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成人高等教育英语教材3 04

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https://online2.tingclass.net/lesson/shi0529/0008/8637/34.mp3
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[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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