Transcript Document

Banking
Purpose of learning
Aim of learning:
In this unit, learners are expected to :
--learn the business terms and expressions
concerning banking ;
--the business concepts concerning
banking ;
-- understand basical banking business to
individual customers
Time required:
6 hours
Background Knowledge
Types of banks
（1）中央银行（central banks): 中国人民银行是我国的中央银行，
实际上是行政管理机关，基本上可以认为它不对个人和企业办理银行业务。
（2）政策性银行(policy banks)。包括农业发展银行、进出口银行、国
家开发银行，只办理政策性的银行业务。
（3）商业银行(commercial banks )。具体又分为国有商业银行（工农
中建）、全国性的股份制银行（有十五六家，如交通、中信、光大、华夏、
招商、兴业、民生等等，最近设的是浙商和恒丰）、城市商业银行（如上
海银行，某某市商业银行等）、农村商业银行、农村合作银行。
（4）信用社(credit cooperatives)，有城市信用社和农村信用社。
（5）邮政储蓄（postal savings) 只办理储蓄业务。
（6）非银行金融机构(non-bank financial institutions)，如金融资产
管理公司，信托投资公司，财务公司，金融租赁公司等。
除中国人民银行外，统称银行业金融机构。银行业金融机构由中国银监
会实施专业化的监督管理。
(7)投资银行(investment banks)，目前实际上是指基金管理公司，由
中国证监会实施专业化的监督管理。
Key Vocabulary
The banking sector （银行业）in the United
Kingdom is made up of a variety of
institutions supervised by the country‘s
central bank（中央银行）. The Bank of England.
This bank looks after the government’s
finance and monetary policy （货币政策）and
acts as banker（贷款人） to other banks.
However, for the general public and many
businesses（企业）, banking services are
provided by commercial banks（商业银行）, or
clearing banks, which have branches
throughout the country.
These banks offer a wide range of services
which include accepting deposits(吸收存款）,
making loans（发放贷款） and managing
customers‘ accounts（管理客户账户）.
Merchant banks（商人银行）, on the other
hand, do not deal with the public but
specialise in services for companies or
corporate customers（企业客户， 对公服务）.
They are particularly active in arranging
mergers（合并） and acquisitions（收购） and
in advising on aspects of corporate finance
（企业融资）.
Lead in
1. In pairs, make a list of the different
services that banks in your country provide
for the general public. Tick the services that
you use.
2.Listen to Eleanor Stevens, an HSBC Bank
branch manager, describing the bank that
she manages. Make notes under these
headings on page 58.
3. Match the banking words with the
illustrations below.
chequebook (US checkbook) 支票簿
cash machine or cashpoint (US ATM)自动柜员机、自动
取款机
bank notes (US bills) 钞票
coins
keyboard键盘
screen
bank statement 银行账目表
credit card 信用卡
debit card 借记卡
bill (US check) 支票/帐单
traveller‘s cheques (US traveler’s checks)旅行支票
※
Different kinds of cards issued by banks
信用卡，是银行或其它财务机构签发给那些资信状况良好
的人士，用于在指定的商家购物和消费、或在指定银行机构存
取现金的特制卡片，是一种特殊的信用凭证。
贷记卡，是指发卡银行给予持卡人一定的信用额度，持卡人可在信用
额度内先消费，后还款的信用卡。
准贷记卡：是指持卡人须先按发卡银行要求交存一定金额的备用金，
当备用金帐户余额不足支付时，可在发卡银行规定的信用额度内透支的信
用卡。
借记卡，是指先存款后、消费（或取现），没有透支功能的信用卡。
其按功能不同，又同分为转账卡（含储蓄卡）、专用卡及储值卡。
转帐卡，是实时扣帐的借记卡。其具有转帐结算、存取现金和消费功
能。
专用卡，是具有专门用途、在特定区域使用的借记卡。其具有转帐结
算、存取现金和消费功能。注：专门用途是指在百货、餐饮、饭店及娱乐
行业以外的用途。
储值卡，是发卡银行根据持卡人要求将其资金转至卡内储存，交易时
直接从卡内扣款的预付钱包式借记卡。
联名/认同卡，是商业银行与盈利性机构/非盈利机构合作发行的银行
卡附属产品。
※Different types of credit cards
信用卡的种类很多，通常可按以下六种标准划分：
（1）按照信用卡发行机构划分，可以分为银行卡和非银行卡；
（2）按照信用卡信息存储媒介划分，可以分为磁条卡和芯片卡；
（3）根据清偿方式的不同，可以划分为：贷记卡、准贷记卡和借记卡；
（4）按照信用卡结算货币不同，可以分为外币卡和本币卡；
（5）按照流通范围不同，可以分为国际卡和地区卡；
（6）按照信用卡帐户币种数目，可以分为单币种信用卡和双币种信用卡；
（7）按照信用卡从属关系，可以分为主卡和附属卡；
（8）按照信用卡发卡对象不同，可以分为公司卡和个人卡；
（9）按照持卡人信誉地位和资信情况，可以分为无限卡、白金卡、金卡、
普通卡。
（10）按照信用卡形状不同，可以分为标准信用卡和异形信用卡。
4 Which of the items would you use if you
needed to
1 check how much money you had in your
bank account several weeks ago?
2 take money with you for a visit to a foreign
country?
3 see how much you have to pay for the
electricity you used last month?
4 send payment by post?
5 take money out of your account on a
Sunday?
Reading
I 1n pairs, make a list of the services that a
company would expert from a bank.
2 Read the text which describes the Bank of
Scotland's Home and Office Banking System
(HOBS), and see which points in your list are
mentioned.
Word study:
shuttle en-route 往返运行的汽车、飞机、列车
crucial meeting－－very important meeting
boot up (laptop)—启动（手提电脑）
download－－下载
group accounts 汇总账户
financial position财务状况
net position 净资产
present ( a check) 提交/提示支票
access ( information) ---获取信息
up-to-the-minute information －latest information
initiate BACS payment进行银行自动清算服务
international payment 国际支付
sterling 英磅货币
transfer money 汇款
standing orders 长期订单
direct debits直接借记(即从帐户上直接扣款）
specific transactions特定的交易
search criteria 搜索规则、条件
Investment Account 投资账户
surplus funds 富余的资金
routine transactions 日常例行的交易
devote (valuable time to do sth.) –spend time
fit A into B--- make A suit B.
built-in features内置功能
off-line processing 离线（业务）处理
restrict access to designated users 限制指定的用户进入
dovetail ： to fit together perfectly吻合
account report 账户资金报告
payment processing facilities 支付处理设施
smooth transfer of ( account information) 顺畅的发送
distribution of wages 发放工资
template function 模板功能
re-key similar data 重新输入相同的数据
beneficiary 受益人（收款人）
same-day credit 当日的信用
3 Complete the headings in the text with
these words.
a Security 安全
b Cost-effectiveness
c Financial Control 财务控制、管理
d Flexibility 灵活性
e Convenience 便利；方便
f Priority Payments 优先支付
4 Read the text again and decide if the
following statements are true (T) or false (F).
1 You can only use HOBS during normal banking hours.
2 HOBS cannot provide information about accounts in
dollars.
3 The telephone charges for using HOBS are the same all
over the UK.
4 You can control who can obtain information from the
system.
5 Using CHAPS, you can make a payment to someone and
they will always receive it on the same day.
Vocabulary
1.Complete the crossword using words from
the text. (page 61)
2 Complete the passage using words from the
box and the information in the bank
statement below.
credit 信用
payment
Cheque
account balance debit 账户余额借记
transactions 交易
cash deposit 保证金
debit card 借记卡
3 Underline all the words and expressions
related to computers in the text on page 60.
Match the words and expressions with the
definitions below.
1 to make a computer ready to be used
2 a small computer that you can carry with you
3 to move information or programs from one part of a
computer system to another
4 the key words used to find information in a database
5 the analysis of information by a computer program
6 the sets of programs in a computer
7 to type information into a computer again
Business Skills Focus: Negotiating
Reading:
1. Compare the questionaire on page 65.
2.Discuss the score with partner and suggest
areas for improvement.
Listening
Mark Cowan is the owner of a new shopping service
called The Pedigree Page', specialising in providing a
variety of products for pet owners which can be
ordered on the Internet.
1. Listen to the dialogue between Mark Cowan and his
bank manager and answer the following questions.
a Why is Mark Cowan meeting the bank manager?
b What is the bank manager's response?
2. Listen to the dialogue again. Which speaker does the
following things? Write 'M' for Mark Cowan, and 'B' for
the bank manager. Note the language used in each case.
(page 66)
Role play
This is a meeting between a bank employee
(Student A) and a business person applying
for a loan (Student B).
1 Prepare your role with a student who has the same role
as you. Student A, turn to page 164. Student B, turn to
page 159.
2 In pairs, hold your meeting.
Writing
Student A:
Write a short report for the director of the loan department
of the bank, summarizing the decisions that were reached
and outlining the action that you would recommend.
Student B:
Write a short report for your business partner,
summarizing the decisions that were reached and
outlining the action that you would recommend.