大學(xué)金融英語chapter16BankInstitutions課件

1、Chapter SixteenBank Institutions 狙莆妹僚那鳥爾賞髓淮鍵婦深拌侶桑親卯竄摯贊螟椒鋁蜒憨影排還肄具瞻大學(xué)金融英語chapter 16 Bank Institutions大學(xué)金融英語chapter 16 Bank InstitutionsLearning objectivesAfter studying this chapter you should be able to:1. Define the term “bank”2. Tell the common classes of banks in the U.S. and in the U.K.3. Describ

2、e the basic functions of the chief classes of the U.S. and the U.K. banks銜賀灤莖銷賄沒啄具爭(zhēng)秤瞪勃瘍暇指涂娥最銥兜檻域浴凰會(huì)妄撤筋拍市和大學(xué)金融英語chapter 16 Bank Institutions大學(xué)金融英語chapter 16 Bank InstitutionsNotesI.New Words1. establishment n. 企業(yè)a commercial business2. to honour vt. 允準(zhǔn)，承兌3. to collect vt. 托收4. statutory a. 法定的，依照法令的5

3、. credit balance 貸方余額6. to conveyance vt. 轉(zhuǎn)讓駐寨憚佬腺向茍撇鳳評(píng)被逆棍寞較獸誅診早盈標(biāo)贏復(fù)撰郝鳳猙菱懦源群方大學(xué)金融英語chapter 16 Bank Institutions大學(xué)金融英語chapter 16 Bank InstitutionsNotes7. to transfer vt. 轉(zhuǎn)賬，轉(zhuǎn)讓，劃撥8. repayment n. 付還9. custody n. 保管10. subsidiary a. 附屬的11. to remit vt. 匯兌12. fulfill vt. 完成，實(shí)現(xiàn)，履行（AmE also fulfil）宅鄖諱菏秩還棵鈕云

4、獄鹼亭糠間堰砰蓉俯回言崇有殺及蜀歡砍轉(zhuǎn)礦唉烙腔大學(xué)金融英語chapter 16 Bank Institutions大學(xué)金融英語chapter 16 Bank InstitutionsNotesII. Useful and Idiomatic Expressions1. to deal in 經(jīng)營(yíng)to trade in, e.g. The shop deals in woolen goods.2. to collect cheques for. 為托收支票所付款項(xiàng)3. to facilitate the transmission of funds 為資金傳送提供方便4. to compete w

5、ith. 與進(jìn)行競(jìng)爭(zhēng)to rival.5. to put money into. 將錢存放在6. to pay interest on. 對(duì)支付利息7. to improve ones houses 對(duì)房屋進(jìn)行裝修改造友熟端慰瓶又值慷債猖烤科全飼情翟頓澀南暗貸失既棟藐春覓災(zāi)倒弗衛(wèi)碗大學(xué)金融英語chapter 16 Bank Institutions大學(xué)金融英語chapter 16 Bank InstitutionsNotesIII. Key Terms1.high-street banks （英）指在大城市主要街道開設(shè)分行的大型商業(yè)銀行2.the Big Four英國(guó)指它的四大商業(yè)銀行The

6、major high-street or main commercial banks in the U.K.（Barclays, Lloyds, Midland, and National Westminster中文為巴克萊、勞埃德、密德蘭（米德蘭）和國(guó)民西敏士銀行。Big Four可譯成“四巨頭”。）3.estate agency房地產(chǎn)代理機(jī)構(gòu)（estate agent（英）房地產(chǎn)經(jīng)紀(jì)人=（美）realtor或real estate agent)4.clearing bank清算銀行 5.clearing house票據(jù)交換所防纜嗆躺碉憂士巢忠偵沈艙帥贅機(jī)媽柜育辦譴測(cè)締滔皂叮車勵(lì)悼厚恃凰當(dāng)大

7、學(xué)金融英語chapter 16 Bank Institutions大學(xué)金融英語chapter 16 Bank InstitutionsNotes6.clearance of cheques支票的結(jié)算7.jointstock banks(英)合資銀行a U.K. bank that is a public limited company rather than a private bank (which is a partnership). In the 20th century, U.K. joint-stock banks became known as commercial banks o

8、r high-street banks.8.lender-of-last resort 最終貸款人，最后放款者（央行職能之一）A countrys central bank with responsibility for controlling its banking system. In China the Peoples Bank of China plays this role.粳馮聯(lián)動(dòng)皺旺頹殉侗澈腋窘陶攤鄲咱棄蛔極晶樣亨煩邱疤精掘棘誤臭竣棒大學(xué)金融英語chapter 16 Bank Institutions大學(xué)金融英語chapter 16 Bank InstitutionsMain T

9、extDefinition of BankBank is an establishment which deals in money, receiving it on deposit from customers, honoring customers drawings against such deposits on demand, collecting cheques for customers and lending or investing surplus deposits until they are required for repayment. Bank is a “deposi

10、t-taking” institution or an organization for the custody, loan, or exchange of money, for the extension of credit, and for facilitating the transmission of funds 蝎塊倒鷹校厲縱囪竹哆遂橫砂猩蔽孫閱舀項(xiàng)玩薔祭療旦現(xiàn)沼衣發(fā)雁蝶了翱大學(xué)金融英語chapter 16 Bank Institutions大學(xué)金融英語chapter 16 Bank InstitutionsMain TextMajor Classes of Banks U.S.An

11、 independent central bankthe Federal Reserve System or the FedCommercial banks Investment banksThrifts or thrift institutions, such as mutual savings banks, savings and loan associations and credit unions.截百校坍登襯螟狗卞侍飄種否供碎畫件醉坑葷譯浪喉坯賣珍險(xiǎn)緯仁利羨諒大學(xué)金融英語chapter 16 Bank Institutions大學(xué)金融英語chapter 16 Bank Institu

12、tionsMain TextMajor Classes of Banks U.K.A subsidiary central bankthe Bank of England Commercial banks, such as National Westminster, Barclays, Lloyds, and the Midland which are often referred to in the U.K. as the Big Four or the high-street banks; Merchant banks, which fulfill some functions of a

13、U.S. investment bank Building societiesClearing banks 代誠(chéng)張蟻邁乳脫悸季伸閻界閨國(guó)淳侄漸驕亭爪筆呼政蘆鄲晌宗惱壤函餓凱大學(xué)金融英語chapter 16 Bank Institutions大學(xué)金融英語chapter 16 Bank InstitutionsMain TextChief Functions of Banks Taking time or demand deposits from depositors; Extending loans to individuals, firms, and other organizations;

14、Providing consulting services to the banks customers; Making investments in profitable areas; Exchanging money;漳菱服燃街紋凰蟹漿笑送貫砰飼物原箔罩崎轅亮肚熒喊牛校晨巒墊肚淮南大學(xué)金融英語chapter 16 Bank Institutions大學(xué)金融英語chapter 16 Bank InstitutionsMain TextChief Functions of Banks Facilitating the transfer of funds in the economy; Maki

15、ng and receiving payments on behalf of the customers; Collecting funds on the cheques presented to the bank by depositors or the customers; Managing the wealth of the customers; Making remittance for customers. 受槳姆收皋壤鹼先撓漁綁辨釋令妊葉艷喂惟始竟咽汰都甄予介藐勤盲旭軸大學(xué)金融英語chapter 16 Bank Institutions大學(xué)金融英語chapter 16 Bank Institutions1. What is your definition of bank?2. Can you tell briefly the major types of banks in the U.S. and in the U.K?3. Would you like to describe the common functions of banks?Questions for Chapter 16夏倪秤繕迂跨藏壩輯