Listen this way听力教程第一册-8

（单词翻译）

Part Ⅰ Getting ready
The functions of money as a medium of exchange and a measure of value greatly facilitate the exchange of goods and services and the specialisation of production. Without the use of money, trade would be reduced to barter¹, the direct exchange of one commodity for another. In a money economy, the owner of a commodity may sell it for money, thus avoiding the time and effort that would be required in a barter economy. Money may thus be regarded as a keystone of modern economic 1ife.

A  The following words and phrases will appear in this unit. All of them are related to money. Listen carefully and study the definitions.
   1. savings² account: a bank account which earn interest
   2. checking account: a bank account which usually earns little or no interest and from which money can be taken out at any time by cheque
   3. cheque / check: a written order to a bank to pay a certain sum of money from one's bank account to oneself or to another person
   4. bank book: a book in which a record of the money one puts into and takes out of a bank is kept
   5. traveller's cheque: a cheque bought from a bank or travel agency that can be exchanged for the money of the country one is in, used by travellers abroad
   6. currency: the particular type of money in use in a country
   7. invoice³: bill; a document issued by a seller to a buyer listing the goods or services supplied and stating the sum of money due
   8. transfer: move money from one bank to another
   9. credit: put money into an account
  10. convert: change from one currency to another

B  Here are some short conversations which take place at banks. Please listen and then supply the missing words.
   1. Man:   I'd like to open a ________ and a ________ account.
      Woman: Our minimum deposit for a savings account is ________.
      Man:   What is the ________ rate?
      Woman: It's ________.
      Man:   Do you ________ for cheques?
      Woman: Each cheque that you write will cost ________.

   2. Woman:  I'd like to ________ some money from my savings account.
      Teller⁴: First you'll have to ________ out one of these withdrawal⁵ ________.
      Woman:  Oh, no. It asks for my ________ number. I forgot my ________ book.
      Teller: I'm ______ you'll need that first.

   3. Man:    Can I ________ a cheque here?
      Teller: Do you have an account ________ us?
      Man:    Yes, I have a ________ account here.
      Teller: Please write your account ________ on the back of the ________.
      Man:    Is that all you ________?
      Teller: Could I see one more piece of ________?
      Man:    Will a driver's ________ do?
      Teller: Yes. That'd be  ________.
 
   4. Man:          I would like to ask about taking a ________.
      Loan Officer: Do you have an ________ here.
      Man:          Yes, I've been a ________ here for several ________.
      Loan Officer: How much do you want to ________?
      Man:          ________ dollars.
 
   5. Clerk: Yes?
      Man:   I want to cash this _______ cheque.
      Clerk: Do you have your ________?
      Man:   Yes.
      Clerk: Thank you. ________ here, please. Here you are.
      Man:   Thank you.

C  You are going to hear some currency codes. Write the appropriate currency code next to the name of the country.
   Currency code  Country        Currency code  Country
   _____________  Holland        _____________ Belgium
   _____________  Great Britain  _____________  Australia
   _____________  Italy          _____________  the United Sates of America
   _____________  Canada  _____________ Japan
   _____________  Norway         _____________ Sweden
   _____________  Denmark  _____________ Switzerland
   _____________  Germany  _____________ France
   _____________  Spain   _____________  the People's Republic of China

Part Ⅱ  Using a bank account
Transactions carried out by any individual or firm engaged in providing financial services are called banking⁶. In the broadest sense, a bank is a financial intermediary that performs one or more of the following functions: safeguards and transfers funds, lends or facilitates lending, guarantees 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  You are going to hear a short passage about foreign exchange. Write down every word as a dictation. It will be read three times. In the first reading, you will hear the whole passage from beginning to end. In the second reading, you will hear a pause after each sentence or just part of a sentence. During the pause, you must write down what you have just heard as quickly as possible. You can check what you have written with the third reading.
   _____________________________________________________________
   _____________________________________________________________
   _____________________________________________________________
   _____________________________________________________________
   _____________________________________________________________
   _____________________________________________________________

B  Alex is a university freshman⁷. It's the first time for him to go to the bank to draw some money on his own. In this section, you are going to listen to a conversation between Alex and the cashier. While you listen, suppose you are Alex, and fill in the blank cheque according to the instructions given by the bank cashier.
    
Part Ⅲ Making phone calls to chase late payments
Cash payment is not popular 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 cheque. But every coin has two sides, and banks are no exception. Sometimes something unexpected will happen.

A  You are going to hear several phone calls about chasing late payment of invoices⁸. While listening for the first time, focus on the key words, add more key words if you can in the left-hand column. After the second listening, complete the summaries of the phone calls in the right-hand column with the help of the notes.
   Summary
   Call 1
   Paul Smythe _________ Mr. Martinez from __________ in the _______ about their _________. It was sent to Mr. Martinez on _________, but the __________ hadn't been ___________ even after more than _________ months Mr. Martinez promised to  it and he would __________ Mr. Smythe in the_________.
 
   Summary
   Call 2
   __________ called back ____________ in the afternoon and told him that the reason why the ________ couldn't be _________ is because Mr. Symthe's ____________ were ___________. Actually it was ___________ who made a mistake. He mistook ________ for ___________. So Mr. Martinez promised to ____________ the amount to the ___________ the ___________ day ___________ the bank opened.
 
   Summary
   Call 3
   Mr. Smythe telephoned the __________ of the __________ to ___________ whether a ___________ had been ___________ from ___________. The account number was ___________ and the account name was dress was ______________, and the address was ___________. The ___________ was received on ___________ and the actual amount was __________. But Mr. Smythe was expecting a __________ figure of __________. So that's how it is. The money was transferred in ___________, so it had to be _________ into ________, and the bank charged __________ for the conversion⁹.

B  Now try this: listen to some more authentic¹⁰ versions of the phone calls.

Part Ⅳ  More about the topic: E-money--Money of the Future?
The most important types of money are commodity money, credit money, and fiat¹¹ money. The value of commodity money is about equal to the value of the material contained in it. Credit money is paper backed by promises by either a government or a bank, to pay the equivalent value in the standard monetary¹² metal. Paper money that is not redeemable¹³ in any other type of money and the value of which is fixed¹⁴ merely by government edict is known as fiat money. But do you know what money will look like in the future?
The following short passage is about the latest money: electronic-money or e-money. Supply the missing words while listening.

   Just _______: no ______ in your pants, no _____ in your wallet. To buy a coke, you simply ______ a card into the vending¹⁵ machine. You put __________ the same card to ________ a bus, _____ your laundry, or ________ a newspaper. You ________ value to the card by inserting it in an Automatic Teller Machine.
   Such are the ________ cards scientists are developing. Some scientists call them chip cards. Some others call them ___________ purses, or simply e-money--money of the future.
   A smart card goes a step _________ the magnetic card we use today. It is like a ________ disk or almost a tiny ________. It is a ________ device. Scientists intend such smart cards to ________ cash in our wallets.
   Why cards instead of cash or cheque? Convenience, ________, and cost. Money _____ money. ________ it, accounting¹⁶ for it, and __________ it is expensive--whether the money in the form of _____, cheques, or ____________. Money wears out, cheques must be handled and _______. Credit cards must be manufactured. The amounts of transactions must be verified by phone.
   Today's bills are problematic for ________ machines. Where a ________ coin is acceptable, a ______ coin will be _______. Modern vending machines ________ dollar ________, but remember, only perfectly¹⁷ ________ dollar bills, without ________ corners or wrinkled ________.
   And one of the most important benefits of smart cards is that the card's ________  be verified and changed without going through a _______ system such as a ________ card has to. That will finally ________ smart cards ________ the favour of all users and in effect become the money of the ________, sooner than we ________.

part Ⅴ  Memory test: Judy's Weekly Spending
Any medium 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 value for measuring the relative worth of different goods and services. The number of units of money required to buy a commodity is the price of the commodity.
You are going to hear Judy describing what she spent money on last week (preferably only one time). Pay close attention to the prices, and add up in your mind how much money she spent. The monologue¹⁸ is followed by some questions . Listen and write down the brief answers as quickly as possible according to the notes you have taken while listening.
 
Part Ⅵ  Reminder of key points in this unit
           Verb & Verb Phrase  Noun & Noun Phrase Other
   Part Ⅰ charge        savings account         minimum
    withdraw        checking account appropriate
    fill out        deposit 
    cash                interest rate 
    take out            check / cheque   
    sign                withdrawal form
                               withdrawal form
                               bank book 
                 identification 
                 driver's license 
                 loan 
                 customer 
                 traveller's cheque 
                 currency code 
   Part Ⅱ make out            top right-hand corner  on the left/right-
    draw out        amount                  hand side
                 bottom right-hand corner  afterwards
                 signature          in letters / numbers
                                    right underneath
                                    only
   Part Ⅲ ring about        invoice                  exactly
    raise        payment                  royal
    follow        bank detail          manana
    check        account enquiry 
    get back to        transfer 
    contact        account name 
    look forward to     partners 
    hear from        estate 
    look into        credit 
    transfer        round figure 
    sort out credit     charge screen 
    convert        Spanish pesetas 
                 conversion 
   Part Ⅳ insert        e-money                  smart
    pull out        pant                  electronic
    board        vending machine          magnetic
    add value to        laundry                  problematic
    go a step beyond    Automatic Teller Machine  acceptable
    intend        chip                  perfectly
    replace        computer disk            folded
     handle        memory device          wrinkled
    account for        convenience          in effect
    wear out        transaction 
     verify        benefit 
    reject        complex 
    win the favour of  
   Part Ⅴ         supermarket          a bit up from
                 petrol                  a couple of
                 pub                  from time to time
                 luxury                  not bad