传统银行与网上银行.pptxVIP

传统银行与网上银行;朱晓雅 杨波 陆颖娴;传统银行;传统银行;一、传统银行的概念;二、传统银行的起源;三、传统银行的优势;1.支付创新 ;;;;五、传统银行的发展趋势;六、传统银行存在的问题;网上银行;;世界;网上E-mail通信方式也非常灵活方便，便于客户与银行之间以及银行内部的沟通。;四、网上银行的业务介绍 ;基本网上银行业务 商业银行提供的基本网上银行服务包括：在线查询账户余额、交易记录、下载数据、转账和网上支付等。 网上购物 商业银行的网上银行设立的网上购物协助服务，大大方便了客户网上购物，为客户在相同的服务品种上提供了优质的金融服务或相关的信息服务，加强了商业银行在传统竞争领域的竞争优势。 个人理财助理 各大银行将传统银行业务中的理财助理转移到网上进行，通过网络为客户提供理财的各种解决方案，提供咨询建议，或者提供金融服务技术的援助，从而极大地扩大了商业银行的服务范围，并降低了相关的服务成本。 企业银行 企业银行服务一般提供账户余额查询、交易记录查询、总账户与分账户管理、转账、在线支付各种费用、透支保护、储蓄账户与支票账户资金自动划拨、商业信用卡等服务。此外，还包括投资服务等，部分网上银行还为企业提供网上贷款业务 其他金融服务 除了银行服务外，大型商业银行的网上银行均通过自身或与其他金融服务网站联合的方式，为客户提供多种金融服务产品，如保险、抵押和按揭等，以扩大网上银行的服务范围。;五、中国网上银行的现状;网络安全 有待提高;传统银行与网上银行的比较;; ;1、挑战传统银行理念 ;（1）降低银行服务成本;;The End;Unit 3 Money;SUCCESS;Good times… bad times…;T1: ;T2: ;T3: ;UK Economy; to hedge to speculate to invest to deal;;What is a share? Part of a company’s profit. A regular payment received from an investment. A share in the ownership of a company. ;Build two vocabulary networks around these topics: Currency Shares ;What date was “Black Monday”? _________________________________________ How much money was lost on the London market? _________________________________________ By how much points did the Dow Jones index fall? _________________________________________ What percentage was this? _________________________________________ When was the previous great stock market crash? _________________________________________ By how much did the market fall then? _________________________________________ ;;;;What do the two pictures show? ; Find the terms which mean the following: what a company owns: the total amount of sales: what a company owes: the profit made by the normal activities of a business: the goods which a business intends to sell to its customers: ;;Julian Lee is the general manager of a nuclear research institute. He is responsible for all aspects of running the institute, including managing the staff and organizing the finances, bu