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1、Module5MoneyandFinanceGdutFunctionsofMoneyMediumofexchangeAunitofaccount:measuringthevalueofgoodsandservicesAtemporarystoreofvalueFinanceThemanagementofmoney财务管理；财政MinistryofFinance财政部门;Moneyusedtosupportanundertaking,fund:资金[finances]themoneythatanorganizatio
2、norpersonhas,andthewaythattheymanageit财源，财力，财务状况V：fund，toprovidemoneyforaprojectContentsMoneyexpressionAbankloanAcultureofdebtChoosinganinvestmentCompanyfinanceBusinesscostsMoneyexpressionMoneyoftencoststoomuch.RalphWaldoEmerson,EssayistIt’sexpensivetoborrowmo
3、ney.Pursuingmoneyonlymakesyouneglectthemoreimportantthingsinlife.Invoiceinvoicesb(forsth)
4、invoicesth(tosb/sth)towriteorsendabillforworkyouhavedoneorgoodsyouhaveprovidedBeinvoicedforthegoodsN.listofgoodssoldorservicesprovidedwiththeprice(s)charged,espsentasabil
5、lCompare:bill,check;receipt,voucherAbankloanAloanisatypeofdebt.Likealldebtinstruments,aloanentailstheredistributionoffinancialassetsovertime,betweenthelenderandtheborrower.Inaloan,theborrowerinitiallyreceivesorborrowsanamountofmoney,calledtheprincipal(本金),from
6、thelender,andisobligatedtopaybackorrepayanequalamountofmoneytothelenderatalatertime.Typically,themoneyispaidbackinregularinstallments,orpartialrepayments.Theloanisgenerallyprovidedatacost,referredtoasinterestonthedebt,whichprovidesanincentiveforthelendertoenga
7、geintheloan.TypesofloansSecuredloan担保贷款:aloaninwhichtheborrowerpledgessomeasset(e.g.acarorproperty)ascollateralfortheloan.Eg:mortgageloanUnsecuredloan无担保贷款:monetaryloansthatarenotsecuredagainsttheborrower'sassets.Eg:creditcarddebtDemandloan活期借款:shorttermloans(
8、typicallynomorethan180days)thatareatypicalinthattheydonothavefixeddatesforrepaymentandcarryafloatinginterestratewhichvariesaccordingtotheprimerate.Theycanbe"called"forrepaymentbythelendinginstitutionatanytime.Demandloansmaybeunsecuredorsecured.Securityforaloan
9、MortgagedpropertyAcar/house:mortgageloanBorrowersdonothaveacleartitleoveritandcannotsellitwithoutthelender'sconsent.AguarantorAperson,theguarantor,agreestopaybackthedebtiftheborrow
