世纪商务英语综合教程专业篇unit

1、（专业篇）总主编刘杰英总主编刘杰英主编王洗薇孙雪梅主编王洗薇孙雪梅审校审校Chuck ThodeUnit 8InsuranceInsurance is widely available and affordable. With the expansion of international trade, insurance is playing a more and more important role. Different goods have different natures and will be covered against different risks. Only in thi

2、s way can the exporter and the importer minimize the possible losses or damage that they may suffer. Insurance allows traders to proceed with confidence in the knowledge that each party to the transaction is properly protected.Unit 8InsuranceC O N T E N T SText BReal Life PracticeTranslation SkillsP

3、ractical WritingLead-inText AKnowledge LinksTime for FunUnit 8InsuranceLead-inListen to the passages and choose the best answer for each question.1. Listening1. What is the topic of the news report?A. A software called AdSense.B. Online business opportunities.C. Googles promotion program.2. What is

4、the AdSense program designed for?A. Making advertisements for website owners.B. Making advertisements for Google.C. Helping website owners earn an income by putting ads on their sites.3. Why is the AdSense program very nice?A. It is very simple to implement and maintain.B. It only charges a very low

5、 fee.C. It provides straightforward service for the website owners.4. What need you do if you want to place the ads on your website?A. Pay a small fee.B. Insert a small piece of code.C. Learn to use the program.5.How would you describe the ads?A. They are related to the websites content.B. They are

6、noticeable and annoying.C. They belong to a type of pop-up ad.Unit 8InsuranceLead-inPart 1 Listen to the dialogue and decide whether the following statements are True or False.2. Spot Dictation1. Sophia usually does business with the customers based on a CIF basis.2. The premium will be different if

7、 different kinds of risks are covered.3. War Risk is included in All Risks.4. War Risk is a special additional risk and it can be arranged with All Risks.5. Sophia thought that it was essential to cover the glassware against War Risk.()()()()()TTFFFUnit 8InsuranceLead-inAccording to Sophias companys

8、 usual _, they do business with customers on a _. It will save customers _ because customers dont need to deal with so many _ formalities. Sophias company usually _ the goods with _. The _ will vary according to the _ to be _.practicePart 2 Listen to the dialogue again and fill in the blanks with th

9、e missing information.2. Spot DictationCIF basisa lot of timeinsuranceinsuresthe Peoples Insurance Company of Chinapremiumtypes of riskscoveredUnit 8InsuranceLead-in3. DiscussionThe following questions can be taken as reference:1. Do you like to see ads when you open a webpage? Why?2. What kinds of

10、products or services are suitable to be advertised on the Web?3. Why do many companies choose to advertise on the Web?4. If you are running a website, will you place ads on your website? Why?You have probably noticed that across the Web, advertising is becoming more and more “in-your-face”. There ar

11、e now pop-up ads, ads that play music and sound tracks, ads that swim across the screen, and so on. What do you think of web advertising?Discuss it with your partner and report your answers to the class.Unit 8InsuranceText A1. What kind of insurance mostly concerns us now?2. What does marine insuran

12、ce cover to protect a shipping company against the loss?3. Why is there marine insurance?4. Why is it to the exporters advantage to be responsible for placing the insurance on the shipment?5. Is the cost of marine insurance big? Why or why not?Read the passage about the Negotiation concept and answe

13、r the following questions.1. ReadingUnit 8InsuranceText AInsuranceInsurance was originally applied to losses at sea where risks were always great, but it is now provided to cover almost any kind of occurrence that may result in losses. As a large percentage of our foreign trade in and out of this co

14、untry goes by ship, what mainly concerns us is still the marine insurance.For shipments to countries overseas, the type of insurance arranged is known as marine insurance. It is also sometimes called ocean marine insurance to distinguish it from inland marine insurance. The first form of marine insu

15、rance dates back to 3,000 years ago when Chinese merchants spread their goods among many vessels to reduce the possibility of damage to their products.Marine insurance protects a shipping company against the loss of a ship or its cargo. It covers not only the insurance of ships, but also the insuran

16、ce of hulls, the cargo they carry, liabilities that may devolve upon ships and ship operators, known as “protection and indemnity” and also the insurance of wharves, ports and harbors, container terminals and even oil platforms and drilling rigs.Unit 8InsuranceText ABasically, marine insurance is a

17、contract between one party (usually the exporter) and the other party (an insurance company). In return for the payment of a fee (the insurance premium) by the insured (exporter), the insurance company agrees to reimburse the insured in full or in part for any financial losses suffered from various

18、specified risks.When goods have to be shipped to a foreign country, there is always the risk that they may be damaged, destroyed or stolen and the risk may vary, according to the country of destination, the route and method of shipment. To be protected from financial losses as a result of this risk,

19、 either the firm that sells the goods or the firm that buys them arranges for insurance. It is to the exporters advantage to be responsible for placing the insurance on the shipment. Such insurance cannot prevent accidental losses but can provide reimbursement for financial losses should the exporte

20、rs shipment somehow fail to arrive or arrive intact.The cost of marine insurance is quite small compared with the cost of the goods shipped and re, the benefit of the marine insurance, in terms of financial reimbursement if disaster strikes, is usually well worth the cost.Unit 8InsuranceText AMarine

21、 insurance retained its prominent position for some considerable time, and from the late seventeenth century onwards was increasingly transacted at a coffee house in the city of London owned by a man called Lloyd. Today, the influence of Lloyds on insurance has been very significant. For example, th

22、e standard Lloyds marine insurance policy was adopted as the statutory form in the Marine Insurance Act 1906.The purpose of insurance is to obtain indemnity in the event of any damage or loss, so an insurance policy is also a contract of indemnity, a contract between a party who agrees to accept the

23、 risk and a party who seeks protection from the risk. The contract, in the meanwhile, stipulates each partys rights and responsibilities. On the other hand, insurance policy is an evidence of insurance issued by the insurer or underwriters to the insured.The modern marine insurance policy affords a

24、very broad protection. There are various kinds of risks which can be covered under an insurance policy, such as basic risks known as FPA, WPA, All Risks and additional risks known as War Risk, Risk of Breakage, etc.Unit 8InsuranceText AMarine insurance policies may be classified into four broad grou

25、ps based on the nature of the interest covered. In the first group included those policies covering against damage to the conveyances on which persons or goods are transported; in the second, those protecting a carrier against liability to others for losses of or damage to their property; in the thi

26、rd, those covering damage to the various kinds of goods being transported; and in the fourth, those covering the loss of freight and related losses resulting from the inability to use a particular vessel.It is a general practice to have the goods covered for 110% of the invoice value, which comprise

27、s cost of goods, amount of freight, insurance premium and a percentage of the total sum to represent a reasonable profit on the sale of goods. If the importer wants to cover for more than 110%, then the extra premium will be for his account.Unit 8InsuranceText AUnit 8InsuranceText A1. Marine insuran

28、ce is also called ocean marine insurance and it is different from inland marine insurance.2. Marine insurance protects a shipping company against only the loss of its cargo.3. In return for a payment known as a premium paid by the insured, the insurer will agree to compensate the insured in the even

29、t of any financial losses.4. The exporter couldnt benefit from placing the insurance on the shipment.5. All Risks and War Risk are regarded as additional risks.()()()()()TFFFFDecide whether the following statements are True or False.2. ComprehensionUnit 8InsuranceText A1. insuranceA. something that

30、happens2. occurrenceB. a ship or a large boat3. marineC. to give work, responsibility etc. to someone else4. vesselD. an arrangement with a company in which you pay them money each year and they pay the costs if anything bad happens to you5. devolveE. connected with the sea and the creatures that li

31、ve there6. reimburseF. to pay money back to someone who has to spend the money because of their work7. statutoryG.a vehicle8. intactH. well-known and important9. conveyanceI. fixed or controlled by law10. prominentJ. not broken, damaged, or spoiled, usually after something bad has happenedDAEBCFIJGH

32、Part 1 Match the words or phrases on the left with the definitions on the right.3. VocabularyUnit 8InsuranceText Afor your account damage insurance policy result in be responsible forbroader coverage underwriter distinguish in return for fail to1. If you want _, we can arrange it for you, but the ex

33、tra premium will be _.2. A(n) _ is a written legal contract between the insurer and the insured containing all terms and conditions of the agreement.3. It is not clear that who should be responsible for the _ to the goods.4. Our _ enjoys good reputations and has agents in all big cities in the world

34、.5. Confusion over these terms can _ a lost sale or a financial loss on a sale.broader coveragePart 2 Complete the sentences with the following words or phrases. Change the form where necessary.3. Vocabularyfor your accountinsurance policydamageunderwriterresult inUnit 8InsuranceText Afor your accou

35、nt damage insurance policy result in be responsible forbroader coverage underwriter distinguish in return for fail to6. Commerce, this word is used to _ the business scope from other areas such as government or the arts.7. We hope you can quote a special rate _ the promise of regular monthly shipmen

36、ts.8. As we know, the underwriters _ the claim as far as it is within the scope of cover.9. Although we had tried our best, we _ get the goods ready for shipment in such a short period of time.distinguishPart 2 Complete the sentences with the following words or phrases. Change the form where necessa

37、ry.3. Vocabularyin return forare responsible forfailed toUnit 8InsuranceText APart 1 Translate the following terms into Chinese.4. Translation1. insurance policy_2. insurance premium _3. financial reimbursement _4. invoice value _5. general practice _6. ocean marine insurance _保险单保险费经济赔偿发票金额惯例海运保险Un

38、it 8InsuranceText APart 2 Complete the following sentences by translating Chinese into English.4. Translation1. If you _ (对保险金额及投保险别有特殊的要求) , please let us know and we will do our best to meet your requirements.2. We shall be glad to know your _ (平安险最低费率).3. By the way, _ (保险费包含在发票里面了).4. _ (我们会立即投保

39、) upon receipt of your shipping advice.have specific requirement for the insured amount or insurance coveragelowest rate for FPAthe premium will be included in the invoice valueWe will cover insurance immediatelyUnit 8InsuranceText AThere are various kinds of risks which can be covered under an insu

40、rance policy, such as basic risks known as FPA, WPA, All Risks. Discuss with your partner the differences between them.5.DiscussionUnit 8InsuranceText BThe History of the Famous UnderwriterLloydsThe word “underwriter” originated from Lloyds. In the late 1600s, a man named Edward Lloyd ran a coffeeho

41、use in London. Lloyds coffeehouse came to be known as a place where ship owners could go to find men interested in insuring ships and cargoes. The ship owners would go from table to table at the coffee house, and various men would agree to insure part of the ship owners risks. They did so by writing

42、 their names underneath a description of the risks being insured. (Thus, they were “underwriting” the risks.) Sometimes an underwriter would add the names of friends who didnt have time to go to the coffee house themselves but who wanted to invest some of their funds in the hope of earning a profit.

43、 These “names” would have given the underwriter permission to accept risks on their behalf. The business is conducted in essentially the same way today. The insurance is written by syndicates, which are groups of names organized under the heading of an underwriter who is authorized to conduct the bu

44、siness. There are about 360 syndicates, ranging in size from just a few names to several thousands. Each syndicate specializes in a certain form of insurance, either marine, aviation, automobile, or other property-casualty lines.Unit 8InsuranceText BModern form of insurance was probably shaped durin

45、g the industrialization of Europe. Friendly societies or guilds assumed the role of sharing the costs of risks. As the leading maritime nation, England pioneered the concept of maritime insurance by crystallizing the concepts in a London pub in the seventeenth centuryLloyds, which has become a synon

46、ymous with marine insurance.Lloyds is now a registered trade mark of the Society of Lloyds. Being the worlds oldest and most famous insurance market and attended by Lloyds brokers and Lloyds underwriters, Lloyds provides specialist insurance services to businesses in over 200 countries and territori

47、es. In 2006, 66 syndicates were underwriting insurance at Lloyds.Lloyds is a top conduit for aviation and marine insurance, as well as specialty insurance, such as policies covering art and jewelry or protecting against acts of terrorism. The underwriters at Lloyds are among the best in the world. T

48、he risks that they cover are usually brought into the Lloyds market by brokers, and the underwriters and brokers together will use their considerable knowledge and expertise to agree to the right insurance cover at the right price and on the right terms.Unit 8InsuranceText BUnit 8InsuranceText BPart

49、 1 Complete the table of the basic information of signing the contract according to the passage.1. Comprehension1. In the late 1600s, many ship owners in London tended to go to the Lloyds coffee house to seek for the men who would like to _ their ships, goods or risks from table to table. Then _ cam

50、e into being.2. Syndicates are different in scale and each of them would _ different fields of insurance, marine, aviation, automobile or other property-casualty lines.3. England, the main coastal state in the world, led to raise the concept of _ _ by embodying the concepts in Lloyds coffee house.4.

51、 Lloyds covers a wide range of insurance, including aviation, marine insurance and specialty insurance, the underwriters of which are the top in the world. And their underwriters and _ will work together to work out the right insurance cover with their rich knowledge and professional skills.insureun

52、derwritersspecialize inmaritimebrokersinsuranceUnit 8InsuranceText BPart 2 Retell the passage with the help of the above sentences in Part 1 in no less than 80 words.1. ComprehensionUnit 8InsuranceText BChoose the right meaning of the underlined part according to the context.2. Vocabulary1. The insu

53、rance is written by syndicates, which are groups of names organized under the heading of an underwriter who is authorized to conduct the business.A. associations B. insurance company C. underwriters D. directors2. Each syndicate specializes in a certain form of insurance, either marine, aviation, au

54、tomobile, or other property-casualty lines.A. focuses on B. operates C. researches D. explores3. Lloyds has become synonymous with marine insurance.A. partner B. representation C. substitute D. competitor4. The risks are usually brought into the Lloyds market by brokers.A. competitors B. partners C.

55、 agents D. clients5. The underwriters and brokers together will use their considerable knowledge and expertise to agree to the right insurance cover.A. experience B. appearances C. experts D. professional skillsUnit 8InsuranceText BPart 1 Translate these sentences into Chinese.3. Translation1. It is

56、 a general practice to have the goods covered for 110% of the invoice value, which comprises cost of goods, amount of freight, insurance premium and a percentage of the total.2. Being the worlds oldest and most famous insurance market and attended by Lloyds brokers and Lloyds underwriters, Lloyds pr

57、ovides specialist insurance services to businesses in over 200 countries and territories.一般的惯例是，按照发票金额的百分之一百一十为货物投保，包括货物的成本、运费、保险费和交易总额的某个百分比。作为世界上历史悠久和最著名的保险市场，且有着众多劳埃德的经纪和保险商的参与，劳埃德集团为超过200 个国家和地区的企业提供专业的保险服务。Unit 8InsuranceText BPart 1 Translate these sentences into Chinese.3. Translation3. The p

58、rice quoted was for the small lot you named; we can offer you 10% off for a 150- ton lot.4. The plastic container is five times lighter than that glass one.这一价格是针对你方小批量订货的，如果一批订150 吨，我们可以降价10%。这个塑料容器比那个玻璃容器轻五倍。Unit 8InsuranceText BPart 1 Translate these sentences into Chinese.3. Translation5The pers

59、onnel expenditure this year has decreased by a factor of three as against that of 2010.今年的人力资源开支比2010年降低了1/3。Unit 8InsuranceText BPart 2 Translate the following sentences into English.3. Translation1 购买保险是人们保护自己免受重大损失的一种办法。2. 我们知道按照你们的惯例，你们只按发票金额的110%投保，因此额外保险费由我们承担。We are pleased to inform you that

60、 we have covered the above goods with the PICCagainst All Risks for USD 7,600.We know that according to your usual practice you insure the goods only for 110 %of the invoice value, therefore, the extra premium will be for our account.Unit 8InsuranceText BPart 2 Translate the following sentences into