高级商务英语资料.pptVIP

Aim of learning: In this unit, learners are expected to : --learn the business terms and expressions concerning banking ; --the business concepts concerning banking ; -- understand basical banking business to individual customers Time required: 6 hours Types of banks （1）中央银行（central banks): 中国人民银行是我国的中央银行，实际上是行政管理机关，基本上可以认为它不对个人和企业办理银行业务。 （2）政策性银行(policy banks)。包括农业发展银行、进出口银行、国家开发银行，只办理政策性的银行业务。 （3）商业银行(commercial banks )。具体又分为国有商业银行（工农中建）、全国性的股份制银行（有十五六家，如交通、中信、光大、华夏、招商、兴业、民生等等，最近设的是浙商和恒丰）、城市商业银行（如上海银行，某某市商业银行等）、农村商业银行、农村合作银行。 （4）信用社(credit cooperatives)，有城市信用社和农村信用社。 （5）邮政储蓄（postal savings) 只办理储蓄业务。 （6）非银行金融机构(non-bank financial institutions)，如金融资产管理公司，信托投资公司，财务公司，金融租赁公司等。 ?? 除中国人民银行外，统称银行业金融机构。银行业金融机构由中国银监会实施专业化的监督管理。 ???(7)投资银行(investment banks)，目前实际上是指基金管理公司，由中国证监会实施专业化的监督管理。 The banking sector （银行业）in the United Kingdom is made up of a variety of institutions supervised by the country‘s central bank（中央银行）. The Bank of England. This bank looks after the government’s finance and monetary policy （货币政策）and acts as banker（贷款人） to other banks. However, for the general public and many businesses（企业）, banking services are provided by commercial banks（商业银行）, or clearing banks, which have branches throughout the country. These banks offer a wide range of services which include accepting deposits(吸收存款）, making loans（发放贷款） and managing customers‘ accounts（管理客户账户）. Merchant banks（商人银行）, on the other hand, do not deal with the public but specialise in services for companies or corporate customers（企业客户， 对公服务）. They are particularly active in arranging mergers（合并） and acquisitions（收购） and in advising on aspects of corporate finance（企业融资）. Lead in 1. In pairs, make a list of the different services that banks in your country provide for the general public. Tick the services that you use. 2.Listen to Eleanor Stevens, an HSBC Bank branch manager, describing the bank that she manages. Make notes under these headings on