金融英語聽說原文答案unit1-3.doc

Unit 1Multiple ChoicesDialog 1W: Hi, Mike. Why do you look puzzled?M: Ive learned that there are four big commercial banks in your country.Would you please tell me what they are?W: Yes, it is a pleasure. They are Bank of China, China Construction Bank,Industrial and Commercial Bank of China and Agricultural Bank of China.M: So, does CCB refer to China Construction Bank?W: I dont see any reason why not. You can simply call them respectively BOC, CCB, ICBC and ABC.Question: Which of the following is NOT among the four major commercial banks of China? (D) 譯文 女： 你好！麥克。為什么一臉困惑呀？男： 我知道你們國(guó)家有四大商業(yè)銀行，請(qǐng)你告訴我是哪幾家，好嗎？女： 行，樂意效勞。這四大商業(yè)銀行是中國(guó)銀行、中國(guó)建設(shè)銀行、中國(guó)工商銀行和中國(guó)農(nóng)業(yè)銀行。男： 所以CCB 是指中國(guó)建設(shè)銀行嗎？女： 一點(diǎn)不錯(cuò)。你可以簡(jiǎn)單地分別稱它們BOC, CCB, ICBC 和ABC。Dialog 2M: It is reported that some joint-stock banks have been established in several major cities.W: Exactly. They are allowed to offer various banking services to individuals and businesses just as the four big commercial banks do.M: You said it. Can you tell me some joint-stock banks?W: It is no sweat. China Minsheng Banking Corp. Ltd., China Citic Bank,Industrial Bank Co., Ltd., and Guangdong Development Bank are all joint stockbanks.M: What about Shenzhen Development Bank?W: Of course it is one of them.Question: Which of the following is NOT mentioned in their conversation? (A)譯文 男： 有報(bào)道說在一些大城市已經(jīng)建立了數(shù)家股份制銀行。女： 對(duì)。允許它們像四大商業(yè)銀行那樣對(duì)個(gè)人和企業(yè)提供各種銀行業(yè)務(wù)。男： 你說對(duì)了。你能告訴我一些股份制銀行嗎？女： 沒問題。民生銀行、中信銀行、興業(yè)銀行和廣東發(fā)展銀行都是股份制銀行。 男： 深圳發(fā)展銀行呢？女： 它當(dāng)然也是啊。Dialog 3M: Hi! I just read the news that many foreign banks have set up branches or representative offices in our major cities, such as Beijing, Shanghai and Guangzhou. They think China is a huge market and there are more chances for them to make a fortune.W: Sure as shooting. Im told that The Hong Kong & Shanghai Banking Corporation Limited has established branches in Shanghai and Beijing.One of my classmates is now working in a branch of the Bank of East Asia. It is also a foreign bank.W: Wonderful! There will be more employment opportunities for you when you graduate a year later.Question: What is the man according to the dialog? (C)譯文 男： 嗨！我剛讀了一篇新聞，上面說許多外資銀行在我們的一些大城市開設(shè)了分行或辦事處，比如北京、上海和廣州。他們認(rèn)為中國(guó)是一個(gè)巨大的市場(chǎng)，有更多的賺錢機(jī)會(huì)。 女： 消息屬實(shí)。我也聽說匯豐銀行在上海和北京開設(shè)了分行。我的一個(gè)同學(xué)在東亞銀行的一個(gè)分行就職。它也是外資銀行。女： 太棒了！等你明年畢業(yè)，就有更多的就業(yè)機(jī)會(huì)了。Dialog 4W: Is the president still the head of Bank of China after it became a public corporation through listing on the stock exchange?M: No. Generally speaking, the shareholders meeting is the top authority and then the Board of Directors. The president is appointed and confirmed by the Board of Directors. He is authorized by the Board to be in charge of the management and operation of the bank and required to report to the Board.Question: Which of the following has the right to decide the president of BOC? (C)譯文 女： 中國(guó)銀行在證券交易所上市成為股份有限公司以后，行長(zhǎng)還是最高領(lǐng)導(dǎo)嗎？ 男: 不是。一般來說，股東大會(huì)是最高權(quán)利機(jī)構(gòu)，然后是董事會(huì)。由董事會(huì)提名 確認(rèn)銀行行長(zhǎng)。董事會(huì)授權(quán)行長(zhǎng)負(fù)責(zé)銀行的管理和經(jīng)營(yíng)，并要求他向董事會(huì)匯報(bào)。 Dialog 1 W: Hello, Li. Hows tricks?M: Couldnt be better. How about you?W: Quite well. What are you doing here?M: I want to make some investment in funds. Im told that I can earn much more money.W: Sometimes, I think. We have a Personal Financing Center. The manager will give you some financial advice according to your income and other matters and help you make a reasonable plan.M: Wonderful. Where is the Center?W: Over there. The lady standing besides Counter No. 1 is the manager of the department. You can go and ask her about your affairs.Question: What does the man want to do and which department will he go to?He wants to buy some funds and he will go to the Personal Financing Center of the bank.譯文 女： 嗨，李， 怎么樣？男： 好極了。你呢？女： 我很好啊。在這兒干嗎呢？男： 我打算投資一些基金。有人告訴我投資基金可以獲得更高的收益。女： 我覺得有時(shí)會(huì)吧。我們有個(gè)人理財(cái)中心。那里的經(jīng)理會(huì)按照您的收入和其他因素給您一些理財(cái)建議，并幫您做出合理的計(jì)劃。男： 太棒了。理財(cái)中心在哪兒呢？女： 在那邊。1 號(hào)柜臺(tái)旁邊站著的女士就是這個(gè)部門的經(jīng)理。關(guān)于這事您可以去問 問她。Dialog 2M: Im told to go to the Premier Service Center of your bank to get some advice about the personal investment. Would you please tell me where it is?W: The Premier Service Center is on the second floor, next to the Credit Department. The passenger lift is over there. This way, please.M: Thank you.W: You are welcome.Question: Why does the man go to the Premier Service Center? Where is the Center?To get some advice about the personal investment. It is on the second floor, next to the Credit Department.譯文 男： 有人告訴我去大客戶服務(wù)中心咨詢有關(guān)個(gè)人投資的事宜。麻煩您告訴我它在哪兒，好嗎？女： 大客戶服務(wù)中心在2 樓，信貸部的隔壁。載客電梯在那邊，請(qǐng)從這里走。 男： 謝謝！女： 不客氣。Dialog 3M: I am going to apply to ICBC for a mortgage. Which department will attend to it?W: The Credit Department.M: Is it in the Credit Card Center?W: No. The Credit Card Center deals with the business of credit cards, while the Credit Department handles the business of personal loans as well as corporate borrowings.Question: What is the difference between Credit Card Center and Credit Department?The Credit Card Center deals with the business of credit cards, while the Credit Department handles the business of personal loans as well as corporate borrowings.譯文 男： 我打算到工行申請(qǐng)按揭貸款，哪個(gè)部門辦理這項(xiàng)業(yè)務(wù)？女： 信貸部。男： 在信用卡中心里面嗎？女： 不是。信用卡中心處理信用卡業(yè)務(wù)，而信貸部處理個(gè)人貸款和公司貨款。 Dialog 1譯文 男： 據(jù)我了解中國(guó)建設(shè)銀行目前提供4 種銀行基本業(yè)務(wù)。女： 是什么呢？男： 個(gè)人業(yè)務(wù)、公司業(yè)務(wù)、信用卡業(yè)務(wù)和網(wǎng)上銀行業(yè)務(wù)。女： 公司業(yè)務(wù)指什么？男： 公司業(yè)務(wù)指銀行為公司、企業(yè)以及機(jī)構(gòu)提供的各種銀行業(yè)務(wù)。女： 我想我明白了。所以個(gè)人業(yè)務(wù)指銀行僅為個(gè)人提供的各種業(yè)務(wù)，而網(wǎng)上業(yè)務(wù)指通過因特網(wǎng)提供的銀行業(yè)務(wù)。提供這些業(yè)務(wù)的是同一個(gè)部門嗎？男： 不是。提供這些業(yè)務(wù)的部門分別是個(gè)人銀行業(yè)務(wù)部、公司銀行業(yè)務(wù)部、信用卡中心和網(wǎng)上銀行業(yè)務(wù)部。Dialog 2譯文 女： 請(qǐng)問，理財(cái)咨詢部在哪里？我要買一些國(guó)債。男： 在那邊，1 號(hào)窗口旁邊。那里的部門經(jīng)理會(huì)為您辦理這個(gè)業(yè)務(wù)。女： 順便問一下，如果我要存錢，在哪里開存款賬戶？男： 哦，就在這里，你看，個(gè)人銀行業(yè)務(wù)部，我們?yōu)閭€(gè)人客戶提供個(gè)人存款和個(gè)人貸款業(yè)務(wù)。如果你打算買國(guó)債，你得首先在這里開一個(gè)活期賬戶。Dialog 3譯文 男：這里是信用卡中心嗎？貴行通知我說有指定我為受益人的信用證到了。我能夠來審證嗎？女： 哦，信用證？我想你最好去結(jié)算部問問。他們會(huì)為您辦理信用證業(yè)務(wù)。男： 對(duì)不起，我忘了。他們告訴我要去結(jié)算部的。順便問一句，信用卡不是信用證，是吧？ 女： 完全正確。如果您要開信用卡，可以在這里辦理。男： 對(duì)不起。我總是把“信貸”、“信用卡”和“信用證”混淆在一起。你能告訴我 信貸部提供什么業(yè)務(wù)嗎？女： 如果您申請(qǐng)貸款，就去那里。男： 多謝。我這就去結(jié)算部。 Conversation 1 Bank of ChinaW: Dr. Zhang, Id like you to meet Ms. Brown. Ms. Brown, this is Dr. Zhang, Manager of Beijing Branch, Bank of China.M: Nice to meet you, Ms. Brown. Welcome to our branch.W: Nice to meet you, Dr. Zhang. BOC is one of the four big commercial banks of China. Its my honor to come here and have a visit.M: Well, Ms. Brown. Have you heard of anything about our bank?W: Of course, a lot. I once read the magazine The Banker, er in 2007, I think, and I learnt from a report that BOC ranked the 9th among the worlds top 1,000 banks. It is incredible for me to be right here, exactly at the bank, Dr. Zhang. Im very excited.Would you please tell me more about your bank? Id like to learn about the 9th largest bank in the world.M: It is my pleasure, Ms. Brown. The full name of our bank now is Bank of China Limited, shortened to BOC. Frankly, Im proud of our bank.W: Yes. I know that. And Ive studied the history of your bank. The rapid development of BOC is really unbelievable. As a public company, what about its management and organizations?M: Generally speaking, BOC has a very effective management structure. Of course, the shareholders meeting is on the top of the management. Then there is the Board of Directors. Under the board, there are some committees making up the top management.W: These committees will discuss important matters and then report to the Board of Directors? M: Without doubt. The main sections under the top management include the operational section and the supervisory section. The operational section includes different departments dealing with banking operations, general business and supporting business. The supervisory section includes the Auditing Department, the Inspection Department, and the Security Department.W: And there are many branches and sub-branches at home and abroad. Am I right?M: Absolutely right. You know so much about our bank.W: You see, Ive made some study of Chinese banking. It is my field of study for a masters degree. Well, one more question. Would you please tell me the types of business offered by BOC? M: BOC is mainly engaged in commercial banking, including corporate banking, retail banking, and online banking or e-banking. We also offer services such as letters of guarantee, syndicated loans, financial advisory services, and so on.W: Thank you very much for your introduction. I think Ive learnt a lot about BOC. No doubt that BOC is the first largest commercial bank in China.M: Oh, well, there is still a long way for us to go. You know, Industrial and Commercial Bank of China ranked the 7th in the world last year.W: Shortly it is ICBC, right? And there are also Construction Bank of China andAgricultural Bank of China.M: Exactly. Together with BOC, they are the four big commercial banks of China.譯文 女： 張博士, 請(qǐng)?jiān)试S我介紹您認(rèn)識(shí)布朗女士。布朗女士，這是張博士，中國(guó)銀行北京分行的經(jīng)理。男： 很高興認(rèn)識(shí)您，布朗女士。歡迎光臨。女： 很高興見到您，張博士。中國(guó)銀行是中國(guó)四大商業(yè)銀行之一。來這里參觀是我的榮幸。 男： 布朗女士。您聽說過中國(guó)銀行嗎？女： 當(dāng)然。聽說過很多。我曾經(jīng)讀過銀行家這本雜志，嗯我想是在2007 年吧，里面有一篇報(bào)道說中國(guó)銀行位居世界1,000 家最大銀行的第9 名。今天我能夠站在這里，在中國(guó)銀行，真是太不可思議了。我很興奮。張博士，您能夠給我多講講中國(guó)銀行嗎？我希望了解世界第9 大銀行。男： 我很樂意，布朗女士。我們銀行目前的全稱是中國(guó)銀行股份有限公司。說實(shí)話，我很為它感到自豪。女： 我知道。我讀過中國(guó)銀行的歷史。中國(guó)銀行的快速發(fā)展確實(shí)令人刮目相看。 作為一家上市公司，其管理機(jī)構(gòu)設(shè)置又是怎么樣的呢？男： 總的來說，中國(guó)銀行擁有效率非常高的管理機(jī)構(gòu)。當(dāng)然，股東大會(huì)是最高權(quán)力機(jī)構(gòu)。其后是董事會(huì)。董事會(huì)領(lǐng)導(dǎo)某些管理委員會(huì)構(gòu)成銀行的高層管理機(jī)構(gòu)。女： 這些委員會(huì)將討論某些重大事情，然后向董事會(huì)匯報(bào)么？男： 完全正確。高層管理機(jī)構(gòu)主要包括兩部分：業(yè)務(wù)管理機(jī)構(gòu)和監(jiān)察管理機(jī)構(gòu)。 業(yè)務(wù)管理機(jī)構(gòu)包括分管銀行業(yè)務(wù)、總務(wù)和后勤不同的部門。監(jiān)察管理機(jī)構(gòu)包括審計(jì)部、監(jiān)察部和保安部。女： 中國(guó)銀行在國(guó)內(nèi)外還有很多分行和支行，對(duì)嗎？男： 不錯(cuò)。關(guān)于我們銀行，您知道得真不少。女： 您知道我對(duì)中國(guó)的金融業(yè)做了一些研究。這是我碩士研究的領(lǐng)域。我還有一個(gè)問題：中國(guó)銀行提供哪些方面的業(yè)務(wù)呢？男： 我們銀行主要經(jīng)營(yíng)商業(yè)銀行業(yè)務(wù)，包括公司銀行業(yè)務(wù)、零售銀行業(yè)務(wù)以及網(wǎng)上銀行業(yè)務(wù)。我們還提供諸如保函、辛迪加貸款、理財(cái)咨詢等業(yè)務(wù)。女： 非常感謝您的介紹。我想我已經(jīng)了解了很多有關(guān)你們中國(guó)銀行的事情了。毫無疑問中國(guó)銀行是中國(guó)最大的商業(yè)銀行。男： 噢，別這么說。我們?nèi)匀蝗沃囟肋h(yuǎn)。你知道，中國(guó)工商銀行去年在世界銀行中排名第7 位。女： 中國(guó)工商銀行簡(jiǎn)稱是ICBC，對(duì)嗎？此外還有中國(guó)建設(shè)銀行和中國(guó)農(nóng)業(yè)銀行。 男： 非常正確。它們與中國(guó)銀行一起并稱中國(guó)的四大商業(yè)銀行。Conversation 2 Foreign Banks in ChinaW: Hi, Tony. What is on the TV?M: News about foreign banks.W: Foreign banks? It is said many foreign banks want to set up branches in China.M: Exactly. They line up to enter Beijing. That is the headline in China Daily today.W: Foreign banks have been setting up a lot of new branches in Beijing and Shanghai these years. There will be some changes in the Chinese banking sector as more foreign banks come in.M: Ive heard of the news about Singapores United Overseas Bank Group, UOB in short. It has upgraded its Beijing representative office into a branch.W: What kind of banking business is UOB allowed to deal with? I know it is one of the three largest banks in Singapore.M: It is said that the new branch will offer foreign-currency services to foreign-funded companies, including Sino-foreign joint ventures. UOB Chairman Wee Cho Yaw once revealed that his groups next growth engine would come from China. Do you know how many branches the group has?W: Six.M: Yeah, exactly. So you can imagine what will happen to some high-profile banking giants. They are going to extend their reach into Beijings personal finance services.W: The news said Hong Kong and Shanghai Banking Corporation Ltd. shortened to HSBC, and Standard Chartered Bank will have their branches established in Beijing by the end of this year. M: HSBCs first branch in mainland China was opened in Shanghai several months ago. Customers can choose from a range of services including foreign-currency deposits in eight currencies and 24-hour phone banking. By maintaining a total account balance of at least US$50,000, customers can enjoy the services free of charge.W: Nice. If I had an account balance of that amount, I would enjoy the services free of charge. M: Do you have a bank account with HSBC?W: No. I wish I had.M: What is the name of the other bank mentioned just now?W: Standard Chartered Bank.M: It is HSBCs major rival in Hong Kong market. It also opened its first retail branch in Shanghai in July.W: Yes. It will also open a retail branch in Beijing in the first quarter of next year. An official said the new retail branch in Beijing will offer similar services. It will be the first foreign bank to provide mortgage services to Chinese customers.M: The deputy secretary-general of Beijing Banking Association, sorry, I cant remember his name, said to the reporters that major foreign banks expect to expand their business in the capital after a few years of profitable operations. He said there are now 18 foreign banks that have branches in Beijing and 108 overseas banks have set up representative offices in the capital. W: Are they allowed to offer services to domestic residents?M: I dont think so. The Peoples Bank of China requires that only those that have posted profits for their operations in China for three consecutive years will be given permits to offer services to domestic residents.W: It was reported that foreign banks have diverse expansion strategies. Some emphasize what they already specialize in and some eye a full range of services. I believe that foreign banks are tapping the local market step by step despite the policy restrictions.M: Yeah, the United States financial company J.P. Morgan, for example, is expected to launch services such as capital market financing, financial advisory, treasury services and cash management in China. UOB is targeting foreign-funded enterprises, with the further goal of helping local enterprises list on the Singapore capital market. And HSBC plans to expand in virtually all areas permitted by regulations.W: On one side of the coin are ambitious foreign banking giants but on the other are the policy limitations that restrict them to a limited range of businesses in the local market.M: The limitations have become fewer and fewer with the development of the economy. Foreign firms have gained more access to Chinas banking industry with the limitation terminated in December 2006. Before that, they were confined to taking deposits and issuing loans in foreign currencies. According to promises made by China when it joined the WTO, foreign banks have been allowed to launch consumer banking in Chinese currency since 2007. Of course, many foreign banks have offered various RMB businesses, some of them even issue credit cards in RMB.W: HSBC said last Friday that it would be granted access “soon” to the personal credit information of millions of Chinese under a landmark agreement with the Peoples Bank of China. The service, run by the central banks Shanghai branch and the Shanghai municipal government, will allow lenders to judge the credit worthiness of potential borrowers.M: Standard Chartered Bank has also joined the service, which holds personal credit data on 2.83 million people. The coming of foreign banks will bring about some changes in the banking sector. Oh, sorry, I have a meeting in Room 2401. They are waiting for me. I have to go now. See you in a while.譯文 女：嗨，托尼，電視在播什么呢？男： 關(guān)于外國(guó)銀行的新聞。女： 外國(guó)銀行？據(jù)說有很多外國(guó)銀行打算來中國(guó)開設(shè)分行。男： 對(duì)啊。他們排隊(duì)等候進(jìn)入北京。這是今天中國(guó)日?qǐng)?bào)上的大標(biāo)題。女： 近幾年外國(guó)銀行已經(jīng)在北京和上海新建了許多分行。隨著更多外國(guó)銀行的進(jìn)入，中國(guó)銀行業(yè)會(huì)發(fā)生一些變化。男： 我聽說過新加坡大華銀行集團(tuán)（簡(jiǎn)稱UOB）的有關(guān)新聞。他們已經(jīng)把北京代表處升級(jí)為分行。女： 新加坡大華銀行集團(tuán)可以在華經(jīng)營(yíng)哪些銀行業(yè)務(wù)呢？我知道這家銀行是新加坡的三大銀行之一。男： 據(jù)說新開的分行將為外資公司，包括中外合資企業(yè)，提供外匯業(yè)務(wù)。大華銀行集團(tuán)主席黃祖耀曾經(jīng)透露，他的銀行集團(tuán)下一個(gè)增長(zhǎng)動(dòng)力來自于中國(guó)。你知道該集團(tuán)有多少分行嗎？女： 6 家分行。男： 對(duì)，沒錯(cuò)兒。所以你可以想象某些引人矚目的金融巨頭會(huì)怎么樣。他們都計(jì)劃把觸角伸進(jìn)北京的個(gè)人理財(cái)業(yè)務(wù)。女： 新聞剛才說匯豐銀行，也就是HSBC，和渣打銀行將于今年年底在北京設(shè)立分行。 男： 匯豐銀行在中國(guó)大陸的第一家分行已經(jīng)于數(shù)月前在上海開業(yè)。客戶可以選擇多種服務(wù)，如8 種外匯的存款、24 小時(shí)全天候電話銀行等。存款余額總數(shù)如果在5 萬美元以上的話，客戶還可以享受免費(fèi)服務(wù)。女： 很好。如果我有這么多的存款余額，我就可以享受免費(fèi)服務(wù)了。男： 你在匯豐銀行有銀行賬戶嗎？女： 沒有。我倒很希望能有。男： 剛才還提到哪家銀行？女： 渣打銀行。男： 渣打銀行在香港市場(chǎng)是匯豐銀行的主要競(jìng)爭(zhēng)對(duì)手。他們7 月份在上海也開立了第一家零售分行。女： 是啊。他們還打算在明年一季度在北京建立一家零售分行。一位官員說北京新設(shè)的零售分行將提供類似的業(yè)務(wù)。它將成為第一家向中國(guó)客戶提供抵押貸款的外國(guó)銀行。男： 北京銀行協(xié)會(huì)的副總秘書長(zhǎng)，不好意思，我不記得他的姓名，對(duì)記者說過， 大型外國(guó)銀行經(jīng)過幾年的盈利經(jīng)營(yíng)以后，都希望進(jìn)一步擴(kuò)大在北京的業(yè)務(wù)范圍。他說，目前有18 家外國(guó)銀行在北京建立了分行，108 家海外銀行在首都建立了代表處。女： 允許他們?yōu)閲?guó)內(nèi)居民提供服務(wù)嗎？男： 我覺得不行。中國(guó)人民銀行規(guī)定，只有連續(xù)3 年在中國(guó)經(jīng)營(yíng)盈利的外國(guó)銀行才允許對(duì)中國(guó)居民提供服務(wù)。女： 有報(bào)道說外國(guó)銀行有多種戰(zhàn)略擴(kuò)展計(jì)劃。有些側(cè)重他們已經(jīng)從事的專業(yè)領(lǐng)域，有些盯著所有種類的業(yè)務(wù)。我相信，盡管有政策限制，他們也會(huì)逐漸進(jìn)入當(dāng)?shù)氐慕鹑谑袌?chǎng)。男： 對(duì)。像美國(guó)的金融公司摩根大通就打算進(jìn)軍中國(guó)的資本市場(chǎng)融資、理財(cái)咨詢、國(guó)庫(kù)券業(yè)務(wù)以及現(xiàn)金管理等業(yè)務(wù)。大華銀行的目標(biāo)是外資公司。其進(jìn)一步目標(biāo)是幫助中國(guó)國(guó)內(nèi)企業(yè)到新加坡資本市場(chǎng)上市。匯豐銀行打算在政策允許的所有領(lǐng)域擴(kuò)大其業(yè)務(wù)范圍。女： 一面是外國(guó)銀行巨頭的勃勃雄心，另一面是有關(guān)政策限制他們只能在當(dāng)?shù)厥袌?chǎng)限定的范圍內(nèi)經(jīng)營(yíng)業(yè)務(wù)。男： 隨著經(jīng)濟(jì)的發(fā)展，這些限制變得越來越少。2006 年12 月這些限制終止之后外國(guó)公司獲得了更多進(jìn)入中國(guó)銀行業(yè)的機(jī)會(huì)。在這之前，他們的業(yè)務(wù)僅限于接受外匯存款和發(fā)放外匯貸款。按照中國(guó)進(jìn)入WTO 時(shí)做出的承諾，外國(guó)銀行自2007 年以來已獲許經(jīng)營(yíng)銀行人民幣消費(fèi)業(yè)務(wù)。當(dāng)然，許多外國(guó)銀行已經(jīng)被允許提供各種人民幣業(yè)務(wù)，其中一些銀行還可以發(fā)行人民幣信用卡。女： 匯豐銀行上周五說，按照與人民銀行簽訂的某個(gè)重要協(xié)議，他們“很快”就會(huì)被批準(zhǔn)進(jìn)入涉及數(shù)百萬中國(guó)人的個(gè)人征信業(yè)務(wù)。由人民銀行上海分行和上海市政府負(fù)責(zé)的這項(xiàng)業(yè)務(wù)將使貸款人能夠分析判斷潛在的借款人的信用。男： 渣打銀行已經(jīng)參與這項(xiàng)工作。他們掌握有283 萬人的個(gè)人征信數(shù)據(jù)。外國(guó)銀行的參與將會(huì)給銀行界帶來某些變化。哦，對(duì)不起，我要去2401 房間參加一個(gè)會(huì)。我要走了，他們都等著我呢。一會(huì)兒見。 Scripts & Answers(The Host): Ladies and Gentlemen:Today we are honored to have invited Mr. Lin, the president assistant of Guangzhou Branch, Bank of China, to come to our department and give us a speech. Lets give him a warm welcome. (Mr. Lin): Good Evening, Ladies and Gentlemen. My speech today is about the Chinese banks. All the banks in our country can be divided into state-owned commercial banks, joint equity commercial banks, the rural banking institutions, foreign banks and policy banks.The four big commercial banks of China are Bank of China, China Construction Bank, Industrial and Commercial Bank of China and Agricultural Bank of China. With Chinas entry into the WTO, these banks were transformed from wholly state-owned commercial banks tolimited companies by listing on stock markets.There are many joint-stock or joint-equity banks among the commercial banks. Their share in the banking market has been growing rapidly. They operate entirely on a commercial basis and mainly serve the local economic development in large and medium-sized cities. China Minsheng Banking Corp. Ltd., China Citic Bank, China Industrial Bank Co., Ltd., GuangdongDevelopment Bank, Shenzhen Development Bank, China Merchants Bank, and Bank of Communications are examples of them. The joint-stock banks have become major banks in China. For instance, Shanghai Pudong Development Bank in 2007 ranked amongst the TopThree Strongest Banks in mainland China by the Asian Banker.We also have rural banking institutions. They are agricultural banks and rural credit cooperatives that offer bank services to people in rural areas in China.Many foreign banks have established their branches in China. Since the end of May, 2006, the numbe