《金融英语听说》Unit3

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1、Unit3LendingBusinessIWarm-up1.MatchtheChinesetermsinColumnAwiththeirEnglishequivalentsinColumnB.AnswersforReference1汽车贷款autoloan2个人房屋贷款personalhousingloan3次级按揭贷款subprimemortgageloan4信贷风险creditrisk5商业贷款commercialloan6财务状况financialstanding7按揭抵押的房产mortgagedproperty8利率风险interestrateri

2、sk9分期付款paybyinstalments10一次性付款payinalumpsum2.Discussinpairsandanswerthefollowingquestions.AnswersforReference1.DoyouknowthetypesofpersonalloansofferedbyCanadianImperialBankofCommerce(CIBC)?Personalhousingloan个人住房贷款–Personalsecond-handhousingloan个人二手房屋贷款，个人再交易住房贷款–Personalcommercia

3、lspacepurchaseloan个人商业用房贷款–Individualhousingloansatfixedinterestrate固定利率个人住房贷款–Personalhousingmixedloan个人住房组合贷款–Individualhousingprovidentfundloan公积金个人房屋贷款–Personalmortgageloan个人住房抵押贷款Personalpurchaseloan个人消费贷款Personaloperationloan个人经营贷款Personalautoloan个人汽车贷款Personalhousingimprovi

4、ngloan个人房屋维修贷款Personalconsumerdurablesloan个人耐用品消费贷款Commercialeducationalloan商业助学贷款Government-subsidizededucationalloan政府助学贷款Personalloanbackedbypledgedrights个人产权质押贷款2.WhatdoyouthinkshouldbepreparedforaloanproposalbeforeyougotoapplyforapersonalhousingloantoCCB?valididentifycertific

5、ate有效身份证明,e.g.,IDcard身份证,Hukou户口,certificateofpermanentresidence永久居民证orpassport护照Employmentcertificate工作证Propertyright/titlecertificate房产证Incomestatement收入证明3.WhatshouldbeconsideredifyouwerehandlingaloanproposalasamanageroftheCreditDepartment?People借款人(theidentificationofpotential

6、borrower,informationabouttheperson,theirfamily,theirincome,theirfinancialstanding,etc.申请借款人的身份、个人信息、家庭状况、收入、资信等)Purpose借款的用途(thepurposeoftheborrowingandhowtousethemoneyborrowed借款的目的以及如何使用借款)Payment还款计划(howtoeffectrepayment:byinstalmentsorinalumpsum如何还款：分期付款还是一次付清)–Repaymentschedul

7、e还款计划–Amountoftheloangranted审批贷款的金额–Termoftheloan贷款的期限Protection还款保障(whattobeusedascollateralorsecurityfortheloanandwhotobetheguarantee什么做贷款的抵押品以及谁是担保人)Perspective还款风险预测(theassessmentofriskofcreditinperspective客观地评估信用风险)ShortDialoguesTask1MultipleChoiceListencarefullyandchoosetheb

8、estanswertothequestionaftereachdi