商务英语学习.ppt

Banking bad debt bank account bank cardbank charge bank clerks bankerbank holiday bank loan bank managerbanknote bank statementbank teller bank transferblank cheque bounce(cheque)cash dispensercashcard cash point central bankcheque cardcredit card1.Banking crossed cheque current accountdebit(n,v)deposit account direct debitexternal foreign exchange currencyoverdrawn payable payeepayer paying-in slip savings account serial numberstanding order transfer(n,v)travellers cheque withdrawal2.Central bankA nations principal monetary authority,such as the Federal Reserve Bank,which regulates the money supply and credit,issues currency,and manages the rate of exchange.3.regulatingthe size of a nations money supplythe availability and cost of creditthe foreign exchange value of its currency issuing notes to be used as legal tendersupervising the operations of the commercial banking systemimplementing monetary policy4.issuing notes to be used as legal tendersupervising the operations of the commercial banking systemimplementing monetary policy5.Central banks act as the fiscal agent of the government,By increasing or decreasing the supply of money and credit,they affect interest rates,thereby influencing the economy.6.pictureverbto imagine something by making an image in your mindTom,picturing the scene,smiled.Picture the scene-the crowds of people and animals,the noise,the dirt.7.shuttlea plane,bus,or train that makes regular short journeys between two placesHe took the Washington-New York shuttle.A shuttle bus operates to and from the beach of San Benedetto.Theres a shuttle service from the city center to the airport.8.en routeon the wayen route from/toa flight en route from Tokyo to Sydneyen route for(BrE)We stayed there en route for London.Why dont we stop for lunch en route?9.cheque/checka printed form that you use to pay for something instead of using money,with the amount in words and numbers,the date,the person being paid,and the signature of your name a cheque for 200 pay by chequecash the cheque(=exchanged it for cash)stop the cheque(=tell the bank not to pay it).bank cheque=bankers chequepersonal chequeblank cheque10.fingertipthe end of your finger,that is furthest away from your handShe touched his cheek gently with her fingertips.have something at your/their fingertipsto have knowledge or information ready and available to use very easilyWe have all the facts and figures at our fingertips.to his/her fingertipsBritish English in all ways;completelyShes British to her fingertips.11.financial position situation The company is in a bad financial position because of overproduction and distribution problems.12.Net positionThe value of the position subtracting the initial cost of setting up the position.For example,if 100 options where purchased for$1 each and the option is currently trading for$9,the value of the net position is$900-$100=$80013.positionthe situation that a person or organization is in,or the situation concerning a particular subject The company is in a strong financial position,with more than$7 million in cash and no short-term debt.The investment would weaken the companys competitive position.The new legislation puts the unions in a difficult position.Whats the present position with regard to import restrictions?cash position:the amount of cash that a company has available at a particular time The companys cash position from trading activities appears to be healthy.14.Net net amount:the final amount that remains after all the other amounts have been taken awaynet profit(after taxes,costs etc).net weight(the weight of something without its container)The company reported a net loss of$56 million last year.Vernon estimates the companys net worth at over$8 billion.The United States is a net importer of net result/effectthe final result or effect of somethingThe net result will be higher costs to the consumer.adverb He earns$40,000 net.jars of coffee weighing 450 grams net.16.access verbto find information,especially on a computer The software enables each client to access data from other databases.to be able to use somethingMany customers now access their accounts using the internet.17.sterlingthe system of money in Britain,based on the pound Sterling was trading at$1.6490,up from$1.6470.His salary is paid in pounds sterling.18.BACSBanks Automated Clearing System ideal for making regular automated payments to repeat customershelping those making more than 150 monthly payments to manage cash flowreducing the likelihood of human error.19.The advantages of BACSRegular automated payments Reduces time and cost of administering bulk payments Helps manage cash flow and improve financial control Reduces risk of loss,late payment and theft for customers At the enterprise level,BACS can be integrated with an e-commerce b2b purchasing system to allow automated settlement of accounts between organizations.As the BACS process is electronic,it removes the need to write cheques,which can be a costly process,subject to human error.Payments can be made much later in a business day,up to 9pm and are cleared within two business days to any bank account.20.CHAPSan electronic bank-to-bank same-day value payment made within the UK in either sterling or euro.fast,secure and efficient and the money transferred the same day.irrevocable.one of the largest real-time gross settlement(RTGS)systems in the world.for business-to-business payments;to transfer the purchase price of a house between the bank accounts of those involved;by individuals buying or selling a high-value item,such as a car,who need a secure,urgent,same-day guaranteed payment.21.standing orderBritish Englishan arrangement by which a bank pays a fixed amount of money from your account every month,year etcalso direct debitan instruction you give your bank to pay money directly out of your account regularly to a particular person or organization 22.cost-effectivenessbringing the best possible profits or advantages for the lowest possible costscost effective way of doing something the most cost-effective way of reducing carbon dioxide emissionsThe procedure is quick,easy to use and cost effective.23.built-informing a part of something that cannot be separated from ita built-in microphoneinbuilt(BrE)an inbuilt quality,feature etc is part of the nature of someone or somethingplants with inbuilt resistance to diseaseHistory has an inbuilt tendency to repeat itself.24.kept to a minimumkeep something to somethingto prevent an amount,degree,or level from becoming higher than it shouldkeep/reduce something to a minimumCosts must be kept to a minimum.She had reduced her consumption of fat and sugar to an absolute minimum.25.designateto choose someone or something for a particular job or purposeMr Timmer has been designated to succeed Mr van der Klugt.The government designated the aircraft industry as a strategic sector.be designated somethingdesignate something as/for somethingFunds were designated for projects in low-income areas.designate somebody to do somethingShe has been designated to take over the position of treasurer.26.dovetailto fit together perfectly or to make two plans,ideas etc fit together perfectlydovetail withMy vacation plans dovetail nicely with Joyces.to join two pieces of wood by means of dovetail joints a type of joint fastening two pieces of wood together 27.the Sage Group,New Castle,UKone of the worlds largest providers of accounting and payroll software for small and midsized businesses,designs its software to suit the specific accounting laws and practices in different countries.offering software applications for financial planning,billing,contact management,e-commerce,customer relationship management(CRM),and human resources management.providing a variety of services such as consulting,support,maintenance,and training.28.templatea thin sheet of plastic or metal in a special shape or pattern,used to help cut other materials in a similar shape(technical)a computer document containing some basic information that you use as a model for writing other documents,such as business letters,envelopes etcwritten something that is used as a model for another thing 29.beneficiarysomeone who gets advantages from an action or changeThe rich were the main beneficiaries of the tax cuts.someone who receives money or property from someone else who has diedHe was the chief beneficiary of his fathers will.30.Vocabulary 1Across1.DIRECT DEBITS6.NET9.WAGES10.ROUTINE12.COST18.FIT20.FOREIGN CURRENCY31.Vocabulary 1Down1.DISTRIBUTION2.BANKING3.TRANSACTIONS5.REPORTING7.URGENT8.DATA11.CONTROL13.TRANSFER14.FUNDS15.PRICE16.OPEN19.PAY32.Vocabulary 22.deposit3.cheque4.debit5.cash6.payment7.debit card8.credit9.transactions10.balance33.Vocabulary 3boot uplaptopdownloadsearch criterionprocessingsoftware34.value added taxid est=that islimitedper annum=every yearas soon as possibleexempli gratia=for example35.I owe you(a note)managing directorannual general meeting/GMSwiss franccorporationnot applicable36.any other businesspay as you earnchief executive officerpublic limited companyGreenwich Mean Timeante meridiem=before midday 37.admin.approx.Avea.enc./encl.Inc.incl.misc.mo.Ref.Sq.St.38.Abbreviations bkg cfm deptdoz /dz ft.Mktg.pd.pls.qty.Rd RecdAttn39.et al etclb/lbsN.B.oz.p.p.RSVPre40.Abbreviations a/cb/fc.c.c/oC.O.D.GDPH.P.PA PCPDQ p.m.POBPSPTOSAETMVSOP41.VSOP=very special old pale42.