VOA 商务英语 lesson43

Dialog 1:
F: we talked about the advantages and disadvantages of a commercial bank.
M: the biggest advantage seems to be in the relationship angle.
F: right, building a strong relationship
M: and the main disadvantage is the high cost of borrowing money.
F: but that all depends on the terms of the loan.
M: The important thing to me is to reduce my exposure to risk.
F: You don't want to be left hanging on the line.（陷于困境）
M: No, I want to meet my financial obligations.
Q: what is important to Mr. Crein
A: reduce his exposure to risk
Dialog 2:
Fixed¹ rate loans(固定利率贷款)，floating rate loans( 浮动利率贷款)
F：I go with (opt for) the fixed rate loan.
M: I agree, the floating rate is too much a gamble.
F: Too much can happen you cann’t control.
M: I want to know how much I have to pay.
F: and how long you will be obligated.(了解承担债务的期限)/how long you want the loan for
M: That depends on the paydown(n,即期付款，每次付款的金额/down payment，首付)),I suppose.
F :And you have to consider what currency do you want the loan in.
M: Let’s not get into that now.(先别考虑这个)
Q: what rate does the customer prefer?
A: fixed one.

Dialog 3:
Securities(证券),
F: Let’s talk about the pros³ and cons² of an investment bank.
M: I’m still leaning towards( =prefer) a commercial bank.
F: A commercial bank structures (组织，动词) a loan they can live with(能承受).
M: and I can pay down.（ 动词，当期付款，pay back the loan,还清欠款）
F: and an investment bank structures a security to sell to investors⁵.
M: you mean like stocks or bonds?
F: Right. They sell these securities to investor⁴ such as venture capitalists.(风险投资家)
M: so their risk is spread out.
Q: What does an investment bank do with a loan
A: they sell it to someone else.
 Small talks:(表示失望)
――well,to tell you the truth, I’m disappointed with(in) it

1 fixed   

adj.固定的，不变的，准备好的；(计算机)固定的

参考例句：

• Have you two fixed on a date for the wedding yet?你们俩选定婚期了吗？
• Once the aim is fixed,we should not change it arbitrarily.目标一旦确定，我们就不应该随意改变。

2 cons   

n.欺骗，骗局( con的名词复数 )v.诈骗，哄骗( con的第三人称单数 )

参考例句：

• The pros and cons cancel out. 正反两种意见抵消。 来自《现代英汉综合大词典》
• We should hear all the pros and cons of the matter before we make a decision. 我们在对这事做出决定之前，应该先听取正反两方面的意见。 来自《简明英汉词典》

3 pros   

abbr.prosecuting 起诉；prosecutor 起诉人；professionals 自由职业者；proscenium （舞台）前部n.赞成的意见( pro的名词复数 )；赞成的理由；抵偿物；交换物

参考例句：

• The pros and cons cancel out. 正反两种意见抵消。 来自《现代英汉综合大词典》
• We should hear all the pros and cons of the matter before we make a decision. 我们在对这事做出决定之前，应该先听取正反两方面的意见。 来自《简明英汉词典》

4 investor   

n.投资者，投资人

参考例句：

• My nephew is a cautious investor.我侄子是个小心谨慎的投资者。
• The investor believes that his investment will pay off handsomely soon.这个投资者相信他的投资不久会有相当大的收益。

5 investors   

n.投资者，出资者( investor的名词复数 )

参考例句：

• a con man who bilked investors out of millions of dollars 诈取投资者几百万元的骗子
• a cash bonanza for investors 投资者的赚钱机会