2016年金融英语竞赛培训分析重点.pptxVIP

; Topics covered; Financial institutions;Two basic services 以支票和储蓄帐户吸收存款-accepting deposit 利用这些存款为个人和企业提供贷款-making loans For international business: currency exchange 兑换外汇 Letters of credit 信用证 Remittance 汇款 Provide the so-called plastic or electronic money 提供所谓的塑料或电子货币 Financial counseling 理财咨询 ;Types of Bank Account:;Short-term loan: to run the day-to-day operations 维持日常经营 Offer loans, overdraft（透支） for small sums of money; Long-term loan: To provide capital to purchase fixed assets To finance large scale construction projects banks also offer mortgages to people who want to buy a house or flat. For long-term loans, collateral （抵押品) or a guarantee for the bank is required. If the borrower can’t repay the loan, the bank can possess（收回） it.;Foreign currency exchange Banks exchange foreign currency（外币） for people going abroad sell traveler’s checks（旅行支票）. Financial counseling Banks also offer advice about investments and private pension plans（个人养老金计划）-saving money for when you retire from work. ; Investment banking; Going public;;;;Investment banks often represent firms in mergers（合并） and acquisitions（收购）, and divestitures（剥离，出售）. Merger: two companies join together to form a new one. Acquisition: one company buys another one. Divestiture: a company sells a subsidiary. All these services charge fees according to the result.;Because of great experience in financial transactions and large network of contacts with investors and companies that could be interested in a merger or acquisition, investment banks can provide consulting business（咨询业务） to give advice about strategic planning（战略计划） or financial restructuring（金融重组）.;Large investment bank also have extensive research departments with analysts（分析员） and forecasters（预测员） who specialize in the valuation（评估） of different markets, industries, companies, securities and currencies. ; Insurance;The areas of insurance: Theft(偷窃) -- someone stealing the goods Dam