金融英语-全套PPT课件.ppt

Unit 10 Making a loan 贷款业务 Background Knowledge What is Collateral Collateral means the security provided by a borrower to offset the weakness of a loan. The weakness includes some kinds of risks, inadequate capital and uncertainty arising from market conditions. It should be noted that collateral may make a loan safe, but it will not necessarily make it sound. So collateral should be look as a protection rather than as a kind of repayment. We should know that collateral can never make a bad loan good, but it can turn a good loan into a better one. Collateral should be the last item to be considered in a loan approval. Unit 10 Making a loan 贷款业务 Useful Expressions How much money would you like to borrow? 您想要贷款多少钱？ I plan to repay the loan in monthly installments over five years. 我计划在5年内以按月分期付款方式偿还贷款。 The payment is due on November 19, 2020. 这笔应付款的到期日为2020年11月19日。 Before you borrow any more money, you should pay off you debts. 你把债务还清了后才能再借款。 You are allowed to repay the principal and interest of the loan ahead of schedule. 你可以提前偿还贷款本息。 Unit 10 Making a loan 贷款业务 There are flexible modes mortgage repayments. 这里有多种灵活的还款方式。 We only lend to maximum of 60% for second-hand house. 我们对二手房的最高贷款额为60%。 We’d adopt a floating rate loan for your company. 对贵公司的贷款，我们想采用浮动利率。 Wed like to know how we open a checking-savings account. 我们想知道如何开一个支票储蓄帐户。 Are you prepared to make a 30% down payment? 你是否愿意支付30%的首期款。 Unit 10 Making a loan 贷款业务 You are expected to repay the debt before 9 July. 希望您能在7月9号之前还清这笔债务。 The bank computes interest payments on the principal. 银行根据本金计算利息。 How does the bank decide whether a business should receive a loan? 银行如何决定是否向企业贷款呢？ The supply of mortgage money has become very tight lately. 最近用于抵押贷款的资金投放十分紧张。 Prime rate is set by the major lending banks. 优惠利率是由较大的贷款银行决定的。 Unit 11 Funds 基金 Part I Warm up Part II Practical Conversations Part III Text: What Is a Fund Part IV Practical Exercises Part V Background Knowledge: What