点击职业英语 职业英语模块 实金融英语 课件全套1-8 1 The Fascinating History of Finance - The New Era of Finance

实用金融英语点击职业英语职业英语模块新世纪高等职业教育行业英语类课程规划教材Unit1TheFascinatingHistoryofFinancePartⅠ

ChatFreelyPartII

ReadDeeplyPartIII

PracticeMorePartIV

WorkActively

Atacampuscoffeeshop,Mia,afinal-yearfinancestudent,looks

troubled.Zoe,analumnaworkingintheindustry,sitsacrossfromher.ThePlanAfterGraduation:SalaryorInterest?Mia:Zoe:Mia:Zoe:Zoe,I’mreallytornbetweentwojoboffers.Couldyouhelpmefigureoutwhattodo?Ofcourse!Whatarethetwooptions?Oneisatalargecommercialbank.Thestartingsalaryisslightlyhigher,andthere’saclearcareerpath.Theotherisatafintechstart-up.Thepayisabitlower,andI’mworriedabouttheuncertainty.Igetthat.Astablejobgivesyoupeaceofmind,butpassionoftenleadstobiggergrowthinthelongterm.翻译Mia:Zoe:Mia:Zoe:Mia:Ileantowardsthestart-up,butwhatifthecompanystruggles?Andwithrentandlivingcostsgoingup,I’mscaredalowersalarywon’tcovermybills.Asafejobmightfeelcomfortablenow,butyoucouldlosemotivationovertime.Uncertaintypushesyoutolearnconstantly,andforyoungpeople,buildingskillsismorevaluablethanmoney.Ialsoworryaboutmyparents.TheypreferthestablejobandhopeIcanfollowtheiradvice.Youcancommunicatepatientlywiththemandproveyourchoiceisresponsible,notjustimpulsive.Soyou’resayingIshouldn’tletfearofriskormoneystressstopmefromdoingwhatIlove?翻译Zoe:Mia:Zoe:Mia:Exactly.Aslightlyhigherpaycheckcan’tcompensateforthelackofpassionandloveinyourwork.Thatmakessense.IthinkI’lltakethestart-uproleandseewhereittakesme.That’sasmartchoice.Takingcalculatedrisksispartofbuildingameaningfulcareer.Thanksfortalkingmethroughthis.Ifeelmuchmoreconfidentnow.Anytime!Trustyourselfandloveyourselffirst.Youmatter.翻译

（校园咖啡馆里。大四金融系学生米娅一脸烦恼。已经入行的校友佐伊坐在她对面。）毕业之后的规划：薪资还是兴趣？米娅:佐伊:米娅:佐伊:佐伊，我在两份工作之间特别纠结，你能帮我拿个主意吗？当然可以！是哪两份工作？一份是大型商业银行，起薪稍高，职业路径也很清晰；另一份是金融科技初创公司，薪水低一点，我也担心它不稳定。我懂。稳定的工作让你安心，但兴趣往往能让你在长期里获得更大的成长。返回

（校园咖啡馆里。大四金融系学生米娅一脸烦恼。已经入行的校友佐伊坐在她对面。）毕业之后的规划：薪资还是兴趣？米娅:佐伊:米娅:佐伊:米娅:我其实更倾向初创公司，但万一公司经营困难怎么办？而且房租和生活费都在涨，我怕低薪水不够花。安稳的工作现在看起来舒服，但时间久了你可能会失去动力。不确定性会逼着你不断学习，对年轻人来说，积累能力比金钱更重要。我还担心我父母，他们更希望我找稳定的工作，希望我听他们的话。你可以耐心和他们沟通，证明你的选择是负责任的，而不是一时冲动。所以你的意思是，我不应该因为害怕风险、担心钱的问题，就放弃自己喜欢的事？返回

（校园咖啡馆里。大四金融系学生米娅一脸烦恼。已经入行的校友佐伊坐在她对面。）毕业之后的规划：薪资还是兴趣？佐伊:米娅:佐伊:米娅:佐伊:没错。一份稍高的薪水，无法弥补工作中没有热情和热爱的遗憾。有道理。我决定接受初创公司的工作，看看未来会怎样。这个选择很明智。学会有分寸地冒险，是打造有意义职业生涯的一部分。谢谢你帮我理清思路，我现在自信多了。不客气！相信自己，先学会爱自己。返回QuickNotesgraduation/ˌgrædʒuˈeɪʃn/n.毕业；毕业典礼salary/ˈsæləri/n.薪水finance/ˈfaɪnæns/n.金融；财务alumna/əˈlʌmnə/n.女校友（单数）torn/tɔ:n/adj.难以抉择的；左右为难的offer/ˈɒfə(r)/n.录取通知；提议benefit/ˈbenɪfɪt/n.

好处；福利fintech/ˈfɪntek/n.金融科技（financial+technology的合成词）start-up/ˈsta:tʌp/n.刚成立的公司stable/ˈsteɪbl/adj.稳定的cover/ˈkʌvə(r)/v.足以支付；够付motivation/ˌməʊtɪˈveɪʃn/n.动力；积极性constantly/ˈkɒnstəntli/adv.不断地；经常地responsible/rɪˈspɒnsəbl/adj.负责的；有责任的QuickNotesimpulsive/ɪmˈpʌlsɪv/adj.冲动的compensate/ˈkɒmpenseɪt/v.补偿；赔偿makesense有道理；讲得通calculated/ˈkælkjuleɪtɪd/adj.精心策划的；蓄意的Task1QuickDiscussion

IfyouwereMia,wouldyouchoosetoworkforabettersalaryorworkforyourinterests?Why?Discussthequestionwithyourgroupmembersandgivethreereasonstosupportyourgroup’schoice.Task1Task2Recitetheabovedialogueandrole-playitwithyourpartner.

Canyouimaginewhatmoneywilllooklike500yearsfromnow?Willwestillusecoins,bills,digitalwallets,orwillitbesomethingcompletelydifferent,likeAIorblockchain?InterestSparkWhenPiaohaoMetWallStreet:AFinancialDialogueThroughTime

FinanceinChinaandtheWesthasdevelopedinverydifferentways.Thishascreatedtwouniquesystemswithdifferentrootsandlogics.

Understandingthesedifferencesiskeytograspingmodernfinance.Itshowsushowhistoryshapestoday’smoneyworld.翻译

TheWesternPath:Laws,Contracts,andPrivateMoney

Westernfinancestartedwithtradeandstrictlaws.FromtheearlylendingoftheSumerianstotheBabylonianlawsthatcontrolledinterest

rates,thefocuswasonlegalprotection.

InancientGreeceandRome(correspondingtoChina’sSpringandAutumnPeriodtotheHanDynasty),private

banks,credit,andstandard

coinsgrewfasttosupportcitydevelopment.Thekeypartswerecontracts,private

property,andthedriveforprofit.

DuringtheMiddleAges(correspondingtoChina’sSui,Tang,Song,YuanandearlyMingdynasties),EuropeanbankingfamiliesliketheMediciinventednewtools,suchasbills

of

exchange.Later,stock

exchangesandjoint-stock

companiesappeared,allowingpublic

investment.翻译

Thiscreatedasystemdrivenbymarketcompetitionandprivatecapitalgrowth.Itlaidthesolidfoundationfortoday’smodernbankingandWallStreet.

TheChinesePath:StateControlandPersonalTrust

AncientChinatookadifferentandindependentroad.Earlymoneyincludedshells,followedbycoppercoinsandsilver.

Amajorachievementwasthe“piaohao”systembuiltbyShanximerchantsintheMingandQingdynasties.ThesegroupsworkedasChina’sfirstnationwidemoneytransferbanks.Theyplayedabigroleinmovingtax

moneyandbusinessfundsacrossthehugeempire.

UnliketheWest,Chinesefinanceusedfewerformallegalcontracts.Instead,itreliedmoreontrust,reputation,andmoralvalueswithinbusinessgroups.Thistraditionvaluedlong-termstabilityandsocialharmonyoverfast,uncontrolledmarketgrowth.翻译

IntegrationandtheFuture:BlendingTwoWorlds

Bythe19thcentury(correspondingtoChina’slateQingDynasty),thesetwosystemsstartedtoconnectandmixtogether.Today,thisprocessisspeedingupfast.

Bothareracingtowarddigitalization,wheremobile

payments,AI,andblockchaintechnologyarereshapingthefinancialworld.Westernfinancestillfocusesonmarketrulesandpersonalinnovation.

Chinesefinance,however,mixesitstraditionofstabilitywithrapidtechprogressandafocusonincludingeveryone.

TheFinalWord

Fromancienttimestothedigitalage,ChinaandtheWesthavedifferentfinancial“genes”.Yet,theysharethesamegoal:tomakethetradeeasier,boostprosperity,andimprovelives.翻译

Mixingthesetwotraditionswillsurelycreateasmarter,safer,andmoreinclusivefutureforglobalfinance.Andthemostexcitingchapter?Itiswaitingforyoutowriteit.

FoodforThought

Aswelooktothefuture,whatwillbethenextbigstepinfinance?WillitcomefromAI,blockchain,orsomethingtotallynew?Howwillthesechangesaffectthewaywesave,spend,andinvest?Let’skeepexploringandlearnmoretogether!翻译当票号遇见华尔街：一场跨越时空的金融对话

中西金融走了两条完全不同的发展道路。这造就了两个根脉各异、逻辑独特的金融体系。

理解这些差异，是把握现代金融的关键。它能让我们看清，历史如何塑造了今天的货币世界。返回

西方之路：法律、契约与私人资本

西方金融始于贸易与严格的法律。从苏美尔人的早期借贷，到巴比伦法典对利率的管控，核心始终是法律保护。

在古希腊罗马时期（对应中国的春秋至汉朝），私人银行、信贷和标准货币快速发展，为城邦繁荣提供支撑。其关键词是契约、私有财产和逐利精神。

中世纪（对应中国的隋唐、宋元及明初），以美第奇家族为代表的欧洲银行家发明了汇票等新工具。随后，证券交易所和股份公司相继出现，让公众投资成为可能。返回

由此诞生了一个由市场竞争和私人资本驱动的金融体系，为现代银行业和华尔街的崛起奠定了坚实基础。

中国之路：国家调控与人情信用

古代中国走出了一条截然不同的独立道路。早期的货币包括贝币，随后出现了铜钱和白银。

一个重大成就是明清时期山西商人创建的“票号”体系。这些商帮经营着中国最早的全国性汇兑机构，在庞大的帝国版图上承担着赋税调拨和商业资金流转的重任。

与西方不同，中国传统金融较少依赖正式的法律契约，而更多建立在商帮内部的信任、声誉和道德准则之上。这种传统追求长期稳定与社会和谐，而非放任自流的市场快速增长。返回

融合与未来：两种传统的交汇

到了19世纪（对应中国晚清时期），这两大体系开始接触交融。如今，这一进程正以前所未有的速度推进。

两者都在向数字化狂奔——移动支付、人工智能和区块链技术正在重塑金融版图。西方金融依然坚守市场规则与个人创新。

而中国金融则在延续其稳定传统的同时，将之与快速的技术进步和普惠包容的理念相结合。

写在最后

从古代到数字时代，中西金融有着截然不同的“基因”。然而，它们的目标却殊途同归：让交易更便捷，推动经济繁荣，改善人民生活。返回

这两种传统的交融，必将为全球金融创造一个更智慧、更安全、更包容的未来。而最激动人心的新篇章？正等待你去书写。

思考题

放眼未来，金融的下一个重大突破将是什么？会来自人工智能、区块链，还是某种全新的力量？

这些变化又将如何改变我们储蓄、消费和投资的方式？让我们继续探索，一起学习更多！返回WordCloudfinancial/faɪˈnænʃl/adj.金融的；财政的；财务的unique/juˈniːk/adj.独特的；罕见的；独一无二的grasp/graːsp/v.理解；领会；领悟；明白shape/ʃeɪp/v.塑造；决定……的形成；影响……的发展contract/ˈkɒntrækt/n.契约；合同；合约Sumerian/suˈmɪərɪən/n.苏美尔人；苏美尔语Babylonian/ˌbæbɪˈləʊnɪən/n.巴比伦人correspond/ˌkɒrəˈspɒnd/v.相当于；类似于dynasty/ˈdɪnəsti/n.王朝；朝代property/ˈprɒpəti/n.财产；房地产；不动产invent/ɪnˈvent/v.发明；创造investment/ɪnˈvestmənt/n.投资capital/ˈkæpɪtl/n.财富；财产；资产Vocabularyindependent/ˌɪndɪˈpendənt/adj.独立的；自主的copper/ˈkɒpə(r)/n.铜merchant/ˈmɜːtʃənt/n.商人；商家empire/ˈempaɪə(r)/n.帝国；大企业；企业集团moral/ˈmɒrəl/adj.道德的stability/stəˈbɪləti/n.稳定（性）；稳固（性）harmony/ˈhaːməni/n.

融洽；和睦；和谐；协调integration/ˌɪntɪˈgreɪʃn/n.结合；整合；一体化blend/blend/v.融合，协调innovation/ˌɪnəˈveɪʃn/n.创新；创造；改革digital/ˈdɪdʒɪtl/adj.数字的；计算机（网络）的；数码的gene/dʒiːn/n.基因prosperity/prɒˈsperəti/n.兴旺；繁荣；成功；昌盛WordCloudinclusive/ɪnˈkluːsɪv/adj.包容不同的人（或事物、观点等）的explore/ɪkˈsplɔː(r)/v.探索；探究WordCloudWordCloudmodernfinance现代金融interestrate利率privatebank私人银行standardcoin本位币privateproperty私有财产billofexchange汇票stockexchange证券交易（所）；股票交易（所）joint-stockcompany股份公司publicinvestment公共投资taxmoney税款mobilepayment移动支付PhrasesTip1职业核心素养KeyVocationalCompetencySelf-discipline:YourSuperpowerinFinance

Self-disciplineisn’tjustaboringrule—it’syoursecretsuperpowerinfinance.Itprotectsyourreputation,controlsrisks,andturnssmallwinsintolifelongsuccess.

Hereare8pillarsoffinancialself-disciplinetomaster:

•Emotionalself-discipline:Tamegreedandfear;neverchase“get-rich-quick”fantasies.

•Ethicalself-discipline:Stayhonest—trustisyourmostvaluableasset,anditcan’tbebought.返回

•Timeself-discipline:Plancarefully;avoidimpulsivetradesthatcostyoueverything.

•Riskself-discipline:Knowyourlimits;neverbetmorethanyoucanaffordtolose.

•Learningself-discipline:Marketschangefast—keeplearningtostayahead.

•Habitself-discipline:Builddailyroutinesforresearchandreview;consistencybeatsintensity.

•Goalself-discipline:Focusonlong-termgrowth,notshort-termdistractions.

•Accountabilityself-discipline:Ownyourchoices—everydecisionshapesyourfuture.

Infinance,self-disciplineiswhatseparatesamateursfromprofessionals.It’sthequietforcethatwillmakeyoustandoutinyourcareer.返回自律：你在金融领域的超级力量

自律不只是枯燥的规则——它是你在金融领域的秘密超级力量。它能守护你的声誉、控制风险，将小小的成功转化为终身的成就。

以下是需要掌握的八大金融自律支柱：

•情绪自律：克制贪婪与恐惧，永远不要追逐“快速致富”的幻想。

•道德自律：保持诚实——信任是你最宝贵的资产，且无法用金钱购买。

•时间自律：精心规划，避免让你损失惨重的冲动交易。

•风险自律：清楚自己的底线；永远不要下注超过你能承受的损失范围。

•学习自律：市场变化迅速——持续学习才能保持领先。

•习惯自律：建立每日研究与复盘的习惯，坚持胜过一时的努力。

•目标自律：专注长期成长，而非短期的干扰。

•责任自律：为自己的选择负责——每一个决定都在塑造你的未来。

在金融领域，自律是区分业余选手与专业人士的关键。它是一股默默的力量，让你在职业生涯中脱颖而出。返回Tip2TraditionalChineseCulture姜太公——中华金融智慧的奠基者大家熟知《封神演义》中姜太公钓鱼的传奇，却少有人知，他更是中国历史上最早的国家经济管理者，堪称中华金融制度的奠基人。据《汉书·食货志》记载，西周初年，姜太公为适应财政支付与市场交换需求，创立了“九府圜（huán）法”制度。他设立大府、泉府等九个官署，分工明确地管理国家财币；同时规定以黄金、铜、布帛为货币，统一了货币单位与规格，实现了早期的货币标准化。这一制度设计，彰显了中华文明在三千年前超前的经济智慧与治理能力，是我们独有的文化骄傲，也是世界金融史上东方文明的重要见证。

MatchtheChinesetermsontheleftwiththeirEnglishequivalentsontheright.VocabularyLinkingTask1结合；整合投资相当于；类似于创新；创造金融的；财政的correspondfinancialinvestmentintegrationinnovation本位币私人财产移动支付利率汇票billofexchangemobilepaymentprivatepropertyinterestratestandardcoin

TrytoexplainthewordsinColumnAtoyourgroupmembersinEnglish,andthenmatchthemwiththecorrespondingdefinitionsinColumnB.Word-explainingandMatchingTask2ColumnAColumnB1.shapeA.apersonwhosellsgoodstothepublic,especiallythroughastore2.graspB.anofficialwrittenagreement3.merchantC.athingorthingsthatareownedbysb.;apossessionorpossessions4.contractD.tohaveanimportantinfluenceonthewaythatsb./sth.develops5.propertyE.tounderstandsth.completely

Asafirst-yearcollegestudent,youreceiveamonthlylivingallowance(生活费)of1,500yuanfromyourparents.Inspiredbyyourfinanceclasses,youusedyourSpringFestivalluckymoneyandyourlivingallowancetoinvestinstocks.Thepriceroseatfirst,butyoudidn’tsell.Soonitdroppedsharply.Youcutlossesintime,butalmostallthemoneywasgone.

Nowyouhavenosavingsleft,andyournextallowanceisstilltwoweeksaway.Youhavenomoneyforfoodanddailyexpenses.

Discussthefollowingquestionswithyourgroupmembersandgiveapresentationtotheclass.

1.Howwillyousolveyourimmediatelivingproblem?

2.Howwillyoufaceandlearnfromthisinvestmentloss?ProblemSolving—TheFinancialCrisisTask3In-classActivity:WhatyouneedtoknowinfinanceReadingGainingTask4

HowShanxiMerchantsBuiltChina’sWallStreet200YearsAgo

InChinesefinancialhistory,twooutstandingmerchantgroupsachievedgreatsuccess:ShanximerchantsandHuizhoumerchants.Huizhoumerchantswerewell-knownfornationwidetradeandbusinessconnections,amongwhomHuXueyanwasthemostinfluentialandrespectedbusinessman.Hewashighlyrespectedforhishonestyandsenseofsocialresponsibility.

However,ShanximerchantsmadeahistoricbreakthroughinChina’searlybankingsystem.DuringtheMingandQingdynasties,long-distancebusinesswasextremelydifficultandrisky.Travelingwithheavysilverandcoppercoinswasnotonlytiringbutalsoverydangerous,asrobberieshappenedveryoftenontheway.Manybusinessmenlosttheirmoneyandeventheirlives.

Tosolvethisseriousproblem,Shanximerchantsinventedpiaohao—China’searliestnationalbanks.Thefirstandmostfamouspiaohao,Rishengchang,wasfoundedinPingyaoin1823byLeiLvtai,anoutstandingfinancialtalentfromShanxi.Thisnewsystemallowedmerchantstodepositmoneyinonecityandwithdrawitinanotherfarawaycity.Theyusedregularly-changingsecretcodestokeepmoneysafeandpreventcheating.

PingyaowastrulyChina’sWallStreet200yearsago,longbeforemodernWesternbankingsystemsfullydevelopedinAsia.Thepiaohaosystemwasbuiltontrustandreputation,notjuststrictwrittenrules.ItcoverednearlyallmajorcitiesacrossChinaandsupportedbusinessandtradeforhundredsofyears.

ThisbrilliantfinancialtraditionprovesthatChinahasalongandamazingfinancialhistory.Today,thewisdomofShanximerchantsstillinfluencesmodernmobilepaymentsandcreditsystems,makingeveryChinesedeeplyproud.1.WhatwasthemaindifficultyfortradersintheMingandQingdynasties?

A.Lowbusinessprofits.

B.Heavyandunsafemoneytransport.

C.Fewkindsofgoods.

D.Badroadconditions.2.Whichtwomerchantgroupsarementionedinthepassage?

A.ShanximerchantsandHuizhoumerchants.

B.BeijingmerchantsandShanghaimerchants.

C.GuangdongmerchantsandZhejiangmerchants.

D.SuzhoumerchantsandHangzhoumerchants.3.WhowasthemostfamousbusinessmanofHuizhoumerchants?

A.LeiLvtai.

B.HuXueyan.

C.Rishengchang.4.WhofoundedthefirstpiaohaoRishengchanginPingyao?

A.HuXueyan.

B.Agovernmentofficial.

C.LeiLvtai.

D.Aforeignbanker.5.Whatcanwelearnfromthepassage?

A.PingyaowasChina’sWallStreet200yearsago.

B.WesternbankingstartedearlierthanChinesebanking.

C.Huizhoumerchantsinventedthefirstbanks.

D.Carryingcoinswasthebestwaytotrade.After-classActivity:WhatyouneedtoknowbeyondfinanceCorrectValues—TheKeytoYourFinancialCareer

Manycollegestudentschoosefinancebecausetheyhopeforagoodfuture.Theylearnskillsaboutinvestment,bankingandwealthmanagement.Butfewrealizethatcorrectvaluesaremoreimportantthananyprofessionalknowledge.

Inthefinancialindustry,youwilloftenfacetemptationsofeasymoneyandhighprofits.Somepeopleforgettheirdutiesandmakewrongchoicesformoney.Theyputtheirowninterestsabovetheirclientsandevenbreakrules.Greedandlosingself-controlwillsoondestroytheircareers.

Financeisnotonlyaboutmoney.Itisabouttrust,responsibilityandhonesty.Clientsgiveyoutheirsavingsandfuture.Youmustprotectthemandservethemwithyourheart.Truesuccessmeanshelpingothers,notharmingthem.ExtensiveReading1

Correctvalueshelpyoutellrightfromwrong.Theykeepyoucalmwhenfacingwealth.Theymakeyouaresponsible,reliableandrespectedfinancialworker.Inthelongrun,goodvaluesbringyourealsuccessandhappiness.1.Whatismoreimportantthanprofessionalskillsinfinanceaccordingtothepassage?

A.Ahighsalary.

B.Correctvalues.

C.Aniceoffice.

D.Goodeducation.2.Whatmaydestroypeople’scareersinthefinancialindustry?

A.Honesty.

B.Responsibility.

C.Greedandwrongchoices.

D.Hardwork.3.Whatdoclientsgivetofinancialworkers?

A.Theirtrustandsavings.

B.Onlymoney.

C.Investmentplans.

D.Rules.4.Whatistruesuccessinfinance?

A.Makingquickmoney.

B.Helpingandprotectingclients.

C.Workingforhighprofits.

D.Choosinghigh-riskproducts.5.Whatcanbringyourealsuccessinthelongrun?

A.Temptations.

B.Goodvalues.

C.Easyprofits.

D.Highrisks.FivePracticalTipstoControlYourselfAgainstMoneyTemptations

Asafinancestudent,youwillfacestrongmoneytemptationsinyourfuturecareer.Lovingmoneyisnormal,butlosingcontrolcanruinyourlife.Herearefivesimpleandactionabletipstohelpyoustayself-disciplined.

Tip1:Whenyoufeelexcitedabouteasymoney,stopandcountto100slowly.Thiscoolsyourmindandstopsyoufromactingquickly.

Tip2:Askyourselfonequestion:Willthischoicehurtmyclientsorbreakrules?Ifyes,saynoatonce.

Tip3:Thinkaboutyourfuture.Asmallillegalprofitcanendyourcareerandbreakyourfamily’strust.

Tip4:Writedownyourmoralrulesandkeeptheminyourwallet.Readthembeforemakingbigdecisions.ExtensiveReading2

Tip5:Staywithhonestpeople.Ifyouavoidthosewhochasemoneyblindly,youwillfindself-controlmucheasier.

Thesesmalltipstrainyourminddaybyday.Theyhelpyoustaycalm,keepyourvalues,andbuildasafe,honestfutureinfinance.1.Whatcanyoudotocoolyourmindwhenfacingeasymoney?

A.Makeaquickdecision.

B.Countto100slowly.

C.Talkwithfriends.

D.Ignoretherules.2.WhatquestionshouldyouaskyourselfaccordingtoTip2?

A.HowmuchmoneycanIget?

B.Willthischoicehurtclientsorbreakrules?

C.HowfastcanIgetthemoney?

D.CanIkeepitasecret?3.Whatwillasmallillegalprofitbring?

A.Alongsuccessfulcareer.

B.Agoodreputation.

C.Dangertoyourfuture.

D.Moreopportunities.4.Whichtipsuggestspreparingmoralrulesinadvance?

A.Tip1. B.Tip2.

C.Tip3. D.Tip4.5.Whatisthepassagemainlyabout?

A.Waystomakemoremoney.

B.Practicaltipstocontrolyourselfagainsttemptations.

C.Howtofindhigh-riskinvestments.

D.Howtoworkwithclients.TaskOverview:AFinancialStoryVideoWorkingroupstomakeashortEnglishvideo.Chooseanyfinancialhistorystoryortopicfromaroundtheworld,andtellitclearlyinabout5minutes.TaskObjectives•Learnmoreaboutfinancialhistory.•PracticespeakingEnglish.•Improveteamworkskills.BasicRequirements1.GroupSize:3~5students.2.VideoLength:5minutes.3.Language:Allspeechesandvoice-overs(解说)mustbeinEnglish.4.Topic:anyfinancialhistorystory,personorevent(globalorChinese,e.g.WallStreet,banks,money,famousinvestors，etc.).5.Format:speech,role-playorshortdrama.6.Editing:YoumayusevideoeditingappssuchasCapCut(剪映)andInShottoedityourvideo.7.Participation:BothChineseandEnglishsubtitlesarerequired.8.Subtitles:Everygroupmembermustappearandspeakinthevideo.SimpleStructure1.Opening:Introduceyourgroupandtopic.2.Body:Tellyourfinancialhistorystory.3.Ending:Whatyoulearned+groupappearance.1.AssessmentCriteria

（1）StoryClarity

Cantheaudiencefollowwhathappened,whyithappened,andwhattheresultwas?

（2）Language&Delivery

IsEnglishclearenoughtounderstand?Dothespeakerssoundprepared(notjustreading)?

（3）Subtitles

ArebothChineseandEnglishsubtitlespresent?

（4）TeamParticipation

Doeseverygroupmemberappearandspeak?Isthespeakingtimebalanced?2.UsefulSentencePatterns

（1）TellingWhatHappened

Thestorybeganwhen...

Then,somethingunexpectedhappened...

Becauseofthis,priceswentup/downsharply.

Intheend,thecompanywentbankrupt/madeahugeprofit.

（2）ExplainingtheLesson

Thisstoryteachesusthat...

Onelessonwecanlearnis...

Today,peoplestillrememberthisbecause...实用金融英语点击职业英语职业英语模块新世纪高等职业教育行业英语类课程规划教材Unit1HowtheFinancialSystemWorksPartⅠ

ChatFreelyPartII

ReadDeeplyPartIII

PracticeMorePartIV

WorkActively

MiaishavingajobinterviewatPayEaseTech.Clara,theinterviewer,issittingacrossfromher.TheJobInterviewforaFinancialAnalystClara:Mia:Clara:Goodmorning!I’mClarafromPayEaseTech.WhydoyouwanttojoinourfintechteamasaJuniorFinancialAnalyst?Goodmorning!Ireallylikehowyourapphelpsyoungpeoplesavemoreeasily.Asafinancestudentwithdataskills,Ihopetoworkinafast-growingfintechcompanyandapplywhatI’velearnedtorealuserneeds.Start-upsmovefast.Tellmeabouthowyouhandlepressureandbusywork.翻译Mia:Clara:Mia:Clara:Mia:Thissummer,IdidaninternshipinJD’sintelligentassetmanagementteam.Ididdailydataworkandmanagedmultipletasksatthesametime,andIalwaysfinishedonschedule.Canyougiveanexampleofusingdatainyourinternship?IusedExceltoanalyzeusers’investmentbehaviorandorganizethedataclearly.Thishelpedtheteamunderstandyoungusers’savingandinvestinghabitsbetter.Youhadtolearnnewtoolsquickly,right?Yes,ItaughtmyselfSQLinthreenights.Iusedittopulluserdataanddobasicanalysisfortheteam.翻译Clara:Mia:Clara:Mia:Clara:Mia:Attentiontodetailisimportant.Haveyouevercaughtanimportantsmallmistake?Ifoundadataentryerrorbeforesubmittingareport.Icorrecteditintimetokeeptheanalysisaccurate.Ifyoujoinus,whatwouldyouimproveaboutourapp?I’daddsmall,achievablesavinggoalsforyoungusers.Itmakessavingmoneylessstressfulandmorerewarding.That’sagoodideawe’rethinkingabout.We’llcontactyounextweek.Thankyou!I’mreallylookingforwardtotheopportunity.翻译（米娅正在易付科技公司参加面试。面试官克拉拉坐在她对面。）金融分析师职位面试克拉拉：米娅：

克拉拉：米娅:克拉拉：米娅：

克拉拉：米娅:克拉拉：米娅：

克拉拉：米娅:克拉拉：米娅:早上好！我是易付科技的克拉拉。你为什么想加入我们金融科技团队，担任初级金融分析师？早上好！我非常喜欢你们的APP，它能帮助年轻人更轻松地存钱。作为一名有数据技能的金融专业学生，我希望在快速发展的金融科技公司工作，把所学知识应用到真实的用户需求中。初创公司节奏很快。说说你是如何应对压力和繁忙的工作的。今年夏天，我在京东智能资产管理团队实习。我负责日常数据工作，同时处理多项任务，并且总能按时完成。你能举一个在实习中使用数据的例子吗？我用Excel分析了用户的投资行为，并把数据整理得很清晰。这帮助团队更好地了解年轻人的储蓄和投资习惯。你需要快速学习新工具，对吗？是的，我用三个晚上自学了SQL。我用它提取用户数据，并为团队做基础分析。注重细节很重要。你有没有发现过关键的小错误？我曾在提交报告前发现了一个数据录入错误，并及时纠正了它，保证了分析的准确性。如果你加入我们，你会如何改进我们的APP？我会为年轻用户增加一些小而可实现的存钱目标。这会让存钱压力更小，也更有成就感。这正是我们在考虑的好主意。我们下周会联系你。谢谢！我非常期待这个机会。返回QuickNotesinterview/ˈɪntəvju:/n.面试analyst/ˈænəlɪst/n.分析师；化验员junior/ˈdʒu:niə(r)/adj.初级的；资历较浅的apply/əˈplaɪ/v.应用；申请handle/ˈhændl/v.处理；应对internship/ˈɪntɜ:nʃɪp/n.实习；实习期intelligent/ɪnˈtelɪdʒənt/adj.智能的；有智慧的asset/ˈæset/n.资产multiple/ˈmʌltɪpl/adj.多个的；多种的schedule/ˈʃedju:l/n.日程；计划表submit/səbˈmɪt/v.提交；呈递accurate/ˈækjərət/adj.准确的；精确的achievable/əˈtʃi:vəbl/adj.可实现的Task1QuickDiscussion

BasedontheinterviewbetweenMiaandClara,whatqualitiesdomoderncompaniesvaluemost,andhowcanyouprepareforyourfutureinterviews?Discussthequestionswithyourgroupmembersandpresentatleastthreequalitiestosupportyourgroup’sopinion.Task2Task2Recitetheabovedialogueandrole-playitwithyourpartner.

Haveyoueverimaginedturningasmallideaintoabigandfamouscompany?Ifyouhadsuchanidea,howwouldyoumakeitcometrueandgetenoughmoneytosupportyourdream?InterestSpark

TheJourneyoftheTechBuds:HowtheFinancialSystemWorks

TechBuds,astart-upfoundedbythreeyoungfounderswithapromisingeducationalappidea,lacksessentialcapital.Theyhaveabrilliantideaforaneducationalapp,butnocapital.TheyneedRMB50,000foranofficeandcomputers.Thebankrejectsthem,saying,“Youaretoorisky.Youhavenocollateralorcredithistory.”TechBudsisstuck.Thisistherealityformanystart-ups:youneedmoneytomakemoney,butnoonewilllendit.Thisiswherethefinancialsystemmuststepin.翻译

TheMicroLevel

Thefoundersdonotgiveup.Whentheylearnbanksalsolookatpotential,theypresentasolidbusinessplanandsavingsrecords.Theofficerperformsacreditassessment,analyzingtheircash

flow.Heseestheyareresponsibleandhaverepaymentcapacity.ThebankapprovesaMicro-EnterpriseLoan.Thisisthecorefunctionofabank:toactasago-between,movingmoneyfromsaverstoentrepreneurs.Withthisloan,TechBudsbuyscomputers,finishestheappandlaunchesit.Itisahit!Theymakemoneyandrepaythebankontime.翻译

TheRegionalLevel

Afterfiveyears,TechBudsisthriving,butitfacesanewchallengebecauseitneedsRMB5milliontoexpandnationwide.However,atraditionalbankloanisinsufficientforsuchalarge-scaleexpansion.

Here,theSecurities

Marketactsasa“fundingsupermarket”forlargercapitalneeds.TechBudsdecidestogopublicandofferssharesoftheircompanytothepublicinanInitial

Public

Offering(IPO).Thisprocess,knownasequity

financing,allowsthemtotradeaportionofownershipforcapital.Investorsbuytheshares,believinginthecompany’sfuturegrowth.ThismethodprovidesthemassivecapitalinjectiontheyrequireandmakesTechBudsexpandrapidly,becomingaregionalmarketleader.Meanwhile,thestockmarketeffectivelymatchesthecompany’sgrowthneedswiththeinvestors’desireforfinancialreturns.

TheGlobalLevel

Tenyearslater,TechBudshasgrownintoagiantfirmaimingtosellappsglobally.Goinginternationaliscomplexduetochallengeslikeunstableexchange

ratesandpoorinfrastructureindevelopingregions.

Atthispoint,GlobalFinancialInstitutionsstepintoprovid