旅行支票Traveler’s Check

Many of the banks and travel services in the western countries provide convenience for the travelers by issuing traveler’s checks. Travelers, while buying the checks, have to make signatures on the checks to the face of the bank or service clerks. During the trip, travelers can cash the checks from the agencies of the bank or the travel service whenever they need after their counter-signatures are recognized. A lot of travelers like to buy such checks for they don’t have to take along much cash and worry about counterfeit signature. The agencies will take back the money they have paid by sending the checks to the issuing offices. 
　　西方国家的许多银行和旅行社办理旅行支票业务，为旅客提供方便。旅客在购买旅行支票时，必须当着银行职员或旅行社职员的面在支票上签字。在旅行途中，旅客在需要时，可以在复签得到确认后，向银行和旅行社的代理机构兑现旅行支票。许多旅客喜欢购买此类支票，因为他们不必携带大量现金，也不必为冒签而担忧。代理机构通过将旅行支票寄送给发行机构收回所付款项。 
　　Traveler’s checks are generally of small face value, such as ten or twenty dollars, five or ten pounds, for miscellaneous payments. There is no time limit of their circulation period. It is very profitable for the issuing offices to finance the funds they collect by issuing traveler’s checks because they not only receive service charge from the check buyers, but they also don’t need to pay any interest no matter how long the cheeks remain in circulation before clearing. This is why the banks and the travel services are willing to provide such convenience. 
　　旅行支票通常是小面额，比如十、二十美元，五、十英镑，用于零星支付，在流通中没有时间限制。对发行机构来说，发行旅行支票提供融资便利是有利可图的，因为发行机构不但可以向支票的购买者收取费用，而且对发行的支票无论在外流通多久，在清算之前可以无息占用所吸收的资金。这就是银行和旅行社愿意提供此类便利的原因。 
　　New Words 
　　convenience n.方便，便利 
　　cash v.兑现 
　　agency n. n.代理, 中介 
　　recognize vt.认可, 承认 
　　signature n.签字 
　　counterfeit n.赝品, 伪造品 adj., 伪造的, 假冒的 
　　miscellaneous adj.各种各样的；不同性质的 
　　finance v. vt.供给...经费, 负担经费
　　Phrases and Expressions 
　　travel services旅行社 
　　traveler’s checks履行支票 
　　to make signatures签字 
　　to the face of…当着…的面 
　　counter-signatures复签 
　　counterfeit signature冒签，假签字 
　　issuing office发行机构 
　　face value面值，面额 
　　miscellaneous payment零星支付 
　　circulation period循环期 
　　service charge服务费，手续费
　　Notes 
　　1.Travelers, while buying the checks, have to make signatures on the checks to the face of the bank or service 
　　clerks.旅客在购买旅行支票时，必须当着银行职员或旅行社职员的面在支票上签字。 
　　(1)while buying the checks=while they are buying the checks 
　　while conj.at the same time that; although在…同时 
　　例：While the grandparents love the children, they are strict with them. 
　　虽然祖父母们都爱他们的孩子，但却对他们要求严格。 
　　(2)to make signatures在…上签字 
　　(3)to the face of…=to (one’s) face：in the view or hearing 
　　of当面：在视力或听力所及的范围 
　　例：criticized the supervisor to her face 
　　当她的面批评那个监督员 
　　(4) service clerks=travel service clerks 
　　2.During the trip, travelers can cash the checks from the agencies of the bank or the travel service whenever they need after their counter-signatures are 
　　recognized.在旅行途中，旅客在需要时，可以在复签得到确认后，向银行和旅行社的代理机构兑现旅行支票。 
　　(1)cash vt.to exchange for or convert into ready 
　　money兑换或把…换成现款 
　　(2)counter-signatures复签，再一次（当着银行职员或旅行社职员的面）签字 
　　counter adv.in a contrary manner or direction反方向地，相反地，对立地 
　　3.It is very profitable for the issuing offices to finance the funds they collect by issuing traveler’s checks because they not only receive service charge from the check buyers, but they also don’t need to pay any interest no matter how long the cheeks remain in circulation before 
　　clearing.对发行机构来说，发行旅行支票提供融资便利是有利可图的，因为发行机构不但可以向支票的购买者收取费用，而且对发行的支票无论在外流通多久，在清算之前可以无息占用所吸收的资金。 
　　(1)此句为并列复合句。其中包括一个由并列连词but引导的并列句，前面的并列句中包含一个由从属连词because引导的原因状语从句和一个由关系代词that 
　　(they collect)引导的定语从句，此处的that已省略。后面的并列句中包含一个由连接词组no matter 
　　how…引导的让步状语从句。 
　　(2)It is very profitable for the issuing offices to 
　　finance…此句是一个特殊句型。It引导词在句中做形式主语，真正的主语是动词不定式短语to finance…。 
　　(3) remain in circulation在流通中 
　　remain vi.to continue in the same state or 
　　condition保持不变：继续保持同一种状态或情况 
　　例：These matters remain in doubt. 
　　这些事情仍然值得怀疑 
　　(4)service charge服务费，手续费