Unit 5 commercial bank 财经英语课程资料.docxVIP

Unit 5 commercial bank 商业银行 The commercial bank is a type of financial intermediary中间的 institution which aims to maximize profit by accepting deposits（存款）, making business loans and offering related services, which form the main part of a country’s financial system. 2. The operations of commercial bank 商业银行的业务运营 The most important operations are: 2.1 liabilities operations负债业务(raising funds也叫筹措资金) 这个业务指的是客户在银行存款的业务，客户的银行存款就是银行欠客户的钱，所以叫银行的负债业务，请大家理解这一点。 The main operations include: a. acceptance of deposits on different maturities for individuals or legal entities，such as demand deposits活期存款, time/term deposits定期存款, saving deposits 储蓄存款 b. credits/loans 贷款received from banking and non-banking clients银行从金融客户或非金融客户收到的贷款，也是银行欠别人钱了，所以是它的负债业务，请理解。 c. acceptance of the available resources from the financial market. 2.2 assets operations资产业务 (也叫granting credits授信 /loans贷款) 这个业务指的是银行发放贷款给客户的业务，银行发放的贷款当然是银行的资产，所以这是银行的资产业务，请理解。 （1）The main operations include: a. different types of credits 信贷 b. current accounts 活期存款账户 and deposits placed to other credit institutions c. current accounts opened with the central bank d. claims resulting from leasing e. other assets （2）According to the different standards, the loans of commercial bank can be divided into: 1. secured loans 担保贷款 They are the ones in which the borrower pledges some asset as collateral for the loan The most common one is mortgage loan抵押贷款, which is used to buy real estate房地产，不动产. 2. unsecured loans 未担保贷款 credit card debts, personal loans, bank overdrafts, credit facilities or lines of credit, corporate bonds The loans of commercial bank: 1. commercial lending 商业贷款 It refer to the credits granted to companies which are the major clients for commercial banks. 2. retail lending 零售贷款 It refers to credits granted to individuals. The consumer credit 消费者信贷（个人信贷）includes: overdrafts透支, revolving credit循环贷款, installment credit分期付款信贷, etc. 3. commercial banks in China Th