Unit3 Credit Status1
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《金融英语听说》Unit3Unit 3Lending BusinessWarm-up1. Match the Chinese terms in Column A with their English equivalents in Column B.Answers for Reference1 汽车贷款auto loan2 个人房屋贷款personal housing loan3 次级按揭贷款subprime mortgage loan4 信贷风险credit risk5 商业贷款commercial loan6 财务状况financial standing7 按揭抵押的房产mortgaged property8 利率风险interest rate risk9 分期付款pay by instalments10一次性付款pay in a lump sum2. Discuss in pairs and answer the following questions.Answers for Reference1. Do you know the types of personal loans offered by Canadian Imperial Bank of Commerce (CIBC)?Personal housing loan 个人住房贷款– Personal second-hand housing loan 个人二手房屋贷款,个人再交易住房贷款– Personal commercial space purchase loan 个人商业用房贷款– Individual housing loans at fixed interest rate 固定利率个人住房贷款– Personal housing mixed loan 个人住房组合贷款– Individual housing provident fund loan 公积金个人房屋贷款– Personal mortgage loan 个人住房抵押贷款Personal purchase loan 个人消费贷款Personal operation loan 个人经营贷款Personal auto loan 个人汽车贷款Personal housing improving loan 个人房屋维修贷款Personal consumer durables loan 个人耐用品消费贷款Commercial educational loan 商业助学贷款Government-subsidized educational loan 政府助学贷款Personal loan backed by pledged rights 个人产权质押贷款2. What do you think should be prepared for a loan proposal before you go to apply for a personal housing loan to CCB? valid identify certificate 有效身份证明, e.g., ID card 身份证, Hukou 户口, certificate of permanent residence 永久居民证or passport 护照Employment certificate 工作证Property right/title certificate 房产证Income statement 收入证明3. What should be considered if you were handling a loan proposal as a manager of the Credit Department?People 借款人(the identification of potential borrower, information about the person, their family, their income, their financial standing, etc. 申请借款人的身份、个人信息、家庭状况、收入、资信等)Purpose 借款的用途(the purpose of the borrowing and how to use the money borrowed 借款的目的以及如何使用借款) Payment 还款计划(how to effect repayment: by instalments or in a lump sum 如何还款:分期付款还是一次付清)– Repayment schedule 还款计划– Amount of the loan granted 审批贷款的金额– Term of the loan 贷款的期限Protection 还款保障(what to be used as collateral or securityfor the loan and who to be the guarantee 什么做贷款的抵押品以及谁是担保人)Perspective 还款风险预测(the assessment of risk of credit in perspective 客观地评估信用风险)Short DialoguesTask 1 Multiple ChoiceListen carefully and choose the best answer to the question after each dialog.Scripts & AnswersDialog 1 M: Hi, Xiaohong. There is news about bankruptcies of some U.S. banks. It seems the banks are subject to some risks in their operation.W: Yes. Excessive interest rate ri sk can pose a significant threat to a bank’s earnings and capital base.M: Do you know the exact meaning of the interest rate risk?W: It is difficult to explain it in a few words. Let me see, eh… Generallyspeaking, interest rate risk is the risk arising from the change in value ofan interest-bearing asset, such as a loan or a bond, due to fluctuation ininterest rates. As rates rise, the price of a fixed rate bond will fall. As ratesfall, the price of the bond will rise.M: So the task of control over the interest rate risk would be critical to banks, because the change in interest rates will affect the value of a bank’s interest-bearing assets.W: Right, but sometimes it is beyond the control of one bank.Question: What is usually considered the cause of interest rate risk according to the woman? (D)译文男:嗨,晓红。
体验商务英语综合教程3 第二版双语对照版Unit1 Made in Europe 欧洲制造Almost every fashion label outside the top super-luxury brands is either already manufacturing in Asia or 5 thinking of it. Coach, the US leather goods maker, is a classic example. Over the past five years, it has lifted all its gross margins by manufacturing solely in low-cost markets. In March 2002 it closed its factory in Lares, Puerto Rico, its last company-owned plant, and outsources all its products.除了顶级奢侈品牌外几乎所有的时尚品牌都已经在亚洲生产,或者正在考虑这么做。
美国的皮革商品制造商蔻驰(Coach)就是一个经典的例子。
在过去的五年中,它通过仅在低成本市场生产来提升毛利率。
在2002年的3月,它关闭了在波多黎各拉雷斯的最后一间公司所属工厂,将所有产品全部外包。
Burberry has many Asian licensing arrangements. In 2000 it decided to renew Sanyo's Japanese licence for ten years. This means that almost half of Burberry's sales at retail value will continue to be produced under license in Asia. At the same time however, Japanese consumers prefer the group's European-made products.巴宝莉(Burberry)在亚洲持有许多许可授权安排。
credit的用法及搭配一、credit的意义和基本用法1. credit的定义:Credit是一个多功能的英语单词,它可以作为名词或动词使用。
作为名词,credit常表示信任、声誉,也指代一个人或机构应获得的赞誉、认可或奖励。
作为动词时,credit可表示相信、归功于、赞颂或给予荣誉。
2. 基本用法:- 形容词修饰:可用来修饰名詞,表达有关信任度高低的概念。
例句:She is a credit to our family, always reliable and trustworthy.(她是我们家庭值得骄傲的人物,始终可靠且值得信赖。
)- 动词 + 名词短语:常与名詞短语搭配使用。
例句:I credit my success to hard work and perseverance.(我将我的成功归功于努力和毅力。
)- 被动结构:在被动结构中表示给予荣誉或赞扬。
例句:He was credited with saving the company from bankruptcy.(他因挽救公司免于破产而受到赞扬。
)二、credit与其他单词的搭配1. Credit card:信用卡是credit与card的搭配,表示一种支付方式,在购物或消费时使用信誉购买商品或服务,并在之后按照约定期限偿还所欠款项。
例句:I used my credit card to book a flight online.(我用信用卡在线预订了机票。
)2. Creditworthiness:此词由credit与worthiness组成,指个人或机构的信誉程度、可信赖程度或偿还能力。
例句:The bank will assess your creditworthiness before granting you a loan.(银行将在向您批准贷款前评估您的信用程度。
)3. Credit score:这个词组一般指个人或企业的信用评级,是通过对其历史交易和借贷记录进行计算获得的数字结果。