53 Banks and Money
文本
████ 重点词汇
████ 难点词汇
████ 生僻词
████ 词组 & 惯用语
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[本次分析采用基础词汇量：
hello hello hello today we talk about
banks and money and we meet this man
Chris who works at the Bank of
England banks and money what do you use
your bank for I use the bank for paying
in my salary each month I use it to cash
my checks basically that's really all i
use it for i never go into a bank i
simply use it as a method of storing my
money and drawing it out i use a bank
for my checking in my savings accounts i
personally would be very happy if I
never had to walk into a bank again in
my life
I'd much rather keep my money in
and leave my bed
I've just opened an account at my local
bank here in London I'm waiting for a
instead I got a letter from
the bank this morning
dear mr. thank you for opening
an account with us unfortunately your
might be delayed wonderful
your might be delayed might
be delayed perhaps it will be late can I
help you yes I'd like a million pounds
to be transferred from my current
account to my I'm sorry
I'm very busy are you going to transfer
the money of course not you haven't got
a million pounds in that case I'd like
to close my account time no problem
did you hear that he wanted me to
transfer a million pounds to his deposit
account yes that's mr.
he's the bank biggest customer mr.
come back he was richer than he looked
that customer had two bank accounts he
had a current account that's the account
you use a with it's also
called a checking account he also had a
that's an account which
pays you interest on your savings it's
also called a savings account the
customer wanted a rather special service
from the bank
I'd like a million pounds to be
transferred from my current account to
my to be transferred and
wants something from his bank
I'd like a to be sent to me
immediately I said I'd like a
to be sent to me immediately I told the
bank that I wanted a checkbook to be
sent to me immediately but the letter
says it might be delayed I wonder why
well your references have to be checked
do that Oh perhaps it's just a problem
with a machine that prints the
what sort of problem well the
machine might be broken do you think so
well yes that must be the reason
your references have to be checked your
references have to be checked the
machine might be broken
the machine might be broken
Britain's central bank is called the
Bank of England
Chris works at the Bank of
England and he's going to tell us about
the work that is done by the bank
the Bank of England is Britain's central
bank every country has a central bank
we are the government's bank and we are
the of the money at the notes
that in Britain
some countries have independent central
banks where by constitutional the
central bank is set up from
the government but in this country the
Bank of England is owned by the
government they own all our shares we
are a part of the government team so we
give advice to and
and the
Prime Minister on what
would be an appropriate policy how fast
to let the money supply grow once the
elected politicians once our democratic
government of reached policy decisions
based on our advice we then carry out
those policies one of the main functions
of the Bank of England is to print an
issue how is that done
the printing of is a very
complex function we have to be sure that
our notes are secure against
and as they
possibly can be
so we want to use the latest printing
techniques that are available we
they can't see notes about
every 10 to 15 years in Britain if we
didn't do that there's a risk that notes
could easily be
because printing technologies change we
need to be ahead of the
for example one of the problems which
all central banks face these days is
that of the color machine notes
might be on a color simply
by putting them into the Machine and
people having a go
we keep ahead of that partly because of
the very complex paper we use which is
not at all like machine paper and
partly by the intense patterns and color
combinations in the which make
it very difficult for a copying machine
them we have to
be ahead of the technology which means
we have to the product every 10
or 15 years
has the public's use of
changed the use of the public make of
paper money is rather less today than it
was say twenty or thirty years ago
typically a man or woman working in a
factory today
well half their salary paid to them by
cheque
whereas twenty years ago probably
somebody came out and gave them an
with inside it that
has changed people now when they go
shopping
don't pay large amounts of cash across
the counter they use a credit card or
perhaps they use a cheque so people can
banknotes we print as many
banknotes as the public want to use but
the relationship between the amount of
banknotes we need to print and the
amount of money the public can spend has
changed
Chris explained that the Bank of
England is the government's Bank the
bank gives financial advice to the
government and then carries out the
government's financial policies he also
talked about one of the other main jobs
of the Bank of England it prints all the
banknotes and it has to protect the
public against
that's when false banknotes are produced
by criminals this is what Chris said
notes could be and people use
some quite simple methods to do this
notes might be on a color
that's a colour
the Bank of England isn't an ordinary
Bank you can't open a bank account there
well you can't unless you work there
so what banking services does the Bank
of England provide for the people who do
work there its staff the services that
the bank provides to its staff customers
are the same as those provided by a
commercial bank
cash can be drawn out across a counter
cash could be drawn out through the
which
commercial banks of course had on the
outside of their buildings foreign
exchange can be bought either foreign
exchange notes or traveler's checks
bills can be paid through banks it's
possible to have your paid
electricity or gas or
bills these can be paid through banks
taxes can be paid to food banks the Bank
of England provides all these services
to its staff just as commercial banks
provide them to men and women in general
in Britain good morning good morning can
I change these dollars into pounds
please it's certainly 50 exchange rates
1.6 yes 31 pounds 25 that's fine because
tape and Commission charge man how'd you
like your money in five please certainly
29 25 thank you
I also have this international money
order can I pay it into my current
account yes instead of nine dollars it's
in can take you to any one of
the fine thanks
there's been a revolution in commercial
banking in the in person over the last
20 years
revolution in commercial banking in
many parts of the world of course one
thing that has changed in commercial
banking is the technology in addition to
those there's much
more competition in banking in these
days
if you go to a bank and you
have a checking account the bank will
probably pay you interest on that
checking account because it wants your
savings 20 years ago that will probably
not have been the case so it's a much
more competitive and user-friendly
banking system today
you can only have an account at the Bank
of England if you work there and if you
work there it's just like an ordinary
bank with all the usual services cash
can be drawn out you can take money from
your account
foreign exchange can be bought you can
buy dollars bills can
be paid through the bank and taxes can
be paid through the bank listen again to
some of the things that were said in the
bank good morning can I change these
dollars into pounds please exchange
rates 1.6 there's tape and Christian
charged fair how'd you like your money
in fives please today we met Chris
from the Bank of England
what's that David it's a cheque from my
aunt I'll buy you both dinner tonight
great thank you but I must get to my
bank before it closes
知识点
重点词汇
automatic [ˌɔ:təˈmætɪk] n. 自动机械；自动手枪 adj. 自动的；无意识的；必然的 {gk cet4 cet6 ky toefl ielts :3184}
kevin [ˈkevin] n. 凯文（男子名） { :3255}
trunk [trʌŋk] n. 树干；躯干；象鼻；汽车车尾的行李箱 adj. 干线的；躯干的；箱子的 vt. 把…放入旅行箱内 n. (Trunk)人名；(德、匈、西)特伦克 {gk cet4 cet6 ky toefl ielts gre :3533}
envelope [ˈenvələʊp] n. 信封，封皮；包膜；[天] 包层；包迹 {gk cet4 cet6 ky :3672}
technological [ˌteknə'lɒdʒɪkl] adj. 技术的；工艺的 { :3771}
separately [ˈseprətli] adv. 分别地；分离地；个别地 {gk cet4 cet6 toefl :3772}
bye [baɪ] n. 轮空；次要的东西 int. 再见 adj. 次要的 n. (Bye)人名；(挪)比埃；(中)拜(广东话·威妥玛)；(英)拜伊；(瑞典)比耶 {zk gk :4072}
nowadays [ˈnaʊədeɪz] adv. 现今；时下 n. 当今 {gk cet4 cet6 ky toefl :4094}
reproduce [ˌri:prəˈdju:s] vt. 复制；再生；生殖；使…在脑海中重现 vi. 复制；繁殖 {cet4 cet6 ky toefl :4151}
sterling [ˈstɜ:lɪŋ] n. 英国货币；标准纯银 adj. 纯正的；英币的；纯银制的 n. (Sterling)人名；(德)施特林；(英、西、瑞典)斯特林 {ielts :4191}
circulate [ˈsɜ:kjəleɪt] vt. 使循环；使流通；使传播 vi. 传播，流传；循环；流通 {gk cet4 cet6 ky toefl ielts gre :4483}
accurately ['ækjərətlɪ] adv. 精确地，准确地 { :4484}
reassure [ˌri:əˈʃʊə(r)] vt. 使…安心，使消除疑虑 {cet6 ky toefl ielts :4529}
telecommunications [ˌtelikəˌmju:nɪˈkeɪʃnz] n. 通讯行业：服务类型变更，缴纳话费，账户总览等所有业务均可通过移动设备完成 { :4896}
forged ['fɔ:dʒd] adj. 锻的；锻造的 v. 伪造（forge的过去式）；锻造（金属） { :5304}
goodbye [ˌgʊdˈbaɪ] int. 再见 放弃 告别 {zk :5578}
bailey ['beili] n. 城壁，外栅；城堡外庭 n. (Bailey)人名；(英)贝利，贝莉 (女名)；(葡)拜莱；(西)贝利 { :6103}
exchequer [ɪksˈtʃekə(r)] n. 财源；国库；财政部 {gre :6587}
Higgins [ ] n. 希金斯（姓氏） { :9158}
yen [jen] n. 日元（日本货币单位）；渴望 vi. 渴望 n. (Yen)人名；(土、柬)延 {toefl ielts :9329}
redesign [ˌri:dɪˈzaɪn] n. 重新设计；新设计 vt. 重新设计 { :10636}
teller [ˈtelə(r)] n. （美）出纳员；讲述者；讲故事者；计票员 n. (Teller)人名；(英、德、葡)特勒 { :10852}
cashiers [kæˈʃiəz] n. 出纳员( cashier的名词复数 ) { :11211}
forgery [ˈfɔ:dʒəri] n. 伪造；伪造罪；伪造物 {gre :12282}
checkbook [ˈtʃekˌbʊk] n. 支票簿 { :13113}
checkbooks [ˈtʃekˌbʊks] n. <美>支票本(=chequebook)( checkbook的名词复数 ) { :13113}
难点词汇
issuers ['ɪsju:əz] n. 发行人(issuer的复数) { :14047}
photocopier [ˈfəʊtəʊkɒpiə(r)] n. 影印机；复印机 { :15046}
counterfeiting ['kaʊntəfɪtɪŋ] n. 伪造 v. 伪造（counterfeit的ing形式） { :17208}
copier [ˈkɒpiə(r)] n. 复印机（等于copying machine）；抄写员；模仿者 { :18883}
bylaw ['baɪˌlɔ:] n. 次要法规；细则；地方法则；（社团制定的）内部章程 { :20181}
banknotes ['bæŋknəʊts] n. 钞票；纸币（banknote的复数） { :21482}
lira [ˈlɪərə] n. 里拉（意大利、土耳其货币单位） n. （俄、西、葡、罗）利拉（人名） { :24793}
pesetas [pəˈsetəz] n. 西班牙银币( peseta的名词复数 ) { :24815}
economize [ɪˈkɒnəmaɪz] vi. 节约，节省；有效地利用 vt. 节约，节省；有效地利用 {toefl :25167}
counterfeiters [ ] (counterfeiter 的复数) n. 伪造者, 货币伪造者, 假造者 [法] 伪造者, 伪造货币者 { :26062}
dido ['daidәu] n. 胡闹，开玩笑；淘气；恶作剧 { :39085}
生僻词
dutcher ['dʌtʃə] [人名] 达彻
jarah [ ] [网络] 筠瑶；约拉
词组
a tin [ ] [网络] 罐头；一听罐头；那是一瓶罐头
automatic teller [ˌɔ:təˈmætik ˈtelə] n. 自动付款机 [网络] 自动出纳机
automatic teller machine [ˌɔ:təˈmætik ˈtelə məˈʃi:n] un. 自动出纳机 [网络] 自动取款机；自动柜员机；自动提款机
automatic teller machines [ ] [网络] 自动柜员机
chancellor of the exchequer [ ] na. 财政大臣 [网络] 英国财政大臣；英国财政大臣奥斯本；财政部长
cheque book [tʃek buk] na. 支票簿 [网络] 支票本；支票薄；支票陈票人
deposit account [diˈpɔzit əˈkaunt] n. 存款账户 [网络] 存款帐户；存款账号；定期存款帐户
deposit accounts [ ] na. 存款账户 [网络] 保证金帐户；帐户编号清表；存款业务
economize on [ ] [网络] 节约；节省；珍惜
good bye [ ] int. 再见 n. 告别；告别辞 [网络] 再见了；慢走；张根硕
monetary policy [ ] un. 金融政策 [网络] 货币政策；贷币政策；独立自主的货币政策
technological change [ ] un. 技术进步；技术变动 [网络] 技术变革；技术转变；技术改变
technological changes [ ] [网络] 技术进步；技术变革；技术或战术变化
the Exchequer [ ] [网络] 财政署；财政法庭；财政诉讼法院
the Treasury [ ] [网络] 财政部；宝库；库务署
to reproduce [ ] [网络] 复制；文化差异再现；再生产
utility bill [juˈtiliti bil] n. 物业帐单（这里面包括水、电、煤气等公共设施的使用费）
单词释义末尾数字为词频顺序
zk/中考 gk/中考 ky/考研 cet4/四级 cet6/六级 ielts/雅思 toefl/托福 gre/GRE
* 词汇量测试建议用 testyourvocab.com