【文章內(nèi)容簡介】 Phrases and Expressions current account bank giro credit standing orders direct debit on demand in favour of… overdraft arrangement base rate overdrawn account set off credit balance scale of charges短語與詞組 往來賬戶，活期賬戶銀行貸記劃款單約期付款授權(quán)書直接借記按需求，按需要以…為受益人，以…為收款人透支安排基準(zhǔn)利率透支賬戶抵銷，分開貸方余額 收費標(biāo)準(zhǔn)　　Notes　　 may be withdrawn on demand either by drawing cash by cheque at the branch where the account is maintained or by writing cheques in favour of another ，或者在賬戶行用支票提款,或者簽發(fā)支票給別人?！　?1)on demand按需求，按需要　　demand desire to possess a modity or make use of a service, bined with the ability to purchase it需求，請求，要求：擁有一種商品或使用一種服務(wù)的要求，與購買力密切相關(guān)　　(2)draw cash by cheque用支票提款　　(3)(branch) where the account is maintained是定語從句，修飾前面的branch，意為開立賬戶的（銀行）?！　?4)write cheques in favour of another person開出以另外一個人為收款人的支票　　in favour of…以…為受益人，以…為收款人　　 is calculated on the amount of overdraft on a daily basis and charged to the account halfyearly, at a rate based on the percentage over the bank39。s base ，按逐日的透支金額計算，每半年借記賬戶?！　?1)on a daily basis按每天　　(2)(interest is) charged to the account（利息）借記賬戶　　charge v.（與to, up to連用）記賬；在帳冊等上記入…　　例：Don39。t forget to charge the money of the shoes to my account.　　別忘了把鞋錢記在我?guī)ど?。　?3)(at a rate) based on the percentage over the bank39。s base rate過去分詞短語，作后置定語?！　ase rate基準(zhǔn)利率，即中央銀行或銀行業(yè)同業(yè)協(xié)會公布的參照利率。　　 facilities for an overdraft are granted, the bank may also make a special charge for arranging them and mitting the bank39。s money, whether the facilities are used or ，不管是否使用，銀行對安排透支與資金的承諾也可以收取特別費用?！　?1) facilities for an overdraft are granted授予透支額度（便利）　　facility n.（融資）便利　　(2) (make a special charge for) mitting the bank39。s money對銀行資金的承諾（收取特別費用），因為銀行承諾的資金在承諾期間，處于閑置狀態(tài)，要隨時應(yīng)付企業(yè)提款，所以不管企業(yè)是否提取，都將對企業(yè)收取一定的費用。　　(3) whether the facilities are used or not讓步狀語從句　　 cost of these items is calculated quarterly or haftyearly by the bank39。s puter and against this is set off notional rate of interest on the customer39。s average credit balance during the ，按照該期間內(nèi)客戶平均貸方余額的名義上的利率抵消這些費用?！　?1) against this is set off notional rate of interest…此句為倒裝語序，正常語序為notional rate of interest is set off against this(cost)　　(2) set off抵銷　　(3) against the account or debt of兌換；提?。鹤鳛閹ど系膽?yīng)收款項或作為…的借項　　例：drew a check against my bank balance.　　開支票支取自己的銀行結(jié)余　　 the notional interest exceeds the cost of the debit items no charge is made, although no interest is credited to the ，但凡是名義上的利率超過借記項目的費用，就不收取費用?！　?1) Where … ，意為在那種情況，那樣，但是?！　?2) debit items貸記項目　　(3) although… ?！　?4) credit entry or the sum of the entries on this side貸記：在這一方的記入或記入總數(shù)EndorseTo sign a contract indicating approval of the terms and conditions of the contract. Also referred as acceptance of risk for debt issuance. Commercial Paper（CP）Short term debt issued by a large pany in their own name. CP is generally unsecured （has no security）. Also called promissory notes. DiscountThe price of a bill of exchange after interest has been deducted. Interest accumulates until process of repaying one bill by issuing another bill for a similar term. Also, the movement of money from one investment to another.　背書在合同上簽字，表明同意合同中的條件。即承擔(dān)債務(wù)發(fā)行的風(fēng)險。 商業(yè)匯票大公司以自己的名義發(fā)行的短期債務(wù)。商業(yè)發(fā)票一般無安全保障（無抵押）。 貼現(xiàn)匯票扣除利息后的價格。利息累積到期限結(jié)束。展期通過發(fā)行類似期限的新票據(jù)來償還舊票據(jù)。也指資金從一個投資項目流到另一個投資項目。　New Words business n. skill n. operate v. pany n. start n. train vt. official n. count v. guard vt. raise vt. share n. organize vt. invest v. banking n.　單詞 商業(yè), 交易, 生意技能, 技巧管理，經(jīng)營商業(yè)企業(yè)；公司開始, 創(chuàng)辦訓(xùn)練, 培訓(xùn)官員, 職員數(shù), 計算保衛(wèi), 看守籌集, 籌款一份, 份額建立, 組織投資銀行業(yè)　Phrases and Expressions business skills a real bank to start the bank to count money to organize and operate the bank banking business to raise and invest money to ask for a job to be responsible for one39。s jobPhrases and Expressions 業(yè)務(wù)技能。 做生意的技能實體銀行創(chuàng)辦銀行數(shù)錢, 點鈔籌建和經(jīng)營銀行銀行業(yè)務(wù)籌資和投資找工作對工作負(fù)責(zé)　　Notes　　 is a real bank that accepts money for savings and makes ，發(fā)放貸款……的實體銀行?！　〈司錇橹鲝膹?fù)合句, 關(guān)系代詞that引導(dǎo)定語從句, 修飾前面的bank?！　?and operating the bank has taught the children a lot about the banking business. 籌建和經(jīng)營銀行教會了學(xué)生許多銀行業(yè)務(wù)?！　〈司渲械膐rganizing and operating the bank為動名詞短語, 在句中做主語?！　?have also learned how to ask for a job and to be responsible for their ，如何對自己的工作負(fù)責(zé)等學(xué)問。　　此句中的how to ask for…是“how 不定式”結(jié)構(gòu), 做賓語。New Words role n. safekeeping n. businessman n. invent vt. order vt. owner n. dollar n. payment n. interest n. arrange v. advice n. rent vt.　單詞 職責(zé), 功能保管, 保護(hù)商人發(fā)明, 創(chuàng)造定購, 定制所有者, 業(yè)主元, 美元付款, 支付利息安排, 協(xié)商忠告, 建議租, 租借想象, 設(shè)想　Phrases and Expressions to open a checking account to write a check a savings account to arrange for a bank loan loan department business firm investment department traveler39。s checks a safedeposit box valuable papers and articles短語與詞組 開立銀行賬戶開支票儲蓄賬戶籌借（安排）一筆銀行貸款貸款部商號, 廠商投資部旅行支票保管箱有價證券和貴重物品　　Notes　　 were developed to keep people39。s money safe and to make it available when they needed ，使他們在需要時能隨時提取?！　?1)此句中的動詞不定式短語to keep people39。s money safe和to make it available作目的狀語?！　?2)to keep people39。s money safe:使人們的錢財安全　　keep:to cause to continue in a state, condition, or course of action:維持：使…保持某一狀態(tài)、情況或過程的動作　　例如:attempt to keep the patient calm.　　試圖使病人鎮(zhèn)靜　　(3) to make it available:使存款隨時可取　?、賛ake:to