Unit3 PropertyBoom 高级综合商务英语答案.doc
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1、Unit 3 Property BoomText AI. Reading Comprehension1. Determine whether the following statements are true or false. Write a T for true, an F for false, and an NG for not given.1) F 2) T 3) F 4) F 5) NG 6) F 7) T 8) F 9) T 10) T2. Essay Questions 1) We can see from the index that for the first 100 yea
2、rs or so, prices go up and down but gain very little overall. However, starting in the late 1990s, house prices began to soar unprecedentedly. Then after hitting the summit in the middle of the first decade of the new century, it started to plummet.2) Because property loans are relatively light on c
3、apital and backed by real assets. In retail banking mortgages are thought to anchor long-term relationships with customers. And lending on commercial property is big enough for sales teams to meet their targets.3) The first lever is the institutional framework controlled by the governmentthings like
4、 tax breaks, housing subsidies, land supply and the laws on recourse in the event of default. The second lever is the system of mortgage financing. And the third lever is the idea of macroprudential regulation which is already common in some parts of the world.4) It deprives first-time buyers and th
5、e self-employed of their right to raise a bank loan. As a consequence, they are encouraged to seek more expensive and unsecured method of financing. Some lenders also fret that if underwriting becomes too prescriptive, borrowers are relieved of taking responsibility for their own actions. 5) Thanks
6、to transaction taxes, property bubbles are helpful to exchequers and the job markets when the property boom is under way. II.Blank-filling: Complete the following sentences with the words given in the box. Change the form when necessary. 1) replicate 2) fiscal 3) discretionary 4) unsustainable 5) vo
7、latile6) transferable 7) mandate 8) default 9) liquidity 10) dampenedIII. Paraphrasing1. Rewriting: Rewrite the underlined part of each sentence in your own words. 1) It is not easy to find out the reasons for the property bubble, but few would dispute that easy credit played a part in driving up pr
8、ices and making the bust worse.2) Imposing rigid limits on how much people can borrow either disenfranchises somefirst-time buyers and the self-employed tend to suffer mostor increases the risks for those resorting to a more expensive, unsecured way of financing in order to bypass the regulation.3)
9、Despite the evidence of Mr. Shillers chart, lots of financiers and politicians tried to convince themselves that things were not that bad this time.4) Still, it is relatively easy to cool down the property booms in emerging markets, where there are usually more people to help into homes than there a
10、re existing homeowners.5) Therefore financial regulators should be given clear authorized power to resist the pressures they will face when the next boom is under way.2. Sentence Transformation: Complete the following sentences based on the structures given.1) Only if basic guarantee standards conti
11、nue to be met, can more liberal financing regimes be a good thing (ask any young Italian who wants to buy a home).2) long-term fixed-rate mortgages are adopted by the Danish system, just like the American one, to protect borrowers from the risks of interest-rate fluctuation.3) It is also worried by
12、some lenders that if banks impose too strict rules to guarantee the payment of loans, the borrowers would not bear responsibility for their own actions.4) Different from the universal excessiveness of property everywhere, the policy response to the property booms in the past decade will and should n
13、ot be the same in different countries.5) In order to lower the amount of debt which is unavoidable in property, banks have to increase the amount of equity they hold.IV.Translation1. Sentence Translation1) 在银行的零售业务中,抵押贷款被认为是一项能有助于银行与客户建立长期关系的业务。对商业房地产的贷款也由于数额巨大能够一次性地使销售团队达到他们的目标。2) 第一种杠杆是由政府控制的体制框架像
14、税收减免、住房津贴、土地供应和有关违约追诉的法律等等。3) 根据旨在削减美国的预算赤字而起草的提案,抵押贷款的利息所享受的税务优惠将会减少。4) 许多经济观察家热情推荐丹麦模式,这种模式的特点在于由专业从事抵押贷款业务的银行对放贷比率进行严格控制。5) 中国、新加坡以及其他国家和地区的政府和调控部门好像一直都在采取调整放贷的比率,限制用于投机性房产购置的贷款数量,对在一定期限内抛售的房产征税等措施。V.Cloze 1) plummeted 2) follow 3) average 4) dropped 5) period 6) website 7) discounts 8) property
15、9) down 10) transactions 11) cooling 12) primary13) weak 14) inventory 15) peakVI.Listening 1. Multiple Choice: Listen to a piece of news for the first time and choose the best answer to each question. 1) C 2) B 3) A 4) C 5) D2. Blank-filling: Listen to the news again and complete the following para
16、graphs with the information you get.1) government-subsidized 2) financially 3) middle-income 4) urban 5) the safety and quality of affordable housing6) a mechanism must be built to ensure openness and transparency in allocating such housesTapescriptsMore Affordable Housing Will Strengthen Social Saf
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