商务英语综合教程第三册全套电子课件完整版ppt整本书电子教案最全教学教程整套课件.ppt

AnIntegratedCourseinBusinessEnglish商务英语综合教程（第三册）Company LogoCompany LogoUnit1FinanceCompany(1)Company LogoUnit1FinanceCompany(2)Warm-upActivities1.PairworkNowworkinpairs.Discussthesequestions.1.Whatsyourspendinghabit?2.Doyouhaveanylong-termfinancialgoals?3.Whatareyourshort-termfinancialgoals?4.Wouldyoueverbuyanexpensiveitem,whyorwhynot?5.Howwouldyoudoifyoudonothaveenoughmoneyforsomething?Company LogoUnit1FinanceCompany(3)6.HowwouldyoudescribeyourfinancialIQ?7.Whatsthebiggeststumblingblockwhenconsideringbuyinganewcar?8.Whichdoyouprefer,ifyouwanttobuyanewcar,cashorcarloan?Why?9.Whichpointsyouhavetorealizewhenapplyingforautomobileloan?10.Whatkindofcardoyouthinkisfitforfamilyuse?Why?Company LogoUnit1FinanceCompany(4)II.GroupworkTalkaboutthefollowingstatementanddecidewhetherthestatementsaregoodfinancialadviceornot.1.Keeptrackofyourexpenses.2.Ifyoudonothaveenoughmoneyforsomething,useyourcreditcardtotreatyourself.3.Buyfinancialplanningsoftware.4.Cutbackonyourspending.Company LogoUnit1FinanceCompany(5)5.Livebeyondyourmeans.6.Waituntilyouareoldertostartsaving.7.Makesureyourincomeismorethanyourexpenses.8.Paytheleastpossibleamountonyourcreditcardbillseachmonth.9.Putsomemoneyawayinsavingseachmonth.10.Ifyouarefeelingdown,goshopping.Company LogoUnit1FinanceCompany(6)NotesofText1.GMAC(GeneralMotorsAcceptanceCorporation):GMACaimstobetheMacDaddyofglobalfinancecompanies.Withoperationsinapproximately40countries,thecompanyoffersfinancingtoGeneralMotors(GM)dealershipsandtheircustomers.Company LogoUnit1FinanceCompany(7)AlsooneofthelargestmortgageissuersandservicersintheUS,thecompanyoriginatesresidentialrealestateloans,investsinmortgage-backedsecurities,andpackagesnonconformingsingle-familyhomeloansforsaletoinvestorsthroughGMACMortgage.通用汽车信贷公司通用汽车信贷公司Company LogoUnit1FinanceCompany(8)2.Homeequityloan:Onenicefeatureofhomeequityloansisthatborrowersmaygetataxdeductiononinterestpaidfortheloan.Buttheinterestdeductionfromyourhomeequityloanisnotunlimited.Youcangenerallydeductinterestyoupayonthefirst$100000ofahomeequityloan.Company LogoUnit1FinanceCompany(9)Afterthat,itdepends.Ifthehomeequityloanwasusedtoimproveyourfirstorsecondhomeortopurchaseasecondhomeyoucanprobablytakethedeductiononanamountupto$1millionorthevalueofthehome.AsfarastheAlternativeMinimumTax(AMT)goes,yourhomeequityloandeductionswillonlyhelpyouifyouusedthemoneyforhomeimprovements.资产抵押贷款资产抵押贷款Company LogoUnit1FinanceCompany(10)TextAnalysisManypeopledreamofowninganewcar.However,oneofthebiggeststumblingblocksisthecostoftodaysvehicles.很多人都梦想有一部新车。然而目前买车最大的困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。难就是费用问题。dreamof梦见，梦想梦见，梦想dreamabout(1).亦作亦作dreamabout梦见梦见;梦想：梦想：Idreamtofherlastnight.昨晚我梦见她了。昨晚我梦见她了。Thehomelesschildoftendreamtabout(或或of)home.那个无家可归的孩子经常梦见家。那个无家可归的孩子经常梦见家。Company LogoUnit1FinanceCompany(11)(2).做梦想到，想到，考虑到做梦想到，想到，考虑到常用于否定常用于否定句句：Ishouldneverdreamofdoingsuchathing.我从未想到去干这样的事。我从未想到去干这样的事。Iwouldntdreamofleavingthisgreatjob.我做梦也不会想到离开这个擅长的职业。我做梦也不会想到离开这个擅长的职业。(3).向往；渴望：向往；渴望：Wedreamedofhavingacarandahouse.我们想望有车有房。我们想望有车有房。Company LogoUnit1FinanceCompany(12)WhenIwasyoungIdreamedofbecomingascientist.我年轻时渴望成为一名科学家。我年轻时渴望成为一名科学家。(4).想像；料想；设想：想像；料想；设想：Wenowhaveabighouseofwhichwecouldnothavedreamedyearsago.我们现有的一座大房子是我们多年前没我们现有的一座大房子是我们多年前没能想像得到的。能想像得到的。Company LogoUnit1FinanceCompany(13)2.Butthereareavarietyofwaystofinanceacar,andknowingyouroptionscanhelpsaveyoumoney.因而面对各种各样的贷款模式，合理的选择因而面对各种各样的贷款模式，合理的选择会给你节约大笔的资金。会给你节约大笔的资金。Avarietyof各种各样的各种各样的allkindsof(1)Thedepartmentstorecarriesavarietyofleathershoes.这家百货商店经售各种皮鞋。这家百货商店经售各种皮鞋。Company LogoUnit1FinanceCompany(14)(2)Thereisamedicalargument,thoughnotaveryconvincingone:alcoholismoredangerousinavarietyofways,includingthetendencyofsomedrunkstogetviolent.有一个医学的观点，虽然其不是极其有有一个医学的观点，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的，包括一些醉酒者变得有暴力倾向。Company LogoUnit1FinanceCompany(15)(3)Inthiscontext,weshouldacceptthedifferenceswehave.Weshouldgoourownwaysatourownpacesandbenefiteachotherinavarietyofways.在此背景下，双方应该接受彼此的差在此背景下，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。路，通过多种方式相互受益。Company LogoUnit1FinanceCompany(16)(4)Thiscanhappenforavarietyofreasons,andthesereasonscanbeunintendedaswellasdeliberate.这一情况可能是由多种原因造成的，这些原这一情况可能是由多种原因造成的，这些原因可能是无意的，也可能是故意的。因可能是无意的，也可能是故意的。(5)Strongbonesdependonavarietyofdietandlifestylefactors.强健的骨骼依赖于多种饮食和生活方式因素。强健的骨骼依赖于多种饮食和生活方式因素。Company LogoUnit1FinanceCompany(17)3.Notonlyareyoutyinguptheequityinyourcarandhomeforthisloan,thesavingsyourealizeonthetaxdeductionmaybelessthanthemoneyyousavewithalower-rateloan.你不仅将车的贷款与房屋贷款捆绑在了一起，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。选择低利率贷款省的钱多。Company LogoUnit1FinanceCompany(18)tieup占用，捆绑占用，捆绑fastenorbind(withstring,rope,wire,etc.)（1）Youneedtheloanforyears,butinvestorsdontwanttotieuptheirmoneyforyears.这笔款你需要贷若干年这笔款你需要贷若干年,可是投资者不希望他们的钱可是投资者不希望他们的钱被占用好几年被占用好几年（2）Ofcourse,theseeffortsaredifficulttomaintainbecausetheytieupcapitalinuncompletedhouses.当然这些努力也很难维持，因为未完成的工程套牢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。了他们的资金。Company LogoUnit1FinanceCompany(19)（3）Thehigherratewouldenticebankstotieupmoneytheyotherwisemightlendtocustomersorotherbanks.更高的利率将诱使银行收回流动性，减少向客户或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。其它银行发放贷款的数量。（4）YouseeIhavetopayadepositwhenIopenaletterofcredit.Thatwilltieupmyfundsandaddtothecostofmyimports,especiallyforsuchahugeorder.你知道，开立信用证时是必须要交付押金的，这会你知道，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，尤其是这样一占用我的资金，增加我的进口成本，尤其是这样一张大单子。张大单子。Company LogoUnit1FinanceCompany(20)ExercisesI.Answerthefollowingquestionsaccordingtothetext.1.Whatsthegeneralpurposeofreadingthisarticle?Tolearnaboutautomobilefinancing,especiallybeforevisitingadealersshowroom.2.Whataretheadvantagesanddisadvantagesoftax-smartloan?Company LogoUnit1FinanceCompany(21)Withatax-smartloan,youdonotneedtoexperiencethewholeproceduresandregularexpenserequiredforhomeequityloan.However,youmayspendmuchmoremoneyontax-smartloanratherthanordinarylower-rateloan.3.Whomayacceptborrowerswhoaregreatercreditrisks?Company LogoUnit1FinanceCompany(22)Financecompaniesmayacceptborrowerswhoaregreatercreditrisks.4.WhatcanbeinferredfromParagraph7?Carcompaniesarelikelytotaketheriskoflendingmoneytobuyerswithless-than-perfectcreditratings.Company LogoUnit1FinanceCompany(23)5.Whatdoesthephrase“theresacatch”inParagraph8mean?Itmeans“thereisatrap.”6.Whenistheidealtimetoshopforacarloan?Theidealtimetoshopforacarloanisbeforeyoushopforacar.7.Howtolowerthetotalexpenseofacarloan?Company LogoUnit1FinanceCompany(24)Ifyoutakeoutaloanforacar,gettheshortestpaybacktimeyoucancomfortablyhandle.Whilemonthlypaymentscanbereducedbystretchingthemoutovermoretime,onlyalowerinterestrate,asmallerloan,orashortertermwilllowerthetotalexpense.8.Whichoftheapproachesmentionedinthetextisthemostbeneficialoneforthebuyers?Company LogoUnit1FinanceCompany(25)Applyforaloanthroughbanksanddesignaflexiblerepaymentplanwhichmayshortenyourtermofpayment.II.WordPractice(1)Fillintheblankswithappropriatewordsfromthetext.Theinitialletterofeachwordhasbeensuppliedforyou.1.Formostnew-carbuyers,oneofthebiggestcostsofp_anewcarisinterestontheloan.（purchasing）2.Youcansavehundredsofd_byshoppingaroundtofindthebestfinancingdeal.（dollars）Company LogoUnit1FinanceCompany(26)3.Evenifyougetalowloanr_,perhapsapromotionalrate,watchoutwhenthefinancingsalespersonstartsselling.（rate）4.Dealerfinancingcanbemoree_,particularlyforpoorlyinformedbuyers.（expensive）5.N_thecarspricebeforeyoutalkaboutthetermsofaloan.（negotiate）6.M_creditunionsthatofferautoloanstypicallyofferlowerratesthanbanksandfinancecompanies.（membership）Company LogoUnit1FinanceCompany(27)7.In1991,theIRSe_theincometaxdeductionforinterestonmostpersonalloans.（eliminated）8.Atax-smartloanc_theeaseofaregularautoloanwiththetaxdeductibilityofahomeequityloan.（combines）9.Anotheroptionistoborrowatanattractiveinterestrate,withaf_repaymentplan.（flexible）10.Ifyoutakeoutaloanforacar,getthes_paybacktimeyoucancomfortablyhandle.（shortest）Company LogoUnit1FinanceCompany(28)III.WordPractice(2)Fillintheblankswiththeappropriatewordsorphrasesgiveninthebox.Changetheformswherenecessary.genderinvestlesscautionrevealtakeresponsiblefinancesignificantoccupyCompany LogoUnit1FinanceCompany(29)90%ofallwomenbecometotallyresponsiblefortheirownfinancialwelfareatsomepointintheirlives,yetwomenhavelaggedfarbehindmenwhenitcomesto1_planningandinvesting.Womenwhodoinvesttendtobemore2_thanmen.A“FinancialGenderGap”studyconductedbyPrudentialSecurities3_significantdifferencesinhowmenandwomeninvest.Thestudyplacesinvestorsinoneofthefollowingthreezones:Action:Activeandaccomplishedinvestors.Company LogoUnit1FinanceCompany(30)Comfort:Complacentindividualswhorealizetheimportanceoftaking4_fortheirfinancialfutures,butdonotchangetheirstrategiesaslifesituationschange.Caution:Thosetoo5_withtheupsanddownsofeverydaylifetodevelopfinancialplans.MorementhanwomenwereintheActionzone,whilemorewomenwereintheComfortandCautionzones,indicating6_differencesinrisktolerance,perspectiveonchangeandonthefuture,controlissues,attitudesaboutmoney,and7_knowledge.Company LogoUnit1FinanceCompany(31)The“InvestorZoneUpdate”study,andstudiesconductedbyotherorganizations,havefoundthatinrecentyearswomenhavebecomemoreinclinedtotakeriskandare8_likelytoletlackofinvestingknowledgekeepthemfrominvesting.Whilethesestudiesindicatethatwomenarebecomingmoreempoweredfinancially,therearestillfewerwomenthanmenintheActionzone,andwomenarestill9_lesslikelythanmento10_investmentrisks.Itisimportantforwomentoeducatethemselvesaboutinvestingandtobecomemorerisktolerantinordertoadequatelysecuretheirfinancialfutures.1.financial2.cautious3.revealed4.responsibility 5.occupied 6.gender7.investment8.less9.significantlyCompany LogoUnit1FinanceCompany(32)IVTranslationTranslatethefollowingsentencesintoEnglish.1.在这种情况下约翰尼急切地抓住了难得的机会。在这种情况下约翰尼急切地抓住了难得的机会。(jumpat)2.史蒂文听说他对新项目的提议被当成荒谬之词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。而遭到断然否决十分恼火。(berejectedas)3.现代社会的孩子很难想象一个没有电视和电脑现代社会的孩子很难想象一个没有电视和电脑的时代。的时代。(conceiveof)4.我们每天的事情很多，只有把最重要的优先安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。排才能保证有时间完成。(givepriorityto)5.这家公司已经投资几百万美元编写新的程序满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。足发展需求。(meettherequirementof)Company LogoUnit1FinanceCompany(33)1.InthiscaseJohnnyjumpedattherarechance.2.Stevewasveryupsettohearthathisproposalforthenewprojecthadbeenrejectedasridiculous.3.ThemodernchildfindsitdifficulttoconceiveofatimewhentherewasnoTVorcomputer.4.Wehavemanythingstodoeachdayandwemustgiveprioritytothosemostimportanttoensurewehavetimeforthem.5.Thecompanyhasinvestedmillionsofdollarsinwritingnewprogramstomeettherequirementsofthedevelopment.Company LogoUnit1FinanceCompany(34)V.ReadingComprehensionReadthetextcarefully,andchoosethebestanswer.Broadbandtechnologyisseenasthekeytothenewdigitaleconomy.Inthisrapidlychangingworld,mediaandtechnologyinformationcanbesentviaphonecallsanddownloadslikemusic,graphics,businessinformationorfilms.Thesimplertheinformation,thesmallerthepackageandthenarrowerthebandwidthneededtodeliverit.BroadbandisusedforhighspeedInternetconnectionsatafixedmonthlyrate.Itturnsanexcitingtelephonelineintoahighspeeddigitallinecapableofcarryingdataupto40timesconventionalmodemspeedsCompany LogoUnit1FinanceCompany(35)Anydownloadisavailableattheclickofamousethereisnodial-upasthereiswithstandardInternetServiceProviders.Forhomeownersandfamiliestherearemanyadvantages.Oneofthemostimportantissimultaneous(同时的同时的)accesstobothtelephonelinesandtheInternet.Noqueuesandnodelay.Forbusinesses,broadbandcanimprovecustomerrelationsandprovidedirectaccesstocorporatee-mailsanddatabases.Entireoperationscangoonline.Company LogoUnit1FinanceCompany(36)1.Thefunctionthatbroadbandtechnologyhasonthenewdigitaleconomyis_.A)furtherB)criticalC)costlyD)global2.Howmuchdoesauserpayifhehasbroadbandtechnologyinstalled?A)Itdependsonthelengthoftime.B)Itdependsonthetimesofdial-up.C)Hepaysatafixedmonthlyrate.D)Hepaysalotofmoney.3.Comparedwiththemodernspeedthebroadbandtechnologycantransmitdata_.A)atuptofortytimesofordinaryspeedB)muchmorefasterC)atahighspeedD)withinasecondCompany LogoUnit1FinanceCompany(37)4.Whocantakeadvantageofthebroadbandtechnologyaccordingtothepassage?A)Familymembers.B)Collegestudents.C)Bothhomeownersandbusinessmen.D)Onlybusinessmenandtheirpartners.5.Withthebroadbandtechnologycompaniescanhavealltheiroperationsdone_.A)duringtheworkdaysB)duringthewholeweekC)onlineD)offline1.B2.C3.A4.C5.CCompany LogoUnit1FinanceCompany(38)WritingABadNewsLetterI.IntroductionSometimesinbusinessyousimplycannotavoidwritingaletterthathasbadnews.However,youcantrytowritetheletterinsuchawayastomaintainagoodrelationshipwiththerecipient,aswellasbreakingthebadnewsintheeasiestway.Youdontwanttoburnanybridgesinbusiness,soitreallyistoyouradvantagetowriteaneffectivebadnewsletter.Whenwritingtheletter,yourobjectivesshouldfocuson:1.Minimizingdamagetotherelationship:Badnewsshouldnotdestroytherelationship.2.Showingthatthedecisionisfairandreasonable:Imagineyourselfinthereadersshoes,andtrytoofferthebestexplanationpossible.Company LogoUnit1FinanceCompany(39)3.Statingthebadnewsclearlyandfirmly.4.Theopeningshouldhaveabuffertominimizeanydamagetotherelationship.Useapositiveorneutralopeningtomaintaingoodwill.5.Thebodyshouldincludereasonstohelpthereaderseeitfromyourpointofview.Youwanttoshowthatyouarebeingbothfairandreasonable.Beclearandfirmaboutthebadnews,butalsobebrief,positive,andlowkeyaboutit.6.Theclosingshouldcontainanappropriategestureofgoodwill,andperhapsapotentialsolutionforthereadersproblem.Company LogoUnit1FinanceCompany(40)II.SampleLetterDearBill,YourinvitationformetoactaschairpersonforBCCJsupcomingAnnualAuctionDinnerisanhonor.Ienjoyedservinginthatrolelastyear.Yourmembersareanexcellentgroupwithgreatideas,anditwasaprivilegetoworkwiththem.ThisyearIaminvolvedindevelopinganewdepartmenthereattheclinicthatistakingupallmytime.AsmuchasIwouldenjoyworkingwithBCCJagain,IamafraidthatIwouldntbeabletogivethedutiestheattentiontheprojectdeserves.Company LogoUnit1FinanceCompany(41)PerhapsImaysuggestoneofmycolleagueswhowouldhavethetimetodothejobthewayitoughttobedone.Givemeacallifyouareinterested,andIwillbehappytosuggestsomenamesforyou.Wewanttheindustrytobewellrepresented.Iwishyouandthecommitteegreatsuccessinachievingthisyearsgoal.Yourstruly,(signiture)Theletterisstraightforwardandpolite.Thewriterprovidedanexcellentreasonfortherefusaloftheposition,butalsoleftthedooropenforafuturerelationship.Aswell,thewriterprovidedapossiblesolutionattheend.Company L Company LogoCompany LogoAnIntegratedCourseinBusinessEnglish商务英语综合教程（第三册）Company LogoUnit2InternationalMarketing(1)Company LogoUnit2InternationalMarketing(2)Warm-upActivitiesPairworkExplainhowcompaniesidentifyattractivemarketsegmentsandchooseatargetmarketingstrategy.II.Groupwork1.Isadvertisingworthwhileforcompanies?Workinsmallgroups,discussingthepositiveandnegativesocialeffectsofadvertisements.2.What is your opinion on competingcompaniesspendinglargeamountsofmoneyadvertisingtheirproducts?Company LogoUnit2InternationalMarketing(3)NotesofText1.NationalRetailFederation：（美国）零售业联合：（美国）零售业联合会会2.Amazon：卓越亚马逊，最大的中文网上购物商城：卓越亚马逊，最大的中文网上购物商城3.Ebay：全球最大的网络交易平台之一，：全球最大的网络交易平台之一，ebay为用户提为用户提供的是一个高效的平台，拥有遍布全球的购物平台，服务于供的是一个高效的平台，拥有遍布全球的购物平台，服务于3亿来自世界各地的用户。亿来自世