BEC-higher-module-5高级商务英语-(课堂PPT).ppt

HIGHERSUCESS WITHBEC1 MODULE 5 Business TopicMoney and finance2 4.1 Business topic:Money and Finance4.2 business skills:Discussing options4.3 Exam spotlight:Listening Test:Part two MODULE 53 MODULE 5ContentsContents1.Money expression(vocabulary)1.Money expression(vocabulary)2.A culture of debt 2.A culture of debt 3.Choosing an investment 3.Choosing an investment 4.Company finance4.Company finance5.Business cost 5.Business cost 6.6.discussing options discussing options 4 5.1 Money and financeconsumer confidencesecurityinvoiceflow chartmortgagereal estateguzzlenegative equitydown-paymentequity消费者信心消费者信心担保担保发票，发票，开发票开发票生产流程图生产流程图 抵押抵押不动产，房地产不动产，房地产资产净值，股票，资产净值，股票，证劵证劵大量消耗（燃料）大量消耗（燃料）负债资产负债资产定金，定金，首付款项首付款项assets资产资产equation综合体综合体leaseleverage租赁期限租赁期限杠杆作用，杠杆作用，影响影响VOCABULARY:5 grossliabilitiesvariable costfixed costdebtorcreditorretained profitaccounts receivableaccounts payabledividend总的，毛重的总的，毛重的债务，债务，负债负债可变成本可变成本固定成本固定成本债务人债务人债权人债权人股息，股息，红利红利留存利润留存利润应收账款应收账款应付账款应付账款financial statement财务报表财务报表annual report年度报告年度报告snapshotbalance sheet快照，快照，简短描述简短描述资产负债表资产负债表VOCABULARY:5.1 Money and finance6 profit after taxnet profitincome statementcurrent assetscash flowoperating incomeadministrative costmaterial costoverheadplc税后利润税后利润净利润净利润损益表损益表流动资产流动资产现金流现金流营业收入营业收入公共股份有限公司公共股份有限公司管理成本管理成本材料成本材料成本一般管理费用（企业）一般管理费用（企业）distribution cost运输成本运输成本bank charges银行手续费银行手续费operating expensesmargin营业费用营业费用盈余，盈余，利润）利润）VOCABULARY:5.1 Money and finance7 Lead-in：VOCABULARY:5.1 Money and financeIts expensive to borrow money.Pursuing money only makes you neglect the more important things in life.Money often costs too much.Ralph Waldo Emerson,EssayistQuotations-understanding8 Money isnt everythingThere are many other things in the world that cannot be bought with money,such as health,life,happiness,friendship,love,etc.A hunger for money pushes us to work harder and longer in an effort to obtain even more money,thus ruining our health.Lead-in：Money ExpressionVOCABULARY:5.1 Money and finance9 Money expressionMoney expressionVOCABULARY:5.1 Money and finance10 Speaking:A BANK LOAN5.1 Money and finance1.How much do you eran a year?2.what kind of security can you offer?3.How much is your house worth?4.how much money have you saved?5.how much money do you spend each month?6.Do you have any shares and bonds?7.Do you have any debts?8.For what do you want to borrow money?Prepared questions for bank manager:11 5.1 Money and financeSpeaking:A BANK LOAN1.What is the interest rate?2.Within how many years should I repay the loan?3.How much money can I borrow?Prepared questions for loan applicant:12 A culture of debt5.1 Money and financeHeres one perspectiveMoney makes the world go round?$Banks encouraged to lead$Credit(easy and cheap)funds consumer spending.$Consumer spending fuels economic growth$Personal debt becomes acceptable and increases.$Debt levels sustainable as long as asset values rise faster than debt$Assets go up and down in value but liabilities remain the same!“Debt is good!”(Alan Greenspan)13 5.1 Money and finance A culture of debtBrainstorm!Name as many sources of personal credit&debt as you can think of.Why do lenders lend?14 5.1 Money and financeA culture of debtSources of personal credit/debt Credit cardsPersonal bank loanHire purchaseMortgage loanCredit union loanSecured loanCar financeStore charge cardsOverdraftRe-mortgage loan Store creditBusiness loanVenture capitalBorrow from a friend!15 A culture of debtSome questions:Can debt be good?Is it easy to get credit borrow money for a new computer,car,a house?What is the general attitude to borrowing in China?Is consumer confidence high in China at the moment?How has Chinas economic success impacted your life?Now,lets listen to the lecture and complete exercises 6&7 on page 47.(Take notes as you listen and get ready to explain the gist to me).5.1 Money and finance16 5.1 Money and financeLISTENING:A culture of debtThe legacy of Alan Greenspan1.credit and debt2.the Great Depression3.college4.mortgage5.low6.irresponsibly7.down-payment8.economic growth continues9.save(their)money10.$12 trillion11.a time bomb12.indefinitely17 Grammar:Energy consumption in the USA 1.by2.not3.than4.far/much5.nearly/almost6.exactly/practically/precisely7.at8.most5.1 Money and finance18 5.1 Money and financeExercises 5/6 on page 49-choosing and investment.q Study the information provided on each of the investment q opportunities.q Discuss the options with a partner-which do you think is the best q investment?Consider the pros and cons(advantages&disadvantages)q Draft a list of pros and cons for each and compare them.q Decide which one you would invest in!q Use the language in Ex.6(“Stating preferences”)q to explain the reasons for your choice to me!Grammar:Choosing an investment&Stating preferences 19 5.1 Money and financeLanguage for stating preferences“Personally Id go for optionbecause”“I think option.has much more going for it”“My preference would be option.”“Wed be better off buying option.because”“Option offers better”“The only disadvantage I can see with optionis”“I have several reservations about option first”“I think option has several drawbacks.”“Option on the other hand”“All in all,option represents the best solution because”Grammar:Choosing an investment&Stating preferences 20 Company finances CurrentGrossAssetsIncome Variable costsProfit DividendsCreditor Accounts payable Profitable 5.1 Money and financeUnprofitable Accounts receivableRetained profitDebtor Loss Long-termNetLiabilitiesExpenditureFixed costsMatch the financial terms(opposites in some cases)Exercise 2 page 50.21 Understanding financial statements“To make good investment decisions you need to understand the business youre investing in.”Complete exercise 3 on page 50 using the words from exercise 2.Balance sheet Income statement Company financial health5.1 Money and finance22 5.1 Money and financeA financial summary-Tesco plc Study the Tesco financial summary in Exercise 5 page 51:Find these items:Company turnoverProfit after tax Value of the companyCash available after investment23 To check whether a business is healthy,you need to look at Income statement(损益表)Balance sheet(资产负债表 assets 资产；liabilities债务)Cash flow statement(现金流量表)5.1 Money and finance24 Inflows outflowsNegative cash flowInflows outflowsPositive cash flow5.1 Money and finance25 5.2 Discussing optionsBusiness costs:What are the different costs associated with setting up and operating a business?26 5.2 Discussing optionsBusiness costs:Listen to the dialogue and complete exercise 2 on page 52 What costs cutting measures are discussed?Insert the missing phrases.Then try exercise 1 on the same page!.input/material costsutilities e.g.electricityrentlabour costsbank fees/cost of financeequipment purchasedistributionresearch&development marketing(advertising)inventory(stock)sundry expenses administration legal packaging investments 27 5.2 Discussing optionsDiscussing options/making recommendations Useful expressions:“So,weve been asked to/So,were here to”“What do you think/suggest?”“Whats your opinion/view?”“For me,the best thing would be to”“Id recommend/We could try”Instead of/we could”“If we were to./then we could”“The advantage of that would be”“In that way we would”“I agree with you.”/“I think thats an excellent idea.”“I see what youre saying but wouldnt it be better if”“I think that might be quite difficult/dangerous/expensive.”Imagine youre preparing for an interview for a job with a financial consulting company read the worksheet and try to come up with cost saving ideas.Exercise 4 page 53.Work with a partner and discuss the options use the expressions above.28 5.2 Discussing options29 5.2 Discussing options30 5.2 Discussing options31 5.2 Discussing options32 5.2 Discussing options33 5.3 The Listening Test:Part twoExam spotlight 34 Homework:listening part two of test1-335 36 37 38 39 Thank You40 41