第四章_商业银行和服务.docVIP

Chapter 4 Commercial Banks and Services New Words and Expressions Commercial bank 商业银行 raise money 筹集资金 investment bank 投资银行 deposit 存款 loan 贷款 withdraw取款telegraphic transfer 电汇 bank dra financial system. The services can be broadly classified as follo a car or property) as collateral (i.e., security) for the loan. 担保贷款是借款人抵押某种资产（如汽车或财产）作为担保品（如证券）的贷款。 担保贷款的种类 保证贷款是以第三人承诺在借款人不能偿还贷款时，按约定承担连带责任而发放的贷款。 抵押贷款是以借款人或第三人的财产作为抵押物发放的贷款。 质押贷款是以借款人或第三人的动产或权利作为质押物发放的贷款。 A mortgage loan is a very common type of debt instrument, used to purchase real estate. 按揭贷款是一种非常普通的债务工具，用于购买不动产。 Commercial banks, however, are given security - a lien on the title to the house - until the mortgage is paid off in full. 不管怎样，商业银行被给与某种保障，即对房屋所有权的留置权，直到贷款全额偿付。 First, some of the banks maintain active and well-organized departments whose primary function is to compete actively for real estate loans. 第一，某些银行积极良好的部门，其主要职能是Second, the banks acquire mortgages by simply purchasing them from mortgage bankers or dealers. 第二，银行直接从房地产抵押贷款银行家或交易商手中购买房地产按揭贷款。 In addition, dealer service companies, which were originally used to obtain car loans for permanent lenders such as commercial banks, wanted to broaden their activity beyond their local area. 除此之外，那些起初主要为像商业银行这样的长期贷款人取得汽车贷款的交易商服务公司，也想突破地区限制扩大自己的业务。 In recent years, however, such companies have concentrated on acquiring mobile home loans in volume for both commercial banks and savings and loan associations. 最近几年，这些公司主要专注于为商业银行和储蓄贷款协会取得大量的移动房屋贷款。 Fixed rate mortgages 固定利率按揭贷款 Short-term balloon mortgages 短期气球式按揭贷款（最后一次付款特大的按揭贷款） Adjustable rate mortgages 可调整利率按揭贷款 Second mortgages 第二次按揭贷款 Construction loans 工程贷款/建设贷款 Unsecured loans are monetary loans that are not secured against the borrowers assets (i.e., no collateral is involved). 无担保贷款是未用借款人的资产（没有担保品）进行担保的货币贷款。 credit card debt 信用卡债务 personal loans 个人贷款 bank overdra which allows individuals and businesses to deposit money and withdraw funds from a federally-protected account. 支票账户是金融机构（