金融英语阅读：旅行支票

Many of the banks and travel services in the western countries provide convenience for the travelers by issuing traveler'schecks. 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 aftertheir counter-signatures are recognized. A lot of travelers like to buy such checks for they don't have to take along much cashand worry about counterfeit signature. The agencies will take back the money they have paid by sending the checks to theissuing 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 theycollect by issuing traveler's checks because they not only receive service charge from the check buyers, but they also don'tneed to pay any interest no matter how long the cheeks remain in circulation before clearing. This is why the banks and thetravel 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。