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1、一,Anintroductiontothetypesofbankdeposits1・thetypeofdepositsofferedbythecommercialbanks;2.theratesofinterestondifferentdeposits;yourresearchshouldcovertheaboveinformationCommercialbanksarebusinessesthatmakeaprofitbylendingmoneytoborrowers.Thesecompaniesmakemoneybythenlendingthemoneyoutata
2、higherinterestratethantheypaytotheaccountholders.Inacommercialbank,Depositsaretypicallymadewithcash,checksorelectronictransfers,intoaccountsthatincludesavings,checking,moneymarketandcertificatesofdeposit.DamanddepositAdemanddepositreferstoadepositthatdoesnotspecifythedeposittermandcanbed
3、epositedorwithdrawnatanytimewithoutanynoticetothedepositoryinstitution.TimedepositAtimedepositisatypeofdepositwhichisincontrasttodemanddepositthatcannotbewithdrawnforacertain”term"orperiodoftime(unlessapenaltyispaid)・Whenthetermisoveritcanbewithdrawnoritcanbeheldforanotherterm.Generallys
4、peaking,thelongerthetermthebettertheyieldonthemoney.educationdeposit,Savingsforlump-sumwithdrawal,Time-demandoptionaldeposit,Personalnoticedeposit,Interestwithdrawaltimedeposit.二,Doyouknowhowbanksdothelendingbuisiness?Anddoyouknowanytypeofloansofferedbybanksandhowtoapplyforit?Pleasewrite
5、downbrieflyinEnglishwhatyouthinkaboutthequestionsCommerciallendingreferstolendingservicestosoleproprietors(soletraders),partnerships,privatecompaniesandpubliclimitedcompanies.Asweallknown,extendingloanstopeoplewhoneedmoneyiswidelyregardedashighlyprofitable.soeverybanktryeffortstodothelea
6、dingbusiness.Theyprovidemanyfinancialbusiness.SOthatbankscangetmoreprofiles.Theycreatekindsofmeasuretoimprovefinancialtransaction.Banksoffermanytypesofloans,suchasautoloan,personalhousingloan,sub-primemortgageloan,commercialloan,sub・primemortgageloanandsoon.yoiTdbetterapplyforanautoloan•
7、IthinkyouYequalifiedfortheloanbecauseyouhaveagoodsocialstatusandmakeagoodsalary.YoujustbringwithyouthedocumentssuchasyourIDcard,acertificateofemDloymentacertificateofincomeandmakeacrediblerepaymentplan.三,thenecessaryprofessionalqualitiesofanaccountant1First,anaccountantmu