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1、BEC higher module 5高高级商商务英英语MODULE 5 Business TopicMoney and finance4.1 Business topic:Money and Finance4.2 business skills:Discussing options4.3 Exam spotlight:Listening Test:Part two MODULE 5MODULE 5ContentsContents1.Money expression(vocabulary)1.Money expression(vocabulary)2.A culture of debt 2.A
2、 culture of debt 3.Choosing an investment 3.Choosing an investment 4.Company finance4.Company finance5.Business cost 5.Business cost 6.6.discussing options discussing options 5.1 Money and financeconsumer confidencesecurityinvoiceflow chartmortgagereal estateguzzlenegative equitydown-paymentequity消费
3、者信心消费者信心担保担保发票，发票，开发票开发票生产流程图生产流程图 抵押抵押不不动产，房地，房地产资产净值，股票，资产净值，股票，证劵证劵大量消耗（燃料）大量消耗（燃料）负债资产负债资产定金，定金，首付款项首付款项assets资产资产equation综合体合体leaseleverage租赁期限租赁期限杠杆作用，杠杆作用，影响影响VOCABULARY:grossliabilitiesvariable costfixed costdebtorcreditorretained profitaccounts receivableaccounts payabledividend总的，毛重的总的，毛重的
4、债务，债务，负债负债可变成本可变成本固定成本固定成本债务人债务人债权人人股息，股息，红利红利留存利润留存利润应收账款应收账款应付账款应付账款financial statement财务报表财务报表annual report年度年度报告告snapshotbalance sheet快照，快照，简短描述简短描述资产负债表表VOCABULARY:5.1 Money and financeprofit after taxnet profitincome statementcurrent assetscash flowoperating incomeadministrative costmaterial c
5、ostoverheadplc税后利润税后利润净利润净利润损益表损益表流动资产流动资产现金流金流营业收入收入公共股份有限公司公共股份有限公司管理成本管理成本材料成本材料成本一般管理费用（企业）一般管理费用（企业）distribution cost运输成本运输成本bank charges银行手行手续费operating expensesmargin营业费用营业费用盈余，盈余，利利润）VOCABULARY:5.1 Money and financeLead-in：VOCABULARY:5.1 Money and finance1.Its expensive to borrow money.2.Pur
6、suing money only makes you neglect the more important things in life.Money often costs too much.Ralph Waldo Emerson,EssayistQuotations-understandingMoney isnt everythingThere are many other things in the world that cannot be bought with money,such as health,life,happiness,friendship,love,etc.A hunge
7、r for money pushes us to work harder and longer in an effort to obtain even more money,thus ruining our health.Lead-in：Money ExpressionVOCABULARY:5.1 Money and financeMoney expressionMoney expressionVOCABULARY:5.1 Money and financeSpeaking:A BANK LOAN5.1 Money and finance1.How much do you eran a yea
8、r?2.what kind of security can you offer?3.How much is your house worth?4.how much money have you saved?5.how much money do you spend each month?6.Do you have any shares and bonds?7.Do you have any debts?8.For what do you want to borrow money?Prepared questions for bank manager:5.1 Money and financeS
9、peaking:A BANK LOAN1.What is the interest rate?2.Within how many years should I repay the loan?3.How much money can I borrow?Prepared questions for loan applicant:A culture of debt5.1 Money and financeHeres one perspectiveMoney makes the world go round?$Banks encouraged to lead$Credit(easy and cheap
10、)funds consumer spending.$Consumer spending fuels economic growth$Personal debt becomes acceptable and increases.$Debt levels sustainable as long as asset values rise faster than debt$Assets go up and down in value but liabilities remain the same!“Debt is good!”(Alan Greenspan)5.1 Money and finance
11、A culture of debtBrainstorm!Name as many sources of personal credit&debt as you can think of.Why do lenders lend?5.1 Money and financeA culture of debtSources of personal credit/debt Credit cardsPersonal bank loanHire purchaseMortgage loanCredit union loanSecured loanCar financeStore charge cardsOve
12、rdraftRe-mortgage loan Store creditBusiness loanVenture capitalBorrow from a friend!A culture of debtSome questions:Can debt be good?Is it easy to get credit borrow money for a new computer,car,a house?What is the general attitude to borrowing in China?Is consumer confidence high in China at the mom
13、ent?How has Chinas economic success impacted your life?Now,lets listen to the lecture and complete exercises 6&7 on page 47.(Take notes as you listen and get ready to explain the gist to me).5.1 Money and finance5.1 Money and financeLISTENING:A culture of debtThe legacy of Alan Greenspan1.credit and
14、 debt2.the Great Depression3.college4.mortgage5.low6.irresponsibly7.down-payment8.economic growth continues9.save(their)money10.$12 trillion11.a time bomb12.indefinitelyGrammar:Energy consumption in the USA 1.by2.not3.than4.far/much5.nearly/almost6.exactly/practically/precisely7.at8.most5.1 Money an
15、d finance5.1 Money and financeExercises 5/6 on page 49-choosing and investment.q Study the information provided on each of the investment q opportunities.q Discuss the options with a partner-which do you think is the best q investment?Consider the pros and cons(advantages&disadvantages)q Draft a lis
16、t of pros and cons for each and compare them.q Decide which one you would invest in!q Use the language in Ex.6(“Stating preferences”)q to explain the reasons for your choice to me!Grammar:Choosing an investment&Stating preferences 5.1 Money and financeLanguage for stating preferences“Personally Id g
17、o for optionbecause”“I think option.has much more going for it”“My preference would be option.”“Wed be better off buying option.because”“Option offers better”“The only disadvantage I can see with optionis”“I have several reservations about option first”“I think option has several drawbacks.”“Option
18、on the other hand”“All in all,option represents the best solution because”Grammar:Choosing an investment&Stating preferences Company finances CurrentGrossAssetsIncome Variable costsProfit DividendsCreditor Accounts payable Profitable 5.1 Money and financeUnprofitable Accounts receivableRetained prof
19、itDebtor Loss Long-termNetLiabilitiesExpenditureFixed costsMatch the financial terms(opposites in some cases)Exercise 2 page 50.Understanding financial statements“To make good investment decisions you need to understand the business youre investing in.”Complete exercise 3 on page 50 using the words
20、from exercise 2.Balance sheet Income statement Company financial health5.1 Money and finance5.1 Money and financeA financial summary-Tesco plc Study the Tesco financial summary in Exercise 5 page 51:Find these items:Company turnoverProfit after tax Value of the companyCash available after investment
21、To check whether a business is healthy,you need to look at Income statement(损损益表益表)Balance sheet(资产负债资产负债表表 assets 资产资产；liabilities债务债务)Cash flow statement(现现金流量表金流量表)5.1 Money and financeInflows outflowsNegative cash flowInflows outflowsPositive cash flow5.1 Money and finance5.2 Discussing optionsB
22、usiness costs:What are the different costs associated with setting up and operating a business?5.2 Discussing optionsBusiness costs:Listen to the dialogue and complete exercise 2 on page 52 What costs cutting measures are discussed?Insert the missing phrases.Then try exercise 1 on the same page!.inp
23、ut/material costsutilities e.g.electricityrentlabour costsbank fees/cost of financeequipment purchasedistributionresearch&development marketing(advertising)inventory(stock)sundry expenses administration legal packaging investments 5.2 Discussing optionsDiscussing options/making recommendations Usefu
24、l expressions:“So,weve been asked to/So,were here to”“What do you think/suggest?”“Whats your opinion/view?”“For me,the best thing would be to”“Id recommend/We could try”Instead of/we could”“If we were to./then we could”“The advantage of that would be”“In that way we would”“I agree with you.”/“I thin
25、k thats an excellent idea.”“I see what youre saying but wouldnt it be better if”“I think that might be quite difficult/dangerous/expensive.”Imagine youre preparing for an interview for a job with a financial consulting company read the worksheet and try to come up with cost saving ideas.Exercise 4 page 53.Work with a partner and discuss the options use the expressions above.5.2 Discussing options5.2 Discussing options5.2 Discussing options5.2 Discussing options5.2 Discussing options5.3 The Listening Test:Part twoExam spotlight Homework:listening part two of test1-3Thank You谢谢观赏谢谢观赏