Chapter1
1.中国曾把很大一部分的出口收入转为以美元为单位的金融资产。中国现在把很大一部分的出口收入转为国外投资，并鼓励国内消费。China plowed back a large portion of its export earings into dollar-based assets, but focuses on overseas investment and domestic consumption at present.
2.因此，当地的股票市场在私有企业的融资上几乎没有起到任何作用。私有企业需要扩展业务时往往依赖银行贷款。As a result, local stock markets have played a negligible role in the funding of private businesses, which have tended to rely on bank loans for business expansion.
3.中国人民银行将引导贷款投向，促进经济结构调整。督促商业银行、政策性银行增加对企业技术改造、中小企业大展和结构调整的支持力度。The People's Bank of China will direct the flow of the loans to facilitate economic restructuring. It will encourage the commercial banks and policy banks to strengthen their financial support for technical renovations of companies, development of small and medium businesses and structural adjustment in the agricultural sector.
4.自从改革开放以来，外资银行数目在我国有很大增加，并且集中在上海、深圳及广州等地，提供的业务包括有一般商业银行业务、投资、合资及房地产按揭。Since china reformed and opened to the outside world, there has been a dramatic increase of the number of foreign invested banks in china, most of which are in Shanghai, Shenzhen and Guangzhou. Their business areas include general commercial banking, investment and real estate mortgage.
5.中国政府决定选择资产质量较好、包袱较轻的中国银行、中国建设银行进行股份制改革试点。The Chinese government made a strategic decision: selection the BOC, and China Construction Bank, which have relatively good assets and light historic debt burdens as the two pilot banks to conduct joint-stock restructuring.
6.借鉴国外股份制商业银行经营管理模式，建立现代股份制商业银行的新机制是此次改革的中心任务。The core task of this reform is to build modern joint-stock commercial banks by learning form international best practices in corporate governance.
Chapter2
1.付款条件：按货物金额90%开立以卖方为受益人的不可撤销的信用证，凭卖方汇票跟单向开证行议付。其余10%货款在货到目的地检验后付清。T erms of payment: By irrevocable letter of credit for 90% of the total invoice value of the goods to be shipped, in favor of the seller, payable at the issuing bank against the seller's draft at sight accompanied by the shipping documents stipulated in the credit. The balance of 10% of the goods is to be paid only after the goods have been inspected and approved at the port of destination.
2.交货条件：需附品质、数量、重量、产地证书，买方有权在货到后由中国商品检验局进行复检证书，可作为买方向卖方提出索赔的依据。Delivery Term: Certificates of Quality, Quantity, eight and Origin are required. The buyer has the right to have the goods re-inspected by the China Commodity Inspection Bureau at the port of discharge. The relevant inspection certificates may serve as the basis of any claim to be lodged by the buyer.
3.索赔期限：货到目的地卸货后60天内买方有权向卖方提出索赔。Validity of claims: The buyer has the right to lodge a claim for all losses sustained within 60 days after discourage of the goods at the destination.
4.物流自动化系统能把这些高水平的计算机系统提供的便利强有力地组合起来，形成一个互补的系统。Logistics automation system can powerfully complement the facilities provided by these high level computer systems.
5.自动传送设备能把输入的集装箱运到仓库的一个区域，同时允许通过严格的编码规则或是资料输入进行地点选择。Automated conveyors allow the input of containers in one area of the
