金融英语听说原文答案unit1-3

Unit 1

Multiple Choices Dialog 1

W: Hi, Mike. Why do you look puzzled?

M: I’ve learned that there are four big commercial banks in your country.Would you please tell me what they are?

W: Yes, it is a pleasure. They are Bank of China, China Construction Bank,Industrial and Commercial Bank of China and Agricultural Bank ofChina. M: So, does CCB refer to China Construction Bank?

W: I don’t see any reason why not. You can simply call them respectivelyBOC, CCB, ICBC and ABC.

Question: Which of the following is NOT among the four major commercial banks of China? (D) 译文

女： 你好！麦克。为什么一脸困惑呀？

男： 我知道你们国家有四大商业银行，请你告诉我是哪几家，好吗？

女： 行，乐意效劳。这四大商业银行是中国银行、中国建设银行、中国工商银行和中国农业银行。

男： 所以CCB 是指中国建设银行吗？

女： 一点不错。你可以简单地分别称它们BOC, CCB, ICBC 和ABC。 Dialog 2

M: It is reported that some joint-stock banks have been established in severalmajor cities.

W: Exactly. They are allowed to offer various banking services to individualsand businesses just as the four big commercial banks do.

M: You said it. Can you tell me some joint-stock banks?

W: It is no sweat. China Minsheng Banking Corp. Ltd., China Citic Bank,Industrial Bank Co., Ltd., and Guangdong Development Bank are all joint stockbanks. M: What about Shenzhen Development Bank? W: Of course it is one of them.

Question: Which of the following is NOT mentioned in their conversation? (A) 译文

男： 有报道说在一些大城市已经建立了数家股份制银行。

女： 对。允许它们像四大商业银行那样对个人和企业提供各种银行业务。 男： 你说对了。你能告诉我一些股份制银行吗？

女： 没问题。民生银行、中信银行、兴业银行和广东发展银行都是股份制银行。 男： 深圳发展银行呢？ 女： 它当然也是啊。 Dialog 3

M: Hi! I just read the news that many foreign banks have set up branchesor representative offices in our major cities, such as Beijing, Shanghaiand Guangzhou. They think China is a huge market and there are morechances for them to make a fortune.

W: Sure as shooting. I’m told that The Hong Kong & Shanghai BankingCorporation Limited has established branches in Shanghai and Beijing.One of my classmates is now working in a branch of the Bank of EastAsia. It is also a foreign bank.

W: Wonderful! There will be more employment opportunities for you whenyou graduate a year

later.

Question: What is the man according to the dialog? (C) 译文

男： 嗨！我刚读了一篇新闻，上面说许多外资银行在我们的一些大城市开设了分行或办事处，比如北京、上海和广州。他们认为中国是一个巨大的市场，有更多的赚钱机会。 女： 消息属实。我也听说汇丰银行在上海和北京开设了分行。我的一个同学在东亚银行的一个分行就职。它也是外资银行。

女： 太棒了！等你明年毕业，就有更多的就业机会了。 Dialog 4

W: Is the president still the head of Bank of China after it became a publiccorporation through listing on the stock exchange?

M: No. Generally speaking, the shareholders’ meeting is the top authority andthen the Board of Directors. The president is appointed and confirmed bythe Board of Directors. He is authorized by the Board to be in charge of themanagement and operation of the bank and required to report to the Board.

Question: Which of the following has the right to decide the president of BOC? (C)

译文

女： 中国银行在证券交易所上市成为股份有限公司以后，行长还是最高领导吗？

男: 不是。一般来说，股东大会是最高权利机构，然后是董事会。由董事会提名 确认银行行长。董事会授权行长负责银行的管理和经营，并要求他向董事会 汇报。 Dialog 1

W: Hello, Li. How’s tricks?

M: Couldn’t be better. How about you? W: Quite well. What are you doing here?

M: I want to make some investment in funds. I’m told that I can earn muchmore money.

W: Sometimes, I think. We have a Personal Financing Center. The managerwill give you some financial advice according to your income and othermatters and help you make a reasonable plan.

M: Wonderful. Where is the Center?

W: Over there. The lady standing besides Counter No. 1 is the manager of thedepartment. You can go and ask her about your affairs.

Question: What does the man want to do and which department will he go to?

He wants to buy some funds and he will go to the Personal Financing Centerof the bank. 译文 女： 嗨，李， 怎么样？ 男： 好极了。你呢？

女： 我很好啊。在这儿干吗呢？

男： 我打算投资一些基金。有人告诉我投资基金可以获得更高的收益。

女： 我觉得有时会吧。我们有个人理财中心。那里的经理会按照您的收入和其他因素给您一些理财建议，并帮您做出合理的计划。 男： 太棒了。理财中心在哪儿呢？

女： 在那边。1 号柜台旁边站着的女士就是这个部门的经理。关于这事您可以去问 问她。 Dialog 2

M: I’m told to go to the Premier Service Center of your bank to get someadvice about the

personal investment. Would you please tell me whereit is?

W: The Premier Service Center is on the second floor, next to the CreditDepartment. The passenger lift is over there. This way, please. M: Thank you.

W: You are welcome.

Question: Why does the man go to the Premier Service Center? Where is the Center?

To get some advice about the personal investment. It is on the second floor,next to the Credit Department.

译文

男： 有人告诉我去大客户服务中心咨询有关个人投资的事宜。麻烦您告诉我它在哪儿，好吗？

女： 大客户服务中心在2 楼，信贷部的隔壁。载客电梯在那边，请从这里走。 男： 谢谢！ 女： 不客气。 Dialog 3

M: I am going to apply to ICBC for a mortgage. Which department will attendto it? W: The Credit Department.

M: Is it in the Credit Card Center?

W: No. The Credit Card Center deals with the business of credit cards, whilethe Credit Department handles the business of personal loans as well ascorporate borrowings. Question: What is the difference between Credit Card Center and Credit Department?

The Credit Card Center deals with the business of credit cards, while theCredit Department handles the business of personal loans as well as corporateborrowings. 译文

男： 我打算到工行申请按揭贷款，哪个部门办理这项业务？ 女： 信贷部。

男： 在信用卡中心里面吗？

女： 不是。信用卡中心处理信用卡业务，而信贷部处理个人贷款和公司货款。 Dialog 1

译文 男： 据我了解中国建设银行目前提供4 种银行基本业务。 女： 是什么呢？

男： 个人业务、公司业务、信用卡业务和网上银行业务。 女： 公司业务指什么？

男： 公司业务指银行为公司、企业以及机构提供的各种银行业务。

女： 我想我明白了。所以个人业务指银行仅为个人提供的各种业务，而网上业务指通过因特网提供的银行业务。提供这些业务的是同一个部门吗？

男： 不是。提供这些业务的部门分别是个人银行业务部、公司银行业务部、信用卡中心和网上银行业务部。 Dialog 2

译文 女： 请问，理财咨询部在哪里？我要买一些国债。

男： 在那边，1 号窗口旁边。那里的部门经理会为您办理这个业务。 女： 顺便问一下，如果我要存钱，在哪里开存款账户？

男： 哦，就在这里，你看，个人银行业务部，我们为个人客户提供个人存款和个人贷款业务。如果你打算买国债，你得首先在这里开一个活期账户。

Dialog 3

译文 男：这里是信用卡中心吗？贵行通知我说有指定我为受益人的信用证到了。我能够来审证吗？

女： 哦，信用证？我想你最好去结算部问问。他们会为您办理信用证业务。

男： 对不起，我忘了。他们告诉我要去结算部的。顺便问一句，信用卡不是信用证，是吧？ 女： 完全正确。如果您要开信用卡，可以在这里办理。

男： 对不起。我总是把“信贷”、“信用卡”和“信用证”混淆在一起。你能告诉我 信贷部提供什么业务吗？

女： 如果您申请贷款，就去那里。 男： 多谢。我这就去结算部。 Conversation 1 Bank of China

W: Dr. Zhang, I’d like you to meet Ms. Brown. Ms. Brown, this is Dr. Zhang, Manager of Beijing Branch, Bank of China.

M: Nice to meet you, Ms. Brown. Welcome to our branch.

W: Nice to meet you, Dr. Zhang. BOC is one of the four big commercial banks of China. It’s my honor to come here and have a visit.

M: Well, Ms. Brown. Have you heard of anything about our bank?

W: Of course, a lot. I once read the magazine The Banker, er? in 2007, I think, and I learnt from a report that BOC ranked the 9th among the world’s top 1,000 banks. It is incredible for me to be right here, exactly at the bank, Dr. Zhang. I’m very excited.

Would you please tell me more about your bank? I’d like to learn about the 9th largest bank in the world.

M: It is my pleasure, Ms. Brown. The full name of our bank now is Bank of China Limited, shortened to BOC. Frankly, I’m proud of our bank.

W: Yes. I know that. And I’ve studied the history of your bank. The rapid development of BOC is really unbelievable. As a public company, what about its management and organizations?

M: Generally speaking, BOC has a very effective management structure. Of course, the shareholders’ meeting is on the top of the management. Then there is the Board of Directors. Under the board, there are some committees making up the top management.

W: These committees will discuss important matters and then report to the Board of Directors? M: Without doubt. The main sections under the top management include the operational section and the supervisory section. The operational section includes different departments dealing with banking operations, general business and supporting business. The supervisory section includes the Auditing Department, the Inspection Department, and the Security Department. W: And there are many branches and sub-branches at home and abroad. Am I right? M: Absolutely right. You know so much about our bank.

W: You see, I’ve made some study of Chinese banking. It is my field of study for a master’s degree. Well, one more question. Would you please tell me the types of business offered by BOC? M: BOC is mainly engaged in commercial banking, including corporate banking, retail banking, and online banking or e-banking. We also offer services such as letters of guarantee, syndicated loans, financial advisory services, and so on.

W: Thank you very much for your introduction. I think I’ve learnt a lot about BOC. No doubt that BOC is the first largest commercial bank in China.

M: Oh, well, there is still a long way for us to go. You know, Industrial and Commercial Bank of

China ranked the 7th in the world last year.

W: Shortly it is ICBC, right? And there are also Construction Bank of China and Agricultural Bank of China.

M: Exactly. Together with BOC, they are the four big commercial banks of China.

译文 女： 张博士, 请允许我介绍您认识布朗女士。布朗女士，这是张博士，中国银行北京分行的经理。

男： 很高兴认识您，布朗女士。欢迎光临。

女： 很高兴见到您，张博士。中国银行是中国四大商业银行之一。来这里参观是我的荣幸。 男： 布朗女士。您听说过中国银行吗？

女： 当然。听说过很多。我曾经读过《银行家》这本杂志，嗯??我想是在2007 年吧，里面有一篇报道说中国银行位居世界1,000 家最大银行的第9 名。今

天我能够站在这里，在中国银行，真是太不可思议了。我很兴奋。张博士，您 能够给我多讲讲中国银行吗？我希望了解世界第9 大银行。

男： 我很乐意，布朗女士。我们银行目前的全称是中国银行股份有限公司。说实话，我很为它感到自豪。

女： 我知道。我读过中国银行的历史。中国银行的快速发展确实令人刮目相看。 作为一家上市公司，其管理机构设置又是怎么样的呢？

男： 总的来说，中国银行拥有效率非常高的管理机构。当然，股东大会是最高权力机构。其后是董事会。董事会领导某些管理委员会构成银行的高层管理机 构。

女： 这些委员会将讨论某些重大事情，然后向董事会汇报么？

男： 完全正确。高层管理机构主要包括两部分：业务管理机构和监察管理机构。 业务管理机构包括分管银行业务、总务和后勤不同的部门。监察管理机构包 括审计部、监察部和保安部。

女： 中国银行在国内外还有很多分行和支行，对吗？ 男： 不错。关于我们银行，您知道得真不少。

女： 您知道我对中国的金融业做了一些研究。这是我硕士研究的领域。我还有一个问题：中国银行提供哪些方面的业务呢？

男： 我们银行主要经营商业银行业务，包括公司银行业务、零售银行业务以及网上银行业务。我们还提供诸如保函、辛迪加贷款、理财咨询等业务。

女： 非常感谢您的介绍。我想我已经了解了很多有关你们中国银行的事情了。毫无疑问中国银行是中国最大的商业银行。

男： 噢，别这么说。我们仍然任重而道远。你知道，中国工商银行去年在世界银行中排名第7 位。

女： 中国工商银行简称是ICBC，对吗？此外还有中国建设银行和中国农业银行。 男： 非常正确。它们与中国银行一起并称中国的四大商业银行。 Conversation 2 Foreign Banks in China W: Hi, Tony. What is on the TV? M: News about foreign banks.

W: Foreign banks? It is said many foreign banks want to set up branches in China. M: Exactly. They line up to enter Beijing. That is the headline in China Daily today.

W: Foreign banks have been setting up a lot of new branches in Beijing and Shanghai these years. There will be some changes in the Chinese banking sector as more foreign banks come in.

M: I’ve heard of the news about Singapore’s United Overseas Bank Group, UOB in short. It has

男： 别着急。没有你想得那么难。有个简单方法可以区别它们。当你把钱存到银 行或者从银行贷款时，你会按规定的利率赚得利息或支付利息。如果你去把 人民币兑换成某种外汇，你就必须知道人民币兑换该外汇的现时汇率。懂了吗？

女： 是，我想我明白了。利率就是本国市场上本国货币的价格，而汇率就是外汇市场上一种货币兑换另一种货币的价格。 Dialog 2

W: This is the Credit Card Center of China Construction Bank. What can I do for you?

M: I want to apply for a Long Credit Card. I don’t know what documents are needed for the application.

W: You are welcome, sir. Just your ID card and your Certificate of Employment will be required. M: Oh, very good. I have brought them with me. Here they are.

W: All right. Please fill in an Application Form. Do you have any idea about the card?

M: Yes, a little. I’m told it is very convenient to make payment with a Long Credit Card. But how can I put money to my card?

W: It is a piece of cake. When you have a credit card, you hold a credit card account with our bank. You can deposit money to your credit card account through ATMs or over the counter at any bank outlet. If you are too busy to come, you can choose to transfer money from your current account automatically. We’ll send you a monthly statement and tell you the balance of your account.

Question: What will the customer do if he wants to deposit money to his credit card account? (D) 译文

女： 这是中国建设银行信用卡中心。请问有什么可以帮您的？ 男： 我要办一张龙卡。不知道申请需要什么证件？

女： 欢迎您，先生。申请信用卡只要您的身份证和工作证。 男： 哦，那太好了。我带着这些证件呢。给。 女： 好了。请填写一份申请表。您了解龙卡吗？

男： 知道一点点。听说用龙卡付款非常方便。可我怎样才能把钱存到卡里去呢?

女： 很容易。您有了信用卡，就在我们银行有一个信用卡账户。您可以通过柜员机或者仸何营业部的柜台把钱存到您的信用卡账户。如果您太忙，没有时间来银行，您可以选择从您的活期账户自动转账。我们每个月会寄送对账单给您，告诉您您的账户余额。 Dialog 3

W: Excuse me, would you please tell me the meaning of the word “outstanding balance” on my statement?

M: Yes, well, outstanding balance refers to the amount the card holder should repay to the bank. W: If the outstanding balance on my statement is $2,000, I should repay the money to the bank immediately I receive it. Am I right?

M: Take it easy. There is a grace period of at least 35 days for a credit card and the statement will tell you the maturity of repayment. It is OK if you deposit enough money to your credit card account before maturity.

Question: What does the term “outstanding balance” mean according to the conversation? (D) 译文

女： 不好意思，麻烦你告诉我对账单上“未付金额”的含义好吗？ 男： 好。嗯，“ 未付金额”是指持卡人应该偿还给银行的金额。 女： 如果对账单上的未付金额是2,000 美元，我就必须在收到对账单后立即把钱还给银行，

是吗？

男： 不用着急。信用卡都有至少35 天的宽限期, 对账单会告诉您还款的期限。只要您在到期之前存入足够的钱到您的信用卡账户就可以了。 Dialog 4

M: Morning, madam. What can I do for you?

W: Morning, sir, I have a time deposit with your bank. A 5-year time deposit. The balance of the deposit account is 35,000 yuan. At the moment I need an amount of money for emergency. Can I withdraw some money from the deposit account? M: How much do you want? W: 20,000 yuan.

M: It’s OK, but the interest should be calculated at the rate on a current account. What about the rest? Do you want it to be transferred to your current account? W: No. I’ll keep it in the time deposit account.

M: All right, but I have to tell you that we should withdraw it first at the current rate of interest and then deposit the money to your account. The value date of your time deposit is updated from now on.

Question: What will happen if the woman withdraws money from her time deposit account before maturity? (D)

译文

男： 早上好，女士。有什么事需要我为您效劳吗？

女： 早上好，先生。我在你们银行有定期存款。期限5 年。账户余额是35,000 元。现在我急需用钱。可以从定期账户取一些钱吗？ 男： 需要多少？ 女： 20,000 元。

男： 可以，但利息必须按照活期利率计算。剩下的钱怎么办？需要把它转账到您的活期账户吗？

女： 不。还是存定期吧。

男： 行啊。但我要告诉您，我们要先把全部金额按活期利率取出来，然后把余额 存入您的定期账户。您的定期存款利息从现在开始重新计算。 Task 2 Short Answer Questions Scripts & Answers Dialog 1

M: Yesterday my credit card was lost and then returned to me by a policeman. W: What happened?

M: I lost my card in a department store. Then a man was caught when he used my card to pay for his purchases; his signature on the sales slip did not match my signature on the card. W: You should be grateful to the shopgirl as well as the policeman. Question: How was the credit card found held by another person?

The shop-girl found the signature on the sales slip different from that on the card. 译文

男： 昨天我的信用卡丢了, 后来警察把它还给了我。 女： 怎么回事？

男： 我在商店把卡丢了。后来一个男人用我的卡购物付款时被抓捕，他在销售凭条上的签名与卡上我的签名不一致。

女： 你应该好好感谢这位女售货员和警察。 Dialog 2

M: Now we have learned the equation for the calculation of simple interest: I = P×R×T. Who can tell what the letters stand for in the equation?

W: Let me try. Letter stands for interest, the fee for borrowing money. The fee is based on three elements. represents the first element, principal, the amount borrowed; stands for the second element, rate of interest; and stands for time, that is, the period over which the interest is calculated.

M: If the rate of interest is 12% perannum, the amount of money borrowed is $1,000, and the time is one year, how much interest will be paid at maturity?

W: According to the equation, the interest to be paid is $120 by multiplying $1,000 by 12%. Question: How much interest will you get on your RMB time deposit at maturity if the amount is￥10,000, the time is 2 years and the rate of interest is 2% per annum? ￥400. 译文

男： 现在我们已经学习了计算单利的公式：I = P × R × T。谁能说说这些字母在公式中都代表什么？

女： 我试试。字母I 表示利息，也就是借款的费用。费用依据三个要素：P 代表 第一个要素, 本金，也就是借的金额；R 代表第2 个要素，利率；T 代表时间， 即利息结算的时间。 男： 假如年利率是12%，所借的金额是1,000 美元，时间是1 年，到期后你要付多少利息？ 女： 按照公式，我们用1,000 美元乘以12%，也就是要支付120 美元的利息。 Dialog 3

W: Hi! What are you doing here? Doing some calculation?

M: Yes, I’m calculating the interest. A few months ago I borrowed some money for emergency from a private finance company. I want to make clear how much I have to pay since it falls due this month. You know I borrowed the money at compound interest.

W: Oh, my God! At compound interest? The interest will be a large sum, since it is calculated on both the sum of money you borrowed and the interest.

M: Yes. The interest is compounded on a monthly basis. I did not know it increases very fast. W: You devil! Why not borrow money from some commercial bank?

Question: How is the compound interest calculated according to the woman? It is calculated on both the principal and the interest.

译文

女： 喂，你在这儿干什么？算账吗？

男： 是，我在计算利息。几个月前因急用，我从一家私人金融公司借了一笔钱。因这个月到期，我想算清楚到底要还多少钱。你知道吗？我可是按复利借的款。

女： 哦，天哪！按复利？利息是好大一笔钱的，它不仅要算所借的本金的利息，还要算利息的利息。

男： 对。利息是按月复计的，以前我不知道利息增加得这么快。 女： 你啊！干嘛不去商业银行借钱呢？ Task 3 Listening and Simulating Scripts & Answers Dialog 1

W: Morning, sir. What can I do for you?

M: Morning. I come and deposit some money. What’s the current rate on the sight deposit? W: 1.78% per annum. Why not a time deposit? The rate on the time deposit is much higher. You could earn more interest if you had a 3-year fixed time deposit.

M: Probably you are right. I will do as you said when I have an amount of spare cash.

W: It’s all right. Excuse me, sir, would you please fill in a deposit slip? It is the first time for you to open an account with our bank. You should give us your name, ID number, your address, phone number, and the currency and the amount to be deposited. Er? yes, would you please show me your ID card?

译文

女： 早上好，先生。有什么事需要我为您效劳吗？

男： 早上好。我来存点钱。现在的活期存款利率是多少？

女： 年利率1.78%。为什么不存定期？定期的利率要高很多。如果您存3 年定期， 您能够得到更多的利息。

男： 也许你是对的。等我有闲钱，我就按你说的办。

女： 没关系。麻烦您填一张存款凭条，好吗？这是您第一次在我们银行开户。您 要写清您的姓名、身份证号码、地址、电话号码，以及存款的币种和金额。 嗯??还有，请您给我看看您的身份证好么？ Dialog 2

M: Excuse me! Where can I withdraw my money besides over the counter? You see, so many people crowded around the counter. I’m afraid I can’t wait any longer. W: From ATMs over there.

M: Thank you. By the way, can I withdraw money from my time deposit through an ATM?

W: No. You’d better do it over the counter. Only credit cards and debit cards connected with particular current accounts can be used to withdraw money through ATMs. 译文

男： 打搅了，请问除了柜台以外，我还可以在哪里取钱呢？你看，柜台周围挤满了 人。我恐怕不能再等了。

女： 可以从那边的柜员机取钱。

男： 谢谢！还有，我能够从柜员机支取定期存款吗？

女： 不可以。你最好去柜台支取定期存款。只有与特定活期账户相关联的信用卡 和借记卡才可以通过柜员机上取钱。 Dialog 3

W: Excuse me, sir. I’ve a 2-year RMB time deposit with your bank at the rate of 2.56% per annum. Would you please tell me how to calculate the interest I can earn at maturity? M: You are welcome, Madam. Well, can you tell me the balance of your account? W: 20,000 yuan.

M: All right. The calculation would be 20,000×2.56%×2 and you will get 1024 yuan. This is your interest on the 2-year time deposit. M: It is simple interest, isn’t it? W: Yes, of course. Banks never offer compound interest on deposits. 译文

女： 打扰一下，先生。我在你们银行有一个2 年期的人民币定期存款，年利率是 2.56%。请告诉我怎样计算到期利息，好吗？

男： 不用客气，女士。哦，你的存款余额是多少？ 女： 20,000 元。

男： 好吧。利息的计算是20,000×2.56%×2，您可以得到1024 元。这就是您的 2 年定期存款的利息。

女： 这是单利，对吧？

男： 当然。银行绝不会提供复利给存款的。 Long Conversations

Conversation 1 Personal Deposit Services Scripts & Answers

W: Hi, Robert. What brings you here?

M: Hi! Glad to see you. I’m here to open a RMB account. Could you give me some information? W: I’d love to. What kind of deposit would you like to have?

M: Well, I’m not sure. Would you please tell me the personal deposit services offered by your bank?

W: Of course. For personal deposit services we have demand deposits, fixed time deposits and savings deposits as well as certificates of deposit. If you have a small amount of money and withdraw cash frequently, you’

d better have a demand deposit and open a checking account or a current account. You can write checks on your account, pay bills or transfer your money from one account to another online and get cash through ATMs. If you have a large amount of money and intend to keep it for a long time, I think a fixed time deposit or a certificate of deposit is better. You can open a deposit account.

M: What’s the difference?

W: With a checking account, you can write checks on your account and withdraw cash at any time you need, but the interest rate is very low. A fixed time deposit can earn more interest because we offer a higher rate on it. M: What’s the rate on a certificate of deposit?

W: Oh, the rate on CDs is similar to a fixed time deposit. You may choose different terms for the deposit, such as three months, six months, or a year. We will issue a certificate of deposit or a bankbook for you. You are not allowed to withdraw money from your account until maturity. M: What if I need to withdraw money from a deposit account before maturity?

W: You’ll lose some interest since a penalty will be charged for your withdrawal of money from your deposit account in advance. Your interest will be calculated at the rate on a current account. M: How can I withdraw my money from a current account?

W: The current account takes the form of a deposit book as well as a bank card. You may withdraw or deposit money at any time with the card through ATMs or over the counter with your bankbook or bank card.

M: I’d rather open a current account with a bank card.

W: OK. Please fill in this deposit slip and state your currency and the amount here. And please put your passport number and your name here.

M: Here you are. I want to deposit RMB 5,000 yuan. Here is the money. Is everything all right? W: Yeah, the amount is correct. ? Oh, yes, may I have a look of your passport, please? We need a copy of your passport on file. ? Thank you. Robert, would you please set a password for your card? Yes, just key in your password through the password processor. Your password should be an 8-digit number. OK. ? Now, please key in your number again. All right, everything is OK. Here is your bank card and your passport. Please check it. M: Fine. Thank you.

W: You are welcome. See you. M: See you. 译文

女： 嗨，罗伯特，是什么风把你吹到这儿来了？

遭受打击take a hit of 资产缩水asset mark down

信贷方面的损失credit-related loss 消费债consumer debt 资产组合portfolio 国际扩张international expansion 次级按揭贷款subprime mortgage Task 2 Short Answer Questions

Listen to the news report and answer the following questions. Scripts & Answers for Reference China Radio International. You are listening to China Radio International news program. Citigroup shareholders may have finally gotten what they wanted—

the resignation of Chairman and Chief Executive Charles Prince—but Wall Street’

s worries are far from over. At an emergency meeting of the Citi board on Sunday, the nation’s largest bank announced Prince’

s widely expected departure, but also estimated it would take additional losses of $8 billion to $11 billion. In the third quarter, it already took a hit of $6.5 billion in asset mark downs and other credit-related losses. Citigroup’

s not alone in its debt problems. When borrowers with poor credit stopped paying their mortgages, many banks not only had to take losses on those subprime mortgages, they also saw instruments in their portfolios backed by mortgages decreased in value. No one knows how much longer home prices will keep falling, and whether problems related to the housing market will start affecting other types of consumer debt.

Also to be seen is how much longer the credit markets will stay tight, and if the currently strong portions of the economy will be made more difficult by banks’ inability to make loans. ―It’s the lending practices,‖ said Steven Goldman, chief market strategist. ―How much is that going to be damaged?‖

Prince, 57, became Chief Executive of Citigroup in October 2003. Many shareholders criticized him openly. Shares closed Friday at $37.73, about 20 percent below where they were when Prince became CEO. There’s no change of strategy that we see, actually, going forward,‖ Bischoff said, noting that the company still plans to focus on international expansion, at least until a new CEO is chosen.

Questions 1 to 5 are based on the news report you have just heard. 1: Which bank is mentioned in the news report? Citigroup Inc.

2: What happened to the bank on Sunday?

An emergency meeting of the Citi board was held. 3: What was the cause of the losses to the nation’

s largest bank? Borrowers with poor credit stopped paying their mortgages. 4: What was the estimated additional loss of Citigroup? From $8 billion to $11 billion. 5: What was the price of Citi shares on Friday? $37.73. Task 3 True or False

Listen to the news report again and decide whether the following statements are true or false. Answers for Reference

F 1. Citigroup shareholders don’t want Chairman and Chief Executive Charles Prince to resign. (Citigroup shareholders may have finally gotten what they wanted—the resignation of Chairman and Chief Executive Charles Prince.) T 2. It’

s estimated that Charles’ departure would take additional losses of $8 billion to $11 billion. T 3. Banks suffer from losses caused by subprime mortgages as well as depreciation in instrument

s value. T 4. Banks’ inability to make loans worsens the current market situation.

F 5. Shares closed Friday about 12 percent below where they were when Prince became CEO. (20%) 译文

中国国际广播电台。您正在收听的是中国国际广播电台新闻节目。

花旗集团公司股东们或许最终得到了他们希望的结果—花旗集团董事长兼首席执行官查尔斯·普林斯离任—但华尔街的担忧远胜于此。 本周日花旗董事会召开紧急会议，美国最大的银行宣布了众望所归的普林斯的离任，但估计该行会额外损失80 至110 亿美元。第三季度，该行遭受了资产缩水以及其他与信贷相关的损失65 亿美元。 不止花旗集团一家身陷债务困境。当信用不良的借款人停止支付按揭贷款时，许多银行不仅要承担次级贷款的损失，还要眼睁睁地看着他们的以按揭贷款为担保的组合资产的票据价值缩水。谁也不知道房屋的价格什么时候停止下跌，也不知道与房地产市场相关的问题是否会影响其他品种的消费债务。还需要观望的是信贷市场紧缩还要多长时间，而且当前经济的领衔领域是否会因为银行无力发行贷款而更加困难。 斯蒂文·戈德曼，市场战略专家说：―这是贷款惯例，这样下去损失究竟是多少呢？‖

普林斯，现年57 岁，2003 年10 月就任花旗首席执行官。许多股东公开批评他。花旗的股票本周五收市价为37.73 美元，比当初他上任时下跌了20%。―实际上目前我们看到公司没有进行任何战略上的改变，‖ 比肖夫说。他还强调公司仍然致力于国际扩张，至少新的首席执行官上任之前是这样。 V Technical Terms

About Categories of Loan 1. personal loan 个人贷款 2. commercial loan 商业贷款

3. banking advance 银行贷款，银行垫款 4. overdraft 透支

5. personal consumer durables loan 个人耐用消费品贷款 6. auto loan 汽车贷款 7. mortgage loan 按揭贷款

8. subprime mortgage 次级按揭贷款

9. mortgage backed securities 以按揭抵押贷款为担保的债券 About Personal Housing Loan

1. personal second-hand housing loan 个人二手房贷款，个人再交易住房贷款 2. personal commercial space purchase loan 个人商业用房贷款

3. individual housing loans at fixed interest rate 固定利率个人住房贷款 4. personal housing mixed loan 个人住房组合贷款

5. individual housing provident fund loan 公积金个人住房贷款 6. personal mortgage loan 个人住房抵押贷款 About Credit Risks

1. non-payment of a loan 贷款断供，拒绝偿还贷款 2. fluctuation in interest rate 利率波动 3. inadequate liquidity 流动资金不足 4. liquid asset 流动资产

5. liquidity requirement 流动资金要求

6. emergency standby credit line 紧急备付信用额度

7. bad loan reserve 贷款坏账准备金 8. free market efficiency 自由市场效率 9. default on the loan 还贷违约 10. mortgage deed 按揭贷款契据

11. liquidity position 流动资金头寸；流动资金情况 12. collateral 抵押品 13. security 担保品

14. asset mark down 资产缩水

15. credit-related loss 与信用相关的损失 16. portfolio 资产组合 17. consumer debt 消费者债务 About Credit Risk Assessment

1. line of credit (=credit line, credit limit. 信贷额度 2. credit worthiness 信贷可靠性，偿还能力 3. credit standing 资信状况 4. financial standing 财务状况

5. credit risk analysis 信用风险分析 6. credit rating 信用评级 7. credit grade 信用等级 About Loan Application 1. loan proposal 贷款申请 2. pledged house 质押房屋

3. mortgaged property 按揭抵押的财产

4. repayment plan 还款计划 (=repayment schedule) 5. certificate of income 收入证明 6. loan conditions 贷款条件 7. prime rate of interest 优惠利率 8. capital base 资本基础，资金基础

9. term of a loan 贷款期限 (=loan term) 10. by instalments 分期付款 11. by equal monthly instalments 按月等额分期付款 12. process the loan proposal 处理贷款申请

13. approve /decline a loan proposal 批准或拒绝贷款申请 14. down payment 分期付款的首期付款

本文来源：https://www.bwwdw.com/article/2xbt.html