金融英語(yǔ)口語(yǔ)聽(tīng)力教程第2課：西方的銀行(二)

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Banking in the West (2)

西方的銀行(二)

Situation 2

情景 2

Mr.Ito and Mr.Jenson continue their discussion about the history of banking in the west .

伊滕先生和詹森先生繼續(xù)他們有關(guān)西方銀行史的討論。

Jensen:That's a good way of putting it ,Jiro.Banking firms that developed during the 15th and 16th centuries are the direct ancestors of modern commercial banks .

詹 森：那是一個(gè)合適的提法，次郎。那些在15，16世紀(jì)發(fā)展起來(lái)的從事銀行業(yè)務(wù)的商行就是現(xiàn)代商業(yè)銀行的直系祖先。

Ito:I can easily see the need for the development of the banks during that period .

伊 滕：顯而易見(jiàn)，銀行的發(fā)展正是出于那個(gè)時(shí)期的需要。

Commercial and finacial transactions had once again started to become more complex as Europe emerged from the feudal system of the Middle Ages.

當(dāng)歐洲從中世紀(jì)封建制度的禁錮中掙脫出來(lái)時(shí)，商業(yè)和金融交易再一次開(kāi)始變得復(fù)雜起來(lái)了。

Weren't many of these early banks goldsmiths in the beginning ?

很多早期的銀行在其一開(kāi)始不就是由一些金匠們興辦起來(lái)的嗎?

J:Yes,many of them started that way ,especially in France and England ,

詹 森：是的，很多銀行就是這個(gè)興起的，特別是在法國(guó)和英國(guó)。

but they gradually expanded their activities to handing deposits and loans ,

可是他們逐漸地?cái)U(kuò)展他們的經(jīng)營(yíng)活動(dòng)，

issuing and trading bills of exchange and even issuing their own notes .And ,of course ,

發(fā)展到從事儲(chǔ)蓄、貸款、發(fā)行和買(mǎi)賣(mài)匯票，甚至發(fā)行他們自己的貨幣。

they started the fractional reserve system which is the central feature of modern banks.

理所當(dāng)然地他們又開(kāi)始建立起部分儲(chǔ)備制度，而這一點(diǎn)正是現(xiàn)代銀行的主要特征。

I;When did the idea of central banks get started?

伊 滕：建立中央銀行的想法是什么時(shí)候開(kāi)始的?

J;Well,the first bank that was partially owned and controlled by a state government was established in Venice in 1587.

詹 森：哦，第一個(gè)由國(guó)家政府部分擁有和控制的銀行是1587年在威尼斯建立起來(lái)的，

Other semi-public banks appeared during the next one hundred years,including the Bank of England in 1694,

后秋的一百年之中又發(fā)現(xiàn)了一些其他的半公立銀行，包括1694年成立的英格蘭銀行。

but these were really not central banks in the modern sense of the term .

但是，這些銀行還并不是現(xiàn)代意義上的中央銀行，

It wasn't until the middle of the 19th century that central banks with specific regulatory functions were created .

直到19世紀(jì)中葉具有明確常規(guī)作用的中央銀行才建立起來(lái)。