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1、HND 金融大综合2.1 The demands of these consumer can divide into savings,mortgage needs and protection needs.2.11 The demands of savings.The cost of daily life,the cost of three children,the crowd of highincome,The surplus income need to save.2.12 The demands of protection needs.Flynn has anoutstanding mo
2、rtgage of 450,000,and this couple has recently decided to build an extension totheir home at a cost of 300,000.The demands of protection needs.2.13 The adults is more oldthan yesterday,and the state of health of them we all do not know.They all need some help to getguarantee to ensure their cause.Th
3、e children of Janet need a good environment to grow.And theirfamily should protect their property.2.22.3 The cost of daily life.Every family all need thisfor spending.If there is not a particular plan,this family will be faced with many problem.So thecurrent account is the best choose.The education
4、cost of Flynns three children.All parentswant to their children have a perfect childhood to the benefit of their future.So have a wholeeducat ion is necessary.So a good family affirm draw up a plan for their child ab ovo.We need tochoose educational endowment.Janet work as Alexanders personal assist
5、ant.As his assistantshe is paid a salary of 550,000 per annum.So he is belong to the human of high income.Theyalso need to rate payment very much.But we can take steps of avoid the tax,and find the productof tax exemption.So the fixed interest savings certificates is best fit for us.Like the highinc
6、ome crowd.Then have a large of money can not use.So the last money we will save it.Thebest way is save it in fixed deposit.Fixed deposit is our good choice.Flynn has an outstandingmortgage of 450,000 on the property.And the loan of he has loss occurrence.So the best wayperhaps change it to capital a
7、nd interest mortgage.Because it can reduce the lose.Flynn hasrecently decided to build an extension to their home at a cost of 300.000.But he does not havemortgage to get loan.So he only to get it by himself.When the adults grow older.Everyone allwant have a guarantee for themselves.Even if has an a
8、ccident in the future.But can not get somuch attack.So they need to buy the insurance of term insurance.Ditto.When the adults growolder.The health of themselves ismore and more to hard to know.And their body can not getsome serious attack.So they are better to buy the insurance of accident insurance
9、.No matterwhat man or women.They have the cause of themselves.So they also need to buy the insurance ofenterprise insurance.The three children of Janet.They are young.So they need a guarantee fortheir growth life.Prevent happen something we don not want.The accident insurance is very good.Because th
10、e children are very naughty.Every family has their own economy.And must protecttheir income to hold the cost of everything.I think the property insurance is the obbligato forevery family.2.4 Alliance Leicester plc Alliance Leicester plc(LSE:AL)is a British bank,formerly a building society.It was for
11、med in 1997 by the flotation of the former Alliance LeicesterBuilding Society on the London Stock Exchange.It is listed on the FTSE 100.its headquarters arein Carlton Park,a business park in Nar borough,south of Leicester in England.HSBCHeadquartered in London,HSBC is one of the largest banking and
12、financial servicesorganizations in the world.HSBCs international network comprises around 7,500 offices in 87countries and territories in Europe,the Asia-Pacific region,the Americas,the Middle East andAfrica.Banco Santander Santander holds a unique position in international banking,with asolid base
13、of recurrent retail commercial banking and a high degree of geographical diversification,which guarantees its future.Continental Europe,where the main commercial units are theSantander and Banesto Networks in Spain,Santander Totta in Portugal and Santander ConsumerFinance,which has consumer finance
14、operations in 19 countries.Lloyds TSB Black Horse isthe leading provider of finance at Point of Sale in the United Kingdom.Available through 13,000dealers and retail stores around the country,every year Black Horse helps 1 million personal andbusiness customers buy their car,caravan,motorhome,motorc
15、ycle or to fund the purchase ofhome improvements or something special,such as an exotic holiday.With the backing of theLloyds Banking Group,Black Horse has over 50 years experience and is committed to customersatisfaction.Halifax bank This site is intended for UK residents unless otherwise stated.Ha
16、lifax is a division of Bank of Scotland plc.Bank of Scotland plc,HBOS Investment FundManagers Limited,Halifax Life Limited and Halifax Share Dealing Limited and St Andrews LifeAssurance plc are authorised and regulated by the Financial Services Authority,25 The NorthColonnade,Canary Wharf,London E14
17、 5HS.They are entered in the Financial ServicesAuthoritys Register and their Register Numbers are 169628,119223,171881,183332 and 189101.This is an English language site,all contracts will be in the English language only.Bank ofScotland plc,Registered in Scotland No.SC327000.Registered Office:The Mo
18、und,EdinburghEH1 1YZ.Copyright?2010.All rights reserved AVIVA Aviva is a leading provider of life andpension products in Europe(including the UK)with substantial positions in other markets aroundthe world,making it the worlds sixth largest insurance group based on gross worldwide premiumsat 31 Decem
19、ber 2009.Our main activities are long-term savings,fund management and generalinsurance 1.We have worldwide sales of?45.1 2 billion and?380 2 billion of funds undermanagement.We have 46,000 employees serving over 53 million customers in 28 countriesaround the world.AIG American International Group,I
20、nc.(AIG)is a leading internationalinsurance organization serving customers in more than 130 countries.AIG companies servecommercial,institutional and individual customers through one of the most extensive worldwideproperty casualty networks of any insurer.In addition,AIG companies are leading provid
21、ers of lifeinsurance and retirement services in the United States.AIG common stock is listed on the NewYork Stock Exchange,as well as the stock exchanges in Ireland and Tokyo AVA In 1980,AXAdid not exist.Over the next 30 years,the Group would grow to become a major internationalplayer.AXA announced
22、the strengthening of its position in Central and Eastern Europe with theacquisition of minority interests held by the European Bank for Reconstruction and Development(EBRD)in AXAs Hungarian,Czech and Polish subsidiaries,and a transaction,currently undernegotiation,pursuant to which AXA would acquire
23、 100%of AXA Asia-Pacifi c Holdings(AXAAPH)Asian businesses while an Australian partner would acquire 100%of AXA APHs Australiaand New Zealand businesses.Barclays Since the business was established more than 300 yearsago,Barclays has grown to offer a range of products and services tailored to meet th
24、e specificneeds of its customers all over the world.As a responsible global citizen,Barclays is committed toensuring the sustainability of the communities in which the business operates,and strives forsustainable relationships with customers and clients worldwide.2.5 definition current account:a cur
25、rent account is a money transmission service that allows funds to be transferred to anotherperson or company.Most current accounts are either card-based or cheque-based accounts.Because it can be used any time.instant access savings:instant access savings accounts varyconsiderably in terms of the in
26、terest rates they pay to savers and the additional features theyprovide.It pays the saver to shop around for the best savings deal.Because their income is high,so they need choose a fixed interest to reduce their tax.fixed interest saving certificates:FISCsprovide savers with a tax-free return and o
27、ffer guaranteed interest rates over a fixed term.It canensure that they will not fell trouble when they are in trouble.term assurance:term assurancepolicies are the most common and cheapest assurance contracts,and the oldest types of policies inexistence.Everyone all need have a guarantee life.capit
28、al and interest mortgag e:a capital andinterest repayment mortgage facility is one that requires the borrower to repay a part of the capitalborrowed and an interest payment charged on that capital each time a payment is made.personal accident:personal accident policies may be purchased to provide be
29、nefits when anindividual is unable to work due to an accident.Because everyone possible get damage in theirwork.permanent health insurance:PHI products go future than personal accident polices byprotecting against total disability resulting in a person being unable to carry on their occupation.Every
30、one all need have a guarantee life.income protection policies:these policies provideprotection in the event of any of the following occurring during the term of a loan.So needsomething to give them a guarantee.whole of life:whole of life policies are provided by thesame organizations as term assurance policies.It can ensure that they will not fell trouble whenthey are in trouble.