随着1793年以后商业的日益繁荣，一大批银行经各州特许纷纷建立。
After the commercial boom beginning in 1793, a large number of Banks were established by special state charters.
这样做的结果是，银行更加重视销售人员，这些人大多是维拉罗萨加入该银行后雇用的。目的是建立消费者特许制度。
This has given the bank a stronger focus on salespeople as a result, and Villarosa hired more of them after he joined the bank in order to build a consumer franchise.
建立之初的美国出现了两类银行，即由州议会特许成立的商业银行与由美国国会法案批准成立的美利坚银行。
In the new nation emerged two kinds of bank -the commercial Banks chartered by state legislatures and the bank of the United States deriving its authority by act of the U. s. Congress.
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