In today’s complex economic world, neither individuals nor nations are self-sufficient. Nations have utilized different economic resources; people have developed different skills. This is the foundation of world trade and economic activity. As a result of this trade and activity, international finance and banking have evolved.
For example, the United States is a major consumer of coffee, yet it does not have the climate to grow any or its own. Consequently, the United States must import coffee from countries (such as Brazil, Colombia and Guatemala) that grow coffee efficiently. On the other hand, the United States has large industrial plants capable of producing a variety of goods, such as chemicals and airplanes, which can be sold to nations that need them. If nations traded item for item, such as one automobile for 10,000 bags of coffee, foreign trade would be extremely cumbersome and restrictive. So instead of batter, which is trade of goods without an exchange of money, the United State receives money in payment for what it sells. It pays


在當(dāng)今復(fù)雜的經(jīng)濟(jì)世界個(gè)人和國家都不是自給自足。 國家有利用不同的經(jīng)濟(jì)資源，人們開發(fā)了不同的技能。 這是世界貿(mào)易和經(jīng)濟(jì)活動(dòng)的基礎(chǔ)。 此貿(mào)易和活動(dòng)中，導(dǎo)致的國際金融和銀行已經(jīng)演化。
例如，美國是主要使用者的咖啡，但它并沒有增加任何氣候或自己。 因此，美國必須引進(jìn)高效種植咖啡的國家 (如巴西、 哥倫比亞、 危地馬拉) 咖啡。 在另一方面，美國有大型工廠能生產(chǎn)多種化工和，可以出售給需要它們的國家的飛機(jī)等的貨物。 如果國家交易如為 10000 袋咖啡，一個(gè)汽車的項(xiàng)的項(xiàng)外貿(mào)會(huì)非常麻煩和制約。 如此的即無錢交換的商品貿(mào)易的口味而不是美國用于它的銷售支付收到錢。 它為巴西咖啡，巴西可以隨后使用。反過來可以買紡織品，然后可以買到