演示文稿关于钱和信用卡的

（优选）关于钱和信用卡的现在是1页\一共有31页\编辑于星期五ContentsAdvantagesanddangersofhavingoneViewsoncreditcardsIntroductionofmoneyandcreditcardSomefactsaboutcreditcard题现在是2页\一共有31页\编辑于星期五Doyoulikemoney?现在是3页\一共有31页\编辑于星期五Moneyisakindofequivalentquantitativeexchangetool,andistopromotetheprosperityanddevelopmentofasocietyoffinancialcirculationtools.

钱，一种等值量化的交换工具，是促进社会繁荣发展的一种金融流通工具。现在是4页\一共有31页\编辑于星期五

DifferentcurrenciesPound(GBP)1英镑GBP=10.1284人民币CNY

Pro现在是5页\一共有31页\编辑于星期五X

UnitedStatesDollar

(USD)1美元=6.2117人民币元现在是6页\一共有31页\编辑于星期五Euro(EUR)1欧元=8.5384人民币元现在是7页\一共有31页\编辑于星期五JapanYen(JPY)Hwan

1韩元=0.005811人民币元

1日元=0.06040人民币元现在是8页\一共有31页\编辑于星期五MoneyitemsBankmoneyBloodmoneyCallmoneyDarkmoneyhaveaguessEarnestmoneyFairymoneyFoldingmoneyGlovemoney现在是9页\一共有31页\编辑于星期五MoneyitemsBankmoney银行票据Bloodmoney抚恤金；不义之财Callmoney活期存款Darkmoney加班费Earnestmoney定金；保证金Fairymoney捡到的钱Foldingmoney纸币Glovemoney贿赂现在是10页\一共有31页\编辑于星期五Sayings

about

Money

A

full

purse

makes

the

heart

light,a

light

purse

is

a

heavy

curse.为人有钱心事轻,

为人无钱处处难.Money

makes

the

mare

go.有钱能使鬼推磨。

Money

talks.金钱是万能的。When

poverty

comes

in

at

the

door,

love

leaps

out

at

the

windows.贫穷从门走入，爱情随之从窗户溜走（贫贱夫妻百事哀）Money

does

not

grow

on

tree.金钱不长在树上（钱不容易挣）现在是11页\一共有31页\编辑于星期五Moneyisagoodservantbutabadmaster.要做金钱的主人，莫做金钱的奴隶。Apennysavedisapennyearned.省一分，是一分Althoughpowerisastubbornbear,butgoldcanpullitbythenose·虽然权势是一头固执的熊，可是金子可以拉着它的鼻子走。——莎士比亚

Wealthislikewater:youdrinkthemorethemoreyoufeelthirsty·财富就像海水：越喝越渴。——贺拉斯

现在是12页\一共有31页\编辑于星期五Developmentofmoney现在是13页\一共有31页\编辑于星期五IntroductionofcreditcardCreditCardisanon-cashtransactionpayment,asimplecreditservices.Itisasmallplasticcardthatyouusetobuygoodsorservicesandpayforthemlater.现在是14页\一共有31页\编辑于星期五Introductionofcreditcards

Acreditcardallowsyoutochargesomethingimmediatelyandthenpayforthebillforatalaterdate.Onceacreditcardhasbeenissued,youcanmakepurchaseswithintheprescribedcreditlimit.Forexampleacreditcardwithalimitof$100.00enablesyoutopayforupto$100.00worthofitems.Everymonth,youwillreceivecreditcardstatements(信用卡消费账单)thatliststhechargesyouhavemade.Youhavetopayyourbillinfullbytheduedate.Otherwise,youhavetopayinterest(利息)orafinancechargewhichcanbefairlyhigh.Script现在是15页\一共有31页\编辑于星期五Whygetacreditcard?Themainreasonistoestablishagoodcreditratingwhichwillenableyoutoborrowmoneyforacarorahouseatalowerrate.Havingalowerrateonamortgagecansavebigbucks!现在是16页\一共有31页\编辑于星期五Today

Today,

more

and

more

people

in

the

United

States

are

using

credit

cards

instead

of

money

to

buy

the

things

they

need.

Almost

any

one

who

has

a

steady

income

and

a

continuous

work

record

can

apply

for

a

credit

card.

There

are

many

credit

cards

available:

American

Express,

VISA,

and

Master

Charge

are

some

of

the

most

popular.今天，越来越多的美国人流行用信用卡而不是用货币购买他们所需要的东西。几乎所有收入来源稳定，有持续工作记录的人都可以申请信用卡。可供选择的信用卡种类很多，其中有些信用卡很流行，如美国运通卡、维萨卡及万事达卡等等。现在是17页\一共有31页\编辑于星期五Internationalcreditcardorganization

DinersClubAmericaExpress(AMEX)MasterCardInternationalChinaUnionPayCo.,Ltd.JCBVISAInternational现在是18页\一共有31页\编辑于星期五现在是19页\一共有31页\编辑于星期五Viewsoncreditcards

1.Whataretheadvantagesofhavingacreditcard?Youcanpayforgoodsandserviceswithoutusingcashorachequewhichmeansthatyouonlyneedtocarryonecardaroundwithyou.Youcanspendmorethanyouhave.2.Whichsortofcustomersdothecreditcardcompanieshate?peoplewhopayofftheirbillsontime3.Whataregoodcustomersforcreditcardcompanies?peoplewhodon’tpayofftheircreditcarddebts4.Howdocreditcardcompaniesmakeprofits?charginginterestrates现在是20页\一共有31页\编辑于星期五AdvantagesanddangersofhavingoneAdvantagesDonothavetotakecashandpaycashtogetgoodsandservices.Whenthecreditcardspendingisoverdraftconsumption(透支消费）,motesthemailorder,telephoneordershopping,onlineshoppingdevelopment.现在是21页\一共有31页\编辑于星期五Savetime,andcanbesafeAvoidfakenotes(假钞)GetthroughunexpectedemergenciesMonthlystatementskeepspendingrecordsinorderPayontime,andyoucanestablishagoodcredithistory现在是22页\一共有31页\编辑于星期五Dangers!ImproperusecandamagecreditratingHigherriskforimpulsivebuyingandoverspendingDebttrapwhenusedunwiselyExpensivewaytoborrowduetohighinterestratesLesstospendinthefutureduetopayingoffpurchasesfrompastPossiblehiddenfees&surchargesPrivacyisanincreasingconcernIdentitythefteasierHighinterestratesandannualfeesmakeyouindebted现在是23页\一共有31页\编辑于星期五Definition

CreditratingA

creditrating

isanevaluationofthe

creditworthiness

ofa

debtor,especiallya

business(company)oragovernment,.Theevaluationismadebya

creditratingagency

ofthedebtor'sabilitytopaybackthedebtandthelikelihoodof

default.现在是24页\一共有31页\编辑于星期五DebttrapAdebttrapisasituationinwhichanentity(实体)borrowsmoney,butdoesnothaveenoughmoneytomaketheinterestpaymentsontheloan,soittakesoutanotherloan--withitsowninterestpayments--tocoverthefirstloan'spayments.Theywilllikelyhavetoborrowagaintopayoffthesecondloan,creatingacripplingcycle.现在是25页\一共有31页\编辑于星期五InterestrateAn

interestrate

istherateatwhich

interest

ispaidbyaborrower(debtor)fortheuseofmoneythattheyborrowfroma

lender

(creditor).现在是26页\一共有31页\编辑于星期五AnnualfeeTheannualfeeisthefeethatischargedbysome

creditcard

companies

totheircreditcard

holders,simplyforhavingthecreditcard.Thisfeeischargedregardlessofanythingelse(the

amount

or

value

of

purchases

withthecreditcard,forexample).

现在是27页\一共有31页\编辑于星期五Thefacts

现在是28页\一共有31页\编辑于星期五Whethercollegestudentsshouldhaveacreditcard?Therealproblemisthatformanyofthesestudents,theypaylittleattentiontointerestrates,terms,andcardfeatures.Thecardtheychoosemaysetthemupforfailurerightfromthestart.Inaddition,manyyoungpeoplearenotadequatelyeducatedaboutcreditcardsanddebt.Theymayknowthatyouhavetopaythemoneyback,buttheymaynotbepreparedtounderstandtheeffectofhighinterestrates,minimumpayments,andthedevastatingeffectthatlatepaymentscancause现在是29页\一共有31页\编辑于星期五Withallofthenegativeconsequencesofcreditcarddebt,thefact