商务英语学习课件

Bankingbaddebtbankaccountbankcardbankchargebankclerksbankerbankholidaybankloanbankmanagerbanknotebankstatementbanktellerbanktransferblankchequebounce(cheque)cashdispensercashcardcashpointcentralbankchequecardcreditcard1BBankingbaddebtBankingcrossedchequecurrentaccountdebit(n,v)depositaccountdirectdebitexternalforeignexchangecurrencyoverdrawn payable payeepayerpaying-inslipsavingsaccountserialnumberstandingordertransfer(n,v)traveller'schequewithdrawal2BBankingcrossedchequeCentralbankAnation'sprincipalmonetaryauthority,suchastheFederalReserveBank,whichregulatesthemoneysupplyandcredit,issuescurrency,andmanagestherateofexchange.

3BCentralbankAnation'sprincipregulatingthesizeofanation'smoneysupplytheavailabilityandcostofcredittheforeignexchangevalueofitscurrencyissuingnotestobeusedaslegaltendersupervisingtheoperationsofthecommercialbankingsystemimplementingmonetarypolicy4Bregulatingthesizeofanationissuingnotestobeusedaslegaltendersupervisingtheoperationsofthecommercialbankingsystemimplementingmonetarypolicy5BissuingnotestobeusedasleCentralbanksactasthefiscalagentofthegovernment,Byincreasingordecreasingthesupplyofmoneyandcredit,theyaffectinterestrates,therebyinfluencingtheeconomy.6BCentralbanksactasthefiscapictureverbtoimaginesomethingbymakinganimageinyourmindTom,picturingthescene,smiled.Picturethescene-thecrowdsofpeopleandanimals,thenoise,thedirt.7Bpictureverb7Bshuttleaplane,bus,ortrainthatmakesregularshortjourneysbetweentwoplacesHetooktheWashington-NewYorkshuttle.AshuttlebusoperatestoandfromthebeachofSanBenedetto.There'sashuttleservicefromthecitycentertotheairport.8Bshuttleaplane,bus,ortrainenrouteonthewayenroutefrom/toaflightenroutefromTokyotoSydneyenroutefor(BrE)WestayedthereenrouteforLondon.Whydon'twestopforlunchenroute?9Benrouteontheway9Bcheque/checkaprintedformthatyouusetopayforsomethinginsteadofusingmoney,withtheamountinwordsandnumbers,thedate,thepersonbeingpaid,andthesignatureofyournameachequefor£200paybychequecashthecheque(=exchangeditforcash)stopthecheque(=tellthebanknottopayit).bankcheque=banker'schequepersonalchequeblankcheque10Bcheque/checkaprintedformtfingertiptheendofyourfinger,thatisfurthestawayfromyourhandShetouchedhischeekgentlywithherfingertips.havesomethingatyour/theirfingertipstohaveknowledgeorinformationreadyandavailabletouseveryeasilyWehaveallthefactsandfiguresatourfingertips.tohis/herfingertipsBritishEnglishinallways;completelyShe'sBritishtoherfingertips.11BfingertiptheendofyourfingefinancialpositionsituationThecompanyisinabadfinancialpositionbecauseofoverproductionanddistributionproblems.12Bfinancialpositionsituation1Netposition

Thevalueofthepositionsubtractingtheinitialcostofsettinguptheposition.Forexample,if100optionswherepurchasedfor$1eachandtheoptioniscurrentlytradingfor$9,thevalueofthenetpositionis$900-$100=$80013BNetposition

Thevalueofthepositionthesituationthatapersonororganizationisin,orthesituationconcerningaparticularsubjectThecompanyisinastrong

financialposition

,withmorethan$7millionincashandnoshort-termdebt.Theinvestmentwouldweakenthecompany'scompetitiveposition

.Thenewlegislationputstheunionsinadifficultposition

.What'sthepresentpositionwithregardtoimportrestrictions?

cashposition:theamountofcashthatacompanyhasavailableataparticulartimeThecompany'scashpositionfromtradingactivitiesappearstobehealthy.14BpositionthesituationthatapNetnetamount:thefinalamountthatremainsafteralltheotheramountshavebeentakenawaynetprofit(aftertaxes,costsetc).netweight(theweightofsomethingwithoutitscontainer)Thecompanyreportedanetlossof$56millionlastyear.Vernonestimatesthecompany'snetworthatover$8billion.TheUnitedStatesisanetimporterofbeef.15BNetnetamount:thefinalamounetnetresult/effectthefinalresultoreffectofsomethingThenetresultwillbehighercoststotheconsumer.adverbHeearns$40,000net.jarsofcoffeeweighing450gramsnet.16Bnetnetresult/effect16Baccessverbtofindinformation,especiallyonacomputerThesoftwareenableseachclienttoaccessdatafromotherdatabases.

tobeabletousesomethingManycustomersnowaccesstheiraccountsusingtheinternet.17BaccessverbtofindinformatisterlingthesystemofmoneyinBritain,basedonthepoundSterlingwastradingat$1.6490,upfrom$1.6470.Hissalaryispaidinpoundssterling.

18BsterlingthesystemofmoneyinBACSBanksAutomatedClearingSystemidealformakingregularautomatedpaymentstorepeatcustomershelpingthosemakingmorethan150monthlypaymentstomanagecashflowreducingthelikelihoodofhumanerror.19BBACSBanksAutomatedClearingSTheadvantagesofBACS

RegularautomatedpaymentsReducestimeandcostofadministeringbulkpaymentsHelpsmanagecashflowandimprovefinancialcontrolReducesriskofloss,latepaymentandtheftforcustomersAttheenterpriselevel,BACScanbeintegratedwithane-commerceb2bpurchasingsystemtoallowautomatedsettlementofaccountsbetweenorganizations.AstheBACSprocessiselectronic,itremovestheneedtowritecheques,whichcanbeacostlyprocess,subjecttohumanerror.Paymentscanbemademuchlaterinabusinessday,upto9pmandareclearedwithintwobusinessdaystoanybankaccount.20BTheadvantagesofBACS

RegularCHAPSanelectronicbank-to-banksame-dayvaluepaymentmadewithintheUKineithersterlingoreuro.fast,secureandefficientandthemoneytransferredthesameday.irrevocable.oneofthelargestreal-timegrosssettlement(RTGS)systemsintheworld.forbusiness-to-businesspayments;totransferthepurchasepriceofahousebetweenthebankaccountsofthoseinvolved;byindividualsbuyingorsellingahigh-valueitem,suchasacar,whoneedasecure,urgent,same-dayguaranteedpayment.21BCHAPSanelectronicbank-to-banstandingorderBritishEnglishanarrangementbywhichabankpaysafixedamountofmoneyfromyouraccounteverymonth,yearetcalsodirectdebitaninstructionyougiveyourbanktopaymoneydirectlyoutofyouraccountregularlytoaparticularpersonororganization22BstandingorderBritishEnglish2cost-effectivenessbringingthebestpossibleprofitsoradvantagesforthelowestpossiblecostscosteffectivewayofdoingsomethingthemostcost-effectivewayofreducingcarbondioxideemissionsTheprocedureisquick,easytouseandcosteffective.23Bcost-effectivenessbringingthebuilt-informingapartofsomethingthatcannotbeseparatedfromitabuilt-inmicrophoneinbuilt(BrE)aninbuiltquality,featureetcispartofthenatureofsomeoneorsomethingplantswithinbuiltresistancetodiseaseHistoryhasaninbuilttendencytorepeatitself.24Bbuilt-informingapartofsomekepttoaminimumkeepsomethingtosomethingtopreventanamount,degree,orlevelfrombecominghigherthanitshouldkeep/reducesomethingtoaminimumCostsmustbekepttoaminimum.Shehadreducedherconsumptionoffatandsugartoanabsoluteminimum.25BkepttoaminimumkeepsomethindesignatetochoosesomeoneorsomethingforaparticularjoborpurposeMrTimmerhasbeendesignatedtosucceedMrvanderKlugt.Thegovernmentdesignatedtheaircraftindustryasastrategicsector.bedesignatedsomethingdesignatesomethingas/forsomethingFundsweredesignatedforprojectsinlow-incomeareas.designatesomebodytodosomethingShehasbeendesignatedtotakeoverthepositionoftreasurer.26Bdesignatetochoosesomeoneordovetailtofittogetherperfectlyortomaketwoplans,ideasetcfittogetherperfectlydovetailwithMyvacationplansdovetailnicelywithJoyce's.tojointwopiecesofwoodbymeansofdovetailjointsatypeofjointfasteningtwopiecesofwoodtogether27BdovetailtofittogetherperfectheSageGroup,NewCastle,UKoneoftheworld'slargestprovidersofaccountingandpayrollsoftwareforsmallandmidsizedbusinesses,designsitssoftwaretosuitthespecificaccountinglawsandpracticesindifferentcountries.offeringsoftwareapplicationsforfinancialplanning,billing,contactmanagement,e-commerce,customerrelationshipmanagement(CRM),vidingavarietyofservicessuchasconsulting,support,maintenance,andtraining.28BtheSageGroup,NewCastle,Utemplateathinsheetofplasticormetalinaspecialshapeorpattern,usedtohelpcutothermaterialsinasimilarshape(technical)acomputerdocumentcontainingsomebasicinformationthatyouuseasamodelforwritingotherdocuments,suchasbusinessletters,envelopesetcwrittensomethingthatisusedasamodelforanotherthing29BtemplateathinsheetofplastibeneficiarysomeonewhogetsadvantagesfromanactionorchangeTherichwerethemainbeneficiariesofthetaxcuts.someonewhoreceivesmoneyorpropertyfromsomeoneelsewhohasdiedHewasthechiefbeneficiaryofhisfather'swill.30BbeneficiarysomeonewhogetsadVocabulary1Across1.DIRECTDEBITS6.NET9.WAGES10.ROUTINE12.COST18.FIT20.FOREIGNCURRENCY31BVocabulary1Across31BVocabulary1Down1.DISTRIBUTION2.BANKING3.TRANSACTIONS5.REPORTING7.URGENT8.DATA11.CONTROL13.TRANSFER14.FUNDS15.PRICE16.OPEN19.PAY32BVocabulary1Down11.CONTROL32BVocabulary22.deposit3.cheque4.debit5.cash6.payment7.debitcard8.credit9.transactions10.balance33BVocabulary22.deposit33BVocabulary3bootuplaptopdownloadsearchcriterionprocessingsoftware34BVocabulary3bootup34Bvalueaddedtaxidest=

thatislimitedperannum=everyyearassoonaspossibleexempligratia=forexample35Bvalueaddedtax35BIoweyou(anote)managingdirectorannualgeneralmeeting/GMSwissfranccorporationnotapplicable36BIoweyou(anote)36BanyotherbusinesspayasyouearnchiefexecutiveofficerpubliclimitedcompanyGreenwichMeanTimeantemeridiem=beforemidday37Banyotherbusiness37Badmin.approx.Avea.enc./encl.Inc.incl.misc.mo.Ref.Sq.St.38Badmin.incl.38BAbbreviationsbkgcfmdeptdoz/dzft.Mktg.pd.pls.qty.RdRecdAttn39BAbbreviationsbkgpd.39Betaletclb/lbsN.B.oz.p.p.RSVP@©®re40Betal@40BAbbreviationsa/cb/fc.c.c/oC.O.D.GDPH.P.PAPCPDQp.m.POBPSPTOSAETMVSOP41BAbbreviationsa/cPC41BVSOP=veryspecialoldpale42BVSOP=veryspecialoldpale42Bankingbaddebtbankaccountbankcardbankchargebankclerksbankerbankholidaybankloanbankmanagerbanknotebankstatementbanktellerbanktransferblankchequebounce(cheque)cashdispensercashcardcashpointcentralbankchequecardcreditcard43BBankingbaddebtBankingcrossedchequecurrentaccountdebit(n,v)depositaccountdirectdebitexternalforeignexchangecurrencyoverdrawn payable payeepayerpaying-inslipsavingsaccountserialnumberstandingordertransfer(n,v)traveller'schequewithdrawal44BBankingcrossedchequeCentralbankAnation'sprincipalmonetaryauthority,suchastheFederalReserveBank,whichregulatesthemoneysupplyandcredit,issuescurrency,andmanagestherateofexchange.

45BCentralbankAnation'sprincipregulatingthesizeofanation'smoneysupplytheavailabilityandcostofcredittheforeignexchangevalueofitscurrencyissuingnotestobeusedaslegaltendersupervisingtheoperationsofthecommercialbankingsystemimplementingmonetarypolicy46Bregulatingthesizeofanationissuingnotestobeusedaslegaltendersupervisingtheoperationsofthecommercialbankingsystemimplementingmonetarypolicy47BissuingnotestobeusedasleCentralbanksactasthefiscalagentofthegovernment,Byincreasingordecreasingthesupplyofmoneyandcredit,theyaffectinterestrates,therebyinfluencingtheeconomy.48BCentralbanksactasthefiscapictureverbtoimaginesomethingbymakinganimageinyourmindTom,picturingthescene,smiled.Picturethescene-thecrowdsofpeopleandanimals,thenoise,thedirt.49Bpictureverb7Bshuttleaplane,bus,ortrainthatmakesregularshortjourneysbetweentwoplacesHetooktheWashington-NewYorkshuttle.AshuttlebusoperatestoandfromthebeachofSanBenedetto.There'sashuttleservicefromthecitycentertotheairport.50Bshuttleaplane,bus,ortrainenrouteonthewayenroutefrom/toaflightenroutefromTokyotoSydneyenroutefor(BrE)WestayedthereenrouteforLondon.Whydon'twestopforlunchenroute?51Benrouteontheway9Bcheque/checkaprintedformthatyouusetopayforsomethinginsteadofusingmoney,withtheamountinwordsandnumbers,thedate,thepersonbeingpaid,andthesignatureofyournameachequefor£200paybychequecashthecheque(=exchangeditforcash)stopthecheque(=tellthebanknottopayit).bankcheque=banker'schequepersonalchequeblankcheque52Bcheque/checkaprintedformtfingertiptheendofyourfinger,thatisfurthestawayfromyourhandShetouchedhischeekgentlywithherfingertips.havesomethingatyour/theirfingertipstohaveknowledgeorinformationreadyandavailabletouseveryeasilyWehaveallthefactsandfiguresatourfingertips.tohis/herfingertipsBritishEnglishinallways;completelyShe'sBritishtoherfingertips.53BfingertiptheendofyourfingefinancialpositionsituationThecompanyisinabadfinancialpositionbecauseofoverproductionanddistributionproblems.54Bfinancialpositionsituation1Netposition

Thevalueofthepositionsubtractingtheinitialcostofsettinguptheposition.Forexample,if100optionswherepurchasedfor$1eachandtheoptioniscurrentlytradingfor$9,thevalueofthenetpositionis$900-$100=$80055BNetposition

Thevalueofthepositionthesituationthatapersonororganizationisin,orthesituationconcerningaparticularsubjectThecompanyisinastrong

financialposition

,withmorethan$7millionincashandnoshort-termdebt.Theinvestmentwouldweakenthecompany'scompetitiveposition

.Thenewlegislationputstheunionsinadifficultposition

.What'sthepresentpositionwithregardtoimportrestrictions?

cashposition:theamountofcashthatacompanyhasavailableataparticulartimeThecompany'scashpositionfromtradingactivitiesappearstobehealthy.56BpositionthesituationthatapNetnetamount:thefinalamountthatremainsafteralltheotheramountshavebeentakenawaynetprofit(aftertaxes,costsetc).netweight(theweightofsomethingwithoutitscontainer)Thecompanyreportedanetlossof$56millionlastyear.Vernonestimatesthecompany'snetworthatover$8billion.TheUnitedStatesisanetimporterofbeef.57BNetnetamount:thefinalamounetnetresult/effectthefinalresultoreffectofsomethingThenetresultwillbehighercoststotheconsumer.adverbHeearns$40,000net.jarsofcoffeeweighing450gramsnet.58Bnetnetresult/effect16Baccessverbtofindinformation,especiallyonacomputerThesoftwareenableseachclienttoaccessdatafromotherdatabases.

tobeabletousesomethingManycustomersnowaccesstheiraccountsusingtheinternet.59BaccessverbtofindinformatisterlingthesystemofmoneyinBritain,basedonthepoundSterlingwastradingat$1.6490,upfrom$1.6470.Hissalaryispaidinpoundssterling.

60BsterlingthesystemofmoneyinBACSBanksAutomatedClearingSystemidealformakingregularautomatedpaymentstorepeatcustomershelpingthosemakingmorethan150monthlypaymentstomanagecashflowreducingthelikelihoodofhumanerror.61BBACSBanksAutomatedClearingSTheadvantagesofBACS

RegularautomatedpaymentsReducestimeandcostofadministeringbulkpaymentsHelpsmanagecashflowandimprovefinancialcontrolReducesriskofloss,latepaymentandtheftforcustomersAttheenterpriselevel,BACScanbeintegratedwithane-commerceb2bpurchasingsystemtoallowautomatedsettlementofaccountsbetweenorganizations.AstheBACSprocessiselectronic,itremovestheneedtowritecheques,whichcanbeacostlyprocess,subjecttohumanerror.Paymentscanbemademuchlaterinabusinessday,upto9pmandareclearedwithintwobusinessdaystoanybankaccount.62BTheadvantagesofBACS

RegularCHAPSanelectronicbank-to-banksame-dayvaluepaymentmadewithintheUKineithersterlingoreuro.fast,secureandefficientandthemoneytransferredthesameday.irrevocable.oneofthelargestreal-timegrosssettlement(RTGS)systemsintheworld.forbusiness-to-businesspayments;totransferthepurchasepriceofahousebetweenthebankaccountsofthoseinvolved;byindividualsbuyingorsellingahigh-valueitem,suchasacar,whoneedasecure,urgent,same-dayguaranteedpayment.63BCHAPSanelectronicbank-to-banstandingorderBritishEnglishanarrangementbywhichabankpaysafixedamountofmoneyfromyouraccounteverymonth,yearetcalsodirectdebitaninstructionyougiveyourbanktopaymoneydirectlyoutofyouraccountregularlytoaparticularpersonororganization64BstandingorderBritishEnglish2cost-effectivenessbringingthebestpossibleprofitsoradvantagesforthelowestpossiblecostscosteffectivewayofdoingsomethingthemostcost-effectivewayofreducingcarbondioxideemissionsTheprocedureisquick,easytouseandcosteffective.65Bcost-effectivenessbringingthebuilt-informingapartofsomethingthatcannotbeseparatedfromitabuilt-inmicrophoneinbuilt(BrE)aninbuiltquality,featureetcispartofthenatureofsomeoneorsomethingplantswithinbuiltresistancetodiseaseHistoryhasaninbuilttendencytorepeatitself.66Bbuilt-informingapartofsomekepttoaminimumkeepsomethingtosomethingtopreventanamount,degree,orlevelfrombecominghigherthanitshouldkeep/reducesomethingtoaminimumCostsmustbekepttoaminimum.Shehadreducedherconsumptionoffatandsugartoanabsoluteminimum.67BkepttoaminimumkeepsomethindesignatetochoosesomeoneorsomethingforaparticularjoborpurposeMrTimmerhasbeendesignatedtosucceedMrvanderKlugt.Thegovernmentdesignatedtheaircraftindustryasastrategicsector.bedesignatedsomethingdesignatesomethingas/forsomethingFundsweredesignatedforprojectsinlow-incomeareas.designatesomebodytodosomethingShehasbeendesignatedtotakeoverthepositionoftreasurer.68Bdesignatetochoosesomeoneordovetailtofittogetherperfectlyortomaketwoplans,ideasetcfittogetherperfectlydovetailwithMyvacationplansdovetailnicelywithJoyce's.tojointwopiecesofwoodbymeansofdovetailjointsatypeofjointfasteningtwopiecesofwoodtogether69BdovetailtofittogetherperfectheSageGroup,NewCastle,UKoneoftheworld'slargestprovidersofaccountingandpayrollsoftwareforsmallandmidsizedbusinesses,designsitssoftwaretosuitthespecificaccountinglawsandpracticesindifferentcountries.offeringsoftwareapplicationsforfinancialplanning,billing,contactmanagement,e