金融英语Unit_2.ppt

Ⅰ Warm-up: What do you know about the real-name system for the banking service? On April 1, 2000, banks in China started to adopt the real-name system. The real name system or ID-backed account means that a customer is required to show his or her own legal ID card when he or she wants to have a bank account with a commercial bank, and a copy of the ID card will be put on file with the customer’s signature on the document. The ID number will be required to verify the customer’s identity when any transactions are made by the customer with the bank later. What documents do you think should be presented if it is your first time to open a deposit account with a bank? The following documents may be required for different people: ID card for Chinese citizens, Hukou (certificate of permanent residence) for Chinese below 16 years old, and China’s passport for Chinese citizens living abroad. Military ID certificates for servicemen and police ID certificates for policemen. The Mainland Travel Permit for Hong Kong and Macao Residents; the Mainland Travel Permit or other valid travel certificates for Taiwan residents. Passports for foreign nationals. Other valid certificates stipulated by the law. What do you think should be written on the deposit slip? What should you do if you forgot your password when you withdrew money from an ATM? Give some information about your bank account to prove that your are the holder of the card; Your identity will be verified and the information confirmed by the bank; In several days, usually 7 days, you will be allowed to set a new password or a new bank card / passbook will be issued by presenting the copy of the application and ID card. Dialog 1 W: Why can’t I tell interest rate from exchange rate? Who can help me? M: Well, it is not as difficult as you think. There is a simple way to tell the difference. When you deposit money with a bank or borrow money from a bank, you usually earn or pay interest at the set interest rate. If you