2012年金融英语考试阅读辅导:票据的交换

 　　金融英语阅读：票据交换

　　Every bank must make payment for checks（notes） drawn¹ on funds deposited with it. And every bank must collect payment for checks（notes） deposited with it but drawn on other banks. This is why the checks（notes） clearing becomes necessary.

　　每家银行必须对本行为付款人的支票（票据）进行支付，还必须对其他行为付款人的支票（票据）收取款项。这就是为何必须进行票据交换的原因。

　　Checks（notes） Clearing is regarded as an economic operation of clearing funds which are resulted from the checks（notes），deposited with but drawn on each other among the banks in the same city through the clearing house.

　　支票（票据）是同一城市中各银行相互贷收、代付的票据，通过交换所进行交换并清算资金的一种经济活动。

　　The clearing process is as follows： every bank should send the checks（notes） deposited with it but drawn on other banks to the clearing house at a specific time. After offsetting² the amount of checks（notes） receivable and that of checks（notes） payable³， the banks which have favorable balances will increase their deposits in the People’s Bank Of China. On the contrary， the banks which have adverse⁴ balances will decrease their deposits in the People’s Bank of China.

　　票据交换的过程如下：每家银行在一规定的时间把代收代付的（支票）票据送到交换所，将应收票据和应付票据的金额抵消以后，有顺差的银行将在人民银行的账户内增加存款。相反，有逆差的银行将在人民银行的账户内减少存款。

　　Every check（note） sent to the clearing house has a receiving bank and a paying bank. The amount of checks（notes） receivable is， of course， equivalent to that of checks（notes） payable. Therefore， at every time of clearing， the total amounts on both sides of the clearing house’s balance sheet are always equal.

　　送到交换所进行交换的每张支票（票据）都有收款行和付款行。当然，应收支票（票据）金额与应付支票（票据）金额相等。所以，在每次交换时，票据交换所资金平衡表两边的总金额总是相等的。

　　With the development of computer technology， the clearing houses in some countries have introduced computers to deal with（notes）clearing. It not only saves a great deal of labor⁵， time， and expenses， but also shortens the process of clearing funds and speeds up the circulation of money.

　　随着计算机技术的发展，一些国家的票据交换所引进计算机来处理票据交换，这不仅节约了大量的劳动、时间，以及费用，而且缩短了清算资金的时间，加快了货币流通。

1 drawn   

v.拖，拉，拔出；adj.憔悴的，紧张的

参考例句：

• All the characters in the story are drawn from life.故事中的所有人物都取材于生活。
• Her gaze was drawn irresistibly to the scene outside.她的目光禁不住被外面的风景所吸引。

2 offsetting   

n.偏置法v.抵消( offset的现在分词 )；补偿；（为了比较的目的而）把…并列（或并置）；为（管道等）装支管

参考例句：

• Dealers, having concluded a forward contract, should always hedge with an offsetting contract. 外汇经营商在签订了一项远期合同之后总是应进行套头交易签订一项相抵合同。 来自辞典例句
• Where does Germany think offsetting shifts into greater external deficits might occur? 在德国看来，这么大的外部赤字应该转移到哪里？ 来自互联网

3 payable   

adj.可付的，应付的，有利益的

参考例句：

• This check is payable on demand.这是一张见票即付的支票。
• No tax is payable on these earnings.这些收入不须交税。

4 adverse   

adj.不利的；有害的；敌对的，不友好的

参考例句：

• He is adverse to going abroad.他反对出国。
• The improper use of medicine could lead to severe adverse reactions.用药不当会产生严重的不良反应。

5 labor   

n.劳动，努力，工作，劳工；分娩；vi.劳动，努力，苦干；vt.详细分析；麻烦

参考例句：

• We are never late in satisfying him for his labor.我们从不延误付给他劳动报酬。
• He was completely spent after two weeks of hard labor.艰苦劳动两周后，他已经疲惫不堪了。