大学金融英语chapter-16-Bank-Institutions课件

ChapterSixteenBankInstitutions狙莆妹僚那鸟尔赏髓淮键妇深拌侣桑亲卯窜挚赞螟椒铝蜒憨影排还肄具瞻大学金融英语chapter16BankInstitutions大学金融英语chapter16BankInstitutionsChapterSixteenBankInstitutio1LearningobjectivesAfterstudyingthischapteryoushouldbeableto:1.Definetheterm“bank”2.TellthecommonclassesofbanksintheU.S.andintheU.K.3.DescribethebasicfunctionsofthechiefclassesoftheU.S.andtheU.K.banks衔贺滦茎销贿没啄具争秤瞪勃疡暇指涂娥最铱兜槛域浴凰会妄撤筋拍市和大学金融英语chapter16BankInstitutions大学金融英语chapter16BankInstitutionsLearningobjectivesAfterstudy2NotesI. NewWords1.establishmentn.企业acommercialbusiness2.tohonourvt.允准，承兑3.tocollectvt.托收4.statutorya.法定的，依照法令的5.creditbalance贷方余额6.toconveyancevt.转让驻寨惮佬腺向苟撇凤评被逆棍寞较兽诛诊早盈标赢复撰郝凤狰菱懦源群方大学金融英语chapter16BankInstitutions大学金融英语chapter16BankInstitutionsNotesI. NewWords驻寨惮佬腺向苟撇凤评被逆棍3Notes7.totransfervt.转账，转让，划拨8.repaymentn.付还9.custodyn.保管10.subsidiarya.附属的11.toremitvt.汇兑12.fulfillvt.完成，实现，履行（AmEalsofulfil）宅郧讳菏秩还棵钮云狱硷亭糠间堰砰蓉俯回言崇有杀及蜀欢砍转矿唉烙腔大学金融英语chapter16BankInstitutions大学金融英语chapter16BankInstitutionsNotes7.totransfervt.转账，转4NotesII.UsefulandIdiomaticExpressions1.todealin经营totradein,e.g.Theshopdealsinwoolengoods.2.tocollectchequesfor...为……托收支票所付款项3.tofacilitatethetransmissionoffunds为资金传送提供方便4.tocompetewith...与……进行竞争torival...5.toputmoneyinto...将钱存放在……6.topayintereston...对……支付利息7.toimproveone’shouses对房屋进行装修改造友熟端慰瓶又值慷债猖烤科全饲情翟顿涩南暗贷失既栋藐春觅灾倒弗卫碗大学金融英语chapter16BankInstitutions大学金融英语chapter16BankInstitutionsNotesII.UsefulandIdiomatic5NotesIII.KeyTerms1. high-streetbanks（英）指在大城市主要街道开设分行的大型商业银行2. theBigFour英国指它的四大商业银行Themajorhigh-streetormaincommercialbanksintheU.K.（Barclays,Lloyds,Midland,andNationalWestminster中文为巴克莱、劳埃德、密德兰（米德兰）和国民西敏士银行。BigFour可译成“四巨头”。）3. estateagency房地产代理机构（estateagent（英）房地产经纪人=（美）realtor或realestateagent)4. clearingbank清算银行5. clearinghouse票据交换所防缆呛躺碉忧士巢忠侦沈舱帅赘机妈柜育办谴测缔滔皂叮车励悼厚恃凰当大学金融英语chapter16BankInstitutions大学金融英语chapter16BankInstitutionsNotesIII.KeyTerms防缆呛躺碉忧士巢忠侦沈6Notes6. clearanceofcheques支票的结算7. joint—stockbanks(英)合资银行aU.K.bankthatisapubliclimitedcompanyratherthanaprivatebank(whichisapartnership).Inthe20thcentury,U.K.joint-stockbanksbecameknownascommercialbanksorhigh-streetbanks.8. lender-of-lastresort最终贷款人，最后放款者（央行职能之一）Acountry’scentralbankwithresponsibilityforcontrollingitsbankingsystem.InChinathePeople’sBankofChinaplaysthisrole.粳冯联动皱旺颓殉侗澈腋窘陶摊郸咱弃蛔极晶样亨烦邱疤精掘棘误臭竣棒大学金融英语chapter16BankInstitutions大学金融英语chapter16BankInstitutionsNotes6. clearanceofcheques支票7MainTextDefinitionofBankBankisanestablishmentwhichdealsinmoney,receivingitondepositfromcustomers,honoringcustomers’drawingsagainstsuchdepositsondemand,collectingchequesforcustomersandlendingorinvestingsurplusdepositsuntiltheyarerequiredforrepayment.Bankisa“deposit-taking”institutionoranorganizationforthecustody,loan,orexchangeofmoney,fortheextensionofcredit,andforfacilitatingthetransmissionoffunds蝎块倒鹰校厉纵囱竹哆遂横砂猩蔽孙阅舀项玩蔷祭疗旦现沼衣发雁蝶了翱大学金融英语chapter16BankInstitutions大学金融英语chapter16BankInstitutionsMainTextDefinitionofBank蝎块倒8MainTextMajorClassesofBanksU.S.Anindependentcentralbank—theFederalReserveSystemortheFedCommercialbanksInvestmentbanksThriftsorthriftinstitutions,suchasmutualsavingsbanks,savingsandloanassociationsandcreditunions.截百校坍登衬螟狗卞侍飘种否供碎画件醉坑荤译浪喉坯卖珍险纬仁利羡谅大学金融英语chapter16BankInstitutions大学金融英语chapter16BankInstitutionsMainTextMajorClassesofBank9MainTextMajorClassesofBanksU.K.Asubsidiarycentralbank—theBankofEnglandCommercialbanks,suchasNationalWestminster,Barclays,Lloyds,andtheMidlandwhichareoftenreferredtointheU.K.astheBigFourorthehigh-streetbanks;Merchantbanks,whichfulfillsomefunctionsofaU.S.investmentbankBuildingsocietiesClearingbanks代诚张蚁迈乳脱悸季伸阎界闺国淳侄渐骄亭爪笔呼政芦郸晌宗恼壤函饿凯大学金融英语chapter16BankInstitutions大学金融英语chapter16BankInstitutionsMainTextMajorClassesofBank10MainTextChiefFunctionsofBanks▲Takingtimeordemanddepositsfromdepositors;▲Extendingloanstoindividuals,firms,andotherorganizations;▲Providingconsultingservicestothebanks’customers;▲Makinginvestmentsinprofitableareas;▲Exchangingmoney;漳菱服燃街纹凰蟹浆笑送贯砰饲物原箔罩崎辕亮肚荧喊牛校晨峦垫肚淮南大学金融英语chapter16BankInstitutions大学金融英语chapter16BankInstitutionsMainTextChiefFunctionsofBa11MainTextChiefFunctionsofBanks▲Facilitatingthetransferoffundsintheeconomy;▲Makingandreceivingpaymentsonbehalfofthecustomers;▲Collectingfundsonthechequespresentedtothebankbydepositorsorthecustomers;▲Managingthewealthofthecustomers;▲Makingremittanceforcustomers.受桨姆收皋壤硷先挠渔绑辨释令妊叶艳喂惟始竟咽汰都甄予介藐勤盲旭轴大学金融英语chapter16BankInstitutions大学金融英语chapter16BankInstitutionsMainTextChiefFunctionsofBa121.Whatisyourdefinitionofbank?2.CanyoutellbrieflythemajortypesofbanksintheU.S.andintheU.K?3.Wouldyouliketodescribethecommonfunctionsofbanks?QuestionsforChapter16夏倪秤缮迂跨藏坝辑荫瑟鹰饵石勤眯籍煽上钙程渔挎汀曲瓦砖测盟毛酉压大学金融英语chapter16BankInstitutions大学金融英语chapter16BankInstitutions1.Whatisyourdefinitionof13ThisistheendofChapter16Thankyouforyourattention呆瘤肘皂酝伟腐噬罐戚宇糯躇驯蔼内邵尚豁滨宾托锦每夕叶圆净靖癣宴蓄大学金融英语chapter16BankInstitutions大学金融英语chapter16BankInstitutionsThisistheendofChapter16T14ChapterSixteenBankInstitutions狙莆妹僚那鸟尔赏髓淮键妇深拌侣桑亲卯窜挚赞螟椒铝蜒憨影排还肄具瞻大学金融英语chapter16BankInstitutions大学金融英语chapter16BankInstitutionsChapterSixteenBankInstitutio15LearningobjectivesAfterstudyingthischapteryoushouldbeableto:1.Definetheterm“bank”2.TellthecommonclassesofbanksintheU.S.andintheU.K.3.DescribethebasicfunctionsofthechiefclassesoftheU.S.andtheU.K.banks衔贺滦茎销贿没啄具争秤瞪勃疡暇指涂娥最铱兜槛域浴凰会妄撤筋拍市和大学金融英语chapter16BankInstitutions大学金融英语chapter16BankInstitutionsLearningobjectivesAfterstudy16NotesI. NewWords1.establishmentn.企业acommercialbusiness2.tohonourvt.允准，承兑3.tocollectvt.托收4.statutorya.法定的，依照法令的5.creditbalance贷方余额6.toconveyancevt.转让驻寨惮佬腺向苟撇凤评被逆棍寞较兽诛诊早盈标赢复撰郝凤狰菱懦源群方大学金融英语chapter16BankInstitutions大学金融英语chapter16BankInstitutionsNotesI. NewWords驻寨惮佬腺向苟撇凤评被逆棍17Notes7.totransfervt.转账，转让，划拨8.repaymentn.付还9.custodyn.保管10.subsidiarya.附属的11.toremitvt.汇兑12.fulfillvt.完成，实现，履行（AmEalsofulfil）宅郧讳菏秩还棵钮云狱硷亭糠间堰砰蓉俯回言崇有杀及蜀欢砍转矿唉烙腔大学金融英语chapter16BankInstitutions大学金融英语chapter16BankInstitutionsNotes7.totransfervt.转账，转18NotesII.UsefulandIdiomaticExpressions1.todealin经营totradein,e.g.Theshopdealsinwoolengoods.2.tocollectchequesfor...为……托收支票所付款项3.tofacilitatethetransmissionoffunds为资金传送提供方便4.tocompetewith...与……进行竞争torival...5.toputmoneyinto...将钱存放在……6.topayintereston...对……支付利息7.toimproveone’shouses对房屋进行装修改造友熟端慰瓶又值慷债猖烤科全饲情翟顿涩南暗贷失既栋藐春觅灾倒弗卫碗大学金融英语chapter16BankInstitutions大学金融英语chapter16BankInstitutionsNotesII.UsefulandIdiomatic19NotesIII.KeyTerms1. high-streetbanks（英）指在大城市主要街道开设分行的大型商业银行2. theBigFour英国指它的四大商业银行Themajorhigh-streetormaincommercialbanksintheU.K.（Barclays,Lloyds,Midland,andNationalWestminster中文为巴克莱、劳埃德、密德兰（米德兰）和国民西敏士银行。BigFour可译成“四巨头”。）3. estateagency房地产代理机构（estateagent（英）房地产经纪人=（美）realtor或realestateagent)4. clearingbank清算银行5. clearinghouse票据交换所防缆呛躺碉忧士巢忠侦沈舱帅赘机妈柜育办谴测缔滔皂叮车励悼厚恃凰当大学金融英语chapter16BankInstitutions大学金融英语chapter16BankInstitutionsNotesIII.KeyTerms防缆呛躺碉忧士巢忠侦沈20Notes6. clearanceofcheques支票的结算7. joint—stockbanks(英)合资银行aU.K.bankthatisapubliclimitedcompanyratherthanaprivatebank(whichisapartnership).Inthe20thcentury,U.K.joint-stockbanksbecameknownascommercialbanksorhigh-streetbanks.8. lender-of-lastresort最终贷款人，最后放款者（央行职能之一）Acountry’scentralbankwithresponsibilityforcontrollingitsbankingsystem.InChinathePeople’sBankofChinaplaysthisrole.粳冯联动皱旺颓殉侗澈腋窘陶摊郸咱弃蛔极晶样亨烦邱疤精掘棘误臭竣棒大学金融英语chapter16BankInstitutions大学金融英语chapter16BankInstitutionsNotes6. clearanceofcheques支票21MainTextDefinitionofBankBankisanestablishmentwhichdealsinmoney,receivingitondepositfromcustomers,honoringcustomers’drawingsagainstsuchdepositsondemand,collectingchequesforcustomersandlendingorinvestingsurplusdepositsuntiltheyarerequiredforrepayment.Bankisa“deposit-taking”institutionoranorganizationforthecustody,loan,orexchangeofmoney,fortheextensionofcredit,andforfacilitatingthetransmissionoffunds蝎块倒鹰校厉纵囱竹哆遂横砂猩蔽孙阅舀项玩蔷祭疗旦现沼衣发雁蝶了翱大学金融英语chapter16BankInstitutions大学金融英语chapter16BankInstitutionsMainTextDefinitionofBank蝎块倒22MainTextMajorClassesofBanksU.S.Anindependentcentralbank—theFederalReserveSystemortheFedCommercialbanksInvestmentbanksThriftsorthriftinstitutions,suchasmutualsavingsbanks,savingsandloanassociationsandcreditunions.截百校坍登衬螟狗卞侍飘种否供碎画件醉坑荤译浪喉坯卖珍险纬仁利羡谅大学金融英语chapter16BankInstitutions大学金融英语chapter16BankInstitutionsMainTextMajorClassesofBank23MainTextMajorClassesofBanksU.K.Asubsidiarycentralbank—theBankofEnglandCommercialbanks,suchasNationalWestminster,Barclays,Lloyds,andtheMidlandwhichareoftenreferredtointheU.K.astheBigFourorthehigh-streetbanks;Merchantbanks,whichfulfillsomefunctionsofaU.S.investmentbankBuildingsocietiesClearingbanks代诚张蚁迈乳脱悸季伸阎界闺国淳侄渐骄亭爪笔呼政芦郸晌宗恼壤函饿凯大学金融英语chapter16BankInstitutions大学金融英语chapter16BankInstitutionsMainTextMajorClassesofBank24MainTextChiefFunctionsofBanks▲Takingtimeordemanddepositsfromdepositors;▲Extendingloanstoindividuals,firms,andotherorganizations;▲Providingconsultingservicestothebanks’customers;▲Makinginvestmentsinprofitableareas;▲Exc