财经岗位英语课件

FINANCIALENGLISH

财经岗位英语

目录PartIBANKINGSERVICE

Unit1ENQUIRYDESK

Unit2OPENINGANACCOUNT

Unit3ASKINGFORALOAN

Unit4MONEYEXCHANGE

目录PartIIINSURANCEMARKETING

Unit5INSURANCECONSULTATION

Unit6LIFE&.HEALTHINSURANCE

Unit7PROPERTYINSURANCE

Unit8 CREDITINSURANCE

目录PartIIISECURITIESBUSINESS

Unit9STOCKINVESTMENT

Unit10FUND

Unit11BOND

Unit12DEALINFUTURE

目录PartIVFINANCIALANALYSIS

Unit13FINANCIALRESOURCES

Unit14ONLINETRADING

Unit15FINANCIALCRISIS

Unit16FINANCIALPREDICTION目录PartVPRACTICALACCOUNTING

Unit17OVERVIEWOFACCOUNTING

Unit18BALANCESHEET

Unit19INCOMESTATEMENT

Unit20CASHFLOW

Unit1ENQUIRYDESK

LearningObjectivesToknowtheimportanceoftheenquirydeskinabankToexplainthecyclesfortheinformationenquiriesTolearntheusefulexpressionsforgreetingTopracticethebasicskillsforofferinghelpattheenquirydeskUnit1ENQUIRYDESKSituationalDialogues

Dialogue1 GreetingsinabankDialogue2 WhereisATMnearby?Dialogue3 SomethingaboutTimeDepositsDialogue4 InquiryaboutTraveler’sCheckDialogue5 SendingmoneyabroadUnit1ENQUIRYDESKKeyWordsandExpressions

depositn.储蓄 ATM自动取款机withdrawv.取钱

timecertificatesofdeposit定期存款单raten.（利息等的）费率 interestn.利息regulardeposits定期存款 accountn.账目maturityn.（票据等的）到期bulletinboard（电子）公告牌lobbyn.大堂 determinev.终结，了结rateofreturn收益率 customern.客户renewv.补充 inquirev.询问functionn.功能 cashn.现金Unit1ENQUIRYDESKconvenienta.方便的 unionpay银联卡virtuen.优点convertiblea.（货币）可以自由兑换的exchangerate汇率restassuredof放心chargen.费用 commissionn.手续费proceduren.程序 currencyn.货币depositn.储蓄D/Ddemanddraft即期汇票issuev.发行 remittancen.汇款T/Ttelegraphictransfer电汇M/Tmailtransfer信汇，邮汇tickoff打钩Unit1ENQUIRYDESKProfessionalReading1.TheBasicFunctionofBanks

2.BankServices

3.BankAccounts

Unit1ENQUIRYDESKNotes1、Banksweredevelopedtokeeppeople’smoneysafeandtomakeitavailablewhentheyneededit.开办银行是为了稳妥地保管人们的钱财，使他们在需要时能随时提取。2、Amodernbankacceptspeople’smoneyforsafe-keeping.现代银行从客户手中吸收货币并加以妥善保管。3、Itisn’tconvenientforhimtosendmoneythroughthemail,sohegoestothebankandopensacheckingaccount.通过邮局汇款使他感到不方便，因此，他到银行开了一个支票账户。

Unit1ENQUIRYDESK4、checkingaccount支票账户5、cash 兑现6、theloandepartment贷款部7、Witharegularpassbooksavingsaccountyouhaveopenedinabank,youwillbeabletodrawmoneywheneveryouneedit.有了银行开立的普通储蓄账户存折，你就可以随时取款。8、savingscertificate 储蓄存单9、valuables 贵重物品Unit1ENQUIRYDESK10、Ifyourcreditisnotgood,thebankwillnotgiveyouacreditcard,buttheseservicesdonotprovideamajorsourceofincomeforthebank.现在，银行的绝大部分收入来源是通过发放贷款获得的，主要是向企业，也向购买住房的个人发放。11、currentaccounts 往来账户12、depositaccounts 存款账户13、Therearebankchargesforcurrentaccounts,butifyouraccountremainsincredityouneedtopaynochargesatall.也有的银行对往来账户收取手续费，但对有贷方余额的账户是不收费的。14、checkbook 支票15、debit 赊账16、keeparecordoftransactionsonthecounterfoilorstub保存好每笔交易记录的支票存根或票根Unit1ENQUIRYDESKWordsBanks银行术语现金业务cashbusiness转账业务transferbusiness汇兑业务currencyexchangebusiness委托收款commissionreceivables发放贷款loans

贷款收回loanrecovery贷款展期loanextension

办理银行汇票applyforbankdrafts收息interest

托收collection帐目编号accountnumber

存户depositor存款单pay-inslip

Unit1ENQUIRYDESK存款单adepositform自动存取机abandingmachine

存款todeposit存款收据depositreceipt

私人存款privatedeposits存单certificateofdeposit存折depositbook,passbook信用卡creditcard本金principal透支overdraft,overdraw

双签tocountersign兑现tocash

兑付tohonoracheck拒付todishonoracheck止付tosuspendpaymentUnit1ENQUIRYDESK支票check 支票本checkbook记名支票ordercheck不记名支票bearercheck横线支票crossedcheck空白支票blankcheck空头支票rubbercheck票根checkstub,counterfoil现金支票cashcheck 旅行支票traveler’scheck转帐支票checkfortransfer 未付支票outstandingcheck已付支票canceledcheck伪支票forgedcheck庄票，银票Bandar’snote银行家banker行长president储蓄银行savingsbankUnit1ENQUIRYDESK贴现银行discountbank汇兑银行exchangebank委托开证银行requestingbank开证银行issuingbank,openingbank通知银行advisingbank,notifyingbank议付银行negotiationbank保兑银行confirmingbank

付款银行payingbank代收银行associatebankerofcollection本地银行localbank委托银行consignedbankerofcollection信托公司trustcompany清算银行clearingbank 信托储蓄银行trusteesavingsbank中央银行centralbank,nationalbank发行币银行bankofissue,bankofcirculation储蓄信贷银行commercialbank 储蓄信贷银行memberbank,creditbank Unit2OPENINGANACCOUNT

LearningObjectivesToknowtheimportanceofbankprofessionToexplaintheprocedureofopeninganewaccountTolearntheusefulexpressionsforopeninganaccountTopracticethebasicskillsforopeninganaccountUnit2OPENINGANACCOUNTSituationalDialogues

Dialogue1OpeningacurrentsavingaccountDialogue2OpeningafixeddepositaccountDialogue3OpeningaforeigncurrencydepositaccountDialogue4OpeningacheckingaccountUnit2OPENINGANACCOUNTKeyWordsandExpressions

currentsavingaccount活期存款账户fixedsavingaccount定期存款账户foreigncurrencyaccount外汇账户checkaccount支票账户depositterm存款时间maturity到期undergotheformalities办理业务assetsn.资产depositn.定金individualsn.个人e-bankingservice网上银行服务depositbook存折depositamount存款数目foreigncurrencyexchange外币兑换remittancen.汇款chargen.费用Unit2OPENINGANACCOUNTwithdrawvt.取款emergencyn.紧急情况passwordn.密码securityguarantee安全保证foreigncurrencydepositaccount外汇定期存款账户accountenquiry账户咨询statedinterestreturn固定利息收益phone-bankingservice电话银行服务advancedsecuritytool高级安全工具foreigncurrency外汇fundbusiness基金业务lobbyn.休息大厅billpayment账单支付endorsethecheck.支票背书remindvt.提醒hot-line热线Unit2OPENINGANACCOUNTProfessionalReading1.Currentdepositaccount2.Fixeddepositaccount3.Checkingaccount

4.Timedepositaccount5.MoneyMarketAccountUnit2OPENINGANACCOUNTNotes1、CurrentDepositAccount

活期存款账户2、Demanddepositinterest活期存款利息3、Thedepositwillthengenerallybemadeavailabletothecustomerforwithdrawalatanytimeandwithoutanearlywithdrawalpenalty.客户可以在任何时间提取存款，提前提取存款没有罚款。4.Theinterestrateisfixedforthefullperiodofyourinvestment.在你整个投资期间，利率是固定的。5、Youcannotwithdrawfundsfromyourfixeddepositaccountduringtheperiodoftheinvestment；在存款期间，你不能从定期存款账户中提取资金；6、Corporateentities法人实体7、Non-profitorganizations非盈利组织8、Setasidefunds分派资金Unit2OPENINGANACCOUNT9.ThetimeDepositisamethodofbankdepositwithadefinitedateofmaturity,madeforonetimeorbymanytimesonschedule（duringtheappointeddepositterm），orwithdrawntogetherwiththeinterestinalumpsumorbyinstallment.

定期储蓄是在存款时约定存期，一次或按期分次（在约定存期）存入本金，整笔或分期支取本金利息的一种储蓄形式。10.Accordingtothewayofdepositandwithdrawal,thetimedeposithasthefollowingcategories:lump-sumdeposit&withdrawing,smallsavingsforlump-sumwithdrawal,interestwithdrawalonaprincipaldeposited,bigmoneysavingandsmallwithdrawingtimedeposit,etc.

按存取方式定期储蓄分为整存整取定期储蓄存款、零存整取定期储蓄存款、存本取息定期储蓄存款、整存零取定期储蓄存款等。Lump-sumdeposit整存Unit2OPENINGANACCOUNT12.Lump-sumsavingforsmallwithdrawaltimedepositreferstosavingsdepositwhoseprincipalisdepositedatatimewiththeminimumamountof1,000RMBYuan.Thematuritiesrangefromthreegrades:1year,3yearsand5years.

整存零取定期储蓄存款是指一次存入本金，起存金额为1,000元人民币，存期分一年、三年、五年的一种储蓄存款形式。13.Lump-sumsavingforsmallwithdrawaltimedeposithasthecharacteristicsoflongmaturityandhighinterestrate,andsuitablefordepositingofsavingsthatwillnotbeusedwithinaquitelongperiodoftime.

整存零取定期储蓄存款具有期限长、利率高的特点，适用于较长时期不用的节余款项的存储。Themoneymarketiswhereinvestorstradelow-risk,short-terminvestmentssuchasshort-termbondsissuedbylargecorporationsandthefederalgovernmenttofinanceshortexpenses.货币市场是投资人交易低风险、短期投资的地方，例如大企业和联邦政府为短期融资发行的短期债券。Unit2OPENINGANACCOUNTWordsBanks账户术语活期存款账户currentaccount定期存款账户timedepositaccount商业账户businessaccount银行结算账户banksettlementaccount监管账户custodialaccount混合账户combinedaccount支票账户checkingaccount通知存款账户calldepositaccount现金账户cashaccount有息存款单账户certificateofdepositaccount信用账户creditaccount应急账户contingencyaccount存款账户depositaccount现汇账户exchangeaccount托管账户escrowaccount期货账户forwardaccount资金筹集账户fundraisingaccount一般存款账户generaldepositaccountUnit2OPENINGANACCOUNT综合账户integratedaccount综合管理账户integratedmanagementaccount投资账户investmentaccount个人退休金账户individualretirementaccount联合账户jointaccount保证金账户marginaccount多选项账户multipleoptionaccount离岸准备金账户offshoreaccount最佳账户optimumaccount首选账户premieraccount优利账户premiumaccount个人账户personalaccountUnit2OPENINGANACCOUNT合伙账户partnershipaccount工资账户payrollaccount公积金账户reserveaccount储蓄账户savingsaccount分立账户separateaccount月结单储蓄账户statementsavingsaccount储蓄存折账户savingspassbookaccount专用存款账户specialdepositaccount临时存款账户temporarydepositaccount遗嘱账户testamentaryaccountUnit2OPENINGANACCOUNT外币活期账户foreigncurrencycurrentaccount外币结算账户foreigncurrencysettlementaccount外币现钞定期存款账户foreigncurrencycashtimedepositaccount外币现汇通知存款账户foreigncurrencyexchangecalldepositaccount外币储蓄账户foreigncurrencysavingsaccount外币定期存款账户foreigncurrencyfixedtermdepositaccount外币活期通知存款账户foreigncurrencycalldepositaccountUnit3ASKINGFORALOAN

LearningObjectivesToknowtheimportanceofloanprofessionToexplaintheprocedureofapplyingforaloanTolearnthebusinessofremittanceandcashingTopracticethebasicskillsforloanbusinessUnit3ASKINGFORALOANSituationalDialogues

Dialogue1PersonalloanDialogue2HousingmortgageloanDialogue3RemittanceDialogue4CashingtheremittanceUnit3ASKINGFORALOANKeyWordsandExpressionsgeneralterms基本条款principaln.本金defaultv.违约，拖欠creditscore信用记录intendto打算做某事mortgageloan抵押贷款Housingaccumulationfundloan住房公积金贷款personalcommercialhousingloans个人商业住房贷款personalcompoundhousingloans个人混合住房贷款creditrating信用等级

appraisaln.评估Unit3ASKINGFORALOANdownpayment预付款fluctuatev.波动personalincomecertificate个人收入证明remittancen.汇款martialstatuscertificate婚姻状况证明remitv.汇寄RemittanceExpress特快汇款electronicremittance电子汇款slipn.汇款单servicecommission服务费triplicaten.一式三份remittanceadvice汇款通知单Unit3ASKINGFORALOANProfessionalReading1.Definitionofloans2.Securedloans3.Unsecuredloads

4.Demandsloans5.SubsidizedloansUnit3ASKINGFORALOANNotes1、Financialassets

金融资产2、Asecuredloanisaloaninwhichtheborrowerpledgessomeasset(e.g.acarorproperty)ascollateral.贷款的另一种形式是担保贷款.借款人用车或房子作为抵押.3、Amortgageloanisaverycommontypeofdebtinstrument,usedbymanyindividualstopurchasehousing.

按揭贷款是一种非常常见的债务工具，个人一般都用按揭贷款购买房屋。4.Adirectautoloaniswhereabankgivestheloandirectlytoaconsumer.Anindirectautoloaniswhereacardealershipactsasanintermediarybetweenthebankorfinancialinstitutionandtheconsumer.银行给消费者直接的贷款称为直接贷款。银行给通过汽车销售商的贷款称为间接贷款。Unit3ASKINGFORALOAN5、Unsecuredloansaremonetaryloansthatarenotsecuredagainsttheborrower'sassets

无抵押贷款是贷款的另一种形式，借款人的资产没有进行抵押6、Bankoverdrafts

银行透支7.Creditfacilitiesorlinesofcredit信用额度8、Corporatebonds(maybesecuredorunsecured)（有担保或者没有担保的）公司债券9、Theinterestratesapplicabletothesedifferentformsmayvarydependingonthelenderandtheborrower；贷款人和借款人决定利率的不同10.Ahigherinterestratereflectstheadditionalriskthatintheeventofinsolvency,thedebtmaybeuncollectible.高利率就要承担高风险，一旦破产，债务就不能被收回来了。Unit3ASKINGFORALOAN11.Demandloansareshorttermloansthatareatypicalinthattheydonothavefixeddatesforrepaymentandcarryafloatinginterestratewhichvariesaccordingtotheprimerate.活期贷款是典型的短期贷款，因为他们没有固定的还款日期，根据不同的优惠利率有一个浮动利率。Asubsidizedloanisaloanonwhichtheinterestisreducedbyanexplicitorhiddensubsidy.日记账，也叫原始分录账，是按经济业务发生时间的先后顺序，逐日逐笔登记的账簿。13.InthecontextofcollegeloansintheUnitedStates,itreferstoaloanonwhichnointerestisaccruedwhileastudentremainsenrolledineducation.在美国的一些院校，资助贷款没有利息，资助那些没有能力支付学费的学生。14.Anunsubsidizedloanisaloanthatgainsinterestatamarketratefromthedateofdisbursement.贷款的另一种形式是非资助贷款，这种贷款从支付日开始就计算利息。

Unit3ASKINGFORALOANWordsBanks贷款术语汽车贷款autoloan/carloan银行贷款bankloan企业贷款businessloan过渡性贷款bridgingloan不良信用贷款badcreditloan消费贷款consumerloan不良信用担保贷款badcreditsecuredloan

商业贷款commercialloan商业住房贷款commercialhousingloan便利贷款easyloan房屋贷款homeloan/housingloanUnit3ASKINGFORALOAN固定利率房屋贷款fixedratehomeloan浮动利率房屋贷款floatingratehomeloan

低价贷款lowcostloan住房公积金贷款housingaccumulationfundloan房屋贷款抵押homeloanpledge只付利息贷款interest-onlyloan分期付款贷款installmentloan个人住房贷款individualhousingloan

投资房地产贷款investmentpropertyloan低利率房屋贷款lowinteresthomeloan土地贷款landloanUnit3ASKINGFORALOAN低价担保贷款lowcostsecuredloan中长期贷款medium-term&.long-termloan按揭贷款mortgageloan非按揭贷款non-mortgageloan普通贷款ordinaryloan个人贷款personalloan房地产贷款realestateloan住宅按揭贷款homeimprovementloan二手房贷款second-handpropertyloan/second-handhousingloan担保贷款securedloan私营业主贷款self-employedloanUnit3ASKINGFORALOAN国家助学贷款state-subsidizedstudentloan租房贷款tenantloan可变利率房屋贷款variableratehomeloan短期贷款short-termloan可调整按揭adjustmentmortgage可调利率按揭adjustableratemortgage低于市值的按揭buy-downmortgage商业按揭commercialmortgage活期存折抵押贷款currentaccountmortgage综合按揭blanketmortgage购房出租按揭buytoletmortgageUnit3ASKINGFORALOAN不良信用按揭贷款badcreditmortgage廉价按揭贷款cheapmortgage限额按揭closed-endmortgage现金回赠按揭cash-backmortgage商业按揭commercialmortgage浮动利率按揭floatingratemortgage灵活按揭flexiblemortgage固定还款按揭fixedpaymentmortgage固定利率按揭fixedratemortgage首次购房按揭firsttimebuyermortgage定期贷款termloan抵押贷款securedloan估定的价值appraisedvalueUnit3ASKINGFORALOAN长期客户long-standingcustomer助学贷款studentloan最高额度maximumamount贷款部loandepartment信贷员loanofficer贷款申请书loanapplicationform项目贷款projectloan抵押品collateral资信情况creditstanding不动产realestate信贷部creditandloandepartmentUnit4MONEYEXCHANGE

LearningObjectivesToknowthemoneyexchangeprocedureToexplainhowtoreportalostcardTolearntheusefulexpressionsfordealingwithcounterfeitnotesTopracticethebasicskillsformoneyexchangeUnit4MONEYEXCHANGE

SituationalDialogues

Dialogue1 USdollars&RMBexchangeDialogue2CashtheTraveler’scheckDialogue3FillouttheexchangeformDialogue4 ReportingalostcardDialogue5 ConfiscatingcounterfeitnotesUnit4MONEYEXCHANGE

KeyWordsandExpressions

authorizevt.授权，批准 exchangeraten.汇率 passportn.护照exchangereceipt兑换收据 memon.备忘录

unusedadj.未用过的；空着的PINnumber卡证密码credentialn.凭据cancelvt.取消，注销temporarilyadv.暂时的 Unit4MONEYEXCHANGE

applicationn.申请 identitycertificate身份证明书 renewvt.重新开始 considerateadj.体贴的ClientServiceCenter客服中心confiscatevt.没收counterfeitnotes假钞passbookn.存款记录薄 regulationn.管理，规章 receiptn.收据，发票cardissuinginstitution信用卡发行机构EmergencyAssistanceService紧急援助服务ClientServiceCenterofBankofChina中国银行客户服务中心Unit4MONEYEXCHANGE

ProfessionalReading

MoneyandMoneyExchange1.TheFunctionofMoney

2.MoneyExchange3.InterestandInterestRate

4.ForeignExchangeRate

Unit4MONEYEXCHANGE

Notes1、mediumofexchange 交易媒介2、standardofvalue 价值标准3、standardofdeferredpayment赊账标准4、storeofvalue 价值储备5、Barterisaveryinconvenientmeansoftradingbecauseitrequiresthedoublecoincidenceofwants.

物物交换是一种很不方便的交易方式，因为买卖双方的需要都能吻合才行。Unit4MONEYEXCHANGE

6、Ifyou’relikemostpeople,you’llprobablyrespondtosuchaquestionbyvaluingthevacationindollars-way$2,000-ratherthanintermsofotherthings(likeyourcar).如果你像大多数人一样，也许你若回答这类有关价值的问题，你会用钱数来回答，比如你回答说$2000，而不会用其他东西的（例如汽车）的数字来回答。7、deferredpaymentofdebts 分期付款债务Unit4MONEYEXCHANGE

8、Ifyouborrowmoneytobuyacar,theloancontractspecifieshowmuchyoumustpaybackeverymonthandthenumberofmonthsrequiredtosatisfyyourobligation.如果你贷款去买一辆汽车，那么借贷合同上就规定了你每月要偿还多少钱，规定了你偿清债务所需的月份。9、Moneyastheactualmediumofexchangeiscompletelyliquid,meaningitcanimmediatelybeconvertedtogoodsandserviceswithoutanyinconvenienceorcost.金钱既然是实际上的交易媒介，它是完全可以流通的。也就是说金钱可以立即转换成任何商品或任何劳务而不会有任何不便之处，不须付出任何代价。Unit4MONEYEXCHANGE

10、liquidatingotherassets 支出附加费用11、transactioncosts 交易费用12、pound英镑mark马克peso比索

lira里拉franc 法郎13、nterest 利息interestrate利率14、thePeople’sBankofChina 中国人民银行I5、AllthespecializedbanksandotherfinancialinstitutionshavetoimplementtheinterestratestipulatedbytheStateCouncil.所有专业银行和其他金融机构必须执行国务院制订的利率。16、foreignexchangerate 外汇汇率17、、fluctuation 波动18、、viability生命力Unit4MONEYEXCHANGE

WordsBanks外汇与汇率术语通汇合约

AgencyAgreement

通汇银行

CorrespondentBank

商业汇票

CommercialBillofExchange银行支票

Banker’sCheck国外汇票

ForeignBillofExchange 关键货币

KeyCurrency

汇率

ExchangeRate 直接标价法

DirectQuotation间接标价法

IndirectQuotation 汇价点

Point买入汇率

BuyingRate 卖出汇率

SellingRate中间汇率

MedialRate 现钞汇率

BankNoteRate即期汇率

SpotRate 远期汇率

ForwardRateUnit4MONEYEXCHANGE基本汇率

BasicRate 套算汇率

CrossRate固定汇率

FixedRate 浮动汇率

FloatingRate可调整的钉住

AdjustablePeg

单一汇率

SingleRate

复汇率

MultipleRate 贸易汇率

CommercialRate金融汇率

FinancialRate

交叉汇率

CrossRate远期差额

ForwardMargin 升水

Premium贴水

Discount 平价

AtPar固定汇率制度

FixedExchangeRateSystem金本位

GoldStandard纸币PaperMoney Unit4MONEYEXCHANGE贴现率

DiscountRate浮动汇率制度

FloatingExchangeRateSystem自由浮动汇率

FreelyFloatingExchangeRate管理浮动汇率

ManagedFloatingExchangeRate单独浮动汇率

SingleFloatingExchangeRate

联合浮动汇率

JointFloatingExchangeRate

钉住汇率制

PeggedExchangeRate

区域性货币一体化

RegionalMonetaryIntegration欧洲货币体系

EuropeanMonetarySystem(EMS)欧洲货币单位

EuropeanCurrencyUnit(ECU)Unit5INSURANCECONSULTATION

LearningObjectivesToknowtheimportanceofinsuranceToexplainthetypesofinsuranceTolearntheusefulexpressionsforinsuranceTopracticethebasicskillsforsellinganinsuranceUnit5INSURANCECONSULTATION

SituationalDialogues

Dialogue1ConsultingabouttheimportanceofinsuranceDialogue2TheoptionsofinsuranceDialogue3SkillsrequiredasinsuranceprofessionalsDialogue4ApplyingforthepositionofaninsuranceagentUnit5INSURANCECONSULTATION

KeyWordsandExpressions

insurance n.保险fileaclaim提出索赔financialplanning理财规划 substantialadj.大量的 transferrisk转移风险 out-of-pocketexpenses现金支付费用dynamic充满活力的policy n.保单guaranteev.保障premiumn.保费cover v.承保n.承保范围

coveragen.承保范围Unit5INSURANCECONSULTATION

appointment n. 预约protectionn.保护personalinsurance人身保险 propertyinsurance财产保险liabilityinsurance责任保险healthinsurance 健康保险creditinsurance信用保险insuranceagent保险代理 InsuranceBroker保险经纪人 assetmanager资产经理 actuaryn.保险精算师sleazyadj.庸俗的stereotypen.成见Unit5INSURANCECONSULTATION

ProfessionalReadingTheOverviewofInsurance

LifeinsurancePropertyinsuranceHealthInsuranceAutoInsuranceUnit5INSURANCECONSULTATION

Notes1、Itisaformofriskmanagement,whereonecanstayclearfrombumpingintoinconceivablelosses.它是一种风险管理，人们能够从而远离遭受到不可思议的损失。2、riskmanagement风险管理3、Insuranceisdefinedastheequitabletransferoftheriskofaloss,fromoneentitytoanother,inexchangeforapremium.保险定义为公平转移风险损失，从一个实体到另一个，换取保费。4、Policyholders投保人；保险客户5、theinsured被保险人6、coverage承保范围；承保险别7、aninsurancerate保险费率Unit5INSURANCECONSULTATION

8、Lifeinsuranceprovidesamonetarybenefittoadecedent'sfamilyorotherdesignatedbeneficiary.人寿保险给逝者的家属或其他指定受益人提供金钱补助。9、Thismayincludespecializedformsofinsurancesuchasfireinsurance,floodinsurance,earthquakeinsurance,homeinsurance。这有可能会包括特殊形式的保险比如火灾保险、洪水保险、地震保险和住家险。10、theprescribedmedicalexpenses规定的医疗费用Insurancepolicyisadocumentsettingouttheexacttermsandconditionsofaninsurancetransaction.保险单是保险人签发的一种单证，它严格地规定了一笔保险业务的条款和条件。Unit5INSURANCECONSULTATION

11、Ifanylossordamageoccurs,theinsuredlodgeaclaimandtheclaimistobesupportedbythenecessarydocuments,suchasinsurancepolicy,surveyreport.如果出现损失或灾难，被保险人可以提出理赔。办理赔付时，需有保险合同和调查报告等必要的文件。12、Analyticalskills分析技能13、Abilitytosynthesize综合的能力Unit5INSURANCECONSULTATION

WordsBanks

保险术语保险精算师Actuary保险代理InsuranceAgent保险经纪人InsuranceBroker服务代表ServiceRepresentatives损失控制专家LossControlSpecialist风险经理RiskManager累积结余accumulatedvalue

全险allrisks

年金annuity

比例计算法average

条文averagecondition受益人beneficiarUnit5INSURANCECONSULTATION改善betterment保险凭证certificateofinsurance赔偿claim损害赔偿合约contractofindemnity间接损失consequentialloss分摊contribution互有疏忽contributorynegligence参与供款计划contributoryplan冷静期cooling-offperiod保障范围cover承保单附条文收据covernoteconditionalreceipt客户保障声明书customerprotectiondeclarationform

Unit5INSURANCECONSULTATION自付额/免赔额deductible界定福利计划definedbenefitplan重复补偿doubleindemnity

批单endorsements储蓄保险endowmentinsurance不受保项目exceptions自付额excess不受保项目exclusion起赔额（率）franchise不可争议条款incontestabilityprovision

Unit5INSURANCECONSULTATION可保权益insurableinterest中间人intermediary

儿童保险单juvenileinsurancepolicy雇员征费levy

有限责任limitsofliability理赔师lossadjuster

恶意破坏maliciousdamage重大转变materialchanges

重要事实materialfact期满maturity

期满日maturitydate

Unit5INSURANCECONSULTATION指定风险保险namedperilpolicy疏忽negligence缴清保单paid-uppolicy个人责任personalliability保单policy保单附加条款policyrider保单现金提取条款policywithdrawalprovision保费premium第一受益人primarybeneficiary公众责任publicliability

附加保障riderUnit5INSURANCECONSULTATION标准风险standardrisks次标准风险substandardrisks投保额suminsured第三者thirdparty第三者责任thirdpartyliability/publicliability投保不足under-insurance核保人underwriters核保underwriting最高诚信utmostgoodfaith无效void保费豁免/伤残权益waiverofpremiumfordisabilitybenefit每年续保定期计划yearlyrenewabletermUnit6LIFE&.HEALTHINSURANCE

LearningObjectivesToknowthenecessityoflifeandhealthinsuranceToexplainthetypesoflifeinsuranceTolearntheusefulexpressionsforlifeandhealthinsuranceTolearnthebasicknowledgeforclaimsconditionsUnit6LIFE&.HEALTHINSURANCE

SituationalDialogues

Dialogue1IntroducinganewinsuranceproductDialogue2Areyouinsured?Dialogue3TheclaimsconditionsDialogue4RepresentingthepolicyDialogue5PolicydeliveryUnit6LIFE&.HEALTHINSURANCE

KeyWordsandExpressionscircumstance n.情况，现状juvenile n.青少年benefit n.利益，帮助premium n.保费terminate v.终止 proposaln.建议书，提议pensionn.退休金 beneficiaryn.受益人notificationn.通知书 noticen.通知anoticeinwriting书面通知deception

n.受骗(的事实或情况)theft n.失窃attemptedtheft 偷窃未遂Unit6LIFE&.HEALTHINSURANCE

maliciousacts恶意行为

enforcev.执行，实施cataloguen.目录，一览表coverage n.承保范围waivern.一项条款 creditv.记入贷方accumulate v.累积 dividendn.分红compoundv.以复利计算

cashvalue现金(解约)价值appreciatev.钦佩，感谢medicaladj.医疗的 lifeinsurance人寿保险 whole-lifeinsurance终身保险Unit6LIFE&.HEALTHINSURANCE

ProfessionalReadingLifeInsuranceTerminsurancePermanentlifeinsuranceUniversallifeinsuranceUnit6LIFE&.HEALTHINSURANCE

Notes1、criticalillness

重症疾病2、Thepolicyholdertypicallypaysapremium,eitherregularlyor