日常生活英语素材：Finance财政金融

2025-08-13 08:31:00来源：网络

　　日常生活英语口语，对于大家来说，也是比较常见的，用到的频率更高。所以加强这部分英语口语的练习，可以更便利大家的生活。那么这些常见的日常生活英语口语都有哪些呢？小编为大家整理了“日常生活英语素材：Finance财政金融”详细的内容，供大家参考练习。

　　Unit 29 Finance

　　财政金融

　　Part One: Expressions

　　How are your stocks doing, Jim?

　　吉姆，你的股票怎么样了？

　　I lost a bunch of money in the last two years.

　　过去两年我赔了很多钱。

　　I changed my strategy around too.

　　我改变了自己的策略。

　　I like to open up a savings account please.

　　我想开一个储蓄帐户。

　　I want the one with the highest interest rate.

　　我想要最高利息的那种。

　　You have to maintain a balance of $10,000 in the account.

　　你必须在账户里保持1万元的余额。

　　I’ll be with you in one second.

　　我马上就来。

　　I want to take out a loan for school.

　　我想获得读书贷款。

　　Do you qualify for any of the federal loan programs?

　　你具备获得联邦政府贷款项目的资格吗？

　　10. How do I go about taking it out?

　　怎么样可以获得？

　　Part Two: Dialogues

　　Investments投资

　　A: How are your stocks doing, Jim?

　　B: Oh, all right. I lost a bunch of money in the last two years, but this year has been pretty good.

　　A: Yeah. I lost money investing in the Internet, too.

　　B: Just goes to show that you should buy companies, not ideas.

　　A: I changed my strategy around too. I invest in good companies now.

　　B: Yeah, me too. Did you hear about Frank?

　　A: No, what happened?

　　B: He lost his kids’ college money day trading.

　　A: Oh, boy. His wife can’t be happy about that.

　　A: 你的股票怎么样了，吉姆。

　　B: 哦，还可以。我去年这两年赔了一些钱，但是今年很不错。

　　A: 是的。我投资因特网也赔了一些钱。

　　B: 这说明你应该投资具体的公司，而不光是一些概念。

　　A: 我也改变了我的策略，我现在投资前景好的公司。

　　B: 是的，我也是。你知道弗兰克的事情吗？

　　A: 没有，怎么了？

　　B: 他做生意把孩子上大学的钱赔了。

　　A: 哦，天。他的太太听了肯定会不高兴的。

　　Savings Accounts储蓄帐户

　　A: I like to open up a savings account please.

　　B: O.K. We offer a few different kinds.

　　A: I want the one with the highest interest rate.

　　B: That would be our Saver’s Plus account.

　　A: 5%, that’s good. How much money do I have to keep in it to get that rate?

　　B: You have to maintain a balance of $10,000 in the account or the rate drops to 3%.

　　A: All right. I’ll open one of those.

　　B: Just fill out these forms, and I’ll be with you in one second.

　　A: Thanks.

　　A: 我想在这儿开一个储蓄帐户。

　　B: 好的，我们有很多种。

　　A: 我要利息最高的这种。

　　B: 那可以试试我们的储值账户。

　　A: 5%，不错。要开这种账户得存多少钱？

　　B: 你必须保证有1万美元的余额存储否则利率将降至3%。

　　A: 好的，我就开这种账户。

　　B: 请填表。我马上就来。

　　A: 谢谢。

　　Loans贷款

　　A: Hello, how can I help you, sir?

　　B: I want to take out a loan for school. What kind of interest rates do you offer?

　　A: Do you qualify for any of the federal loan programs?

　　B: Yes, but I need to borrow some more money.

　　A: Well, in that case, we can offer you a private educational loan.

　　B: What’s the interest rate?

　　A: It’s 2%, fixed-rate loan.

　　B: How do I go about taking it out?

　　A: Just fill out this application. We can let you know right away if you qualify.

　　B: All right. Thank you.

　　A: 你好，可以为您效劳吗，先生？

　　B: 我想获得读书贷款。你们的利息是多少？

　　A: 你是否具备联邦政府的贷款资格呢？

　　B: 是的，但是我还需要再多借一点。

　　A: 好的，这样的话，我们可以向你提供个人（非政府）教育贷款。

　　B: 利息是多少呢？

　　A: 2%的固定利息贷款。

　　B: 要获得这种贷款要怎么做？

　　A: 填这份申请表。如果你符合资格我们会很快通知你的。

　　B: 好的，谢谢你。

　　Part Three: Substitution Drills

　　A: How are your (stocks/ assets/ funds) doing, Jim?

　　B: Fine, thanks.

　　你的（股票/资产/资金）怎么样了，吉姆？

　　不错，谢谢。

　　A: I lost a bunch of money in the last two years.

　　B: You should change your (brokerage firm/ strategy/ investments).

　　过去的两年我赔了很多钱。

　　你应该改变一下你的（经纪公司/策略/投资方向）。

　　A: I invest in good companies that (are promising / have smart management/ a strong record).

　　B: Now that’s great thinking.

　　我在一家（前景看好的/管理精明的/纪录良好）的公司投资了。

　　现阶段这个想法很不错。

　　A: Can I help you?

　　B: I like to (open up a savings account/ change money/ take out a loan), please.

　　可以为你效劳吗？

　　我想开一个（储蓄帐户/换一些钱/获得贷款）。

　　A: I want the one with the highest (interest rate/ returns/ rate).

　　B: Certainly.

　　我想要最高（利息/利润/利率）。

　　当然。

　　A: You have to maintain a balance of ($10,000/ $100/ $5,000) in the account.

　　B: I see.

　　你必须保证有（1万美元/100美元/5千美元）的余额存储。

　　我明白。

　　A: Excuse me, sir.

　　B: Yes, I’ll be with you in one (second/ moment/ minute).

　　打扰一下，先生。

　　好的，我（马上/很快/立刻）就来。

　　A: I want to take out a loan for (school/ a new house/ new business).

　　B: I’ll have to do a background check.

　　我想获得（读书/购房/营业）贷款。

　　我必须进行相关背景调查。

　　A: Do you qualify for any of the federal (loan/ scholarship/ aid) programs?

　　B: I’m not sure.

　　你具备资格获得任何联邦政府（贷款/奖学金/援助项目）吗？

　　我不能确定。

　　10. A: How do I go about (taking it out/ applying/ signing up)?

　　B: Just fill out these forms and we’ll get back to you.

　　我如何（获得/申请/报名）？

　　填这些表格，我们会和你联系。

　　Part Four: Monologue

　　Loans are a very common in the United States. Americans take out loans to buy a car or a house, and many young people borrow money to go to university. The interest rate on a loan is very important. It is how much money you pay to your lender to be allowed to borrow the money. It is added to your monthly payments. A typical education loan might have an interest rate of 5-8 percent, and take 10 years to pay off. Students do not have to pay for their loans while they are in school under the government loan program. It is a very helpful program considering that going to college can cost as much as $120,000.

　　在美国，贷款是很普遍的。美国人会通过借贷来买车，买房，年轻人则会贷款去上大学。贷款的利息是很重要的因素。它是你必须付给你的借贷人的那部分钱，附加在你每月支付额之内。典型的教育贷款利息可能为5%到8%的利率，分10年付清。如果是政府贷款项目，那么在校期间学生不需要偿还贷款。对于上大学要花费的12万美元的费用来说，这个项目很有帮助。

　　Part Five: Vocabulary and Phrases

　　--loan 贷款

　　--interest rate利率

　　--fixed rate固定利率

　　--application 申请，请求；申请书

　　--qualify 取得资格；具备合格条件

　　--balance 平衡，均衡

　　--maintain a balance保持（收支）平衡

　　--invest 投（资）[(+in)]

　　--investment 投资；投资额；投资物

　　--stock 贮存，股票，股份

　　--strategy 策略