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  二.作业题

  第九章 信用卡Unit 9 credit card


  本章小结与大纲:


  本章主 要介绍信用卡使用方法,注意事项,有利因素和不利因素,如何理 智使用信用卡以及防范被盗和遗失风险。信用卡于上世纪60年代起源于美国加州,逐步流行全美和西欧,现在已是全世界银行,商家,和消费 者不可或缺的便利的金融工具,他的发 展极大地促进了全球资本流动,贸易流通,和服务国际化,同时大 大促进了旅游业的发展。


  在英语 翻译方面重点介绍了词类转换----把英语 介词转换为中文动词,以适应 两种语言的不同特点。本章分 三个不同类型讲述了英语介词转化为中文动词的方法技巧以及常用短语翻译惯例。


  本章教学分为五节:1.生词和短语;2.课文与翻译;3.翻译技巧;4.复习与思考;五.参考文献。


  教学目标:


  通过本章学习,使学生 掌握信用卡的功能,使用方法,注意合理利用,同时防范风险。掌握有 关信用卡使用过程中的专业英语词汇和短语;掌握信 用卡有关专业语言的翻译技巧和介词短语的翻译技巧;熟悉有 关专业短语的翻译惯例。


  教学重点:


  信用卡 的功能和使用方法;信用卡 有关专业语言的翻译技巧和介词短语的翻译技巧;有关专 业短语的翻译惯例。


  教学难点:


  信用卡 有关专业语言的翻译技巧和介词短语的翻译技巧;


  -----------------------------------------------------------------------------------------


  第一节 生词和短语


  acquire n. [əˈkwaɪr] 取得

  on credit 赊(帐)


  a line of credit 信用额度 validity n. 有效性


  sales slip 签购单据 description n. 描述


  imprinter n. 压卡机 account number 账号


  expiration n. 终止 exceeding n. 超过

  ceiling limit 限额 reimbursement n. 偿还


  grace n. 宽限 decade n. 十年

  contributory to 有助于 booming a. 繁荣的


  financial scene 金融业 with suspicion 怀疑的


  syndrome [ˈsindrəum] n. 同时存在的事物

  hire-purchase n. 分期付款


  rental and lessing scheme 租赁计划


  foolhardy a. 蛮干 succumb to 屈从

  beyond one’s means 超出…能力


  obviate v. 避免 judicious a. 明智的

  interest-free a. 免息的 shop around 到处寻找


  decide on 选定 outlet n. 销售


  goldmine n. 财源; tide over 克服


  第二节 课文与翻译


  Credit cards are instruments issued by banks to customers(carholders) to enabele them to acquire goods, services or curency (where regulations allow) on credit.信用卡 是银行为使客户(持卡人)能以赊 账的方式购买商品、获得服务和提取货币(在条件允许的范围内)而发行的工具。


  The customer will be provided with a plastic card carying a line of crdedit that, raging from several hundred to several thousand dollars, varies according to the creditability of the customer. 银行在 为客户签发塑料信用卡时,将按照 客户的资信情况规定一个几百美元至几千美元不等的信用额度。

  The customer can gain goods or services by showing his cad to a store, a hotel or a restaurant that has pre-arrangement with the issuing bank to accpt credit cards. 客户可 凭此卡到与发卡银行签订接受信用卡协定的商店、宾馆或 餐馆购物或获取服务. Having examined the validity of the card, the supplier will give a sales slip签购单据, in which the date of each sale, description of the merchandise or services supplied and the credit amount will be filled by hand-written letters of the lower right conner. The following information will then be proccessed on the slip togather with the credit card through on imprinter supplied by the issuing bank:

  使用信用卡时,提供商 品或服务方先要检查卡的有效性,核对无误后。开出签购单据。并在单 据右下方填写日期、购物品 种或服务的内容和账单的金额,再把它 和信用卡一起放在发卡银行提供的压卡机里,印上:


  (A)the customer’s account number and name客户的帐号和姓名;


  (B)expiration date of the card信用卡终止日期;


  (C)the merchant’s account number and name.提供方的帐号和名称.


  Finally the customer has to sign on the sales slip, to be compared with that on the card. 最后,由客户在单据上签字,以便与 卡上的签样核对。In some cases, the card-issuing bank may approve the exceeding of each amount above the card celling limit有时,经过发卡行同意,每次购 物的金额可以超过卡上的限额。


  After the sale or service, the merchant will return the card and a copy of sales slip to the customer, keep another copy for file and send the third to the issuing bank for reimbursement within three business days after the transaction date.一次销 售或服务活动结束之后,出售方 会把信用卡和签购单据的第一联退还给客户,第二联自己存档,第三联 在三个营业日之内寄送发卡行,要求偿付赊销款项,杭州翻译公司


  On the other side, the customer wil receive a bill monthly from the bank for payment of his purchase. Usually, he is allowed a grance period of 25 days. 发卡行偿付垫款后,将每月 向赊账客户发出付款账单。一般情况下,客户偿付该账单可有25天的宽限期。


  With a history of decades, credit cards at present widely used in many countries as popular banking instrument which is greatly contributory to the booming development of tourism and commercial and economic communications.几十年来,信用卡 作为一种银行信用工具已在许多国家应用,对旅游 业和商业经济联络的迅速发展起到了很大的作用。


  Being first popular in California, credit card spread the United States and most Westen Europe during the late of 1960s.信用卡 最先流行于加利福尼亚,在20世纪60年代后 期推广到整个美国和西欧的绝大多数国家。Although credit cards are becoming a more acceptable part of the financial sence, they are still regarded with suspicionby many as being a major part of the “live now, pay later” syndrome. 虽然信 用卡正在成为金融业更能接受的付款方式,但是许 多人仍然心存疑虑,把信用卡堪称是“寅吃卯粮”的一种主要表现。Along with hir-purchase, rental and leasing schemes, they provide encouragement to spend more money.信用卡同分期付款、租赁等 赊购方式是一样,鼓励人们都花钱。Of cousre, it is only the foolhardy who succumb to the temptation to live, temporarily at least, beyond their means, and such people would no double manage to do even without credit card 只有没 有头脑的人才经不起诱惑去过入不敷出的日子(至少暂时如此);即使没有信用卡,毫无疑问,这种人也会这样做。


  Advertising campain have, however, promoted a growing realization of the advantages of these small plastic cards.然而,广告公司大作广告,让越来 越多的人相信这种小塑料卡的好处。They obviade免去 need to carry large amounts of cash and are always useful in emergencies.有了信用卡,就不需 要携带大量现金,而且在 急需用钱时信用卡用卡总是管用的。


  All the credit organizations charge interest on a monthly basis which may work out as high as 25 percent a year, yet judicious明智的 purchasing by using a card can mean that you obtain up to seven weeks interest-free credit.所有的 信用卡机构都要收取利息,按月结算,年息可高达25%。但是,只要你 明智地使用信用卡,就可以赊欠7个星期 而不必支付利息。Using the card abroad, where items frequently take a long time to be included on your account, can extend this period even longer在国外使用信用卡,由于欠 款常常需要很长时间才能入账,无息赊欠期会更长。


  It is worthwhlie shopping around before deciding on a particular credit card. 在决定 购买某家信用卡之前,最好多跑几家公司。It is necessory to consider the amount of credit granted; interest rates, which may vary slightly, the number and range of outlets, though most cards cover major garages, hotels, restaurants and department stores; 有必要 考虑信用卡赊账的限额,利率――可能略有高低、接受单 位的多少及使用范围――虽然大多数加油站、宾馆、饭店和 百货商店均可使用and of course, what happens, if your card is lost or stolen当然还要考虑。一旦你 的信用卡丢失或失窃,会发生什么情况。A credit card chief may be sitting on a potential goldmine, particularily in there is a delay in reporting the loss of the card信用卡 窃贼可能会打法横财――尤其是 在失主没有及时报道的情况下。


  However, if used wisely, a credit card can cost nothing. or at least can help you to tide you over a period of financial difficultiy尽管如此,只要你 明智地使用信用卡,你就不 会支付一分钱利息。至少信 用卡能帮助你暂度经济难关。


  第三节翻译技巧


  词类转换:介词转换为动词


  介词种类:


  1. 单个介词on, at,


  2. 合成介词 onto, upon


  3. 成语介词 from behind


  4. 短语介词 because of, according to


  5. 分词介词 regarding, concerning


  A.当介词 或介词短语作表语,状语,且具有动作意义是, 才可译为汉语动词


  This is a kind of alloy with具有 high strength


  At the meeting, some were for赞成 the proposal and others against反对 it.


  Wo often go to work by乘坐 bus


  Coming!Away she skimmed over 越过the lawn, up跑上 the path, up跨上 the steps, across穿过 the veranda阳台, and into进了 the porch门廊.

  By由 banks; on credit通过信用赊账;

  ranging from…to…从…到; by通过 showing his card to a store;

  above超过 the card ceiling limit; for file存档;

  for reimbursement(要求偿还);with具有 a history of decades;

  along with与…一起 hire-purchase; even without没有 reedit cards; up to seven weeks; the shaft轴 turns about围绕 its axis轴线;

  I am for赞成 your proposal; please make some sentences after仿照 this model.

  At听了 the news they were quite alarmed; here is the train for开往 Beijing


  B.有些介 词要与名词或形容词等一起构成一个完整的动作。


  It is impossible to live in society and be independent of脱离 society.


  Parents’ love of爱 children is perfect and minute.


  He was sick of 讨厌this city。 It is just a wast of浪费 money


  C. 介词加 名词构成短语译成谓语动词成分


  On sale出售; on the point of 正要; on fire着火; out of touch脱离; in place of代替


  第四节 复习与思考


  一思考题:


  1. What are the advantages and disadvantages in the use of credit cards?


  2. When translate English into Chinese, why should some prepositional phrases in English be transferred to verbs in Chinese?


  二.作业题


  1. translation the following into Chinese.


  1) 为了for the sake来华的 外国旅游者和商人更方便的支付在中国的费用和让国内居民试用这种世界流行的信用工具,中国银行近年来一直has since在努力 向客户推广使用长城卡。目前已 有好几万长城卡投入使用,显示出 比传统的国际现金结算更高的效率。


  2) 信用卡 能使持卡人通过赊账credit的方式购买商品,获得服务。信用卡由零售商店,杭州翻译,银行或 信用卡公司发给经过批准的客户。银行或 信用卡公司结清客户的invoicing账单,按月给 客户开列消费账单,收取未结清欠款outstanding的利息。这些金 融机构的利润来自所收取的高额利息,持卡人 支付的认购费以及接受信用卡消费的单位交纳的代理费。


  3) 持卡人 到已于中国银行订立协定接受这种信用工具的商店,宾馆,餐馆购 买商品或接受服务之后,就可以 用信用卡支付账单。然后,这些服 务部门再向银行索偿全部款项, 银行再 按月对客户的账户进行结算。


  4) 另外,为了方便国际旅游者,中国银 行还设计开办了用外汇计算价值的长城金卡。因为长 城金卡已加入了万事达和维萨两家国际信用卡合作网络,作为这 两种信用卡的成员,持卡人 可在与这两家信用卡集团有关系的任何国外服务机构用卡消费。


  2. put the following underlined parts into English or Chinese

  1)


  (1)谈判者 面临一个令人困惑的问题the negotiator is faced with a perplexing problem


  (2)最重要的问题是,首次开 价应靠近最高点呢,还是靠近低点?the fundamental question is whether the opening offer should be more toward the extreme or more toward the low end


  2)


  They take no prisoners and grant no quarter, and the word “concession” isn’t found in their lexicon

  第五节 参考文献


  1. 汪涛,《实用英汉互译技巧》,武汉,武汉大学出版社,2001.


  2. 林佩汀,《中英对译技巧》,北京,世界天图书出版公司,1997。


  3. 孙萍,《实用英汉翻译新法》,长春,吉林大学出版社,2001。


  4. 张海涛,《英汉思 维差异对翻译的影响》,《中国翻译》1999(1)


  5. 杨建华,《新理念英汉互译》,天津,天津大学出版社,2001.

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