book 2Unit 2 Bppt课件

.,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,payingbillsbymobilebankingisntpractical.Internetbankingontheotherhandgivesaccesstoabroaderrangeofservices.Theseservicesincludechangingaccountdetailslikeaddress,andpassword,EFT,arrangingbillpaymentsordirectdebits,andperformingaccountinquiries.,.,accounts帐户,Customersgenerallyvisitabankfortworeasons.Thefirstistoborrowmoneytopurchaseanitem,whichmightcostmorethantheirmonthlyincome.Thesecondistodeposittheirmoneyinthebankforsafe-keeping.Thismoneyiskeptinabankaccount,andascompensationfortheuseofthecustomersmoneythebankpaysinteresttothecustomer.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,asitwillonlybepaidifthecustomersaccounthassufficientfundstocoverthespecifiedamountofthecheck.,.,Creditcards信用卡,usuallyissuedbybanks,aregrantedtopersonsforborrowingmoney,orbuyingproductsandservices,butallowingdelayedpayment.Putsimply,creditcardsarebuynow,paylater.SomeofthemorewidelyknowncardnamesincludeMasterCard,Visa,AmericanExpress,andGreatWall.Creditcardsarenottobeconfusedwithchargecards,suchasdepartmentstorecards,whichrequirefullpaymentofthebalancebeforetheendofthebillingperiod.Itisnotalineofcreditandnointerestischarged.Ithasbeenestimatedthatthereareapproximately500millioncreditcardsinuseworldwide,whichconfirmsthepopularityofthisformofconsumercredit.,.,Questionsofthetext,Doyouthinkthatmoneywillnolongerexist?WhatisEFTS?Howmanypartsdoesithave?Whatarethey?Whatstheexactfunctionoftellermachines?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:automate