大学核心商务英语读写教程3Unit9PersonnelFinancialManagement

大学核心商务英语读写教程3Unit9PersonnelFinancialManagementObjectivesTogetfamiliarwithbankingandinsuranceToknowsomethingaboutbankingandinsuranceTolearnnewwordsandexpressionsTomasterhowtoanalyzedifficultandlongsentences1.BackgroundInformation2.IntroductiontotheText3.BusinessTerms4.WordsandExpressions5.NotestotheTextTextAUsingOnlineBanking,ProsandConsPersonalFinancialManagementismandatoryintoday’sworld.Itprovidesthemeansofkeepingtrackofpersonalexpenses,personaldebtandsubsequentlyhelpsthecalculationofaperson'snetworthfinancially.Justasthesayinggoes,“Evenifyou'reanavigationalgenius,it'shardtofigureouthowtogetsomewherewhenyoudon'tknowwhereyouare.1.BackgroundInformation

ThemeoftheTextThisunitisaboutpersonnelfinancialmanagement.Personalfinancialmanagementismandatoryintoday’sworld.Itprovidesthemeansofkeepingtrackofpersonalexpenses,personaldebtandsubsequentlyhelpsthecalculationofaperson'snetworthfinancially.TextAshowsusonlinebanking,itsprosandcons.2.IntroductiontotheText

本商务语篇为关于网上银行的说明文，从两个方面具体介绍了使用网上银行的利弊。文中涉及的商务语言准确、确凿、严谨、言简意赅、没有冗长的解释，符合人们商务英语使用过程中希望节省时间提高效率的要求。文中多用简洁、易懂、缩略词，修饰语少，内容上直截了当。文中还使用大量的新词语，随着科学的进步和工商业的发展，随之而来的就是新的商务术语的增加。本语篇的这些文体特征使读者清晰、准确地掌握了网上银行的利与弊。文体特征分析2.IntroductiontotheText

Onlinebanking(orInternetbanking)allowscustomerstoconductfinancialtransactionsonasecurewebsiteoperatedbytheirretailorvirtualbank,creditunionorbuildingsociety.Onlinebanking网上银行3.BusinessTerms

⑴accessibility/æk.sesi'biliti/n.ereMeaning4.WordsandExpressionsExamplethequalityofbeingathandwhenneeded;theattributeofbeingeasytomeetordealwith

TheaccessibilitytoLearningEnglishoverInternet英语网络学习的易接触性

(2)outweigh/aut'wei/v.ereMeaning4.WordsandExpressionsExamplebeheavierthan;tobegreaterormoreimportantthansomethingelse

Thebenefitsoutweightherisks.利益大于风险。

(3)eliminate/i'limineit/v.ereMeaning4.WordsandExpressionsExampletoremoveortakeaway；todefeatsomeonesothattheycannotcontinueinacompetition

Wecaneliminatehimasasuspect.我们可以排除对他的嫌疑。

(4)receipt/ri'si:t/n.ereMeaning4.WordsandExpressionsExampletheactofreceiving;anacknowledgment(usuallytangible)thatpaymenthasbeenmade

Depositreceipt存款收据Receipt,please请拿发票。Cargoreceipt货运收据

(5)discrepancy/dis'krepənsi/n.ereMeaning4.WordsandExpressionsExampleadifferencebetweenconflictingfactsorclaimsoropinions;aneventthatdepartsfromexpectations

Manyreasonsforthisdiscrepancyarediscussedinthischapter.本章还讨论了两者矛盾的一些原因。

(6)register/'redʒistə/v.ereMeaning4.WordsandExpressionsExamplerecordinwriting;enterintoabookofnamesoreventsortransactions;recordinapublicofficeorinacourtoflaw

registerthestudents给学生注册VisitorsPleaseRegister来宾登记

(7)navigate/'nævi.geit/n.&v.ereMeaning4.WordsandExpressionsExamplesailalong,overorthrough;tobrowse;

todirectthewaythataship,aircraft,etc.willtravel,ortofindadirectionacross,alongoroveranareaofwaterorland,oftenbyusingamap

ThefirstwomantonavigatetheAmazonalone.

第一个独自在亚马孙河上航行的女子。Pleasetrytoclickotherlinkthroughournavigatebar.请根据本页的导航栏尝试其它连接。

ereMeaning4.WordsandExpressionsExample对…自信Onehastobeconfidentinhimself.

一个人一定要对自己有信心。

(8)beconfidentinereMeaning4.WordsandExpressionsExample改变主意Ihavehalfamindtochangeourmaidandseeifwecangetabetterone.我有点想换一个女仆，看能否找到一个好点的。

(9)changeone’smindereMeaning4.WordsandExpressionsExample花点时间做…Relax.Itwillnottakeaminutetodriveyouthere.放心吧!很快就可以把您送到那里的。Iwanttotakeaminutetothankthekeynotespeakers,Mr.SmithandMr.Williams.我想用短短的时间向基本方针演讲者史密斯先生与威廉斯先生表示感谢之意。

(10)takeaminutetodo…ereMeaning4.WordsandExpressionsExample可能性是…Chancesarethatfirmsfromacrossthecountryoilcometocompeteforthecontract.很可能全国各地的公司都会来争订这个合同。

(11)chancesarethat…

[解析]

本句是简单句，主语是theconvenience，谓语是has，宾语是appeal，介词短语ofbeingabletohandleyourfinances作主语的后置定语，介词短语fromthecomfort作状语，ofyouownhome作comfort的后置定语，介词短语atanytimeofthedayornight作状语，that引导的从句作thedayornight的后置定语。

1.Theconvenienceofbeingabletohandleyourfinancesfromthecomfortofyouownhomeatanytimeofthedayornightthatyoupleasedefinitelyhasappeal.（Para.1）5.NotestotheText[释义]Yettherearecriticsofonlinebanking.Theyseeonlinebankingasdangerousorimpersonalandpreferthemoretraditionalmethods.[解析]

本句是简单句,that引导的定语从句修饰主语critics，critic意为：批评家,评论家，例如：Anobjectivecritic客观的评论家；amusicalcritic一位乐坛评论家。2.Yettherearecriticsofonlinebankingthatseeitasdangerousorimpersonalandpreferthemoretraditionalmethods.（Para.1）5.NotestotheText[释义]Thereexistbothconvenienceoraccessibilityanddisadvantagesofonlinebanking.Formanypeopletheconvenienceandaccessibilityofonlinebankingoutweighsthedisadvantages.

[解析]

本句是简单句,句子的主语是theconvenienceandaccessibility,that引导主语的定语从句，句子的谓语outweighs，宾语是disadvantages，后面that引导的是宾语的定语从句。3.Formanytheconvenienceandaccessibilitythatonlinebankingprovidesfaroutweighsanydisadvantagesthatexist.（Para.2）5.NotestotheText[解析]

本句是主从句,主句是Therebe句型，that引导的从句作主语possibility的同位语从句，解释、说明其内容，句中between…and…意为：在...和...之间，例如：betweenlabourandcapital劳资之间。

4.Whenyouuseonlinebankingthereisalwaysthepossibilitythattherecouldbediscrepanciesbetweenwhatisdoneonlineandwhatregistersatyourlocalbranch.（Para.5）5.NotestotheText[释义]Onlinebankingisnotforeveryone.Thusyouwillcontinuetoseemoreandmorefinancialestablishmentsbuildnewofficebuildingsandoffermoreandbetterservicestotheircustomers.Thesecustomerspreferamorepersonalapproachtotheirbanking.[解析]

本句是并列句,第一个并列的分句是简单句；在第二个并列的分句中who引导的定语从句修饰其前面的theircustomers。5.Onlinebankingisnotforeveryoneandthusyouwillcontinuetoseemoreandmorefinancialestablishmentsbuildnewofficebuildingsandoffermoreandbetterservicestotheircustomerswhopreferamorepersonalapproachtotheirbanking.（Para.8）5.NotestotheText1.BackgroundInformation2.IntroductiontotheText3.BusinessTerms4.WordsandExpressions5.NotestotheTextTextBInsuranceinYourFinancialPlan

Infact

financialplanningisfarfrommysterious,andfamilyiscloselyrelatedtosuchpersonalfinancialservicesintheseventiesandeightiesoflastcentury.Ithasbeenmoredevelopedintheinternationalcityhasamaturemarket.Financialmanagementforclients,clientassetsaremainlybasedonthesituationandriskpreference,focusoncustomerneedsandgoals,to"helpcustomers"asthecoreideaoftakingasetofstandardpattern,toprovidecustomerswithallaspectsinvolvedinthefulllifefinancialadvice,andcallsavings,suchasinsurance,stocks,bonds,funds,trustsandotherfinancialproducts.Financialplannerlookforoneofthemostsuitablecombinationoffinancialmanagementtoensurethepreservationandappreciationofitsassetsforcustomers.

1.BackgroundInformation

ThemeoftheTextThisunitisaboutpersonnelfinancialmanagement.Personalfinancialmanagementismandatoryintoday’sworld.Itprovidesthemeansofkeepingtrackofpersonalexpenses,personaldebtandsubsequentlyhelpsthecalculationofaperson'snetworthfinancially.TextBgivessomesuggestionsoninsuranceinfinancialplan.

notifications.2.IntroductiontotheText

本商务语篇是以说明文体为主的商务报道，介绍了财政计划中的保险，并分别说明了几种险种。本商务语篇与保险业密切相关,多用专业词汇。而且，本文多用陈述句表示委婉的祈使语句，这体现了礼貌原则，表示对对方的尊重和理解，使对方容易接受自己的主张，从而接受保险这种理财方式。文体特征分析2.IntroductiontotheText文中涉及的商务语言清晰准确，行文简洁，用语礼貌正式的特点。商务英语语言的最显著的特点就是它是商务实践、商务理论知识的载体,用词具有明显的专业性。Inlawandeconomics,insuranceisaformofriskmanagementprimarilyusedtohedgeagainsttheriskofacontingent,uncertainloss.Insuranceisdefinedastheequitabletransferoftheriskofaloss,fromoneentitytoanother,inexchangeforpayment.Aninsurerisacompanysellingtheinsurance;aninsuredorpolicyholderisthepersonorentitybuyingtheinsurancepolicy.Theinsurancerateisafactorusedtodeterminetheamounttobechargedforacertainamountofinsurancecoverage,calledthepremium.insurance保险3.BusinessTerms

Inaninsurancepolicy,thedeductibleistheportionofanyclaimthatisnotcoveredbytheinsuranceprovider.Itistheamountofexpensesthatmustbepaidoutofpocketbeforeaninsurerwillcoveranyexpenses.ThefirstcommercialinsurancedeductiblewasintroducedbyNormanBagliniin1952.Typically,ageneralruleis:thehigherthedeductible,thelowerthepremium,andviceversa.Deductible免赔额3.BusinessTerms

⑴sound/saund/adj.ereMeaning4.WordsandExpressionsExamplefinanciallysecureandsafe;exercisingorshowinggoodjudgment;ingoodcondition;freefromdefectordamageordecay;inexcellentphysicalcondition

Soundquality完好的质量soundinvestments合理投资asoundeconomy保险经济

（2）disability/disə'biliti/n.ereMeaning4.WordsandExpressionsExampletheconditionofbeingunabletoperformasaconsequenceofphysicalormentalunfitness;anillness,injuryorconditionthatmakesitdifficultforsomeonetodothethingsthatotherpeopledo

Physicaldisabilitycausesmentalanguish.生理伤残会引起心理苦闷。

Blindnessisaveryseriousdisability.失明是非常严重的残疾。

（3）virtual/'və:tjuəl/adj.ereMeaning4.WordsandExpressionsExamplealmostaparticularthingorquality;beingoractingaswhatisdescribed,butnotacceptedassuchinnameorofficially

avirtualimpossibility一件实际上不可能的事Ourdeputymanageristhevirtualheadofthebusiness.我们的副经理是公司的实际负责人。（4）liability/laiə'biliti/n.ereMeaning4.WordsandExpressionsExamplethestateofbeinglegallyobligedandresponsible;anobligationtopaymoneytoanotherparty

Assigningtaxliability

指派纳税义务Contractualliability/obligation合同规定的义务（5）substantial/səb'stænʃəl/adj.ereMeaning4.WordsandExpressionsExamplefairlylarge;havingsubstanceorcapableofbeingtreatedasfact;notimaginary;ofgoodqualityandcondition;solidlybuilt

substantialincontent内容充实havesubstantialcontent有丰富的内容asubstantialargument重要的论证

（6）commute/kə'mju:t/v.ereMeaning4.WordsandExpressionsExampletravelbackandforthregularly,asbetweenone'splaceofworkandhome;travelbackandforthregularly,asbetweenone'splaceofworkandhome

Peopleneedalternatewaystocommute.人们需要可交替的方式来通勤。（7）constraint/kən'streint/n.ereMeaning4.WordsandExpressionsExample

theactofconstraining;thethreatoruseofforcetocontrolthethoughtsorbehaviorofothers

Hefeltconstraintinherpresence.他在她面前显得局促不安。

（8）deplete/di'pli:t/v.ereMeaning4.WordsandExpressionsExampletoreducesomethinginsizeoramount,especiallysuppliesofenergy,money,etc.;useup(resourcesormaterials)

Mankindmusttakecarenottodepletetheearthofitsnaturalresources.人类必须注意，切莫耗尽地球上的自然资源。

ereMeaning4.WordsandExpressionsExample供给某人…Tocoverwithinsurance.为…保险Tocoverwitharmor.用装甲保护(9)cover…with…ereMeaning4.WordsandExpressionsExample记住Youmustconstantlykeepinmindthathastemakeswaste.你必须常记“欲速则不达”这句谚语。

(10)keepinmindereMeaning4.WordsandExpressionsExample争取，追求，设法Statesseektobecomestrongerthroughalliance.各国力求通过结盟而更加强大。(11)seekto[解析]本句是简单句,句子的主语是differenttypesofinsurance，句子的谓语是protect，意为：保护；投保，例如：Lawsprotecttheenjoymentofourrights.法律保护我们享有权利。句子的宾语是youandyourlovedones。

1.Differenttypesofinsuranceprotectyouandyourlovedonesindifferentwaysagainstthecostofaccidents,illness,disability,anddeath.（Para.1）5.NotestotheText[解析]本句是简单句,句子的主语是autoinsurance，句子的谓语是protect，意为：保护，句中from…to…表示范围，例如：FromRecordtoDocumentation从展示到纪录；From2%to5%从2%到5%。

2.Autoinsuranceprotectsyoufromdamagetotheoftenconsiderableinvestmentinacarand/orfromliabilityfordamageorinjurycausedbyyouorsomeonedrivingyourvehicle.（Para.3）5.NotestotheText[解析]本句是简单句,句子的主语是thecostofautoinsurance，句子的谓语是varies，现在分词短语dependingon…作状语，意为：取决于；依赖，例如：Dependingonthetypeofvirus,itcansimplyclogupmemoryor,evenworse,erasedata.根据病毒的类型，它可以简单的阻碍计算机的存储，甚至更糟，删除数据。3.Thecostofautoinsurancevariesgreatly,dependingonthecompanyandagentofferingit,yourchoiceofcoverageanddeductible,whereyoulive,thekindofvehicle,andtheagesofdriversinthefamily.（Para.5）5.NotestotheText[解析]本句是主从句,when引导的是时间状语从句。

4.Along-termdisabilitypolicycanhelptoreplaceaportionofyourlostincome,whenyouareunabletoworkforanextendedperiod.（Para.6）5.NotestotheText[解析]本句是简单句,句子的主语是insurance，动词不定式tocoverthehighcost作主语的后置定语，介词短语ofnursinghomeorat-homehealthcare作名词cost的后置定语，句子的谓语是isbecomingmorewidespread。5.WithanagingpopulationanduncertaintyaboutthefutureofSocialSecurity,insurancetocoverthehighcostofnursinghomeorat-homehealthcareisbecomingmorewidespread.（Para.8）5.NotestotheText1.BackgroundInformation2.IntroductiontotheText3.BusinessTerms4.WordsandExpressions5.NotestotheTextTextCHowtoBeaBillionaire

Whatdoesittaketogetthatrich?Arebillionairescompletelydifferentfromyouandme?OverthelastfiveyearstheChinaMarketResearchGroupinterviewedrealestatetycoonsinChina,InternetpioneersintheU.S.,conglomeratetycoonsinIndiaandretailheirsinEurope.Inall,weinterviewedaboutadozenbillionairesandseveraldozenpeopleworthmorethan$100million.Whilealmosteveryoneweinterviewedsaidluckandtimingplayedaroleintheirsuccess.Mostofthetrulyrich,perhapssurprisingly,arenotthatdifferentfromyouandme.1.BackgroundInformation

ThemeoftheTextThisunitisaboutpersonnelfinancialmanagement.Personalfinancialmanagementismandatoryintoday’sworld.Itprovidesthemeansofkeepingtrackofpersonalexpenses,personaldebtandsubsequentlyhelpsthecalculationofaperson'snetworthfinancially.TextCintroducesthreesecretswhichhelpthetrulyrichgettowheretheyare.2.IntroductiontotheText

本语篇为一则商业评论，结构逻辑合理，意义连贯。本文围绕一根主线展开，包括三个部分,运用“问题一解决型(Problem一SolutionPattern)，即先综合后分析的语篇思维模式。文体特征分析2.IntroductiontotheText文中涉及的商务语言准确、确凿、严谨、言简意赅、没有冗长的解释，这一特点是由商务交际的性质决定的,因为国际商务交际非常讲究效益、效率，使用常用的词语便于交易双方的理解和接受；修饰语少，内容上直截了当。Abillionaire,incountriesthatusetheshortscalenumbernamingsystem,isapersonwhohasanetworthofatleastonebillionunitsofacurrency,usuallytheUnitedStatesdollar,Euro,orPoundsterling.ForbesmagazineupdatesacompletelistofU.S.dollarbillionairesaroundtheworldeveryyear.Therewere1,011officiallyknownshortscalebillionairesintheworldasof2010.Billionaire亿万富翁3.BusinessTerms

Conglomerateswerepopularinthe1960sduetoacombinationoflowinterestrate(s)andarepeatingbear/bullmarket,whichallowedtheconglomeratestobuycompaniesinleveragedbuyouts,sometimesattemporarilydeflatedvalues.Aslongasthetargetcompanyhadprofitsgreaterthantheinterestontheloans,theoverallreturnoninvestment(ROI)oftheconglomerateappearedtogrow.Also,theconglomeratehadabetterabilitytoborrowinthemoneymarket,orCapitalmarket,thanthesmallerfirmattheircommunitybank.Conglomerate企业集团3.BusinessTerms

⑴optimism/'ɔptimizəm/n.ereMeaning4.WordsandExpressionsExampletheoptimisticfeelingthatallisgoingtoturnoutwell;ageneraldispositiontoexpectthebestinallthings

Optimismisanintellectualchoice.乐观是明智的选择。（2）revenue/'revinju:/n.ereMeaning4.WordsandExpressionsExampletheentireamountofincomebeforeanydeductionsaremade;governmentincomeduetotaxation

monopolyrevenue

专卖收入extra-budgetaryrevenue预算外收入falsefiscalrevenue

财政虚假收入

（3）critical/'kritikəl/adj.ereMeaning4.WordsandExpressionsExamplemarkedbyatendencytofindandcallattentiontoerrorsandflaws;urgentlyneeded;absolutelynecessary;formingorhavingthenatureofaturningpointorcrisis;decisive；crucial

criticalphase危险期criticaljuncture严重关头criticalintroduction评论性的引言（4）mortgage/'mɔ:gidʒ/n.ereMeaning4.WordsandExpressionsExamplesumofmoneylentbyabuildingsociety,bank,etc.forbuyingahouseorotherproperty;aconditionalconveyanceofpropertyassecurityfortherepaymentofaloan

OnMortgageofOwner论所有人抵押权FederalNationalMortgageAssociation联邦国民抵押协会（5）conglomerate/kɔn'glɔmərit/n.ereMeaning4.WordsandExpressionsExampleacompanythatownsseveralsmallerbusinesseswhoseproductsorservicesareusuallyverydifferent;

agroupofdiversecompaniesundercommonownershipandrunasasingleorganization

ThefirmhasbeentakenoverbyanAmericanconglomerate.该公司已被美国一企业集团接管。（6）self-made/'self'meid/adj.ereMeaning4.WordsandExpressionsExamplehavingachievedsuccessorrecognitionbyyourownefforts