金融英語情景對(duì)話閱讀

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　　金融英語情景對(duì)話：西方的銀行

　　Jiro Ito is visiting with his friend ,Bob Jenson ,a banker in New York .

　　伊滕次郎正與他的朋友鮑勃·詹森閑談。鮑勃是紐約的一位銀行職員。

　　They are talking about the history of banking in the west .

　　他們正在談?wù)撚嘘P(guān)西方銀行的歷史。

　　Ito:I'm curious about the history of banking in the west ,Bob.Can you tell me something about it ?

　　伊 滕：我很想知道有關(guān)西方銀行史的一些情況。鮑勃，您能給我講一講嗎?

　　Jensen:Well,Jiro,the earliest banks started in Babylon almost 4,000 years ago .

　　詹 森：好的，次郎。最早的銀行大約是4，000年前在巴比倫建立的。

　　They were really temples which collected deposits and made loans .

　　實(shí)際上，那些銀行只是一種收集存款并進(jìn)行放款的場(chǎng)所。

　　I :That surprises me .I had always thought that banking started during the Renaissance in Europe .

　　伊 滕：這可真是出乎我的意料之外，我原來一直以為銀行業(yè)務(wù)始于歐洲文藝復(fù)興時(shí)期呢。

　　J:No ,it was much earlier than that.Actually ,private firms that handled deposits and loans ,

　　詹 森：不，比那個(gè)時(shí)期要早多了。實(shí)際上，早在公元前6世紀(jì)就有了私營(yíng)的商行。

　　changed coins and even arranged for credit transactions existed as early as the 6th century B.C.

　　這些商行從事儲(chǔ)蓄存款和貸款，兌換硬幣以至安排信貸交易。

　　I:Then ,there were banks in ancient Greece and Rome,too?

　　伊 滕：當(dāng)時(shí)，古希臘和羅馬也有銀行嗎?

　　J:Yes ,laws in Both Greece and Rome recognized banks and many bank functions .

　　詹 森：是的，希臘和羅馬都在法律上承認(rèn)了銀行和銀行的許多作用。

　　It wasn't until the breakup of the Roman Empire and the decline in trade and commercial transactions that banking lost its previous importance .

　　直到羅馬帝國(guó)崩潰，商貿(mào)業(yè)務(wù)衰落，銀行業(yè)才失去了它以往的重要性。

　　I:What about the laws against usury during the Middle Ages?Didn't such laws made it illegal to charge interest on loans?

　　伊 滕：中世紀(jì)時(shí)，法律禁止放高利貸是怎么回事?這些法律沒有規(guī)定貸款收取利息是非法的嗎?

　　J:Yes,they did ,but these laws were gradually changed during the 14th and 15th centuries,

　　詹 森：規(guī)定了，但是這些法律在14，15世紀(jì)時(shí)逐步地改變了，

　　and banking functions started appearing again in Italy and Belgium and later in France ,Germany and England .

　　銀行的作用又在意大利和比利時(shí)開始出現(xiàn)，后來又顯現(xiàn)在法國(guó)、德國(guó)和英國(guó)。

　　I:I see .So we can really say that banking restarted during the Renaissance .

　　伊 滕：我明白了。實(shí)際上我們可以說，銀行業(yè)在文藝復(fù)興時(shí)期又重新開始了。

　　金融英語情景對(duì)話：應(yīng)付通貨膨脹

　　Robert Albert ,president of Albert Electronics ,is talking about inflation and general financial conditions with his banker ,Wilson Hall.

　　艾伯特電子公司總裁羅伯特·艾伯特正和他的銀行職員威爾遜·霍爾在談?wù)撏ㄘ浥蛎浐徒鹑跔顩r。

　　Albert:I'm really concerned about the general financial situation ,Mr.Hall.

　　艾伯特：霍爾先生，我對(duì)于目前金融價(jià)總的狀況甚為關(guān)切。

　　We've been living with constantly rising prices for too long .

　　我們長(zhǎng)期在物價(jià)不斷上漲的情況下生活著，

　　You would think that the tight money policies that the government has been following would start having some effect .

　　你大概認(rèn)為政府所實(shí)施的銀根緊縮政策已經(jīng)開始產(chǎn)生一些效果。

　　Hall:I think they're starting to work ,Mr.Albert .Interest rates have gone up substantially recently ,

　　霍 爾：我認(rèn)為這些政策已經(jīng)開始生效，艾伯特先生。近來利率已大幅度提高，

　　and the availability of credit has been sharply curtailed .

　　信貸的使用已大大削減。

　　Unfortunately ,however demand-pull inflation is not our only problem .

　　不幸的是，由需求而促成的通貨膨脹并不是我們唯一的問題。

　　A;Yes ,the new problem seems to be cost-push inflation ,or what the economists sometimes call sellers'inflation .

　　艾伯特：是的，新的問題似乎是成本促成的通貨膨脹，就是經(jīng)濟(jì)學(xué)家們有時(shí)稱之為賣方通貨膨脹。

　　H:Exactly .For example ,the rising costs of commodities and energy supplies over which we have no real control .

　　霍 爾：的確如此，譬如說，商品和能源的成本一直不斷增加，對(duì)此我們沒有得到真正的控制。

　　Fiscal and monetary policies can't do much to help us deal with this kind of inflation .

　　財(cái)政和貨幣政策對(duì)于我們解決這類性質(zhì)的通貨膨脹也是愛莫能助。

　　A:It must be very difficult for you as a banker to try to satisfy your customers during periods like this .

　　艾伯特：處于這樣的時(shí)期，你作為一個(gè)銀行家，要想盡力去滿足你的顧客們的要求肯定是很困難的。

　　H:Indeed it is.Tight money policies make it necessary for us to turn down loan requests from many clients or to increase the downpayment requirements on mortgage and installment loans .

　　霍 爾：確實(shí)如此。銀根緊縮政策使得我們必須拒絕許多客戶的貸款要求，或者增加抵押貨款和分期貸款的定金。

　　A:Well,let's hope we see an improvement soon.People on fixed incomes,particularly retired people,

　　艾伯特：我們指望著不久將看到情況有所好轉(zhuǎn)。眼下，那些靠固定收入的人們，特別是那些退休的人，

　　must be having a terrible time making ends meet.

　　為維持生計(jì)一定會(huì)碰到不少困難。