银行英语口语一听就会Chapter 1 银行介绍 Unit 3 银行（3）

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[00:01.56]银行名称
[00:03.25]那是中国人民银行。
[00:07.22]A： What is that bank’s full name?那家银行的全名是什么？
[00:11.56]B： That is the People’s Bank of China.那是中国人民银行。
[00:21.63]What are you looking for?你在找什么？
[00:24.16]I am looking for a draft for 1,000 Yuan at the Bank of China.我在找一张中国银行的1000元汇票。
[00:29.01]What bank do you use?你在哪家银行存款。
[00:31.61]I keep my savings in the Commercial Bank.我在商业银行储蓄。
[00:37.32]了解银行情况
[00:40.00]王经理，您想了解哪些情况？
[00:43.85]A： What can I do for you，manager Wang?王经理，您想了解哪些情况？
[00:48.90]B： I need some information about the average standard cost of living for a cammon citizen. 我想知道有关一般市民的平均标准生活费用的情r。
[01:04.19]What time does your savings bank open every day?你们储蓄银行每天几点钟开业？ 
[01:08.27]It opens at 9:00 in the morning every day except holidays.我们储蓄银行除假日外每天上午9:00开业。
[01:13.78]I have both current account and fixed deposit. 活期和定期存款我都有。
[01:17.29]What standards do we use to check output quality?我们用什么标准来检瞬返闹柿浚
[01:21.59]We use these standards discussed in this document.我们使用该文件己讨论过的标准。
[01:28.07]银行地址
[01:30.13]请问贵银行在什么地方？
[01:33.90]A： Where is your bank located?请问贵银行在什么地方？
[01:37.84]B： In London, the capital of Britain.伦敦，英国的首都。
[01:47.75]Could you give us a brief overview of your bank’s history?您能给我们讲讲贵银行的历史概况吗？
[01:51.95]Yes, of course. We were established as long ago as 1869.当然行啦！我们的银行早在1869年就成立了。 
[01:58.95]Now, it is being operated as one of the major merchant banks in the City.现在它是伦敦几家最重要的商业银行之一了。
[02:06.93]银行历史
[02:09.44]今天我要讲点儿西方银行史。
[02:12.55]A： Today I’ll introduce something about the history of banking in the west.今天我要讲点儿西方银行史。
[02:19.96]B： Well, that’s very interesting. The earliest banks started in Babylon almost 4,000 years ago.这是很有意思的。最早的银行大约是四千年前在巴比伦建立的。
[02:37.69]They were really temples which collected deposits and made loans.实际上，那些银行只是一种收集存款并进行的放款的场所。
[02:43.10]No, it was much earlier than that. Then, there were banks in ancient Greece and Rome, too.不，比那个时期早多了。古希腊和罗马都有许多银行。
[02:50.58]It wasn’t until the breakup of the Roman Empire and the decline in trade and commercial transactions that banking lost its previous importance.直到罗马帝崩溃和商贸业务的衰落，银行业才失去了它以往的重要性。
[03:02.56]银行的作用
[03:04.92]银行的作用又在意大利和比利时开始出现，后来又在法国，德国和英国。
[03:12.58]A： What about the laws against usury during the Middle Ages? Didn't such laws make it illegal to charge interest on loans?中世纪时，法律禁止放高利货是怎么回事？这些法律没有规定货款收取利息是非法的吗？ 
[03:30.01]B： Yes, they did, but these laws were gradually changed during the 14th and 15th centuries and banking functions started appearing again in Italy and Belgium and later in France，Germany and England.是的，规定了，但是这些法律在14、15世纪时逐步地改变了，银行的作用又在意大利和比利时开始出现，后来又在法国，德国和英国。
[04:01.41]You are right. We can easily see the need for the development of the banks during that period. Commercial and financial transactions had once again started to become more complex as Europe emerged from the feudal system of the Middle Ages.对的。显而易见，银行的发展正是出于那个时期的需要。当欧洲从中世纪封建制度的禁锢中 挣脱出来时，商业和金融交易再一次开始变得复杂起来了。
[04:19.29]Could you tell us more in detail?您能说得再具体些吗？
[04:23.04]Yeah. For one thing, many banks started that way, especially in France and England, but they gradually expanded their activities to handling deposits and loans, issuing and trading bills of exchange and even issuing their own notes; for another thing, they started the fractional reserve system which is the central feature of modern banks.是的。一方面很多银行就是这样兴起的，特别是在法国和英国。可是他们逐渐扩展经营活动，发展到从事储蓄、货款、发行和买卖汇票，甚至发行他们自己的货币。另一方面他们始建立起部分储备制度，而这一点正是现代银行的主要特征。
[04:49.76]中央银行
[04:52.31]建立中央银行的想法是什么时候开始的？
[04:56.90]A： When did the idea of central banks get started?建立中央银行的想法是什么时候始的？
[05:03.32]B: Well, the first bank that was partially owned and controlled by a state government was ! established in Venice in 1587.哦，第一个由国家政府部分拥有和控制的银行是1587年在威尼斯建的。
[05:25.57]Then, the bank of England appeared. We could call them semi-public?后来英格兰银行出现。我们称这种银行为半公立银行。
[05:31.13]As a matter of fact, the central banks with specific regulatory functions were created in the middle of 19th century.事实上在19世纪中叶具有明确常规作用的中央银行巳建立起来。
[05:41.89]银行组织体系
[05:44.12]朗先生来自英国的一家投资银行。他将给大家介绍 一下他所在银行的组织体系。
[05:51.81]A： We are happy to have Mr. David Long here with us today.今天我们很高兴地请到了英国某商业银行的大卫?朗先生？
[06:01.34]B： Mr. Long is from a merchant bank in Britain. He will be talking about the organization off his bank.朗先生来自英国的一家投资银行。他将给大家介绍一下他所在银行的组织体系。
[06:20.24]I feel honoured to be talking with you today. I’d like to begin with your questions 我今天地与大家在一起聚谈聚谈。我希望同学们现在就提问。
[06:29.61]银行组成
[06:31.44]请问贵行是如何组成的呢？
[06:34.86]A：How is your bank organized?请问责行是如何组成的呢？
[06:39.41]B：Well, that is really a big question.啊，这可是一个很大的问题呀!
[06:42.34]Let me put it in this way. How many divisions are there in your bank?我就这么问吧。请问贵行有多少部门?
[06:56.73]All together, there are six large divisions. They are Administration Division, Investment Management Division, Banking Division, Corporate Finance Division, Dealing Division and the last one, Leasing Division. Now, let me explain them one by one.总共分六大部门。分别是：行政管理部，投资管理部，银行营业部，公司财务部，证券交易部以及最后一个租赁部。现在，我就逐个来作一些解释说明。
[07:16.99]行政管理部
[07:19.54]首先是行政管理部。
[07:23.55]A: First, Administration Division. It looks after all administrative matters, such as planning, group financial control, accounting and audit, computer services, legal services and so on.首先是行政管理部。该部负资管理事务，诸如计划制订，集团财务控制，会计及审计，计 算机服务，法律顾问等等。
[07:50.24]B: Is that what we call cost centre services?这是不是我们通常所称的“成本中心服务”呢？
[08:01.48]Yes, you are right. That's cost centre services. And then, there's the Banking Division.是的，你说得对！这正是成本项目服务，接下来，就是银行营业员。
[08:10.07]This is easy to understand, right?这不难理解吧！
[08:13.60]You mean, as in China, the Banking Division in your bank deals with loans, overdrafts, documentary credits and correspondent banking?您的意思是，就像中国的银行那样，贵行的该部门专门处理贷款呀，透支呀，书面信贷啦等相应的银行业务。
[08:27.20]证券交易部
[08:29.67]现在我来介绍一下证券交易部
[08:34.26]A： Just the same. Now, let's talk about Dealing Division. The activities of Dealing Division include foreign exchange, currency options, money market transactions, bonds,floating rate notes,Eurodollar CD...正是如此。现在我来介绍一下证券交易部。该部门主要的工作就是进行外汇兑换，外汇期限交易，金融市场交易，债券，浮动汇率单以及欧元CD等……
[09:14.32]CD stands for Certificate of Deposit, while Eurodollar means U.S. dollar in a European bank. CD是英文中“存款单”的简称，而欧元指的是欧洲银行的美元。
[09:24.96]公司财务部
[09:27.49]接下来请讲贵行的公司财务部。
[09:31.77]A： Oh, I see. Next, how about your Corporate Finance Division?噢，我明白了。接下来请讲贵行的公司财务部。
[09:40.94]B： They provide advice to most U.K. and international companies.它的任务是为英国及许多国际公司提供金融咨询。
[09:55.96]In the past several years, our Corporate Finance Division has expanded quite rapidly.在过去的几年里，这个部门的业务发展非常快。	
[10:03.24]They cover mergers, capital raising,takeovers,acquisitions and divestments, and of course stock market.诸如公司合并，资本增长企业兼并，公司收购和摆脱某权益，当然还包括股票交易等。
[10:11.55]Er, I follow you now. 恩，我现在明白了。
[10:17.45]投资管理部
[10:19.80]接下来请讲贵行的投资管理部。
[10:24.01]A： Next, how about your investment Management Division?接下来请讲贵行的投资管理部。
[10:31.11]B： There is also an Investment Management Division in our bank. It offers services to companies, like investment trusts, unit trusts,pension funds and offshore funds.Now, let’s come to the last division,Leasing Division.接下来要介绍的这个部是投资管理部，主要是向公司提供以下这些服务项目：投资信托，单位信托，退休抚恤金及境外资金管理。现在，我们就说 说我们银行的最后一个部门，就是租赁部。
[11:11.75]Obviously, it organizes leasing packages for lessors and lessees. 顾名思义，它的工作就是为出租人和承租人牵线搭桥。
[11:17.82]So, that's how you organize your merchant bank in London.就这样，您就把一个伦敦主要的商业银行运转组织起来了。

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银行英语口语一听就会Chapter 1 银行介绍 Unit 3 银行（3）