BEChighermodule5高級(jí)商務(wù)英語公開課一等獎(jiǎng)市賽課一等獎(jiǎng)?wù)n件

HIGHERSUCESSWITHBECMODULE5

BusinessTopicMoneyandfinance4.1Businesstopic:

MoneyandFinance4.2businessskills:Discussingoptions4.3Examspotlight:ListeningTest:Parttwo

MODULE5MODULE5Contents1.Moneyexpression(vocabulary)2.Acultureofdebt3.Choosinganinvestment4.Companyfinance5.Businesscost6.discussingoptions

5.1

Moneyandfinanceconsumerconfidencesecurityinvoiceflowchartmortgagerealestateguzzlenegativeequitydown-paymentequity消費(fèi)者信心擔(dān)保發(fā)票，開發(fā)票生產(chǎn)流程圖抵押不動(dòng)產(chǎn)，房地產(chǎn)資產(chǎn)凈值，股票，證劵大量消耗（燃料）負(fù)債資產(chǎn)定金，首付款項(xiàng)assets資產(chǎn)equation綜合體leaseleverage租賃期限杠桿作用，影響VOCABULARY:grossliabilitiesvariablecostfixedcostdebtorcreditorretainedprofitaccountsreceivableaccountspayabledividend總旳，毛重旳債務(wù)，負(fù)債可變成本固定成本債務(wù)人債權(quán)人股息，紅利留存利潤應(yīng)收賬款應(yīng)付賬款financialstatement財(cái)務(wù)報(bào)表annualreport年度報(bào)告snapshotbalancesheet快照，簡短描述資產(chǎn)負(fù)債表VOCABULARY:5.1

Moneyandfinanceprofitaftertaxnetprofitincomestatementcurrentassetscashflowoperatingincomeadministrativecostmaterialcostoverheadplc稅后利潤凈利潤損益表流動(dòng)資產(chǎn)現(xiàn)金流營業(yè)收入公共股份有限企業(yè)管理成本材料成本一般管理費(fèi)用（企業(yè)）distributioncost運(yùn)送成本bankcharges銀行手續(xù)費(fèi)operatingexpensesmargin營業(yè)費(fèi)用盈余，利潤）VOCABULARY:5.1

MoneyandfinanceLead-in：VOCABULARY:5.1

MoneyandfinanceIt’sexpensivetoborrowmoney.Pursuingmoneyonlymakesyouneglectthemoreimportantthingsinlife.Moneyoftencoststoomuch.

RalphWaldoEmerson,EssayistQuotations-understandingMoneyisn'teverythingTherearemanyotherthingsintheworldthatcannotbeboughtwithmoney,suchashealth,life,happiness,friendship,love,etc.Ahungerformoneypushesustoworkharderandlongerinanefforttoobtainevenmoremoney,thusruiningourhealth.

Lead-in：MoneyExpressionVOCABULARY:5.1

MoneyandfinanceMoneyexpressionVOCABULARY:5.1

MoneyandfinanceSpeaking:ABANKLOAN5.1

Moneyandfinance1.Howmuchdoyoueranayear?2.whatkindofsecuritycanyouoffer?3.Howmuchisyourhouseworth?4.howmuchmoneyhaveyousaved?5.howmuchmoneydoyouspendeachmonth?6.Doyouhaveanysharesandbonds?7.Doyouhaveanydebts?8.Forwhatdoyouwanttoborrowmoney?Preparedquestionsforbankmanager:5.1

MoneyandfinanceSpeaking:ABANKLOAN1.Whatistheinterestrate?2.WithinhowmanyyearsshouldIrepaytheloan?3.HowmuchmoneycanIborrow?Preparedquestionsforloanapplicant:

Acultureofdebt5.1

MoneyandfinanceHere’soneperspective…Moneymakestheworldgoround?$Banksencouragedtolead…$Credit(easyandcheap)fundsconsumerspending….$Consumerspendingfuelseconomicgrowth…$Personaldebtbecomesacceptableandincreases….$Debtlevelssustainableaslongasassetvaluesrisefasterthandebt…$

Assetsgoupanddowninvaluebutliabilitiesremainthesame!

“Debtisgood!”

(AlanGreenspan)

5.1

MoneyandfinanceAcultureofdebtBrainstorm!Nameasmanysourcesofpersonalcredit&debtasyoucanthinkof…..Whydolenderslend?

5.1

MoneyandfinanceAcultureofdebtSourcesofpersonalcredit/debt

CreditcardsPersonalbankloanHirepurchaseMortgageloanCreditunionloanSecuredloanCarfinanceStorechargecardsOverdraftRe-mortgageloanStorecreditBusinessloanVenturecapitalBorrowfromafriend!AcultureofdebtSomequestions:Candebtbegood?Isiteasytogetcredit–borrowmoneyforanewcomputer,car,ahouse?WhatisthegeneralattitudetoborrowinginChina?IsconsumerconfidencehighinChinaatthemoment?HowhasChina’seconomicsuccessimpactedyourlife?Now,let’slistentothelectureandcompleteexercises6&7onpage47.(Takenotesasyoulistenandgetreadytoexplainthe‘gist’tome).5.1

Moneyandfinance5.1

MoneyandfinanceLISTENING:AcultureofdebtThelegacyofAlanGreenspan1.creditanddebt2.theGreatDepression3.college4.mortgage5.low6.irresponsibly7.down-payment8.economicgrowthcontinues9.save(their)money10.$12trillion

11.atimebomb12.indefinitelyGrammar:EnergyconsumptionintheUSA1.by2.not3.than4.far/much5.nearly/almost6.exactly/practically/precisely7.at8.most5.1

Moneyandfinance5.1

MoneyandfinanceExercises5/6onpage49-choosingandinvestment.Studytheinformationprovidedoneachoftheinvestmentopportunities.Discusstheoptionswithapartner-whichdoyouthinkisthebestinvestment?Considertheprosandcons(advantages&disadvantages)

Draftalistofprosandconsforeachandcomparethem.

Decidewhichoneyouwouldinvestin!UsethelanguageinEx.6(“Statingpreferences”)toexplainthereasonsforyourchoicetome!Grammar:Choosinganinvestment&Statingpreferences5.1

MoneyandfinanceLanguageforstatingpreferences“PersonallyI’dgoforoption…because…”“Ithinkoption….hasmuchmoregoingforit…”“Mypreferencewouldbeoption….”“We’dbebetteroffbuyingoption….because…”“Option…offersbetter…”“TheonlydisadvantageIcanseewithoption…is…”“Ihaveseveralreservationsaboutoption…first…”“Ithinkoption…h(huán)asseveraldrawbacks.”“Option…ontheotherhand…”“Allinall,option…representsthebestsolutionbecause…”Grammar:Choosinganinvestment&StatingpreferencesCompanyfinances

CurrentGrossAssetsIncomeVariablecostsProfitDividendsCreditor

Accountspayable

Profitable

5.1

MoneyandfinanceUnprofitable

AccountsreceivableRetainedprofitDebtor

LossLong-termNetLiabilitiesExpenditureFixedcostsMatchthefinancialterms(oppositesinsomecases)Exercise2page50.Understandingfinancialstatements“Tomakegoodinvestmentdecisionsyouneedtounderstandthebusinessyou’reinvestingin.”

Completeexercise3onpage50usingthewordsfromexercise2.

Balancesheet

Incomestatement

Companyfinancialhealth5.1

Moneyandfinance5.1

MoneyandfinanceAfinancialsummary-Tescoplc

StudytheTescofinancialsummaryinExercise5page51:Findtheseitems:CompanyturnoverProfitaftertaxValueofthecompanyCashavailableafterinvestmentTocheckwhetherabusinessishealthy,youneedtolookat…Incomestatement(損益表)Balancesheet(資產(chǎn)負(fù)債表assets資產(chǎn)；liabilities債務(wù))Cashflowstatement(現(xiàn)金流量表)5.1

MoneyandfinanceInflows＜o(jì)utflowsNegativecashflowInflows＞outflowsPositivecashflow5.1

Moneyandfinance5.2

DiscussingoptionsBusinesscosts:Whatarethedifferentcostsassociatedwithsettingupandoperatingabusiness?

?5.2

DiscussingoptionsBusinesscosts:

Listentothedialogueandcompleteexercise2onpage52–Whatcostscuttingmeasuresarediscussed?Insertthemissingphrases.Thentryexercise1onthesamepage!.input/materialcostsutilitiese.g.electricityrentlabourcostsbankfees/costoffinanceequipmentpurchasedistributionresearch&developmentmarketing(advertising)inventory(stock)sundryexpensesadministration

legal

packaginginvestments5.2

DiscussingoptionsDiscussingoptions/makingrecommendationsUsefulexpressions:“So,we’vebeenaskedto…/So,we’rehereto…”“Whatdoyouthink/suggest?”“What’syouropinion/view?”“Forme,thebestthingwou