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1、Retail banking includes bank accounts,loans and foreign currency. Among them,bank accounts include deposit accounts ,foreign currency deposits,deposits by correspondence and deposit collections in different places.The main characteristics of retail banking business relative to wholesale banking are
2、:1,the objects of all transactions normally are personal customers;2,the transactions are fragmentary ;3,and amount of transaction conventionally small.Retail banking makes ordinary transactions no longer difficult and improves transactions efficiency.Retail banking provides utterly convenient banki
3、ng services to the public.Moneyis the coins or bank notes that you use to buy things, or the sum that you have in a bank account.Economists define money as anything that is generally accepted in payment for goods or services or in the repayment of debts.There are there functions in money.In almost a
4、ll market transactions in our economy, money in the form of currency or checks is a medium of exchange; it is used to pay for goods and services. The second role of money is to provide a unit of account; that is, it is used to measure value in the economy. Money also functions as a store of value: i
5、t is a repository of purchasing power over time. It is an asset. For us ,money is a important part of life.余额Balance: The amount of money in an account at a particular time.收入Income: is a flow of earnings per unit of time交易成本transaction cost ：The time spent trying to exchange goods or services .整存Lu
6、mp-sum deposit: Refers to savings deposit whose principal is deposited at one time.整取Lump-sum withdrawal: Whose principal and interests are withdrawal at one time.零存Small savings: Is a kind of time deposit and the money is deposited by the agreed period.存本Principal receiving: Is a kind of time depos
7、it and whose principal is deposited by lump sum.储蓄（借记）卡Diet card: is a bank card you can use to pay for things.证明certicate: Is an official document stating that particular facts are true.到期Maturity: Is the state of being fully developed.股息Dividend :The part of a companys profits which is distributed
8、 to shareholders.金融Finance: The management of money, investment and credit.利息Interest: Money paid for the use of money.利率Interest rate: The rate charged for the use of money.投资者Investor: A person or an organization which invests (makes investments).贷款人Lender :A person or an organization which lends
9、money.贷款Loan: Money advanced to a borrower to be repaid at a later date.长期贷款Long-term loan : A loan that is to be repaid a some distant point in the future, usually 10 years or more.市场Market: A place where buyers meet sellers to transact business.初级市场Primary market: The market for new issues of secu
10、rities.利润Profit: A financial or monetary gain obtained from a loan or investment.二级市场Secondary marke:The market where existing financial instruments are traded.股份Share: One of the parts into which the ownership of a company is divided.短期贷款Short-term loan: A loan to be repaid within one year.定期Term:
11、How fast a loan is to be repaid or an investment converted back into cash.交易Trade: The purchase and sale of a security in a financial market. 需求Demand: Every market has buyers who want to buy products and services to satisfy their needs. 供给Supply: Every market has producers or suppliers who want to sell their products and services.