高等学校英语拓展系列教程
Chapter8金融Finance
LectureOutlineFunctionsofMoney金钱的功能FormsofMoney金钱的形式FinancialInstitutions金融机构ElectronicBanking电子银行业务Short-termFinancing短期融资Long-termFinancing长期融资
Lead-inactivitiesDuringtheSpringFestival,youngpeoplecanreceivealotofmoneyinredpackages.Normallyandtraditionally,theyoungwhodon’tcompletetheirstudiesareblessedwiththese“luckymoney.”Itisatrendthattheamountofnew-yearmoneyhasbeenincreasingcomparedwithpastyears.Withtheseluckymoney,youcankeepallforyourself,oryoucangivesometopeopleinneed,oryoucanpayyourtuitionfee,buywhatyoulikeormakesomeinvestments.
Lead-inactivitiesItissaidthatayoungmaninShenyangusedhis“luckymoney”whichwassavedfor20yearstopayforadownpaymentonhisownhome.So,howmuchmoneydoyougetduringtheSpringFestival?Workinpairstodiscusswhatyouwoulddowithyour“luckymoney.”
FunctionsofMoneyMoneyisahighlyliquidfinancialassetthat’sgenerallyacceptedinexchangeforothergoods,isusedasareferenceinvaluingothergoods,andcanbestoredaswealth.Tobeliquidmeanstobeeasilychangeableintoanotherassetorgood.
FunctionsofMoneySocialcustomsandstandardpracticesarecentraltotheliquidity(流动性)ofmoney.Itsvalueisdeterminedbyitsgeneralacceptabilitytoothers.Anyofyourassetsthatareeasilyspendablearemoney.
amediumofexchangeaunitofaccountastoreofvalue
MoneyasaMediumofExchange—Theuseofmoneyasamediumofexchangemakesitpossibletotraderealgoodsandserviceswithoutbarteringwhichbecomesextremelycumbersomewhenthereisawiderangeofcommodities.FunctionsofMoney
—Moneydoesn’thavetohaveanyinherentvaluetofunctionasamediumofexchange.—Allthat’snecessaryisthateveryonebelievesthatotherpeoplewillacceptitinexchangefortheirgoods.—SincetheCentralBankcontrolsthesupplyofmoney,italsocontrolst