L/O/G/OChapter 3 Retail bank：Loans Teaching targetTeaching targetInthischapterwewilllearnthetypesofloansthatbanksmakeavailabletoindividualsandfamilies.Note Note Hosingloansforindividuals私人住房贷款Autoloans购车贷款Educationloans教育贷款Securedpersonalloans个人贷款担保Note Note Secured1.有保证、可靠的、2.有担保aloansecuredbymortgage抵押作担保的贷款Security1.安全2.抵押品3.有价证券4.保卫部门；保安部门5.担保；保证securitiesexchange证券交易所Panicsellingofsecurities大恐慌导致的债券抛售publicsecuritysituation社会治安情况贷款基准利率benchmarkinterestrateforloan（金融市场上具有普遍参照作用的利率，其他利率水平或金融资产价格均可根据这一基准利率水平来确定）2011-07-07五年以上贷款年利率-7.05(%)Note Note Guarantor保证人Guarantee被保证人Acontractunderwhichathirdpartyisguarantorshallbeformedoncetheguarantorandguaranteeaffixtheirsignaturesorpersonalsealstothecontract.由第三者作保证人的合同，自保证人和被保证人在合同上签名、盖章后成立。Note Note Stateeducationalloanswithfiscalinterestdiscount财政贴现的国家教育贷款Tuition1.课程讲授;2.学费tuitionassistance助教whatisthecostofaccommodationandtuition?Tutor助教Note Note Miscellaneous不同种类的;混杂的Miscellaneousfees学杂费Guardianship守护,监护人的职责Iftheguardianhasdonehisdutyofguardianship,hiscivilliabilitymaybeappropriatelyreduced.监护人尽了监护责任的，可以适当减轻他的民事责任。单词后缀单词后缀单词后缀单词后缀- -shipship1.表示“状态”(如:friendship、membership)2.表示“身份”,“职业”(如:professorship、ownership)3.表示“技巧”,“能力”（如:statesmanship）4.表示“.的群体”(如:readership)5.接在形容词之后,表情况(如:hardship)Note Note treasury bonds 长期国库券T-Bills是TreasuryBills的简写，美国财政部发行的短期债券，期限不超过一年。T-Notes是TreasuryNotes的简写，美国财政部发行的中期债券，期限不超过十年。T-Bonds是TreasuryBonds的简写，美国财政部发行的长期债券，期限十年以上。Note Note 国债nationaldebt;governmentloan；treasurybonds The national debts of Unite States are rolling up.美国的国债在不断地增加。Increase、ascend、raise、rise、accumulate.Note Note Hypothecation质押质押也称质权，就是债务人或第三人将其动产移交债权人占有，将该动产作为债权的担保，当债务人不履行债务时，债权人有权依法就该动产卖得价金优先受偿。Note Note Unduecertificate未到期的单据到期日duedate;dueday;dateofexpiry;expiringdatematuritydatesettlementdayNote Note Permanent1.永久(性)的,固定的2.稳定的；恒定的Nothingcanassurepermanenthappiness.没有什么东西能确保永久的幸福durable、steady、constant.Note Note Temporary1.临时的,暂时的,短时间的2.无常的；短暂的Iseedifficultiesastemporarysetbacks.我把困难看成暂时的不顺。momentaryNote Note Automaticrenewal自动延长Renewal合同的续订，延期；HehastheResponsibleforcontractrenewalandmanagement.MustIbringthebooksforrenewal?Note Note FloatV.1.(使)浮动，漂浮2.（使货币汇率）自由浮动Weletthesmallboatfloatontheripplingwaveletsofthelake.我们让小船在微波荡漾的湖面上漂浮。Shouldthegovernmentfloattheircurrency?政府会允许汇率浮动吗？Note Note Ceilingrate最高利率,利率上限ThedistrictteamswilladjusttheceilingrateonannualbasisforloanfromtheProject.地区团队将会在这个拟定方案中来调整年贷款的最高利率。Floorrate利率下限Note Note Refurbishing1.刷新;擦亮;使清洁；整修2.再装修；清理装修Houserefurbishing房屋装修NoteNoteWorkingcapital营运资金；周转资金Wehavesomecommercialloansavailablethatmightgiveyoutheworkingcapitalyouneed.我们有一些商业贷款可以为你提供您所需要的流动资金。Note Note Facevalue票面价值,表面价值Thestamphadafacevalueoffivedollars.这张邮票的面值是5美元。Note Note Aheadofschedule提前Theplanwasfulfilledaheadofschedule.这计划比进度提前完成。