英语听力教程答案

1、1ShoppingandBankingOnlinePartIGettingreadyB. Spotdictation.Fillinthebankswiththewordsyouhear.Tapescript:Wehavejusttwomoredaysto“shoptillyoudrop"tillChristmas,andthattypicallymeansalotoflastminuteshopping.Andthoughbuyingwithamouseisstilltinycomparedtoshoppingwithyourfeetonlineretailingismorepopu

2、larthanever.Christmasshoppinginthestreetisgreatsometimes.Butwhenyou'vejustgottogetabunchofshoppingdoneandyouwanttohavesomethingtosendtoathird-partylocation,it'smuchbetteronline.Inthe.,onlineshoppingispredictedtobe30%aheadoflastDecember,whilemailscanexpectlessthana6%increaseinsales.InBritain,

3、Europe'sbiggeste-tailingmarket,onlinegift-buyingisexpectedtogrowby50%,with$8billionworthofgoodssoldthroughthenetintheNovembertoJanuaryperiod.C. Listentoanewsreport.Supplythemissinginformation.TipsforstayingsafeontheNetMajorpointsDetails(keywords)1.EvaluatethesiteWell-known/trustworthy/customerse

4、rvice/complaintsprocedure/refundpolicy.2.Talktomerchant/EmailandwaitforresponseAddresses/phonenumbers/callup3.EnsuresecureconnectionStrictsafetymeasures4.BeextracarefulatacybercafeorotherpublicconnectionPartnA.Mainproblemsofonlineshopping Longtimewaitingfordeliveryorevennodelivery(about8%)afterorder

5、ing Noclearinformationaboutdeliverycharges Adangerthatcustomers'personalinformationwouldbesoldtoathirdparty(asmanyas87%ofthesites)Nopolicyonreturninggoods(about47%ofthecompanies)Noconfirmationoftheorder(about35%ofthesites)andthedispatch(asmanyas87%ofthesites) Nomoneybackmorethanfourmonthsafterre

6、turninggoods(intwocases)BNowlistenagain.Completethesummary.Summary:ThesurveyshowsinspiteoftheconvenienceandchoiceofferedbyNetshoppingtherearestillmanyobstaclesthatpreventconsumersfromshoppingwithcompletetrust.Oneofthebiggestproblemsistobuildconsumerstrustinbuyingonline.IttakestimefortheInternettobec

7、omematureasaretailchannelwhenitgivessupporttotrustrelationshipswithguaranteesofpaymentandservice.PartmBankingathomeA. Outline1. Someproblemsofthewalk-inbankA. standing in long linesC. limited opening hours2. Online banking servicesA. viewing accountsC. applying for a loan productsB. runningoutofchec

8、ksB.movingmoneybetweenaccountsD. gettingcurrentinformationonE. payingbillselectronicallyF.e-mailingquestionstothebank3. ReasonsforcreatingonlineservicesA.competingforcustomersB.talkingadvantageofmoderntechnology4. InappropriatenessofonlinebankingforsomepeopleA. havingnocomputersathome.B. preferringt

9、ohandleaccountsthetraditionalwayB.Nowtrythis:listentoamoreauthenticversionofthematerial.Thenanswerthequestions.1. Whatis“interactivebanking”ItisbankingthroughtheInternet.2. Whycan“onlinebanking”competeofcustomers“Onlinebanking”offersconveniencewhichappealstothekindofcustomerbankswanttokeep.3. Whatki

10、ndofcustomersdobankswanttokeepBanksmostwanttokeeppeoplewhoareyoung,well-educated,andhavegoodincomes.PartIVB.NowlistentoaninterviewdiscussingEnglishandAmericangoodcustomerservices.Comparetheservicesandsupplythemissinginformation.EnglishGoodCustomerService(Harrods)AmericanGoodCustomerService(Saks)1.of

11、feringproductsinapleasant1.focusingmoreinthehumansideofenvironment2.beforesale,duringsaleandaftersellinga.tryingtoknowaboutlifestylesaleServicesecondtonone/family/income/occasionsinlife3.differentapproachestodifferentb.formingapartnershipbetweencustomersExample:EuropeanAmericanthecustomerandthesales

12、associate2.developingcustomerscustomerscustomers3.measuringsellingeffectiveness/LetthemtakeaApproachthemgoodqualitystaffbyrepeatbusinessnotbysales.LookateverythingShowthemLetthemcometoalternativesSalesassistants4.good&successfulfirstcontactwiththecustomer-mostimportantPartVTapescript:“Everybodyl

13、ovesabargain,"thisisacommorAmericansaying.Abargainissomethingyoubuyforlessthanitstruevalue.Itissomethingyoumightnotbuyifitcostsmore.Oneperson'suselessuglyobjectcanbeanotherperson'sbargain.SomanyAmericansputitoutsidewitha“forsale”signonitandtheyhaveayardsale.Justaboutanythingcanbesoldaya

14、rdsale:clothing,cookingequipment,oldtoys,tools,booksandchairs,evenobjectsyouthinkareextremelyuglyoruseless.Youmayhaveanelectriclightshapedlikeafish.Youmaygreatlydislikeitslooks,butitmaybebeautifultosomeoneelse.Usuallythesellerputsapriceoneachobject.Butthepricecanalmostalwaysbenegotiated.Thepriceofat

15、able,forexample,mightbemarked10.Butthesellermayaccept8.Ifthetablehasnotbeensoldbytheendoftheday,thesellerprobablywilltakemuchless.Somepeoplegotoyardsalesbecauseitispartoftheirjob.Theyearntheirlivingsbybuyingoldthingsatlowpricesthensellingthemathigherprices.Manyothers,however,gotoyardsalesjusttohavef

16、un.Theysayitislikegoingonatreasurehunt.Sometimestheyreallydofindthetreasure.NedJauderedid.TheBostonGlobenewspapersaysMr.JauderehasbeencollectingnativeAmericanIndianobjectssincehewasayoungman.Lastyear,hestoppedatayardsaleinthenortheasterncityofWorcester,Massachusetts.Hepaid$125forwhateveryonethoughtw

17、asanoldwoodenclub.Mr.Jauderethoughtitwassomethingelse.Twodayslater,heconfirmedthattheclubhadbeenusedbytheWampanoagIndianleaderknownasKingPhilip.KingPhilipuseditduringhiswarwiththewhitesettlersateasternMassachustettsin1675.Thehistoricweaponhadbeenstolenfromamuseumin1970andhadbeenmissingeversince.Mr.J

18、auderelearntthewarclubwasvaluedatabout$150000buthedidnotsellitorkeepit.Mr.JauderereturnedtheclubtothemuseumnearBoston,Massachusettsfromwhichitwasstolen.Questions:1. WhichofthefollowingisacommonAmericansaying2. Whatcanbesoldatayardsale3. Whydopeoplegotoayardsale4. Whenwastheoldwoodenclubstolen5. What

19、wastherealvalueoftheclub6. Whywastheclubatagreatvalue2HotelorB&BPartIGettingreadyB.Listentothedialogue.Writedownallthenumbersoftheproportionsoftourists.ProportionsoftouristsThisyearAnaverageyearStayinginhotels35%60%Stayinginholidaycamps45%20%VisitingEurope60%80%VisitingtheGoingbyplane50%70%Takin

20、gtheirowncar30%20%C.HotelsPricesOtherrelatedinformationTheCastelInn£12/single;£15/double;ContinentalbreakfastincludedTheDaltonHotel£30/single;£60/double;Bathroomattachedtoeveryroom;nochargeforchildrenunder12TheParkHotel£16/person;£25/half-board;£29/fullboardBathroo

21、mattachedtoeveryroomThePhoenix£28/double+bathBreakfastexcluded1. Englishbreakfastishotfood:friedegg,firedbacon,porridge,etc.2. Continentalbreakfastconsistsofcoffee,tea,rolls,jamandhoneynothingcooked.3. Half-boardincludesdinner,bedandbreakfast.4. Full-boardistheroomplusallmeals.5. VATstandsforVa

22、lueAddedTax.PartnAtouchofhome1. B&BA. natureB&Bisashortformforbedandbreakfast.B. increasingnumberNowthereareabout15000B&Bsinthe.C. advantagesoverbighotels1. charm,comfort,hospitality.2. ownerstakingapersonalinterestinguests2. AttractionofowningaB&BA. meetingdifferentpeopleB. talkingw

23、ithguests3. SeveralfeaturesofSuitsUsA. longhistorybuiltin1883;19thcenturydecorationsB. interestingnamesforsomeroomsNamedaftersomepreviousfamousguests4. Differentpeople,differentchoicesA. B&Bsnotsuitableforsomepeople1. uncomfortablestayinginsomeoneelse'shome2. notinterestedpersonalinteraction

24、B. aquietandromanticplaceformanypeoplePartmRentingacarA. Listentotheconversationinwhichamanphonesacarrentalagentaboutrentingacar.Supplythemissinginformation.Informationaboutthecustomer:Afamilyofthree+campequipmentLeavingonFri.,July7thReturningonMon.,July10thSuggestionsbytheagent:Acompactcarcurrentmo

25、del;AsmallstationwagonautomatictransmissionBestchoice:aPintostationwagonRegularrate:$Specialweekendrate:$Pickup:after4.onFri.Return:by10a.m.onMon.Mileagerate:first300milesfree,then12centspermileOthercosts:Insurance:$10Salestax:8%Deposit:$100B. Nowtrythis:listentoamoreauthenticversionofthematerial.Wr

26、itedownthewordsorphrasesthatarerelatedwithcarrentals.acompactcar/astationwagon/automatictransmission/currentmodels/pickup/returnthecar/specialweekend/rate/regularrate/unlimitedmileage/insurancesalestax/afulltankofgas/deposit/lowestratesPartIVB.RoomtrpeRackrate(pernight)SuitableforFeaturesSingleroom&

27、#163;40StaffofallgradesTwinroom£55SalesstaffDelphosSuite£150ManagerialstaffMoreluxurious;privateterrace;convenientforentertainingprivateguests;viewoverthelakeBellaVistaPenthouse£220CompanyDirectorandhiswifeTotalluxury+totalprivacy;abalcony;viewoverthewholecountryside;alargesittingroom

28、;astudy;afully-fittedkitchenPartVA.NamesofthehotelsLocationsRanksingeneralcategoryHelekulaniHonolulu,d'EsteCernobbio,FranceItaly23TheOrientalBangkok,Thailand32TheGreenbriarWestVirginia,HotelRitzLoudon,UKParis,FranceTheRegenHongKongHongKong,ChinaTheFourSeasonsResortNeviwCharlestown,WestIndiesPart

29、 nPart mA. Outline1. The importance of credit cards3 "Planting ” MoneyNationalTeachChildrentoSaveDaySubjects:elementaryschoolchildrenacrossthecountryTime:Thursday,April17Sponsor:AmericanBankersAssociationEducationFoundationurpose:teachingchildrenhowtosavemoney2. NatureA. "charge”-payingata

30、laterdateB. ”limit”3. ThepotentialdisadvantagesexpensiveA. easytomakelotsofpurchasesoncardB. likelytopayatremendousamountofinterest4. ThebenefitsA.indispensableinlifeB.helpfulforemergenciesC.goodfortravelD.insuringpurchasePartIVExercise2:Answerthefollowingtwoquestions.1. Whatdoes“spendingpriorities”

31、refertoaccordingtoProfessorFrank“Spendingpriorities”referstothefollowingsituation:Americansarespendingsomuchoftheirincomeoneverlargerhousesandcarsthattheycantaffordtospendonsocialprogramsorinfrastructurerepairs.2. WhataretheadvantagesofworkingfewerhoursandspendingmoretimewithfamilyandfriendsBydoings

32、o,onewouldfeelhappier,wouldhavefewerdisputesofworkandlowerlevelsofstresshormonesintheirblood,Onegetssicklessoftenanddiesatanolderage.PartVA. ListentoareportrecentlyreleasedbyafamousLondonresearchgroupaboutthecostoflivingaroundtheworld.Listtheworlds10mostexpensivecities.Tokyo,Osaka,Oslo,Zurich,HongKo

33、ng,Copenhagen,Geneva,ParisReykjavik,LondonB. Listenagain.Answerthefollowingquestions.1. WhatcausedtheslippingdownoftheUScitiesTheeurohasappreciatedagainsttheUSdollar.2. WhatcausedtheslippingdownofLatinAmericancitiesPersistenteconomicturmoil.3. WhichcityremainstheworldscheapestcityTehran4. Howdoesthe

34、EconomistteamworkoutthislistTheEconomistteamcheckspricesofawiderangeofitemsfrombreadandmilktocarsandutilitiestocompilethisreport.5. WhatstheuseofthisreportforbusinessclientsBusinessclientsittocalculatetheamountofallowancesgrantedtooverseasexecutivesandtheirfamilies.4LoansfortheDreamPartIB.Listentoth

35、efollowingdialogues.Completetheexercises.Dialogueone:Ticktheexpenditureitemsmentionedbythespeaker.ItemsItemsCharitiesTheatreandotherartseventsEatingoutVStocksandsharesHobbies(DIY,sailing,etc.)VAntiquesVFoodandgroceriesVCarsDialoguetwo:Completethechart.Usetickstoindicatewhethertheexpendituresonthosei

36、temsareup,downorthesameaslastyear.Supplythefiguresmentioned.ItemsSameUpDownFiguresEntertainmentV2566DepreciationV300SecretarialexpensesV-MotorexpensesV2612Audit&accountancycostsVTelephone&postageVHalfasmuchaslastyearPartnA.Listentothedialogue.Takenotes.Thencompletethesummary.Summary:Mr.Jacks

37、onworksinthecollegewithagoodsalary.Ashisoldcaristoooldtobeworthrepairing,hewouldliketohaveanewerone.Sincehecangetaboutahundredpoundsfortheoldcar,hewantstoraisesomemoney,threehundredfiftytofourhundredoverdraft,fromthebank.Thebankmanagersuggeststwokindsofloanswithdifferentinterestratesandconditions:ap

38、ersonalLoanandanOrdinaryLoan.Mr.Jacksonisexpectedtorepaytomoneywithin24months.B.Nowtrythis:listentoamoreauthenticversionofthedialogue.Firstcompletethecharttoshowthedifferencesofthetwoloans.ThentrytofindtheEnglishequivalentsoftheChineseexpressionslisted.Securitychargedtothebank（useatickoracross）Inter

39、estratechargedInterestrateCalculatedonPersonalLoanx7%TheoriginalamounttakenOrdinaryLoanV%+6%）Aday-to-daybasis1. .透支额（贷款）：overdraft2. 偿还：repay3. 短期贷款（业务）：lendersintheshortterm4. 付利息：payintereston5. 担保物：collateral6. 寿险：lifepolicy7. 房屋的房契：deedsofthehouse8. 政府证券：GovernmentSecurities9. 凭证：certificate10.

40、接日计算：onaday-to-daybasisPartmA. Listentothematerial.Completetheoutline.Thengivetherightwordsaccordingtotheexplantions.Outline1. BuyingahouseA. costofhousing(1)1/4-1/3ofafamily'sincome(2)dependingonsizeandlocationB. waytobuyahousemortgage2. Livinginalandlord'shomeadvantagesA.cheaper8. easytoge

41、tthingsrepaired3. Buyingaapartmentcondominium*1. mortgage:bankloanrepaidinregularrepayments:2. condominium:anapartmentbuildinginwhichtheapartmentsareownedindividually.B. YouaregoingtohearapassageaboutacompanycalledFannieMae.Keepthefollowingquestionsinmindwhilelisteningandthencompletethemissinginform

42、ation.Question:1. Whatistherelationshipbetweenthehomebuyer,thebank,FannieMaeandtheinvestorsBorrowsmoneyfromHomebuyerBankFanhieMaesellsmortgagestosellssharesandmortgage-basedsecuritiesto.Investors2. HowmuchdoFannieMaeandFreddieMaecontrolintheAmericanhomeloanmarketTheycontrolabouthalfthehomeloansinAme

43、rica.3. WhatproblemsdoestheOfficeofFederalHousingEnterpriseOversightfindaboutFannieMaeHidingchangesinitsvalue,poorsupervisionandnotcarefullyreportingitsfinances.4. WhathappenstoFannieMaeaftertheproblemsarepublicizedThestockpriceofFannieMaehasdropped.PartIVA. Listentoaninterviewaboutconsumerrightsund

44、erEnglishlaw.Whilelisteningforthefirsttime,allmorekeywordsintheleft-handcolumn.Afterthesecondlistening,usekeywordstoanswerthequestions.NotesQuestionstheSaleofGoodsActtheTradesDescriptionsActcontractstraders1. Couldyoulistthethreemainobligationsoftradersa. merchantablequalityb. fittingforparticularpu

45、rpose/sellerc. asdescribed2. Ifyouhavecauseforcomplaint,woulditbeagoodideatosendtheitembacktothemanufacturerWhy/whynotWhatshouldyoudono/retailer'sresponsibility/taketoshop3. Inwhichcasemustthetradecollecttheitemfromyouifyouhaveacomplaintaboutititem/toolarge/fragile4. Asabuyer,whyshouldyoukeepthe

46、receiptevidenceofpurchase/dateofpurchase5. Whatcanyoudoiftheworstcomestotheworstgotocourt/suethesellerB. Statements1. Secondhandgoodsshouldalsobeofmerchantableandtopquality.2. Ifyouhavesufferedpersonalinjurybecauseoftheitemyou'vebought,youcansuethemanufacturer.3. Theretailerhastherighttosay“Nore

47、fundswithoutareceipt”.4. Goingtocourtisnotverycommonbecauseasaconsumer,itisverycostlyforyoutogetthemoneyback.PartVA. Beforeyoulisten,answerthefollowingquestions.1. Doyourparentspaypersonalincometax2. DoyouthinkitisagoodideaforonetopaypersonalincometaxWhyorwhynotB. Nowlistentoanewsreportabouttaxtimei

48、ntheUnitedStates.Thencompletethefollowingtwochartswithkeywords.Time/NumberEventsApril15ththelastdaytopayfederaltaxes1791taxonwhiskeyandotheralcoholicdrink,farmersrefused1794GeorgeWashington,13000troops,defeatedtheWhiskeyRebellionthelate1800speople'spaytaxedbyCongress,butrejectedbytheSupremeCourt

49、1913the16thAmendmentpassed,legalforCongresstotaxincomemorethan$312000taxedat35%,highestratelessthan$7000noincometax5BriefingonTaxationandInsurancePoliciesPartIGettingreadyC. Listentofivesentences.Writedownthenumbersdescribedandthekeywordsthathelpyougettheanswer.Example:Youwillhear:Ourlastclaimwasfor

50、£2000,butthisonewillbethreetimesthat.Pleasewritedown:Keywords:2000/threetimesAnswer:6000SentencesKeywordsAnswersa8000/half4000b2000/twice4000c2000/double4000d8000/aquarter<2000e4000/similer4000D. Listentothefollowingdialogues.Completetheexercises.Dialogueone:Completethestatements.1. Themanea

51、rnsabout£30000withbonusesand24%ofhisincomegoesintax.2. Hiswifeworksaswellbecausethey'retryingtocleartheiroverdraft.3. Theirmoneymainlygoesonfoodandhobbies,suchassailingandriding.Dialoguetwo:Answerthequestions.1. WhatwasstolenyesterdayAbrandnewvideowasstolen.2. WasitinsuredHowdoyouknowYes.Th

52、espeakerpaidthepremiumlastweek.Dialoguethree:Completethechart.SimilaritiesDifferencesManAManBa. Afamilytosupportb. Amortgagetopayc.Sameincomea. Acottageinthecountryb. Neversavingmoneyc. Spendingmoreonentertaininga. Investingfarmoreinpensionschemesb. SpendingmoreoninsurancePartn.A.Thefollowingisthetr

53、ansparencyforthepresentation.Listencarefullyandcompletethefollowingoutline.Payspecialattentiontothenumbers.Outline1. StructureofpersonaltaxationA. rates1. lowerrate:upto£23700:25%2. higherrate:above£23700:40%B. allowances1. singleperson:£32952. marriedperson:£50153. pension:maxim

54、um%to40%4. mortgageinterestrelief:7%2. CollectionofpersonaltaxA. incometaxPAYEB. NationalInsurance1. employeescontribution:9%2. employerscontribution:5%to10%.8. Nowlistenagain.Completethefollowingstatements.1. Accordingtothespeaker,UKpersonaltaxationisbothsimpleandrelativelylow.2. Thenewlegislationr

55、ecentlyintroducedbythegovernmentisthatmarriedcouplescanoptforseparatetaxation.3. Thetaxreliefona65-year-oldmanspensionis40%.4. PAYEstandsforPayAsYouEarn.Theschememeansthetaxiscollecteddirectfromtheemployerbeforehemakesoutthemonthlysalarycheckorbanktransfertotheemployee.5. Taxableincomemeanstheincome

56、inwhichthedeductionandtheallowancehavebeenexcluded.PartmA. Listentothedialogue.Writedownthekeypoints.Thencompletetheparagraph.Mr.Jacksonisinterestedintakingoutaninsurancepolicybecausehesbeentoldthatitisagoodwaytosavemoney.Hewouldliketohavealumpsumformovingaway,buyingahouseorsomethinglikethatwhenheretires.B. Nowtrythis:listentoamoreauthenticversionofthedialogue.Answerthequestionswithkeywords.1. Accordingtotheinsurancesalesman,whatarethetwowaystodecidehowmuchoneshouldpaytobuyaninsurancepolicy