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工商银行服务指南英文版

工商银行服务指南英文版Here is an English essay on the topic of "ICBC Service Guide English Version" with more than 1000 words:In today's fast-paced world, the financial industry has become an integral part of our daily lives. Among the many banking institutions that cater to the diverse needs of individuals and businesses, the Industrial and Commercial Bank of China (ICBC) stands out as a leading player, offering a comprehensive range of services to its customers. This service guide aims to provide a detailed overview of the various offerings and procedures of ICBC, empowering its clientele to navigate the financial landscape with confidence and efficiency.Accounts and DepositsAt the heart of ICBC's services lies its diverse array of account options, catering to the unique requirements of its customers. From basic savings accounts to specialized time deposits, ICBC offers a wide range of deposit products to suit individual needs. Customers can easily open an account by visiting any ICBC branch and providing the necessary documentation, such as a valid ID and proof of address. The bank also provides online account opening services,allowing customers to complete the process conveniently from the comfort of their homes or offices.ICBC's savings accounts offer competitive interest rates and various features, including online banking, mobile banking, and ATM access. Customers can choose from different account types, such as standard savings, youth savings, and senior citizen savings, each with its own set of benefits and privileges. For those seeking higher returns, ICBC's time deposit accounts offer attractive rates and flexible terms, ranging from one month to five years.Lending SolutionsIn addition to deposit services, ICBC also provides a comprehensive range of lending solutions to cater to the financing needs of its customers. Whether it's a personal loan, a mortgage, or a business loan, ICBC's lending specialists work closely with clients to understand their requirements and offer tailored solutions.Personal loans from ICBC can be used for a variety of purposes, such as debt consolidation, home renovations, or emergency expenses. The bank's lending team evaluates each application based on the applicant's creditworthiness, income, and repayment capacity, ensuring a fair and transparent process. ICBC's mortgage offerings cover both residential and commercial properties, with competitive interest rates and flexible repayment plans.For business customers, ICBC provides a range of financing options, including working capital loans, business expansion loans, and equipment financing. The bank's team of experts works closely with entrepreneurs and business owners to understand their unique challenges and develop customized financing solutions to support their growth and success.Wealth Management ServicesRecognizing the importance of financial planning and wealth management, ICBC offers a comprehensive suite of investment and advisory services. From basic investment products like mutual funds and bonds to more sophisticated offerings such as wealth management accounts and private banking services, ICBC caters to the diverse investment needs of its clients.ICBC's wealth management specialists work closely with clients to assess their financial goals, risk tolerance, and investment horizons. Based on this analysis, they develop personalized investment strategies and portfolios, ensuring that clients' assets are allocated and managed effectively. The bank's investment products are carefully curated to provide clients with a diverse range of options, catering to different risk profiles and investment objectives.In addition to investment management, ICBC also offerscomprehensive financial planning services, including retirement planning, estate planning, and tax optimization strategies. These services are designed to help clients achieve their long-term financial goals and secure their financial future.Digital Banking and InnovationRecognizing the growing importance of digital banking, ICBC has invested heavily in innovative technologies to enhance the customer experience. The bank's cutting-edge digital platforms, including mobile banking, online banking, and WeChat banking, allow customers to perform a wide range of transactions and access their accounts anytime, anywhere.ICBC's mobile banking app provides a user-friendly interface, enabling customers to check account balances, transfer funds, pay bills, and even apply for loans and credit cards directly from their smartphones. The app also features advanced security measures, such as biometric authentication and transaction monitoring, ensuring the safety and integrity of customers' financial information.In addition to its digital banking offerings, ICBC has also embraced emerging technologies to improve its operational efficiency and customer service. The bank has implemented artificial intelligence (AI) and machine learning (ML) solutions to streamline processes, enhance decision-making, and provide personalizedrecommendations to its clients.ICBC's commitment to innovation is further evident in its investment in fintech startups and collaborations with technology partners. These strategic partnerships allow the bank to stay at the forefront of industry trends, leveraging the latest technologies to deliver cutting-edge financial solutions to its customers.Customer Service and SupportAt the heart of ICBC's success lies its unwavering commitment to customer service and support. The bank's dedicated team of customer service representatives is available around the clock, providing assistance and guidance to clients through various channels, including branch visits, telephone banking, and online chat.ICBC's branch network spans across the country, ensuring that customers have convenient access to their banking services. The bank's branch staff are trained to handle a wide range of inquiries and transactions, from account management to loan applications, providing personalized attention and guidance to each customer.For customers who prefer digital channels, ICBC's 24/7 telephone banking and online chat services offer seamless support. The bank's customer service team is equipped to address a variety of inquiries, ranging from account balances and transaction history to investmentadvice and product information.To further enhance the customer experience, ICBC has also implemented a robust complaint handling system. Customers can submit their feedback or concerns through various channels, and the bank's dedicated team ensures that each issue is addressed promptly and efficiently, with a focus on resolving customer complaints to their satisfaction.ConclusionThe Industrial and Commercial Bank of China (ICBC) is a financial institution that has consistently demonstrated its commitment to delivering exceptional banking services to its diverse customer base. From comprehensive deposit and lending solutions to innovative wealth management services and cutting-edge digital platforms, ICBC's comprehensive service guide highlights its unwavering dedication to meeting the evolving needs of its clients.By leveraging the latest technologies, fostering a culture of customer-centricity, and continuously enhancing its product and service offerings, ICBC has established itself as a trusted partner in the financial journey of individuals and businesses alike. As the banking landscape continues to evolve, ICBC's commitment to innovation and customer service will undoubtedly solidify its positionas a leading player in the industry, catering to the diverse financial needs of its customers now and in the years to come.。

网络安全口语

网络安全口语随着互联网的飞速发展，网络安全已经成为我们生活中不可忽视的问题。

在日常生活和工作中，我们经常会涉及到网络安全的话题，因此学习一些网络安全口语是非常必要的。

本文将为您介绍一些常用的网络安全口语，帮助您更好地保护个人信息和网络安全。

1. 信息保护 (Information Protection)- Could you please encrypt my files? (请为我的文件加密。

)- Remember to set a strong password for your accounts. (记得为你的账户设置一个强密码。

)- Be cautious when sharing personal information online. (在网上共享个人信息时要小心。

)- Have you enabled two-factor authentication for your email? (你的电子邮件启用了双重认证吗？)- Have you backed up your important files? (你备份了重要文件吗？) - Don't click on suspicious links or download unknown attachments. (不要点击可疑的链接或下载未知附件。

)- It's important to keep your antivirus software up to date. (保持你的防病毒软件更新很重要。

)- Make sure to log out of your accounts when using public computers. (在使用公共计算机时一定要退出你的账户。

)- Avoid using public Wi-Fi for sensitive transactions. (避免在公共Wi-Fi环境下进行敏感交易。

会计术语中英文对照表

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APB发apprais评价法apprais评定价appropr指拨appropr拨定留asset资本支assets资产associat因果关attributi摊计auditor'审计报authori核准发availabl备供出availabl备供出average帐款收average存货周bad坏帐费balance资产负bank银行透bank银行往bank对帐单base基期存base基期basic会计基basic基本原bearer息票公benefici受益人betterm改良billings预收工bonds应付公bonus员工奖book帐面价book股权净call收回溢call赎回价call收回条callable可收回callable可收回capital资本支capital资本租capital股本capital已认购capital资本公capitali利息资carryin帐面价cash现金折cash现金股cash现金等cash营业活cash现金短certific定存单change找零金changes会计估changes会计原changes编制报consiste一致性claim请求权closed非公开closing结帐collecti收现法commo普通股commo已认普commo共同比compar比较性compar比较分compar比较报compen酬劳性complet全部履complet全部完comple复杂资compou复利法compre全面改comput电脑软conden简明损conserv稳健原consign承销人consign承销品consign寄销品consign寄销人constru在建工conting或有事conting或有负continu持续经contra抵减科contrib投入资controll统制帐convent惯例convert可转换convert可转换copyrig著作cost成本加cost成本分cost成本折cost成本流cost成本指cost成本法cost of产成品cost历史成cost成本回cost-成本效costs of工程成costs of公司债cost-to-工程成coupon兑换券covena债务条credit贷credit信用卡credit信用评cross交叉索cumulat累积亏cumulat累积影cumulat当期调cumulat会计原cumulat会计原cumulat累积优current当期调current流动资current流动负current长期负current流动比current当期所date of宣告日date of股利宣date of过期失date of除权日date of股利发date of股权登debentu无担保debit借debit借贷法debt债务证debt to负债对debt to负债比decisio决策有deferre递延年deferre递延借deferre递延酬deferre递延贷deferre递延销deferre递延项deferre递延法deferre递延付deferre递延认deferre递延所deferre递延所depleta递耗资depletio折耗deposit在途存depreci折旧性depreci折旧成depreci折旧基depreci折旧费derivati衍生性develop开发成dicision决策的dilutive稀释作direct直接融direct直接冲direct直接法direct直接评direct直接冲disconti停业部discoun公司债discoun应付票discoun应收票discoun折现值discoun应收票dishono拒付票disposa处分日distribu分配给dividen股利支dividen股利收dividen股利收dollar-金额后domina主要产donated受赠资donated受赠的double-双倍余double-复式簿dual双重表due审慎程dynami动态报earings每股盈early提前偿earned已赚得earned盈余公earning盈余econom经济主econom经济所econom经济实effectiv实际利effectiv有效利effectiv实际利efficien效率市efforts-工时进emergi紧急问employ员工折employ员工认equity权益法equity权益证equival约当持estimat估计项estimat估计产estimat估计残excess超额盈exchan可交换exchan汇率变ex-除息日executo待执行executo履约成exercis行使赎expecte退休金expense保证费expense保证费expirati认股权expirati退货权explora勘探成ex-right除权股extingu债务清extraor非常损extraor大修face面值face票面利feedbac回馈价financia财务会financia财务会financia财务会financia财务资financia财务弹financia财务所financia理财工financia财务杠financia财务机financi理财活finished产成品first-in先进先fixed固定资flexibili弹性floating浮动floor市价下flow流量footnot附注four-四栏式fraction不满一franchis加盟特franchis加盟员franchis特许权franchis加盟主free 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of主要行liquidit流动性listed上市公long-长期资long-长期投long-长期负long-长期应long-长期营loss或有损loss票据贴loss工程损loss on价值减lower成本与lump-整批购manage管理会manufa制造成margin边际税markdo减价取market市价法market市价法markup加价matchin配比原materia重要性maturit到期值measur衡量日mercha商品存mesura可衡量mislead误导moneta货币性moneta货币性money货币资mortga抵押公moving移动平multipl混合商multipl多项组multipl多步式multipl多步式net应收帐net净再加net净减价net净额法net净变现neutrali中立性nomina虚帐户nomina名义利noncom非酬劳noncom非酬劳noncum非累积noninte不附息nonmo非货币nonpart非参加nopar无面额normal正常损notes拒付应notes应收票NSF存款不number复利次obligati应付租off-资产负operati营业周operati营业租operati营业资option选择权ordinar普通年original原始售output产出单outstan流通在outstan未兑现paid-in投入资par面额par面额法par有面额particip参加优percent百分比percent百分比percent毛利百percent完工比percent应收帐percent销货百period期间费periodi定期盘perman实帐户perman永久性perpetu永续盘petty零用金physica物质因physica实地盘plant厂房设point 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泰国个人所得税申报表

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during tax year
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Declaration of intention to donate tax payment to political party
Political Party Identification Number
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LESSON_4

LESSON 4Review materialReview questionsQuestion 1Calculate the missing amounts.a b c dSales € 240,000 € 75,000Cost of goods sold 42,000 268,000 46,000Gross profit 114,000 39,000Operating expenses 95,000 146,000Income (Loss) (€ 8,000) € 48,000 (€ 14,000)Source: Adapted from Larson, Kermit P., Tilly Jenson and Raymond F. Carroll,Fundamental Accounting Principles, Tenth Canadian Edition (Toronto: McGraw-HillRyerson, 2002), Exercise 6-11, page 303Question 2Prepare journal entries for March 20X6 to record the following transactions for a retailstore. Assume a perpetual inventory system.Mar. 2 Purchased merchandise from Blanton Company under the following terms:€3,600 invoice price, 2/15, n/60, FOB factory.3 Paid €200 for shipping charge s on the purchase of March 2.4 Returned to Blanton Company unacceptable merchandise that had an invoice price of €600.17 Sent a cheque to Blanton Company for the March 2 purchase, net of the returned merchandise and applicable discount.18 Purchased merchandise from Fleming Corp. under the following terms:€7,500 invoice price, 2/10, n/30, FOB destination.21 After brief negotiations, received from Fleming Corp. a €2,100 allowance onthe purchase of March 18.28 Sent a cheque to Fleming Corp. paying for the March 18 purchase, net of thediscount and the allowance.Source: Adapted from Larson 10e, Exercise 6-3, page 301Financial Accounting Fundamentals Review material 4 2Question 3Prepare General Journal entries to record the following perpetual system merchandisingtransactions of Minchew Company. (Use a separate account for each receivable andpayable; for example, record the purchase on May 2 in Accounts Payable-Mobley Co.).Minchew Company does not use supplemental records for inventory accounting.May 2 Purchased merchandise from Mobley Co. for €9,000 under credit terms of1/15, n/30, FOB factory.4 Sold merchandise to Cornerstone Co. for €1,200 under credit terms of 2/10,n/60, FOB shipping point. The merchandise had cost €750.4 Paid €150 for frei ght charges on the purchase of May 2.9 Sold merchandise that cost €1,800 for €2,400 cash.10 Purchased merchandise from Richter Co. for €3,450 under credit terms of 2/15,n/60, FOB destination.12 Received a €300 credit memorandum acknowledging the return of merchandise purchased on May 10.14 Received the balance due from Cornerstone Co. for the credit sale dated May4.15 Sold for cash a piece of office equipment for its original cost, €500.17 Paid the balance due to Mobley Co.18 Purchased €820 of clea ning supplies from A & Z Suppliers; terms n/15.20 Sold merchandise that cost €1,350 to Harrill Co. for €1,875 under credit termsof 2/15, n/60, FOB shipping point.22 Issued a €225 credit memorandum to Harrill Co. for an allowance on goodssold on May 20.23 Received a debit memorandum from Harrill Co. for an error that overstated thetotal invoice by €75.25 Paid Richter Co. the balance due.31 Received the balance due from Harrill Co. for the credit sale dated May 20.31 Sold merchandise that cost €4,800to Cornerstone Co. for €7,500 undercreditterms of 2/10, n/60, FOB shipping point.Source: Adapted from Larson 10e, Problem 6-1B, page 317Question 4Beamer Company’s ledger on July 31, the end of the fiscal year, includes the followingaccounts that have normal balances:Merchandiseinventory .......................................................... € 34,800Joy Beamer, capital.............................................................. .. 115,300Joy Beamer, withdrawals.......................................................4,000 Sales................................................................ ....................... 157,200Sales discounts............................................................ ........... 1,700Sales returns andallowances ................................................. 3,500Cost of goodssold ................................................................. 102,000Depreciation expense............................................................. 7,300Salaries expense.............................................................. ....... 29,500Miscellaneous expenses.........................................................2,000Financial Accounting Fundamentals Review material 4 3A physical count of the inventory discloses that the cost of the merchandise on hand is€32,900. Prepare the entry to record this information.Source: Adapted from Larson 10e, QS 6-5, page 299Question 5The following amounts taken from supplementary and accounting records summarizeTransfer Compan y’s merchandising activities during 20X7. Set upT-accounts forMerchandise Inventory and Cost of Goods Sold. Then record the summarized activitiesdirectly in the accounts and compute the account balances.Cost of merchandise sold to customers in salestr ansactions .................. € 186,000Merchandise inventory balance, Dec. 31,20X6...................................... 27,000Invoice cost of merchandise purchases.................................................... 190,500 Shrinkage determined on Dec. 31,20X7 (700)Cost oftransportation-in.................................................... ...................... 1,900Cost of merchandise returned by customers and restored to inventory... 2,200Purchase discountsreceived ............................................................ ........ 1,600Purchase returns and allowances received............................................... 4,100 Source: Adapted from Larson 10e, Exercise 6-13, page 303Question 6(a)The following closing entries for Sabba Co. were made on January 31, 20X6 the end ofits annual accounting period: Sales................................................................ ..................... 531,000Income Summary........................................................... 531,000To close temporary accounts with credit balances.IncomeSummary.............................................................. ... 548,750Cost of Goods Sold........................................................ 301,000 Sales Returns and Allowances....................................... 14,000Sales Discounts............................................................ .. 7,000Selling Expenses............................................................ 117,000General and Administrative Expenses........................... 109,000 Interest Expense. (750)To close temporary accounts with debit balancesRequiredUse the information in the closing entries to preparea. A calculation of net sales.b. A classified multiple-step statement of comprehensive income for the year.Source: Adapted from Larson 10e, Exercise 6-15, page 304Financial Accounting Fundamentals Review material 4 4Question 6(b)The following list of accounts is taken from the December 31, 20X5,unadjusted trialbalance of Perry Sales, a business that is owned by Deborah Perry. Assuming a perpetualinventory system:a. Prepare a work sheet.b. Prepare a multiple-step statement of comprehensive income for the year endedDecember 31, 20X5.c. Journalize the closing entries.Debit CreditCash ................................................................ .............. € 13,000Merchandise inventory ................................................. 1,000Prepaid selling expense................................................. 4,000 Equipment............................................................ ......... 20,000Accumulated depreciation, equipment ......................... € 4,500 Accounts payable..........................................................6,000Salariespayable 0Deborah Perry,capital .................................................. 22,800Deborah Perry, withdrawals ......................................... 1,800 Sales................................................................ .............. 429,000Sales returns and allowances ........................................ 16,500Sales discounts............................................................ .. 4,000Cost of goodssold ........................................................ 211,000 Sales salaries expense................................................... 47,000 Utilities expense, store.................................................. 14,000Other sellingexpenses .................................................. 35,000 Other administrative expenses...................................... 95,000Additional information:Accrued sales salaries amount to €1,600. Prepaid selling expenses of €2,000 haveexpired.Source: Adapted from Larson 10e, Exercise 6-17, page 305Financial Accounting Fundamentals Review material 4 5Question 7Journalize the following merchandising transactions for Scout Systems assuming:a. a periodic systemb. a perpetual system.Nov. 1 Scout Systems purchases merchandise for €1,400 on credit with terms of 2/10,n/30.5 Scout Systems pays for the previous purchase.7 Scout Systems receives payment for returned defective merchandise of €100that was purchased on November 1.10 Scout Systems pays €80 to haul merchandise to its store.13 Scout Systems sells merchandise for €1,500 on account. The cost of themerchandise was €750.16 A customer returns merchandise from the November 13 transaction. The returned item sold for €200 and cost €100. The item will be returned toinventory.Source: Adapted from Larson 10e, Exercise 6-18, page 305Question 8Ethics ChallengeClaire Phelps is a popular high school student who attends approximately four dances ayear at her high school. Each dance requires a new dress and accessories that necessitatea financial outlay of €100 to €200 per event. Claire’s parents inform her that she is “onher own” with respect to financing the dresses. After incurring a major withdrawal fromher savings for the first dance in her second year, Claire developed a different approach.She buys the dress on credit the week before the dance, wears it to the dance, and returnsthe dress the next week for a full refund on her charge card. Required1. Comment on the ethics exhibited by Claire and possible consequences of her actions.2. How does the store account for the dresses that Claire returns Financial Accounting Fundamentals Review material 4 6Review solutionsQuestion 1a b c dSales € 240,000 € 75,000 € 462,000 € 85,000Cost of goods sold 126,000 42,000 268,000 46,000Gross profit from sales € 114,000 € 33,000 € 194,000 € 39,000 Operating expenses 95,000 41,000 146,000 53,000Net Income (Loss) € 19,000 (€ 8,000) € 48,000 (€ 14,000)Question 220X6Mar. 2 Merchandise Inventory .................................... 3,600 Accounts Payable — Blanton Company.... 3,600Purchased merchandise on credit.3 Merchandise Inventory (200)Cash (200)Paid shipping charges on purchased merchandise.4 Accounts Payable — Blanton Company (600)Merchandise Inventory (600)Returned unacceptable merchandise.17 Accounts Payable — Blanton Company.......... 3,000Merchandise Inventory (60)Cash............................................................ 2,940Paid balance within the discount period (2%).18 Merchandise Inventory .................................... 7,500 Accounts Payable — Fleming Corp........... 7,500Purchased merchandise on credit.21 Accounts Payable — Fleming Corp................. 2,100 Merchandise Inventory .............................. 2,100Received an allowance on purchase.28 Accounts Payable — Fleming Corp................. 5,400 Merchandise Inventory. (108)Cash............................................................ 5,292Paid balance within the discount period (2%).Financial Accounting Fundamentals Review material 4 7Question 3MINCHEW COMPANYMay 2 Merchandise Inventory..................................... 9,000 Accounts Payable — Mobley Co............... 9,000Purchased goods on credit.4 Accounts Receivable — Cornerstone Co......... 1,200Sales ...........................................................1,200Sold goods on credit.4 Cost of Goods Sold. (750)Merchandise Inventory (750)To record the cost of the May 4 sale.4 Merchandise Inventory (150)Cash (150)Paid freight on incoming goods.9 Cash.................................................................. 2,400Sales ...........................................................2,400Sold goods for cash.9 Cost of Goods Sold. ......................................... 1,800 Merchandise Inventory............................... 1,800To record the cost of the May 9 sale.10 Merchandise Inventory..................................... 3,450 Accounts Payable — Richter Co................ 3,450Purchased goods on credit.12 Accounts Payable — Richter Co (300)Merchandise Inventory (300)Received credit memo.14 Cash.................................................................. 1,176Sales Discounts (24)Accounts Receivable — Cornerstone Co... 1,200Collected receivable within the 2% discount period.15 Cash (500)Office Equipment (500)To record sale of store equipment at cost.17 Accounts Payable — Mobley Co..................... 9,000 Merchandise Inventory. (90)Cash............................................................8,910Paid payable within the discount period; 1% × €9,000 = €90.Financial Accounting Fundamentals Review material 4 8May 18 Cleaning supplies inventory (820)Accounts payable — A & Z Suppliers (820)Purchased supplies on credit.20 Accounts Receivable — Harrill Co.................. 1,875Sales ...........................................................1,875Sold goods on credit.20 Cost of Goods Sold. ......................................... 1,350 Merchandise Inventory............................... 1,350To record the cost of the May 20 sale.22 Sales Returns and Allowances (225)Accounts Receivable — Harrill Co. (225)Issued credit memo.23Sales ............................................................... .. 75Accounts Receivable — Harrill Co. (75)Received debit memo for error.25 Accounts Payable — Richter Co...................... 3,150 Merchandise Inventory. (63)Cash............................................................3,087Paid payable within the discount period; 2% × €3,150.31 Cash.................................................................. 1,Sales Discounts ................................................ Accounts Receivable — Harrill Co. .......... 1,575Collected receivable within the 2% discount period.31 Accounts Receivable — Cornerstone Co. ....... 7,500Sales ...........................................................7,500Sold goods on credit31 Cost of Goods Sold. ......................................... 4,800 Merchandise Inventory............................... 4,800To record the cost of the May 31 sale.Question 4BEAMER COMPANYJuly 31 Cost of Goods Sold ......................................... 1,900Merchandise Inventory .............................. 1,900€34,800 –€32,900 = €1,900Financial Accounting Fundamentals Review material 4 9Question 5TRANSFER COMPANYMerchandise InventoryBalance, Dec. 31, 20X6 ........ 27,000 Purchase discountsreceived ......... 1,600Invoice cost of purchases....... 190,500 Purchase returns and allowances Returns by customers ............ 2,200received .................................... 4,100Transportation-in .................. 1,900 Cost of salestransactions ............. 186,000Shrinkage (700)Total ...................................... 221,600Total ............................................. 192,400–192,400Balance, Dec. 31, 20X7 ......... 29,200Cost of Goods SoldRepresents all entries torecord the cost componentof sales transactions ...............186,000Represents all entries to recordmerchandise returnedby customers and restored toinventory during 20X7..................2,200Inventory shrinkagerecorded in December 31,20X7, adjusting entry.............700Total ...................................... 186,700Total ............................................. 2,200–2,200Balance ................................. 184,500Question 6(a)a. 531,000 – 14,000 – 7,000 = 510,000b.SABBA CO.Statement of Comprehensive Incomefor year ended January 31, 20X6 Sales................................................................ ........... € 531,000Less: Sales returns and allowances..................... € 14,000 Sales discounts .......................................... 7,000 21,000 Net sales...............................................................€ 510,000Cost of goods sold ..................................................... 301,000Gross profit from sales .............................................. € 209,000Operating expenses:...................................................Selling expe nses................................................... € 117,000General and administrative expenses................... 109,000Total operating expenses ..................................... 226,000 Loss from operations ........................................... € 17,000Other revenues and expenses:..............................Interest expense (750)Netloss ................................................................ ...... € 17,750Question 6(b)Part aPERRY SALESWork Sheetfor year ended December 31, 20X5UnadjustedTrial BalanceAdjustmentsStatement ofComprehensiveIncomeStatement ofFinancial Positionand Statement ofChanges inOwner’s EquityAccountDebit Credit Debit Credit Debit Credit Debit Credit Cash 13,000 13,000Merchandise inventory 1,000 1,000Prepaid selling expenses 4,000 2,000 2,000 Equipment 20,000 20,000Accumulated depreciation, equipment 4,500 4,500 Accounts payable 6,000 6,000Salaries payable 0 1,600 1,600Deborah Perry, capital 22,800 22,800Deborah Perry, withdrawals 1,800 1,800Sales 429,000 429,000Sales returns and allowances 16,500 16,500Sales discounts 4,000 4,000Cost of goods sold 211,000 211,000Sales salaries expense 47,000 1,600 48,600Utilities expense, store 14,000 14,000Other selling expenses 35,000 2,000 37,000Other administrative expenses 95,000 95,000Totals 462,300 462,300 3,600 3,600 426,100 429,000 37,800 34,900Net Income 2,900 2,900Totals 429,000 429,000 37,800 37,800Financial Accounting Fundamentals Review material 4 10Financial Accounting Fundamentals Review material 4 11Part bPERRY SALESStatement of Comprehensive Incomefor year ended December 31, 20X5 Sales............................................................... € 429,000Less: Sal es returns and allowances............... € 16,500Sales discounts .................................... 4,000 20,500Net sales......................................................... € 408,500Cost of goods sold ......................................... 211,000 Gross profit from sales .................................. € 197,500 Operating expenses:Selling expenses:Sales salaries expense .......................... € 48,600Utilities expense, store ......................... 14,000Other selling expenses ......................... 37,000Total selling expenses .......................... € 99,600General and administrative expenses: ..... 95,000Total operating expenses ......................... 194,600Net income..................................................... €2,900Part cClosing entries20X5Dec. 31 Sales ..................................................... 429,000Income Summary............................ 429,000To close sales.31 Income Summary.................................. 426,100Sales Returns and Allowances........ 16,500Sales Discounts............................... 4,000Cost of Goods Sold......................... 211,000Sales Salaries Expense.................... 48,600Utilities Expense............................. 14,000Selling Expenses............................. 37,000Administrative Expenses ................ 95,000To close temporary debit balance accounts.31 Income Summary.................................. 2,900Deborah Perry, Capital ................... 2,900To close the Income Summary account to capital.31 Deborah Perry, Capital ......................... 1,800Deborah Perry, Withdrawals .......... 1,800To close withdrawals to capitalFinancial Accounting Fundamentals Review material 4 12Question 7Scout Systems Scout Systems1. Periodic PerpetualNov. 1 Purchases..................................... 1,400 Merchandise Inventory................ 1,400Accounts Payable ................ 1,400 Accounts Payable ................ 1,400 To record purchases onaccount.To record merchandiseacquisitions on account.2.Nov. 5 Accounts Payable ........................ 1,400 AccountsPayable ........................ 1,400Purchases Discount.............. 28 Merchandise Inventory.. (28)Cash..................................... 1,372 Cash..................................... 1,372To record cash payment withindiscount period.To record cash payment withindiscount period.3.Nov. 7 Cash (98)Cash (98)Purchases Returns andAllowances .....................98 Merchandise Inventory........To record cheque received for98To record cheque received forreturn of purchases previouslypaid for with discount alreadytaken.return of merchandisepreviously paid for withdiscount already taken.4.Nov. 10 Transportation-In......................... 80 Merchandise Inventory. (80)Cash (80)Cash (80)To record payment of freightcharges.To record payment of freightcharges.5.Nov. 13 Accounts Receivable ................... 1,500 Accounts Receivable................... 1,500Sales .................................... 1,500Sales .................................... 1,500To record sale of merchandiseon credit.To record sale of merchandiseon credit.13 Cost of Goods Sold (750)Merchandise Inventory (750)To record cost of merchandisesold.6.Nov. 16 Sales Returns and Allowances .... 200 Sales Returns and Allowances .. (200)Accounts Receivable ........... 200 Accounts Receivable .. (200)To record return of merchandisebought on account.To record return of merchandisebought on account.16 Merchandise Inventory (100)Cost of Goods Sold (100)To record return of merchandiseby customer.Financial Accounting Fundamentals Review material 4 13Question 8Ethics Challenge1. Some students may feel that Claire has devised a clever way to save money. Sheappears to be succeeding in getting something for free. Other students will feel thatClaire is definitely abusing the system and that her ethical code needs a major review.However, it is important to point out that customer abuses such as Claire’s usuallyresult in stores adopting stringent return policies that will impact all customers whohave legitimate needs to return unused products. At some point, Clairewill probablysuffer discomfort when questioned about items that are returned in less than perfectcondition. Also, if st ore managers suspect Claire’s behaviour over time, they may nolonger allow her to shop at their store. If Claire is banned from the store, she willlikely suffer humiliation for herself and her family. Claire’s parents probably do notknow of her scheme and she may suffer additional consequences once they learn ofher practices.2. The store must account for sales returns using a contra-revenue account called Salesreturns and allowances. A dress returned with a sales bill of €100 would be accountedfor as follows (assume the cost of sales was 60% or €60 and that the dress wasreturned to inventory):Sales returns and allowances (100)Accounts receivable (100)Cost of goods sold (60)Merchandise inventory (60)If the dress were not returned to inventory, the second entry would not be required.Financial Accounting Fundamentals Review material 5 1。

paypal规则

如果您违反本协议、“PayPal合理使用规则”或您与PayPal达成的任何其他协议，我们可以停止、暂停或限制您对账户或PayPal服务的访问，并（或）限制您对资金的使用。
您个人需全权负责了解并遵守您所在司法辖区与使用PayPal服务相关的任何及所有法律、法规及规则。PayPal服务包括但不限于与进出口活动、税收或外汇交易相关的服务。
PayPal并非通过此协议招揽客户，并且也不针对任何国家/地区或市场。
1. 付款服务和资格
1.1 付款服务。PayPal是付款服务提供商，作为付款服务提供商，通过网络为您创建、代管、维护和提供我们的PayPal服务。我们的服务允许您向任何拥有PayPal账户的收款人发送付款，以及在提供收款服务的国家或地区接收付款。PayPal提供的服务因国家或地区而异。点击此处，查看在您所居住的国家或地区提供的服务。
日元：￥999.00 JPY
墨西哥新比索： $39.99 MXN
币种金额
新西兰元： $9.99 NZD
挪威克朗： 29.99 NOK
菲律宾比索： 499.99 PHP
波兰兹罗提： 19.99 PLN
新加坡元： $9.99 SGD
瑞典克朗： 34.99 SEK
币种金额
澳元： $9.99 AUD
巴西雷亚尔： R$7.99 BRL
加元： $3.99 CAD
捷克克郎： 99.99 CZK
丹麦克朗： 24.99 DKK
欧元： €3.99 EUR
港币： $49.99 HKD
匈牙利福林： 999.00 HUF
以色列新谢克尔： 15.99 ILS
c.信息更新。如果您的信用卡号码或失效日期发生变化，我们可以从我们的金融服务合作伙伴那里获得此信息并更新您的账户。

酒店专用英语

Banquet 宴会
Sub－Total 小计
Allowance 补贴
Cash 现金
Total 合计
Accountin g Departme nt 财务部
Summary 汇总单
Balance 平衡/余额
Amount 金额
General Cashier 总出纳
Cancellati on 取消
Cash Paid Out 现金付出
Flat Rate
平价房费
F.I.T =Frequent Individual Traveler 散客
Forecast
预测
Front Of The House 前线部门
Function Room
多功能餐厅
Master Folio 住店客人总数
Master Key 万能钥匙
Minutes
会议记录
Memoran dum 公函/备忘录
换台
Change Of Cover 人数改变
Change Of Item 品种改变 Cancellati on Of Guest Check 客人帐单取消
Name Of Cigar 香烟名称
Opening Stock 领货
Store Issued 库存量
No Of Racks Sold 销售多少盒
Laundry Voucher 洗衣单
Valet Voucher 熨洗单
Fax Voucher
传真单
Business Center Voucher 商务中心收费单
Telex Voucher
电传单
Traffic Voucher
交通单
Pre-Check System 预先检查系统

德意志银行(中国)有限公司赴德留学保证金账户开立常见问题

赴德留学保证金账户开立常见问题一 . 开户1．开户申请可否由亲属或朋友代办？答：不可以代办。

因为我行有替德国分行核实开户者本人身份和确认开户者预留签字的工作职责，所以需本人携带护照、身份证及录取通知书的原件及清楚的复印件各一份（护照复印第一页和最后一页，身份证复印正反面）来我行柜台办理。

对于未满18周岁的学生，除上述资料外，还需父母双方携带身份证或护照原件一同前来。

2．德国大学的入学通知书原件暂时还未寄到怎么办？答：由德国学校通过电子邮件发送的PDF版本的入学通知书也可以用来办理开户手续。

3．从德意志银行中文网站（）上自行下载的开户表格可以用来开户吗？答：可以，从该网站上下载的表格可自行打印填写用于开户。

4．去德国留学的时间不满一年或获得部分奖学金的如何办理开户手续？答：留学时间不满一年或有部分奖学金的留学生，请在跟签证使馆确认所需冻结条款的前提下，除基本开户材料外还需携带奖学金证明的原件及复印件（适用于有部分奖学金的开户申请者）。

在办理开户前告知我行柜台工作人员，以领取相应冻结条款表格进行填写。

注：所有此类特殊条款的开户手续费为1200元。

5．个人编号就是个人账号吗？答：不是，个人编号是与您的姓名一一对应的识别号，汇款时请在汇款附言中注明完整的个人编号（由一个字母和八位数字组成）和开户学生的姓名。

6．若被拒签或因其他原因不去德国了，开户手续费能退还吗？答：抱歉，个人编号发放后手续费不做退款。

7．在德国的德意志分行已经有个人账户，现需重新办理留学签证所需的资金存款证明，如何办理？答：一般情况下，学生可先致电我行将个人信息（名字拼音、出生日期、账号、开户城市、联系电话）提供给我行，我行向德国分行查询余额及冻结条款，确认余额达到开立证明金额的，我行会电话通知学生本人前来办理，查询一般需要两到三个工作日。

请提前保证资金到位并预留出查询的时间。

办理时需本人携带护照、身份证、录取通知书和银行卡的原件及清楚的复印件各两份（护照复印第一页和最后一页，身份证复印正反面）来我行柜台办理。

核准类账户变更流程

核准类账户变更流程英文回答：Approval Account Change Process.Prerequisites:Ensure that the account change request is supported by a valid business reason.Obtain necessary approvals from relevant stakeholders.Gather all required documentation, including:Completed account change request form.Supporting evidence for the business reason.Impact assessment and mitigation plan.Steps:1. Submit Account Change Request: Submit the completed form to the designated approval authority.2. Review and Approval: The approval authority will review the request and supporting documentation. They will assess the rationale for the change and its potential impact.3. Communication: Once approved, the approval authority will communicate the decision to the requestor and relevant stakeholders.4. Implementation: The requestor is responsible for implementing the account change according to the approved plan.5. Monitoring: Track the progress of the account change and address any issues that arise.6. Documentation: Maintain appropriate documentation ofthe account change process, including approvals, communications, and implementation details.Additional Considerations:Account changes should not be made without proper authorization.It is important to minimize disruption and ensure data integrity during the change process.Regular audits should be conducted to ensure compliance and accuracy.中文回答：核准类账户变更流程。

银行授权书模板_英语

[Your Name][Your Address][City, State, ZIP Code][Email Address][Phone Number][Date][Bank Name][Bank Address][City, State, ZIP Code]Dear Sir/Madam,I, [Your Full Name], [Your Title/Position], acting on behalf of [Your Company Name], hereby authorize the following transactions and actions to be carried out by [Bank Name] on my behalf.General Authorization Details:1. Type of Account: [Please specify the type of account, e.g., savings, checking, credit card, etc.]2. Account Number: [Please provide the account number associated with the transaction.]3. Purpose of Authorization: [Provide a brief description of the purpose of the authorization, e.g., payment of invoices, fund transfer, etc.]Specific Authorizations:1. Payment of Invoices/Expenses:- I authorize [Bank Name] to make payments of invoices or expenses up to the amount of [Specify the maximum amount or specific invoices].- Attach a copy of the invoice(s) or expense list to this authorization letter for reference.2. Wire Transfers:- I authorize [Bank Name] to initiate wire transfers on my behalf to the following accounts:- Recipient Name: [Recipient's Full Name]- Bank Name: [Recipient's Bank Name]- Bank Address: [Recipient's Bank Address]- Account Number: [Recipient's Account Number]- SWIFT Code: [Recipient's SWIFT Code]- The maximum amount for each wire transfer is [Specify the maximum amount or "as needed"].3. Direct Deposits:- I authorize [Bank Name] to accept and process direct deposits into my account from the following entities:- Company Name: [Name of the Company]- Payment Frequency: [Specify the frequency, e.g., monthly, quarterly, etc.]- Amount: [Specify the amount or "as agreed upon"]4. Check Issuance:- I authorize [Bank Name] to issue checks on my behalf for the following purposes:- Payments to vendors and suppliers- Salary and wages for employees- Miscellaneous expenses- Attach a check requisition form or list of checks to be issued for reference.5. Signatures and Signatures Cards:- I authorize [Bank Name] to accept and process signatures and signatures cards from me and my authorized representatives for transactions and activities related to my account.Conditions and Limitations:- This authorization is valid until [Specify the expiration date] or until it is revoked in writing.- Any transactions or actions performed by [Bank Name] under this authorization must comply with all applicable laws and regulations.- I am responsible for any and all transactions or actions performed by [Bank Name] under this authorization.- Any changes or modifications to this authorization must be made in writing and signed by me.Identification and Verification:- I understand that [Bank Name] may request additional identification or verification to ensure the authenticity of this authorization.- I agree to provide any and all necessary documentation upon request.I hereby certify that the information provided in this authorization letter is true and accurate to the best of my knowledge.Signature:_________________________[Your Full Name][Your Title/Position][Your Company Name][Date of Signature]Attachments:- Copies of relevant invoices or expense lists- Check requisition form or list of checks- Any other supporting documentsPlease retain this authorization letter for your records and do not send it with the payment or transaction. If you have any questions or require further information, please do not hesitate to contact me at [Your Email Address] or [Your。

大学生如何明智的使用在线征贷服务英语作文

大学生如何明智的使用在线征贷服务英语作文全文共10篇示例，供读者参考篇1Yo, guys! Do you know how to use online loan services wisely when you are in college? Well, I got some tips for ya!First things first, make sure to do your research before borrowing any money. Check out different loan options and compare interest rates and repayment terms. You don't want to end up with a loan that has crazy high interest rates and fees.Next, only borrow what you need. Don't go crazy and borrow more money than you actually need. Remember, you have to pay it back eventually! So be smart and only borrow what you absolutely need.Also, make sure to read the fine print. I know it can be boring, but you want to know exactly what you are getting yourself into before signing on the dotted line. Make sure you understand all the terms and conditions of the loan.And lastly, create a budget and stick to it. Know how much money you have coming in and going out each month. Beresponsible with your spending and make sure you have enough money to pay back your loan on time.So there you have it, guys! Follow these tips and you'll be using online loan services like a pro in no time. Stay smart and responsible with your money, and you'll be on your way to financial success in no time!篇2As a college student, it's important to be smart about using online loan services. Here are some tips to help you make wise decisions:1. Only borrow what you need: It can be tempting to take out a large loan to pay for things you want, but it's important to only borrow what you need. This will help you avoid accumulating too much debt that you may struggle to repay later on.2. Compare interest rates: Before choosing a loan provider, make sure to compare the interest rates offered by different companies. This will help you find the best deal and save money in the long run.3. Read the terms and conditions: Before agreeing to a loan, make sure you understand the terms and conditions. Pay attention to things like repayment terms, fees, and any penalties for late payments. It's important to know exactly what you're signing up for.4. Budget wisely: Once you've taken out a loan, make sure to budget your money wisely. Avoid unnecessary expenses and prioritize paying off your loan. This will help you avoid falling into a cycle of debt.5. Seek financial advice: If you're unsure about taking out a loan or managing your finances, don't hesitate to seek advice from a financial advisor or counselor. They can help you make informed decisions and avoid making costly mistakes.Remember, borrowing money is a serious responsibility. By being smart and cautious, you can use online loan services to your advantage without getting into financial trouble.篇3Hey guys, do you know what online lending services are? Well, they are like a magic bank where you can borrow money without even going to the bank! But wait, before you get allexcited about it, let me tell you how to use online lending services wisely as a college student.First of all, you need to be responsible with your money. Just because you can borrow money easily online doesn't mean you should borrow more than you can afford to pay back. Always make a budget and stick to it, so you don't end up in debt.Secondly, do your research before choosing an online lending service. Not all lenders are the same, so compare different options and choose the one that offers the best terms and interest rates. You don't want to end up paying more than you have to.Also, make sure to read the terms and conditions carefully before agreeing to any loan. You need to understand how much you will be paying back and when the payments are due. Don't just blindly accept the loan without knowing what you're getting into.Lastly, only borrow what you really need. Don't use online lending services as a quick fix for all your financial problems. Remember, you will have to pay back the money eventually, so only borrow what is necessary.In conclusion, online lending services can be a great tool for college students, but it's important to use them wisely. Be responsible with your money, do your research, read the terms and conditions, and only borrow what you need. By following these tips, you can make the most out of online lending services without getting into financial trouble. So go ahead, borrow money online, but do it smartly!篇4Hey guys, do you know what online lending services are? Well, let me tell you all about it. Online lending services are a way for college students to borrow money easily and quickly through the internet. It sounds cool, right? But wait, before you rush into using these services, there are a few things you need to know to make sure you use them wisely.First of all, always remember to borrow only what you need. It can be very tempting to borrow more money than you actually need, but trust me, you'll regret it later when you have to pay it all back with interest. So, be smart and borrow only what you absolutely need to cover your expenses.Secondly, make sure to read the terms and conditions carefully before you borrow any money. You need to know howmuch you'll be charged in interest and fees, how long you have to pay it back, and what will happen if you're late with your payments. Understanding these things will help you avoid any surprises later on.Next, always compare different online lending services to find the best one for you. Some services may have lower interest rates or better repayment terms than others, so do your research and choose the one that works best for your situation.Lastly, never borrow money from online lending services if you're not sure you can pay it back. It's important to be responsible with your finances and only borrow what you know you can afford to repay. Trust me, you don't want to end up in a cycle of debt that's hard to break free from.So there you have it, guys. Remember to be smart and cautious when using online lending services, and you'll be able to borrow money wisely and avoid any financial pitfalls. Good luck!篇5Hey guys, today I want to talk about how college students can use online loan services wisely. It's important to be smartwith your money, especially when it comes to borrowing money. Here are some tips to help you make the right decisions:First, make sure you really need the loan. Don't just borrow money because it's easy to do so. Think about whether you truly need the extra cash and if you can afford to pay it back.Next, do your research. Look into different online loan services and compare their interest rates and fees. Choose a reputable lender with good reviews and a history of helping students.Before you apply for a loan, create a budget. Figure out how much money you need and how much you can afford to pay back each month. Be realistic about your financial situation and don't borrow more than you can handle.When you receive the loan, use it wisely. Don't spend it on unnecessary things like clothes or gadgets. Use it for important expenses like tuition, textbooks, or emergencies.Finally, make sure to pay back the loan on time. Late payments can hurt your credit score and result in extra fees. Stay on top of your payments and contact your lender if you have any issues.Remember, borrowing money is a big responsibility. By being smart and thoughtful about your decisions, you can use online loan services to help you achieve your goals without getting into financial trouble.篇6Title: How College Students Can Wisely Use Online Loan ServicesHey guys, have you ever heard of online loan services? It's like borrowing money from a bank, but you can do it all online! Sounds cool, right? But before you hit that "apply" button, there are a few things you need to know to make sure you're using online loan services wisely.First of all, only borrow what you need. It can be tempting to borrow more money than you really need, but remember, you have to pay it all back with interest! So, think about how much money you actually need and try to stick to that amount.Next, make sure you understand the terms of the loan. Read the fine print and make sure you know things like the interest rate, how long you have to pay back the loan, and any fees that might be involved. You don't want any surprises later on!Also, shop around for the best deal. Just like when you're buying a new toy or a video game, it's important to compare different loan offers to make sure you're getting the best deal. Check out different online loan providers and see which one offers the lowest interest rate and the most favorable terms.Lastly, make sure you have a plan to pay back the loan. It's easy to get caught up in the excitement of getting money quickly, but don't forget that you have to pay it back eventually. Make a budget and figure out how you're going to make those loan payments on time.So, there you have it, guys! Remember, online loan services can be a great tool for college students, but it's important to use them wisely. Stick to these tips and you'll be on your way to financial success in no time. Good luck!篇7As a college student, it's super important to be smart about using online loan services. You know, those websites where you can borrow money and pay it back later? Yeah, those ones. They can be helpful when you need a little extra cash, but you gotta be careful not to get in over your head. Here are some tips to help you use online loan services wisely:1. Do your research: Before you borrow money from any website, make sure you read reviews and check if they're legit. There are a lot of scam sites out there, so be careful.2. Only borrow what you need: It can be tempting to take out a big loan and splurge on things you don't really need, but remember, you have to pay it back with interest. So only borrow what you absolutely have to.3. Read the fine print: Make sure you understand all the terms and conditions before you sign anything. You don't want any surprises later on.4. Pay on time: This is super important. If you miss a payment, you could end up with late fees or even damage to your credit score. So make sure you always pay on time.5. Budget wisely: Before you borrow any money, make sure you have a plan for how you're going to pay it back. Look at your income and expenses and figure out how much you can afford to borrow.Remember, online loan services can be a helpful tool, but only if you use them wisely. So be smart, be careful, and make sure you're making the best decision for your financial future.篇8Hey guys, do you know how to be smart when using online lending services as a college student? Let me tell you some tips on how to use these services wisely.First of all, make sure to do your research before choosing a lending platform. Look for reputable companies with good reviews and customer feedback. Check their interest rates and fees to make sure you are getting a fair deal.Secondly, only borrow what you need and can afford to pay back. It can be tempting to borrow more money than you actually need, but remember that you will have to pay it back with interest. Take into consideration your income and expenses before taking out a loan.Thirdly, read the terms and conditions carefully before agreeing to anything. Make sure you understand all the terms of the loan, including the repayment schedule and any penalties for late payments. If you have any doubts, don't hesitate to ask the lending company for clarification.Lastly, always make your loan payments on time. Late payments can negatively impact your credit score and result in additional fees. Set up reminders or automatic payments to ensure you don't miss any deadlines.In conclusion, online lending services can be a convenient way to borrow money, but it's important to use them responsibly. By following these tips, you can make sure that you are using these services wisely and avoiding any unnecessary financial stress.篇9Title: How College Students Can Wisely Use Online Loan ServicesHey friends! Today, let's talk about how us college students can be wise when using online loan services. You know, it's super important to be smart with our money and not get into debt that we can't handle.First of all, before you even think about getting a loan online, make sure you really need it. Don't just borrow money because you want to buy something cool or go on a fancy trip. Loans should be for necessities, like paying for tuition or emergency expenses.Next, do your research before choosing a loan service. Make sure to read the terms and conditions carefully so you know exactly what you're getting into. Look for a service that has lowinterest rates and reasonable repayment terms. You don't want to end up owing more money than you can afford to pay back.Once you've taken out a loan, be sure to budget your money wisely. Make a plan for how you'll use the loan and stick to it. Don't spend the money on things that aren't necessary. Remember, you'll have to pay it back eventually, so be responsible.Lastly, always make your loan payments on time. Late payments can hurt your credit score and make it harder for you to borrow money in the future. If you're having trouble making payments, talk to your loan service provider. They may be able to work out a different payment plan with you.So, there you have it, friends. By being smart and responsible with online loan services, we can avoid getting into financial trouble and set ourselves up for success in the future. Stay smart, stay safe, and happy borrowing!篇10Title: How College Students Can Wisely Use Online Loan ServicesHey everyone, today I want to talk about how us college students can be smart when using online loan services. It's super important to be responsible with our money, so let's learn some tips together!First of all, make sure to only borrow what you really need. It can be tempting to take out a big loan, but remember that you'll have to pay it back with interest. So, think carefully about how much money you actually need for things like tuition, books, or emergency expenses.Next, do your research before choosing a loan. There are so many different options out there, from federal loans to private loans to payday loans. Each one has different terms and interest rates, so it's important to compare them and find the best one for you.Another tip is to read the fine print. I know it's boring, but it's so important to understand all the terms and conditions of your loan. Make sure you know how much you'll have to pay back each month, when the payments are due, and what happens if you can't make a payment.Finally, always budget your money wisely. Make a plan for how you'll spend your loan money and try to stick to it. Avoid unnecessary expenses and save money where you can.Remember, the goal is to pay back your loan on time and without any extra fees.So, let's all be smart with our money and use online loan services wisely. By following these tips, we can avoid financial stress and focus on our studies instead. Let's go, college students!。

财务英文邮件常用语有哪些

财务英文邮件常用语有哪些在现代商务沟通中，邮件是一种常用的工具，尤其在财务领域的沟通中，英文邮件更是常见的形式。

适当运用恰当的财务英文邮件常用语，不仅能提高沟通效率，还能给人留下良好的印象。

本文将介绍一些常用的财务英文邮件常用语。

1. 开门见山的开头- I am writing to inquire about...- I am writing to inform you that...- I am contacting you regarding...- Further to our previous conversation...- First of all, I would like to apologize for...2. 请求付款- Please find attached the invoice for the amount of...- Could you please provide the payment by...- We kindly request your prompt payment within...- We would greatly appreciate it if you could settle the outstanding balance by...3. 建议付款方式- We recommend paying by bank transfer.- We suggest using PayPal for the payment.- It would be advisable to pay by credit card.4. 确认款项收到- We acknowledge the receipt of the payment.- We have received the amount in question.- Thank you for the payment, which has been received and processed.5. 询问付款延期- We are facing some cash flow issues and would like to request a payment extension.- Due to unforeseen circumstances, we kindly ask for an extension for the payment deadline.- Is it possible to extend the payment deadline for...?6. 回复延期请求- We understand the situation and are willing to grant an extension until...- We can allow an extension of... days for the payment to be made.- We have reviewed your request and unfortunately cannot grant an extension.7. 查询账户余额- Could you please provide an update on our account balance?- We would like to know the current status of our account.- Can you verify the amount in our account as of...?8. 向供应商询价- We are interested in purchasing [product/service] and would like to inquire about the price.- Could you please provide a quotation for [product/service]?- Can you send us a price list for your products?9. 同意报价- We are pleased to accept the quotation you provided.- Your proposal is well within our budget, and we would like to proceed with the order.- The price you offered is satisfactory, and we would like to move forward with the purchase.10. 询问订单状态- Could you please provide an update on the status of our order?- We are eager to know when we can expect the delivery of our order.- Can you confirm if our order has been shipped?11. 提醒过期款项- We would like to remind you that the payment for the invoice is now overdue.- Please note that the payment for the invoice dated... is still outstanding.- It has come to our attention that the payment for the invoice has not been made.12. 建议开展合作- We would like to explore the possibility of a mutually beneficial collaboration.- We believe that a partnership between our companies would be advantageous for both parties.- It would be in our best interest to establish a business relationship with your company.以上是一些财务英文邮件常用语，可以根据具体情况进行灵活运用。

银行预留法人变更流程英文

银行预留法人变更流程英文The process of changing the reserved legal person in a bank usually follows the following steps:1. Application submission: The bank will require the legal person to complete an application form for changing the reserved legal person. This form will include details such as the current legal person, the new legal person, their contact information, and supporting documents.2. Document verification: The bank will verify the submitted documents to ensure they are complete and authentic. This may include verifying the identity of the current legal person and the new legal person.3. Approval: Once the documents are verified, the bank will review the application and either approve or reject it. If approved, the bank will proceed with the next steps.4. Account update: The bank will update its records to reflect the change in the reserved legal person. The new legal person will be granted access to the account and given the necessary account information.5. Communication: The bank will inform the legal person of thesuccessful change and provide any relevant information or documents.It is important to note that the specific requirements and process may vary depending on the bank and the country's regulations. It is advisable to consult the bank directly for accurate and up-to-date information on the process.。

开户申请书英文版的作用

开户申请书英文版的作用English: The purpose of an account opening application form is to collect relevant information from individuals or businesses who want to open a new account with a bank, brokerage firm, or any other financial institution. This form serves as a legal document that establishes the relationship between the account holder and the institution and provides essential details for conducting due diligence and complying with regulatory requirements. The information collected in the application form typically includes personal or business details, such as name, address, contact information, identification documents, occupation or business type, and financial background. This information helps the institution verify the identity of the applicant, assess their risk profile, and ensure compliance with anti-money laundering (AML) and know-your-customer (KYC) regulations. Additionally, the application form may also include sections related to the type of account being opened, such as checking, savings, or investment accounts, and specific services or features requested by the applicant. By completing the form, applicants provide consent for the institution to access their credit history and conduct necessary backgroundchecks. Through this process, the account opening application form plays a crucial role in establishing a transparent and compliant banking relationship while safeguarding against potential financial crimes or fraudulent activities.中文翻译: 开户申请书的作用是从个人或企业收集相关信息，他们希望与银行、证券公司或其他金融机构开立新账户。

临时更改账号的情况说明范文

临时更改账号的情况说明范文英文回答：Temporary Account Change Request.I am writing to request a temporary change to my account due to [reason for request]. I understand that this is a non-standard request, but I hope that you will consider my circumstances and grant my request.I have been a loyal customer of [company name] for [number] years and have always been satisfied with your services. I am a [job title] at [company name] and I use my account to [list of activities].[Describe the reason for the account change in detail.]I understand that this is a non-standard request, but I believe that my circumstances warrant an exception. I am a hard-working and dedicated employee who is always willingto go the extra mile. I am confident that I will continue to be a valuable asset to your company even with this temporary change to my account.I would be grateful if you would consider my request. Thank you for your time and consideration.中文回答：账户临时变更申请。

汇款申请表英语作文

汇款申请表英语作文 Title: Remittance Application Form。

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Remittance Application Form。

Applicant Information:Name: [Your Name]Address: [Your Address]Contact Number: [Your Contact Number] Email: [Your Email Address]Recipient Information:Name: [Recipient's Name]Address: [Recipient's Address]Contact Number: [Recipient's Contact Number]Bank Name: [Recipient's Bank Name]Bank Address: [Recipient's Bank Address]Bank Account Number: [Recipient's Bank Account Number] SWIFT Code: [Recipient's Bank SWIFT Code]Remittance Details:Amount: [Amount to be Remitted]Currency: [Currency Type]Purpose of Remittance: [Reason for Remittance]Relationship with Recipient: [Your Relationship withRecipient]Date of Remittance: [Date of Remittance]Declaration:I, [Your Name], declare that the information provided above is true and accurate to the best of my knowledge. I understand that any false information may result in delays or complications in the remittance process. I also authorize the transfer of the specified amount to the recipient mentioned above.Signature:[Your Signature]Date:[Date of Application]---。

银行账户授权书英语版

[Your Name][Your Address][City, State, ZIP Code][Email Address][Phone Number][Date][Bank Name][Branch Address][City, State, ZIP Code]Subject: Authorization to Access and Manage Bank AccountDear Sir/Madam,I, [Your Full Name], hereby authorize [Authorized Person's Full Name] to access and manage my bank account, account number [Account Number], held at [Bank Name] branch located at [Branch Address].The purpose of this authorization is to grant [Authorized Person's Full Name] the authority to perform the following actions on my behalf:1. Withdraw funds: [Authorized Person's Full Name] is authorized to withdraw funds from my bank account as necessary for [Specify the purpose of withdrawal, e.g., paying bills, purchasing goods, etc.]. The maximum amount that [Authorized Person's Full Name] can withdraw in any given transaction is [Specify the maximum amount, e.g., $10,000].2. Deposit funds: [Authorized Person's Full Name] is authorized to deposit funds into my bank account as necessary for [Specify the purpose of deposit, e.g., receiving payments, transferring funds, etc.]. The maximum amount that [Authorized Person's Full Name] can deposit in any given transaction is [Specify the maximum amount, e.g., $5,000].3. View account information: [Authorized Person's Full Name] is authorized to view my bank account statements, transaction history, and other account-related information for the purpose of [Specify the purpose, e.g., managing the account, ensuring accurate records, etc.].4. Make electronic transfers: [Authorized Person's Full Name] is authorized to initiate electronic transfers from my bank account toother accounts, including but not limited to [List any specific accounts or institutions, if applicable]. The maximum amount that [Authorized Person's Full Name] can transfer in any given transaction is [Specifythe maximum amount, e.g., $20,000].5. Settle outstanding debts: [Authorized Person's Full Name] is authorized to settle any outstanding debts or obligations on my behalf, including but not limited to [List any specific debts or obligations, if applicable]. The maximum amount that [Authorized Person's Full Name] can settle in any given transaction is [Specify the maximum amount, e.g., $15,000].I understand that this authorization is valid until [Specify the expiration date or the event that will terminate the authorization, e.g., my written revocation, the termination of my employment with [Authorized Person's Full Name], etc.]. Should I wish to revoke this authorization, I will provide [Bank Name] with written notice at least [Specify the notice period, e.g., 30 days] prior to the effective date of revocation.I confirm that I have reviewed the above authorization and understandthe implications of granting [Authorized Person's Full Name] access to my bank account. I am aware that any actions taken by [AuthorizedPerson's Full Name] under this authorization will be deemed as my own actions, and I will be solely responsible for any liabilities or obligations incurred as a result of such actions.Please retain this authorization letter for your records, and feel free to contact me at [Your Email Address] or [Your Phone Number] if you require any further information or clarification.Sincerely,[Your Signature] [Your Printed Name]。