演示文稿關(guān)于錢和信用卡的

（優(yōu)選）關(guān)于錢和信用卡的現(xiàn)在是1頁\一共有31頁\編輯于星期五ContentsAdvantagesanddangersofhavingoneViewsoncreditcardsIntroductionofmoneyandcreditcardSomefactsaboutcreditcard題現(xiàn)在是2頁\一共有31頁\編輯于星期五Doyoulikemoney?現(xiàn)在是3頁\一共有31頁\編輯于星期五Moneyisakindofequivalentquantitativeexchangetool,andistopromotetheprosperityanddevelopmentofasocietyoffinancialcirculationtools.

錢，一種等值量化的交換工具，是促進(jìn)社會(huì)繁榮發(fā)展的一種金融流通工具。現(xiàn)在是4頁\一共有31頁\編輯于星期五

DifferentcurrenciesPound(GBP)1英鎊GBP=10.1284人民幣CNY

Pro現(xiàn)在是5頁\一共有31頁\編輯于星期五X

UnitedStatesDollar

(USD)1美元=6.2117人民幣元現(xiàn)在是6頁\一共有31頁\編輯于星期五Euro(EUR)1歐元=8.5384人民幣元現(xiàn)在是7頁\一共有31頁\編輯于星期五JapanYen(JPY)Hwan

1韓元=0.005811人民幣元

1日元=0.06040人民幣元現(xiàn)在是8頁\一共有31頁\編輯于星期五MoneyitemsBankmoneyBloodmoneyCallmoneyDarkmoneyhaveaguessEarnestmoneyFairymoneyFoldingmoneyGlovemoney現(xiàn)在是9頁\一共有31頁\編輯于星期五MoneyitemsBankmoney銀行票據(jù)Bloodmoney撫恤金；不義之財(cái)Callmoney活期存款Darkmoney加班費(fèi)Earnestmoney定金；保證金Fairymoney撿到的錢Foldingmoney紙幣Glovemoney賄賂現(xiàn)在是10頁\一共有31頁\編輯于星期五Sayings

about

Money

A

full

purse

makes

the

heart

light,a

light

purse

is

a

heavy

curse.為人有錢心事輕,

為人無錢處處難.Money

makes

the

mare

go.有錢能使鬼推磨。

Money

talks.金錢是萬能的。When

poverty

comes

in

at

the

door,

love

leaps

out

at

the

windows.貧窮從門走入，愛情隨之從窗戶溜走（貧賤夫妻百事哀）Money

does

not

grow

on

tree.金錢不長在樹上（錢不容易掙）現(xiàn)在是11頁\一共有31頁\編輯于星期五Moneyisagoodservantbutabadmaster.要做金錢的主人，莫做金錢的奴隸。Apennysavedisapennyearned.省一分，是一分Althoughpowerisastubbornbear,butgoldcanpullitbythenose·雖然權(quán)勢是一頭固執(zhí)的熊，可是金子可以拉著它的鼻子走。——莎士比亞

Wealthislikewater:youdrinkthemorethemoreyoufeelthirsty·財(cái)富就像海水：越喝越渴。——賀拉斯

現(xiàn)在是12頁\一共有31頁\編輯于星期五Developmentofmoney現(xiàn)在是13頁\一共有31頁\編輯于星期五IntroductionofcreditcardCreditCardisanon-cashtransactionpayment,asimplecreditservices.Itisasmallplasticcardthatyouusetobuygoodsorservicesandpayforthemlater.現(xiàn)在是14頁\一共有31頁\編輯于星期五Introductionofcreditcards

Acreditcardallowsyoutochargesomethingimmediatelyandthenpayforthebillforatalaterdate.Onceacreditcardhasbeenissued,youcanmakepurchaseswithintheprescribedcreditlimit.Forexampleacreditcardwithalimitof$100.00enablesyoutopayforupto$100.00worthofitems.Everymonth,youwillreceivecreditcardstatements(信用卡消費(fèi)賬單)thatliststhechargesyouhavemade.Youhavetopayyourbillinfullbytheduedate.Otherwise,youhavetopayinterest(利息)orafinancechargewhichcanbefairlyhigh.Script現(xiàn)在是15頁\一共有31頁\編輯于星期五Whygetacreditcard?Themainreasonistoestablishagoodcreditratingwhichwillenableyoutoborrowmoneyforacarorahouseatalowerrate.Havingalowerrateonamortgagecansavebigbucks!現(xiàn)在是16頁\一共有31頁\編輯于星期五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，越來越多的美國人流行用信用卡而不是用貨幣購買他們所需要的東西。幾乎所有收入來源穩(wěn)定，有持續(xù)工作記錄的人都可以申請(qǐng)信用卡?？晒┻x擇的信用卡種類很多，其中有些信用卡很流行，如美國運(yùn)通卡、維薩卡及萬事達(dá)卡等等?，F(xiàn)在是17頁\一共有31頁\編輯于星期五Internationalcreditcardorganization

DinersClubAmericaExpress(AMEX)MasterCardInternationalChinaUnionPayCo.,Ltd.JCBVISAInternational現(xiàn)在是18頁\一共有31頁\編輯于星期五現(xiàn)在是19頁\一共有31頁\編輯于星期五Viewsoncreditcards

1.Whataretheadvantagesofhavingacreditcard?Youcanpayforgoodsandserviceswithoutusingcashorachequewhichmeansthatyouonlyneedtocarryonecardaroundwithyou.Youcanspendmorethanyouhave.2.Whichsortofcustomersdothecreditcardcompanieshate?peoplewhopayofftheirbillsontime3.Whataregoodcustomersforcreditcardcompanies?peoplewhodon’tpayofftheircreditcarddebts4.Howdocreditcardcompaniesmakeprofits?charginginterestrates現(xiàn)在是20頁\一共有31頁\編輯于星期五AdvantagesanddangersofhavingoneAdvantagesDonothavetotakecashandpaycashtogetgoodsandservices.Whenthecreditcardspendingisoverdraftconsumption(透支消費(fèi)）,motesthemailorder,telephoneordershopping,onlineshoppingdevelopment.現(xiàn)在是21頁\一共有31頁\編輯于星期五Savetime,andcanbesafeAvoidfakenotes(假鈔)GetthroughunexpectedemergenciesMonthlystatementskeepspendingrecordsinorderPayontime,andyoucanestablishagoodcredithistory現(xiàn)在是22頁\一共有31頁\編輯于星期五Dangers!ImproperusecandamagecreditratingHigherriskforimpulsivebuyingandoverspendingDebttrapwhenusedunwiselyExpensivewaytoborrowduetohighinterestratesLesstospendinthefutureduetopayingoffpurchasesfrompastPossiblehiddenfees&surchargesPrivacyisanincreasingconcernIdentitythefteasierHighinterestratesandannualfeesmakeyouindebted現(xiàn)在是23頁\一共有31頁\編輯于星期五Definition

CreditratingA

creditrating

isanevaluationofthe

creditworthiness

ofa

debtor,especiallya

business(company)oragovernment,.Theevaluationismadebya

creditratingagency

ofthedebtor'sabilitytopaybackthedebtandthelikelihoodof

default.現(xiàn)在是24頁\一共有31頁\編輯于星期五DebttrapAdebttrapisasituationinwhichanentity(實(shí)體)borrowsmoney,butdoesnothaveenoughmoneytomaketheinterestpaymentsontheloan,soittakesoutanotherloan--withitsowninterestpayments--tocoverthefirstloan'spayments.Theywilllikelyhavetoborrowagaintopayoffthesecondloan,creatingacripplingcycle.現(xiàn)在是25頁\一共有31頁\編輯于星期五InterestrateAn

interestrate

istherateatwhich

interest

ispaidbyaborrower(debtor)fortheuseofmoneythattheyborrowfroma

lender

(creditor).現(xiàn)在是26頁\一共有31頁\編輯于星期五AnnualfeeTheannualfeeisthefeethatischargedbysome

creditcard

companies

totheircreditcard

holders,simplyforhavingthecreditcard.Thisfeeischargedregardlessofanythingelse(the

amount

or

value

of

purchases

withthecreditcard,forexample).

現(xiàn)在是27頁\一共有31頁\編輯于星期五Thefacts

現(xiàn)在是28頁\一共有31頁\編輯于星期五Whethercollegestudentsshouldhaveacreditcard?Therealproblemisthatformanyofthesestudents,theypaylittleattentiontointerestrates,terms,andcardfeatures.Thecardtheychoosemaysetthemupforfailurerightfromthestart.Inaddition,manyyoungpeoplearenotadequatelyeducatedaboutcreditcardsanddebt.Theymayknowthatyouhavetopaythemoneyback,buttheymaynotbepreparedtounderstandtheeffectofhighinterestrates,minimumpayments,andthedevastatingeffectthatlatepaymentscancause現(xiàn)在是29頁\一共有31頁\編輯于星期五Withallofthenegativeconsequencesofcreditcarddebt,thefact