Banks were developed to keep people's money safe and to make it available when they needed it. Since money was invented, people have been borrowing and lending it.
開辦銀行是為了穩(wěn)妥地保管人們的錢財(cái)，使他們在需要時能隨時提取。自從貨幣出現(xiàn)以來，人們一直在進(jìn)行貨幣的借貸活動?！?A modern bank accepts people's money for safe-keeping. It also lends money and offers many other services. The experience of a businessman will show some of these. James Jones has a furniture store and buys his goods from different parts of the country. It isn't convenient for him to send money through the mail, so he goes to the bank and opens a checking account. He puts his money in the bank regularly, and the bank keeps it until he writes checks for that amount. When Mr. Jones orders furniture from the Modern Furniture Company in another city, he simply writes a check. This check is as good as money to the owner of the company. The owner can take it to his bank and cash it, that is, he can get money for it.
現(xiàn)代銀行從客戶手中吸收貨幣并加以妥善保管，也貸放貨幣，并提供許多其它服務(wù)。我們從一個商人的經(jīng)歷可以看到銀行是如何辦理某些業(yè)務(wù)的。詹姆斯·瓊斯開了一個家具店，需要從全國各地購買家具。通過郵局匯款使他感到不方便，因此，他到銀行開了一個支票賬戶。通常他把錢存放在銀行，銀行保管著這筆錢，直到他開支票提完這筆錢為止。當(dāng)詹姆斯·瓊斯從另外一個城市的摩登家具公司定購家具時，他只要開出一張支票。這張支票對公司的老板來說就跟真正的貨幣一樣，該老板可以拿著支票到銀行去兌現(xiàn)，也就是說，他可以憑支票取錢。
Now and then Mr. Jones deposits money in a savings account at the bank. The bank then uses this money and pays him a certain percentage on each dollar every year. For example, if he deposits $ 1000 and the bank pays him 4 percent, he will have earned $ 40 by the end of the year. This payment is called interest.
瓊斯先生時常把錢存放在銀行的儲蓄賬戶上，銀行就使用這筆錢，每年按每一美元的一定百分率付給他利息。比如說，如果他存1000美元，銀行付給他4%的利息，他會在年底得到40美元。這筆錢就是利息。
Mr. Jones can usually borrow from the bank if he needs money. He can arrange for a bank loan at the loan department. If the bank lends him money, he must pay interest for its use. Sometimes, instead of putting his money in a savings account, Mr. Jones wants to invest it in some business firm, and he may ask the investment department of his bank for advice.
瓊斯先生如果需要錢用，通?？梢韵蜚y行借。他可以在銀行貸款部籌到一筆銀行貸款。如果銀行貸款給他，他就必須為使用這筆貸款而支付利息。有時，瓊斯先生不把錢存放在儲蓄賬戶上，而是想把錢投到實(shí)業(yè)中去，他可以向銀行的投資部門咨詢。
Mr. Jones gets still other services from the bank. When he travels, he buys traveler's checks from the bank instead of carrying money with him. And he can rent a safe-deposit box in the bank for his valuable papers and articles.
瓊斯先生還可以得到銀行的其他服務(wù)。當(dāng)他外出旅行時，不是把錢帶在身上，而是從銀行購買旅行支票。他還可以租借銀行的保管箱，存放有價(jià)證券和貴重物品
It's hard to imagine that people could do business without the services of a bank.
很難想象出人們在沒有銀行服務(wù)的情況下做生意的情形。
開辦銀行是為了穩(wěn)妥地保管人們的錢財(cái)，使他們在需要時能隨時提取。自從貨幣出現(xiàn)以來，人們一直在進(jìn)行貨幣的借貸活動?！?A modern bank accepts people's money for safe-keeping. It also lends money and offers many other services. The experience of a businessman will show some of these. James Jones has a furniture store and buys his goods from different parts of the country. It isn't convenient for him to send money through the mail, so he goes to the bank and opens a checking account. He puts his money in the bank regularly, and the bank keeps it until he writes checks for that amount. When Mr. Jones orders furniture from the Modern Furniture Company in another city, he simply writes a check. This check is as good as money to the owner of the company. The owner can take it to his bank and cash it, that is, he can get money for it.
現(xiàn)代銀行從客戶手中吸收貨幣并加以妥善保管，也貸放貨幣，并提供許多其它服務(wù)。我們從一個商人的經(jīng)歷可以看到銀行是如何辦理某些業(yè)務(wù)的。詹姆斯·瓊斯開了一個家具店，需要從全國各地購買家具。通過郵局匯款使他感到不方便，因此，他到銀行開了一個支票賬戶。通常他把錢存放在銀行，銀行保管著這筆錢，直到他開支票提完這筆錢為止。當(dāng)詹姆斯·瓊斯從另外一個城市的摩登家具公司定購家具時，他只要開出一張支票。這張支票對公司的老板來說就跟真正的貨幣一樣，該老板可以拿著支票到銀行去兌現(xiàn)，也就是說，他可以憑支票取錢。
Now and then Mr. Jones deposits money in a savings account at the bank. The bank then uses this money and pays him a certain percentage on each dollar every year. For example, if he deposits $ 1000 and the bank pays him 4 percent, he will have earned $ 40 by the end of the year. This payment is called interest.
瓊斯先生時常把錢存放在銀行的儲蓄賬戶上，銀行就使用這筆錢，每年按每一美元的一定百分率付給他利息。比如說，如果他存1000美元，銀行付給他4%的利息，他會在年底得到40美元。這筆錢就是利息。
Mr. Jones can usually borrow from the bank if he needs money. He can arrange for a bank loan at the loan department. If the bank lends him money, he must pay interest for its use. Sometimes, instead of putting his money in a savings account, Mr. Jones wants to invest it in some business firm, and he may ask the investment department of his bank for advice.
瓊斯先生如果需要錢用，通?？梢韵蜚y行借。他可以在銀行貸款部籌到一筆銀行貸款。如果銀行貸款給他，他就必須為使用這筆貸款而支付利息。有時，瓊斯先生不把錢存放在儲蓄賬戶上，而是想把錢投到實(shí)業(yè)中去，他可以向銀行的投資部門咨詢。
Mr. Jones gets still other services from the bank. When he travels, he buys traveler's checks from the bank instead of carrying money with him. And he can rent a safe-deposit box in the bank for his valuable papers and articles.
瓊斯先生還可以得到銀行的其他服務(wù)。當(dāng)他外出旅行時，不是把錢帶在身上，而是從銀行購買旅行支票。他還可以租借銀行的保管箱，存放有價(jià)證券和貴重物品
It's hard to imagine that people could do business without the services of a bank.
很難想象出人們在沒有銀行服務(wù)的情況下做生意的情形。