现代金融业务.docxVIP

MODERN FINANCIAL PRACTICES 现代金融业务 Part One Overview of the Financial Industry in China Teaching Objectives To become familiar with the present conditions of the segregation of Chinese financial business To become familiar with the past and present of Chinese banking sector, securities sector and insurance industry. To learn something about the basic imformation on Chinese financial reform. Focus on To be familiar with the evolution and role of the banking sector in China The reform and functions of the Central Bank The development of the Commercial Banking Sector Difficulties Mathematic Basis of Insurance Teaching Methods Teacher’s explanations Questioning Discussing Exercise Teaching Procedures Warming-Up Exercise: How to Open an Account (如何开户） 储蓄是银行资金的主要来源，而开立账户则是储蓄的第一步。为了吸引更多的储户，许多银行对 某些种类的储蓄采用了0金额开户或1元开户的举 措，取得了较好的效果。更为重要的是，金融机构 都普遍加强了对员工素质的培养，其中包括对外语 能力的培养。 了解银行储蓄的英语表达、增强与储户用英语沟通的能力，是时代对银行工作者提出 的要求。 Common Expressions 常用词语 基本词汇与短语 Deposit 存款，储蓄 Depositor 存款人 Accountant 会计员 Teller 出纳员 Passbook 存折 Checkbook 支票簿 Savings account 储蓄账户 Checking account 支票账户 Jiont account 联合存款账户 Term-deposit account 定期存款账户 Demand deposit 活期存款 Minimum balance 最低余额 Open an account 开户 Interest 利息 Sign 签字 Interest rate 利率 Some term-deposits offer very high interest rates. 有些定期存款的利率很高。 I’d like to open an account with your bank. 我想在贵行开个户。 What kind of account do you have in mind? 您打算开哪种账户？ I want to open a personal checking account. 我想开个人支票账户。 What’s the interest rate for that account? 那种账户的利率是多少？ The checking account is much more convenient although it offers no interest. 支票账户虽然没有利率，但要方便得多。 If it’s a demand account, you can make withdrawals from the account at any time. 如果是活期账户，您随时都可以取款。 In this country, time or savings accounts require an advance notice to the bank, usually seven days before the depositor has the right to make a withdrawl. 在这个国家，定期存款账户或储蓄存款账户要求存款人提 前通知银行，通常是7天，才能取款。 What’s the procedure of opening a savings account? 开立储蓄账户的程序是什么？ We don’t charge any fee for opening the