第七章 chapter 3-retail bank-loan.pptVIP

L/O/G/O Chapter 3 Retail bank：Loans  Teaching target In this chapter we will learn the types of loans that banks make available to individuals and families. Note Hosing loans for individuals 私人住房贷款 Auto loans 购车贷款 Education loans 教育贷款 Secured personal loans 个人贷款担保 Note Secured 1. 有保证、可靠的、2. 有担保 a loan secured by mortgage 抵押作担保的贷款 Security 1.?安全2.?抵押品3.?有价证券4.?保卫部门；保安部门5.?担保；保证 securities exchange 证券交易所 Panic selling of securities 大恐慌导致的债券抛售 public security situation 社会治安情况 贷款基准利率 benchmark interest rate for loan （金融市场上具有普遍参照作用的利率，其他利率水平或金融资产价格均可根据这一基准利率水平来确定） 2011-07-07五年以上贷款年利率-7.05 (%) Note Guarantor 保证人 Guarantee 被保证人 A contract under which a third party is guarantor shall be formed once the guarantor and guarantee affix their signatures or personal seals to the contract . 由第三者作保证人的合同，自保证人和被保证人在合同上签名、盖章后成立。 Note State educational loans with fiscal interest discount 财政贴现的国家教育贷款 Tuition 1.课程讲授; 2. 学费 tuition assistance 助教 what is the cost of accommodation and tuition? Tutor 助教 Note Miscellaneous 不同种类的;混杂的 Miscellaneous fees 学杂费 Guardianship 守护,监护人的职责 If the guardian has done his duty of guardianship, his civil liability may be appropriately reduced. 监护人尽了监护责任的，可以适当减轻他的民事 责任。 单词后缀-ship 1. 表示“状态”(如:friendship、membership) 2. 表示“身份”,“职业”(如:professorship、 ownership) 3. 表示“技巧”,“能力”（如:statesmanship） 4. 表示“...的群体”(如:readership) 5. 接在形容词之后,表情况(如:hardship) Note treasury bonds ?长期国库券 T-Bills 　　是Treasury Bills的简写，美国财政部发行的短期债券，期限不超过一年。 T-Notes 　 是Treasury Notes的简写，美国财政部发行的中期债券，期限不超过十年。 T-Bonds 　　是Treasury Bonds的简写，美国财政部发行的长期债券，期限十年以上。 Note 国债 national debt; government loan；treasury bonds The national debts of Unite States are rolling up. 美国的国债在不断地增加。 Increase、ascend、raise、rise、accumulate. Note Hypothecation 质押 质押也称质权，就是债务人或第三人将其动产移交债权人占有，将该动产作为债权的担保，当债务人不履行债务时，债权人有权依法就该动产卖得价金优先受偿。  Note Undue certificate 未到期的单据 到期日 due date; due day; date of expiry;