boo k-2-Unit-2-B 我们正在走向无现金社会吗

Warming-upCanyoutellusthefunctionsoftellermachine?What’stheATM?TextBAreWeHeadedfortheCashlessSociety?InterestingproverbMoneydoesnotgrowontrees.天上不会掉馅饼Moneymakestheworldgoaround.有钱能使鬼推磨Moneytalks.钱有发言权1.Teachingaims:

(1)letstudentsknowabouttheconceptofelectronicbanking(2)letstudentsknowwhatisEFTSanditsthreeparts(3)expandthevocabulary2.Teachingcontent:(1)thereadingskills(2)EFTSanditsthreebasicparts3.Importantanddifficultpoints:

(1)practicethereadingskills4.Teachingmethods:

Communicativeandtask-basedteachingmethodspre-ReadingReceiptExpenditureAcheckingaccountAsavingsaccountTheadventofDebitCreditPayroll收入支出支票户头现金户头到来记入借方记入贷方工资名单While-readingYourquestionsWhenyouareshoppingnowadays,doyouprefertousecashorcheck?Creditcardshavebeenwidelyused“inplaceofmoney”.Dotheyreallyreplacemoney?Doestheuseofcreditcardshaveanyinfluenceon/changeyourconsumingbehavior?Whataretheadvantagesofacashlessandchecklesssociety?Electronicbanking

Ithasradicallychangedthewaycustomerscandobanking.Beforee-banking,checkinganaccountbalancerequiredthecustomertoeithergotocustomerserviceortheteller.Nowtherearemanymethodsavailable.ATMhasbecomeanessentialpartofourlives,becauseitallowsustocheckbalances,deposit,withdrawandtransfermoney.Telephonebankingallowscustomerstoperformelectronicfundstransfertransactions(alsoknownasEFT),checkbalancesandpaybills.Mobilebankinghasnearlythesamefunctionalityastelephonebanking,exceptthatinformationisrelayedbyShortMessageServiceorSMS,however,payingbillsbymobilebankingisn'tpractical.Internetbankingontheotherhandgivesaccesstoabroaderrangeofservices.Theseservicesincludechangingaccountdetailslikeaddress,andpassword,EFT,arrangingbillpaymentsordirectdebits,andperformingaccountinquiries.accounts帐户

Customersgenerallyvisitabankfortworeasons.Thefirstistoborrowmoneytopurchaseanitem,whichmightcostmorethantheirmonthlyincome.Thesecondistodeposittheirmoneyinthebankforsafe-keeping.Thismoneyiskeptinabankaccount,andascompensationfortheuseofthecustomer'smoneythebankpaysinteresttothecustomer.Therearemanytypesofcustomerbankingaccounts.Themostcommonaresavingsaccounts（储蓄账户）,timeortermdepositaccounts（定期存款账户）,foreigncurrencyaccounts（外汇账户）,cashmanagementaccounts（现金管理账户）,moneymarketaccounts（货币市场账户）andcheckingaccounts（支票账户）.Thelevelofinterestavailableontheseaccountsdependsonthewhetherthefundsareavailableondemand(alsoreferredtoasatcalldeposits),thecurrencytheaccountisdenominatedinandthesourceofendinvestmentusedbythebank.Usuallythehighertheinterestrate,thelessaccessthecustomerhastotheirmoney.

fixeddeposit定期存款

alsoreferredtoasatimedeposit,termdeposit（期限存款）

orCertificateofDeposit(CD)（定期存单）,

isakindofsavingsdepositwithadefinitelengthofmaturity.Theprincipalororiginalinvestment

（本金或初始投资金）

amountisplacedintoasavingsaccountandearnsinterestatapre-determinedrate.Generally,timedepositsofferinvestmentmaturitytermsfrom3monthsto5yearswherelongertermsearnhigherrates.Timedepositsofferhigherratesofreturnthanmostcomparableinvestmentsbecausetheinvestedmoneyis“tiedup”untilthematurityofthetimedeposit.Moneyremovedbeforematurityissubjecttoanearlywithdrawalpenalty.Suchwithdrawalsusuallyresultininterestbeingcalculatedatthecurrentorat-calldepositrate（活期利息）.Timedepositsarelowrisk,lowreturninvestmentsandaregenerallyavailableforaminimuminvestmentamountof50RMB,withoutanyupperlimit.Thistypeofdepositissuitableforcustomerswhodonotrequireaccesstotheirmoneyforacertainperiodoftime.check

支票awrittenorderbyanaccountholdertohisbanktopayacertainsumofmoneytoapayee.Acheckisnotlegaltender.Checkshavebeenusedinvariousformsforthepast200years,andeachdaythroughouttheworldthereareapproximately12millioncheckswritten.Checkscomein3forms:bank,companyandpersonalchecks.Abankcheckisthemostacceptedasitcarriestheleastriskbecausebankchecksarewrittenordersdirectingabanktopaymoney.Apersonalcheckontheotherhandcarriesthehighestrisk,asitwillonlybepaidifthecustomer'saccounthassufficientfundstocoverthespecifiedamountofthecheck.Creditcards

信用卡usuallyissuedbybanks,aregrantedtopersonsforborrowingmoney,orbuyingproductsandservices,butallowingdelayedpayment.Putsimply,creditcardsare"buynow,paylater".SomeofthemorewidelyknowncardnamesincludeMasterCard,Visa,AmericanExpress,andGreatWall.Creditcardsarenottobeconfusedwith"chargecards",suchasdepartmentstorecards,whichrequirefullpaymentofthebalancebeforetheendofthebillingperiod.Itisnotalineofcreditandnointerestischarged.Ithasbeenestimatedthatthereareapproximately500millioncreditcardsinuseworldwide,whichconfirmsthepopularityofthisformofconsumercredit.QuestionsofthetextDoyouthinkthatmoneywillnolongerexist?WhatisEFTS?Howmanypartsdoesithave?Whatarethey?What’stheexactfunctionoftellermachines?Howdoesthepoint-of-salesystemwork?Inwhataspectisthesystemofautomatedclearinghousesespeciallyused?EFTS:ElectronicFundsTransferSystem电子资金转帐系统Anysystemthatmovesfundsfromoneinstitut