[转载]listen this way 1 -  nit8 听力原文
原文地址:listen this way 1 - nit8 听力原文作者:暧ceunit 8 cash or cheq e？ part ⅰ getting ready the f nctions of money as a medi m of exchange and a meas re of val e greatly facilitate the exchange of goods and services and the specialisation of prod ction. witho t the se of money, trade wo ld be red ced to barter, the direct exchange of one commodity for another. in a money economy, the owner of a commodity may sell it for money, th s avoiding the time and effort that wo ld be req ired in a barter economy. money may th s be regarded as a keystone of modern economic 1ife. a the following words and phrases will appear in this nit. all of them are related to money. listen caref lly and st dy the definitions. 1. savings acco nt: a bank acco nt which earn interest 2. checking acco nt: a bank acco nt which s ally earns little or no interest and from which money can be taken o t at any time by cheq e 3. cheq e  check: a written order to a bank to pay a certain s m of money from one s bank acco nt to oneself or to another person 4. bank book: a book in which a record of the money one p ts into and takes o t of a bank is kept 5. traveller s cheq e: a cheq e bo ght from a bank or travel agency that can be exchanged for the money of the co ntry one is in, sed by travellers abroad 6. c rrency: the partic lar type of money in se in a co ntry 7. invoice: bill； a doc ment iss ed by a seller to a b yer listing the goods or services s pplied and stating the s m of money d e 8. transfer: move money from one bank to another 9. credit: p t money into an acco nt 10. convert: change from one c rrency to another b here are some short conversations which take place at banks. please listen and then s pply the missing words. 1. man: i d like to open a savings and a checking acco nt. woman: o r minim m deposit for a savings acco nt is $25. man: what is the interest rate？ woman: it s 4.5%. man: do yo charge for cheq es？ woman: each cheq e that yo write will cost 20 cents. 2. woman: i d like to withdraw some money from my savings acco nt. teller: first yo ll have to fill o t one of these withdrawal forms. woman: oh, no. it asks for my acco nt n mber. i forgot my bank book. teller: i m afraid yo ll need that first. 3. man: can i cash a cheq e here？ teller: do yo have an acco nt with s？ man: yes, i have a checking acco nt here. teller: please write yo r acco nt n mber on the back of the cheq e. man: is that all yo need？ teller: co ld i see one more piece of identification？ man: will a driver s license do？ teller: yes. that d be fine. 4. man: i wo ld like to ask abo t taking a loan. loan officer: do yo have an acco nt here？ man: yes, i ve been a c stomer here for several months. loan officer: how m ch do yo want to borrow？ man: three tho sand dollars. 5. clerk: yes？ man: i want to cash this traveller s cheq e. clerk: do yo have yo r passport？ man: yes. clerk: thank yo . sign here, please. here yo are. man: thank yo . c yo are going to hear some c rrency codes. write the appropriate c rrency code next to the name of the co ntry. c rrency code co ntry c rrency code co ntry nlg holland bef belgi m gbp great britain aud a stralia itl italy usd the united states of america cad canada jpy japan nor norway sek sweden dkk denmark chf switzerland dem germany frf france esp spain rmb the people s rep blic of china part ⅱ using a bank acco nt transactions carried o t by any individ al or firm engaged in providing financial services are called banking. in the broadest sense, a bank is a financial intermediary that performs one or more of the following f nctions: safeg ards and transfers f nds, lends or facilitates lending, g arantees creditworthiness, and exchanges money. a narrow and more common definition of a bank is a financial intermediary that accepts, transfers, and most important, creates deposits. a yo are going to hear a short passage abo t foreign exchange. write down every word as a dictation. it will be read three times. in the first reading, yo will hear the whole passage from beginning to end. in the second reading, yo will hear a pa se after each sentence or j st part of a sentence. d ring the pa se, yo m st write down what yo have j st heard as q ickly as possible. yo can check what yo have written with the third reading. foreign exchange dealing is, as its name implies, the exchange of the c rrency of one co ntry for the c rrency of another. the rate of exchange is the val e of one nit of the foreign c rrency expressed in the other c rrency concerned. a bank may make gains on b ying and selling c rrencies on the inter-bank market. making a profit on the transaction is the basic idea of foreign exchange dealing. b alex is a niversity freshman. it s the first time for him to go to the bank to draw some money on his own. in this section, yo are going to listen to a conversation between alex and the cashier. while yo listen, s ppose yo are alex, and fill in the blank cheq e according to the instr ctions given by the bank cashier. alex: good morning. cashier: good morning. alex: i wo ld ... i wo ld want to know how to make o t this cheq e. cashier: right. erm ... do yo want to draw o t some money？ alex: yes, 20. cashier: 20 ok. (yes) well, the first thing yo need to do, is to write today s date in the top right-hand corner where yo see the line (yes) at the top yo write j st today s date (yes) and the year. yo m st p t the year in. and if yo want to draw o t money after it says pay ... can yo see over on the left-hand side？ alex: the first ... er ... line？ cashier: that s it. on the first line it says pay and yo write "cash" afterwards. alex: in letters. cashier: yes. cash (yes) yo write cash. ok. then nderneath that, right nderneath, yo have to write the amo nt of money yo want. so j st twenty po nds and then yo write only at the end in words. then at the end of that line where yo can see the box, see over on the right-hand side, yo have to write the amo nt yo want in n mbers. alex: in n mbers？ cashier: mm-mm. alex: yes. cashier: and then nderneath that box, the last thing yo have to do in the bottom right-hand corner is j st write yo r signat re. alex: thank yo very m ch. cashier: ok. bye-bye then. alex: bye. part ⅲ making phone calls to chase late payments cash payment is not pop lar in modern society. banks are playing an important role in today s economy. a bill of exchange is preferred by more and more people. the most common bill of exchange is the cheq e. b t every coin has two sides, and banks are no exception. sometimes something nexpected will happen. a yo are going to hear several phone calls abo t chasing late payment of invoices. while listening for the first time, foc s on the key words, add more key words if yo can in the left-hand col mn. after the second listening, complete the s mmaries of the phone calls in the right-hand col mn with the help of the notes. call 1 smythe: this is pa l smythe calling from birmingham. martinez: good morning, mr. smythe. how are yo ？ smythe: fine, thanks. and yo ？ martinez: yes, i m fine, too. smythe: mr. martinez, i m ringing abo t o r last invoice. martinez: yes, i remember we got it before the s mmer. smythe: exactly, mr. martinez. the invoice was raised more than three months ago. martinez: i m sorry, i don t q ite follow yo . smythe: we sent yo the invoice on the 13 th of j ly. martinez: on the 30 th of j ly. smythe: not the 30 th. the 13 th. and we still haven t received payment. martinez: ok, mr. smythe. i ll check and get back to yo . smythe: when can yo contact me？ martinez: this afternoon. smythe: that s fine. i look forward to hearing from yo . martinez: bye. smythe: bye. call 2 martinez: well, mr. smythe, i ve looked into yo r invoice and fo nd o t why it hasn t been paid. smythe: and why is that？ martinez: we asked o r bank to transfer the money b t they co ldn t. they said that yo r bank details are wrong. smythe: what do yo mean, o r bank details are wrong？ they are printed on o r invoice. and yo received the same invoice as all o r other c stomers. martinez: i m sorry, what did yo say？ smythe: i said o r bank details are printed on the invoice. martinez: well, i have the invoice here. can we j st check？ the acco nt n mber is . is that right？ smythe: yes, that s right. martinez: at the bank of scotland at 46 portland street in ... smythe: hang on a min te, did yo say "bank of scotland"？ martinez: yes. smythe: it s the royal bank of scotland-not the bank of scotland. martinez: yo mean there are two？ smythe: exactly. martinez: ok, mr. smythe. i ll ask o r bank to transfer the amo nt to the royal bank of scotland. smythe: as soon as possible, mr. martinez. martinez: manana, mr. smythe, as soon as the bank opens. and, mr. smythe, i m sorry abo t the mistake. smythe: well,i m glad we sorted it o t. martinez: yes！ bye. smythe: bye. call 3 clerk: acco nt enq iries. smythe: good afternoon. i d like to check if a transfer has been received from spain. clerk: co ld yo give me yo r acco nt n mber and the acco nt name please？ smythe: yes, the n mber is  and the company name is pa l smythe and partners. clerk: co ld yo spell smythe, please？ smythe: yes, it s s-m-y-t-h-e. clerk: and yo r address,please？ smythe: unit 7, parkdown trading estate. clerk: and when did yo expect the money to be credited？ smythe: this week. clerk: one moment, please. yes, we received a credit of 3 476.28 on wednesday. smythe: sorry,co ld yo repeat the amo nt？ clerk: yes, 3 476.28. smythe: i was expecting a ro nd fig re of 3 500. did the bank make a charge？ clerk: i m afraid i can t see that from my screen. i ve only got the final fig re which was credited to yo r acco nt. smythe: b t we get lots of payments from abroad and we never have to pay charges. clerk: let me check, sir ... yes, the amo nt was transferred in spanish pesetas. we had to convert it into po nds. so, after bank charges, yo r acco nt was credited with 3 476.28. smythe: i see. ok, thank yo . clerk: yo re welcome. smythe: bye. clerk: bye. b now try this: listen to some more a thentic versions of the phone calls. part ⅳ more abo t the topic: e-money--money of the f t re？ the most important types of money are commodity money, credit money, and fiat money. the val e of commodity money is abo t eq al to the val e of the material contained in it. credit money is paper backed by promises by either a government or a bank, to pay the eq ivalent val e in the standard monetary metal. paper money that is not redeemable in any other type of money and the val e of which is fixed merely by government edict is known as fiat money. b t do yo know what money will look like in the f t re？ the following short passage is abo t the latest money: electronic-money or e-money. s pply the missing words while listening. j st imagine: no coins in yo r pants, no bills in yo r wallet. to b y a coke, yo simply insert a card into the vending machine. yo p ll o t the same card to board a b s, do yo r la ndry, or b y a newspaper. yo add val e to the card by inserting it in an a tomatic teller machine. s ch are the smart cards scientists are developing. some scientists call them chip cards. some others call them electronic p rses, or simply e-money - money of the f t re. a smart card goes a step beyond the magnetic card we se today, it is like a comp ter disk or almost a tiny comp ter. it is a memory device. scientists intend s ch smart cards to replace cash in o r wallets. why cards instead of cash or cheq e？ convenience, safety, and cost. money costs money. handling it, acco nting for it, and protecting it is expensive - whether the money in the form of cash, cheq es, or credit cards. money wears o t, cheq es m st be handled and stored. credit cards m st be man fact red. the amo nts of transactions m st be verified by phone. today s bills are problematic for vending machines. where a po nd coin is acceptable, a dollar coin will be rejected. modern vending machines accept dollar bills, b t remember, only perfectly kept dollar bills, witho t folded corners or wrinkled edges. and one of the most important benefits of smart cards is that the card s val e can be verified and changed witho t going thro gh a complex system s ch as a credit card has to. that will finally help smart cards win the favo r of all sers and in effect become the money of the f t re, sooner than we imagine. part ⅴ memory test: j dy s weekly spending any medi m of exchange that is widely accepted in payment for goods and services and in settlement of debts is money. money also serves as a standard of val e for meas ring the relative worth of different goods and services. the n mber of nits of money req ired to b y a commodity is the price of the commodity. yo are going to hear j dy describing what she spent money on last week (preferably only one time). pay close attention to the prices, and add p in yo r mind how m ch money she spent. the monolog e is followed by some q estions . listen and write down the brief answers as q ickly as possible according to the notes yo have taken while listening. j dy: let me see, first i did the weekly shopping at the s permarket, that was abo t 9.50, as far as i remember, a bit p from last week, we m st be more caref l. then i bo ght some petrol for the car, didn t i？ yes that s it, 7 or so. i m st have had l nch a co ple of times, yes i went to browns, that was 3.20, and then there was that terrible meal in a p b in headington, 2. i think i paid the newspapers, that s s ally abo t 3, really we sho ldn t spend so m ch b t i think it s important to know what s going on in the world. oh i went to the cinema, terrible film, and that was a waste of 2. i don t think there was anything else, a co ple of coffees, say 50p and a chocolate bar, 20p, not very healthy b t i do need a bit of l x ry from time to time！ hold on a min te, there was a t-shirt 5.95, not bad at that price really. q estions for memory test:  m ch did she spend in all？ 2.did j dy spend more or less than last week at the s permarket？  m ch did j dy pay for petrol？ 4.where did she go for l nch？ 5.why does j dy b y newspapers？ 6.did she enjoy going to the cinema？ 7.does she drink tea or coffee？ 8.does she really think chocolate is nhealthy？  m ch did she spend on a t-shirt？ 10.was it of good val e？