演示文稿关于钱和信用卡的

（优选）关于钱和信用卡的当前第1页\共有31页\编于星期五\4点ContentsAdvantagesanddangersofhavingoneViewsoncreditcardsIntroductionofmoneyandcreditcardSomefactsaboutcreditcard题当前第2页\共有31页\编于星期五\4点Doyoulikemoney?当前第3页\共有31页\编于星期五\4点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。当前第4页\共有31页\编于星期五\4点

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

Pro当前第5页\共有31页\编于星期五\4点X

UnitedStatesDollar

(USD)1美元=6.2117人民币元当前第6页\共有31页\编于星期五\4点Euro(EUR)1欧元=8.5384人民币元当前第7页\共有31页\编于星期五\4点JapanYen(JPY)Hwan

1韩元=0.005811人民币元

1日元=0.06040人民币元当前第8页\共有31页\编于星期五\4点MoneyitemsBankmoneyBloodmoneyCallmoneyDarkmoneyhaveaguessEarnestmoneyFairymoneyFoldingmoneyGlovemoney当前第9页\共有31页\编于星期五\4点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贿赂当前第10页\共有31页\编于星期五\4点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）当前第11页\共有31页\编于星期五\4点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

当前第12页\共有31页\编于星期五\4点Developmentofmoney当前第13页\共有31页\编于星期五\4点IntroductionofcreditcardCreditCardisanon-cashtransactionpayment,asimplecreditservices.Itisasmallplasticcardthatyouusetobuygoodsorservicesandpayforthemlater.当前第14页\共有31页\编于星期五\4点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当前第15页\共有31页\编于星期五\4点Whygetacreditcard?Themainreasonistoestablishagoodcreditratingwhichwillenableyoutoborrowmoneyforacarorahouseatalowerrate.Havingalowerrateonamortgagecansavebigbucks!当前第16页\共有31页\编于星期五\4点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。当前第17页\共有31页\编于星期五\4点Internationalcreditcardorganization

DinersClubAmericaExpress(AMEX)MasterCardInternationalChinaUnionPayCo.,Ltd.JCBVISAInternational当前第18页\共有31页\编于星期五\4点当前第19页\共有31页\编于星期五\4点Viewsoncreditcards

1.Whataretheadvantagesofhavingacreditcard?Youcanpayforgoodsandserviceswithoutusingcashorachequewhichmeansthatyouonlyneedtocarryonecardaroundwithyou.Youcanspendmorethanyouhave.2.Whichsortofcustomersdothecreditcardcompanieshate?peoplewhopayofftheirbillsontime3.Whataregoodcustomersforcreditcardcompanies?peoplewhodon’tpayofftheircreditcarddebts4.Howdocreditcardcompaniesmakeprofits?charginginterestrates当前第20页\共有31页\编于星期五\4点AdvantagesanddangersofhavingoneAdvantagesDonothavetotakecashandpaycashtogetgoodsandservices.Whenthecreditcardspendingisoverdraftconsumption(透支消费）,youcanhaveinterest-freeperiod.promotesthemailorder,telephoneordershopping,onlineshoppingdevelopment.当前第21页\共有31页\编于星期五\4点Savetime,andcanbesafeAvoidfakenotes(假钞)GetthroughunexpectedemergenciesMonthlystatementskeepspendingrecordsinorderPayontime,andyoucanestablishagoodcredithistory当前第22页\共有31页\编于星期五\4点Dangers!ImproperusecandamagecreditratingHigherriskforimpulsivebuyingandoverspendingDebttrapwhenusedunwiselyExpensivewaytoborrowduetohighinterestratesLesstospendinthefutureduetopayingoffpurchasesfrompastPossiblehiddenfees&surchargesPrivacyisanincreasingconcernIdentitythefteasierHighinterestratesandannualfeesmakeyouindebted当前第23页\共有31页\编于星期五\4点Definition

CreditratingA

creditrating

isanevaluationofthe

creditworthiness

ofa

debtor,especiallya

business(company)oragovernment,.Theevaluationismadebya

creditratingagency

ofthedebtor'sabilitytopaybackthedebtandthelikelihoodof

default.当前第24页\共有31页\编于星期五\4点DebttrapAdebttrapisasituationinwhichanentity(实体)borrowsmoney,butdoesnothaveenoughmoneytomaketheinterestpaymentsontheloan,soittakesoutanotherloan--withitsowninterestpayments--tocoverthefirstloan'spayments.Theywilllikelyhavetoborrowagaintopayoffthesecondloan,creatingacripplingcycle.当前第25页\共有31页\编于星期五\4点InterestrateAn

interestrate

istherateatwhich

interest

ispaidbyaborrower(debtor)fortheuseofmoneythattheyborrowfroma

lender

(creditor).当前第26页\共有31页\编于星期五\4点AnnualfeeTheannualfeeisthefeethatischargedbysome

creditcard

companies

totheircreditcard

holders,simplyforhavingthecreditcard.Thisfeeischargedregardlessofanythingelse(the

amount

or

value

of

purchases

withthecreditcard,forexample).

当前第27页\共有31页\编于星期五\4点Thefacts

当前第28页\共有31页\编于星期五\4点Whethercollegestudentsshouldhaveacreditcard?Therealproblemisthatformanyofthesestudents,theypaylittleattentiontointerestrates,terms,andcardfeatures.Thecardtheychoosemaysetthemupforfailurerightfromthestart.Inaddition,manyyoungpeoplearenotadequatelyeducatedaboutcreditcardsanddebt.Theymayknowthatyouhavetopaythemoneyback,buttheymaynotbepreparedtounderstandtheeffectofhighinterestrates,minimumpayments,andthedevastatingeffectthatlatepaymentscancause当前第29页\共有31页\编于星期五\4点Withallofthenegativeconsequencesofcreditcarddebt,thefac