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银行贷款与贴现(词汇详解)

2006-05-31 13:53

New Words
loan n.
discount v.,n.
credit n.
economy n.
enterprise n.
individual n.
promissory adj.
note n.
commercial a.
bill n.
cashier n.
check n.
instrument n.
finance vt.
interest n.
depositor n.
withdrawal n.
withdraw v.
cover vt.
circulation n.
单词
(借出的)贷款, 借出
贴现,贴现率
信用, [财务]贷方, 银行存款
经济, 经济制度的状况
企业, 事业
个人, 个体
允诺的, 约定的, 有约束力的
票据, 纸币
商业的,以获利为目的的
帐单, 钞票, 票据
出纳员, 司库
支票, 帐单
工具, 手段
为…提供资金
利息
存款人
提款
提款
足以支付,足以补偿
循环, 流通, 发行额
Phrases and Expressions
make loan
accept discount
promissory note
commercial bills of exchange
bank cashier's checks
short-term financing
cash on hand
make withdrawals
a portion of
to meet the needs of
短语与词组
发放贷款
办理贴现
期票,本票
商业汇票
银行本票
短期融资
资金头寸,备用金
提取款项
一部分
满足……需要

  Notes

  1.Banks provide most of the credit our economy needs by making loans to enterprises, individuals and governments.银行通过向企业、个人和政府发放贷款,提供我国国民经济所需的大部分信贷资金。

  (1)(credit) our economy needs我国国民经济所需的(信贷资金)

  此句为定语从句,省略了关系代词which,修饰前面的先行词credit。

  (2)economy n.①the system or range of economic activity in a country, region, or community经济体:国家、地区或群体的经济活动体系和范围

  例:Effects of inflation were felt at every level of the economy.

  通货膨胀影响到每一经济阶层

  ②a specific type of economic system经济制度:特定经济体系类型

  例:an industrial economy; a planned economy.

  工业经济体制;计划经济体制

  (3)by making loans to enterprises, individuals and governments是介词短语,在句中做状语。

  by prep. with the use or help of; through借助于;通过

  (4)making (loans to…)是动名词,做介词by的宾语。

  2.The interest that borrowers pay for their loans or for their notes discounted forms the major source of banks' income.借款人支付贷款或贴现票据的利息形成了银行主要收入的来源。

  (1)(interest) that borrowers pay for their loans or for their notes discounted是定语从句,修饰前面的先行词interest。

  (2)(notes) discounted是过去分词,做后置定语,修饰前面的notes。

  discount vi.to lend money after deduction of interest贴现;减息贷款:在扣除利息后贷款

  (3)form vt.to constitute or compose a usually basic element, part, or characteristic of"构成;形成",在句中做"谓语"。

  3.But it is unlikely that all depositors of a bank would withdraw their money at the same time.但是,银行所有的存款户在同一时间内提取存款,这是不大可能的。

  (1)it is unlikely that…是一种固定句型,意为"……是不可能的",it是形式主语,真正的主语是由that引导的整个句子,即that all depositors of a bank would withdraw their money at the same time。

  (2)that all depositors of a bank would withdraw their money句中的谓语用虚拟语气would withdraw,表示一种与事实相反的情况。

  (3)likely adj.possessing or displaying the qualities or characteristics that make something probable可能的:具有或显示使某事成为可能的特征或品质

  4.The money deposited each day is usually more than enough to cover all withdrawals.每天存入的金额往往足以支付提取的金额。

  (1)(money) deposited是过去分词,修饰前面的money。

  (2)enough adj.足够的, 充足的

  more than enough绰绰有余的

  (2)to cover all withdrawals做状语,修饰前面的enough。

  cover vt.to be sufficient to defray, meet, or offset the cost or charge of足以支付,足以补偿:足够支付、偿付或抵消…的花费和价钱

  例:had enough funds to cover her check.

  有足够的资金支付她的账单

  5.This means that a bank needs to keep on hand only a small portion of its total deposits.这就是说,一家银行只需持有存款总额中的一小部分。

  (1)(mean) that a bank needs to keep on hand only a small portion of its total deposits是由that引导的宾语从句。

  (2)mean vt.to intend to convey or indicate"含意,意味",作某种解释

  (3)on hand:available可用的

  (4)a portion of:a part separated from a whole一份:从整体上分离出来的一部分

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