剑桥商务英语(BEC)金融英语之银行实务部分.ppt

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1、TheBankingBusiness10/22/20211ChenJianhuiPartOne10/22/20212ChenJianhuiBankingBusinessWhatdoesabankdo?Howdoesabankoperate?Fromthetextwewilllearnsomethingaboutbanksandtheirbusiness,especiallytheUKbankingbusiness,whichissomewhatdifferentfromthatofourcountry.10/22/20213ChenJian

2、huiThebasicfunctionsofabank:acceptingandsafeguardingdepositsofmoneyfromcustomers;permittingmoneytobewithdrawnortransferredfromoneaccounttoanother;lendingthesurplusofdepositedmoneytosuitablecustomerswhowishtoborrow.10/22/20214ChenJianhui银行的基本职能：接受客户的存款并保证其安全；允许存款的自由支取或转帐；将存

3、款的赢余贷给希望借款的合适的客户。10/22/20215ChenJianhuiAsoundbankingsystemdependson:partlyonthecontrolexercisedbythecentralbankand,toalargeextent,onthecustomer’strustinthebank.良好的银行体系部分取决于中央银行的管理，另外在很大的程度上取决于客户对银行的信任。10/22/20216ChenJianhuiThecustomertruststhathisdepositswillbelookedafteri

4、nthebestpossiblewayandthatwhenhewishestowithdrawhismoney,thefundswillbeavailable.客户相信他的存款在银行得到最好方式的照看和保管，他还相信当他想取钱时，随时可得到资金。10/22/20217ChenJianhuiBankshaveamajorresponsibilitytobehavelikeagoodcitizensinbusinessiftheywishtoenjoythetrustofthecustomers.如果银行要得到客户的信任，他们有责任在业务经营

5、中表现得象好公民。Howtobehavelikeagoodcitizeninbusiness?10/22/20218ChenJianhuiProfitabilityremainsamajorconsiderationtoabank,butthismustsometimesbesetasideinfavorofaninformedandethicaljudgmentthattakesaccountoftheinterestofothers.对于银行盈利性始终是要考虑的首要问题，但有时必须支持有见地、符合道德标准、顾及他人利益的判断决定，把盈利

6、性搁置一边。10/22/20219ChenJianhuiWhatdobankshavetorememberwhenlendingmoney?Theymustrememberthatthesourceoftheirfundsiscustomers’deposits,andsoitisimportantthattheyshouldlendwherethereisaminimalriskofnon-repayment.他们必须牢记他们的资金来源是客户的存款，因此重要的是应该把资金借给拒绝偿付的风险最低的地方。10/22/202110ChenJia

7、nhuiThebankshaveoftenbeencriticizedfornotlendingmorefreely,butahighriskoflosswillfrequentlydeterthemfromgrantinganadvanceevenifthehighestratesofinterestcouldbecharged.人们常常批评银行不能更自由地提供贷款，但即使可能收取最高的利率，高风险的损失往往会阻止银行发放贷款。10/22/202111ChenJianhuiThenatureofacommercialbank:Acomme

8、rcialbankisabusinessfirmthatspecializesinprovidingfinancialservices.Itisalsocalleda“depar