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TextB AreWeHeadedfortheCashlessSociety Yourquestions Whenyouareshoppingnowadays doyouprefertousecashorcheck Creditcardshavebeenwidelyused inplaceofmoney Dotheyreallyreplacemoney Doestheuseofcreditcardshaveanyinfluenceon changeyourconsumingbehavior Whataretheadvantagesofacashlessandchecklesssociety Electronicbanking Ithasradicallychangedthewaycustomerscandobanking Beforee banking checkinganaccountbalancerequiredthecustomertoeithergotocustomerserviceortheteller Nowtherearemanymethodsavailable ATMhasbecomeanessentialpartofourlives becauseitallowsustocheckbalances deposit withdrawandtransfermoney Telephonebankingallowscustomerstoperformelectronicfundstransfertransactions alsoknownasEFT checkbalancesandpaybills Mobilebankinghasnearlythesamefunctionalityastelephonebanking exceptthatinformationisrelayedbyShortMessageServiceorSMS however payingbillsbymobilebankingisn tpractical Internetbankingontheotherhandgivesaccesstoabroaderrangeofservices Theseservicesincludechangingaccountdetailslikeaddress andpassword EFT arrangingbillpaymentsordirectdebits andperformingaccountinquiries accounts帐户 Customersgenerallyvisitabankfortworeasons Thefirstistoborrowmoneytopurchaseanitem whichmightcostmorethantheirmonthlyincome Thesecondistodeposittheirmoneyinthebankforsafe keeping Thismoneyiskeptinabankaccount andascompensationfortheuseofthecustomer smoneythebankpaysinteresttothecustomer Therearemanytypesofcustomerbankingaccounts Themostcommonaresavingsaccounts 储蓄账户 timeortermdepositaccounts 定期存款账户 foreigncurrencyaccounts 外汇账户 cashmanagementaccounts 现金管理账户 moneymarketaccounts 货币市场账户 andcheckingaccounts 支票账户 Thelevelofinterestavailableontheseaccountsdependsonthewhetherthefundsareavailableondemand alsoreferredtoasatcalldeposits thecurrencytheaccountisdenominatedinandthesourceofendinvestmentusedbythebank Usuallythehighertheinterestrate thelessaccessthecustomerhastotheirmoney fixeddeposit定期存款 alsoreferredtoasatimedeposit termdeposit 期限存款 orCertificateofDeposit CD 定期存单 isakindofsavingsdepositwithadefinitelengthofmaturity Theprincipalororiginalinvestment 本金或初始投资金 amountisplacedintoasavingsaccountandearnsinterestatapre determinedrate Generally timedepositsofferinvestmentmaturitytermsfrom3monthsto5yearswherelongertermsearnhigherrates Timedepositsofferhigherratesofreturnthanmostcomparableinvestmentsbecausetheinvestedmoneyis tiedup untilthematurityofthetimedeposit Moneyremovedbeforematurityissubjecttoanearlywithdrawalpenalty Suchwithdrawalsusuallyresultininterestbeingcalculatedatthecurrentorat calldepositrate 活期利息 Timedepositsarelowrisk lowreturninvestmentsandaregenerallyavailableforaminimuminvestmentamountof50RMB withoutanyupperlimit Thistypeofdepositissuitableforcustomerswhodonotrequireaccesstotheirmoneyforacertainperiodoftime check支票 awrittenorderbyanaccountholdertohisbanktopayacertainsumofmoneytoapayee Acheckisnotlegaltender Checkshavebeenusedinvariousformsforthepast200years andeachdaythroughouttheworldthereareapproximately12millioncheckswritten Checkscomein3forms bank companyandpersonalchecks Abankcheckisthemostacceptedasitcarriestheleastriskbecausebankchecksarewrittenordersdirectingabanktopaymoney Apersonalcheckontheotherhandcarriesthehighestrisk asitwillonlybepaidifthecustomer saccounthassufficientfundstocoverthespecifiedamountofthecheck Creditcards信用卡 usuallyissuedbybanks aregrantedtopersonsforborrowingmoney orbuyingproductsandservices butallowingdelayedpayment Putsimply creditcardsare buynow paylater SomeofthemorewidelyknowncardnamesincludeMasterCard Visa AmericanExpress andGreatWall Creditcardsarenottobeconfusedwith chargecards suchasdepartmentstorecards whichrequirefullpaymentofthebalancebeforetheendofthebillingperiod Itisnotalineofcreditandnointerestischarged Ithasbeenestimatedthatthereareapproximately500millioncreditcardsinuseworldwide whichconfirmsthepopularityofthisformofconsumercredit Questionsofthetext Doyouthinkthatmoneywillnolongerexist WhatisEFTS Howmanypartsdoesithave Whatarethey What stheexactfunctionoftellermachines Howdoesthepoint of salesystemwork Inwhataspectisthesystemofautomatedclearinghousesespeciallyused EFTS ElectronicFundsTransferSystem电子资金转帐系统 Anysystemthatmovesfundsfromoneinstitutiontoanother bymeansofelectronicsignalstransmittedbywire ratherthanthephysicalexchangeofsomeothermediumsuchaspaperchecks Words Phrases Checkingaccountbalance支票存款余额EFTS ElectronicFundsTransferSystem电子资金转帐系统tellermachine customerbankcommunicationterminal remoteserviceunit存取款柜员机 顾客 银行通信终端 远程遥控现金收付机ATM automat
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