中世纪时期，现代银行和信用工具出现之前，人们在家里存钱，一次丢几个硬币到罐子或盘子里。
In the Middle Ages, before modern banking and credit instruments, people saved money at home, a few coins at a time dropped into a jar or dish.
我认为信用工具就是发放贷款的书面证明。
I think a credit instrument is a written evidence of the extension of a loan.
您知道，所有这些都必须在信用工具上注明清楚。
You know all that must be clearly indicated in any credit instrument.
它们起着货币代替物的作用，被称为‘信用工具’。
They perform the function of substitute money and are known as' instruments of credit '.
信用卡是一种消费信用工具，具有方便消费者的特点。
Credit card is a tool of consumption credit, it is very convenient to consumers.
而市场风险小组认为它们是信用工具，因为这些产品的基础资产是贷款。
Market-risk teams saw them as credit instruments, since the underlying assets were loans.
不同的信用工具有不同的汇率，即电汇汇率、信汇汇率和票汇汇率。
The price of one currency in terms of another is called rate of exchange or exchange rate.
每次递交议付时议付行必须在受益人提交的正式信用工具上确认这些背书！
Each negotation must be endorsement on the reverse side of beneficiaries original credit instrument by the negotiating bank which has to confirm the endorsement on their documentary remittance letter.
信用证是银行对销售商品者已装运订购的出口货物承担付款保证的信用工具。
Thee letter of credit is the bank instrument that assures the person selling merchandise of payment if he makes the agreed-upon shipment.
不同的信用工具有不同的汇率，即电汇汇率。 即期交易按即期汇率交割，远期交易按远期汇率交割。
There are different rates for the different exchange instruments, The rates at which the banks sell foreign exchange (selling rates) are higher than the rates at which they buy (buying rates).
银行卡是传统金融业务与现代信息技术相结合的产物，在发达国家银行卡是非常普及的个人日常支付及消费信用工具。
Bankcard is the combined product of traditional finance operations and modern information techniques. It is a very common means of payment and consumer credit in the developed countries.
债权人相信当他们在银行或其它授权机构提交这类信用工具时他们获得法定货币的可能性很大，只有这样信用才有保障。
Credit is offered only when creditors believe that they have a good chance of obtaining legal tender when they present such instruments at a bank or other authorized institution.
因国库券的债务人是国家，其还款保证是国家财政收入，所以它几乎不存在信用违约风险，是金融市场风险最小的信用工具。
Due to the Treasury of the debtor is country, its repayment guarantee is the national fiscal revenue, so it is almost no credit default risk, financial market risk minimum credit instruments.
不同的信用工具有不同的汇率，即电汇汇率、信汇汇率和票汇汇率。票汇汇率又分为即期票汇汇率和远期（30天）票汇汇率等。
There are different rates for the different exchange instruments: the rate for T/Ts or cable rate, the rate for cheques and sight drafts (demand rate), the rate for 30-day bills, etc.
完备的信用形式（体系）、发达的信用工具、规范的信用关系和正常的信用秩序以及与之相适应的信用观念和文化是现代信用制度的主要标志。
Main symbol of modern credit system is a complete set of facilities and modernized instruments and a integrated structure of credit system and standardized credit relationship.
完备的信用形式（体系）、发达的信用工具、规范的信用关系和正常的信用秩序以及与之相适应的信用观念和文化是现代信用制度的主要标志。
Main symbol of modern credit system is a complete set of facilities and modernized instruments and a integrated structure of credit system and standardized credit relationship.
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