1、Unit 4 Everyday economics Listening and speaking Personal finance mamagement Everyday economics了解经济常识了解经济常识了解创业创新与规划未来了解创业创新与规划未来思考经济问题、提出建议思考经济问题、提出建议Starting out 第第1课时课时Using language 第第3课时课时Listening: Personal finance management 第第4课时课时Understanding ideas:Business Blossoms第第2课时课时Developing ideas:
2、What mine is yours.第第5课时课时Writing: Non-cash payments 第第6课时课时Presenting ideas: Analyze economic situations第第7课时课时单元大观念单元大观念: 本单元语篇包括货币的发展、大学毕业生的创业故事、社会信用体系构建、理财观念培养、共享经济、无现金支付，引导学生关注和理解日常生活中的经济学现象，培养学生辩证思考能力，增强风险意识，树立正确的金钱观、理财观。Learning objectivesLearning objectivesAt the end of the class, you are ex
3、pected to:1.Further develop listening ability by getting key information from listening materials and tasks 2.Learn related words and expressions about finance management and social credit. 3.Effectively express yourself about how to manage finances and maintain a good social credit record.Step 1. P
4、re-listening Read and answer questions (5mins) 1) What is credit?2) How is a pesons creditworthiness judged in different times? 3)What activities will affect a persons future creditworthiness? Social credit Credit or the offering of money loans for repayment has existed since the Bronze Age for most
5、 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. Peoples activitie
6、s such as credit card payments, loan payments, etc, are recorded and scored, and will affect their future creditworthiness. n. the act of paying back money that you have borrowed from a bank, etc. 偿还偿还 adj. able to be trusted to pay back money that is owed有信誉的有信誉的n. a dark reddish-brown metal made b
7、y mixing copper and tin 青铜青铜 n.the detailed study or examination of sth. 分析分析adj. base opinions on facts rather than on personal feelings. 客观的客观的 Credit means the offering of money loans for repayment， or the status of being trusted to pay back money to the lenders. In the past, a pesons creditworth
8、iness mainly relied on the lenders subjective judgement. At present, it is judged according to objective credit rating methods.Peoples activities such as credit card payments, loan payments, etc, will affect their future creditworthiness.Step 2. (Activity 5 ) Listen for key information (3mins for li
9、stening +2mins for checking) Listen to the conversation and choose the topics discussed. Answer: B D EA.The tips to book a good hotel. B.The importance of being creditworthy. C.The origin of the credit system. D.The benefits of a social credit system. E.The cost of having a bad social credit record.
10、 Step 3. (Activity 6-1) Listen to Part I and complete the paragraph. (2mins for listening +2mins for checking) I have been 1 _ on time, returning books to the library 2 _. and using 3_ properly. As a reward, we didnt have to pay a deposit when 4 _ during our trip to Hangzhou. The hotel is very nice,
11、 and its 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 delaythe shared bicycles we checked in at a hotel people with good social creditat a low cost
12、 n.money paid by sb when they rent sth； money that is paid into a bank account. 订金，押金订金，押金; 存款存款1. What was the man prohibited from doing and why?2. What restrictions are mentioned that are caused by a bad social credit record?Step 4. (Activity 6-2) Listen to Part II and answer three questions. (1mi
13、ns for listening +3mins for speaking ) 3. What could the social credit system contribute to? Hes prohibited from renting an expensive car because the credit system showed that hes a laolai. Apart from renting expensive cars, they may also find it hard to buy fight tickets or tickets for high-speed r
14、ail 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. v. to stop sth. from being done or used especially by law. 禁止禁止n. a rule that limits wh
15、at you can do; the act of limiting or controlling sb/sth. 限制限制 Step 5. (Activity 7) Post-listening (3mins)Get familiar with how to ask for clarification, clarify themselves or state advantages. 1. How did that happen? 6. How is that so? 2. Whats that? 7. What does that mean? 3. Could you tell me mor
16、e about it? 8. It means.4. Let me explain. 9. Its definitely an encouragement to. 5. It enables .10. . an effective way to.Asking for clarification: Clarifying: Stating advantages: 1/ 2/ 3/ 6/ 7 4/ 8 5/ 9/ 10 Step 6. (Activity 8-1) Finance management tips for freshmen(2mins) Question for prediction:
17、 What financial difficulties may freshmen （大一学生）run into?Possible financial difficulties: 1. be unable to afford college education 2. do not have enough money to get what is needed;3. be bad at managing personal finance 4. lack pocket money;5. get into debt as a result of overspending; 6. suffer fro
18、m bad credit situation7. .Step 6. (Activity 8-2) Read the leaflet and answer the questions (6mins) 1. What suggestions are given to help students save money?2. What do you need to pay attention to when spending money?3. What do you need to bear in mind when making extra money? Make sure it doesnt in
19、terfere with your studies, and pay any tax as required by law. 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.1. What suggestions are given to help students save money?2. What do you need to pay atten
20、tion to when spending money?3. What do you need to bear in mind when making extra 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 lim
21、it. Avoid luxuries so that you dont go into debt.adj. happening or done once every year. 每年的；一年一次的每年的；一年一次的adj. based on reason rather than emotions. 合理的；理性的；明智的Step 6. (Activity 8-2) Read the leaflet and answer the questions (6mins)v. to get involved in and try to influence a situation in a way tha
22、t annoys other people 干涉；干预；介入干涉；干预；介入v. to be greater than a particular number or amount; go beyond 超过（数量）超过（数量）n. a thing that is expensive and enjoyable but not essential. 奢侈品奢侈品1 _: the amount of money needed or available for certain purposes 2 _: to have enough money to buy what you need to liv
23、e 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 7 _: to get into t
24、he 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 accountStep 7. (Activity 9-1) Match the words and expressions in Activity 8 to their meanings(4m
25、ins) budget make ends meet stay afloat taxbuilding creditagreed credit limitget into debtannual feeinterestv. to gradually increase in number or quantity. 积累积累v. be in debt . 欠钱欠钱/情情; 应把应把归因于归因于Step 7. (Activity 9-2) Word bank (4mins) Consolidation for words and expressions associated with mangaing
26、personal financePersonal finance management Exceed agreed credit limitMake rational spending choicesPay taxPay annual fees Deposit money in the bank Stay afloat Over budget Within budget Pocket money Do part-time jobs Interest Get into debt Budget Build credit Make ends meetSave moneyWork in groups
27、and discuss how to manage your finances and maintain a good social credit record as high school students. Step 8. (Activity 10) Discussion(5mins) 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
28、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. Design a leaflet on the topic of how to manage personal finances and maintain a good social credit record for high school students based on what have been learned in class. Use as many words and expressions mentioned above as possible.
