第四章-商业银行和服务.pdf

Chapter 4 Commercial Banks and Services What is a bank? • A bank is an institution that deals in money and provides other financial services. 银行是一个经营货币并提供金融服务的机 构。 Reading Comprehension • How many departments are in a bank? • What’s the responsibility of each department? • Banking Operations • Collateral 担保品 • Pledge 抵押 • Mortgage loan 抵押按揭贷款 • General Ledger Department 总帐部门 How do banks make money? • Banks accept deposits and make loans and derive a profit from the difference in the interest rates paid and charged, respectively. 银行接受存款并提供贷款服务，相应的从 存贷利差中获取利润。 • Banks also charge fees for services like checking, ATM access and overdraft protection. 银行对所提供的服务也收取费用如提供支 票, 自动柜员机存取和透支保护等。 Bank Services • Bank services can be broadly classified as follows: (1) individual banking, (2) institutional banking, and (3) global banking. 银行服务大致可分为三类：①零售银行业 务；②机构银行业务；③全球银行业务。 美国常用的几种银行账户 • checking account 支票帐户，无利息或低息。 • saving account 储蓄帐户，利息比支票账 户高，相当于中国的活期存款账户。 • time deposit account 定期存款账户,提前 取款有罚款的帐户。 Listening- Time Deposits Test 3- Section C 1、Why does the customer come to the bank? A. He wants to make a deposit. B. He wants to draw some money. C. He wants to open an account.. D. He wants to cash his travelers cheque. 1、Why does the customer come to the bank? A. He wants to make a deposit. B. He wants to draw some money. C. He wants to open an account.. D. He wants to cash his travelers cheque. 2、Does the customer have an account with the bank? A. Yes, he has a savings account. B. No, he doesnt have any account. C. Yes, he has a current account. D. Yes, he has a fixed account. 2、Does the customer have an account with the bank? A. Yes, he has a savings account. B. No