2016年金融英语竞赛培训_制度规范_工作范文_实用文档.pptVIP

Finance English 李玲玲 Topics covered financial institutions financing L/C accounting Financial institutions In the 20th century, most banks are specialized in the following areas: Retail banks(零售银行) or commercial banks（商业银行）; Investment banks（投资银行）; Insurance companies（保险公司）; Building societies（建房互助协会）=savings and loans associations（储蓄贷款协会）. Make loans, receive deposits Give financial advice; Raise capital; Organize mergers and takeover bids Specialized in mortgages 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 Commercial Banks Types of Bank Account: Banks provide different types of account for different needs. Customers can open: Current accounts=checking accounts, allow customers to take out or withdraw（取出） money freely with a lower rate of interest. Savings account=deposit account（储蓄账户）, pay more interest but have restriction on when you can withdraw your money. Time deposit account which pays a higher rate of interest but written notice of withdrawal must be given. Accounts of this type are used mainly for long-term saving. 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. Types of Bank Loan: 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 mo