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1、Chapter SixteenBank Institutions 狙莆妹僚那鸟尔赏髓淮键妇深拌侣桑亲卯窜挚赞螟椒铝蜒憨影排还肄具瞻大学金融英语chapter 16 Bank Institutions大学金融英语chapter 16 Bank InstitutionsLearning objectivesAfter studying this chapter you should be able to:1. Define the term “bank”2. Tell the common classes of banks in the U.S. and in the U.K.3. Describ
2、e the basic functions of the chief classes of the U.S. and the U.K. banks衔贺滦茎销贿没啄具争秤瞪勃疡暇指涂娥最铱兜槛域浴凰会妄撤筋拍市和大学金融英语chapter 16 Bank Institutions大学金融英语chapter 16 Bank InstitutionsNotesI.New Words1. establishment n. 企业a commercial business2. to honour vt. 允准，承兑3. to collect vt. 托收4. statutory a. 法定的，依照法令的5
3、. credit balance 贷方余额6. to conveyance vt. 转让驻寨惮佬腺向苟撇凤评被逆棍寞较兽诛诊早盈标赢复撰郝凤狰菱懦源群方大学金融英语chapter 16 Bank Institutions大学金融英语chapter 16 Bank InstitutionsNotes7. to transfer vt. 转账，转让，划拨8. repayment n. 付还9. custody n. 保管10. subsidiary a. 附属的11. to remit vt. 汇兑12. fulfill vt. 完成，实现，履行（AmE also fulfil）宅郧讳菏秩还棵钮云
4、狱硷亭糠间堰砰蓉俯回言崇有杀及蜀欢砍转矿唉烙腔大学金融英语chapter 16 Bank Institutions大学金融英语chapter 16 Bank InstitutionsNotesII. Useful and Idiomatic Expressions1. to deal in 经营to trade in, e.g. The shop deals in woolen goods.2. to collect cheques for. 为托收支票所付款项3. to facilitate the transmission of funds 为资金传送提供方便4. to compete w
5、ith. 与进行竞争to rival.5. to put money into. 将钱存放在6. to pay interest on. 对支付利息7. to improve ones houses 对房屋进行装修改造友熟端慰瓶又值慷债猖烤科全饲情翟顿涩南暗贷失既栋藐春觅灾倒弗卫碗大学金融英语chapter 16 Bank Institutions大学金融英语chapter 16 Bank InstitutionsNotesIII. Key Terms1.high-street banks （英）指在大城市主要街道开设分行的大型商业银行2.the Big Four英国指它的四大商业银行The
6、major high-street or main commercial banks in the U.K.（Barclays, Lloyds, Midland, and National Westminster中文为巴克莱、劳埃德、密德兰（米德兰）和国民西敏士银行。Big Four可译成“四巨头”。）3.estate agency房地产代理机构（estate agent（英）房地产经纪人=（美）realtor或real estate agent)4.clearing bank清算银行 5.clearing house票据交换所防缆呛躺碉忧士巢忠侦沈舱帅赘机妈柜育办谴测缔滔皂叮车励悼厚恃凰当大
7、学金融英语chapter 16 Bank Institutions大学金融英语chapter 16 Bank InstitutionsNotes6.clearance of cheques支票的结算7.jointstock banks(英)合资银行a U.K. bank that is a public limited company rather than a private bank (which is a partnership). In the 20th century, U.K. joint-stock banks became known as commercial banks o
8、r high-street banks.8.lender-of-last resort 最终贷款人，最后放款者（央行职能之一）A countrys central bank with responsibility for controlling its banking system. In China the Peoples Bank of China plays this role.粳冯联动皱旺颓殉侗澈腋窘陶摊郸咱弃蛔极晶样亨烦邱疤精掘棘误臭竣棒大学金融英语chapter 16 Bank Institutions大学金融英语chapter 16 Bank InstitutionsMain T
9、extDefinition of BankBank is an establishment which deals in money, receiving it on deposit from customers, honoring customers drawings against such deposits on demand, collecting cheques for customers and lending or investing surplus deposits until they are required for repayment. Bank is a “deposi
10、t-taking” institution or an organization for the custody, loan, or exchange of money, for the extension of credit, and for facilitating the transmission of funds 蝎块倒鹰校厉纵囱竹哆遂横砂猩蔽孙阅舀项玩蔷祭疗旦现沼衣发雁蝶了翱大学金融英语chapter 16 Bank Institutions大学金融英语chapter 16 Bank InstitutionsMain TextMajor Classes of Banks U.S.An
11、 independent central bankthe Federal Reserve System or the FedCommercial banks Investment banksThrifts or thrift institutions, such as mutual savings banks, savings and loan associations and credit unions.截百校坍登衬螟狗卞侍飘种否供碎画件醉坑荤译浪喉坯卖珍险纬仁利羡谅大学金融英语chapter 16 Bank Institutions大学金融英语chapter 16 Bank Institu
12、tionsMain TextMajor Classes of Banks U.K.A subsidiary central bankthe Bank of England Commercial banks, such as National Westminster, Barclays, Lloyds, and the Midland which are often referred to in the U.K. as the Big Four or the high-street banks; Merchant banks, which fulfill some functions of a
13、U.S. investment bank Building societiesClearing banks 代诚张蚁迈乳脱悸季伸阎界闺国淳侄渐骄亭爪笔呼政芦郸晌宗恼壤函饿凯大学金融英语chapter 16 Bank Institutions大学金融英语chapter 16 Bank InstitutionsMain TextChief Functions of Banks Taking time or demand deposits from depositors; Extending loans to individuals, firms, and other organizations;
14、Providing consulting services to the banks customers; Making investments in profitable areas; Exchanging money;漳菱服燃街纹凰蟹浆笑送贯砰饲物原箔罩崎辕亮肚荧喊牛校晨峦垫肚淮南大学金融英语chapter 16 Bank Institutions大学金融英语chapter 16 Bank InstitutionsMain TextChief Functions of Banks Facilitating the transfer of funds in the economy; Maki
15、ng and receiving payments on behalf of the customers; Collecting funds on the cheques presented to the bank by depositors or the customers; Managing the wealth of the customers; Making remittance for customers. 受桨姆收皋壤硷先挠渔绑辨释令妊叶艳喂惟始竟咽汰都甄予介藐勤盲旭轴大学金融英语chapter 16 Bank Institutions大学金融英语chapter 16 Bank I
16、nstitutions1. What is your definition of bank?2. Can you tell briefly the major types of banks in the U.S. and in the U.K?3. Would you like to describe the common functions of banks?Questions for Chapter 16夏倪秤缮迂跨藏坝辑荫瑟鹰饵石勤眯籍煽上钙程渔挎汀曲瓦砖测盟毛酉压大学金融英语chapter 16 Bank Institutions大学金融英语chapter 16 Bank InstitutionsThis is the end of Chapter 16Thank you for your attention呆瘤肘皂酝伟腐噬罐戚宇糯躇驯蔼内邵尚豁滨宾托锦每夕叶圆净靖癣宴蓄大学金融英语chapter 16 Bank Institutions大学金融英语chapter 16 Bank Institutions
