unit3金融英语讲义教材
最新Book3-Unit3百万英镑公开课课件概要教学讲义PPT课件
Review
Act 1, Scene 3
Act 1, Scene 4
Read through the text quickly and then complete the True or False
questions. Step 4 Fast Reading I
1. The owner looked down upon Henry when T he noticed Henry’s appearance.
The owner's words.
He said “Two y the Bank of England this year. No thief would want that to happen.”
L32 -L33
点拨：细节理解题。从对话中Owner 说的 倒数第六短话可得知。
bank-note, he was happy and proud of it.
事实题：与事实相反
F 3. 4.The owner didn’t believe that the banknote was real and he asked Henry to get
out of the restaur事an实t题. ：与事实相反
Step 4 Fast Reading II
Choose the best words to describe the restaurant owner’s attitudes towards Henry.
① sympathetic (同情的) ② flattering (奉承的)
③ unfriendly
Reserve your strength for the climb. 留点力气准备登山吧。 adj. reserved 预定的, 保留的 reserved seats 预定的座位
金融英语 Unit 3
Background Information
大萧条（The Great Depression）是指1929年至1933年
之间全球性的经济大衰退。大萧条的影响比历史上任何一 次经济衰退都要来得深远。
Background Information
大萧条的普遍影响导致了：
1、提高了政府对经济的政策参与性，即凯恩斯主义； 2、以关税的形式强化了经济的民族主义； 3、激起了作为共产主义替代物的浪漫-极权主义政治运动（如
Text :
3.2 Types of Banks
Banks' activities can be divided into retail banking, dealing directly with individuals and small businesses; business banking, providing services to mid-market business; corporate banking, directed at large business entities; private banking, providing wealth management services to high net worth individuals and families; and investment banking, relating to activities on the financial markets. Most banks are profitmaking, private enterprises. However, some are owned by government, or are non-profit organizations.
《财政金融英语综合教程》Unit 3
03 票汇 D/D
Demand Draft（D/D）：采用票汇时，买方从他的开户行购买银行汇票，
并将汇票邮寄给卖方。卖方或其指定人持此汇票从他所在地的有关银行提取货款。
04 付款交单 D/P
Documents against Payment（D/P）：卖方以买方的付款为条件，即
卖方将汇票连同货运单据交给银行托收时，指示银行只有在买方付清货款后，才 能交出货运单据。按时间不同又分为：即期付款交单：D/P at sight; sight D/P；远 期付款交单：D/P after sight.
付款交单
D/A：Document against Acceptance
承兑交单
to be on the safe side
为慎重起见
11
Useful sentences
1. We only accept payment by L/C.
我们只接受信用证。
2. I hope you would allow us to pay by D/P or D/A. 我希望您能允许我们用付款交单或者承兑交单方式付款。
3. We can’t make exceptions. 我们不能破例。
4. In order to conclude this transaction, how about 50% by L/C, 50% by D/P? 为了完成这项交易，一半用信用证，一半用付款交单怎样？
12
Useful sentences
15
Dialogue 3
16
过渡页
TRANSITION PAGE
Reading
17
New words and expressions
人教版高中英语必修三Unit3全课件
人教版高中英语必修三Unit3全课件一、教学内容1. Reading and Writing: The millionpound bank note（百万英镑）2. Listening and Speaking: Money matters（金钱问题）3. Grammar: Comparative and superlative adjectives（比较级和最高级形容词）4. Vocabulary: Words related to money and finance（与金钱和金融相关的词汇）二、教学目标1. 学生能够理解并掌握文章《百万英镑》的主要内容和细节。
2. 学生能够运用所学词汇和语法知识，就金钱和金融主题进行讨论和表达。
3. 学生能够提高听说能力，学会在日常生活中运用比较级和最高级形容词。
三、教学难点与重点1. 教学难点：比较级和最高级形容词的用法，以及金钱和金融相关词汇的掌握。
2. 教学重点：文章《百万英镑》的理解，以及听说能力的培养。
四、教具与学具准备1. 教具：多媒体课件、黑板、录音机、磁带。
2. 学具：课本、练习本、词典。
五、教学过程1. 导入：通过展示一组与金钱相关的图片，引导学生讨论金钱在日常生活中的重要性。
2. 阅读理解：学生阅读文章《百万英镑》，教师提问并讲解文章细节。
3. 例题讲解：讲解比较级和最高级形容词的用法，并给出例句。
4. 随堂练习：学生完成教材中的练习题，巩固所学知识。
5. 听力训练：播放与金钱相关的听力材料，学生完成练习题。
6. 口语练习：分组进行讨论，运用所学词汇和语法知识，就金钱和金融主题进行表达。
六、板书设计1. 文章《百万英镑》2. 比较级和最高级形容词的用法3. 金钱和金融相关词汇七、作业设计a. 选择题：选出正确的比较级或最高级形容词。
c. 写作：以“金钱观”为主题，写一篇短文。
答案：见教材附录。
八、课后反思及拓展延伸2. 拓展延伸：鼓励学生阅读与金钱和金融相关的课外文章，提高阅读和听说能力。
金融英语课件(unit3)
Types of financial statements
Balance sheet The income statement The statement of owner’s equity Statement of cash flows
ቤተ መጻሕፍቲ ባይዱ
F ro m b a n k Issu in g c e rta in se c u rity T ra d e c re d it a c c ru a ls
Language Points (语言点)：
1. generous adj. 慷 慨 的 ， 大 方 的 generous with one’s money 用钱大方 心地高尚的，无偏见的 a generous mind/spirit 高尚的心， 精神 2. owe v. owe sth. to sb. 欠某人债/将某事物归因或归功于 某人 He owes $50 to his father. 他欠他父亲 $50 。 He owes his success more to luck than to ability.他认为他的 成功靠运气而不是自己能力。 3. allow for sb./sth. 在计算、估计、考虑时包括某人/某事 I will take you half an hour to get to the station, allowing for traffic delays. 把路上的耽搁算进去，你要半小时才能到 车站。
Unit Three Part B Financial Statements
教学目的与要求（Teaching targets）： 1. to help students to understand the purposes, functions and types of financial statements, especially the types of financial statements. 2. to help students to get familiar with the special English words and expressions about financial statements 教学重难点(Emphases and difficult points） some important vocabulary: financial statement ， revenues and expenses，statement of financial position， balance sheet ， income statement ， statement of cash flows ， statement of owner’s equity ， net income ， net loss，capital transaction the types of financial statements. Some important special vocabulary and expressions, eg, balance sheet, income statement, statement of cash flows, net loss, expense/expenditure, as of, revenue/income.
金融英语听说课件unit3banking
Banking business processing
CATALOGUE
02
客户身份验证
账户类型选择
签署协议
账户开通
01
02
03
04
银行工作人员会核实客户的身份信息，以确保账户的安全性。
客户可以根据自己的需求选择合适的账户类型，如储蓄账户、支票账户等。
客户需签署开户协议，明确账户的用途和相关责任。
银行系统会根据客户提供的资料开设个人或企业银行账户。
客户向银行提供取款凭证，如银行卡、存折等。
取款凭证
银行工作人员会核实取款金额，并确保账户余额足够。
取款金额确认
客户可以选择柜台取款或ATM机取款。
取款方式选择
银行会记录每笔取款的日期、金额和账户信息，便于客户查询。
取款记录
Banking Business Exchange
Mobile banking services have brought great convenience to customers, and have become an important trend in the development of electronic banking business.
Customers can access online banking through personal computers, mobile phones, or other devices with internet access to conduct financial transactions, query account information, and other services.
金融英语PPT教学课件 Unit3 Commercial Bank and its Services
Introduction to Commercial Bank The general role of commercial banks is to provide financial services to the general public and business, ensuring economic and social stability and sustainable growth of the economy.（ 确保经济和社会的稳 定和经济的可持续发展）
Commercial Bank Operations Liabilities operations 1)Accepting Deposits 2) Borrowing Operations
Assets operations 1)Discounting Bills of Exchange 2) Loans 3) Securities Investment
Borrowing Operations • It mainly includes rediscounting or borrowing from the central bank, inter-bank borrowing, the issuance of financial securities, borrowing from the international money market, and the occupation of short-term capital in the process of settlement.
Accepting Deposits
• A primary function of money is its use as a means of payment. • Consequently, one of the most important reasons for becoming a bank depositor is to use the payment facilities of the commercial banking system.
中职教育-国际金融英语课件：Unit 3 The World Bank group.ppt
5. International Centre for Settlement of Investment Disputes (ICSID) Est. 1966, facilitating the settlement of investment disputes between governments and foreign investors
4. Saving Children—reduce the under 5 mortality rate.
Millennium Development Goals
5. Caring for Mothers—reduce the maternal mortality rate.
6. Combating Diseases—such as AIDS/HIV, Tuberculosis, malaria, and other major diseases.
2. Educating All Children—ensure that all children complete primary education.
3. Empowering Women—eliminate gender disparity in primary and secondary education.
Japan, UK, and US
Board of Governors
Made of up representatives from member countries Typically, the representatives are ministers of finance or ministers of development.
《金融英语听说》Unit3
《⾦融英语听说》Unit3Unit 3Lending BusinessWarm-up1. Match the Chinese terms in Column A with their English equivalents in Column B.Answers for Reference1 汽车贷款auto loan2 个⼈房屋贷款personal housing loan3 次级按揭贷款subprime mortgage loan4 信贷风险credit risk5 商业贷款commercial loan6 财务状况financial standing7 按揭抵押的房产mortgaged property8 利率风险interest rate risk9 分期付款pay by instalments10⼀次性付款pay in a lump sum2. Discuss in pairs and answer the following questions.Answers for Reference1. Do you know the types of personal loans offered by Canadian Imperial Bank of Commerce (CIBC)?Personal housing loan 个⼈住房贷款– Personal second-hand housing loan 个⼈⼆⼿房屋贷款，个⼈再交易住房贷款– Personal commercial space purchase loan 个⼈商业⽤房贷款– Individual housing loans at fixed interest rate 固定利率个⼈住房贷款– Personal housing mixed loan 个⼈住房组合贷款– Individual housing provident fund loan 公积⾦个⼈房屋贷款– Personal mortgage loan 个⼈住房抵押贷款Personal purchase loan 个⼈消费贷款Personal operation loan 个⼈经营贷款Personal auto loan 个⼈汽车贷款Personal housing improving loan 个⼈房屋维修贷款Personal consumer durables loan 个⼈耐⽤品消费贷款Commercial educational loan 商业助学贷款Government-subsidized educational loan 政府助学贷款Personal loan backed by pledged rights 个⼈产权质押贷款2. What do you think should be prepared for a loan proposal before you go to apply for a personal housing loan to CCB?valid identify certificate 有效⾝份证明, e.g., ID card ⾝份证, Hukou 户⼝, certificate of permanent residence 永久居民证or passport 护照Employment certificate ⼯作证Property right/title certificate 房产证Income statement 收⼊证明3. What should be considered if you were handling a loan proposal as a manager of the Credit Department?People 借款⼈(the identification of potential borrower, information about the person, their family, their income, their financial standing, etc. 申请借款⼈的⾝份、个⼈信息、家庭状况、收⼊、资信等)Purpose 借款的⽤途(the purpose of the borrowing and how to use the money borrowed 借款的⽬的以及如何使⽤借款) Payment 还款计划(how to effect repayment: by instalments or in a lump sum 如何还款：分期付款还是⼀次付清)– Repayment schedule 还款计划– Amount of the loan granted 审批贷款的⾦额– Term of the loan 贷款的期限Protection 还款保障(what to be used as collateral or security for the loan and who to be the guarantee 什么做贷款的抵押品以及谁是担保⼈)Perspective 还款风险预测(the assessment of risk of credit in perspective 客观地评估信⽤风险)Short DialoguesTask 1 Multiple ChoiceListen carefully and choose the best answer to the question after each dialog.Scripts & AnswersDialog 1 M: Hi, Xiaohong. There is news about bankruptcies of some U.S. banks. It seems the banks are subject to some risks in their operation.W: Yes. Excessive interest rate ri sk can pose a significant threat to a bank’s earnings and capital base.M: Do you know the exact meaning of the interest rate risk?W: It is difficult to explain it in a few words. Let me see, eh… Generallyspeaking, interest rate risk is the risk arising from the change in value ofan interest-bearing asset, such as a loan or a bond, due to fluctuation ininterest rates. As rates rise, the price of a fixed rate bond will fall. As ratesfall, the price of the bond will rise.M: So the task of control over the interest rate risk would be critical to banks, because the change in interest rates will affect the value of a bank’s interest-bearing assets.W: Right, but sometimes it is beyond the control of one bank.Question: What is usually considered the cause of interest rate risk according to the woman? (D)译⽂男：嗨，晓红。
金融英语3 The Federal Reserve System
Becsuse of the heated on these issues, a compromise was struck.
在这些问题上的激烈争论，最后导致了一个妥协方案的产生。
Formal Structure of the FRS • SYSTEM entities
What is characteristic of SJ University?
Another source was the traditonal American distrust of moneyed interests, the most prominent symbol of which was a central bank.
P19 The
functions of a central bank may typically include the following.
• Currently，around one-third of the commercial banks in the United States are members of the Federal Reserve System, having declined from a peak figure of 49℅ in 1947.
？Ｐ２０
• Other types of financial institutions may be subject to different regulation. • be subject to：易受......的，从属于，有......倾向的
Comparison
The 12 Federal Reserve Banks perform the following functions.
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Image =inactive market
Market depth :市场的深度 In finance, market depth is the size of an order
No needed to move the market price a given amount. If
3、What are Fed funds? and what is Fed funds rate? 4、How to distinguish among bills, notes and bonds?
Unit 3 Money market
Questions of Unit Three:
5、What is Eurodollar? 6、What is CD? How did it originate? 7、What features does the CD’s interest rate have? 8、What is CP? and how can issuers realize permanent
qualified to be listed in the main board.
on-floor market:场内市场
No floor dealer:场内交易商
floor broker:场内经纪人
Image On floor order:场内委托
Floor order ticket:场内委托单
the market is deep, a large order is needed to
change the price. Market depth closely relates to the
Image notion of liquidity, the ease to find a trading partner
contest. A neutral is someone who is neutral.中立者，持中立态度的人 In a neutral voice:用平静的声调
Securities exchange:证券交易所（市场）;场内市场
No =Stock exchange
Stock exchange is an organized physical centralized market where qualified members (dealers and brokers) gather to trade listed securities ,such as common
Terms and Paraphrasing:
neutral: a.中立的，中性N 的，平静的o ，平淡的；n.中立人，中立国
Image
If a person or country adopts a neutral position or remains neutral,they don’t support anyone in a disagreement, war or
Image profit or loss is the difference between the buying
and selling prices for the same security. on one's own account :为自己的利益
Broker:经纪人
No Broker means an individual or company acts as an
off-board market：场外交易市场
No off-floor market：场外交易市场
Off-exchange market:场外市场
Image Over-the-counter market:场外交易市场
Curb (kerb) market:场外市场
Over-the-counter market:场外交易市场
Image are not listed on an exchange . It is a decentralized
market.
No List :上市，获准上市
De-list:摘牌 1.These company will be listed in nasdaq or london
Image stock exchange.
No Over-the-counter market is a market consisting of a
group of brokers and dealers who are inter-related by a computer network and directly trade securities that
No The buying and selling of government securities by a Image central bank, in order to control the money supply.
Dealer:交易商=jobber Dealer means an individual or firm in the securities
agent for the customers to purchase or sale securities from and to a third party and a commission is charged
Image for their services.
Ease: (n. v.)放松，放宽，降低
short of their reserve requirement to borrow reserves from banks having excess reserves, and also called
Image federal funds.
Fed funds rate:联邦基金利率
No The interest rate that banks charge each other for
No Ease of credit:放宽信贷 Image Ease of money:银根松动
Ease of interest rate:降低利率
Tighten: (v.)收紧 Tighten money (supply):收紧银根，紧缩货币供给
No Tightening of interest rate:收紧利率，提高利率
No business who buys and sells stocks and bonds as a
principal rather than as an agent, it buys or sells a security on its own account and at its own risk ,its
Image Hong Kong for centralized funds-raising of growth
enterprises or new emerging companies from all
industries and of all sizes who are temporarily not
Image stock、bonds. It operates under strict rules and
regulations.
(main)board market:主板市场(场内市场)
No Second board market:二板市场
=Growth Enterprise Market=GEM 创业板 =SME board 中小企业板 GEM is a stock market set up by Stock Exchange of
spreads between bid and ask prices are narrow. =deep market=active market=liquid market
Thin market:淡市 A market in which trading volume is low, and
No consequently bid and asked quotes are wide and
Banking English
Unit 3 Money market
Questions of Unit Three:
1、What is the money market? and what functions does it have?
2、What are the principal instruments in the U.S. money market?
Terms and Paraphrasing:
deficit: n.赤字；逆差；亏N 损；亏空o ；不足
Image
A deficit is the amount by which something is less than w hat is required or expected.
Budget deficit:预算赤字 A deficit of 1 billion francs: 10亿法朗的赤字 To cover the deficit:弥补赤字=to make up the deficit The balance of payment is in deficit .国际收支逆差 To move funds from sectors with surplus funds to those In a deficit position.
On stock exchange=in stock exchange =in main board market
No Listed company:上市公司
=quoted company Listed stock:上市股票
Image Listing requirement:上市条件