評論
打印
Clearing House Associations
票據交換所
Bill Hobson is asking his banker about the local Clearing House Association in their city.
比爾·霍布森正向他的銀行從業者打聽有關他們城里的地方票據交換所的情況。
Hobson:What is meant by the term Clearing House Association ?
霍布森：票據交換是什么意思?
Banker:It's a voluntary association of the banks in the city which settles interbank debts .
職員：它是城市中各銀行自愿結合的組織，用來清理銀行之間互相欠款的問題。
During a business day we accept checks drawn on other banks and other banks accept checks drawn on us.
在營業期間，我們接受從其他銀行開來的支票，而其他的銀行也接受我的開出的支票，
We balance these interbank obligations through the clearing house .
我們通過票據交換所來平衡這些銀行之間的債務。
H:What about the actual checks that you get which are drawn on other banks?
霍布森：你們接受從其他銀行開出的支票的實際意義是什么呢?
B:Of course ,we must give these checks to drawee bank to collect the funds they owe us .
職員：當然，我們必須把這些支票交給票據付款行，并且收回他們欠我們的資金。
And they give us checks drawn ourselves to collect the funds we owe them .
同樣，他們把我們開出的支票交還給我們，也收回我們欠他們的資金。
H:So the clearing house handles all this ?
職員：因此，票據交換所就是辦理這些事情的。
B:Yes,they separate all the checks according to drawee bank ,
職員：是的，他們按照票據付款行區分開所有的支票，
add the total each bank owes and deduct that from the balance maintained at the clearing house .
把每個銀行對其他行的欠款額加總，再從各銀行保留在標據交換所的余額中減去其欠款總額。
And ,of course,they add to the balance the amount each bank is owed.
當然，還要把其他銀行對這個銀行的欠款加到余額中去。
Then they deliver the actual checks to each drawee bank .
然后，票據交換所把這些實際的支票交給每個標據付款行。
H:What about checks drawn on banks outside the city ?
霍布森：那么，從外地銀行開出的支票又如何處理呢?
B:The clearing house sends those checks to the Federal Reserve Bank's collection and clearing service .
職員：票據交換所把這些支票寄給聯邦儲蓄銀行的托收和票據交換業務部門，
That operates just like a local clearing house ,but deals with out-of-town or out-of-state banks .
這個部門的業務與地方票據交換所的業務性質是一樣的，但是它是與處地或外州的銀行進行業務往來。
So between the local and Federal Reserve clearing houses,checks drawn on any bank in the country can be easily processed .
因此，在地方和聯邦票據交換所之間，國內任何銀行開出的支票都能很容易地得到處理。
