《商務(wù)英語(yǔ)閱讀4》

Unit4FinanceandBankingMakethemostofonlinebankingtomakeyourlifeeasierandkeepyourfinancesorganized.Onlinebankingisgreatbecauseitoffersquick,easy,24-houraccesstoyourcheckingandsavingsaccounts.

----AlexaVonTobel,thefounderandCEOofLearnVWelcometothebusinessworld!BusinessEnglishReadingBook4Unit4Unit4

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TextBCultureTour

Casestudy4123ContentsBusinessEnglishReadingBook4Unit4TextABranchesFallasBankingGoesDigital

Lead-in

Wordsandexpressions

Notes

QuestionsTEXTABusinessEnglishReadingBook4Unit4Whenyouintendtomakeabankingtransaction,whichaccessdoyouprefer,mobilebankingortraditionalbanking?Why?Haveyoueverbeenfrustratedbytheinconveniencerelatedtotraditionalbankingservices?Pleaseshareyourstory.Doyouhavetheexperienceofonlineshopping?Howdoyoupayforyourpurchaseonline?Lead-in

Q1

Q2

Q3

BusinessEnglishReadingBook4Unit4WordsandExpressions

inherent

adj.existingasanessentialconstituentorcharacteristic固有的；內(nèi)在的

e.g.

Everybusinesshasitsowninherentrisks.

每個(gè)企業(yè)都有其固有的風(fēng)險(xiǎn)。

BusinessEnglishReadingBook4Unit4WordsandExpressions

topple

v.falldown,asifcollapsing（使）倒塌

e.g.Thetreeissobadlydamagedthattheyareworrieditmighttoppleover.這棵樹(shù)被嚴(yán)重?fù)p壞，他們擔(dān)心它可能會(huì)倒塌。

BusinessEnglishReadingBook4Unit4WordsandExpressions

conventional

adj.aconventionalmethod,product,practiceetchasbeenusedforalongtimeandisconsideredtheusualtype傳統(tǒng)的；常規(guī)的

e.g.Internetconnectionsthroughconventionalphonelinesarefairlyslow.通過(guò)傳統(tǒng)電話線連接互聯(lián)網(wǎng)的速度相當(dāng)緩慢。

BusinessEnglishReadingBook4Unit4WordsandExpressions

launch

v.tostartsomething,usuallysomethingbigorimportant發(fā)動(dòng)；發(fā)起；開(kāi)始從事（大型或重要活動(dòng)）

e.g.

Theorganizationhaslaunchedacampaigntoraise$150,000.該組織發(fā)起了一項(xiàng)籌資15萬(wàn)美元的運(yùn)動(dòng)。

BusinessEnglishReadingBook4Unit4WordsandExpressions

amass

v.Ifyouamassmoney,knowledge,informationetc,yougraduallycollectalargeamountofit積聚；積累；大量收集

e.g.

For25years,Darwinamassedevidencetosupporthistheories.

25年來(lái)，達(dá)爾文積累了證據(jù)來(lái)支持他的理論。

BusinessEnglishReadingBook4Unit4WordsandExpressions

ubiquity

n.thestateofbeingeverywhereatonce(orseemingtobeeverywhereatonce)無(wú)處不在；普遍存在e.g.We’veseentheuseofandubiquityofmobiledevicesreallydrivingconsumerbehavioranddrivingadoptionofelectronicformsofpayments.我們已經(jīng)看到，移動(dòng)設(shè)備的使用和普及確實(shí)推動(dòng)了消費(fèi)者行為，并推動(dòng)了電子支付方式的普及。

BusinessEnglishReadingBook4Unit4WordsandExpressions

substantial

adj.largeinamountornumber大量的；多的

e.g.Thedocumentrequiressubstantialchanges.這份文件需要大量改動(dòng)。

BusinessEnglishReadingBook4Unit4WordsandExpressions

attributesth.tosb./sth.

tobelieveorsaythatasituationoreventiscausedbysomething

把…歸因于…

e.g.TheyattributedEdison’ssuccesstointelligenceandhardwork.他們把愛(ài)迪生的成功歸因于聰明和勤奮。

BusinessEnglishReadingBook4Unit4WordsandExpressions

infrastructure

n.thebasicstructureorfeaturesofasystemororganization基礎(chǔ)設(shè)施e.g.

Somecountrieslackasuitableeconomic

infrastructure.一些國(guó)家缺乏合適的經(jīng)濟(jì)基礎(chǔ)設(shè)施。

BusinessEnglishReadingBook4Unit4WordsandExpressions

implement

v.totakeactionormakechangesthatyouhaveofficiallydecidedshouldhappen執(zhí)行；貫徹；實(shí)施

e.g.

Wehavedecidedtoimplementthecommittee’srecommendationsinfull.我們已經(jīng)決定全面執(zhí)行委員會(huì)的建議。

BusinessEnglishReadingBook4Unit4WordsandExpressionsreplicate

v.(formal)tocopysth.Exactly復(fù)制

e.g.

Heinvitedhertohislaboratorytoseeifshecouldreplicatetheexperiment.

他邀請(qǐng)她到他的實(shí)驗(yàn)室去，看她是否能復(fù)制這個(gè)實(shí)驗(yàn)。

BusinessEnglishReadingBook4Unit4WordsandExpressions

assert

v.tostatefirmlythatsomethingistrue（堅(jiān)決）主張；斷言

e.g.

Heassertedthatnuclearpowerwasasafeandnon-pollutingenergysource.

他宣稱(chēng)，核能是一個(gè)安全且無(wú)污染的能源。

BusinessEnglishReadingBook4Unit4WordsandExpressions

nullify

v.makeineffectivebycounterbalancingtheeffectof使無(wú)效；抵消

e.g.

Recentinflationcouldnullify

theeconomicgrowthofthelastseveralyears.

最近的通貨膨脹可能會(huì)抵消過(guò)去幾年的經(jīng)濟(jì)增長(zhǎng)。

BusinessEnglishReadingBook4Unit4WordsandExpressions

cultivate

v.toworkhardtodevelopaparticularskill,attitude,orquality培養(yǎng)；養(yǎng)成（技能、態(tài)度或素質(zhì)）

e.g.

Thecompanyhasbeensuccessfulincultivatingaveryprofessionalimage.

這家公司已經(jīng)成功地培養(yǎng)了一種非常專(zhuān)業(yè)的形象。

BusinessEnglishReadingBook4Unit4WordsandExpressions

discern

v.toknow,recognizeorunderstandsth.,especiallysth.thatisnotobvious覺(jué)察出；識(shí)別；了解

e.g.Itisoftendifficulttodiscernhowwidespreadpublicsupportis.通常很難看出公眾的支持有多廣泛。

BusinessEnglishReadingBook4Unit4Notes

Uber優(yōu)步UberTechnologiesInc.isatransportationnetworkcompanyheadquarteredinSanFrancisco,California,UnitedStates,operatingin570citiesworldwide.Itdevelops,marketsandoperatestheUbercartransportationandfooddeliverymobileapps.Uberdriversusetheirowncars,althoughdriverscanrentacartodrivewithUber.TheUberappsoftwarerequiresthedriverstohaveasmartphone,andusersmusthaveaccesstoeitherasmartphoneorthemobilewebsite.

BusinessEnglishReadingBook4Unit4Notes

TheGuardian英國(guó)《衛(wèi)報(bào)》TheGuardianisaBritishdailynewspaper,knownfrom1821until1959astheManchesterGuardian.AlongwithitssisterpapersTheObserverandTheGuardianWeekly,TheGuardianispartoftheGuardianMediaGroup,ownedbyTheScottTrustLimited.

BusinessEnglishReadingBook4Unit4Notes

NatWest英國(guó)國(guó)民西敏寺銀行NationalWestminsterBank,commonlyknownasNatWest,isalargeretailandcommercialbankintheUnitedKingdom.Itwasestablishedin1968bythemergerofNationalProvincialBank(established1833asNationalProvincialBankofEngland)andWestminsterBank(established1834asLondonCountyandWestminsterBank).Since2000ithasbeenpartoftheRoyalBankofScotlandGroup.

BusinessEnglishReadingBook4Unit4Notes

buy-to-let買(mǎi)房出租Buy-to-letisaBritishphrasereferringtothepurchaseofapropertyspecificallytoletout,thatistorentitout.Abuytoletmortgageisamortgagespecificallydesignedforthispurpose.

BusinessEnglishReadingBook4Unit4Notes

Which？Which?isabrandnameusedbytheConsumers’Association,registeredcharity(No.296072)andcompanylimitedbyguarantee(No.580128),whichisbasedintheUnitedKingdom.Itexiststopromoteinformedconsumerchoiceinthepurchaseofgoodsandservicesbytestingproducts,highlightinginferiorproductsorservices,raisingawarenessofconsumerrightsandofferingindependentadvice.Theassociationownsseveralbusinesses,includingWhich?FinancialServicesLimited(Which?MortgageAdvisers),Which?LegalLimited,andWhich?Limited,whichpublishestheWhich?magazine.

BusinessEnglishReadingBook4Unit4Notes

PayPal貝寶（全球最大的在線支付平臺(tái)）PayPalHoldings,Inc.isanAmericancompanyaworldwideonlinepaymentssystemthatsupportsonlinemoneytransfersandservesasanelectronicalternativetotraditionalpapermethodslikechecksandmoneyorders.PayPalisoneoftheworld’slargestInternetpaymentcompanies.Thecompanyoperatesasapaymentprocessorforonlinevendors,auctionsitesandothercommercialusers,forwhichitchargesafee.

BusinessEnglishReadingBook4Unit4QuestionsWhatchallengesareestablishedbanksfacingwiththeriseofdigital-onlybanks?Establishedbankshavechallengesfromcuttingoverheads,updatingtheirsystemandinfrastructure,andbehighlyresponsivetothemarketplace.

BusinessEnglishReadingBook4Unit4Questions2.Whataretheadvantagesthatdigital-onlybankshave?Comparedtotheestablishedbanks,digital-onlybanksattractmanycustomersbyoperatingentirelyinappform,andcutoverheadsaswell.Theyhavedigitalinfrastructureandbehighlyresponsivetothemarketplace.

BusinessEnglishReadingBook4Unit4Questions

3.Doyoubelievetraditionalbankbrancheswillbeeradicatedfromthemarket?Why?Yes.Withtheiradvantagesoverestablishedbanks,digitalbankswillwinmostcustomersbyofferingconvenientandefficientservice.Itwillbedifficultforestablishedbankstosurvivethemarket.

BusinessEnglishReadingBook4Unit4Questions

3.Doyoubelievetraditionalbankbrancheswillbeeradicatedfromthemarket?Why?No.Establishedbanksstillhavetremendousadvantages.Theyaredeep-rootedinthemarketforlongwithmuchwealth,expertiseandmomentum.Additionally,manyofbigbanksareintegraltotheoverallfinancialecosystem.Still,theyarestrivingtoremaincompetitivebyupdatingtheirsystems.Anotheradvantageisthatit’seasierforthemtoattractthebesttalentthandigitalbanks.

BusinessEnglishReadingBook4Unit4Questions

4.Howdoyouthinktheestablishedbanksmaintaincompetitiveinthemarket?Theycanofferbetterdeals,updatetheirsystem,goonadigitaljourneyasdigitalbanksdoandcuttheiroverheads,etc.

BusinessEnglishReadingBook4Unit4Questions5.Doyouhavetheintentionofchangingyourbankaccountsfromconventionalbankingtodigital-onlybanks?Why?open

BusinessEnglishReadingBook4Unit4TextBInFintech,ChinaShowstheWayNotes

Words

and

Expressions

QuestionsTEXTB

BusinessEnglishReadingBook4Unit4Cultural

TourWordsandExpressions

homage

n.respectshowntowardsomeoneorsomethingyouadmire,ortoapersoninauthority敬意，崇敬

e.g.Palacehasreleasedtwomarvelousfilmsthatpayhomagetoourliteraryheritage.皇宮影業(yè)公司發(fā)行了兩部頌揚(yáng)我們文學(xué)遺產(chǎn)的精彩影片。

BusinessEnglishReadingBook4Unit4WordsandExpressions

prominence

n.thestateofbeingimportantorfamous

重要性，著名

e.g.HecametoprominenceduringtheWorldCup.他在該世界杯期間一舉成名。

BusinessEnglishReadingBook4Unit4WordsandExpressions

onaparwith

equalinimportanceorqualityto與…相等

e.g.

Thishomecookingisonaparwiththebestintheworld.

這種家庭烹飪與世界上最好的烹飪相媲美。

BusinessEnglishReadingBook4Unit4WordsandExpressions

unsophisticatedadj.nothavingmuchknowledgeorexperienceofmodernandfashionablethings對(duì)現(xiàn)代事物了解不多的；質(zhì)樸的

e.g.

Itwasmusicwhichunsophisticatedaudiencesenjoyedlisteningto.這是那些不懂世故的聽(tīng)眾喜歡聽(tīng)的音樂(lè)。

BusinessEnglishReadingBook4Unit4WordsandExpressions

vault

v.jumpacrossorleapover(anobstacle)

跳過(guò)，躍過(guò)

e.g.Therobbervaultedoverthecounterandtook$200incash.搶劫犯躍過(guò)柜臺(tái)，搶走了200美元現(xiàn)金。

BusinessEnglishReadingBook4Unit4WordsandExpressions

beckonv.Ifsomethingbeckonsforsomeone,itisverylikelytohappenthem.向…召喚

e.g.

ThebigtimebeckonsforBillyDodds.偉大的時(shí)刻在向比利?多茲召喚。

BusinessEnglishReadingBook4Unit4WordsandExpressions

plodding

adj.sloworthoroughandnotexciting緩慢乏味的；單調(diào)枯燥的e.g.RajAtri,aresearchanalystatBankofAmerica,saidthegame’sploddingpacewasaplus.阿特瑞是美國(guó)銀行的一名研究分析員，他說(shuō)這項(xiàng)運(yùn)動(dòng)的一個(gè)好處是它沉重緩慢的步調(diào)。

BusinessEnglishReadingBook4Unit4WordsandExpressions

stodgy

adj.Ifsomeoneorsomethingisstodgy,theyaredull,unimaginative,andcommonplace.枯燥乏味的;單調(diào)平庸的

e.g.Thecompanyhasn'tbeenabletoshakeoffitsimageasstodgyandold-fashioned.

該公司一直未能擺脫其古板守舊的形象。

BusinessEnglishReadingBook4Unit4WordsandExpressions

catchonIfsomethingcatcheson,itbecomespopular.

流行

e.g.Thissongcaughtonandwassungeverywhere.這首歌曲流行起來(lái)，各地都在演唱。

BusinessEnglishReadingBook4Unit4WordsandExpressions

reluctance

n.acertaindegreeofunwillingness不情愿

e.g.Theevidenceisblurredbycentralbanks’reluctancetorevealtheirblunders.由于中央銀行不愿意公開(kāi)自己的愚蠢錯(cuò)誤，證據(jù)并不清楚。

BusinessEnglishReadingBook4Unit4WordsandExpressions

usurious

adj.greatlyexceedingboundsofreasonormoderation高利貸的

e.g.

Asaresult,privatecompanieshavebeenforcedtoborrowfromfinancecompaniesatoftenusuriousinterestrates.因此，私人企業(yè)被迫從金融公司借錢(qián)，而這些公司通常是高利貸。

BusinessEnglishReadingBook4Unit4WordsandExpressions

portal

n.awebsitethathelpsyoufindotherwebsites門(mén)戶(hù)網(wǎng)站

e.g.Thesiteactsasaportalforthousandsofonlinedealers.該站點(diǎn)為數(shù)千名網(wǎng)絡(luò)交易者的門(mén)戶(hù)網(wǎng)站。

BusinessEnglishReadingBook4Unit4WordsandExpressions

disperse

v.goorcausetogoindifferentdirectionsortodifferentdestinations（使）分散，散開(kāi)

e.g.Policefiredshotsandusedteargastodispersethedemonstrators.

警察開(kāi)槍并使用了催淚瓦斯來(lái)驅(qū)散示威人群。

BusinessEnglishReadingBook4Unit4WordsandExpressions

artificially

adv.notaccordingtonature;notbynaturalmeans人為地；不自然地

e.g.Tosetthetimeframeartificiallyisnotonlyunreasonablebutalsoimpractical.人為地規(guī)定談判時(shí)限，不僅缺乏合理性，而且也不現(xiàn)實(shí)。

BusinessEnglishReadingBook4Unit4WordsandExpressions

incumbent

n.theholderofanofficeorpost在位者；在職者

e.g.Ingeneral,incumbentshavea94percentchanceofbeingreelected.一般情況下，現(xiàn)任官員有94%的幾率會(huì)再次當(dāng)選。

BusinessEnglishReadingBook4Unit4AntNotesAntFinancial螞蟻金服

AntFinancialServicesGroup,formerlyknownasAlipay,isanaffiliatecompanyoftheChineseAlibabaGroup.ItoperatestheAlipaypaymentplatform.

BusinessEnglishReadingBook4Unit4UBS:ItisthebiggestbankinSwitzerlandwhichprovideswealthmanagement,assetmanagement,andinvestmentbankingservicesforprivate,corporate,andinstitutionalclientsworldwide,andisgenerallyconsideredtobeabulgebracketbank.ThenameUBSwasoriginallyanabbreviationfortheUnionBankofSwitzerland,butitceasedtobearepresentationalabbreviationafterthebank’smergerwithSwissBankCorporationin1998.瑞士聯(lián)合銀行集團(tuán)UBS瑞士聯(lián)合銀行集團(tuán)ItisthebiggestbankinSwitzerlandwhichprovideswealthmanagement,assetmanagement,andinvestmentbankingservicesforprivate,corporate,andinstitutionalclientsworldwide,andisgenerallyconsideredtobeabulgebracketbank.ThenameUBSwasoriginallyanabbreviationfortheUnionBankofSwitzerland,butitceasedtobearepresentationalabbreviationafterthebank’smergerwithSwissBankCorporationin1998.Notes

BusinessEnglishReadingBook4Unit4NotesAlipay支付寶Aisathird-partyonlinepaymentplatform.ItwaslaunchedinChinain2004byAlibabaGroupanditsfounderJackMa.Accordingtoananalystresearchreport,AlipayhadthebiggestmarketshareinChinawith400millionusersandcontrolofjustunderhalfofChina'sonlinepaymentmarketinOctober2016.Alipayistheworld’slargestmobileandonlinepaymentsplatformsince2014.

BusinessEnglishReadingBook4Unit4Notes

Grey-market灰市Agreymarket(sometimesconfusedwiththesimilartermparallelmarket)isthetradeofacommoditythroughdistributionchannelsthatarelegalbutunintendedbytheoriginalmanufacturer.

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