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1、Money and credit card1行业参考ContentsAdvantagesanddangersofhavingoneViewsoncreditcardsIntroductionofmoneyandcreditcardSomefactsaboutcreditcard题2行业参考Doyoulikemoney?3行业参考Money is a kind of equivalent quantitative exchange tool,and is to promote the prosperity and development of a society of financial cir
2、culation tools.钱，一种等值量化的交换工具，是促进社钱，一种等值量化的交换工具，是促进社会繁荣发展的一种金融流通工具。会繁荣发展的一种金融流通工具。4行业参考DifferentcurrencieslPound(GBP)l1英镑英镑GBP=10.1284人民币CNYPro5行业参考XUnitedStatesDollar(USD)1美元=6.2117人民币元6行业参考lEuro(EUR)l1欧元=8.5384人民币元7行业参考lJapanYen(JPY)Hwanll1韩元=0.005811人民币元ll1日元=0.06040人民币元8行业参考MoneyitemslBankmoneylB
3、loodmoneylCallmoneylDarkmoneyhaveaguesslEarnestmoneylFairymoneylFoldingmoneylGlovemoney9行业参考MoneyitemslBankmoney银行票据lBloodmoney抚恤金；不义之财lCallmoney活期存款lDarkmoney加班费lEarnestmoney定金；保证金lFairymoney捡到的钱lFoldingmoney纸币lGlovemoney贿赂10行业参考SayingsaboutMoneylAfullpursemakestheheartlight,alightpurseisaheavycurs
4、e.l为人有钱心事轻,为人无钱处处难.lMoneymakesthemarego.l有钱能使鬼推磨。有钱能使鬼推磨。lMoneytalks.l金钱是万能的。lWhenpovertycomesinatthedoor,loveleapsoutatthewindows.l贫穷从门走入，爱情随之从窗户溜走（贫贱夫妻百事哀）贫穷从门走入，爱情随之从窗户溜走（贫贱夫妻百事哀）Moneydoesnotgrowontree.l金钱不长在树上（钱不容易挣）金钱不长在树上（钱不容易挣）11行业参考lMoneyisagoodservantbutabadmaster.l要做金钱的主人，莫做金钱的奴隶。lApennysa
5、vedisapennyearned.l省一分，是一分lAlthoughpowerisastubbornbear,butgoldcanpullitbythenosel虽然权势是一头固执的熊，可是金子可以拉着它的鼻子走。莎士比亚lWealthislikewater:youdrinkthemorethemoreyoufeelthirstyl财富就像海水：越喝越渴。贺拉斯l12行业参考Developmentofmoney13行业参考IntroductionofcreditcardlCredit Card is a non-cash transaction payment, a simple credi
6、t services.It is a small plastic card that you use to buy goods or services and pay for them later.14行业参考IntroductionofcreditcardsAcreditcardallowsyoutochargesomethingimmediatelyandthenpayforthebillforatalaterdate.Onceacreditcardhasbeenissued,youcanmakepurchaseswithintheprescribedcreditlimit.Forexam
7、pleacreditcardwithalimitof$100.00enablesyoutopayforupto$100.00worthofitems.Everymonth,youwillreceivecreditcardstatements(信用卡消费账单)thatliststhechargesyouhavemade.Youhavetopayyourbillinfullbytheduedate.Otherwise,youhavetopayinterest(利息)orafinancechargewhichcanbefairlyhigh.Script15行业参考Why get a credit c
8、ard?The main reason is to establish a good credit rating which will enable you to borrow money for a car or a house at a lower rate. Having a lower rate on a mortgage can save big bucks! 16行业参考TodaylToday,moreandmorepeopleintheUnitedStatesareusingcreditcardsinsteadofmoneytobuythethingstheyneed.Almos
9、tanyonewhohasasteadyincomeandacontinuousworkrecordcanapplyforacreditcard.Therearemanycreditcardslavailable:AmericanExpress,VISA,andMasterChargearesomeofthemostpopular.l今天，越来越多的美国人流行用信用卡而不是用货币购买他们所需要的东西。几乎所有收入来源稳定，有持续工作记录的人都可以申请信用卡。可供选择的信用卡种类很多，其中有些信用卡很流行，如美国运通卡、维萨卡及万事达卡等等。17行业参考Internationalcreditca
10、rdorganizationDinersClubAmericaExpress(AMEX)MasterCardInternationalChinaUnionPayCo.,Ltd.JCBVISAInternational18行业参考19行业参考Viewsoncreditcards1.Whataretheadvantagesofhavingacreditcard?Youcanpayforgoodsandserviceswithoutusingcashorachequewhichmeansthatyouonlyneedtocarryonecardaroundwithyou.Youcanspendmor
11、ethanyouhave.2.Whichsortofcustomersdothecreditcardcompanieshate?peoplewhopayofftheirbillsontime3.Whataregoodcustomersforcreditcardcompanies?peoplewhodontpayofftheircreditcarddebts4.Howdocreditcardcompaniesmakeprofits?charginginterestrates20行业参考AdvantagesanddangersofhavingonelAdvantagesl Do not have
12、to take cash and pay cash to get goods and services.lWhen the credit card spending is overdraft consumption(透支消费）透支消费）, you can have interest-free period.lpromotes the mail order, telephone order shopping, online shopping development.21行业参考lSavetime,andcanbesafelAvoidfakenotes(假钞)lGetthroughunexpect
13、edemergencieslMonthlystatementskeepspendingrecordsinorderlPayontime,andyoucanestablishagoodcredithistory22行业参考Dangers!lImproperusecandamagecreditratinglHigherriskforimpulsivebuyingandoverspendinglDebttrapwhenusedunwiselylExpensivewaytoborrowduetohighinterestrateslLesstospendinthefutureduetopayingoff
14、purchasesfrompastlPossiblehiddenfees&surchargeslPrivacyisanincreasingconcernlIdentitythefteasierlHighinterestratesandannualfeesmakeyouindebted23行业参考DefinitionCredit ratinglAcredit ratingisanevaluationofthecreditworthinessofadebtor,especiallyabusiness(company)oragovernment,.Theevaluationismadebyacred
15、itratingagencyofthedebtorsabilitytopaybackthedebtandthelikelihoodofdefault.24行业参考lDebt traplAdebttrapisasituationinwhichanentity(实体)borrowsmoney,butdoesnothaveenoughmoneytomaketheinterestpaymentsontheloan,soittakesoutanotherloan-withitsowninterestpayments-tocoverthefirstloanspayments.Theywilllikelyh
16、avetoborrowagaintopayoffthesecondloan,creatingacripplingcycle.25行业参考lInterestratelAninterest rateistherateatwhichinterestispaidbyaborrower(debtor)fortheuseofmoneythattheyborrowfromalender(creditor).26行业参考lAnnualfeelTheannualfeeisthefeethatischargedbysomecreditcardcompaniestotheircreditcardholders,si
17、mplyforhavingthecreditcard.Thisfeeischargedregardlessofanythingelse(theamountorvalueofpurchaseswiththecreditcard,forexample).27行业参考Thefacts28行业参考Whethercollegestudentsshouldhaveacreditcard?lTherealproblemisthatformanyofthesestudents,theypaylittleattentiontointerestrates,terms,andcardfeatures.Thecard
18、theychoosemaysetthemupforfailurerightfromthestart.lInaddition,manyyoungpeoplearenotadequatelyeducatedaboutcreditcardsanddebt.Theymayknowthatyouhavetopaythemoneyback,buttheymaynotbepreparedtounderstandtheeffectofhighinterestrates,minimumpayments,andthedevastatingeffectthatlatepaymentscancause29行业参考lW
19、ithallofthenegativeconsequencesofcreditcarddebt,thefactisthatmoststudentsneed,orshouldatleasthaveacreditcard.Ifforanyreasonatall,itstoestablishacredithistory.Youneedcreditinordertobuildacreditscore,soobtainingacreditcardatayoungageisaneasywaytodothis.Inaddition,oneoftheimportantfactorsofyourFICOscor
20、e(美国信用评级分数)isthelengthofcredithistory.So,thesooneryouestablishalineofcredit,thelongeryourcredithistorywillbewhenitcomestimetotakeoutaseriousloansuchasbuyingahouse.30行业参考lAsfarasImconcerned,creditcardslplayaimportantRoleinourldailylifeandbusiness.weshouldmakelfulluseofitsadvantages.butatlthesametimeweneedlhaveself-controlandbealrationalconsumer.31行业参考32行业参考
