《金融英语听说》Unit3.docVIP

Unit 3 Lending Business I Warm-up 1. Match the Chinese terms in Column A with their English equivalents in Column B. Answers for Reference 1 汽车贷款 auto loan 2 个人房屋贷款personal housing loan 3 次级按揭贷款subprime mortgage loan 4 信贷风险credit risk 5 商业贷款commercial loan 6 财务状况financial standing 7 按揭抵押的房产mortgaged property 8 利率风险interest rate risk 9 分期付款pay by instalments 10一次性付款pay in a lump sum 2. Discuss in pairs and answer the following questions. Answers for Reference 1. Do you know the types of personal loans offered by Canadian Imperial Bank of Commerce (CIBC)? Personal housing loan 个人住房贷款 – Personal second-hand housing loan 个人二手房屋贷款，个人再交易住房贷款 – Personal commercial space purchase loan 个人商业用房贷款 – Individual housing loans at fixed interest rate 固定利率个人住房贷款 – Personal housing mixed loan 个人住房组合贷款 – Individual housing provident fund loan 公积金个人房屋贷款 – Personal mortgage loan 个人住房抵押贷款 Personal purchase loan 个人消费贷款 Personal operation loan 个人经营贷款 Personal auto loan 个人汽车贷款 Personal housing improving loan 个人房屋维修贷款 Personal consumer durables loan 个人耐用品消费贷款 Commercial educational loan 商业助学贷款 Government-subsidized educational loan 政府助学贷款 Personal loan backed by pledged rights 个人产权质押贷款 2. What do you think should be prepared for a loan proposal before you go to apply for a personal housing loan to CCB? valid identify certificate 有效身份证明, e.g., ID card 身份证, Hukou 户口, certificate of permanent residence 永久居民证 or passport 护照 Employment certificate 工作证 Property right/title certificate 房产证 Income statement 收入证明 3. What should be considered if you were handling a loan proposal as a manager of the Credit Department? People 借款人 (the identification of potential borrower, information about the person, their family, their income, their financial standing, etc. 申请借款人的身份、个人信息、家庭状况、收入、资信等) Purpose 借款的用途 (the purpose of the borrowing and how to use the money borrowed 借款的目的以及如何使用借款) Payment 还款计划 (how to effect repayment: by instalments or in a lump sum 如何还款：分期付款还是一次付清) – Repayment schedule 还款计划 – Amount of th