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1、外文翻译原文Banks—Fees!Fees!Fees!MaterialSource:VitalSpeechesoftheDayAuthor:Hawke,Jr.,JohnDWinstonChurchillusedtosayofdemocracythatitwastheworstformofgovernmenteverdevised--exceptforalltheothers.Churchill'scommentcanalsobeappliedtobanking.Althoughlittleloved
2、,banksarenonethelessthebestinstrumentsyetinventedforthepromotionofthrift,wealth,andgeneralprosperity.That'swhywefocussomuchonwhatbankscandotohelpimprovethelotofAmericanswhoremainoutsidethefinancialmainstream.Bankershaveneverhadamonopolyontheprovisionof
3、financialservicesinthiscountry.Theyhavealwayssharedthatmarketwithahostofotherproviders--manyofthemunregulated--andthat'sneverbeentruerthanitistoday.AwalkthroughvirtuallyanytownorcityinAmericagivesasenseofhowdiversethefinancialmarketplaceis,andhowmanydi
4、fferentkindsoffinancialprovidersoperateandcompeteinourcommunities.Allofthemhavearoletoplayinmeetingawidevarietyoffinancialneeds.Choice,afterall,isanessentialelementofoureconomy,andtosuggestthatbankscanbe,orshouldtrytobe,allthingstoallpeoplewouldbeunrea
5、listic.Yetnotallfinancialprovidersarecreatedequal.Attheriskofsoundingparochial,letmesuggestthatbanksadduniquevaluetotheservicestheydeliver.Thoughtheremaybenoendofplacestocashacheck,getaloan,orpayabill,themillionsofAmericanswho--forwhateverreason--don't
6、obtainthoseservicesthroughabanklosesomethingimportantintheprocess.Whattheylosearethetangibleandintangiblebenefitsthatarelationshipwithamainstreamfinancialinstitutioncanprovide.Thatmayincludetheincentivesandinstitutionalsupportnecessaryforindividualstob
7、uildassets,transactionservicesatpricesbelowthoseofunregulatedfringeproviders,andfinancialservicesthatfringeproviderscan'tofferatall,suchassaferepositoriesforfunds,andcheapandefficientpaymentservices.Forasmallbusinessloan,aloanforeducationorjobtraining,
8、oranaffordablemortgage,onlyabankorothermainstreaminstitutionwillusuallydo.Therearealsothebenefitsofbuildingaformalcredithistoryandalong-termfinancialrelationshipwithabank.Theimportanceofthoseintangiblebenefitscannotbeexaggeratedforanyon
