銀行英語

前言

　　隨著經(jīng)濟(jì)一體化、金融全球化時(shí)代的到來，中國經(jīng)濟(jì)日益融入世界經(jīng)濟(jì)之中。懂專業(yè)知識(shí)、會(huì)國際語言成為各個(gè)行業(yè)，尤其是作為服務(wù)業(yè)的金融業(yè)的首選目標(biāo)。為使我國金融人才的培養(yǎng)更多地與國際接軌，為使金融從業(yè)人員更多地掌握國際銀行業(yè)務(wù)，我們特編寫此書?！　　躲y行英語》一書的內(nèi)容涉及出納、存匯、貸款、貿(mào)易融資、資金業(yè)務(wù)、外匯買賣和支付系統(tǒng)，它基本上涵蓋了國際銀行業(yè)務(wù)的方方面面?！　　躲y行英語》的寫作采用了全新的方法。它一改以往專業(yè)英語教材按課文、生詞詞組、注解、翻譯練習(xí)、閱讀理解的順序編寫的陳舊模式，取而代之的是以討論、情景模擬、技能訓(xùn)練為一體的綜合寫作模式，使學(xué)生在討論中學(xué)習(xí)、在情景模擬中掌握銀行業(yè)務(wù)的具體做法，本書力求做到使學(xué)生聽、說、讀、寫能力協(xié)調(diào)發(fā)展，全面提高?！　”緯勺鳛樨?cái)經(jīng)、金融類高等院校的專業(yè)英語教材，也可作為全國金融專業(yè)英語證書考試的培訓(xùn)教材，更可供金融系統(tǒng)從業(yè)人員自學(xué)使用。為便于教學(xué)和自學(xué)，本書對(duì)所有練習(xí)都提供了答案。作為立體化教材的一部分，該書的電子教案和助學(xué)軟件亦在積極醞釀之中。

內(nèi)容概要

本書是行業(yè)英語系列教材中的一冊(cè)。本書的內(nèi)容涉及出納、存匯、貸款、貿(mào)易融資、資金業(yè)務(wù)、外匯買賣和支付系統(tǒng)，基本涵蓋了國際銀行業(yè)務(wù)的方方面面。本書結(jié)構(gòu)新穎，以討論、情景模擬、技能訓(xùn)練為一體，力求使學(xué)生在討論中學(xué)習(xí)新知識(shí)，在情景模擬中掌握銀行業(yè)務(wù)。

書籍目錄

Unit 1  Financial DocumentsUnit 2  Foreign ExchangeUnit 3　RemittanceUnit 4  CollectionUnit 5  Letter of CreditUnit 6  Factoring ServicesUnit 7  Personal AccountsUnit 8  LoansUnit 9  Inter-bank ElectronicsReference Keys

章節(jié)摘錄

　　How Does Your Invoice Factoring Work？　　Factoring works as follows: The factor fully manages your salesledger and provides you with credit control and collection servicesof all your outstanding debts. The invoices you issue upon a sale aresent to the factor who typically advances up to 80% to 90% of theinvoice amount to you. The balance, less charges, is paid when thecustomer makes payment directly to the factor. The service isdisclosed to your customer who typically receives a letter from thefactor, or attached note to your invoice, containing paymentinstructions to the factor.　　Funds are typically released to you within 24 hours of issuingthe invoice.　　There are typically two costs involved:　a service chargeexpressed as a percentage of sales factored and an interest chargefor the cash advances. The service charge, covering sales ledgermanagement, collections services and, if you wish, bad debtprotection can range between 0.60% and 3.0% of turnover. Themain considerations in determining the service charge are yourannual turnover, number of invoices and number of customers. Theinterest charges calculated on the daily usage of funds is typicallycomparable to normal secured bank overdraft rates.

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