金融英语课件 张晓冬.pptx

金 融 英 语 主讲教师：张晓冬 Financial English Prepared by zhang xiaodong Learning objectives By the end of the Unit, you will learn the following points: ◆ Identify common loans and particular loans ◆ Define special credits ◆ Define consumer credit and real estate loan Teaching key points and teaching difficult points ◆ Key points : categories of commercial loans; types of special credit; BOT (Build-Operate-Transfer) ◆ Difficult points: Definition of draft and export credit ; forfeiting ; mortgage loan; Syndicated loan ⅠIntroduction ⅡCommon loans: commercial loans and special credit Ⅲ Particular loans: syndicated loans and BOT Teaching procedures Ⅰ Introduction ☆ Overview: commercial banks extend credit to different types of borrowers for many different purposes. For most customers, bank credit is the primary source of available debt financing. ☆ Tips: loans are the dominant asset in most banks portfolios. As with any investment, extending loans to businesses and individuals involves taking risks to earn high returns. Returns come in the form of loan interest, fee income and investment income from new deposits. Ⅱ Common loans New words illustration 2.mandate:n. 命令，指令，要求，托管地vt. 把(某一地区)置于委任管理下 The government gave the police a mandate to reduce crime. 政府命令警方进一步打击犯罪活动 authorization 1.discount n. 折扣，贴现率vt. 打折扣，贴现，vi. 贴现，减息贷款 These goods will be sold at a discount. 这些货物将减价出售。We give 10 percent discount for cash. 现金付款，我们九折优惠。 3.syndicate:n. 企业联合v. 联合组织 A syndicate of local business 4.spread: The rapid spread of the disease We spread butter on bread . New words illustration 5. recourse: n\v Your only recourse is legal action against them. 你只有求助于法律来对付他们。 6. endorsement: n. 支持，认可，背书 formal and explicit approval 7. amortize: vt. 分期偿还，摊还 amortization liquidate gradually 8. installment: n. 分期付款(安装，一期) default on the installment payment. 我没有付分期应付的款。We will pay for houses by monthly installments. 我们将按月分期付款买房。 New words ill