Dialog 1:
F: we talked about the advantages and disadvantages of a commercial bank.
M: the biggest advantage seems to be in the relationship angle.
F: right, building a strong relationship
M: and the main disadvantage is the high cost of borrowing money.
F: but that all depends on the terms of the loan.
M: The important thing to me is to reduce my exposure to risk.
F: You don't want to be left hanging on the line.（陷于困境）
M: No, I want to meet my financial obligations.
Q: what is important to Mr. Crein
A: reduce his exposure to risk
Dialog 2:
Fixed rate loans(固定利率贷款)，floating rate loans( 浮动利率贷款)
F：I go with (opt for) the fixed rate loan.
M: I agree, the floating rate is too much a gamble.
F: Too much can happen you cann’t control.
M: I want to know how much I have to pay.
F: and how long you will be obligated.(了解承担债务的期限)/how long you want the loan for
M: That depends on the paydown(n,即期付款，每次付款的金额/down payment，首付)),I suppose.
F :And you have to consider what currency do you want the loan in.
M: Let’s not get into that now.(先别考虑这个)
Q: what rate does the customer prefer?
A: fixed one.
Dialog 3:
Securities(证券),
F: Let’s talk about the pros and cons of an investment bank.
M: I’m still leaning towards( =prefer) a commercial bank.
F: A commercial bank structures (组织，动词) a loan they can live with(能承受).
M: and I can pay down.（ 动词，当期付款，pay back the loan,还清欠款）
F: and an investment bank structures a security to sell to investors.
M: you mean like stocks or bonds?
F: Right. They sell these securities to investor such as venture capitalists.(风险投资家)
M: so their risk is spread out.
Q: What does an investment bank do with a loan
A: they sell it to someone else.
Small talks:(表示失望)
――well,to tell you the truth, I’m disappointed with(in) it
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