1.Banks were developed to keep people's money safe and to make it available when they needed it. Since money was invented, people have been borrowing and lending it.

1.开办银行是为了稳妥地保管人们的钱财，使他们在需要时能随时提取。自从货币出现以来，人们一直在进行货币的借贷活动。

2.Cash is a banker's stock in trade but it earns nothing and costs him a great deal to store, safeguard and transport, so he will keep as little of it as he can.

2.现金是银行的备用金，没有任何收益，还要花费很大的代价去贮存，保管和运送，因此，银行尽可能保留极少的现金。

3.At the end of the month, the bank sends you a statement of your account. The statement provides a summary of the checks that have been paid and the deposits that have been made. The amount that is left in your account after the cheeks have been deducted and the deposits have been credited is the balance.

3.到月底，银行会把账户的对账单送给你，对账单提供了支票付款及存款的情况摘要。在扣除了支票款及贷记的存款额之后，账户上剩下的金额就是余额。

4.If there is any doubt about the signature, the bank will refuse to cash the check and will return the check to the endorser. A check must be endorsed before it can be cashed - that is, the person or company to whom the check is made out must sign it on the back.

4.如果银行对签字的真实性有怀疑，它将会拒绝兑现支票，将支票退给背书人。支票在兑现之前必须先背书，也就是说，支票向其开出的个人或公司必须在支票的背面签字。

5.A group of ten international banks is to underwrite and sell the bonds.

5.一个由10家国际银行组成的银团将包销及出售这些债券。