演示文稿關(guān)于錢和信用卡的

（優(yōu)選）關(guān)于錢和信用卡的當(dāng)前第1頁\共有31頁\編于星期五\4點(diǎn)ContentsAdvantagesanddangersofhavingoneViewsoncreditcardsIntroductionofmoneyandcreditcardSomefactsaboutcreditcard題當(dāng)前第2頁\共有31頁\編于星期五\4點(diǎn)Doyoulikemoney?當(dāng)前第3頁\共有31頁\編于星期五\4點(diǎn)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。當(dāng)前第4頁\共有31頁\編于星期五\4點(diǎn)

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

Pro當(dāng)前第5頁\共有31頁\編于星期五\4點(diǎn)X

UnitedStatesDollar

(USD)1美元=6.2117人民幣元當(dāng)前第6頁\共有31頁\編于星期五\4點(diǎn)Euro(EUR)1歐元=8.5384人民幣元當(dāng)前第7頁\共有31頁\編于星期五\4點(diǎn)JapanYen(JPY)Hwan

1韓元=0.005811人民幣元

1日元=0.06040人民幣元當(dāng)前第8頁\共有31頁\編于星期五\4點(diǎn)MoneyitemsBankmoneyBloodmoneyCallmoneyDarkmoneyhaveaguessEarnestmoneyFairymoneyFoldingmoneyGlovemoney當(dāng)前第9頁\共有31頁\編于星期五\4點(diǎn)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賄賂當(dāng)前第10頁\共有31頁\編于星期五\4點(diǎn)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）當(dāng)前第11頁\共有31頁\編于星期五\4點(diǎn)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(shì)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

當(dāng)前第12頁\共有31頁\編于星期五\4點(diǎn)Developmentofmoney當(dāng)前第13頁\共有31頁\編于星期五\4點(diǎn)IntroductionofcreditcardCreditCardisanon-cashtransactionpayment,asimplecreditservices.Itisasmallplasticcardthatyouusetobuygoodsorservicesandpayforthemlater.當(dāng)前第14頁\共有31頁\編于星期五\4點(diǎn)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當(dāng)前第15頁\共有31頁\編于星期五\4點(diǎn)Whygetacreditcard?Themainreasonistoestablishagoodcreditratingwhichwillenableyoutoborrowmoneyforacarorahouseatalowerrate.Havingalowerrateonamortgagecansavebigbucks!當(dāng)前第16頁\共有31頁\編于星期五\4點(diǎn)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。可供選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。當(dāng)前第17頁\共有31頁\編于星期五\4點(diǎn)Internationalcreditcardorganization

DinersClubAmericaExpress(AMEX)MasterCardInternationalChinaUnionPayCo.,Ltd.JCBVISAInternational當(dāng)前第18頁\共有31頁\編于星期五\4點(diǎn)當(dāng)前第19頁\共有31頁\編于星期五\4點(diǎn)Viewsoncreditcards

1.Whataretheadvantagesofhavingacreditcard?Youcanpayforgoodsandserviceswithoutusingcashorachequewhichmeansthatyouonlyneedtocarryonecardaroundwithyou.Youcanspendmorethanyouhave.2.Whichsortofcustomersdothecreditcardcompanieshate?peoplewhopayofftheirbillsontime3.Whataregoodcustomersforcreditcardcompanies?peoplewhodon’tpayofftheircreditcarddebts4.Howdocreditcardcompaniesmakeprofits?charginginterestrates當(dāng)前第20頁\共有31頁\編于星期五\4點(diǎn)AdvantagesanddangersofhavingoneAdvantagesDonothavetotakecashandpaycashtogetgoodsandservices.Whenthecreditcardspendingisoverdraftconsumption(透支消費(fèi)）,youcanhaveinterest-freeperiod.promotesthemailorder,telephoneordershopping,onlineshoppingdevelopment.當(dāng)前第21頁\共有31頁\編于星期五\4點(diǎn)Savetime,andcanbesafeAvoidfakenotes(假鈔)GetthroughunexpectedemergenciesMonthlystatementskeepspendingrecordsinorderPayontime,andyoucanestablishagoodcredithistory當(dāng)前第22頁\共有31頁\編于星期五\4點(diǎn)Dangers!ImproperusecandamagecreditratingHigherriskforimpulsivebuyingandoverspendingDebttrapwhenusedunwiselyExpensivewaytoborrowduetohighinterestratesLesstospendinthefutureduetopayingoffpurchasesfrompastPossiblehiddenfees&surchargesPrivacyisanincreasingconcernIdentitythefteasierHighinterestratesandannualfeesmakeyouindebted當(dāng)前第23頁\共有31頁\編于星期五\4點(diǎn)Definition

CreditratingA

creditrating

isanevaluationofthe

creditworthiness

ofa

debtor,especiallya

business(company)oragovernment,.Theevaluationismadebya

creditratingagency

ofthedebtor'sabilitytopaybackthedebtandthelikelihoodof

default.當(dāng)前第24頁\共有31頁\編于星期五\4點(diǎn)DebttrapAdebttrapisasituationinwhichanentity(實(shí)體)borrowsmoney,butdoesnothaveenoughmoneytomaketheinterestpaymentsontheloan,soittakesoutanotherloan--withitsowninterestpayments--tocoverthefirstloan'spayments.Theywilllikelyhavetoborrowagaintopayoffthesecondloan,creatingacripplingcycle.當(dāng)前第25頁\共有31頁\編于星期五\4點(diǎn)InterestrateAn

interestrate

istherateatwhich

interest

ispaidbyaborrower(debtor)fortheuseofmoneythattheyborrowfroma

lender

(creditor).當(dāng)前第26頁\共有31頁\編于星期五\4點(diǎn)AnnualfeeTheannualfeeisthefeethatischargedbysome

creditcard

companies

totheircreditcard

holders,simplyforhavingthecreditcard.Thisfeeischargedregardlessofanythingelse(the

amount

or

value

of

purchases

withthecreditcard,forexample).

當(dāng)前第27頁\共有31頁\編于星期五\4點(diǎn)Thefacts

當(dāng)前第28頁\共有31頁\編于星期五\4點(diǎn)Whethercollegestudentsshouldhaveacreditcard?Therealproblemisthatformanyofthesestudents,theypaylittleattentiontointerestrates,terms,andcardfeatures.Thecardtheychoosemaysetthemupforfailurerightfromthestart.Inaddition,manyyoungpeoplearenotadequatelyeducatedaboutcreditcardsanddebt.Theymayknowthatyouhavetopaythemoneyback,buttheymaynotbepreparedtounderstandtheeffectofhighinterestrates,minimumpayments,andthedevastatingeffectthatlatepaymentscancause當(dāng)前第29頁\共有31頁\編于星期五\4點(diǎn)Withallofthenegativeconsequencesofcreditcarddebt,thefac