新實(shí)用英語(yǔ)視聽(tīng)說(shuō)教程（第3冊(cè)）第二版 unit 3 Banking Service

BankingServiceUnit3新實(shí)用英語(yǔ)視聽(tīng)說(shuō)教程（第3冊(cè)）第二版Ifwecommandourwealth,weshallberichandfree;ifourwealthcommandsus,wearepoorindeed.——EdmundBurke(1729–1797,IrishPolitician)如果我們能支配財(cái)富，我們就會(huì)變得富裕而自由；如果我們的財(cái)富駕馭了我們，我們就會(huì)是真正的窮光蛋?！５旅伞げ耍?729—1797，愛(ài)爾蘭政治家）新實(shí)用英語(yǔ)視聽(tīng)說(shuō)教程（第3冊(cè)）第二版PARTⅠVideoComprehensionPARTⅡListeningComprehensionPARTⅢSpeakingDevelopmentPARTⅣWorkplaceContextCONTENTSTeachingTipsEpisode1HowtoGetFreeMoneyfromYourBankAccountEpisode2NewDevelopmentBank’sfirstLoanProjectOperatingStablyWordstoKnowShortConversationsSituationalDialoguesPassageListeningTopicIntroductionCulturalBackgroundWordstoKnowSituationalDialoguesUsefulSentencesandExpressionsBriefDescriptionWorkplaceDialogueUsefulSentencePatternsChineseCultureTimeOralPractice?WordsandExpressionstoMasterbalanceconvertdivideexchangetransfermortgagejointoptimismpreservecongressheartencomprehendSignificancepeaktemporarilysignificantpotentialonbehalfofNEXTBACK?ImportantSentencePatternsparticipateinsomething(cf.joinsomegroup；joininsomeactivity；takepartinsome

activity；takesomeexam/test)2.paytributetosomeone(cf.topraiseandthanksomeonepublicly)3.approveofsomething(cf.approvesomeoneofsomething)4.besubjecttosomething受支配(cf.besubjectedtosomething)NEXTPREV.UP?LanguageSkillsPartⅠVideoComprehension理解有關(guān)銀行服務(wù)的用語(yǔ)，銀行服務(wù)的場(chǎng)景。PartⅡListeningComprehension有關(guān)銀行服務(wù)的用語(yǔ)，注意銀行服務(wù)的不同情景，如存款、取款、開(kāi)戶、申請(qǐng)信用卡、貸款以及一些專有詞匯的說(shuō)法。PartⅢSpeakingDevelopment正確表達(dá)出自己所需要的服務(wù)內(nèi)容，如drawsomemoney,openanaccount,applyforacreditcard,loan,balance,cash等。PartⅣWorkplaceContext能簡(jiǎn)單、清晰地就辦公設(shè)備的操作向別人求助BACKPREV.PartⅠVIDEOCOMPREHENSIONBankingService中國(guó)人民大學(xué)出版社新實(shí)用英語(yǔ)視聽(tīng)說(shuō)教程（第3冊(cè)）第二版HowtoGetFreeMoneyfromYourBankAccountEpisode1WordstoKnowVideoTaskBACKWordstoKnowawrittenassurancethatsomeproductorservicewillbeprovidedorwillmeetcertainspecifications保證；擔(dān)保；保證人；保證書(shū)aconditionalconveyanceofpropertyassecurityfortherepaymentofaloan抵押guarantee/?ɡ?r(?)n'ti?/n.mortgage/'m??ɡ?d?/n.額外的好處aholdingpotBACKTask3Watchtheepisodeagainanddecidewhetherthefollowingstatementsaretrue(T)orfalse(F).PREV.BACK1.Arrangeforallyourstandingordersanddirectdebitstocomeoutofyourhigh-interestaccountasearlyinthemonthaspossible.2.Ifyougetpaidonthe1st,arrangeforyourstandingorderstocomeoutonthe30th.3.Fredrickmoves￡800inbillstoaregularcurrentaccount.4.Ataninterestrateof6%he’llearnanextra￡48everyyear.5.Wecangetmoneyfromthebank.()()()()FTFT()T?TranscriptNEXTBACKImaginethere'sonedayayearwhereacompletestrangerhandsyoufiftypounds.Nowimaginethatwasguaranteedeveryyearfortherestofyourlife.That'slikebeinggivenapairofshoes,ortwentypints,orareallynicehair-cut,orasuitofunderwear.Ifyou'rearegularearner,thiscouldbeareality,sofollowoursimpleadvicetogetyourbanktopayyoumoneyfordoingabsolutelynothing!Mostbanksoffercurrentaccountswithhigherratesofinterestifyoucancommittopayinginacertainamountamonth.Shoparoundtofindthehighest-payingcurrentaccountyoucan,andthenarrangetohaveyoursalarypaidintoiteverymonth.Keepyourregularcurrentaccount,whichwon'tbepayingasmuchinterest,butwillprovideaholdingpotforyourspendingmoney;Workouthowmuchyoupayeverymonthinstandingorders,directdebitsandanyother?Transcriptregularpayments.Includeyourrentormortgage,insurancepaymentsandallyourutilitybills.Subtractthistotalfromyourmonthlysalary;Theremainderisyourstospendasyoulike,sotransferitintoyourregularcurrentaccount,leavingthemoneyforyourdirectdebitsinyourhighinterestaccount.Arrangeforallyourstandingordersanddirectdebitstocomeoutofyourhigh-interestaccountaslateinthemonthaspossible.Ifyougetpaidonthe1st,arrangeforyourstandingorderstocomeoutonthe30th.Thiswillmeanthatforthose30daysthemoneywillbesittinginyouraccountearningyouinterest.Fredrickearns￡1,500permonth,whichispaidintoahighinterestcurrentaccountonthe1stofeverymonth.Heworksoutthathepays￡800inbillssoleavesthiswhereitisandmovestheother￡700toaregularcurrentaccount.Hethenarrangesforhisbillsandstandingorderstocomeoutofhishighinterestaccountonthe28thofthemonth,meaning￡800issittinginhishighNEXTPREV.UP?Transcriptinterestaccountforthebestpartof4weeks.Ataninterestrateof6%he'llearnanextra￡48everyyear!BACKPREV.想象一下每年都會(huì)有陌生人給你50英鎊，而且這種事情是有保證的。這相當(dāng)于一雙鞋，或者20品脫的啤酒，或者一次很棒的理發(fā)，或者一套內(nèi)衣。如果你有定期收入，那么這種好事完全可以變?yōu)楝F(xiàn)實(shí)。下面來(lái)看看我們的建議吧，讓銀行付錢給你，而且你什么都不需要做。大多數(shù)銀行的現(xiàn)金賬戶的利率都會(huì)高一些，前提是你能承諾每月花費(fèi)一定數(shù)額的錢。仔細(xì)尋找利率最高的銀行現(xiàn)金賬戶，然后定期把工資存進(jìn)去。這個(gè)定期賬戶雖然不會(huì)賺到更多的利潤(rùn)，但是能在你需要花錢時(shí)提供額外的好處。記錄一下你每個(gè)月需要花費(fèi)的金錢數(shù)目，自動(dòng)扣款、定期支付和其他常規(guī)付款，包括房租房貸、保險(xiǎn)單和公共事務(wù)賬單在內(nèi)的常規(guī)項(xiàng)目。將這筆數(shù)目從工資里減去，把剩下的可以白由支配的資金存進(jìn)定期賬戶中，然后用支付自動(dòng)扣款的餞來(lái)賺取高利息。?TranslationNEXTBACK定期支付和自動(dòng)扣款的扣款時(shí)間要盡可能地安排在月底。比如你在1號(hào)拿到工資，就要在月尾30號(hào)的時(shí)候再取錢進(jìn)行支付。這意味著你的錢在30天里一刻不停地為你賺取利息。弗雷德里克每個(gè)月的工資是1500英鎊，在每個(gè)月的第一天領(lǐng)工資。他算出自己所需的必要支出是800英鎊，所以他把剩下的700英鎊存進(jìn)了定期賬戶。然后他把所有的賬單支付日期都安排在了每個(gè)月的28號(hào)，這也就是說(shuō)這800英鎊每月都能創(chuàng)造4周的利息。按照6%的利率，他每年都能從銀行多得48英鎊！?TranslationBACKPREV.WordstoKnowVideoTaskBACKNewDevelopmentBank’sfirstLoanProjectOperatingStablyEpisode2producingavoltagewhenexposedtoradiantenergy(especiallylight)光電池的photovoltaic/?f??t??v??l'te??k/

adj.WordstoKnow[oftenpassive](oftenusedinnewspapers)toreducesth.byalargeamount（常用于報(bào)章）大幅度削減；大大降低slash/sl??/?

vt.gas,etc.thatissentoutintotheair排放物；散發(fā)物emission/?'m??n/??n.BACK(abbr.MW)aunitformeasuringelectricalpower;onemillionwatts兆瓦，百萬(wàn)瓦特（電能計(jì)量單位）megawatt/'meɡ??w?t/?

n.WordstoKnow太陽(yáng)能光伏電站solarphotovoltaicpowerstationBACKBACK中國(guó)人民大學(xué)出版社新實(shí)用英語(yǔ)視聽(tīng)說(shuō)教程（第3冊(cè)）第二版TranslationTranscriptNewDevelopmentBank’sfirst

projectinChina,ShanghaiLingangDistributedSolarPowerProject,issmoothly.ItwasmadepossiblethroughaloanfromtheNewDevelopmentBankofmorethan$33million.TheLingangdistributedtosolarpowerprojectsolarenergygeneratingpowerfromrooftopinstallations.Well,that’sinlinewithoneofthebank’sfoundinggoalstofinancesustainabledevelopmentprojectsintheBRICSandtheothermarkets.

______loanNEXTBACKTask1Watchtheepisodetwiceandthenfillinthemissinginformationyouhear._________running________involves________emergingNEXTPREV.UPTask2Watchtheepisodeagainandchoosethebestanswertoeachquestion.1.WhatdidthefirstinvestmentoftheBRICSNewDevelopmentBankfocuson?

B.Sustainablegreencompanies.A.Developingcountries.D.Developedcountries.C.Multinational.2.HowmuchdidShanghaiLingangHongboNewEnergyDevelopmentCompanytakeoutasaloanfromtheNewDevelopmentBankforitsproject?A.$33million.D.$83million.B.$53million.C.$13million.3.Byhowmanytonsofcarbonemissionsdothesolarphotovoltaicpowerstationaimtoslash?C.52,000.B.65,000.D.80,000.A.5,200.NEXTPREV.UPTask2Watchtheepisodeagainandchoosethebestanswertoeachquestion.4.Whenhadthetotalpowergenerationreachedabout220MMkWhaccordingtowhatthecompanysays?

D.BytheendofMay2022.A.BytheendofJune2022.B.BytheendofMarch2022.C.BytheendofAugust2022.5.HowmuchwillthephotovoltaicuserssavethecostofelectricityaccordingtoShanghaiLingang’sestimates?D.8.1millionRMB.A.6.1millionRMB.B.2.2millionRMB.C.6.2billionRMB.Task3Watchtheepisodeagainanddecidewhetherthefollowingstatementsaretrue(T)orfalse(F).PREV.BACK1.Fromitsfirstinvestment,theBRICSNewDevelopmentBankfocusedonsustainablegreencompanies.2.Thefinancingcostisquitefavorablewiththelowestinterestrate,whichis2.241%.3.BytheendofMay2022,thecompanysays,itstotalpowergenerationhadreachedabout220MMkWh.()()()TFTTask3Watchtheepisodeagainanddecidewhetherthefollowingstatementsaretrue(T)orfalse(F).PREV.BACK4.ThebankwillcontinuetoreduceitsoperationsinChinaandallofourmembercountries5.TheBRICSNewDevelopmentBankhashelpedtobringgreenandsustainabledevelopmenttoShanghai.()()FT?TranscriptNEXTBACKNewDevelopmentBank’sFirstLoanProjectOperatingStablyTheNewDevelopmentBankisamultilateraldevelopmentbankestablishedbyBRICS.Fromitsfirstinvestment,theBRICSNewDevelopmentBankfocusedonsustainablegreencompanies.OneofthemishelpingreduceCO2emissionsinShanghai.CO2isitsownprofileofthebank’sfirstproject.NewDevelopmentBank’sfirstloanprojectinChina,ShanghaiLingangDistributedSolarPowerProject,isrunningsmoothly.ItwasmadepossiblethroughaloanfromtheNewDevelopmentBankofmorethan$33million.TheLingangdistributedsolarpowerprojectinvolvessolarenergygeneratingpowerfromrooftopinstallations.Well,that’sinlinewithoneof?Transcriptthebank’sfoundinggoalstofinancesustainabledevelopmentprojectsintheBRICSandtheotheremergingmarkets.CarriedoutbyShanghaiLingangHongboNewEnergyDevelopmentCompany,itssolarphotovoltaicpowerstationaimstoslashcarbonemissionsby52,000tonsayear—generatingaround65megawattsofphotovoltaicpower.Thefinancingcostisquitefavorablewiththelowestinterestrate,whichis1.818%.However,nowthecurrentinterestrate,whichis2.241%,thelowfinancinginterestrateguaranteesthesmoothoperationoftheproject.BytheendofMay2022,thecompanysays,itstotalpowergenerationhadreachedaboutNEXTPREV.UP?Transcript220MMkWh.ShanghaiLingangsaysthisshouldfurtherreducecarbondioxideemissionsbyabout175,000tons,theequivalentofabout80,000tonsofstandardcoal,eliminatingtheuseofthatmuchcoalshouldremovearound6,000tonsofsulfurdioxideandabout3,500tonsofnitrogenoxidesfromtheatmosphere.ByShanghaiLingang’sestimates,thatwillsavethecostofelectricityforphotovoltaicusersabout8.1millionRMB.It’salreadycontributetogreeningthefootprintofShanghai.WewillcontinuetodomoreprojectsinChina;thebankhasgotmultipleprojectswearecurrentlylookingatthroughoutvariousprovincesinChina.Manyoftheseprojects,asyoumightknow,wefundwithrenminbi,withlocalcurrency.SothebankwillcontinuetoincreaseitsoperationsinChinaandallofourmembercountries.NEXTPREV.UP?TranscriptTheBRICSNewDevelopmentBankhashelpedtobringgreenandsustainabledevelopmenttoShanghai.MoreprojectsandinvestmentsareexpectedbythebankinChinaandinBRICSmembercountries.WangSiwen,CGTN,Shanghai.NEXTPREV.UP?TranslationNEXTBACK新開(kāi)發(fā)銀行首個(gè)貸款項(xiàng)目穩(wěn)定運(yùn)行新開(kāi)發(fā)銀行是金磚國(guó)家設(shè)立的多邊開(kāi)發(fā)銀行。從第一筆投資開(kāi)始，金磚國(guó)家新開(kāi)發(fā)銀行就專注于可持續(xù)發(fā)展的綠色公司。其中之一是幫助減少上海的二氧化碳排放量。二氧化碳也是銀行的第一個(gè)項(xiàng)目。新開(kāi)發(fā)銀行在國(guó)內(nèi)的首個(gè)貸款項(xiàng)目——上海臨港分布式光伏發(fā)電項(xiàng)目運(yùn)行順利。它是通過(guò)新開(kāi)發(fā)銀行超過(guò)3300萬(wàn)美元的貸款實(shí)現(xiàn)的。臨港分布式太陽(yáng)能項(xiàng)目涉及屋頂裝置的太陽(yáng)能發(fā)電。嗯，這符合該銀行的創(chuàng)始目標(biāo)之一，即為金磚國(guó)家和其他新興市場(chǎng)的可持續(xù)發(fā)展項(xiàng)目提供資金。其太陽(yáng)能光伏電站由上海臨港弘博新能源開(kāi)發(fā)公司實(shí)施，旨在每年減少碳排放5.2萬(wàn)噸，光伏發(fā)電量約為65兆瓦。融資成本相當(dāng)優(yōu)惠，利率最低將達(dá)到1.818%。但是，現(xiàn)在的利率是2.241%，低的融資利率保證了項(xiàng)目的順利運(yùn)行。?Translation該公司表示，到2022年5月末，其總發(fā)電量已達(dá)到約220MM千瓦時(shí)。上海臨港表示，這將進(jìn)一步減少二氧化碳排放量約17.5萬(wàn)噸，相當(dāng)于約8萬(wàn)噸標(biāo)準(zhǔn)煤。少用這么多煤，將減少約6000噸二氧化硫和約3500噸氮氧化物排放。據(jù)上海臨港測(cè)算，這將為光伏用戶節(jié)省約810萬(wàn)元的電費(fèi)。它已經(jīng)為綠色上海的足跡做出了貢獻(xiàn)。我們將繼續(xù)在中國(guó)開(kāi)展更多項(xiàng)目，該銀行目前正在中國(guó)各個(gè)省份開(kāi)展多個(gè)項(xiàng)目。您可能知道，其中許多項(xiàng)目都是用當(dāng)?shù)刎泿湃嗣駧刨Y助的。因此，該銀行將繼續(xù)增加在中國(guó)和我們所有成員國(guó)的業(yè)務(wù)。金磚國(guó)家新開(kāi)發(fā)銀行助力上海實(shí)現(xiàn)綠色可持續(xù)發(fā)展。中國(guó)新開(kāi)發(fā)銀行以及金磚成員國(guó)家將會(huì)有更多的項(xiàng)目和投資。NEXTPREV.UPPartⅡLISTENINGCOMPREHENSIONBankingService中國(guó)人民大學(xué)出版社新實(shí)用英語(yǔ)視聽(tīng)說(shuō)教程（第3冊(cè)）第二版cash/k??/n.tochangefromoneformorusetoanother使轉(zhuǎn)變tosend(money,etc.)toapersonoraplace匯（款等）moneyincoinsornotes現(xiàn)款；現(xiàn)金convert/k?n'v??t/vt.remit/r?'m?t/vt.NEXTBACKapproval/?'pru?v?l/n.anactoffeelingorshowingorsayingthatonethinkssth.isgoodoracceptableorsatisfactory贊成；認(rèn)可；滿意；同意）WordstoKnowrelationbetweenkindsofmoneyusedindifferentcountries兌換；兌換率exchange/?ks't?e?nd?/n.cancel/'k?ns(?)l/v.tomovefromoneplacetoanother由一處轉(zhuǎn)移到另一處toremove(money)fromabankaccount,etc.從銀行賬戶提（款）；?。ㄥX）topostponeindefinitelyorannulsomethingthatwasscheduled取消；刪除transfer/tr?ns'f??/vt.withdraw/w?e'dr??/vt.balance/'b?l?ns/n.differencebetweentwocolumnsofanaccount,i.e.moneyreceivedorowingandmoneyspentorowed收支差額；余額WordstoKnowpropertypledgedasaguaranteeforthepaymentofaloan擔(dān)保物；抵押物collateral/k?'l?t?r?l/n.NEXTPREV.UPdivide/d?'va?d/?n.failuretodosomethingesp.topayadebt拖欠付款donewithoutdelay及時(shí)地；準(zhǔn)時(shí)地；迅速地）lineofhighlandseparatingtworiversystems分水線default/d?‘f??lt/n.promptly/'pr?mptli/adv.millennium/m?'len??m/n.aspanofonethousandyears一千年；千禧年WordstoKnowthatcancontinueorbecontinuedforalongtime

可持續(xù)的sustainable/s?'ste?n?bl/adj.NEXTPREV.UPaverbalcontroversy;adebate;aquarrel口頭辯論；爭(zhēng)論，爭(zhēng)吵dispute/d?'spju?t/n.BACKPREV.WordstoKnow活期存款賬戶currentaccount取款單withdrawalform汽車貸款autoloan賒銷賬戶；信用賬戶chargeaccount=creditaccount1.A:Iwanttoborrowsomemoneyfromyourbank.What’stheinterestratenow?B:Youcangetat10percentinterest.2.A:IwanttoconvertdollarsintoRenminbiYuan.B:Yes,whatdoyouhave?Canadiandollars?Singaporedollars?Or…3.A:I’dliketowithyourbank.Couldyougivemesomeinformation?

B:.Doyoulikeacurrentaccountoratermone?_____________Directions:Listentothedialoguesandfillintheblankswiththewordsyouhear.apersonalloan________ShortConversationsNEXTBACKineffect___________Mypleasure_____________openanaccount_____________severalthousand________currencyDirections:Listentothedialoguesandfillintheblankswiththewordsyouhear.4.A:Hi,Barry.I’mgoingtothebankto.Youworkinabank,sowill

youpleasetellmehowtodoit?

B:I’dloveto.First,youarerequiredtofillintheapplication.Upontheapprovalof

thebythebank,youcanhandforeignexchangetotheclerk.5.A:Excuseme,I’mLeoFolsom.I’msomemoneyfromJapan.Isitin?B:Justamoment,please.I’llgoandcheck…Mr.Folsom,thetransferhasarrived,andwe’vemadefor$2,000toyouraccount._______________ShortConversationsBACKPREV._________________________________remitsomecashcompletedformexpectingacreditentryDirections:Listentothedialoguesandchoosetherightanswertoeachofthefollowingquestions.YouwillhearadialoguebetweenAnne,whoisacustomerandJeff,whoisabankclerk.Dialogue1TranscriptSituationalDialoguesNEXTBACK1.Whatdoesthewomanwanttodo?B.TowithdrawmoneyA.Toopenanaccount.D.Tocancelheraccount.C.ToborrowsomemoneySituationalDialoguesDirections:Listentothedialoguesandchoosetherightanswertoeachofthefollowingquestions.NEXTPREV.UP3.Doesthewomanoftenwithdrawmoneyfromthebank?B.No.A.Yes.D.Shewithdrawsmoneyeveryweek.C.Idon’tknow.2.Whatshouldyoustateapartfromthedate,theaccountnumber,yournamewhen

fillingthewithdrawalform?D.Theamountyouwanttowithdraw.C.Yourtelephonenumber.A.Yourwife’sname.B.Theamountofyourbalance.SituationalDialoguesDirections:Listentothedialoguesandchoosetherightanswertoeachofthefollowingquestions.NEXTPREV.UP4.Howmuchistheminimumbalanceifyouwanttokeepyouraccountactive?B.1dollar.A.50dollars.D.0.5dollar.C.5dollars.5.Howmuchmoneydidthewomanwithdrawatlast?C.$550.B.$50.D.$600.5.A.$600.Inthisdialogue,Winfredwantstoapplyaloantobuyanewcar.HeisaskingKerry,theloanofficer,forsomeinformation.Dialogue2TranscriptDirections:Listentothedialoguesandchoosetherightanswertoeachofthefollowingquestions.SituationalDialoguesNEXTPREV.UP1.WhatkindofquestiondidWinfredaskfirst?A.What’stheinterestratesofautoloans?D.CanIhelpyou?C.DoIhavetogivethebankanycollateral?B.DoIhaveanychargeaccounts?Directions:Listentothedialoguesandchoosetherightanswertoeachofthefollowingquestions.SituationalDialoguesNEXTPREV.UP2.ForhowlongwillWinfredhavetomakemonthlypayments?B.36months.A.Twoyears.D.4years.C.3months.3.Whatservesasthecollateral?B.Winfred’scar.A.Winfred’shouse.D.Winfred’screditcard.C.Winfred’sdeposit.Directions:Listentothedialoguesandchoosetherightanswertoeachofthefollowingquestions.SituationalDialoguesBACKPREV.4.WhatwillthebankdoifWinfreddefaults?D.It’lltakepossessionofhiscar.C.It’llwithdrawhiscreditcard.A.It’lltakethepossessionofhishouse.B.It’llinformhiscompany5.Whywillthebankcheckhiscreditfiles?C.Toseeifhealwayspaidbackhisloansinthepast.D.Toseeifhehasachargeaccount.A.Toseeifhefillsoutthisloanapplication.B.Toseewhetherhehasenoughmoney.PassageListening1.Directions:Listentothepassageandfillinthemissingwordswiththeexactwordsyouhear.The“WorldBank”isthenamethathascometobeusedfortheInternationalBankforReconstructionandDevelopment(IBRD)andtheInternationalDevelopmentAssociation(IDA).Togethertheseorganizationsprovidelow-interestloans,interest-freecredits,andtodevelopingcountries.TheWorldBankworksto

thedividebetweenrichcountriesandpooronesandturnrichcountry

intopoorcountrygrowth.Asoneoftheworld’slargestsourcesofdevelopmentassistance,it

theeffortsofdevelopingcountryNEXTBACK______grants__________resources_______bridge__________supportsgovernmentstobuildschoolsandhealthcenters,providingwaterandelectricity,fightingdiseases,andprotectingthe

.TheWorldBankisnota“bank”inthecommon

.ItisoneoftheUnitedNations’specializedagencies,andismadeupof184membercountries.Thesecountriesarejointly

forhowtheinstitutionisfinancedandhowitsmoneyisspent.Alongwiththerestofthedevelopingcountries,theWorldBankfocusesitseffortsonreachingtheMillenniumDevelopmentGoals,whichwasagreedtobyUNmembersin1.Directions:Listentothepassageandfillinthemissingwordswiththeexactwordsyouhear.PassageListeningNEXTPREV.UP_____________environment_________sense_____________responsible2000andaimedatsustainablepoverty.ApartfromIBRDandIDA,threeotherorganizationsmakeuptheWorldBankGroup.TheInternationalFinanceCorporation(IFC)promotes

sectorinvestmentbysupportinghigh-risksectorsandcountries.TheMultilateralInvestmentGuaranteeAgency(MIGA)providespoliticalriskinsurancetoinvestorsandlenderstodevelopingcountries.AndtheInternationalCenterforSettlementofInvestmentDisputes(ICSID)settlesinvestmentdisputesbetweenforeigninvestorsandtheir

countries.1.Directions:Listentothepassageandfillinthemissingwordswiththeexactwordsyouhear.PassageListeningNEXTPREV.UP_________private_________reduction______hostPassageListening2.Directions:Listentothepassageagainandanswerthefollowingquestionsinbrief.(1)HowmanymembercountriesistheWorldBankmadeupof?TheWorldBankismadeupof.NEXTPREV.UP___________________184membercountries(2)WhatarethefunctionsoftheWorldBank?

Itworkstobetweenrichcountriesandpooronesandturnrich

countryresourcesintopoorcountrygrowth.________________bridgethedivide(3)WhatorganizationsmakeuptheWorldBankGroup?ApartfromIBRDandIDA,makeuptheWorldBankGroup.________________IFC,MIGA,ICSIDPassageListening2.Directions:Listentothepassageagainandanswerthefollowingquestionsinbrief.TranscriptBACKPREV.(4)What’stheaimoftheMillenniumDevelopmentGoals?Itaimsat.________________________sustainablepovertyreduction(5)Whatarethemembercountriesjointlyresponsiblefor?

Thesecountriesarejointlyresponsibleforhowthemoneyisand

bytheinstitution._________received______spentUsefulSentencePatterns1.theInternationalBankforReconstructionandDevelopment(IBRD)國(guó)際復(fù)興開(kāi)發(fā)銀行2.theInternationalDevelopmentAssociation(IDA)國(guó)際開(kāi)發(fā)協(xié)會(huì)3.theInternationalFinanceCorporation(IFC)國(guó)際金融公司4.theMultilateralInvestmentGuaranteeAgency(MIGA)多邊投資擔(dān)保機(jī)構(gòu)5.theInternationalCenterforSettlementofInvestmentDisputes(ICSID)解決投資爭(zhēng)議國(guó)際中心BACK?TranscriptNEXTBACKJeff:Anne:Jeff:Anne:Jeff:Anne:Jeff:Goodmorning,madam.WhatmayIdoforyou?Iwanttowithdrawmoneyfrommyaccount.Therearesomewithdrawalformsonthecounteroverthere.Pleasefilloneout,statingtheamountyouwanttowithdraw;thedate,youraccountnumber,andyourname.Thencomebackherewhenyou'vefinished.OK.Thanks...Herearetheformandmypassbook.Pleasekeyinyourpassword...Yourpasswordisn'tacceptable.Willyoutryagain?It'sbeensolongsinceImademylastwithdrawal.Letmetryanotherone.Itworks.Yourbalanceis$600.5,andyouwanttowithdraw$600.Doyouwanttocancelyouraccount??TranscriptBACKPREV.Anne:Jeff:Anne:Jeff:Anne:Jeff:Anne:Bynomeans.Thenyou'llhavetohavethebalanceofonedollaratleasttokeepyouraccountactive.Onedollaristheminimumbalance.I'msorryIdidn'trealizeit.Itdoesn'tmatter.Justfilloutanotherslip.Fine...Excuseme.Couldyouchecktoseewhetheritisailrightnow?I’llwithdraw$550onlyandkeepabalanceofabout$50.Yes...Hereis$550youwanttowithdraw.Thankyousomuch.?TranscriptKerry:Winfred:Kerry:Winfred:Kerry:Winfred:Kerry:Winfred:Hello,sir.IsthereanythingIcandoforyou?Iwanttoborrowsomemoneytobuyacar.IknowverylittleaboutloansandIhopeyoucanexplainthingstome.IwilltryWhatquestionsdoyouhaveforme?First,Iwanttoknowtheinterestratesofloansforbuyingcars.Therateofinterestcurrentlyineffectonautoloansis15%.ForhowlongwillIhavetomakemonthlypayments?Thetermoftheloanisthreeyears,sotherewillbe36monthlypayments.DoIhavetogivethebankanycollateral?NEXTBACK?TranscriptBACKPREV.Kerry:Winfred:Kerry:Winfred:Thecarservesasthecollateral.Ifyoudefault,thebankcantakepossessionofthecar.Thebankwillalsocheckyourcreditfiletomakesurethatyoualwayspaidbackyourloansinthepast.Doyouhaveanychargeaccounts?Yes,Ido.Iuseditalot,forexample,IusedittobuyticketstotheSouthernGreatWallinFenghuangCounty.Ipaidoffthedebtpromptly.That'sverygood.Ithinktherewillbenoproblem.Willyoupleasefilloutthisloanapplication?Thanks.Iwillstartrightaway.?TranscriptThe"WorldBank"isthenamethathascometobeusedfortheInternationalBankforReconstructionandDevelopment(IBRD)andtheInternationalDevelopmentAssociation(IDA).Togethertheseorganizationsprovidelow-interestloans,interest-freecredits,andgrantstodevelopingcountries.TheWorldBankworkstobridgethedividebetweenrichcountriesandpooronesandturnrichcountryresourcesintopoorcountrygrowth.Asoneoftheworld'slargestsourcesofdevelopmentassistance,itsupportstheeffortsofdevelopingcountrygovernmentstobuildschoolsandhealthcenters,providingwaterandelectricity;fightingdiseases,andprotectingtheenvironment.TheWorldBankisnota“bank”inthecommonsense.ItisoneoftheUnitedNations'specializedagencies,andismadeupof184membercountries.Thesecountriesarejointlyresponsibleforhowtheinstitutionisfinancedandhowitsmoneyisspent.Alongwiththerestofthedevelopingcountries,theWorldBankfocusesitseffortsonreachingtheMillenniumDevelopmentNEXTBACK?TranscriptGoals,whichwasagreedtobyUNmembersin2000andaimedatsustainablepovertyreduction.ApartfromIBRDandIDA,threeotherorganizationsmakeuptheWorldBankGroup.TheInternationalFinanceCorporation(IFC)promotesprivatesectorinvestmentbysupportinghigh-risksectorsandcountries.TheMultilateralInvestmentGuaranteeAgency(MIGA)providespoliticalriskinsurancetoinvestorsandlenderstodevelopingcountries.AndtheInternationalCenterforSettlementofInvestmentDisputes(ICSID)settlesinvestmentdisputesbetweenforeigninvestorsandtheirhostcountries.BACKPREV.PartⅢSPEAKINGDEVELOPMENTBankingService中國(guó)人民大學(xué)出版社新實(shí)用英語(yǔ)視聽(tīng)說(shuō)教程（第3冊(cè)）第二版英美等西方國(guó)家的金融服務(wù)業(yè)非常發(fā)達(dá)，業(yè)務(wù)種類繁多，服務(wù)水平也很高。不管你是移民還是留學(xué)，抑或是短期逗留，銀行是不可能不去的，在那里你可以得到滿意的服務(wù)。開(kāi)立賬戶是你到銀行首先要做的事情，因?yàn)椴还苁乾F(xiàn)金還是支票都可以通過(guò)銀行進(jìn)行必要的周轉(zhuǎn)，這使你的日常生活更加方便和安全。在像美國(guó)這樣的西方國(guó)家，人們跟現(xiàn)金打交道的機(jī)會(huì)很少，都把錢存到銀行的賬戶中，因?yàn)閿y帶大量現(xiàn)金不但不方便，而且還很危險(xiǎn)。出門在外，信用卡是最實(shí)用的消費(fèi)工具。在美國(guó)，個(gè)人支票也是生活中一個(gè)不可缺少的消費(fèi)手段，支付房租、購(gòu)買食品、外出旅行等都可以使用個(gè)人支票付賬，而不用攜帶現(xiàn)金。消費(fèi)完