1990-12-15 — Page 30

一月二十(〇九九一)年九十七國民華中

̇育數:化文

2日九廿月十年午庚腦買

津中文員

·津中急聘懂打字一級文員中五程度及

助理文員中四或以上程度其履歷相片 十二月十二日前寄九龍慈雲山毓華街 100號校長收

誠徵

要我們的,關心我們的,『解我們的,

̇慈樂意幫助我們成長的幼兒工作益

如果你願邑,差別擾法。

̇理思幼兒園。

一班可愛的小朋友上,

聘請幼兒園

幼稚園教師

港半山區幼兒及幼稚聘請幼師 及助教數名,已註廚者優先錄用 繕國庭阻華僑日報信箱548號,或 晚七時半後電 $499596 商洽。

報日僑華

六期星、白五十月二十(〇九九一)年九十七國民華中 30.

華僑文化

市局課外閱讀計劃 闔家分享閱讀樂趣

辦擧續院學藝演

會樂音間午一週

物

·朱訓懲作

十二月

五日起在星光行君半度(出)

簡

·畫文物展覽,

莓

立北大荒版畫與:吉務就醬中心

市上彩色石版畫展 牛池灣文

心

學文物館。

「香港歷史福會」展號:香港裨物

·湖北川土戰團在英沫器·中文大

新增加「家庭閲讀」

十分排名佔午 一生代的人士可以在一個

界曲演唱呀

加金舞許。

逝,及百餘泳享間的歡樂。 女選掉讀物及寫作讀君報告,于女討論到些內容。 個人或與家長一起參加計劃,完成後再參加銀獎計劃,然後進而备 設計劃並設有「讓妣版獎勵計雕,分金、銀、張變、會員可住 *铼外閱讀計劃」分切版出(十二译或以下一及麻祗(十二歲至 乳可邀請家戛慈加 · 與家人分燊一同開濃的樂趣,家長亦可無此指導一 受報名 : 軑迎十九歲以下的市政局公共開詐貸記讓許苯加。 本年度的「標外尚讀計劃」可增法冇斯攻牙下,一家庭閱讀」,會於放,學院一樓酒吧。 一文化消息)市政局公共圖肃前樂的「外閲讀計劃!,現已接躇'-紅色布瓦灯店 下午七十分至,對牌東峰祝粤曲藝在一些 「外囝囝計劃」梅「九八四年推出,旨在推斯市民對閲讀的興宮冼恩地红他們落長的膜、方便觀眾眺发,免其成互扯速協會的會門煨||十惡,學生 人士

造诣的演藝學院音樂

吳國反發揚專技藝。 時十五公里備有簡單午 女:是指界的業餘及高給夫士傷出眾, 在各城市贷悯票

書館舉辦的课外開講活動: ' 此外,設獎會員派須向北他因惟煮雨木古籍及展少參加直ER

並須向其他穿員也無一本值得閱讀的書饰。 : 參加銀質計料的會員海聖壇社於書,其中蹬村最少包括三张不同的 銀獎計劃的會員必須閱讀十本善,題材股少包括看烦不同的私,

辦爿

【創匮巫山片片露」、「個辘木上能 曲包括Ţ台谉之麦 網演出 演唱多首 娛協會香甜藝組设 晚會」得黄大仙區文

娛中心劇院舉行,

考資料讒指等。

的窗並向其他會員推薦四本書籍及參科兩項課外閱讀活動。凡完成 每項計劃的會員,將獲贈紀念品及現事乙張。此外,爲配合課外閲讀計師

• 完成限號的會員,便可進入金獎計息,開講卅本包括四類不同科目 間、戲劇表演、講座,口述作,詔圖書館的目錄片基本參度悔材極」, 1 - 謝奇館將岩斯珍會科手那輔活動。包括:小組聚會、講故事吋紗」、“金枝玉葉」、「紫钗祆夢」及

館物博屋棟三

展建民中

展覽

牛池粤

灣文曲

受一個歡樂的晚上。 打粤曲人士,可以族 监晚會」,褸安好的 *局將於下一一月二百多個導曲演唱會,

《茶的鸟與加工·費明彌書館

越欣设晚會定於

將辦

區城市政局正品

A布魯士之一八四六年的香港

娛中欣

<香港兒戲美術一):九能中央國

拖罐

文化方面的重要

:下午三時。

文娱表演

4綜合表演 香港文化中心太宾,

·萨源表格已在各市政府公共佐畫实谛展: 一有關開頒佈後,科應

展覽將於嘒年

十八歲免擔保 修改借書證條例

九九一年成年焱戲一有 他補-

說:由於一(十月十五至十八日香港大會

一千五百元。 五月至九月揹举行,預賽費用為二十萬

下午三時 新界民謠 英語 );香港博物館;

與曲欣賞,牛池灣公共田館 - 下

三三章公於生及文 修訂進情况,並在 王稱,根據香港法供第十一緩降至十八歲的法收業十三元, 三)日於市府公開月會將法定成年歲數由二 八歲以下者,每張 首主席陳若瑟今,星期同意由署方繼續留所有 費為每張化流產,而中 由現時的廿一歲降至十件專讒的許者年齡,由無常抱保人 , 市政局圖書館委員陳氏解釋委員世上的讓者得斯构讲收 科借書證的讀者年齡,將無醫保人而可辗转上的人士中講修書范而 九九一一年一月一日杏節冖心政局(修(市政局一阶例的有 起,紙京捷保人可獲訂第一〇五L阱例,一谈文,准許十兵歲或以 届公共廚舂每位附二二,御宇 九九年医|西方建議版汀国丧館 文化清泉-市政 康市政例第一〇五九〇年1月一日生效, 屆時,十八歲或以

.

售的展惲

·科究,提供些取民居的「供複製之用,

生參觀材質,此外博物馆亦有無辦一項機 物館將爲學校作等別安排:留其大撒祺果

均大受市民歡迎,就以去平啟例、參觀人 放以來,館內的陳列品和過往畢辦的展覽

·午三時十五分。

上述節目,全部免費

盛費用 原地陷落,本少野生動物又被集體地埋葬: 附上是有着过許許多多的障礤那

灬直閃到婺明 港灣裏,打魚懟集持的地方掀虧。 白天裏,海線航行者打魚的船隻,打造贵桅杆 上扯起一張白帆、陪著風向善射而去;有特用駛进 都过一出神要的传

原· 向那迢迢菜里的北极豉评诸族的世界。 海上的眼睛,時對往表着那片黑醋的天空,你黃昏 浪逅了某人的槍聲.. 波浪好像無悄地方流得史遠更遠,熬過數:茔 在幾千萬公里的海岸綫蓝岛上的夜正繼,生下的蛋卡海鷗伯人拆掉他築起的巢,短和一形形色色的個性。 整個世界....

島嶼、特•和樹木都包围着,一妻一趟浪,一 的海岸岩摩和礁石,蓋過散枣泳的海锐山嶺和

墨魚射是,光色發光。素食的魚兒若長,揪智· 自己的命運在和平邀境裏莊嚴起來的一樣,恰巧地 蚴犊牛活版筌秧一主題泐-野櫻的人揄老牺 食的魚兒凶猛、殘暴,大自然的海洋塑成,空港

·传響把慕達暴風雨常牌的地區地接了起來,把

所有的海洋生命都喜歡任光明裏活動- 和喜歃 本·是海蛇就張牙!是素發就無爪。毒魚成海 梅斯的動物各有各的生活方式,各有各的活

·揚起巨大的穿。 洋仲去。蔚藍得像嶲电放的海水,不分做夜地

在橫貫著东南海面的巨新通,有一熱像銀河 六襲築巢。

應成的生活戲廚都旂了出來。 有家庭,或是揀一炷巨火的珊珊雕备,在嚼槳的。

·梅流就在迺只有百里寬度的海功丧,一段的眷 貝殼一樣,在特制中被風化出來的花紋斑點,求是 去,慢吞吞地在在稚沙妮身邊照過 星光般分佈的小岛,鮑立在诚耀壮張的神敕中間, 理血地雕刻成功的作品:和诺泰裤上的奇奇化学的 的緊緊不放,為鮑揹著海鎘向更深更深的 而易就借著親人或代飛到島上發展,全然常在泥沙良打滾,吃不了多遠,但牠們所務十一F棒麥的死亡。: D 聽,這當兒- 東北方的温带齿洋伸去,一段向善西南方的熱情饰 深深地記錄著它本身的歷史,它本產的年齡.....近有東西皭動,就馬上關開外殼,也不敢了沙 部有這楼的事件發生在不同的地區,可是在鲁瓦 每一顆五彩款粉的珊瑚礁石,都像藝上逐嘔心 ·開駆片嘴唇 - 結果錯誤地把海魚 一層熱黑的海浪上航行。面陆上的野花在爭將行 人。姨和妹豹一層堅硬的外敷就好比一率生命的麼,内有冇畫物完全被絕,似乎强大的繁道能力軟 當陽光普照,偏暖的氣候向來了。漁船在站台,闹也靠着港動作來保護自己 - 衆症食物或麻過敃·卡罪根的戰闊之間,天然的悲劇終於沒有將湛些對

洋世界就是魚兒的故

海洋之歌(上)

阮溪沙

有史以來

*.表怡露出來的海·你到處流

,

高安那海建地區的陰影,幾丈高的銀肉色的毒 危害著的大海,從來就感無情和者推的单 鳥的衡不出香的飛魚, ,時而被浪頭折上高高

立的失真君半幸中間又

常在博马抽中,做著各種不同

的悲痛。 值得入幸的是耶段珊瑚中建築工程, 岸性足本三人宙通向陸地城市的栂。 在許多印吗生命腳炼的郎度上-海岸的流道最“蒋小蝦跳舞、唱歌。海螺探出面米 |迨個螃鬚 魎在夜之間會再次地來臨,在虎看歷過南再崩完 次的联壁都要比很盤熱。現在是删力時代了,像 康县 - 鯉魚和石班軀紫道鵝卵石底的邊角中做者内,有的步灃人類撈了上臣,成了熱鍋上的續性 的鄰居,為了尋找塊可以接吻的石頭,就老崔出 地裂的象;谭魚看見過北鼻的十萬順汰。 海岛的薄胝是船唯一的起風港-那些綠色的海、更輕捷巧妙,曾於閒桅來自前方的敵意的攻擊 出來尋找色長的生命。但是,像陸地上的森林不 就無頻連構了千千萬萬年,撒網的人聽世紙放了, 年年月月,漁民都是靠向生活,就船就走道生活中不停地親嘴和交顯接耳。但躲在喬石裂縫裏的小· 有多遠,魚兒的生活被場就有多上部深木中的墓時鹿鳴,一時惮山崩的迴聲,一時像竹破的餘 語是紅民的案,海是漁民的故鄉,世世代代,在海面的很花密离线高铁遠;有的却在焙礁的四周的被白白 死成生锾熊橫上不幸送命......總之、尚跑出來,不等聲息的海浪就被吹得一時,為母+1 華無衆 般的船兒,抱著巨大的漁網作大風大浪中成就Ë動的慢,活像是有紀悴有秩序的一般「酶老王也有的在狂風鹣雨中智浪打死,有的在首禕異.. 動。有時話,一起弧形的,尚未被封鎖成了一 ㄒ。 過去是穿着粗糙衣服,鴐首竹小舟下衔,每 檗豐富者自己生活的内容;在不到十公尺深的慢而,她生存下來。雖然,有的自生自紙,老來橫死風浪 高忽低,忽近忽遠,千奇百 5. 水上大家在道裏撈魚,已經有近千年的歷史一對開水底的周圍,一條小生命活動的走廊,正在加 融的布面到那深遠的海峰,都是一代接一代的菜强,天的景術都不相,西與的生活道路— ''蟹不敢科小蝦比高低,只常常数者雙手打着棺于,速之客一樣,死亡都是變以預料的,也許重大的道 只有海岛和游魚才足唯一長期的應景。(明日精 '''''' 洋的世人」。有的在岩料的热道中來去追選:有的成桑田中被活埋;有的在互相殘校中體陣亡:有個會旋轉的湖泊,每當改成尖头上的林蔭大道中間 蝦,往往比鯽魚的身子耨動得更快,比石班的林躍 度,没有化腾安全的避難所、凶惡的魚中巴爾會隨音;冯然是鋼琴的獨女,忽然是廿年的合唱,音樂 大浪的歌唱如供建萬,細浪的歌似丝提性

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、半日助教

柴灣區不牟利幼稚園聘基督徒 全日敎師,半日晚各一名, 一九九一年一月到職,有意請 電:5580299 主任浴

觀塘津中誠聘

(1)英文兼經公科全職學位教師壹名( 2/13)

(2)生物兼數學代課教師資名(2/1- 11/X

應徵者請電:7274315 何小姐約見

銅鑼灣街坊福利會

誠聘女清潔員

須體健能刻苦耐勞,年五十 以下,朝八時半至五時,勞 工假期,工資面議,有意請 電5704414鄧洽

津中中文教師

誠聘任教中四、中五中文中央或中、中 三中文中史學位或实选教師二月到仔(日 期資議)本校校鼠涼機學生品學長著有意 義運函新界上水彩園邨(火車站們)香港 道教聯合會郵顯紀念中學(紅磡至上水準 「從為32分鐘)或電6727024或6726820張

小儿口

NETHERSOLE HOSPITAL

Dispens

Punditates should have 3 year' on-the-job training in

Jispensing at a Ceritiane in Dispensing Studies awarded

by die Vocational "Fraining Council, or equivalent; speak Hen Case. Candidates in passession of qualifica lions cavalt to the Certificate awarded by the VTC should have an English standard equivalent to grado E or above (yfabus Bj in the Hong Kong Certificate of Education

Salary $7,500- 13,350 -

Please amply with fill resume to Assistant AdminisGAN. Nethersole Hospital. 10 Bonga Ruud. Hong Kong

Finance and Banking

Studying Areas

109期 中學會考預習專欄

明澄出版社

MMEL & DALE PRESS

Commerce (11)

S.K. LAB

The main studying areas in this unit include::

4 services of banks and finance companies to the business-de

firms and personal customers,

b. methods of payment.

c. - factors that are promoting Hong Kong the g financial.

centre.

d. recent trends; credit card and automatic teller machines

services:

e. changing retail banking services and its reasuns:

11. Services of Banks and Finance Companies to the Business Firüs

and Bersona) Customers

1. The services offered by commercial banks to firms Include:

a. Providing professional business advice.

Banks offer a wide range of advice:

1. advice on taxation, borrowing or alternative sources

of finance.

11. advice on investment management, and

111. advice on economic affairs such as the market

• condition of the overseas trading countries.

b. Providing, corporate credit card facilities.

In order to provide the availability of instant credit to firns, banks issue corporate credit card,

c. Accepting and discounting bills of exchange

d. Underwriting new issues of security

In the capital market, banks underwrite the issue of new Corporate shares or debentures.

e. Arranging syndicated loans:

In order to arrange syndicated loans for firms, banks false large fund from various sources.

*. Portfolio management and corporate Finance

dank experts gional Investment portfolio managemont,

financial advice on matters of capital.

raising fund

2. The services other than accepting deposits and giving loans

provided by banks to personal customers

The banking services offered by banks to personal customers include:

a. to monitor direct debit and credit transfer systems.

b. to give bankers' references,

p to issue credit card,

d. to offer ATMs that allow clients to draw cash round the

clock.

e. to act as executors and trustses..

to offer travellers with travellers! cheques and foreign currency:

g. to give advice 30 personal taxation or investment

management.

h, to buy and sell sécurifies for clients.

in to accept valuables for safe-keeping.

sh. They are engaging in foreign exchange dealings, Fencing..

wcard deposits teking.

uuE: They are diversifying into; other Tinancial services:

westmont advice and fund management,

*fferences

to issue and sell bankers" drafts, or gifts coupons.

a. The criteria of granting a lqan by bank to his customers

The manager wil) have to: consider the suitability of a customer (applicant).-

a. The character of the customer

The manager, wil need to creditworthiness!

HBR

exas.sureoccur his

The amount of the loan and the telihood of the

If of the customer repay

Capabi

they managers to to assess the chance of the customer being able to repay the loan.

c. The availability of the collateral security

In some

the borrower inay even have to find 'a personal guarantor for the

te loan in the event of default,

d. The risk

"Any special risks to be involved in the expansion of thes

bustness will have. to be considered.

e. The business records

Past business records and present level of business activity should be studied,

The likelihood of its continuing profitability are to be assessed

f. The pariod of repayment

The period for which he needs the loan 15 to De considered

g. The purpose of the Yuan

The loan to be used should be assesseds

4. Differences between a bank loan and an overdrart

4. A loan is for a stated sum of money for a fixed pentod of

time.

An overdraft occurs the holder of a current account is allowed to draw cheques for

In his account, up to an agread maximum the holder has

8. The interest charged is fixed for the whole length of the loan. For the overdraft, the interest charged is based on the amount averdrawn on a daily basis,

c. To a loan, it is used for a special purpose. To an

overdraft, it is for temporary relief.

When the customer needs cash, he may overdraw the

· account.

6. Deposit-taking Institutions in Hony

With effect from 1 February 1990, the deposit-taking institutions have been divided into three new distinct classes:

a. Licensed banks.

b.. Restricted licence banks, and

c. Deposit-taking companies.

The main features among these financial institutions aes compared and contrasted as followst

Similare to comply with the provisions of the Banking |

They

Ordinance.

Paid-up share capital

For licensed banks, they must have at least $150

lion.

for restricted licence banks they are required to have minimum of 100 million

For depasit-taking companies, they must have a minimum ot $25 million.

b. Deposits

For licensed banks, they may take deposits of any size and any maturity from the public.

: for restricted icence banks, they may accept deposits of

any maturity with amounts of not less than $500,000; For deposit-taking companies, they are restricted to accepting deposits of not less than $100.000, with all original be to maturity of at least three months, c. Status-granting 100

For Ticensed barks, they are granted at the discretion of. the Governor in Council under Banking Ordinance. fos-restricted: Vicence banks, they are granted at.the. discretion of the Financial Secretary.

Fair, deposit-taking companies, the authority rasts. with the.Commissioner of Baaking.

d. Current account

Only licensed banks. may operate current; account.

III. Methods of Payment

Wo can pay for goods and services in any one of the following

methods A. by cash,

b. through the commercial bank, ar c. through the Post Office.

1. Cash

made by

Payment can be by cash in the form of coins and notes In the most business fransactions. It.isong of most familiar and convenient forms of payment."

However, it is inconvenient to deal with large sums of monetary transactions as it is too bulky to carry around,

2. Chaque

· A cheque is a bill of exchange drawn on a banker payable on demand

2.1 Advantages of making payment by cheque The advantages are cascribed below:

a. It is much safer than using cash, thus reducing chances of theft. Moreover, the account holder of cheque can cancel the cheques if a cheque or cheque book is lost.

b. A cheque cán be made out for any amount, thus

promoting the Flexibility of a chague.

c. It is easy to carry around a cheque or a cheque book whereas large sums of cash can be too bulky ang Inconvenient to despatch.

#. Chaques can be used as proof and record of payment since a drawer can use his bank statement to find out whether his bank has honoured his cheques.

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