Notes
1.The banks are commercial enterprises and like many other businesses are organized as companies which are owned by shareholders.銀行是商業(yè)企業(yè)，它的組織結(jié)構(gòu)和其它企業(yè)一樣，是由股東共同擁有的公司型組織。
(1)The banks are commercial enterprises銀行是商業(yè)企業(yè)。
commercial a.having profit as a chief aim以獲利為目的的
(2)(and) the banks like many other businesses (are organized as…)和其它企業(yè)類(lèi)似的銀行……
…like many other businesses是介詞短語(yǔ)，做后置定語(yǔ)，修飾前面的the banks。
like prep.possessing the characteristics of; resembling closely; similar to相似，類(lèi)似：具有…的特點(diǎn)；相象；相似
(3)…are organized as companies（銀行的）組織結(jié)構(gòu)和公司的（組織結(jié)構(gòu)）相同
as companies是介詞短語(yǔ)，做狀語(yǔ)，修飾謂語(yǔ)動(dòng)詞are organized。
as prep.in a manner similar to; the same as以相似的方式；如同
2.These accounts are of two main kinds: current accounts on which customers can draw cheques but receive no interest, and deposit and savings accounts on which the banks pay interest for the use of the money.這些賬戶主要有兩種：一種是活期存款，客戶可以對(duì)其開(kāi)出支票，但沒(méi)有利息，另一種是儲(chǔ)蓄存款賬戶，銀行使用賬上的資金要支付利息。
(1)(current accounts) on which customers can draw cheques but receive no interest為定語(yǔ)從句，修飾前面的current account。
draw cheques on (current account)對(duì)活期賬戶開(kāi)支票（取款）
draw vt.to use (a check, for example) when paying開(kāi)支票
account n.a formal banking, brokerage, or business relationship established to provide for regular services, dealings, and other financial transactions賬戶：為提供定期的服務(wù)，交易，和其他金融活動(dòng)而建立的正式銀行業(yè)務(wù)，經(jīng)紀(jì)業(yè)或商業(yè)關(guān)系
(2)(deposit and savings accounts) on which the banks pay interest for the use of the money為定語(yǔ)從句，修飾前面的deposit and savings account。
pay interest on (deposit and savings account) for the use of the money使用（儲(chǔ)蓄存款賬戶上的）資金要支付利息
3.But while notes and coins are a practical way of carrying out some small transactions, cash payments are a cumbersome, costly and, unfortunately, sometimes a dangerous method of settling most payments, especially if the money has to be sent any distance.然而，雖然在進(jìn)行小筆交易時(shí)一般都用現(xiàn)鈔、硬幣支付，但是對(duì)大多數(shù)結(jié)算來(lái)說(shuō)，用現(xiàn)金支付既不方便、費(fèi)用又高，有時(shí)甚至還有風(fēng)險(xiǎn)，這風(fēng)險(xiǎn)尤其存在于異地寄送現(xiàn)金。
(1)a practical way一種（進(jìn)行小筆交易）的實(shí)用方法
manifested in or involving practice可實(shí)現(xiàn)的，實(shí)用的
(2)(of) carrying out some small transactions為動(dòng)名詞短語(yǔ)，做介詞of的賓語(yǔ)。
(3)a cumbersome, costly and, unfortunately, sometimes a dangerous (method)一種棘手的、費(fèi)用高的，不幸的是，有時(shí)是危險(xiǎn)的（方法）
cumbersome, costly, dangerous都是形容詞，修飾method。
cumbersome a.troublesome or onerous棘手的，麻煩的
costly a.entailing loss損失慘重的
unfortunately adv.“不幸的是”，在句中作狀語(yǔ)。
(4)(of) settling most payments是動(dòng)名詞短語(yǔ)，做介詞of的賓語(yǔ)。
settle v.to pay (a debt)還（債），支付（債務(wù)）
(5)(at) any distance“相距，相隔”，引伸為“異地”。
4.It is more convenient, safer and more efficient to settle payments either by cheques drawn on a bank account, or through the banks’ credit transfer.結(jié)算支付既可以用開(kāi)立支票從其銀行戶頭付賬的方式，也可以通過(guò)銀行貸方劃撥，這樣做更方便、更安全，而且效率更高。
(1)It is more convenient, safer and more efficient to settle payments句中的It為形式主語(yǔ)，真正的主語(yǔ)是動(dòng)詞不定式短語(yǔ)to settle payments…。
(2)by cheques, through the banks’ credit transfer兩個(gè)介詞短語(yǔ)做狀語(yǔ)，修飾動(dòng)詞settle。
(3)(cheques) drawn on a bank account過(guò)去分詞短語(yǔ)，做后置定語(yǔ)，修飾前面的cheques。
draw (cheques) on…對(duì)……開(kāi)支票
1.The banks are commercial enterprises and like many other businesses are organized as companies which are owned by shareholders.銀行是商業(yè)企業(yè)，它的組織結(jié)構(gòu)和其它企業(yè)一樣，是由股東共同擁有的公司型組織。
(1)The banks are commercial enterprises銀行是商業(yè)企業(yè)。
commercial a.having profit as a chief aim以獲利為目的的
(2)(and) the banks like many other businesses (are organized as…)和其它企業(yè)類(lèi)似的銀行……
…like many other businesses是介詞短語(yǔ)，做后置定語(yǔ)，修飾前面的the banks。
like prep.possessing the characteristics of; resembling closely; similar to相似，類(lèi)似：具有…的特點(diǎn)；相象；相似
(3)…are organized as companies（銀行的）組織結(jié)構(gòu)和公司的（組織結(jié)構(gòu)）相同
as companies是介詞短語(yǔ)，做狀語(yǔ)，修飾謂語(yǔ)動(dòng)詞are organized。
as prep.in a manner similar to; the same as以相似的方式；如同
2.These accounts are of two main kinds: current accounts on which customers can draw cheques but receive no interest, and deposit and savings accounts on which the banks pay interest for the use of the money.這些賬戶主要有兩種：一種是活期存款，客戶可以對(duì)其開(kāi)出支票，但沒(méi)有利息，另一種是儲(chǔ)蓄存款賬戶，銀行使用賬上的資金要支付利息。
(1)(current accounts) on which customers can draw cheques but receive no interest為定語(yǔ)從句，修飾前面的current account。
draw cheques on (current account)對(duì)活期賬戶開(kāi)支票（取款）
draw vt.to use (a check, for example) when paying開(kāi)支票
account n.a formal banking, brokerage, or business relationship established to provide for regular services, dealings, and other financial transactions賬戶：為提供定期的服務(wù)，交易，和其他金融活動(dòng)而建立的正式銀行業(yè)務(wù)，經(jīng)紀(jì)業(yè)或商業(yè)關(guān)系
(2)(deposit and savings accounts) on which the banks pay interest for the use of the money為定語(yǔ)從句，修飾前面的deposit and savings account。
pay interest on (deposit and savings account) for the use of the money使用（儲(chǔ)蓄存款賬戶上的）資金要支付利息
3.But while notes and coins are a practical way of carrying out some small transactions, cash payments are a cumbersome, costly and, unfortunately, sometimes a dangerous method of settling most payments, especially if the money has to be sent any distance.然而，雖然在進(jìn)行小筆交易時(shí)一般都用現(xiàn)鈔、硬幣支付，但是對(duì)大多數(shù)結(jié)算來(lái)說(shuō)，用現(xiàn)金支付既不方便、費(fèi)用又高，有時(shí)甚至還有風(fēng)險(xiǎn)，這風(fēng)險(xiǎn)尤其存在于異地寄送現(xiàn)金。
(1)a practical way一種（進(jìn)行小筆交易）的實(shí)用方法
manifested in or involving practice可實(shí)現(xiàn)的，實(shí)用的
(2)(of) carrying out some small transactions為動(dòng)名詞短語(yǔ)，做介詞of的賓語(yǔ)。
(3)a cumbersome, costly and, unfortunately, sometimes a dangerous (method)一種棘手的、費(fèi)用高的，不幸的是，有時(shí)是危險(xiǎn)的（方法）
cumbersome, costly, dangerous都是形容詞，修飾method。
cumbersome a.troublesome or onerous棘手的，麻煩的
costly a.entailing loss損失慘重的
unfortunately adv.“不幸的是”，在句中作狀語(yǔ)。
(4)(of) settling most payments是動(dòng)名詞短語(yǔ)，做介詞of的賓語(yǔ)。
settle v.to pay (a debt)還（債），支付（債務(wù)）
(5)(at) any distance“相距，相隔”，引伸為“異地”。
4.It is more convenient, safer and more efficient to settle payments either by cheques drawn on a bank account, or through the banks’ credit transfer.結(jié)算支付既可以用開(kāi)立支票從其銀行戶頭付賬的方式，也可以通過(guò)銀行貸方劃撥，這樣做更方便、更安全，而且效率更高。
(1)It is more convenient, safer and more efficient to settle payments句中的It為形式主語(yǔ)，真正的主語(yǔ)是動(dòng)詞不定式短語(yǔ)to settle payments…。
(2)by cheques, through the banks’ credit transfer兩個(gè)介詞短語(yǔ)做狀語(yǔ)，修飾動(dòng)詞settle。
(3)(cheques) drawn on a bank account過(guò)去分詞短語(yǔ)，做后置定語(yǔ)，修飾前面的cheques。
draw (cheques) on…對(duì)……開(kāi)支票