金融英语-2-banking省公开课金奖全国赛课一等奖微课课件.pptx

金融英语-2-banking省公开课金奖全国赛课一等奖微课课件.pptx

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Part2Banking2.1Financialinstitutions2.2Personalbanking2.3Commercialandretailbanking2.4Investmentbanking2.5Centralbanking2.6Islamicbanking2.7Interestrate2.8Moneymarket2.9Moneysupplyandcontrol1/47

2.1FinancialinstitutionsInthe20thcentury,mostbanksarespecializedinthefollowingareas:Retailbanks(零售银行)orcommercialbanks(商业银行);Investmentbanks(投资银行);Insurancecompanies(保险企业);Buildingsocieties(建房互助协会)=savingsandloansassociations(储蓄贷款协会).Makeloans,receivedepositsGivefinancialadvice;Raisecapital;OrganizemergersandtakeoverbidsSpecializedinmortgages2/47

DeregulationIn1980sand90s,thefinancialindustrychangedradicallybecauseofthederegulation(缩小国家对经济干预范围).Beforederegulation,commercialbanksinUS,BritainandJapanwasforbiddentodoinvestmentbankingbusiness.Today,manyinternationalconglomerates(大集团)offeracompleterangeoffinancialservicestosatisfyallfinancialneeds.3/47

Specializedbanks(专业银行)Centralbanks(中央银行):issuecurrencyandcarryoutthegovernment’sfinancialpolicy.Privatebanks(私人银行):managetheassetsofrichpeopleorhighnetworthindividuals.Clearingbanks(清算银行):passchequesandotherpaymentsthroughthebankingsystem.Non-bankfinancialintermediaries(非银行金融中介):offerproductslikepersonalloans,creditcardsandinsurance,suchascarmanufacturers,departmentstores.4/47

Exercises:whichtypesofbanksdothefollowingbelongto?1.ThefederalreservewasfoundedbyCongressin1931toprovidethenationwithasafer,moreflexible,andmorestablemonetaryandfinancialsystem.2.Weprovideafullrangeofproductsandservices,includingadvisingoncorporatestrategyandstructure,andraisingcapitalinequityanddebtmarkets.5/47

3.Howcanwehelpyou?wecan:Buildalong-term,one-to-onerelationshipwithyourbanker.Manageyourfamily’sdiversebusinessandpersonalassets.Buildaportfoliotailoredtoyourfamily’suniqueneeds.Plananactiveroleinmanagingyouras

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