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Www Morgagemortgagebanker Program Lt 1 Mortgage Mortgage Banker 金融英语 chapter1添加文本_在线英语听力室

Www Morgagemortgagebanker Program Lt 1 Mortgage Mortgage Banker

often difficult for the layman to understand
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　　[12:22.71]and that occasionally even baffles bankers.
　　[12:24.71]即使银行家也时常感到困惑.
　　[12:26.71]As contrasted with the banking system as a whole,however,
　　[12:29.81]当然,与银行整体系统相比,
　　[12:32.90]an individual bank cannot expect that the deposits it creates will remain with it.
　　[12:35.91]单个银行不可能将它创造的存款保留在自己的银行内.
　　[12:38.91]The money it can lend and invest,at any moment,
　　[12:40.80]在任何时候,它只能将以下款项用于贷款和投资;
　　[12:42.70]is its excess of cash
　　[12:43.99]即:在所拥有的现金,
　　[12:45.28]and bank balances over required reserves and minimum cash requirements.
　　[12:48.34]存款余额中超出法定储备和最低现金持有量的部分
　　[12:51.40]The individual bank must stand ready
　　[12:52.94]作为单个的银行它必须
　　[12:54.48]to pay out the deposits it creates when it makes new loans
　　[12:56.72]随时付出通过贷款创造的存款,
　　[12:58.97]Notes:
　　[13:00.46]The individual bank must stand ready to pay out the deposits it creates when it makes new loans
　　[13:08.17]Notes:stand
　　[13:14.25]How do things stand at the moment?
　　[13:15.76]目前事情的状况如何?
　　[13:17.26]and to pay for securities it buys upon delivery.
　　[13:20.46]当证卷的投资交割时也必须支付.
　　[13:23.66]In practice,out of the vast aggregate of financial transactions the individual bank gains
　　[13:27.41]实际操作中,每家银行可从日常大量的金融交易中获得,
　　[13:31.15]and loses funds in the course of each day's business
　　[13:33.70]也可能推动资金.
　　[13:36.25]From its net gains the bank can increase its loans and investments.
　　[13:38.89]资金若是净增加;可以用于贷款和投资.
　　[13:41.52]If the bank has net losses it must collect loans or sell investments.
　　[13:44.07]资金若是净减少,它就必须收回贷款或者售出投资.
　　[13:46.62]As one of the theoretical aggregate of all banks
　　[13:48.62]作为银行总量的一部分,
　　[13:50.62]it competes for its share of the deposits
　　[13:52.51]每家银行须通过竞争获得自己的份额
　　[13:54.40]that the banking system as a whole may create
　　[13:56.15]从整个银行体系由此创造的存款总量中
　　[13:57.90]when additional reserves are supplied by the Central Bank.
　　[13:59.90]当中中央银行向银行体系增加储备资金时,
　　[14:01.90]A bank does not create credit in a vacuum;
　　[14:04.06]银行不是在真空中创造信用,
　　[14:06.21]it creates credit in order to supply the funds that are needed by the community it serves
　　[14:09.31]而是为了满足社区资金的需要
　　[14:12.40]and the nation of which it is a part.
　　[14:13.80]它服务的社区以及它所在国家.
　　[14:15.20]Bank loans and investments may finance production,
　　[14:17.04]银行贷款和投资可以为生产、
　　[14:18.88]distribution,investment,consumption,and the needs of government.
　　[14:22.08]销售、投资、消费和政府需要提供资金.
　　[14:25.28]Credit enables goods to move through the channels of trade,
　　[14:27.28]信用能使货畅其流,
　　[14:29.28]People to acquire homes,factories to be built,workers to buy automobiles,
　　[14:32.37]人们获得住房,建设工厂,工人购买汽车,
　　[14:35.47]the nation to finance its defense,
　　[14:36.96]国家为防御提供资金,
　　[14:38.45]and many other useful or profitable purposes.
　　[14:40.54]以及满足许许多多其他有用或者有利的目的.
　　[14:42.63]Without credit business as we know it would be almost impossible,
　　[14:45.03]没有信用,我们所谈到的企业几乎无法生存,
　　[14:47.43]and our standard of living would never have been attained.
　　[14:49.29]我们目前享有的生活水平根本无法达到.
　　[14:51.14]Bank credit supplies money where and when it is needed,
　　[14:53.34]银行信贷在需要的时间和地方提供货币,
　　[14:55.53]and the repayment of bank credit removes money from circulation
　　[14:57.78]通过银行贷款的偿还从流通中收回货币,
　　[15:00.02]when the specific need for it has passed
　　[15:01.68]而当某一需要不存在时.
　　[15:03.34]When the economists speak of a balanced economy
　　[15:05.68]当经济学家谈及经济"平衡"时,
　　[15:08.02]he envisions an overall balance between production and consumption.
　　[15:10.65]他是指生产和消费之间全面均衡.
　　[15:13.29]With respect to both the businessman and the individual,however
　　[15:15.29]但是对于企业家和个人而言,
　　[15:17.29]such a balance usually involves a time lag.
　　[15:19.48]这种均衡总存在时滞.
　　[15:21.68]The farmer invests seed,fertilizer,
　　[15:23.48]农民种庄稼必须投入种子化肥
　　[15:25.28]and six months' effort into a crop
　　[15:26.68]和六个月的辛勤劳作
　　[15:28.08]before he can harvest and sell it.
　　[15:29.67]然后才能收获和销售.
　　[15:31.27]The manufacturer must assemble,pay for,and put to use plant,materials,and labor
　　[15:34.41]制造商必因使用工厂、材料、人力而付费,
　　[15:37.56]before he can produce a salable product.
　　[15:39.31]只有这样才能生产出销售的产品.
　　[15:41.06]The individual who wants to buy a car
　　[15:42.46]个人想购买汽车
　　[15:43.86]or must meet unexpected medical expenses may not have the money on hand
　　[15:46.95]或者发生意外医疗费开支时可能手中没有钱,
　　[15:50.05]but is able to make his purchase or pay his bills out of future income.
　　[15:52.89]但他可以利用未来的收入购买、支付帐单.
　　[15:55.74]In supplying credit to farmers,manufacturers,and individuals,
　　[15:58.03]通过向农民、制造商和个人提供信用,
　　[16:00.31]the commercial bank bridges the time lag between production and consumption
　　[16:03.00]商业银行弥补了生产和消费间的时滞,
　　[16:05.69]and thus helps to bring the financial affairs of the economy into balance
　　[16:08.20]因而使整个经济的资金达到平衡.
　　[16:10.71]Notes:
　　[16:12.30]and thus helps to bring the financial affairs of the economy into balance
　　[16:17.01]bring into balance
　　[16:22.81]This is another way of saying
　　[16:24.01]可以换一种说法表述
　　[16:25.21]that commercial banks supply liquidity to the economy.
　　[16:27.56]商业银行为经济提供的流动性.
　　[16:29.91]Through their ability to lend and invest,
　　[16:31.56]通过它们的贷款和投资能力,
　　[16:33.20]they can provide money immediately
　　[16:34.60]商业银行可以立即提供货币
　　[16:36.00]in consideration of assets  or efforts that have a future money value.
　　[16:38.70]考虑到一定资产或有一定未来货币价值的成果,
　　[16:41.40]Commercial banks use many different means
　　[16:42.85]商业银行利用很多不同的方法
　　[16:44.30]and organizational forms to supply this liquidity.
　　[16:46.25]和组织形式提供流动性；
　　[16:48.20]Seasonal self-liquidating business loans,
　　[16:50.00]季节性、自偿性商业贷款、
　　[16:51.80]consumer home-mortgage loans,tax anticipation notes,
　　[16:54.86]消费者房产抵押贷款、预税金票据、
　　[16:57.91]business term loans,bank credit cards,and many other forms are used.
　　[17:01.01]企业长期贷款、银行信用卡,以及其他许多形式.
　　[17:04.10]In larger banks,
　　[17:04.95]在大银行里,
　　[17:05.80]departments are generally established to specialize in certain forms of lending.
　　[17:08.30]通常设立不同的专业部门处理各种具体贷款.
　　[17:10.79]The foreign departments of some large banks,for example,
　　[17:12.69]例如一些大银行的国际部
　　[17:14.58]are almost separate institutions in themselves.
　　[17:16.53]本身几乎是一个分立的机构.
　　[17:18.47]In smaller banks,one or a small number of bank officers
　　[17:20.63]在一些小银行中,一个或几个银行职员
　　[17:22.78]is generally responsible for bank loans and investments;
　　[17:25.17]负责贷款和投资业务,
　　[17:27.56]however,farm lending or consumer credit is frequently departmentalized.
　　[17:30.91]但是,农业贷款和消费信用通常由专业部来办理.
　　[17:34.25]The important aspect is not the particular means or organizational form,
　　[17:37.05]重要的不是具体的方法和组织形式,
　　[17:39.84]but the bank's active effort
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