Unit 4 Everyday economics Using language 课件（共50张，内嵌音频） 2024-2025学年高二英语外研版（2019）选择性必修4
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| 名称 | Unit 4 Everyday economics Using language 课件（共50张，内嵌音频） 2024-2025学年高二英语外研版（2019）选择性必修4 |  | |
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| 文件大小 | 10.9MB | ||
| 资源类型 | 教案 | ||
| 版本资源 | 外研版（2019） | ||
| 科目 | 英语 | ||
| 更新时间 | 2025-04-23 16:13:45 | ||
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(共50张PPT)
Unit 4 Everyday economics
Using language
To review attributive clauses and master their use in
real contexts.
To learn and apply vocabulary and expressions related to personal financial management, understand its management principles, and learn to apply them in real life.
To pay attention to the construction of personal credit system, standardize financial management, develop good personal credit, and establish a correct view of money and values.
Learning objectives
conventional adj. 传统的，常规的 54
discriminate v. 不公正地区别对待，歧视
54
equator n. 赤道 54
estate n. 庄园 54
superior adj. 质量上乘的，优质的 54
mild adj. 不浓烈的，淡的 54
calorie n. 卡（路里） 54
subjective adj. 主观的 55
* freshman n. （高中或大学的）一年级学生 56
make ends meet 使收支能相抵 56
Words and expressions
* afloat adj. 经济上周转的开的；不欠债的
56
* interfere v. 介入；干涉 57
interfere with 妨碍，阻止 57
* rational adj. （想法、决定等）合理的，基于理性的 57
* exceed v. 超过，超出 57
go into debt 陷入债务中，负债 57
financial adj. 财政的，金融的；财务的 57
* accumulate v.积累，积聚 57
automatically adv. 自动地 57
词汇复习
重点词汇
1. calorie n.
2. exceed v.
3. rational adj.
4. afloat adj.
5. mild adj.
6. equator n.
7. estate n.
8. conventional adj.
卡(路里)
超过;超出
(想法、决定等)合理的;基于理性的
经营上周转得开的;不欠债的
不浓烈的;淡的
赤道
庄园
传统的;常规的
Revision
词汇复习
9. v.不公正地区别对待,歧视
10. adj.质量上乘的;优质的
11. adj.主观的
12. n.(高中或大学的)一年级学生
13. v.介入;干预
14. adj.财政的;金融的;财物的
15. v.积累;集聚
16. adv.自动地
discriminate
superior
subjective
freshman
interfere
financial
accumulate
automatically
重点词汇
Revision
词汇复习
重点短语
1.discriminate against
2.stay afloat
3.keep...in mind
4.be out of debt
5. 使收支相抵
6. 妨碍;干扰
7. 欠债
8. 优于……;胜过……
歧视
顺利运营
记住……
不欠债
make ends meet
interfere with
go into debt
be superior to
Revision
词汇复习
感知以下句子，补全方框下的小题
1. The increased responsibilities brought out her best qualities that were beyond most people.
2. The famous writer is going to talk about the European countries and people that he has visited in the past two months.
3. We will put off the picnic in the park until next week，when the weather may be better.
4. We all live with a certain degree of stress，but there is a point where it becomes unmanageable，causing physical and mental illness.
语法引入
Lead-in
5. Is this the reason that/which he explained at the meeting for his carelessness in his work
6. The number of smokers，as is reported，has dropped by 17 percent in just one year.
7. Choose a famous person whose accent you admire，and imitate the way he or she speaks.
8. Titled Pain，the book contains 51 poems，most of them written in the past three years，Zhao told China Daily in Beijing.
语法引入
Lead-in
1.由第1句可知，当先行词被 修饰时，关系代词常用that。
2.由第2句可知，当先行词 时，关系词要用that。
3.第3句的定语从句中缺少 ，故关系词用when。
4.由第4句可知，当先行词是 且从句中不缺少主要成分时，要用 _______引导定语从句。
5.第5句表明，尽管先行词是reason，但定语从句中缺少宾语，故要用关系代词引导定语从句，而不用 。
6.第6句中的定语从句修饰的先行词是 ，且从句插在主句之中，此时只能用____引导。
7.由第7句可知，定语从句中的名词accent缺少 ________，故用whose引导。
8.第8句中逗号中间的部分没有谓语动词，故不是句子，所以不能填连词，此处是 __________结构。
最高级
既有人又有物
时间状语
抽象名词
where
why
整个主句内容
as
定语
独立主格
Lead-in
语法引入
Review: attributive clauses
复习：定语从句
1 What does "where"refer to in sentence (a)
2 What does "which"refer to in sentence (b)
3 Which sentence contains a clause with essential information about the subject
4 Which sentence contains a clause with extra information about the subject
a This is a place where roses grow wild.
b The biggest challenge at the initial phase was to persuade people to work for me,which was totally outside my experience.
Look at the sentences from the reading passage and answer the questions.
1
“Where” in sentences (a) refers to “a place”.
“Which” in sentences (b) refers to “to persuade people to work for me”.
Sentence (a).
Sentence (b).
Activity 1
语法引入
Now look for more sentences with attributive clauses in the reading passage.
1. She couldn't, however, hide the line of sweat running down her forehead, which was caused partly by the heat of the television studio, but more by fear of the four people seated in front of her.
2. Zhang therefore decided to return to her home town and grow roses, which surprised many people.
3. As someone who grow up in the country, Zhang already knew about growing plants.
4. However, like any entrepreneur who was just starting out, she still had a lot to learn.
5. Seeing her peers who also dream of success and independence, Zhang has mixed feelings.
6. For young people who have little life experience, that can be a challenge.
Activity 1
语法引入
● 修饰限定名词
● 翻译为“……的”
interesting man
有趣的(形容词)
woman teacher
女的(名词)
a boy called Li Hua
一个叫李华(非谓语)
a girl from China
来自中国的(介词短语)
定语的定义
定语的形式
他是 一 个有 趣 的老人。
他是一位来自美国的老人。
Attributive Clauses定 语 从 句
GRAMMAR
Activity 1
趣解语法
定语从句的定义
●一个句子作定语，用来修饰名词或代词
He is an old man who sends gifts to children.
先行词 关系词 定语从句
名词或代词 是一个不完整的句子
(缺成分)
Activity 1
趣解语法
He is an old man who sends gifts to children.
关系词
关系词
● 连接主句和从句
● 指代先行词
● 在从句中充当成分
关系代词
who
whom
whose
that
which
关系副词
when
where
why
Activity 1
趣解语法
一、定语从句的句法功能及相关定义
1.功能：相当于形容词，修饰名词或代词，在句中作定语。
2.位置：定语从句常置于被修饰词之后；as引导的非限制性定语从句可置于主句前、句中或主句之后。
Those who are for the plan raise your hands，please.
As is known to us all，the earth is spinning around the sun.
3.先行词：被定语从句修饰的词称为先行词。
先行词一般是名词和不定代词，如：some，any，every，no 与 body，thing的合成词或all，none，any，some，that，those等代词。数词和人称代词也同样可作先行词。
4.关系词：连接先行词与从句的词叫关系词。
关系代词：who，whom，which，that，whose，as等。
关系副词：when，where，why等。
Activity 1
语法精讲
定语从句复习
二、定语从句的核心考点
1.确定关系词的步骤：
(1)先找先行词，看先行词指的是什么。
(2)看关系词在从句中所充当的成分。
注意：先行词与关系词是等量关系。
(1)先行词在从句中作主语时，从句谓语动词的数由先行词而定。
This is the place which is worth visiting.
(2)关系词在从句中充当了成分，其意思就是先行词的意义，所以在从句中不能重复其意。There are many places that/which we can visit in China.
2.在定语从句中，当先行词指物时，下列情况的关系词宜用that而不用which：
(1)当先行词是序数词或形容词最高级或被序数词、形容词最高级修饰时。
(2)先行词被all, every, no, some, any, little, much, the only, the very, few等修
饰时。
Activity 1
语法精讲
定语从句复习
(3)先行词为all，much，little，none，few，something，anything等不定代词时。
(4)先行词中既有人又有物时。
He was looking pleasantly at the children and parcels that filled his bus.
(5)先行词在主句中作表语时。
The village is no longer the one that was 5 years ago.
(6)当主句是以which开头的特殊疑问句时。
Which are the books that you bought for me
3.宜用which而不用that的情况：
(1)在非限制性定语从句中。
(2)在关系词前有介词时。
(3)当先行词本身是that时。
(4)关系词后有插入语时
Activity 1
语法精讲
定语从句复习
4.关系词who与that指人时，根据不同情况分别用不同的关系词：
(1)当主句是there be句型时，关系词用who。
(2)先行词是anyone，those(指人)，someone，everyone，one等词时，关系词用who。
(3)当主句是who作疑问词时，关系词用that。
Who is that girl that is standing by the window
(4)whom在从句中只作宾语，可被who取代。
5.whose作关系词既指人又指物，在从句中作定语。
Do you know Mr Smith whose story is very moving
There is a room，whose window faces the river.
6.关系代词as在从句中作主语、宾语或表语。
(1)先行词被such和the same修饰，或句型as many(much)中，从句都用as 引导。
Such books as you bought are useful.
The school is just the same as it was 10 years ago.
Activity 1
语法精讲
定语从句复习
注意：
①such...that...引导结果状语从句。
如：They are such lovely children that we love them very much.
②the same...that...引导定语从句。
如：I want to use the same tool that you used just now.
(2)先行词为主句，定语从句用as或which引导。
区别：①意义上：as 含有“这点正如……一样”。
②位置上：as 从句可置于句首，也可在句中或句尾；which引导的非限制性定语从句只能放在主句之后。
He didn’t pass the exam，as we had expected.
There is lots of air in loose snow，which can keep the cold out.
As is known，the earth is round.
Activity 1
语法精讲
定语从句复习
7.关系副词when与where，why，that：
when 指时间＝in/at/on/during which
where指地点＝in/at/from which
why指原因＝for which
that可以用于表示时间、地点、方式、理由的名词之后，取代when，where，why和“介词＋which”引导的定语从句，修饰的先行词常为the way，the time，the day，the place等，在口语中that常被省略。
I don’t like the way (that/in which) he talks.
This is the first time I have given you a lesson in French.
8.必须注意的问题：
(1)关系词作主语时，从句中谓语的数。
(2)注意区别定语从句与强调句。
①定语从句中关系词作从句成分。
Activity 1
语法精讲
定语从句复习
②强调句中it无意义，that/who不是引导词。
③去掉it is/was和that/who后，如果句子意思讲得通则是强调句，讲不通则不是。
It is the museum that/which we visited last year.(定语从句)
It was in the hotel that we stayed last night.(强调句)
(3)定语从句与同位语从句的区别。
①定语从句的引导词被称为关系词，that充当主语、宾语、表语，有时可省略。
②同位语从句的引导词叫做连接词，that不充当任何成分，不可省。
Word came that their army was defeated.(同位语从句)
We expressed to them our wish that was the same as theirs.(定语从句)
(4)关系词在从句中省略的情况。
①关系词作宾语，前无介词时。
②关系词作表语。
(5)关系词前有介词或复杂介词，关系词只能是which或whom。
Activity 1
语法精讲
定语从句复习
(6)几个特殊的定语从句句型：
①He is the only one of the students who has got very good marks in
the match.
(句中one为先行词)
He is one of the students who have got good marks in the match.
(句中students为先行词)
②Is this place the one (that) we visited yesterday
Is this the place (that/which) we visited yesterday
③He stood at the window，from where he could see what was happening.
④It may rain，in which case the match will be put off.
Activity 1
语法精讲
定语从句复习
Ⅰ.用合适的关系词填空
1.This is the factory I visited last year.
2.This is the factory I worked last year.
3.The reason he gave is unbelievable.
4.The reason I went was that I wanted to meet your friends.
5.I don’t like the way she speaks to her parents.
6.I don’t like the way you taught me.
7.I won’t forget the day I joined the army.
8.I won’t forget the day I spent with you on the farm.
9.The basketball team，_______ is playing very well，will come out first.
10.The basketball team，_____ are having a rest，will begin another match in twenty minutes.
11.There was one point __________ we must insist on.
12.After graduation，she reached a point in her career ______she needed to decide what to do.
that/which
where
that/which
why
that
that/which
when
that/which
Activity 1
语法专练
which
who
that/which
where
Ⅱ.用定语从句合并句子
1. I still remember the sitting room. My mother and I used to sit in the sitting room in the evening.
2. Can you lend me the novel You talked about the novel the other day.
3. His parents wouldn’t let him marry anyone. Her family was poor.
4. I don’t like the way. You speak to her in this way.
I still remember the sitting room where/in which my mother and I used to sit in the evening.
Can you lend me the novel (that/which) you talked about the other day
His parents wouldn’t let him marry anyone whose family was poor.
Activity 1
语法专练
I don’t like the way that/in which you speak to her.
5.We live in an age. More information is available with greater ease than ever before at this age.
6. Do you still remember one evening a week ago I came to your room and borrowed a diamond necklace a week ago.
7. I wish to thank Professor Smith. I would never have got this far without
his help.
_____________________________________________________________
8. Can you explain the reason For this reason you don’t want to help him.
We live in an age when more information is available with greater ease than ever before.
Do you still remember one evening a week ago when I came to your room and
borrowed a diamond necklace
Activity 1
语法专练
Ⅱ.用定语从句合并句子
I wish to thank Professor Smith，without whose help I would never have got this far.
Can you explain the reason why/for which you don’t want to help him
Activity 2
语法专练
Read the passage and rewrite the underlined sentences using attributive clauses.
2
Good Deal is a local movement in some countries. It works to help farmers and workers in less developed areas receive a better deal for their produce. Good Deal products may be a little more expensive than regular products, but up to one-third of the sale price will be given back to the producers. This is more than they could get under the conventional trading system.
The movement has proven popular among young people, and they want to help producers get the payment they deserve. They have no problem spending a bit more on Good Deal products, believing that their purchasing of these products will help improve local people’s welfare.
However, some people are less optimistic, and argue that it discriminates against producers not part of the Good Deal movement.
“好交易”是一些国家的地方性运动。它致力于帮助欠发达地区的农民和工人以更好的价格购买他们的产品。物美价廉的产品可能比普通产品贵一点，但高达销售价格的三分之一将返还给生产商。这比他们在传统贸易体系下所能得到的要多。
事实证明，这一运动在年轻人中很受欢迎，他们希望帮助生产商获得应得的报酬。他们在物美价廉的商品上多花一点钱是没有问题的，因为他们相信购买这些商品将有助于改善当地人民的福利。
然而，一些人不那么乐观，他们认为这是对不属于“划算交易”运动的生产商的歧视。
Activity 2
语法专练
Read the passage and rewrite the underlined sentences using attributive clauses.
2
Good Deal is a local movement in some countries. It works to help farmers and workers in less developed areas receive a better deal for their produce. Good Deal products may be a little more expensive than regular products, but up to one-third of the sale price will be given back to the producers. This is more than they could get under the conventional trading system.
The movement has proven popular among young people, and they want to help producers get the payment they deserve. They have no problem spending a bit more on Good Deal products, believing that their purchasing of these products will help improve local people’s welfare.
However, some people are less optimistic, and argue that it discriminates against producers not part of the Good Deal movement.
Good Deal is a local movement in some countries(,) which works to help farmers and workers in less developed areas receive a better deal for their produce.
The movement has proven popular among young people who want to help producers get the payment they deserve.
However, some people who are less optimistic argue that it discriminates against producers who are not part of the Good Deal movement.
Activity 3
语法专练
Read the profile and write an introduction to a Good Deal product using attributive clauses where appropriate.
3
Price:
$ 25 per kg
Origin:
grown on the Green Equator Estate
Special features:
100% organic
superior, smooth blend, with mild flavour
less than one calorie per cup
Good Deal guarantee:
one-third of the sale price returned to local producers
Green Equator Coffee is a Good Deal product, which sells at...
Green Equator Coffee is a Good Deal product, which sells at...
Green Equator Coffee is a Good Deal product, which sells at the price of $25 per kg. It is grown on the Green Equator Estate, whose coffee is 100% organic. It is a superior, smooth blend with a mild flavour, which has less than one calorie per cup. The product is sold under the Good Deal guarantee, which promises that one-third of the sale price will be returned to local producers.
Activity 3
语法专练
Read the profile and write an introduction to a Good Deal product using attributive clauses where appropriate.
3
Activity 4
语法专练
Work in pairs. Write an introduction to something you have bought recently using attributive clauses where appropriate.
4
the object
shape
color
place to buy it
who usually use it
price
place of origin
function
Activity 4
语法专练
Work in pairs. Write an introduction to something you have bought recently using attributive clauses where appropriate.
4
Recently, I purchased a pair of headphones that have become a fantastic addition to my collection. They are black in color, featuring a sleek and modern design which immediately caught my eye. Made of high-quality materials, these headphones ensure durability and comfort, making them a pleasure to use for extended periods. Being lightweight and easy to carry, they are perfect for travel, allowing me to enjoy my music wherever I go.
The headphones are priced reasonably, which makes them an affordable option for anyone seeking good sound quality without breaking the bank. Designed for use by people of all ages, they have a versatile appeal that suits a wide range of listeners. Moreover, they are made in China, a country renowned for its manufacturing expertise, which adds to their credibility and quality.
Available for purchase at various electronics stores, these headphones are easily accessible to anyone looking to upgrade their audio experience. In summary, the headphones provide excellent sound quality, comfort, and style, all wrapped up in a package that is both affordable and versatile.
最近，我买了一副耳机，它成为了我收藏中的绝佳新品。这副耳机是黑色的，设计时尚现代，一下子就吸引了我的目光。它采用优质材料制成，确保了耐用性和舒适性，让我能够长时间愉悦地使用。它轻便且易于携带，非常适合旅行，让我可以随时随地享受音乐。
这副耳机的价格很合理，是寻求良好音质而不愿花费太多的人的负担得起的选择。它适合各年龄段的人使用，具有广泛的吸引力，适合各种听众。此外，它是在以制造专长闻名的中国制造的，这更增加了它的可靠性和质量。
这副耳机可在各大电子产品商店购买，任何想要升级听觉体验的人都可以轻松买到。总之，这副耳机集出色的音质、舒适度和时尚风格于一身，而且价格实惠、用途广泛。
Social credit
Activity 5
你知道吗？
Credit or the offering of money loans for repayment, has existed since the Bronze Age. For most of this history, lenders relied mainly on their judgement when deciding whether or not a borrower was creditworthy. With the development of information technology and data analysis, more and more countries are building their own credit systems with objective credit rating methods. People's activities such as credit card payments, loan payments, etc, are recorded and scored, and will affect their future
credit worthiness.
信用或提供金钱贷款偿还体系，自青铜时代就存在了。 在这段历史的大部分时间里，贷款人主要依靠自己的判断来决定借款人是否有信用。 随着信息技术和数据分析的发展，越来越多的国家都在建立自己的信用体系，采用客观的信用评级方法。 人们的活动，如信用卡支付、贷款支付等，都被记录和评分，并将影响他们未来的信用价值。
Activity 5
你知道吗？
> What is credit
Credit means the offering of money loans for repayment, or the status of being trusted to pay back money to the lenders.
> How is a person's creditworthiness judged in different times
In the past, a person's creditworthiness mainly relied on the
lenders' subjective judgement. At present, it is judged according to objective credit rating methods.
> What activities will affect a person's future creditworthiness
People's activities such as credit card payments, loan payments, etc, will affect their future creditworthiness.
Activity 5
听力课堂
Listen to the conversation and choose the topics discussed.
5
1. The tips to book a good hotel.
2. The importance of being creditworthy.
3. The origin of the credit system.
4. The benefits of a social credit system.
5. The cost of having a bad social credit record.
2
4
5
Activity 6
听力课堂
Listen again and complete the paragraph.
6
I have been 1___________________ on time,
returning books to the library ____________
_____________, and using _______________ properly. As a reward, we didn't have to pay a
deposit when ______________________
during our trip to Hangzhou.The hotel is very nice, and it's quite near the West Lake.This is just one of the many benefits of the social credit system which enables 5 _________________________ to enjoy a more convenient life 6 ________________.
paying credit card bills
in good condition
without delay
the shared bicycles
we checked in at a hotel
people with good social credit
at a low cost
Wang Lin
Activity 6
听力课堂
Now answer the questions.
6
Wang Lin
1 What was the man prohibited from doing and why
2 What restrictions are mentioned that are caused by a bad social credit record
3 What could the social credit system contribute to
He was prohibited from renting an expensive car because the credit system showed that he's a laolai.
Apart from renting expensive cars,they may also find it hard to buy flight tickets or tickets for high-speed rail services,among other things.
The social credit system is an encouragement to those who can be relied on to do the right thing,and the system is an effective way to build a friendly,honest and safe society.
Activity 6
听力脚本
[A phone chat between two UK students, one has been in China for some time.]
Kelvin: Hi, Sherry, how's everything going
Sherry: Everything is just so much fun! Actually, I went to Hangzhou with Wang Lin last
Saturday. We stayed in a fantastic hotel.
Kelvin: Really What was so special about it
Sherry: Well, to start with, when we checked in, they didn't make us pay a deposit!
Kelvin: Oh... How did that happen
Sherry: It turned out that Wang Lin has a very good social credit record.
Kelvin: A social credit record What's that Could you tell me more about it
Sherry: Let me explain. China started to build a social credit system in 2014. And living
in a city, you'd have lots of activities in your daily life that went onto your social
credit record, such as paying credit card bills on time, returning books to the library
in good condition without delay, using the shared bicycles properly, and so on. All
these actions will accumulate good credit in the social credit system.Wang Lin has
done well in all these aspects, and that brings her many benefits.
Activity 6
听力脚本
Kelvin: Fabulous! It sounds as if the social credit score has turned into money!
Sherry: Yes, it shows people how reliable and creditworthy you are. And it enables people
with good social credit to enjoy a more convenient life at a lower cost. However,
people with bad social credit could suffer.
Kelvin: How is that so
Sherry: I saw on TV recently that a man was prohibited from renting an expensive car -
because the credit system showed he was a laolai!
Kelvin: A laolai What does that mean
Sherry: It means he's the sort of person who can't be relied on to repay his loans.
Kelvin: Well then, it was his own fault that he didn't get the car. Maybe now he realises just
how important it is to be creditworthy and behave properly.
Sherry: Absolutely. Many people with poor social credit records like this man have found it
hard to buy flight tickets or tickets for high-speed rail services, among other things.
Kelvin: Well I think it's definitely an encouragement to those who can be relied upon to do
the right thing.
Sherry: And an effective way to build a friendly, honest and safe society.
Activity 7
Complete the boxes with the expressions from
the conversation.
7
How did that happen
What's that
Could you tell me more about it
Let me explain.
It enables...
How is that so
What does that mean
It means...
It's definitely an encouragement to...
... an effective way to …
Asking for clarification
·How did that happen
·What's that
·Could you tell me more about it ·How is that so
·What does that mean
Clarifying
·Let me explain.
· It means...
Stating advantages
· It enables.
· It's definitely an encouragement to...
..an effective way to...
听力课堂
Activity 8
Read the leaflet and answer the questions.Pay attention to the words and expressions in bold.
8
Finance
management
tips for freshmen
Welcome to Winfield University.While you're doing your degree here,most of you must also handle money on your own for the first time.You will have to pay bills and handle budgets to make ends meet. Here are some tips for you to stay afloat.
Find the banking services that meet your needs and will help you save money,such as accounts with free online banking services.
Building credit is important throughout your life,so
be careful when opening your first credit card account. Look for a card with good benefits and no annual fees. Always make payments on time,or your credit score will be affected.
Start saving now.Save a small amount each week,and increase it each month.This is a widely recognised good habit for personal finance management,and you can receive interest on your savings.
Making some extra money is an option.But keep two things in mind:make sure that it doesn't interfere with your studies,and pay any tax as required by law.
Make rational spending choices and never exceed your
agreed credit limit.Avoid luxuries so that you don't
go into debt.
1
2
3
4
5
找到既能满足你的需求又能帮你省钱的银行服务，比如免费的网上银行账户。
建立信用在你的一生中都很重要，所以在开你的第一个信用卡账户时要小心。 找一张福利很好的卡，没有年费。 一定要按时付款，否则你的信用评分会受到
影响。
现在就开始存钱吧。 每周存一小笔钱，然后每个月增加。 这是一个被广泛认可的个人理财好习惯，你可以从你的储蓄中获得利息。
赚点外快也是一种选择。 但请记住两件事：确保它不会影响你的学习，并按法律要求缴纳任何税款。
做出理性的消费选择，永远不要超过你约定的信用额度。 避免奢侈品，这样你就不会负债。
大一新生理财小贴士
欢迎来到温菲尔德大学。 当你们在这里攻读学位时，你们中的大多数人也必须第一次自己处理金钱。 你将不得不支付账单和处理预算来维持收支平衡。 这里有一些让你保持漂浮的建议。
理财管理
Activity 8
Read the leaflet and answer the questions.Pay attention to the words and expressions in bold.
8
1 What suggestions are given to help students save money
Find the banking services that meet your needs and will help you save money. Save a small amount each week from now on, and increase it each month.
2 What do you need to pay attention to when spending money
Be careful when opening your first credit card account. Look for a card with good benefits and no annual fees. Always make payments on time. Make rational spending choices and never exceed your agreed credit limit.Avoid luxuries so that you don't go into debt.
3 What do you need to bear in mind when making extra money
Make sure it doesn't interfere with your studies, and pay tax as required by law.
理财管理
Activity 9
Match the words and expressions in Activity 8 to
their meanings.
9
1 __________: the amount of money needed or available for certain
2 ______________: to have enough money to buy what you need to live
3 __________: to be out of debt or financial difficulty
4 __________: money paid to the government,usually a percentage of
personal income or of the cost of goods
5 ____________: to accumulate the quality of being creditworthy
6 _______________: the maximum amount of money that may be borrowed under a credit arrangement
budget
make ends meet
stay afloat
tax
building credit
agreed credit limit
理财管理
Activity 9
Match the words and expressions in Activity 8 to their meanings.
9
7 ______________: to get into the state of owing money
8 ____________: costs automatically charged once a year to your credit card
account
9 _________: the amount of money charged by a bank when you borrow money, or paid to you when you keep money in an account.
go into debt
annual fee
interest
Now think about other words and expressions associated with managing personal finances.
理财管理
Activity 9
9
Now think about other words and expressions associated with managing personal finances.
Personal finance management
Build credit
Budge
Make ends meet
Save money
Exceed agreed credit limit
Pay tax
Pay annual fees
Within budget
Over budget
Stay afloat
Go into debt
Deposit money in the bank
Do part-time jobs
Pocket money
Make rational spending choice
Interest
理财管理
Activity 10
Work in pairs. Give suggestions on how to manage your finances and maintain a good social credit record using the words and expressions in this section.
10
Available expressions:
1. Always spend within budgets so as to make ends meet.
2. Spending less than what you have is an effective way to avoid getting into debt.
3. Do part-time jobs to make some extra money and save pocket money for a rainy day.
4. When borrowing books from the library,remember to return them in good condition without delay.
5. Use shared bikes or power banks properly.
6. ... ...
Now talk about how effectively you and your partner have used the words and expressions in this section and suggest ways to improve.
理财管理
Activity 10
Work in pairs. Give suggestions on how to manage your finances and maintain a good social credit record using the words and expressions in this section.
10
As we all know, financial management is very important for everyone. Here are some financial suggestions. First, have a general idea of how much money you have and how much you earn and spend every month. Only in this way can we make a reasonable plan. Second, try to buy only what you really need and don't overspend. Third, bookkeeping is a good habit. The habit of keeping accounts can let you know your income and expense clearly, so that you can have better financial management.
One possible version:
Sample
理财管理
根据所学财务管理知识，运用“信用”与“理财”相关概念，你做为未来的大学生，谈谈你对待财务管理的看法。词数不超过150词。
Homework
As a future university student, I think financial management is super important. Credit and money management go hand in hand. Using credit wisely can help us manage money better, but we must be careful not to get into too much debt.
It's essential to plan our spending, save for what we need, and control our expenses. We should know what we really need and what we just want. Investing our money wisely is also a good way to make it grow.
In short, using credit responsibly and managing our money well will help us have a stable and secure financial future.
Sample
Unit 4 Everyday economics
Using language
To review attributive clauses and master their use in
real contexts.
To learn and apply vocabulary and expressions related to personal financial management, understand its management principles, and learn to apply them in real life.
To pay attention to the construction of personal credit system, standardize financial management, develop good personal credit, and establish a correct view of money and values.
Learning objectives
conventional adj. 传统的，常规的 54
discriminate v. 不公正地区别对待，歧视
54
equator n. 赤道 54
estate n. 庄园 54
superior adj. 质量上乘的，优质的 54
mild adj. 不浓烈的，淡的 54
calorie n. 卡（路里） 54
subjective adj. 主观的 55
* freshman n. （高中或大学的）一年级学生 56
make ends meet 使收支能相抵 56
Words and expressions
* afloat adj. 经济上周转的开的；不欠债的
56
* interfere v. 介入；干涉 57
interfere with 妨碍，阻止 57
* rational adj. （想法、决定等）合理的，基于理性的 57
* exceed v. 超过，超出 57
go into debt 陷入债务中，负债 57
financial adj. 财政的，金融的；财务的 57
* accumulate v.积累，积聚 57
automatically adv. 自动地 57
词汇复习
重点词汇
1. calorie n.
2. exceed v.
3. rational adj.
4. afloat adj.
5. mild adj.
6. equator n.
7. estate n.
8. conventional adj.
卡(路里)
超过;超出
(想法、决定等)合理的;基于理性的
经营上周转得开的;不欠债的
不浓烈的;淡的
赤道
庄园
传统的;常规的
Revision
词汇复习
9. v.不公正地区别对待,歧视
10. adj.质量上乘的;优质的
11. adj.主观的
12. n.(高中或大学的)一年级学生
13. v.介入;干预
14. adj.财政的;金融的;财物的
15. v.积累;集聚
16. adv.自动地
discriminate
superior
subjective
freshman
interfere
financial
accumulate
automatically
重点词汇
Revision
词汇复习
重点短语
1.discriminate against
2.stay afloat
3.keep...in mind
4.be out of debt
5. 使收支相抵
6. 妨碍;干扰
7. 欠债
8. 优于……;胜过……
歧视
顺利运营
记住……
不欠债
make ends meet
interfere with
go into debt
be superior to
Revision
词汇复习
感知以下句子，补全方框下的小题
1. The increased responsibilities brought out her best qualities that were beyond most people.
2. The famous writer is going to talk about the European countries and people that he has visited in the past two months.
3. We will put off the picnic in the park until next week，when the weather may be better.
4. We all live with a certain degree of stress，but there is a point where it becomes unmanageable，causing physical and mental illness.
语法引入
Lead-in
5. Is this the reason that/which he explained at the meeting for his carelessness in his work
6. The number of smokers，as is reported，has dropped by 17 percent in just one year.
7. Choose a famous person whose accent you admire，and imitate the way he or she speaks.
8. Titled Pain，the book contains 51 poems，most of them written in the past three years，Zhao told China Daily in Beijing.
语法引入
Lead-in
1.由第1句可知，当先行词被 修饰时，关系代词常用that。
2.由第2句可知，当先行词 时，关系词要用that。
3.第3句的定语从句中缺少 ，故关系词用when。
4.由第4句可知，当先行词是 且从句中不缺少主要成分时，要用 _______引导定语从句。
5.第5句表明，尽管先行词是reason，但定语从句中缺少宾语，故要用关系代词引导定语从句，而不用 。
6.第6句中的定语从句修饰的先行词是 ，且从句插在主句之中，此时只能用____引导。
7.由第7句可知，定语从句中的名词accent缺少 ________，故用whose引导。
8.第8句中逗号中间的部分没有谓语动词，故不是句子，所以不能填连词，此处是 __________结构。
最高级
既有人又有物
时间状语
抽象名词
where
why
整个主句内容
as
定语
独立主格
Lead-in
语法引入
Review: attributive clauses
复习：定语从句
1 What does "where"refer to in sentence (a)
2 What does "which"refer to in sentence (b)
3 Which sentence contains a clause with essential information about the subject
4 Which sentence contains a clause with extra information about the subject
a This is a place where roses grow wild.
b The biggest challenge at the initial phase was to persuade people to work for me,which was totally outside my experience.
Look at the sentences from the reading passage and answer the questions.
1
“Where” in sentences (a) refers to “a place”.
“Which” in sentences (b) refers to “to persuade people to work for me”.
Sentence (a).
Sentence (b).
Activity 1
语法引入
Now look for more sentences with attributive clauses in the reading passage.
1. She couldn't, however, hide the line of sweat running down her forehead, which was caused partly by the heat of the television studio, but more by fear of the four people seated in front of her.
2. Zhang therefore decided to return to her home town and grow roses, which surprised many people.
3. As someone who grow up in the country, Zhang already knew about growing plants.
4. However, like any entrepreneur who was just starting out, she still had a lot to learn.
5. Seeing her peers who also dream of success and independence, Zhang has mixed feelings.
6. For young people who have little life experience, that can be a challenge.
Activity 1
语法引入
● 修饰限定名词
● 翻译为“……的”
interesting man
有趣的(形容词)
woman teacher
女的(名词)
a boy called Li Hua
一个叫李华(非谓语)
a girl from China
来自中国的(介词短语)
定语的定义
定语的形式
他是 一 个有 趣 的老人。
他是一位来自美国的老人。
Attributive Clauses定 语 从 句
GRAMMAR
Activity 1
趣解语法
定语从句的定义
●一个句子作定语，用来修饰名词或代词
He is an old man who sends gifts to children.
先行词 关系词 定语从句
名词或代词 是一个不完整的句子
(缺成分)
Activity 1
趣解语法
He is an old man who sends gifts to children.
关系词
关系词
● 连接主句和从句
● 指代先行词
● 在从句中充当成分
关系代词
who
whom
whose
that
which
关系副词
when
where
why
Activity 1
趣解语法
一、定语从句的句法功能及相关定义
1.功能：相当于形容词，修饰名词或代词，在句中作定语。
2.位置：定语从句常置于被修饰词之后；as引导的非限制性定语从句可置于主句前、句中或主句之后。
Those who are for the plan raise your hands，please.
As is known to us all，the earth is spinning around the sun.
3.先行词：被定语从句修饰的词称为先行词。
先行词一般是名词和不定代词，如：some，any，every，no 与 body，thing的合成词或all，none，any，some，that，those等代词。数词和人称代词也同样可作先行词。
4.关系词：连接先行词与从句的词叫关系词。
关系代词：who，whom，which，that，whose，as等。
关系副词：when，where，why等。
Activity 1
语法精讲
定语从句复习
二、定语从句的核心考点
1.确定关系词的步骤：
(1)先找先行词，看先行词指的是什么。
(2)看关系词在从句中所充当的成分。
注意：先行词与关系词是等量关系。
(1)先行词在从句中作主语时，从句谓语动词的数由先行词而定。
This is the place which is worth visiting.
(2)关系词在从句中充当了成分，其意思就是先行词的意义，所以在从句中不能重复其意。There are many places that/which we can visit in China.
2.在定语从句中，当先行词指物时，下列情况的关系词宜用that而不用which：
(1)当先行词是序数词或形容词最高级或被序数词、形容词最高级修饰时。
(2)先行词被all, every, no, some, any, little, much, the only, the very, few等修
饰时。
Activity 1
语法精讲
定语从句复习
(3)先行词为all，much，little，none，few，something，anything等不定代词时。
(4)先行词中既有人又有物时。
He was looking pleasantly at the children and parcels that filled his bus.
(5)先行词在主句中作表语时。
The village is no longer the one that was 5 years ago.
(6)当主句是以which开头的特殊疑问句时。
Which are the books that you bought for me
3.宜用which而不用that的情况：
(1)在非限制性定语从句中。
(2)在关系词前有介词时。
(3)当先行词本身是that时。
(4)关系词后有插入语时
Activity 1
语法精讲
定语从句复习
4.关系词who与that指人时，根据不同情况分别用不同的关系词：
(1)当主句是there be句型时，关系词用who。
(2)先行词是anyone，those(指人)，someone，everyone，one等词时，关系词用who。
(3)当主句是who作疑问词时，关系词用that。
Who is that girl that is standing by the window
(4)whom在从句中只作宾语，可被who取代。
5.whose作关系词既指人又指物，在从句中作定语。
Do you know Mr Smith whose story is very moving
There is a room，whose window faces the river.
6.关系代词as在从句中作主语、宾语或表语。
(1)先行词被such和the same修饰，或句型as many(much)中，从句都用as 引导。
Such books as you bought are useful.
The school is just the same as it was 10 years ago.
Activity 1
语法精讲
定语从句复习
注意：
①such...that...引导结果状语从句。
如：They are such lovely children that we love them very much.
②the same...that...引导定语从句。
如：I want to use the same tool that you used just now.
(2)先行词为主句，定语从句用as或which引导。
区别：①意义上：as 含有“这点正如……一样”。
②位置上：as 从句可置于句首，也可在句中或句尾；which引导的非限制性定语从句只能放在主句之后。
He didn’t pass the exam，as we had expected.
There is lots of air in loose snow，which can keep the cold out.
As is known，the earth is round.
Activity 1
语法精讲
定语从句复习
7.关系副词when与where，why，that：
when 指时间＝in/at/on/during which
where指地点＝in/at/from which
why指原因＝for which
that可以用于表示时间、地点、方式、理由的名词之后，取代when，where，why和“介词＋which”引导的定语从句，修饰的先行词常为the way，the time，the day，the place等，在口语中that常被省略。
I don’t like the way (that/in which) he talks.
This is the first time I have given you a lesson in French.
8.必须注意的问题：
(1)关系词作主语时，从句中谓语的数。
(2)注意区别定语从句与强调句。
①定语从句中关系词作从句成分。
Activity 1
语法精讲
定语从句复习
②强调句中it无意义，that/who不是引导词。
③去掉it is/was和that/who后，如果句子意思讲得通则是强调句，讲不通则不是。
It is the museum that/which we visited last year.(定语从句)
It was in the hotel that we stayed last night.(强调句)
(3)定语从句与同位语从句的区别。
①定语从句的引导词被称为关系词，that充当主语、宾语、表语，有时可省略。
②同位语从句的引导词叫做连接词，that不充当任何成分，不可省。
Word came that their army was defeated.(同位语从句)
We expressed to them our wish that was the same as theirs.(定语从句)
(4)关系词在从句中省略的情况。
①关系词作宾语，前无介词时。
②关系词作表语。
(5)关系词前有介词或复杂介词，关系词只能是which或whom。
Activity 1
语法精讲
定语从句复习
(6)几个特殊的定语从句句型：
①He is the only one of the students who has got very good marks in
the match.
(句中one为先行词)
He is one of the students who have got good marks in the match.
(句中students为先行词)
②Is this place the one (that) we visited yesterday
Is this the place (that/which) we visited yesterday
③He stood at the window，from where he could see what was happening.
④It may rain，in which case the match will be put off.
Activity 1
语法精讲
定语从句复习
Ⅰ.用合适的关系词填空
1.This is the factory I visited last year.
2.This is the factory I worked last year.
3.The reason he gave is unbelievable.
4.The reason I went was that I wanted to meet your friends.
5.I don’t like the way she speaks to her parents.
6.I don’t like the way you taught me.
7.I won’t forget the day I joined the army.
8.I won’t forget the day I spent with you on the farm.
9.The basketball team，_______ is playing very well，will come out first.
10.The basketball team，_____ are having a rest，will begin another match in twenty minutes.
11.There was one point __________ we must insist on.
12.After graduation，she reached a point in her career ______she needed to decide what to do.
that/which
where
that/which
why
that
that/which
when
that/which
Activity 1
语法专练
which
who
that/which
where
Ⅱ.用定语从句合并句子
1. I still remember the sitting room. My mother and I used to sit in the sitting room in the evening.
2. Can you lend me the novel You talked about the novel the other day.
3. His parents wouldn’t let him marry anyone. Her family was poor.
4. I don’t like the way. You speak to her in this way.
I still remember the sitting room where/in which my mother and I used to sit in the evening.
Can you lend me the novel (that/which) you talked about the other day
His parents wouldn’t let him marry anyone whose family was poor.
Activity 1
语法专练
I don’t like the way that/in which you speak to her.
5.We live in an age. More information is available with greater ease than ever before at this age.
6. Do you still remember one evening a week ago I came to your room and borrowed a diamond necklace a week ago.
7. I wish to thank Professor Smith. I would never have got this far without
his help.
_____________________________________________________________
8. Can you explain the reason For this reason you don’t want to help him.
We live in an age when more information is available with greater ease than ever before.
Do you still remember one evening a week ago when I came to your room and
borrowed a diamond necklace
Activity 1
语法专练
Ⅱ.用定语从句合并句子
I wish to thank Professor Smith，without whose help I would never have got this far.
Can you explain the reason why/for which you don’t want to help him
Activity 2
语法专练
Read the passage and rewrite the underlined sentences using attributive clauses.
2
Good Deal is a local movement in some countries. It works to help farmers and workers in less developed areas receive a better deal for their produce. Good Deal products may be a little more expensive than regular products, but up to one-third of the sale price will be given back to the producers. This is more than they could get under the conventional trading system.
The movement has proven popular among young people, and they want to help producers get the payment they deserve. They have no problem spending a bit more on Good Deal products, believing that their purchasing of these products will help improve local people’s welfare.
However, some people are less optimistic, and argue that it discriminates against producers not part of the Good Deal movement.
“好交易”是一些国家的地方性运动。它致力于帮助欠发达地区的农民和工人以更好的价格购买他们的产品。物美价廉的产品可能比普通产品贵一点，但高达销售价格的三分之一将返还给生产商。这比他们在传统贸易体系下所能得到的要多。
事实证明，这一运动在年轻人中很受欢迎，他们希望帮助生产商获得应得的报酬。他们在物美价廉的商品上多花一点钱是没有问题的，因为他们相信购买这些商品将有助于改善当地人民的福利。
然而，一些人不那么乐观，他们认为这是对不属于“划算交易”运动的生产商的歧视。
Activity 2
语法专练
Read the passage and rewrite the underlined sentences using attributive clauses.
2
Good Deal is a local movement in some countries. It works to help farmers and workers in less developed areas receive a better deal for their produce. Good Deal products may be a little more expensive than regular products, but up to one-third of the sale price will be given back to the producers. This is more than they could get under the conventional trading system.
The movement has proven popular among young people, and they want to help producers get the payment they deserve. They have no problem spending a bit more on Good Deal products, believing that their purchasing of these products will help improve local people’s welfare.
However, some people are less optimistic, and argue that it discriminates against producers not part of the Good Deal movement.
Good Deal is a local movement in some countries(,) which works to help farmers and workers in less developed areas receive a better deal for their produce.
The movement has proven popular among young people who want to help producers get the payment they deserve.
However, some people who are less optimistic argue that it discriminates against producers who are not part of the Good Deal movement.
Activity 3
语法专练
Read the profile and write an introduction to a Good Deal product using attributive clauses where appropriate.
3
Price:
$ 25 per kg
Origin:
grown on the Green Equator Estate
Special features:
100% organic
superior, smooth blend, with mild flavour
less than one calorie per cup
Good Deal guarantee:
one-third of the sale price returned to local producers
Green Equator Coffee is a Good Deal product, which sells at...
Green Equator Coffee is a Good Deal product, which sells at...
Green Equator Coffee is a Good Deal product, which sells at the price of $25 per kg. It is grown on the Green Equator Estate, whose coffee is 100% organic. It is a superior, smooth blend with a mild flavour, which has less than one calorie per cup. The product is sold under the Good Deal guarantee, which promises that one-third of the sale price will be returned to local producers.
Activity 3
语法专练
Read the profile and write an introduction to a Good Deal product using attributive clauses where appropriate.
3
Activity 4
语法专练
Work in pairs. Write an introduction to something you have bought recently using attributive clauses where appropriate.
4
the object
shape
color
place to buy it
who usually use it
price
place of origin
function
Activity 4
语法专练
Work in pairs. Write an introduction to something you have bought recently using attributive clauses where appropriate.
4
Recently, I purchased a pair of headphones that have become a fantastic addition to my collection. They are black in color, featuring a sleek and modern design which immediately caught my eye. Made of high-quality materials, these headphones ensure durability and comfort, making them a pleasure to use for extended periods. Being lightweight and easy to carry, they are perfect for travel, allowing me to enjoy my music wherever I go.
The headphones are priced reasonably, which makes them an affordable option for anyone seeking good sound quality without breaking the bank. Designed for use by people of all ages, they have a versatile appeal that suits a wide range of listeners. Moreover, they are made in China, a country renowned for its manufacturing expertise, which adds to their credibility and quality.
Available for purchase at various electronics stores, these headphones are easily accessible to anyone looking to upgrade their audio experience. In summary, the headphones provide excellent sound quality, comfort, and style, all wrapped up in a package that is both affordable and versatile.
最近，我买了一副耳机，它成为了我收藏中的绝佳新品。这副耳机是黑色的，设计时尚现代，一下子就吸引了我的目光。它采用优质材料制成，确保了耐用性和舒适性，让我能够长时间愉悦地使用。它轻便且易于携带，非常适合旅行，让我可以随时随地享受音乐。
这副耳机的价格很合理，是寻求良好音质而不愿花费太多的人的负担得起的选择。它适合各年龄段的人使用，具有广泛的吸引力，适合各种听众。此外，它是在以制造专长闻名的中国制造的，这更增加了它的可靠性和质量。
这副耳机可在各大电子产品商店购买，任何想要升级听觉体验的人都可以轻松买到。总之，这副耳机集出色的音质、舒适度和时尚风格于一身，而且价格实惠、用途广泛。
Social credit
Activity 5
你知道吗？
Credit or the offering of money loans for repayment, has existed since the Bronze Age. For most of this history, lenders relied mainly on their judgement when deciding whether or not a borrower was creditworthy. With the development of information technology and data analysis, more and more countries are building their own credit systems with objective credit rating methods. People's activities such as credit card payments, loan payments, etc, are recorded and scored, and will affect their future
credit worthiness.
信用或提供金钱贷款偿还体系，自青铜时代就存在了。 在这段历史的大部分时间里，贷款人主要依靠自己的判断来决定借款人是否有信用。 随着信息技术和数据分析的发展，越来越多的国家都在建立自己的信用体系，采用客观的信用评级方法。 人们的活动，如信用卡支付、贷款支付等，都被记录和评分，并将影响他们未来的信用价值。
Activity 5
你知道吗？
> What is credit
Credit means the offering of money loans for repayment, or the status of being trusted to pay back money to the lenders.
> How is a person's creditworthiness judged in different times
In the past, a person's creditworthiness mainly relied on the
lenders' subjective judgement. At present, it is judged according to objective credit rating methods.
> What activities will affect a person's future creditworthiness
People's activities such as credit card payments, loan payments, etc, will affect their future creditworthiness.
Activity 5
听力课堂
Listen to the conversation and choose the topics discussed.
5
1. The tips to book a good hotel.
2. The importance of being creditworthy.
3. The origin of the credit system.
4. The benefits of a social credit system.
5. The cost of having a bad social credit record.
2
4
5
Activity 6
听力课堂
Listen again and complete the paragraph.
6
I have been 1___________________ on time,
returning books to the library ____________
_____________, and using _______________ properly. As a reward, we didn't have to pay a
deposit when ______________________
during our trip to Hangzhou.The hotel is very nice, and it's quite near the West Lake.This is just one of the many benefits of the social credit system which enables 5 _________________________ to enjoy a more convenient life 6 ________________.
paying credit card bills
in good condition
without delay
the shared bicycles
we checked in at a hotel
people with good social credit
at a low cost
Wang Lin
Activity 6
听力课堂
Now answer the questions.
6
Wang Lin
1 What was the man prohibited from doing and why
2 What restrictions are mentioned that are caused by a bad social credit record
3 What could the social credit system contribute to
He was prohibited from renting an expensive car because the credit system showed that he's a laolai.
Apart from renting expensive cars,they may also find it hard to buy flight tickets or tickets for high-speed rail services,among other things.
The social credit system is an encouragement to those who can be relied on to do the right thing,and the system is an effective way to build a friendly,honest and safe society.
Activity 6
听力脚本
[A phone chat between two UK students, one has been in China for some time.]
Kelvin: Hi, Sherry, how's everything going
Sherry: Everything is just so much fun! Actually, I went to Hangzhou with Wang Lin last
Saturday. We stayed in a fantastic hotel.
Kelvin: Really What was so special about it
Sherry: Well, to start with, when we checked in, they didn't make us pay a deposit!
Kelvin: Oh... How did that happen
Sherry: It turned out that Wang Lin has a very good social credit record.
Kelvin: A social credit record What's that Could you tell me more about it
Sherry: Let me explain. China started to build a social credit system in 2014. And living
in a city, you'd have lots of activities in your daily life that went onto your social
credit record, such as paying credit card bills on time, returning books to the library
in good condition without delay, using the shared bicycles properly, and so on. All
these actions will accumulate good credit in the social credit system.Wang Lin has
done well in all these aspects, and that brings her many benefits.
Activity 6
听力脚本
Kelvin: Fabulous! It sounds as if the social credit score has turned into money!
Sherry: Yes, it shows people how reliable and creditworthy you are. And it enables people
with good social credit to enjoy a more convenient life at a lower cost. However,
people with bad social credit could suffer.
Kelvin: How is that so
Sherry: I saw on TV recently that a man was prohibited from renting an expensive car -
because the credit system showed he was a laolai!
Kelvin: A laolai What does that mean
Sherry: It means he's the sort of person who can't be relied on to repay his loans.
Kelvin: Well then, it was his own fault that he didn't get the car. Maybe now he realises just
how important it is to be creditworthy and behave properly.
Sherry: Absolutely. Many people with poor social credit records like this man have found it
hard to buy flight tickets or tickets for high-speed rail services, among other things.
Kelvin: Well I think it's definitely an encouragement to those who can be relied upon to do
the right thing.
Sherry: And an effective way to build a friendly, honest and safe society.
Activity 7
Complete the boxes with the expressions from
the conversation.
7
How did that happen
What's that
Could you tell me more about it
Let me explain.
It enables...
How is that so
What does that mean
It means...
It's definitely an encouragement to...
... an effective way to …
Asking for clarification
·How did that happen
·What's that
·Could you tell me more about it ·How is that so
·What does that mean
Clarifying
·Let me explain.
· It means...
Stating advantages
· It enables.
· It's definitely an encouragement to...
..an effective way to...
听力课堂
Activity 8
Read the leaflet and answer the questions.Pay attention to the words and expressions in bold.
8
Finance
management
tips for freshmen
Welcome to Winfield University.While you're doing your degree here,most of you must also handle money on your own for the first time.You will have to pay bills and handle budgets to make ends meet. Here are some tips for you to stay afloat.
Find the banking services that meet your needs and will help you save money,such as accounts with free online banking services.
Building credit is important throughout your life,so
be careful when opening your first credit card account. Look for a card with good benefits and no annual fees. Always make payments on time,or your credit score will be affected.
Start saving now.Save a small amount each week,and increase it each month.This is a widely recognised good habit for personal finance management,and you can receive interest on your savings.
Making some extra money is an option.But keep two things in mind:make sure that it doesn't interfere with your studies,and pay any tax as required by law.
Make rational spending choices and never exceed your
agreed credit limit.Avoid luxuries so that you don't
go into debt.
1
2
3
4
5
找到既能满足你的需求又能帮你省钱的银行服务，比如免费的网上银行账户。
建立信用在你的一生中都很重要，所以在开你的第一个信用卡账户时要小心。 找一张福利很好的卡，没有年费。 一定要按时付款，否则你的信用评分会受到
影响。
现在就开始存钱吧。 每周存一小笔钱，然后每个月增加。 这是一个被广泛认可的个人理财好习惯，你可以从你的储蓄中获得利息。
赚点外快也是一种选择。 但请记住两件事：确保它不会影响你的学习，并按法律要求缴纳任何税款。
做出理性的消费选择，永远不要超过你约定的信用额度。 避免奢侈品，这样你就不会负债。
大一新生理财小贴士
欢迎来到温菲尔德大学。 当你们在这里攻读学位时，你们中的大多数人也必须第一次自己处理金钱。 你将不得不支付账单和处理预算来维持收支平衡。 这里有一些让你保持漂浮的建议。
理财管理
Activity 8
Read the leaflet and answer the questions.Pay attention to the words and expressions in bold.
8
1 What suggestions are given to help students save money
Find the banking services that meet your needs and will help you save money. Save a small amount each week from now on, and increase it each month.
2 What do you need to pay attention to when spending money
Be careful when opening your first credit card account. Look for a card with good benefits and no annual fees. Always make payments on time. Make rational spending choices and never exceed your agreed credit limit.Avoid luxuries so that you don't go into debt.
3 What do you need to bear in mind when making extra money
Make sure it doesn't interfere with your studies, and pay tax as required by law.
理财管理
Activity 9
Match the words and expressions in Activity 8 to
their meanings.
9
1 __________: the amount of money needed or available for certain
2 ______________: to have enough money to buy what you need to live
3 __________: to be out of debt or financial difficulty
4 __________: money paid to the government,usually a percentage of
personal income or of the cost of goods
5 ____________: to accumulate the quality of being creditworthy
6 _______________: the maximum amount of money that may be borrowed under a credit arrangement
budget
make ends meet
stay afloat
tax
building credit
agreed credit limit
理财管理
Activity 9
Match the words and expressions in Activity 8 to their meanings.
9
7 ______________: to get into the state of owing money
8 ____________: costs automatically charged once a year to your credit card
account
9 _________: the amount of money charged by a bank when you borrow money, or paid to you when you keep money in an account.
go into debt
annual fee
interest
Now think about other words and expressions associated with managing personal finances.
理财管理
Activity 9
9
Now think about other words and expressions associated with managing personal finances.
Personal finance management
Build credit
Budge
Make ends meet
Save money
Exceed agreed credit limit
Pay tax
Pay annual fees
Within budget
Over budget
Stay afloat
Go into debt
Deposit money in the bank
Do part-time jobs
Pocket money
Make rational spending choice
Interest
理财管理
Activity 10
Work in pairs. Give suggestions on how to manage your finances and maintain a good social credit record using the words and expressions in this section.
10
Available expressions:
1. Always spend within budgets so as to make ends meet.
2. Spending less than what you have is an effective way to avoid getting into debt.
3. Do part-time jobs to make some extra money and save pocket money for a rainy day.
4. When borrowing books from the library,remember to return them in good condition without delay.
5. Use shared bikes or power banks properly.
6. ... ...
Now talk about how effectively you and your partner have used the words and expressions in this section and suggest ways to improve.
理财管理
Activity 10
Work in pairs. Give suggestions on how to manage your finances and maintain a good social credit record using the words and expressions in this section.
10
As we all know, financial management is very important for everyone. Here are some financial suggestions. First, have a general idea of how much money you have and how much you earn and spend every month. Only in this way can we make a reasonable plan. Second, try to buy only what you really need and don't overspend. Third, bookkeeping is a good habit. The habit of keeping accounts can let you know your income and expense clearly, so that you can have better financial management.
One possible version:
Sample
理财管理
根据所学财务管理知识，运用“信用”与“理财”相关概念，你做为未来的大学生，谈谈你对待财务管理的看法。词数不超过150词。
Homework
As a future university student, I think financial management is super important. Credit and money management go hand in hand. Using credit wisely can help us manage money better, but we must be careful not to get into too much debt.
It's essential to plan our spending, save for what we need, and control our expenses. We should know what we really need and what we just want. Investing our money wisely is also a good way to make it grow.
In short, using credit responsibly and managing our money well will help us have a stable and secure financial future.
Sample