商务英语综合教程第三册Unit-1-Finance-Company.ppt

单击此处编辑母版标题样式,单击此处编辑母版文本样式,第二级,第三级,第四级,第五级,Company Logo,*,An Integrated Course in Business English,商务英语综合教程（第三册）,Unit 1 Finance Company(1),Company Logo,Unit 1 Finance Company(2),Warm-up Activities,Pair work,Now work in pairs.Discuss these questions.,1.Whats your spending habit?,2.Do you have any long-term financial goals?,3.What are your short-term financial goals?,4.Would you ever buy an expensive item,why or why not?,5.How would you do if you do not have enough money for something?,Company Logo,Unit 1 Finance Company(3),6.How would you describe your financial IQ?,7.Whats the biggest stumbling block when considering buying a new car?,8.Which do you prefer,if you want to buy a new car,cash or car loan?Why?,9.Which points you have to realize when applying for automobile loan?,10.What kind of car do you think is fit for family use?Why?,Company Logo,Unit 1 Finance Company(5),5.Live beyond your means.,6.Wait until you are older to start saving.,7.Make sure your income is more than your expenses.,8.Pay the least possible amount on your credit card bills each month.,9.Put some money away in savings each month.,10.If you are feeling down,go shopping.,Company Logo,Unit 1 Finance Company(6),Notes of Text,1.GMAC(General Motors,Acceptance Corporation):GMAC aims to be the Mac Daddy of global finance companies.With operations in approximately 40 countries,the company offers financing to General Motors(GM)dealerships and their customers.,Company Logo,Unit 1 Finance Company(7),Also one of the largest mortgage issuers and servicers in the US,the company originates residential real estate loans,invests in mortgage-backed securities,and packages nonconforming single-family home loans for sale to investors through GMAC Mortgage.,通用汽车信贷公司,Company Logo,Unit 1 Finance Company(9),After that,it depends.If the home equity loan was used to improve your first or second homeor to purchase a second homeyou can probably take the deduction on an amount up to$1 million or the value of the home.As far as the Alternative Minimum Tax(AMT)goes,your home equity loan deductions will only help you if you used the money for home improvements.,资产抵押贷款,Company Logo,Unit 1 Finance Company(10),Text Analysis,Many people dream of owning a new car.However,one of the biggest stumbling blocks is the cost of todays vehicles.,很多人都梦想有一部新车。然而目前买车最大的困难就是费用问题。,dream of,梦见，梦想,dream ab,out,(1).,亦作,dream about,梦见,;,梦想：,I dreamt of her last night.,昨晚我梦见她了。,The homeless child often dreamt about(,或,of)home.,那个无家可归的孩子经常梦见家。,Company Logo,Unit 1 Finance Company(12),When I was young I dreamed of becoming a scientist.,我年轻时渴望成为一名科学家。,(4).,想像；料想；设想：,We now have a big house of which we could not have dreamed years ago.,我们现有的一座大房子是我们多年前没能想像得到的。,Company Logo,Unit 1 Finance Company(14),(2),There is a medical argument,though not a very convincing one:alcohol is more dangerous in a variety of ways,including the tendency of some drunks to get violent.,有一个医学的观点，虽然其不是极其有说服力：在种种情况下酒精都是更危险的，包括一些醉酒者变得有暴力倾向,。,Company Logo,Unit 1 Finance Company(15),(3)In this context,we should accept the differences we have.We should go our own ways at our own paces and benefit each other in a variety of ways.,在此背景下，双方应该接受彼此的差异，我们应当按照自己的速度走自己的路，通过多种方式相互受益。,Company Logo,Unit 1 Finance Company(17),3.Not only are you tying up the equity in your car and home for this loan,the savings you realize on the tax deduction may be less than the money you save with a lower-rate loan.,你不仅将车的贷款与房屋贷款捆绑在了一起，而且这样做在税款扣除中省的钱也许不如你选择低利率贷款省的钱多。,Company Logo,Unit 1 Finance Company(18),tie up,占用，捆绑,fasten or bind(with string,rope,wire,etc.),（,1,）,You need the loan for years,but investors dont want to tie up their money for years.,这笔款你需要贷若干年,可是投资者不希望他们的钱被占用好几年,（,2,）,Of course,these efforts are difficult to maintain because they tie up capital in uncompleted houses.,当然这些努力也很难维持，因为未完成的工程套牢了他们的资金。,Company Logo,Unit 1 Finance Company(19),（,3,）,The higher rate would entice banks to tie up money they otherwise might lend to customers or other banks.,更高的利率将诱使银行收回流动性，减少向客户或其它银行发放贷款的数量。,（,4,）,You see I have to pay a deposit when I open a letter of credit.That will tie up my funds and add to the cost of my imports,especially for such a huge order.,你知道，开立信用证时是必须要交付押金的，这会占用我的资金，增加我的进口成本，尤其是这样一张大单子。,Company Logo,Unit 1 Finance Company(20),Exercises,I.Answer the following questions according to the text.,1.Whats the general purpose of reading this article?,To learn about automobile financing,especially before visiting a dealers showroom.,2.What are the advantages and disadvantages of tax-smart loan?,Company Logo,Unit 1 Finance Company(21),With a tax-smart loan,you do not need to experience the whole procedures and regular expense required for home equity loan.However,you may spend much more money on tax-smart loan rather than ordinary lower-rate loan.,3.Who may accept borrowers who are greater credit risks?,Company Logo,Unit 1 Finance Company(23),5.What does the phrase“theres a catch”in Paragraph 8 mean?,It means“there is a trap.”,6.When is the ideal time to shop for a car loan?,The ideal time to shop for a car loan is before you shop for a car.,7.How to lower the total expense of a car loan?,Company Logo,Unit 1 Finance Company(24),If you take out a loan for a car,get the shortest payback time you can comfortably handle.While monthly payments can be reduced by stretching them out over more time,only a lower interest rate,a smaller loan,or a shorter term will lower the total expense.,8.Which of the approaches mentioned in the text is the most beneficial one for the buyers?,Company Logo,Unit 1 Finance Company(25),Apply for a loan through banks and design a flexible repayment plan which may shorten your term of payment.,II,.Word Practice(1),Fill in the blanks with appropriate words from the text.The initial letter of each word has been supplied for you.,1.For most new-car buyers,one of the biggest costs of p_ a new car is interest on the loan.,（,purchasing,）,2.You can save hundreds of d_ by shopping around to find the best financing deal.,（,dollars,）,Company Logo,Unit 1 Finance Company(27),7.In 1991,the IRS e_ the income tax deduction for interest on most personal loans.,（,eliminated,）,8.A tax-smart loan c_ the ease of a regular auto loan with the tax deductibility of a home equity loan.,（,combines,）,9.Another option is to borrow at an attractive interest rate,with a f_ repayment plan.,（,flexible,）,10.If you take out a loan for a car,get the s_ payback time you can comfortably handle.,（,shortest,）,Company Logo,Unit 1 Finance Company(28),I,I,I,.Word Practice(2),Fill in the blanks with the appropriate words or phrases given in the box.Change the forms where necessary.,gender invest less caution,reveal take responsible,finance significant occupy,Company Logo,Unit 1 Finance Company(30),Comfort:Complacent individuals who realize the importance of taking 4_ for their financial futures,but do not change their strategies as life situations change.,Caution:Those too 5_ with the ups and downs of everyday life to develop financial plans.,More men than women were in the Action zone,while more women were in the Comfort and Caution zones,indicating 6_ differences in risk tolerance,perspective on change and on the future,control issues,attitudes about money,and 7_ knowledge.,Company Logo,Unit 1 Finance Company(31),The“Investor Zone Update”study,and studies conducted by other organizations,have found that in recent years women have become more inclined to take risk and are 8_ likely to let lack of investing knowledge keep them from investing.,While these studies indicate that women are becoming more empowered financially,there are still fewer women than men in the Action zone,and women are still 9_ less likely than men to 10_ investment risks.It is important for women to educate themselves about investing and to become more risk tolerant in order to adequately secure their financial futures.,1.financial 2.cautious 3.revealed,4.responsibility 5.occupied 6.gender,7.investment 8.less 9.significantly,Company Logo,Unit 1 Finance Company(32),I,VTranslation,Translate the following sentences into English.,1.,在这种情况下约翰尼急切地抓住了难得的机会。,(jump at),2.,史蒂文听说他对新项目的提议被当成荒谬之词而遭到断然否决十分恼火。,(be rejected as),3.,现代社会的孩子很难想象一个没有电视和电脑的时代。,(conceive of),4.,我们每天的事情很多，只有把最重要的优先安排才能保证有时间完成。,(give priority to),5.,这家公司已经投资几百万美元编写新的程序满足发展需求。,(meet the requirement of),Company Logo,Unit 1 Finance Company(33),1.In this case Johnny jumped at the rare chance.,2.Steve was very upset to hear that his proposal for the new project had been rejected as ridiculous.,3.The modern child finds it difficult to conceive of a time when there was no TV or computer.,4.We have many things to do each day and we must give priority to those most important to ensure we have time for them.,5.The company has invested millions of dollars in writing new programs to meet the requirements of the development.,Company Logo,Unit 1 Finance Company(34),V.Reading Comprehension,Read the text carefully,and choose the best answer.,Broadband technology is seen as the key to the new digital economy.,In this rapidly changing world,media and technology information can be sent via phone calls and downloads like music,graphics,business information or films.,The simpler the information,the smaller the package and the narrower the bandwidth needed to deliver it.,Broadband is used for high speed Internet connections at a fixed monthly rate.It turns an exciting telephone line into a high speed digital line capable of carrying data up to 40 times conventional modem speeds,Company Logo,Unit 1 Finance Company(35),Any download is available at the click of a mousethere is no dial-up as there is with standard Internet Service Providers.,For home owners and families there are many advantages.One of the most important is simultaneous(,同时的,)access to both telephone lines and the Internet.No queues and no delay.,For businesses,broadband can improve customer relations and provide direct access to corporate e-mails and databases.Entire operations can go online.,Company Logo,Unit 1 Finance Company(36),1.The function that broadband technology has on the new digital economy is _.,A)further B)critical C)costly D)global,2.How much does a user pay if he has broadband technology installed?,A)It depends on the length of time.,B)It depends on the times of dial-up.,C)He pays at a fixed monthly rate.,D)He pays a lot of money.,3.Compared with the modern speed the broadband technology can transmit data _.,A)at up to forty times of ordinary speed,B)much more faster,C)at a high speed,D)within a second,Company Logo,Unit 1 Finance Company(37),4.Who can take advantage of the broadband technology according to the passage?,A)Family members.,B)College students.,C)Both home owners and businessmen.,D)Only businessmen and their partners.,5.With the broadband technology companies can have all their operations done _.,A)during the work days,B)during the whole week,C)online,D)offline,1.B,2.C 3.A 4.C 5.C,Company Logo,Unit 1 Finance Company(38),Writing,A Bad News Letter,I.Introduction,Sometimes in business you simply cannot avoid writing a letter that has bad news.However,you can try to write the letter in such a way as to maintain a good relationship with the recipient,as well as breaking the bad news in the easiest way.You dont want to burn any bridges in business,so it really is to your advantage to write an effective bad news letter.,When writing the letter,your objectives should focus on:,1.Minimizing damage to the relationship:Bad news should not destroy the relationship.,2.Showing that the decision is fair and reasonable:Imagine yourself in the readers shoes,and try to offer the best explanation possible.,Company Logo,Unit 1 Finance Company(39),3.Stating the bad news clearly and firmly.,4.The opening should have a buffer to minimize any damage to the relationship.Use a positive or neutral opening to maintain goodwill.,5.The body should include reasons to help the reader see it from your point of view.You want to show that you are being both fair and reasonable.Be clear and firm about the bad news,but also be brief,positive,and low key about it.,6.The closing should contain an appropriate gesture of goodwill,and perhaps a potential solution for the readers problem.,Company Logo,Unit 1 Finance Company(40),II.Sample Letter,Dear Bill,Your invitation for me to act as chairperson for BCCJs upcoming Annual Auction Dinner is an honor.I enjoyed serving in that role last year.Your members are an excellent group with great ideas,and it was a privilege to work with them.,This year I am involved in developing a new department here at the clinic that is taking up all my time.As much as I would enjoy working with BCCJ again,I am afraid that I wouldnt be able to give the duties the attention the project deserves.,Company Logo,Unit 1 Finance Company(41),Perhaps I may suggest one of my colleagues who would have the time to do the job the way it ought to be done.Give me a call if you are interested,and I will be happy to suggest some names for you.We want the industry to be well represented.,I wish you and the committee great success in achieving this years goal.,Yours truly,(signiture),The letter is straight forward and polite.The writer provided an excellent reason for the refusal of the position,but also left the door open for a future relationship.As well,the writer provided a possible solution at the end.,Company Logo,Thank You!,