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Chapter4 Banking

Conversation One:

Mrs. Jones: Good morning. I need to make a deposit into my checking account.

Hilary: I see you have a negative balance and two checks have bounced. If you add overdraft protection to your account, you’ll have a reserve of credit in case you overspend the cash in your account.

Mrs. Jones: Thanks. I thought I had voided a check that was cashed, which is what caused the overdraft.

Conversation Two:

Mrs. Jones: Interest rates are the lowest in years. San certainly chose the right time to buy a house and take out a mortgage.

Mr. Smith: Rates fluctuate so often, I can’t keep up with them. I should pay more attention, because I want to take out a loan for a new car.

Mrs. Jones: I have ten more installments to pay on my car.

Short Talk:

Electronic banking is the latest advancement in banking services. Using a computer, you can check your account activity and balance 24 hours a day. No more waiting in line at the bank. You will receive consolidated monthly bank statements that list all your accounts in one easy to understand document. You can make your deposits and withdrawals, pay your bills, and maintain your account online. Imagine the time and money you’ll save in the convenience of your own home!

Principal

Interest

Interest rate

Prime rate – reference note that banks use in pricing short maturity commercial loans to their best, or most creditworthy, customers.

Spread – Commercial loans often priced at prime or prime plus a spread.

Basis point – (0.01%) A bond whose yield to maturity changes from 8.50% to 9.25% is said to move 75 basis points in yield.

25 basis points, a quarter of a percentage point.

PIN (personal identification number) – numeric identification code used by bank customers when making transaction at ATM. Also know as an access code or security number.

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  • 1 0 年前
    最佳解答

    Chapter4 Banking 第四章 銀行業務

    Conversation One: 對話/會話1

    Mrs. Jones: Good morning. I need to make a deposit into my checking account.

    Hilary: I see you have a negative balance and two checks have bounced. If you add overdraft protection to your account, you’ll have a reserve of credit in case you overspend the cash in your account.

    Mrs. Jones: Thanks. I thought I had voided a check that was cashed, which is what caused the overdraft.

    瓊斯太太 : 早安 請幫我存到支票帳戶上

    希拉蕊 :嗯 我發現你的支票的戶頭錢不夠 有2張支票跳票了.

    如果你加入我們銀行的 預防透支險 .

    這樣你的戶頭就會有一定的額度可以預防戶頭沒錢.

    瓊斯太太 : 謝謝 我已為有一張票已兌現過了

    (which指戶頭沒算到的那一筆)所以才會跳票.

    Conversation Two: 對話/會話2

    Mrs. Jones: Interest rates are the lowest in years. San certainly chose the right time to buy a house and take out a mortgage.

    Mr. Smith: Rates fluctuate so often, I can’t keep up with them. I should pay more attention, because I want to take out a loan for a new car.

    Mrs. Jones: I have ten more instalments to pay on my car.

    瓊斯太太 :這幾年銀行利率很低,杉用 銀行貸款買了一棟房子

    真是選 對了時機

    史密思先生: 銀行利率變動頻繁我都搞不清楚我應該多注意的

    因為我要借錢買新車

    瓊斯太太 : 我還要再繳10期的車貸款

    Short Talk:簡短會話

    Electronic banking is the latest advancement in banking services. Using a computer, you can check your account activity and balance 24 hours a day. No more waiting in line at the bank. You will receive consolidated monthly bank statements that list all your accounts in one easy to understand document. You can make your deposits and withdrawals, pay your bills, and maintain your account online. Imagine the time and money you’ll save in the convenience of your own home!

    電子銀行是最新興的銀行服務 只要使用電腦你可以一天24查詢你的帳戶收支,餘額 及管理帳戶.再不用去銀行排隊

    每月可收到你所有合併的帳戶收支明細表,淺顯易懂的顯示在一份文件上

    你也可以存錢 轉帳 付賬單 管理帳戶 通通只要使用網路 想想你省下的這些時間金錢,你都可以方便的在家完成.

    2006-12-26 22:38:56 補充:

    Principal 資本本金,委托人

    Interest  利息

    Interest rate 利率

    Prime rate- reference note that banks use in pricing short maturity commercial loans to their best, or most creditworthy, customers.

    基本利率-指銀行對其最優良之客戶的短期放款利率;(這是銀行業者對這種放款收取的最低利率

    2006-12-26 22:39:50 補充:

    Spread- Commercial loans often priced at prime or prime plus a spread.

    利差或價差-商業貸款放款的基本利率或加一個利差

    Basis point (0.01%) A bond whose yield to maturity changes from 8.50% to 9.25% is said to move 75 basis points in yield.

    基本利差-以年利率10%來說由8.5%升到9.25%

    就有0.75點的利差

    2006-12-26 22:40:11 補充:

    25 basis points, a quarter of a percentage point.

    一碼等於25點為基準 ,就是百分比1點的四分之一

    2006-12-26 22:40:28 補充:

    PIN (personal identification number) numeric identification code used by bank customers when making transaction at ATM. Also know as an access code or security number

    個人密碼-是數字密碼 由持卡人使用自動提款機提款

    也可說通行密碼或 防護密碼

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  • 1 0 年前

    第 4 章銀行業

    交談一:

    瓊斯太太: 早安。 我需要使存款成為我的經常帳戶。

    希拉里: 我見到你有 , 否定的平衡而且二檢查已經反彈。 如果你把透支保護加入你的帳戶,你和 rsquo;ll 有信用的保留,以防萬一你過度使用你的帳戶的現金。

    瓊斯太太: 謝謝。 我認為我已經空虛被兌現的支票,什麼引起了透支是哪一個。

    交談二:

    瓊斯太太: 利率在數年中是最低的。 桑河無疑地選擇那正確的時間買一棟房子而且取出一個抵押貸款。

    史密斯先生: 比率變動如此的時常,我能’t 趕上他們。 因為我想要對於一輛新的汽車拿貸款,所以我應該支付更多的注意。

    瓊斯太太: 我有另外十個安裝在我的汽車上支付。

    短談話:

    電子銀行是在存入銀行服務方面最新進步。 使用一部電腦,你一天 24 小時能檢查你的帳戶活動和平衡。 在銀行的線中沒有更多的等候。你將接受鞏固列出你所有的帳戶的每月的銀行陳述在一容易的了解文件。你能作你的存款和撤回,支付你的帳單,而且在線上維持你的帳戶。 想像時間和錢你和 rsquo;你自己家的方便的 ll 救援!

    校長

    興趣

    使比率感興趣

    最優惠利率– 參考注意銀行對他們的最好 , 或大多數的 creditworthy ,消費者在訂價的短成熟商業廣告貸款中使用。

    傳佈– 商業廣告貸款時常定價格在精華或精華加傳佈。

    基礎指出– (0.01%) 生產量對來自 8.50-9.25% 的成熟改變被說在生產量中移動 75種基礎點的一個束縛。

    25 基礎點, 0.25 個百分點。

    大頭針 (個人的確認編號)和 ndash; 被銀行消費者使用的數值的確認密碼當製造自動櫃員機的交易的時候。 也知道如一個通行密碼或安全數字。

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