1.The banks are commercial enterprises and like many other businesses are organized as companies which are owned by shareholders1.银行是商业企业，它的组织结构和其它企业一样，是由股东一同拥有些公司型组织。
The banks are commercial enterprises银行是商业企业。
commercial a.having profit as a chief aim以获利为目的的
the banks like many other businesses 和其它企业类似的银行
like many other businesses是介词短语，做后置定语，修饰前面的the banks。
like prep.possessing the characteristics of; re百度竞价推广bling closely; similar to相似，类似：具备的特征；相象；相似
are organized as companies（银行的）组织结构和企业的（组织结构）相同
as companies是介词短语，做状语，修饰谓语动词are organized。
as prep.in a manner similar to; the same as以一样的方法；好似
2.These accounts are of two main kinds: current accounts on which customers can draw cheques but receive no interest, and deposit and savings2 accounts on which the banks pay interest for the use of the money.这类账户主要有两种：一种是活期存款，顾客可以对其开出支票，但没利息，另一种是储蓄存款账户，银行用账上的资金要支付利息。
on which customers can draw cheques but receive no interest为定语从句，修饰前面的current account。
draw cheques on 对活期账户开支票（取款）
draw vt.to use when paying开支票
account n.a formal banking3, brokerage, or business relationship established to provide for regular services, dealings, and other financial transactions账户：为提供按期的服务，买卖，和其他金融活动而打造的正式银行业务，经纪业或商业关系
on which the banks pay interest for the use of the money为定语从句，修饰前面的deposit and savings account。
pay interest on for the use of the money用（储蓄存款账户上的）资金要支付利息
3.But while notes and coins are a practical way of carrying out some small transactions, cash payments are a cumbersome4, cosplaytly5 and, unfortunately, sometimes a dangerous method of settling most payments, especially if the money has to be sent any distance.然而，虽然在进行小笔买卖时一般都用现钞、硬币支付，但对大部分结算来讲，用现金支付既不便捷、成本又高，有时甚至还有风险，这风险特别存在于异地寄送现金。
a practical way一种（进行小笔买卖）的实用办法
manifested in or involving practice可达成的，好用的
carrying out some small transactions为动名词短语，做介词of的宾语。
a cumbersome, cosplaytly and, unfortunately, sometimes a dangerous 一种棘手的、成本高的，不幸的是，有时是危险的（办法）
cumbersome, cosplaytly, dangerous都是形容词，修饰method。
cumbersome a.troublesome or onerous6棘手的，麻烦的
cosplaytly a.entailing7 loss损失极其严重的
unfortunately adv.不幸的是，在句中作状语。
settling most payments是动名词短语，做介词of的宾语。
settle v.to pay 还（债），支付（债务）
any distance相距，相隔，引伸为异地。
4.It is more convenient, safer and more efficient to settle payments either by cheques drawn8 on a bank account, or through the banks credit transfer.结算支付既能够用开立支票从其银行户头付账的方法，也可以通过银行贷方划拨，如此做更便捷、更安全，而且效率更高。
It is more convenient, safer and more efficient to settle payments句中的It为形式主语，真的的主语是动词不定式短语to settle payments。
by cheques, through the banks credit transfer两个介词短语做状语，修饰动词settle。
drawn on a bank account过去分词短语，做后置定语，修饰前面的cheques。
draw on对开支票