1、Unit 4Period 3 Listening and Speaking新 课 导 入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 subjective judgement when deciding whether or not a borrower was creditworthy.With the development of information t
2、echnology and data analysis,more and more countries are building their own credit systems with objective credit rating methods.Peoples activities such as credit card payments,loan payments,etc,are recorded and scored,and will affect their future creditworthiness.Did You Know?Read and answer the ques
3、tions 1.What is credit?2.How is a pesons creditworthiness judged in different times?3.What activities will affect a persons future creditworthiness?1.What is credit?2.How is a pesons creditworthiness judged in different times?3.What activities will affect a persons future creditworthiness?Credit mea
4、ns 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 creditworthiness mainly relied on the lenderssubjective judgement.At present,it is judged according to objective credit rating methods.Peoples activities such as credit c
5、ard payments,loan payments,etc,will affect their future creditworthiness.课 堂 学 习1Listen to the conversation and choose the topics discussed.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
6、having a bad social credit record.2Listen to Part I and complete the paragraph.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,and its quite near the West Lake.This
7、 is just one of the many benefits of the social credit system which enables5 _ 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 Listen to Part II and answer the question
8、s.1.What was the man prohibited from doing and why?He was prohibited from renting an expensive car because the credit system showed that he was a laolai.2.What restrictions are mentioned that are caused by a bad social credit record?Apart from renting expensive cars,they may also find it hard to buy
9、 flight tickets or tickets for high-speed rail services,among other things.3.What could the social credit system contribute to?The social credit system is an encouragement to those who can be relied upon to do the right thing,and the system is an effective way to build a friendly,honest and safe soc
10、iety.How did that happen?Whats that?Could you tell me more about it?Let me explain.It enables.How is that so?What does that mean?It means.Its definitely an encouragement to.an effective way to.3Complete the boxes with the expressions from the conversation.Asking for clarificationClarifyingStating ad
11、vantages How did that happen?Whats that?Could you tell me more about it?How is that so?What does that mean?Let me explain.It means.It enables.Its definitely an encouragement to.an effective way to.4 Read the leaflet and answer the questions.Pay attention to the words and expressions in bold.Finance
12、management tips for freshmenWelcome to Winfield University.While youre 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 mee
13、t 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 s
14、core 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.123Making some extra money is an option.But keep two things in mind:make sure that it do
15、esnt 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 dont go into debt.451.What suggestions are given to help students save money?Find the banking services that meet your needs and will
16、 help you save money.Save a small amount of money 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
17、 rational spending choices and never exceed your agreed credit limit.Avoid luxuries so that you dont go into debt.3.What do you need to bear in mind when making extra money?Make sure it doesnt interfere with your studies,and pay any tax as required by law.Now answer the questions:5 Match the words a
18、nd expressions to their meanings.budget,make ends meet,stay afloat,build credit,annual fee,interest,tax,agreed credit limit,go into debt1 _:the amount of money needed or available for certain purposes 2 _:to have enough money to buy what you need to live 3 _:to be out of debt or financial difficulty
19、 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 budgetmake ends meetstay afloattaxbuild creditbudget,make ends meet,stay afloat,build credit,annual fee,interest,tax,agreed credit limit,go into debt6
20、 _:the maximum amount of money that may be borrowed under a credit arrangement 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 acc
21、ount.agreed credit limitgo into debtannual feeinterestNow think about other words and expressions associated with managing personal finances.Personal finance management Make rational spending choicesPay taxPay annual fees Deposit money in the bank Stay afloat Over budget Within budget Pocket money D
22、o part-time jobs Budget Build credit Make ends meetSave money6Work 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.Now talk about how effectively you and your partner have used the words and expressions in this section and suggest ways to improve.课堂总结课堂总结1.Share your view on building social credit system.2.Retell the finance management tips for freshmen.
