新编金融英语听说教程U4-4.pptx

PeriodIVLOANS

Contents

LearningObjectives

Listentoashortparagraphaboutloansthreetimes.Takenoteswhileyouarelistening.Thentrytointerpretitwiththehelpofyournotes.

Inaloan,theborrowerinitiallyborrowssomemoneyfromthelender,andrepaysanequalamountofmoneyandinteresttothelenderatalatertime.Asecuredloanisaloaninwhichtheborrowerpledgessomeassetsascollateral.Amortgageloanisaverycommontypeofloanusedbymanypeopletopurchasethings.Thebank,however,isgivencollateraluntilthemortgageispaidoff.Iftheborrowerdefaultsontheloan,thebankwouldhavetherightstopossessthethingandsellittorecovertheloan.

贷款就是借款人向贷款人借钱，一段时间后，借款人向贷款人偿还等额的钱以及利息。担保贷款是借款人以资产做抵押的贷款。抵押贷款是一种非常常见的贷款形式，许多人通过申请抵押贷款来添置物品。然而，在抵押款未付清之前，银行将拥有抵押品。如果借款人违约，银行将有权收回物品并出售，收回欠款。

Discussthefollowingquestionsingroups.Thephrasesbelowwillbehelpful.

DosomeresearchonthesubprimecrisisintheUS,andlistthecausesandeffectsofthesubprimecrisis.Thenpresentyourresearchinclass.

/what-is-subprime-crisis/

Whatisaloan?Let’smakeaconclusionaboutallwehavelearnedfromthisunit.Howmanynamesoftheloanscanyounamenow?Doyouknowhowtomakealoanapplication?

Role-playaconversationinpairsaccordingtothesituationandtasksgivenbelow.ThemanageroftheCreditDepartmentcomestotheofficeofthepresidentwithaportfolioinhishand.Heistodiscussthepersonalconsumerdurablesloanproposalwiththepresident.Theyaretodecidewhetherornottogranttheloan.

KnockonthedoorandaskifhecancomeinTellaboutthepurposeofcomingtohisbossReporttohisbossthedetailsofthecase-Theloanapplicant’spersonaldata-Thepurposeoftheloan-Thesourceoftherepayment-Thecollateral-Therepaymentplan-Thecreditrecordoftheapplicant

GreethissubordinateofficerAskaboutthepurposeofthemanager’scomingAskabouttheperso