1.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.
1.開辦銀行是為了穩(wěn)妥地保管人們的錢財，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。

2.Cash is a banker's stock in trade but it earns nothing and costs him a great deal to store, safeguard and transport, so he will keep as little of it as he can.
2.現(xiàn)金是銀行的備用金，沒有任何收益，還要花費很大的代價去貯存，保管和運送，因此，銀行盡可能保留極少的現(xiàn)金。

3.At the end of the month, the bank sends you a statement of your account. The statement provides a summary of the checks that have been paid and the deposits that have been made. The amount that is left in your account after the cheeks have been deducted and the deposits have been credited is the balance.
3.到月底，銀行會把賬戶的對賬單送給你，對賬單提供了支票付款及存款的情況摘要。在扣除了支票款及貸記的存款額之后，賬戶上剩下的金額就是余額。

4.If there is any doubt about the signature, the bank will refuse to cash the check and will return the check to the endorser. A check must be endorsed before it can be cashed - that is, the person or company to whom the check is made out must sign it on the back.
4.如果銀行對簽字的真實性有懷疑，它將會拒絕兌現(xiàn)支票，將支票退給背書人。支票在兌現(xiàn)之前必須先背書，也就是說，支票向其開出的個人或公司必須在支票的背面簽字。

5.A group of ten international banks is to underwrite and sell the bonds.
5.一個由10家國際銀行組成的銀團(tuán)將包銷及出售這些債券。

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