一

　　1.Satisfactory payment facilities are something which we are inclined nowadays to take for granted, but productive economic activity is dependent on their existence,and indeed on traders having reasonable access to short term credit facilities.

　　1.今天我们倾向于把令人满意的支付便利看成是理所当然的，但是生产性经济活动正是依赖于起存在，并且却是依赖于交易者拥有或者短期信贷的合理途径。

　　2.The higher the debt ratio is, the higher the strain of paying principal and interest is, and the higher the risk of solvency is.

　　2.负债比率越高，偿还债务本息的压力越大，偿债能力上的风险也就越大。

　　3.The turnover ratios can reflect the firms speed of fund turnover and time of operating cycle, hence indicate the liquidity.

　　3.周转率指标能够反映企业的资金周转速度和营业周期，反映企业的流动性。

　　4.A public offer of new shares shall be underwritten by a legally established securities institution and an underwriting agreement shall be executed.

　　4.公司向社会公开发行新股，应当由依法设立的证券经营机构承销，签订承销协议。

　　5.Currently Chinese fund management companies are engaged in the following business: securities investment fund, entrusted asset management, investment consultancy, management of national social security funds, enterprise pension funds and QDII businesses.

　　5.目前中国的基金管理公司的业务主要包括：证券投资基金业务、受托资产管理业务、投资咨询业务、社保基金管理业务、企业年金管理业务和QDII(合格的境内机构投资者)业务等。

　　6.a bank deposit is safer and less troublesome than keeping a stock of cash. A commercial bank undertakes to provide cash on demand to a customer who keeps money on current account, and after a few days notice to deposit account customers.

　　6.银行存款比持有现金更安全，麻烦也少。商业银行承诺，有活期存款的客户可以随时提现，也可以在存款客户通知几天以后提现。

　　二

　　1.The banks short-term assets earn interest but less than that obtained through Investments and Advances to customers. Like the short-term assets, they too can be readily sold, should the need arise, but their price can vary.

　　1.银行的短期资产能够获得利息，但与通过投资和对客户的预付款所获利息相比要少。这些有价证券和短期资产一样，如果有市场需求，可以随时出售，但价格时常有变化。

　　2.The banks investments are nearly all in securities issued or guaranteed by the British Government and quoted on the Stock Exchange.

　　2.银行投资几乎都是由英国政府发行或担保的有价证券，并由股票交易所报价。

　　3.The banks provide an efficient and convenient method of making payments.

　　3.银行提供高效便捷的支付方式.

　　4.To reinforce their cash reserves, banks keep another sizeable chunk of their money in assets which can be quickly turned back into money with little risk of loss.

　　4.为了增补现金储备，银行以资产的形式保存另外很大一部分资金。这些资产可以迅速转变成现金，没有什么损失风险。

　　5.A banker must always remember that he is dealing with other peoples money and that he is responsible for its safety.

　　5.银行家会永远记住，他在和别人的钱打交道，对钱的安全负有责任。

　　6.We should continue to deepen financial reform, rectify financial order, tighten financial supervision and regulation by law and improve performance.

　　6.深化金融改革，整顿金融秩序，强化金融监管和法制，提高经营效益。