第四章 商业银行和服务
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银行接受存款并提供贷款服务，相应的从 存贷利差中获取利润。
• Banks also charge fees for services like checking, ATM access and overdraft protection.
银行对所提供的服务也收取费用如提供支 票,自动柜员机存取和透支保护等。
Reading Comprehension
• How many departments are in a bank? • What’s the responsibility of each department?
• Banking Operations
• • • •
Collateral 担保品 Pledge 抵押 Mortgage loan 抵押按揭贷款 General Ledger Department 总帐部门
课文难句理解
• Commercial banks are banking institutions that are geared more toward the lending of money to customers, rather than focusing on generating or raising money.
letter of credit
• 信用证是一种开证银行根据申请人（进口 方）的要求和申请，向受益人（出口方） 开立的有一定金额、在一定期限内凭汇票 和出口单据，在指定地点付款的书面保证。 信用证是开证行向受益人作出的付款承诺， 使受益人有了收款的保障，因此是对受益 人有利的支付方式。
• Guarantee 担保 • performance bonds 履约保函
Debt Consolidation Loans 债务合并贷款
• 是将债务人多项负债捆绑起来，组合为一 笔新贷款统一偿还。由此，债务人每月只 需面对一个债权人，偿还一笔能够负担的 还款额。对于那些信用卡透支严重和有多 项贷款等待偿还，甚至已经走到破产的边 缘的人来说，债务合并贷款是一个很好的 选择。
4、What account does the customer choose? A. a savings account B. a fixed account C. a checking account D. a current account
4、What account does the customer choose? A. a savings account B. a fixed account C. a checking account D. a current account
Test 3- Section C
1、Why does the customer come to the bank? A. He wants to make a deposit. B. He wants to draw some money. C. He wants to open an account.. D. He wants to cash his traveler's cheque.
Bank Services
• Bank services can be broadly classified as follows: (1) individual banking, (2) institutional banking, and (3) global banking.
银行服务大致可分为三类：①零售银行业 务；②机构银行业务；③全球银行业务。
• The type of business loans that would be offered by a commercial institution would include funds to finance a payroll or to purchase operating supplies. • 这种由商业银行提供的企业贷款包括为企 业工资薪酬发放或者购买营业用品提供资 金。
• A commercial bank may also extend a personal loan to an individual for home improvements or to consolidate a number of personal debt instruments. • 商业银行可以为个人房屋改善或者合并一 系列的个人债务工具提供贷款。
Promissory note
• 本票是一个人向另一个人签发的，保证即 期或定期或在可以确定的将来的时间，对 某人或其指定人或持票人支付一定金额的 无条件书面承诺。
• Because a loan can contain many hidden costs such as interest payments and finance charges, many people tend to avoid applying for on until it becomes absolutely necessary. • 因为贷款包含了许多诸如利息支付和财务 费用的隐性成本，因此除非万不得已，许 多人通常不愿意申请。
• A loan is a financial transaction in which one party (lender) agrees to give another party (the borrower) a certain amount of money with the expectation of total repayment. • 贷款是一种金融交易，在该交易中，一方 （贷款人）同意给与另一方（借款人）未 来需要全额偿付的一定数量的资金。
• A commercial bank accepts deposits to personal and corporate accounts, and then uses the combined strength of the deposits to finance loans for individuals and businesses. • 商业银行接受个人和企业帐户的存款，然 后运用筹集的资金为个人和企业提供贷款。
2、Does the customer have an account with the bank? A. Yes, he has a savings account. B. No, he doesn't have any account. C. Yes, he has a current account. D. Yes, he has a fixed account.
• telegraphic transfer 电汇 • EFTPOS (Electronic Funds Transfer at Point of Sale) 电子转账 • bank drafts 银行汇票 • bank cheques 银行支票
• • • •
term deposit 定期存款 overdraft 透支 installment loan 分期付款 documentary and standby letter of credit 跟单备用信用证
3、Which account will get a higher interest rate? A. a current account B. a checking account C. a fixed account D. all of above
3、Which account will get a higher interest rate? A. a current account B. a checking account C. a fixed account D. all of above
1、Why does the customer come to the bank? A. He wants to make a deposit. B. He wants to draw some money. C. He wants to open an account.. D. He wants to cash his traveler's cheque.
• gear towards sth 使适合于，满足于 e.g.The course had been geared towards the specific needs of its members. 课程已作调整，以满足学员的特别需要。
参考译文： • 商业银行更多的是向客户提供贷款而非专 注于产生或筹集资金的金融机构。
How do banks make money?
• Banks accept deposits and make loans and derive a profit from the difference in the interest rates paid and charged, respectively.
performance bonds
• 履约保函是指招标人和中标的投标人在签 订合同后，中标人必须向招标人提供银行 开立的履约保函，金额一般为合同金额的 10％－15％，以确保承包人按合同条款履 约。否则，由银行负责赔偿一定金额，最 高不超过履约保函的总金额。
• securities underwriting commitments 证券包销/承销 • off balance sheet 表外 • safe deposit boxes （银行的）保管箱 • distribution 分销 • brokerage 经纪业务
• unit trusts 单位信托基金 • financial supermarket 金融超市 • services of loans granted by commercial banks 商业银行提供的贷款服务
• grant 同意，准予，允许 e.g. The bank finally granted a £500 loan to me. 银行终于同意给我贷款 500 英镑。 e.g. My request was granted. 我的请求得到批准。 e.g. She was granted a divorce. 她获准离婚。
Chapter 4
Commercial Banks and Services
What is a bank?
• A bank is an institution that deals in money and provides other financial services.
银行是一个经营货币并提供金融服务的机 构。
2、Does the customer have an account with the bank? A. Yes, he has a savings account. B. No, he doesn't have any account. C. Yes, he has a current account. D. Yes, he has a fixed account.
美国常用的几种银行账户
• checking account 支票帐户，无利息或低息。 • saving account 储蓄帐户，利息比支票账 户高，相当于中国的活期存款账户。 • time deposit account 定期存款账户,提前 取款有罚款的帐户。
Listening- Time Deposits
Comprehension of the Text
1. What the commercial banks are? 2. What the role of commercial banks is? 3. What is a loan? 4. How many types of loans granted by commercial banks? 5. What is a checking account? 6. What is a saving account?
• Banks also charge fees for services like checking, ATM access and overdraft protection.
银行对所提供的服务也收取费用如提供支 票,自动柜员机存取和透支保护等。
Reading Comprehension
• How many departments are in a bank? • What’s the responsibility of each department?
• Banking Operations
• • • •
Collateral 担保品 Pledge 抵押 Mortgage loan 抵押按揭贷款 General Ledger Department 总帐部门
课文难句理解
• Commercial banks are banking institutions that are geared more toward the lending of money to customers, rather than focusing on generating or raising money.
letter of credit
• 信用证是一种开证银行根据申请人（进口 方）的要求和申请，向受益人（出口方） 开立的有一定金额、在一定期限内凭汇票 和出口单据，在指定地点付款的书面保证。 信用证是开证行向受益人作出的付款承诺， 使受益人有了收款的保障，因此是对受益 人有利的支付方式。
• Guarantee 担保 • performance bonds 履约保函
Debt Consolidation Loans 债务合并贷款
• 是将债务人多项负债捆绑起来，组合为一 笔新贷款统一偿还。由此，债务人每月只 需面对一个债权人，偿还一笔能够负担的 还款额。对于那些信用卡透支严重和有多 项贷款等待偿还，甚至已经走到破产的边 缘的人来说，债务合并贷款是一个很好的 选择。
4、What account does the customer choose? A. a savings account B. a fixed account C. a checking account D. a current account
4、What account does the customer choose? A. a savings account B. a fixed account C. a checking account D. a current account
Test 3- Section C
1、Why does the customer come to the bank? A. He wants to make a deposit. B. He wants to draw some money. C. He wants to open an account.. D. He wants to cash his traveler's cheque.
Bank Services
• Bank services can be broadly classified as follows: (1) individual banking, (2) institutional banking, and (3) global banking.
银行服务大致可分为三类：①零售银行业 务；②机构银行业务；③全球银行业务。
• The type of business loans that would be offered by a commercial institution would include funds to finance a payroll or to purchase operating supplies. • 这种由商业银行提供的企业贷款包括为企 业工资薪酬发放或者购买营业用品提供资 金。
• A commercial bank may also extend a personal loan to an individual for home improvements or to consolidate a number of personal debt instruments. • 商业银行可以为个人房屋改善或者合并一 系列的个人债务工具提供贷款。
Promissory note
• 本票是一个人向另一个人签发的，保证即 期或定期或在可以确定的将来的时间，对 某人或其指定人或持票人支付一定金额的 无条件书面承诺。
• Because a loan can contain many hidden costs such as interest payments and finance charges, many people tend to avoid applying for on until it becomes absolutely necessary. • 因为贷款包含了许多诸如利息支付和财务 费用的隐性成本，因此除非万不得已，许 多人通常不愿意申请。
• A loan is a financial transaction in which one party (lender) agrees to give another party (the borrower) a certain amount of money with the expectation of total repayment. • 贷款是一种金融交易，在该交易中，一方 （贷款人）同意给与另一方（借款人）未 来需要全额偿付的一定数量的资金。
• A commercial bank accepts deposits to personal and corporate accounts, and then uses the combined strength of the deposits to finance loans for individuals and businesses. • 商业银行接受个人和企业帐户的存款，然 后运用筹集的资金为个人和企业提供贷款。
2、Does the customer have an account with the bank? A. Yes, he has a savings account. B. No, he doesn't have any account. C. Yes, he has a current account. D. Yes, he has a fixed account.
• telegraphic transfer 电汇 • EFTPOS (Electronic Funds Transfer at Point of Sale) 电子转账 • bank drafts 银行汇票 • bank cheques 银行支票
• • • •
term deposit 定期存款 overdraft 透支 installment loan 分期付款 documentary and standby letter of credit 跟单备用信用证
3、Which account will get a higher interest rate? A. a current account B. a checking account C. a fixed account D. all of above
3、Which account will get a higher interest rate? A. a current account B. a checking account C. a fixed account D. all of above
1、Why does the customer come to the bank? A. He wants to make a deposit. B. He wants to draw some money. C. He wants to open an account.. D. He wants to cash his traveler's cheque.
• gear towards sth 使适合于，满足于 e.g.The course had been geared towards the specific needs of its members. 课程已作调整，以满足学员的特别需要。
参考译文： • 商业银行更多的是向客户提供贷款而非专 注于产生或筹集资金的金融机构。
How do banks make money?
• Banks accept deposits and make loans and derive a profit from the difference in the interest rates paid and charged, respectively.
performance bonds
• 履约保函是指招标人和中标的投标人在签 订合同后，中标人必须向招标人提供银行 开立的履约保函，金额一般为合同金额的 10％－15％，以确保承包人按合同条款履 约。否则，由银行负责赔偿一定金额，最 高不超过履约保函的总金额。
• securities underwriting commitments 证券包销/承销 • off balance sheet 表外 • safe deposit boxes （银行的）保管箱 • distribution 分销 • brokerage 经纪业务
• unit trusts 单位信托基金 • financial supermarket 金融超市 • services of loans granted by commercial banks 商业银行提供的贷款服务
• grant 同意，准予，允许 e.g. The bank finally granted a £500 loan to me. 银行终于同意给我贷款 500 英镑。 e.g. My request was granted. 我的请求得到批准。 e.g. She was granted a divorce. 她获准离婚。
Chapter 4
Commercial Banks and Services
What is a bank?
• A bank is an institution that deals in money and provides other financial services.
银行是一个经营货币并提供金融服务的机 构。
2、Does the customer have an account with the bank? A. Yes, he has a savings account. B. No, he doesn't have any account. C. Yes, he has a current account. D. Yes, he has a fixed account.
美国常用的几种银行账户
• checking account 支票帐户，无利息或低息。 • saving account 储蓄帐户，利息比支票账 户高，相当于中国的活期存款账户。 • time deposit account 定期存款账户,提前 取款有罚款的帐户。
Listening- Time Deposits
Comprehension of the Text
1. What the commercial banks are? 2. What the role of commercial banks is? 3. What is a loan? 4. How many types of loans granted by commercial banks? 5. What is a checking account? 6. What is a saving account?