★英語口語頻道為網(wǎng)友整理的《金融英語口語練習(xí)：票據(jù)交換所》，供大家參考學(xué)習(xí)。
Clearing House Associations
票據(jù)交換所
Situation 29
情景 29
Bill Hobson is asking his banker about the local Clearing HouseAssociation in their city.
比爾·霍布森正向他的銀行從業(yè)者打聽有關(guān)他們城里的地方票據(jù)交換所的情況。
Hobson:What is meant by the term Clearing House Association ?
霍布森：票據(jù)交換是什么意思？
Banker:It’s a voluntary association of the banks in the city which settles interbank debts .
職員：它是城市中各銀行自愿結(jié)合的組織，用來清理銀行之間互相欠款的問題。
During a business day we accept checks drawn on other banks and other banks accept checksdrawn on us.
在營業(yè)期間，我們接受從其他銀行開來的支票，而其他的銀行也接受我的開出的支票，
We balance these interbank obligations through the clearing house .
我們通過票據(jù)交換所來平衡這些銀行之間的債務(wù)。
H:What about the actual checks that you get which are drawn on other banks?
霍布森：你們接受從其他銀行開出的支票的實(shí)際意義是什么呢？
B;Of course ,we must give these checks to drawee bank to collect the funds they owe us .
職員：當(dāng)然，我們必須把這些支票交給票據(jù)付款行，并且收回他們欠我們的資金。
And they give us checks drawn ourselves to collect the funds we owe them .
同樣，他們把我們開出的支票交還給我們，也收回我們欠他們的資金。
H:So the clearing house handles all this ?
職員：因此，票據(jù)交換所就是辦理這些事情的。
B:Yes,they separate all the checks according to drawee bank ,add the total each bank owes anddeduct that from the balance maintained at the clearing house .And ,of course,they add to thebalance the amount each bank is owed.
職員：是的，他們按照票據(jù)付款行區(qū)分開所有的支票，把每個(gè)銀行對(duì)其他行的欠款額加總，再從各銀行保留在標(biāo)據(jù)交換所的余額中減去其欠款總額。當(dāng)然，還要把其他銀行對(duì)這個(gè)銀行的欠款加到余額中去。
Then they deliver the actual checks to each drawee bank .
然后，票據(jù)交換所把這些實(shí)際的支票交給每個(gè)標(biāo)據(jù)付款行。
H:What about checks drawn on banks outside the city ?
霍布森：那么，從外地銀行開出的支票又如何處理呢？
B:The clearing house sends those checks to the Federal Reserve Bank’s collection and clearingservice .
職員：票據(jù)交換所把這些支票寄給聯(lián)邦儲(chǔ)蓄銀行的托收和票據(jù)交換業(yè)務(wù)部門，
That operates just like a local clearing house ,but deals with out-of-town or out-of-state banks .
這個(gè)部門的業(yè)務(wù)與地方票據(jù)交換所的業(yè)務(wù)性質(zhì)是一樣的，但是它是與處地或外州的銀行進(jìn)行業(yè)務(wù)往來。
So between the local and Federal Reserve clearing houses,checks drawn on any bank in thecountry can be easily processed .
因此，在地方和聯(lián)邦票據(jù)交換所之間，國內(nèi)任何銀行開出的支票都能很容易地得到處理。
Clearing House Associations
票據(jù)交換所
Situation 29
情景 29
Bill Hobson is asking his banker about the local Clearing HouseAssociation in their city.
比爾·霍布森正向他的銀行從業(yè)者打聽有關(guān)他們城里的地方票據(jù)交換所的情況。
Hobson:What is meant by the term Clearing House Association ?
霍布森：票據(jù)交換是什么意思？
Banker:It’s a voluntary association of the banks in the city which settles interbank debts .
職員：它是城市中各銀行自愿結(jié)合的組織，用來清理銀行之間互相欠款的問題。
During a business day we accept checks drawn on other banks and other banks accept checksdrawn on us.
在營業(yè)期間，我們接受從其他銀行開來的支票，而其他的銀行也接受我的開出的支票，
We balance these interbank obligations through the clearing house .
我們通過票據(jù)交換所來平衡這些銀行之間的債務(wù)。
H:What about the actual checks that you get which are drawn on other banks?
霍布森：你們接受從其他銀行開出的支票的實(shí)際意義是什么呢？
B;Of course ,we must give these checks to drawee bank to collect the funds they owe us .
職員：當(dāng)然，我們必須把這些支票交給票據(jù)付款行，并且收回他們欠我們的資金。
And they give us checks drawn ourselves to collect the funds we owe them .
同樣，他們把我們開出的支票交還給我們，也收回我們欠他們的資金。
H:So the clearing house handles all this ?
職員：因此，票據(jù)交換所就是辦理這些事情的。
B:Yes,they separate all the checks according to drawee bank ,add the total each bank owes anddeduct that from the balance maintained at the clearing house .And ,of course,they add to thebalance the amount each bank is owed.
職員：是的，他們按照票據(jù)付款行區(qū)分開所有的支票，把每個(gè)銀行對(duì)其他行的欠款額加總，再從各銀行保留在標(biāo)據(jù)交換所的余額中減去其欠款總額。當(dāng)然，還要把其他銀行對(duì)這個(gè)銀行的欠款加到余額中去。
Then they deliver the actual checks to each drawee bank .
然后，票據(jù)交換所把這些實(shí)際的支票交給每個(gè)標(biāo)據(jù)付款行。
H:What about checks drawn on banks outside the city ?
霍布森：那么，從外地銀行開出的支票又如何處理呢？
B:The clearing house sends those checks to the Federal Reserve Bank’s collection and clearingservice .
職員：票據(jù)交換所把這些支票寄給聯(lián)邦儲(chǔ)蓄銀行的托收和票據(jù)交換業(yè)務(wù)部門，
That operates just like a local clearing house ,but deals with out-of-town or out-of-state banks .
這個(gè)部門的業(yè)務(wù)與地方票據(jù)交換所的業(yè)務(wù)性質(zhì)是一樣的，但是它是與處地或外州的銀行進(jìn)行業(yè)務(wù)往來。
So between the local and Federal Reserve clearing houses,checks drawn on any bank in thecountry can be easily processed .
因此，在地方和聯(lián)邦票據(jù)交換所之間，國內(nèi)任何銀行開出的支票都能很容易地得到處理。