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In China one of the most important services that a modern bank provides is the savings business. With a regular passbook savings account you have opened in a bank， you will be able to draw money whenever you need it. All banks pay interest on savings accounts. If you keep your money in the bank for a certain period of time， you can get a higher interest rate by buying a savings certificate. The longer the period， the higher the interest rate.

在中国，现代银行所提供的最重要的业务之一就是储蓄存款。有了银行开立的普通储蓄账户存折，你就可以随时取款。所有银行都对储蓄存款支付利息。如果你购买了一张储蓄存单，把钱存放在银行一段时间，你就会得到较高的利率。期限越长，利率越高。

Another service that banks in the big cities provide is safe-deposit boxes， where you can keep important papers and valuables. As a rule， you should fill out a signature card and pay some fee. Then you will get a key to your box， and the bank will keep another key. With your genuine signature and these two keys， you can open your box.

在大城市的银行里，有另一种服务就是保管箱业务，在那里你可以存放有价证券和贵重物品。通常，你填写好印鉴卡，支付一些费用，就可以得到一把开保管箱的钥匙，银行将保管另一把钥匙。凭你的印鉴卡和这两把钥匙，你就可以打开保管箱。

In China's big cities a new service started in recent years is the credit card. All charges made on your card are sent to the bank， and you are required to pay once a month. To get a credit card， you must fill out a form that requires you to tell about your salary and other income. If your credit is not good， the bank will not give you a credit card， but these services do not provide a major source of income for the bank. Now the bank's largest source of income is through loans， mainly made to businesses and also to individuals for the purchase of houses.

在中国大城市，近年来开办的一项新业务是信用卡业务。你卡上所付的一切费用都将通过银行入账，你必须每月结付一次。你要办一张信用卡，需要填写一张表格，写明你的薪金和其他收入。如果你的信用不好，银行就不会将信用卡给你。但是，这些业务并不给银行提供主要的收入来源。现在，银行的绝大部分收入来源是通过发放贷款获得的，主要是向企业，也向购买住房的个人发放。

It is obvious that banks are playing a very important part in the complex business affairs of our modern world.

很明显，在经济事务繁杂的现代社会中，银行正发挥着越来越重要的作用。