新实用英语视听说教程（第3册）第二版 unit 3 Banking Service

BankingServiceUnit3新实用英语视听说教程（第3册）第二版Ifwecommandourwealth,weshallberichandfree;ifourwealthcommandsus,wearepoorindeed.——EdmundBurke(1729–1797,IrishPolitician)如果我们能支配财富，我们就会变得富裕而自由；如果我们的财富驾驭了我们，我们就会是真正的穷光蛋。——埃德蒙·伯克（1729—1797，爱尔兰政治家）新实用英语视听说教程（第3册）第二版PARTⅠVideoComprehensionPARTⅡListeningComprehensionPARTⅢSpeakingDevelopmentPARTⅣWorkplaceContextCONTENTSTeachingTipsEpisode1HowtoGetFreeMoneyfromYourBankAccountEpisode2NewDevelopmentBank’sfirstLoanProjectOperatingStablyWordstoKnowShortConversationsSituationalDialoguesPassageListeningTopicIntroductionCulturalBackgroundWordstoKnowSituationalDialoguesUsefulSentencesandExpressionsBriefDescriptionWorkplaceDialogueUsefulSentencePatternsChineseCultureTimeOralPractice WordsandExpressionstoMasterbalanceconvertdivideexchangetransfermortgagejointoptimismpreservecongressheartencomprehendSignificancepeaktemporarilysignificantpotentialonbehalfofNEXTBACK ImportantSentencePatternsparticipateinsomething(cf.joinsomegroup；joininsomeactivity；takepartinsome

activity；takesomeexam/test)2.paytributetosomeone(cf.topraiseandthanksomeonepublicly)3.approveofsomething(cf.approvesomeoneofsomething)4.besubjecttosomething受支配(cf.besubjectedtosomething)NEXTPREV.UP LanguageSkillsPartⅠVideoComprehension理解有关银行服务的用语，银行服务的场景。PartⅡListeningComprehension有关银行服务的用语，注意银行服务的不同情景，如存款、取款、开户、申请信用卡、贷款以及一些专有词汇的说法。PartⅢSpeakingDevelopment正确表达出自己所需要的服务内容，如drawsomemoney,openanaccount,applyforacreditcard,loan,balance,cash等。PartⅣWorkplaceContext能简单、清晰地就办公设备的操作向别人求助BACKPREV.PartⅠVIDEOCOMPREHENSIONBankingService中国人民大学出版社新实用英语视听说教程（第3册）第二版HowtoGetFreeMoneyfromYourBankAccountEpisode1WordstoKnowVideoTaskBACKWordstoKnowawrittenassurancethatsomeproductorservicewillbeprovidedorwillmeetcertainspecifications保证；担保；保证人；保证书aconditionalconveyanceofpropertyassecurityfortherepaymentofaloan抵押guarantee/ˌɡær(ə)n'tiː/n.mortgage/'mɔːɡɪdʒ/n.额外的好处aholdingpotBACKTask3Watchtheepisodeagainanddecidewhetherthefollowingstatementsaretrue(T)orfalse(F).PREV.BACK1.Arrangeforallyourstandingordersanddirectdebitstocomeoutofyourhigh-interestaccountasearlyinthemonthaspossible.2.Ifyougetpaidonthe1st,arrangeforyourstandingorderstocomeoutonthe30th.3.Fredrickmoves£800inbillstoaregularcurrentaccount.4.Ataninterestrateof6%he’llearnanextra£48everyyear.5.Wecangetmoneyfromthebank.()()()()FTFT()T TranscriptNEXTBACKImaginethere'sonedayayearwhereacompletestrangerhandsyoufiftypounds.Nowimaginethatwasguaranteedeveryyearfortherestofyourlife.That'slikebeinggivenapairofshoes,ortwentypints,orareallynicehair-cut,orasuitofunderwear.Ifyou'rearegularearner,thiscouldbeareality,sofollowoursimpleadvicetogetyourbanktopayyoumoneyfordoingabsolutelynothing!Mostbanksoffercurrentaccountswithhigherratesofinterestifyoucancommittopayinginacertainamountamonth.Shoparoundtofindthehighest-payingcurrentaccountyoucan,andthenarrangetohaveyoursalarypaidintoiteverymonth.Keepyourregularcurrentaccount,whichwon'tbepayingasmuchinterest,butwillprovideaholdingpotforyourspendingmoney;Workouthowmuchyoupayeverymonthinstandingorders,directdebitsandanyother Transcriptregularpayments.Includeyourrentormortgage,insurancepaymentsandallyourutilitybills.Subtractthistotalfromyourmonthlysalary;Theremainderisyourstospendasyoulike,sotransferitintoyourregularcurrentaccount,leavingthemoneyforyourdirectdebitsinyourhighinterestaccount.Arrangeforallyourstandingordersanddirectdebitstocomeoutofyourhigh-interestaccountaslateinthemonthaspossible.Ifyougetpaidonthe1st,arrangeforyourstandingorderstocomeoutonthe30th.Thiswillmeanthatforthose30daysthemoneywillbesittinginyouraccountearningyouinterest.Fredrickearns£1,500permonth,whichispaidintoahighinterestcurrentaccountonthe1stofeverymonth.Heworksoutthathepays£800inbillssoleavesthiswhereitisandmovestheother£700toaregularcurrentaccount.Hethenarrangesforhisbillsandstandingorderstocomeoutofhishighinterestaccountonthe28thofthemonth,meaning£800issittinginhishighNEXTPREV.UP Transcriptinterestaccountforthebestpartof4weeks.Ataninterestrateof6%he'llearnanextra£48everyyear!BACKPREV.想象一下每年都会有陌生人给你50英镑，而且这种事情是有保证的。这相当于一双鞋，或者20品脱的啤酒，或者一次很棒的理发，或者一套内衣。如果你有定期收入，那么这种好事完全可以变为现实。下面来看看我们的建议吧，让银行付钱给你，而且你什么都不需要做。大多数银行的现金账户的利率都会高一些，前提是你能承诺每月花费一定数额的钱。仔细寻找利率最高的银行现金账户，然后定期把工资存进去。这个定期账户虽然不会赚到更多的利润，但是能在你需要花钱时提供额外的好处。记录一下你每个月需要花费的金钱数目，自动扣款、定期支付和其他常规付款，包括房租房贷、保险单和公共事务账单在内的常规项目。将这笔数目从工资里减去，把剩下的可以白由支配的资金存进定期账户中，然后用支付自动扣款的饯来赚取高利息。 TranslationNEXTBACK定期支付和自动扣款的扣款时间要尽可能地安排在月底。比如你在1号拿到工资，就要在月尾30号的时候再取钱进行支付。这意味着你的钱在30天里一刻不停地为你赚取利息。弗雷德里克每个月的工资是1500英镑，在每个月的第一天领工资。他算出自己所需的必要支出是800英镑，所以他把剩下的700英镑存进了定期账户。然后他把所有的账单支付日期都安排在了每个月的28号，这也就是说这800英镑每月都能创造4周的利息。按照6%的利率，他每年都能从银行多得48英镑！ TranslationBACKPREV.WordstoKnowVideoTaskBACKNewDevelopmentBank’sfirstLoanProjectOperatingStablyEpisode2producingavoltagewhenexposedtoradiantenergy(especiallylight)光电池的photovoltaic/ˌfəʊtəˌvəʊl'teɪɪk/

adj.WordstoKnow[oftenpassive](oftenusedinnewspapers)toreducesth.byalargeamount（常用于报章）大幅度削减；大大降低slash/slæʃ/ 

vt.gas,etc.thatissentoutintotheair排放物；散发物emission/ɪ'mɪʃn/  n.BACK(abbr.MW)aunitformeasuringelectricalpower;onemillionwatts兆瓦，百万瓦特（电能计量单位）megawatt/'meɡəˌwɒt/ 

n.WordstoKnow太阳能光伏电站solarphotovoltaicpowerstationBACKBACK中国人民大学出版社新实用英语视听说教程（第3册）第二版TranslationTranscriptNewDevelopmentBank’sfirst

projectinChina,ShanghaiLingangDistributedSolarPowerProject,issmoothly.ItwasmadepossiblethroughaloanfromtheNewDevelopmentBankofmorethan$33million.TheLingangdistributedtosolarpowerprojectsolarenergygeneratingpowerfromrooftopinstallations.Well,that’sinlinewithoneofthebank’sfoundinggoalstofinancesustainabledevelopmentprojectsintheBRICSandtheothermarkets.

______loanNEXTBACKTask1Watchtheepisodetwiceandthenfillinthemissinginformationyouhear._________running________involves________emergingNEXTPREV.UPTask2Watchtheepisodeagainandchoosethebestanswertoeachquestion.1.WhatdidthefirstinvestmentoftheBRICSNewDevelopmentBankfocuson?

B.Sustainablegreencompanies.A.Developingcountries.D.Developedcountries.C.Multinational.2.HowmuchdidShanghaiLingangHongboNewEnergyDevelopmentCompanytakeoutasaloanfromtheNewDevelopmentBankforitsproject?A.$33million.D.$83million.B.$53million.C.$13million.3.Byhowmanytonsofcarbonemissionsdothesolarphotovoltaicpowerstationaimtoslash?C.52,000.B.65,000.D.80,000.A.5,200.NEXTPREV.UPTask2Watchtheepisodeagainandchoosethebestanswertoeachquestion.4.Whenhadthetotalpowergenerationreachedabout220MMkWhaccordingtowhatthecompanysays?

D.BytheendofMay2022.A.BytheendofJune2022.B.BytheendofMarch2022.C.BytheendofAugust2022.5.HowmuchwillthephotovoltaicuserssavethecostofelectricityaccordingtoShanghaiLingang’sestimates?D.8.1millionRMB.A.6.1millionRMB.B.2.2millionRMB.C.6.2billionRMB.Task3Watchtheepisodeagainanddecidewhetherthefollowingstatementsaretrue(T)orfalse(F).PREV.BACK1.Fromitsfirstinvestment,theBRICSNewDevelopmentBankfocusedonsustainablegreencompanies.2.Thefinancingcostisquitefavorablewiththelowestinterestrate,whichis2.241%.3.BytheendofMay2022,thecompanysays,itstotalpowergenerationhadreachedabout220MMkWh.()()()TFTTask3Watchtheepisodeagainanddecidewhetherthefollowingstatementsaretrue(T)orfalse(F).PREV.BACK4.ThebankwillcontinuetoreduceitsoperationsinChinaandallofourmembercountries5.TheBRICSNewDevelopmentBankhashelpedtobringgreenandsustainabledevelopmenttoShanghai.()()FT TranscriptNEXTBACKNewDevelopmentBank’sFirstLoanProjectOperatingStablyTheNewDevelopmentBankisamultilateraldevelopmentbankestablishedbyBRICS.Fromitsfirstinvestment,theBRICSNewDevelopmentBankfocusedonsustainablegreencompanies.OneofthemishelpingreduceCO2emissionsinShanghai.CO2isitsownprofileofthebank’sfirstproject.NewDevelopmentBank’sfirstloanprojectinChina,ShanghaiLingangDistributedSolarPowerProject,isrunningsmoothly.ItwasmadepossiblethroughaloanfromtheNewDevelopmentBankofmorethan$33million.TheLingangdistributedsolarpowerprojectinvolvessolarenergygeneratingpowerfromrooftopinstallations.Well,that’sinlinewithoneof Transcriptthebank’sfoundinggoalstofinancesustainabledevelopmentprojectsintheBRICSandtheotheremergingmarkets.CarriedoutbyShanghaiLingangHongboNewEnergyDevelopmentCompany,itssolarphotovoltaicpowerstationaimstoslashcarbonemissionsby52,000tonsayear—generatingaround65megawattsofphotovoltaicpower.Thefinancingcostisquitefavorablewiththelowestinterestrate,whichis1.818%.However,nowthecurrentinterestrate,whichis2.241%,thelowfinancinginterestrateguaranteesthesmoothoperationoftheproject.BytheendofMay2022,thecompanysays,itstotalpowergenerationhadreachedaboutNEXTPREV.UP Transcript220MMkWh.ShanghaiLingangsaysthisshouldfurtherreducecarbondioxideemissionsbyabout175,000tons,theequivalentofabout80,000tonsofstandardcoal,eliminatingtheuseofthatmuchcoalshouldremovearound6,000tonsofsulfurdioxideandabout3,500tonsofnitrogenoxidesfromtheatmosphere.ByShanghaiLingang’sestimates,thatwillsavethecostofelectricityforphotovoltaicusersabout8.1millionRMB.It’salreadycontributetogreeningthefootprintofShanghai.WewillcontinuetodomoreprojectsinChina;thebankhasgotmultipleprojectswearecurrentlylookingatthroughoutvariousprovincesinChina.Manyoftheseprojects,asyoumightknow,wefundwithrenminbi,withlocalcurrency.SothebankwillcontinuetoincreaseitsoperationsinChinaandallofourmembercountries.NEXTPREV.UP TranscriptTheBRICSNewDevelopmentBankhashelpedtobringgreenandsustainabledevelopmenttoShanghai.MoreprojectsandinvestmentsareexpectedbythebankinChinaandinBRICSmembercountries.WangSiwen,CGTN,Shanghai.NEXTPREV.UP TranslationNEXTBACK新开发银行首个贷款项目稳定运行新开发银行是金砖国家设立的多边开发银行。从第一笔投资开始，金砖国家新开发银行就专注于可持续发展的绿色公司。其中之一是帮助减少上海的二氧化碳排放量。二氧化碳也是银行的第一个项目。新开发银行在国内的首个贷款项目——上海临港分布式光伏发电项目运行顺利。它是通过新开发银行超过3300万美元的贷款实现的。临港分布式太阳能项目涉及屋顶装置的太阳能发电。嗯，这符合该银行的创始目标之一，即为金砖国家和其他新兴市场的可持续发展项目提供资金。其太阳能光伏电站由上海临港弘博新能源开发公司实施，旨在每年减少碳排放5.2万吨，光伏发电量约为65兆瓦。融资成本相当优惠，利率最低将达到1.818%。但是，现在的利率是2.241%，低的融资利率保证了项目的顺利运行。 Translation该公司表示，到2022年5月末，其总发电量已达到约220MM千瓦时。上海临港表示，这将进一步减少二氧化碳排放量约17.5万吨，相当于约8万吨标准煤。少用这么多煤，将减少约6000吨二氧化硫和约3500吨氮氧化物排放。据上海临港测算，这将为光伏用户节省约810万元的电费。它已经为绿色上海的足迹做出了贡献。我们将继续在中国开展更多项目，该银行目前正在中国各个省份开展多个项目。您可能知道，其中许多项目都是用当地货币人民币资助的。因此，该银行将继续增加在中国和我们所有成员国的业务。金砖国家新开发银行助力上海实现绿色可持续发展。中国新开发银行以及金砖成员国家将会有更多的项目和投资。NEXTPREV.UPPartⅡLISTENINGCOMPREHENSIONBankingService中国人民大学出版社新实用英语视听说教程（第3册）第二版cash/kæʃ/n.tochangefromoneformorusetoanother使转变tosend(money,etc.)toapersonoraplace汇（款等）moneyincoinsornotes现款；现金convert/kən'vɜːt/vt.remit/rɪ'mɪt/vt.NEXTBACKapproval/ə'pruːvəl/n.anactoffeelingorshowingorsayingthatonethinkssth.isgoodoracceptableorsatisfactory赞成；认可；满意；同意）WordstoKnowrelationbetweenkindsofmoneyusedindifferentcountries兑换；兑换率exchange/ɪks'tʃeɪndʒ/n.cancel/'kæns(ə)l/v.tomovefromoneplacetoanother由一处转移到另一处toremove(money)fromabankaccount,etc.从银行账户提（款）；取（钱）topostponeindefinitelyorannulsomethingthatwasscheduled取消；删除transfer/træns'fɜː/vt.withdraw/wɪð'drɔː/vt.balance/'bæləns/n.differencebetweentwocolumnsofanaccount,i.e.moneyreceivedorowingandmoneyspentorowed收支差额；余额WordstoKnowpropertypledgedasaguaranteeforthepaymentofaloan担保物；抵押物collateral/kə'lætərəl/n.NEXTPREV.UPdivide/dɪ'vaɪd/ n.failuretodosomethingesp.topayadebt拖欠付款donewithoutdelay及时地；准时地；迅速地）lineofhighlandseparatingtworiversystems分水线default/dɪ‘fɔːlt/n.promptly/'prɒmptli/adv.millennium/mɪ'lenɪəm/n.aspanofonethousandyears一千年；千禧年WordstoKnowthatcancontinueorbecontinuedforalongtime

可持续的sustainable/sə'steɪnəbl/adj.NEXTPREV.UPaverbalcontroversy;adebate;aquarrel口头辩论；争论，争吵dispute/dɪ'spjuːt/n.BACKPREV.WordstoKnow活期存款账户currentaccount取款单withdrawalform汽车贷款autoloan赊销账户；信用账户chargeaccount=creditaccount1.A:Iwanttoborrowsomemoneyfromyourbank.What’stheinterestratenow?B:Youcangetat10percentinterest.2.A:IwanttoconvertdollarsintoRenminbiYuan.B:Yes,whatdoyouhave?Canadiandollars?Singaporedollars?Or…3.A:I’dliketowithyourbank.Couldyougivemesomeinformation?

B:.Doyoulikeacurrentaccountoratermone?_____________Directions:Listentothedialoguesandfillintheblankswiththewordsyouhear.apersonalloan________ShortConversationsNEXTBACKineffect___________Mypleasure_____________openanaccount_____________severalthousand________currencyDirections:Listentothedialoguesandfillintheblankswiththewordsyouhear.4.A:Hi,Barry.I’mgoingtothebankto.Youworkinabank,sowill

youpleasetellmehowtodoit?

B:I’dloveto.First,youarerequiredtofillintheapplication.Upontheapprovalof

thebythebank,youcanhandforeignexchangetotheclerk.5.A:Excuseme,I’mLeoFolsom.I’msomemoneyfromJapan.Isitin?B:Justamoment,please.I’llgoandcheck…Mr.Folsom,thetransferhasarrived,andwe’vemadefor$2,000toyouraccount._______________ShortConversationsBACKPREV._________________________________remitsomecashcompletedformexpectingacreditentryDirections:Listentothedialoguesandchoosetherightanswertoeachofthefollowingquestions.YouwillhearadialoguebetweenAnne,whoisacustomerandJeff,whoisabankclerk.Dialogue1TranscriptSituationalDialoguesNEXTBACK1.Whatdoesthewomanwanttodo?B.TowithdrawmoneyA.Toopenanaccount.D.Tocancelheraccount.C.ToborrowsomemoneySituationalDialoguesDirections:Listentothedialoguesandchoosetherightanswertoeachofthefollowingquestions.NEXTPREV.UP3.Doesthewomanoftenwithdrawmoneyfromthebank?B.No.A.Yes.D.Shewithdrawsmoneyeveryweek.C.Idon’tknow.2.Whatshouldyoustateapartfromthedate,theaccountnumber,yournamewhen

fillingthewithdrawalform?D.Theamountyouwanttowithdraw.C.Yourtelephonenumber.A.Yourwife’sname.B.Theamountofyourbalance.SituationalDialoguesDirections:Listentothedialoguesandchoosetherightanswertoeachofthefollowingquestions.NEXTPREV.UP4.Howmuchistheminimumbalanceifyouwanttokeepyouraccountactive?B.1dollar.A.50dollars.D.0.5dollar.C.5dollars.5.Howmuchmoneydidthewomanwithdrawatlast?C.$550.B.$50.D.$600.5.A.$600.Inthisdialogue,Winfredwantstoapplyaloantobuyanewcar.HeisaskingKerry,theloanofficer,forsomeinformation.Dialogue2TranscriptDirections:Listentothedialoguesandchoosetherightanswertoeachofthefollowingquestions.SituationalDialoguesNEXTPREV.UP1.WhatkindofquestiondidWinfredaskfirst?A.What’stheinterestratesofautoloans?D.CanIhelpyou?C.DoIhavetogivethebankanycollateral?B.DoIhaveanychargeaccounts?Directions:Listentothedialoguesandchoosetherightanswertoeachofthefollowingquestions.SituationalDialoguesNEXTPREV.UP2.ForhowlongwillWinfredhavetomakemonthlypayments?B.36months.A.Twoyears.D.4years.C.3months.3.Whatservesasthecollateral?B.Winfred’scar.A.Winfred’shouse.D.Winfred’screditcard.C.Winfred’sdeposit.Directions:Listentothedialoguesandchoosetherightanswertoeachofthefollowingquestions.SituationalDialoguesBACKPREV.4.WhatwillthebankdoifWinfreddefaults?D.It’lltakepossessionofhiscar.C.It’llwithdrawhiscreditcard.A.It’lltakethepossessionofhishouse.B.It’llinformhiscompany5.Whywillthebankcheckhiscreditfiles?C.Toseeifhealwayspaidbackhisloansinthepast.D.Toseeifhehasachargeaccount.A.Toseeifhefillsoutthisloanapplication.B.Toseewhetherhehasenoughmoney.PassageListening1.Directions:Listentothepassageandfillinthemissingwordswiththeexactwordsyouhear.The“WorldBank”isthenamethathascometobeusedfortheInternationalBankforReconstructionandDevelopment(IBRD)andtheInternationalDevelopmentAssociation(IDA).Togethertheseorganizationsprovidelow-interestloans,interest-freecredits,andtodevelopingcountries.TheWorldBankworksto

thedividebetweenrichcountriesandpooronesandturnrichcountry

intopoorcountrygrowth.Asoneoftheworld’slargestsourcesofdevelopmentassistance,it

theeffortsofdevelopingcountryNEXTBACK______grants__________resources_______bridge__________supportsgovernmentstobuildschoolsandhealthcenters,providingwaterandelectricity,fightingdiseases,andprotectingthe

.TheWorldBankisnota“bank”inthecommon

.ItisoneoftheUnitedNations’specializedagencies,andismadeupof184membercountries.Thesecountriesarejointly

forhowtheinstitutionisfinancedandhowitsmoneyisspent.Alongwiththerestofthedevelopingcountries,theWorldBankfocusesitseffortsonreachingtheMillenniumDevelopmentGoals,whichwasagreedtobyUNmembersin1.Directions:Listentothepassageandfillinthemissingwordswiththeexactwordsyouhear.PassageListeningNEXTPREV.UP_____________environment_________sense_____________responsible2000andaimedatsustainablepoverty.ApartfromIBRDandIDA,threeotherorganizationsmakeuptheWorldBankGroup.TheInternationalFinanceCorporation(IFC)promotes

sectorinvestmentbysupportinghigh-risksectorsandcountries.TheMultilateralInvestmentGuaranteeAgency(MIGA)providespoliticalriskinsurancetoinvestorsandlenderstodevelopingcountries.AndtheInternationalCenterforSettlementofInvestmentDisputes(ICSID)settlesinvestmentdisputesbetweenforeigninvestorsandtheir

countries.1.Directions:Listentothepassageandfillinthemissingwordswiththeexactwordsyouhear.PassageListeningNEXTPREV.UP_________private_________reduction______hostPassageListening2.Directions:Listentothepassageagainandanswerthefollowingquestionsinbrief.(1)HowmanymembercountriesistheWorldBankmadeupof?TheWorldBankismadeupof.NEXTPREV.UP___________________184membercountries(2)WhatarethefunctionsoftheWorldBank?

Itworkstobetweenrichcountriesandpooronesandturnrich

countryresourcesintopoorcountrygrowth.________________bridgethedivide(3)WhatorganizationsmakeuptheWorldBankGroup?ApartfromIBRDandIDA,makeuptheWorldBankGroup.________________IFC,MIGA,ICSIDPassageListening2.Directions:Listentothepassageagainandanswerthefollowingquestionsinbrief.TranscriptBACKPREV.(4)What’stheaimoftheMillenniumDevelopmentGoals?Itaimsat.________________________sustainablepovertyreduction(5)Whatarethemembercountriesjointlyresponsiblefor?

Thesecountriesarejointlyresponsibleforhowthemoneyisand

bytheinstitution._________received______spentUsefulSentencePatterns1.theInternationalBankforReconstructionandDevelopment(IBRD)国际复兴开发银行2.theInternationalDevelopmentAssociation(IDA)国际开发协会3.theInternationalFinanceCorporation(IFC)国际金融公司4.theMultilateralInvestmentGuaranteeAgency(MIGA)多边投资担保机构5.theInternationalCenterforSettlementofInvestmentDisputes(ICSID)解决投资争议国际中心BACK TranscriptNEXTBACKJeff:Anne:Jeff:Anne:Jeff:Anne:Jeff:Goodmorning,madam.WhatmayIdoforyou?Iwanttowithdrawmoneyfrommyaccount.Therearesomewithdrawalformsonthecounteroverthere.Pleasefilloneout,statingtheamountyouwanttowithdraw;thedate,youraccountnumber,andyourname.Thencomebackherewhenyou'vefinished.OK.Thanks...Herearetheformandmypassbook.Pleasekeyinyourpassword...Yourpasswordisn'tacceptable.Willyoutryagain?It'sbeensolongsinceImademylastwithdrawal.Letmetryanotherone.Itworks.Yourbalanceis$600.5,andyouwanttowithdraw$600.Doyouwanttocancelyouraccount? TranscriptBACKPREV.Anne:Jeff:Anne:Jeff:Anne:Jeff:Anne:Bynomeans.Thenyou'llhavetohavethebalanceofonedollaratleasttokeepyouraccountactive.Onedollaristheminimumbalance.I'msorryIdidn'trealizeit.Itdoesn'tmatter.Justfilloutanotherslip.Fine...Excuseme.Couldyouchecktoseewhetheritisailrightnow?I’llwithdraw$550onlyandkeepabalanceofabout$50.Yes...Hereis$550youwanttowithdraw.Thankyousomuch. TranscriptKerry:Winfred:Kerry:Winfred:Kerry:Winfred:Kerry:Winfred:Hello,sir.IsthereanythingIcandoforyou?Iwanttoborrowsomemoneytobuyacar.IknowverylittleaboutloansandIhopeyoucanexplainthingstome.IwilltryWhatquestionsdoyouhaveforme?First,Iwanttoknowtheinterestratesofloansforbuyingcars.Therateofinterestcurrentlyineffectonautoloansis15%.ForhowlongwillIhavetomakemonthlypayments?Thetermoftheloanisthreeyears,sotherewillbe36monthlypayments.DoIhavetogivethebankanycollateral?NEXTBACK TranscriptBACKPREV.Kerry:Winfred:Kerry:Winfred:Thecarservesasthecollateral.Ifyoudefault,thebankcantakepossessionofthecar.Thebankwillalsocheckyourcreditfiletomakesurethatyoualwayspaidbackyourloansinthepast.Doyouhaveanychargeaccounts?Yes,Ido.Iuseditalot,forexample,IusedittobuyticketstotheSouthernGreatWallinFenghuangCounty.Ipaidoffthedebtpromptly.That'sverygood.Ithinktherewillbenoproblem.Willyoupleasefilloutthisloanapplication?Thanks.Iwillstartrightaway. TranscriptThe"WorldBank"isthenamethathascometobeusedfortheInternationalBankforReconstructionandDevelopment(IBRD)andtheInternationalDevelopmentAssociation(IDA).Togethertheseorganizationsprovidelow-interestloans,interest-freecredits,andgrantstodevelopingcountries.TheWorldBankworkstobridgethedividebetweenrichcountriesandpooronesandturnrichcountryresourcesintopoorcountrygrowth.Asoneoftheworld'slargestsourcesofdevelopmentassistance,itsupportstheeffortsofdevelopingcountrygovernmentstobuildschoolsandhealthcenters,providingwaterandelectricity;fightingdiseases,andprotectingtheenvironment.TheWorldBankisnota“bank”inthecommonsense.ItisoneoftheUnitedNations'specializedagencies,andismadeupof184membercountries.Thesecountriesarejointlyresponsibleforhowtheinstitutionisfinancedandhowitsmoneyisspent.Alongwiththerestofthedevelopingcountries,theWorldBankfocusesitseffortsonreachingtheMillenniumDevelopmentNEXTBACK TranscriptGoals,whichwasagreedtobyUNmembersin2000andaimedatsustainablepovertyreduction.ApartfromIBRDandIDA,threeotherorganizationsmakeuptheWorldBankGroup.TheInternationalFinanceCorporation(IFC)promotesprivatesectorinvestmentbysupportinghigh-risksectorsandcountries.TheMultilateralInvestmentGuaranteeAgency(MIGA)providespoliticalriskinsurancetoinvestorsandlenderstodevelopingcountries.AndtheInternationalCenterforSettlementofInvestmentDisputes(ICSID)settlesinvestmentdisputesbetweenforeigninvestorsandtheirhostcountries.BACKPREV.PartⅢSPEAKINGDEVELOPMENTBankingService中国人民大学出版社新实用英语视听说教程（第3册）第二版英美等西方国家的金融服务业非常发达，业务种类繁多，服务水平也很高。不管你是移民还是留学，抑或是短期逗留，银行是不可能不去的，在那里你可以得到满意的服务。开立账户是你到银行首先要做的事情，因为不管是现金还是支票都可以通过银行进行必要的周转，这使你的日常生活更加方便和安全。在像美国这样的西方国家，人们跟现金打交道的机会很少，都把钱存到银行的账户中，因为携带大量现金不但不方便，而且还很危险。出门在外，信用卡是最实用的消费工具。在美国，个人支票也是生活中一个不可缺少的消费手段，支付房租、购买食品、外出旅行等都可以使用个人支票付账，而不用携带现金。消费完