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(guó)家都不是自給自足。 國(guó)家有利用不同的經(jīng)濟(jì)資源，人們開(kāi)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(guó)際金融和銀行已經(jīng)演化。
例如，美國(guó)是主要使用者的咖啡，但它并沒(méi)有增加任何氣候或自己。 因此，美國(guó)必須引進(jìn)高效種植咖啡的國(guó)家 (如巴西、 哥倫比亞、 危地馬拉) 咖啡。 在另一方面，美國(guó)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(guó)家的飛機(jī)等的貨物。 如果國(guó)家交易如為 10000 袋咖啡，一個(gè)汽車(chē)的項(xiàng)的項(xiàng)外貿(mào)會(huì)非常麻煩和制約。 如此的即無(wú)錢(qián)交換的商品貿(mào)易的口味而不是美國(guó)用于它的銷(xiāo)售支付收到錢(qián)。 它為巴西咖啡，巴西可以隨后使用。反過(guò)來(lái)可以買(mǎi)紡織品，然后可以買(mǎi)到