金融英语听力4,5,6单元培训资料.doc

金融英语听力4,5,6单元 精品文档 精品文档 收集于网络，如有侵权请联系管理员删除 收集于网络，如有侵权请联系管理员删除 精品文档 收集于网络，如有侵权请联系管理员删除 Unit 4 Passage 1 There are different kinds of bank accounts. The most popular is the checking account. A checking account pays no interest but it has other advantages. Firstly, it enables people to keep their money in a safe place. Secondly, it allows them to withdraw their money at any time. Thirdly, it provides them with a cheque book so that they do not carry a large amount of cash with them. 　　To open a checking account it is necessary to see the branch manager. He has to decide whether the applicant is likely to keep a credit balance in the account. A checking account holder can only make an overdrawal with the managers permission. The manager will therefore want to meet the applicant to get the necessary background information. For example, he will want to know the applicants occupation and his place of work. He will also probably want a reference from his/her employer. If, after the interview, the manager is satisfied with the applicant, he will approve the application, arrange for the applicant to be given a cheque book and arrange for a monthly statement to be sent to the account holder. Passage 2 　A deposit account is a popular kind of account. It has advantages over a checking accounts. For one, it is easier to open than checking account. There is no need to see the manager. A customer only needs to fill out a form and then deposit the minimum amount of money required by the bank. The customer is then given a passbook which he must bring to the bank every time he wishes to withdraw or deposit money. The passbook is the customers record of the account. 　　Secondly, a deposit account earns interest for the customer. The bank invests the money that is paid by the customer and, in turn, the bank pays the customer interest. The rate of interest in the U.K. is not fixed but it is usually between 5-10%. However, a deposit account does have some disadvantages. Some banks do