成人高等教育英語教材3 04

[00:00.00] UNIT 4 [00:27.09]How to Use a Bank [00:31.63]Integrated Skills Development [00:37.20]Passage [00:41.27]Banking Services [00:45.04]Everyone needs money to buy food, clothes, and housing. [00:52.90]Very few people can produce everything that they need. [00:58.54]Today, most people use money to buy these things. [01:04.39]Buying and selling is necessary for modern society. [01:10.56]Money is important for life, [01:15.31]and banks control money in most places. [01:20.48]In the United States, there are many different banks, [01:26.13]and they offer many different services. [01:30.80]The most common banking service is the checking account. [01:37.57]People deposit their money in the bank, [01:42.01]and then they can write checks to buy things. [01:46.68]A check is a piece of paper. [01:50.94]It tells the bank to pay the seller. [01:56.11]The bank must pay the seller from the customer's account. [02:02.36]The customer usually pays the bank [02:07.22]a service charge for a checking account. [02:12.57]Another banking service is the savings account. [02:18.74]People can deposit some of their money in a savings account. [02:24.48]They do not usually need this money right now. [02:30.05]They leave the money in the bank and withdraw it when they need it. [02:36.29]The bank will pay interest on the savings account. [02:42.25]Interest is the money that the bank gives to the customer. [02:48.49]Loans are an important banking service. [02:55.46]Banks give money to businesses and to individuals. [03:01.03]A bank may loan money to a business to buy more machines or tools. [03:07.79]Some people borrow money from the bank [03:12.47]to build swimming pools or to repair their house. [03:17.43]The bank always charges interest on loans. [03:23.31]The borrower must repay the loan plus the interest. [03:29.66]The interest on loans [03:33.42]is always higher than the interest on savings accounts. [03:39.17]The credit card is another important service that the bank provides. [03:47.03]It makes life easier in many ways. By using the credit card, [03:54.48]people no longer need carry about [03:58.86]large sums of money while travelling. [04:03.72]Banks in the United States usually have safe deposit boxes. [04:11.87]These boxes are in the vault at the bank. [04:17.44]The vault is a room that has a very heavy door [04:23.21]with a very safe lock on it. [04:27.05]Because it is very difficult to get into the vault a bank, [04:32.82]a safe deposit box is a good place to keep important things. [04:39.38]Customers can rent the boxes from the bank for a small fee each year. [04:46.75]Many people keep their important papers, [04:52.10]such as their birth certificate, marriage certificate, [04:57.35]or passport, in their safe deposit boxes. [05:02.81]Some people keep gold, [05:06.68]silver and valuable gems in their safe deposit boxes. [05:13.13]Another banking service is the automatic teller machine. [05:20.29]Many banks have machines outside the bank [05:25.36]so that customers can get their money any time they want, [05:31.00]day or night. Customers can deposit or withdraw. [05:37.95]They can withdraw cash any time — [05:42.49]if they have money in their accounts. [05:47.53]Banks control the money. They keep money for people, [05:54.51]and they give loans. Banks control the interest rate. [06:01.59]In this way, [06:04.93]they can control the amount of money for business and individual loans. [06:12.01]Banks also offer their customers many useful services, [06:18.07]such as savings and checking accounts and loans. [06:23.82]In addition, [06:27.29]banks try to make using money easier with electronic machines.

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