Chapter Eight Time as communication

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《你是我的不二闺蜜—女性朋友间的话语解读》(第六章)翻译实践报告

《你是我的不二闺蜜—女性朋友间的话语解读》(第六章)翻译实践报告

A Report on the Translation of You’re the Only One I Can Tell: Inside theLanguage of Women’s Friendships(Chapter 6)ByLi QiuyuA Thesis Submitted to the Graduate Schoolof Sichuan International Studies UniversityIn Partial Fulfillment of the Requirementsfor the Degree ofMaster of Translation and InterpretingUnder the Supervision of Associate Professor Xia XindongMay, 2018《你是我的不二闺蜜——女性朋友间的话语解读》(第六章)翻译实践报告摘 要本翻译报告的原文选自 《你是我的不二闺蜜——女性朋友间的话语解读》一书中第六章。

该书由美国语言学教授黛博拉·坦嫩所著,探讨了过分亲密给友谊带来的潜在伤害。

本报告分为四章:第一章是介绍翻译报告的背景、目标、和结构。

第二章是介绍源文文本相关内容,包括介绍作者、源文内容以及对源文特征的分析。

根据彼得·纽马克的文本类型理论,源文属于信息型文本,翻译该类文本时,应该确保译文的可读性。

第三章主要是对翻译指导理论的选择和应用,同时本章还提到翻译过程中的相应策略。

本翻译报告以彼得·纽马克的交际翻译为理论基础,并结合自身翻译实践,探讨了其在翻译过程中的指导作用。

第四章是对翻译报告的总结,包括翻译过程中积累的经验教训及遗留的个别问题。

关键词: 翻译报告;信息型文本;交际翻译;翻译技巧A Report on the Translation of You’re the Only One I Can Tell:Inside the Language of Women’s Friendships(Chapter 6)AbstractThis is a report on the translation of Chapter 6 of You’re the Only One I Can Tell: Inside the Language of Women’s Friendships authored by Deborah Tannen, an American academic professor. The book is about general information of intimacy and its potential harm to friendships. This translation report is mainly classified into four chapters: Chapter 1 gives a brief introduction to project background, objectives and structure of the translation report. Chapter 2 consists of the author’s basic information, publishing facts and main ideas of the original text. Based on Peter Newmark’s text theory, the source text belongs to informative texts. The translation of such text focuses on the accuracy. Chapter 3 contains a careful description of guiding theory and its direction to this translation project. For the reason that the source text is categorized into informative text, the translator adopts Newmark’s “communicative translation” strategy as guidance. Chapter 4 concludes with the experience and lessons from the translation as well as the problems to be resolved.Key words: translation project report; informative text; communicative translation; translation skillsAcknowledgementsUpon the completion of the project report, I would like to express my sincere gratitude to all the people who have helped me a lot in the two years.First of all, I would like to offer my deepest gratitude to my supervisor, Ms. Xia Xindong, who is very amiable and patient. She has spent much time reading through each of my draft and pointed out mistakes in the paper patiently. With her enlightening instructions and careful modifications, I have finished my paper.I also would like to express my heartfelt gratitude to all the teachers who have taught me over the past two years. They helped me to know translation better. Their words and deeds also have enormous influences on the formation of my personality.Moreover, I am deeply indebted to my parents and my friends, who are very considerate and kindhearted. They have accompanied and encouraged me in the writing of the translation project.Last but not least, my indebtedness also goes to those who are willing to spend their time and energy in reading this paper.CONTENTS摘 要....................................................................................................................... i i Abstract . (iii)Acknowledgements .................................................................................................. i v Chapter 1 General Introduction (1)1.1Background of the Report (1)1.2Objectives of the Report (2)1.3Structure of the Report (2)Chapter 2 An Introduction to the Source Text (3)2.1About the Author (3)2.2 About the Source Text (4)2.2.1 Publishing Facts of the Source Text (4)2.2.2 Content of the Source Text (4)2.2.3 Linguistic Feature of the Source Text (5)Chapter 3 Theoretical Basis, Translation Difficulties and Solutions (6)3.1 Guiding Theory (6)3.1.1 Introduction to Communicative Translation (6)3.1.2 Application of Communicative Translation (7)3.2 Translation Difficulties (9)3.3 Translation Methods (11)3.3.1 Inversion (11)3.3.2 Conversion (12)3.3.3 Amplification (14)3.3.4 Sentence Division (15)Chapter 4 Conclusion (17)4.1 Lessons Learned from the Translation Practice (17)4.2 Problems to be Resolved (18)References (19)Appendix I Source Text (20)Appendix II 中文译文 (36)Chapter 1 General IntroductionThis chapter makes an introduction to the translation project, involving project background, objectives and structure of the report.1.1Background of the ReportAccording to a survey, most college students nowadays belong to the only child group. Those spoiled children tend to be self-centered and always fail to take others’ feelings into account. When they go to college, they find it hard to get on well with their roommates. In recent years, the media reported several tragic cases which resulted from disharmonious relationship among roommates. Since there are tragic accidents happening in dormitory, people begin to pay more attention to college students’ mental health. As for a generation of the only child, many college students have problems with people and some don’t even know how to interact with others. It is necessary for college students to gain some knowledge of interpersonal communication to deal with tricky things in their life. Thus, based on the translation of Chapter 6 of the book You’re the Only One I Can Tell, the significance of the project is mainly embodied in the following two aspects: firstly, it can make college students realize the subtlety of interpersonal communication and call their attention to behave themselves. Besides, by translating the book, it is hoped to instruct the translation practice and provide guidance for others in the future.This book is not like those theory-oriented ones. It offers many real-life examples which is easy to understand and more instructive. From casual chatting to intimate confiding, from talking about problems to telling what you had for dinner, Tannen uncovers the patterns of communication and miscommunication that affect friendships at different points in our lives. She shows how even the best of friends—with the best intentions—can say wrong things, and how words can repair the damage done by words. Through Tannen’s insight, humor, and ability to present pitch-perfect real-life dialogues, readers will see themselves and their friendships on every page. So, to translate this book will provide references for college students to better understand one another.1.2Objectives of the ReportThe translation report is based on the Chapter 6 named “Too Close for Comfort” which deconstructs the ways in which women friends talk and how those ways can bring friends closer or pull them apart. The project helps readers grasp the notion of “cutoffs” and “poaching” in friendship which are rarely realized by them and makes them understand friendship better. The translation of this text also aims to explain the multiple roles of friendships and to benefit college students who want to gain some knowledge of interpersonal communication from real-life examples. In addition, it is hoped that the translation of the text can help the author to understand Peter Newmark’s communicative translation better and make a summary of two-year studies as a postgraduate.1.3Structure of the ReportThe translation report includes the following chapters. Chapter 1 makes an introduction to the translation project, which involves project background, objectives and structure of the report. Chapter 2 gives a brief introduction to the author and an analysis of the source text, containing publishing information and main contents of the original. Chapter 3 offers a detailed description of “communicative translation” theory, followed by its guidance to this translation project. At the same time, this chapter also points out the difficulties encountered in the translation and the application of translation methods. Chapter 4 is the conclusion, which summarizes the lessons learnt from the translating process and the problems left to be solved.Chapter 2 An Introduction to the Source TextThis chapter is about the author and the analysis of the source text, containing publishing information and main contents of the original.2.1 About the AuthorYou’re the Only One I Can Tell: Inside the Language of Women’s Friendships is written by Deborah Tannen, who is an American academic and professor of linguistics at Georgetown University in Washington, D.C..Deborah Tannen focuses on the expression of interpersonal relationships especially in the conversational interaction. Tannen has researched conversational interaction and style differences at various levels and related to different situations, involving differences in conversation styles in connection with gender and cultural background. Particularly, Deborah Tannen has done many gender-linked researches and writing which put stress on miscommunications between men and women.Tannen also wrote some general-audience books about interpersonal communication and public discourse. She became a household name in the United States after the book You Just Don't Understand: Women and Men in Conversation, which was published in 1990. It has been on the New York Times Best Seller list for almost four years (eight months at No.1) and it was rendered into 30 other languages. She has also written several other books, such as:That's Not What I Meant!: How Conversational Style Makes or Breaks Relationships(published by William Morrow Paperbacks in 2011);The Argument Culture: Stopping America's War of Words (published by Ballantine Books in 1999); andI Only Say This Because I Love You: Talking to Your Parents, Partner, Sibs, and Kids When You're All Adults(published by Ballantine Books in 2002).2.2 About the Source Text2.2.1 Publishing Facts of the Source TextIn 2017, You’re the Only One I Can Tell: Inside the Language of Women’s Friendships was first published in the United States by Ballantine Books and in Great Britain by Virago Press. The Wall Street Journal and The Washington Post highly recommended the book. ISBN:9781101885802. Up to now, there is no Chinese version published.2.2.2 Content of the Source TextFriendship is to us what sunshine to trees. Friendship acts as multiple roles in our lives. Sometimes, friends instruct and encourage us like a mentor or a therapist; sometimes, friends take good care of us like a mother or a big sister. Now that friendship is so important, we should treasure it carefully. The goal of the book You’re the Only One I Can Tell: Inside the Language of Women’s Friendships is to help readers understand women’s friendships—how they work or fail, how they help and hurt, and how we can make them better.This book also aims to figure out what it means to be a friend and how we connect to other people. Apart from some occasional examples from novels and short stories, all the examples which the author gave are based on real ones.Though Deborah Tannen focuses on women’s friendships, but some of what she writes might also be true of friendships between women and men, and among men.In the chapter 6 “Too Close for Comfort”, Deborah Tannen explains friendship is like a double-edged sword which is “for your growth” but also “ for your pruning”. Especially when a friendship gets too close, it is more likely to be for your pruning. The translation project selects chapter 6 (10000 words) as the source text which gives a detailed introduction to “cutoffs” and “poaching” and makes some analyses.2.2.3 Linguistic Feature of the Source TextPeter Newmark is a famous British translation theorist, who classified texts into three categories: expressive text, informative text and vocative text on the basis of Karl Buhler’s theory of language and Katharina Reiss’s typology.According to Newmark, informative texts include textbooks, memos, reports, papers and so on, and put stress on the external situation, the topic and the reality beyond the language(Newmark, 1988, p.40), therefore, this type of text is to convey the information and mainly focuses on the content or topic. The target translation of this type calls for receptors’ response and understanding. Thus, Newmark advised adopting the approach of communicative translation, attempting to exert an effect on its receptors as close as possible to that obtained on the readers of the source text and stress the truth and accuracy during the translating process. In terms of this aspect, Newmark’s opinion is similar to Eugene Nida’s dynamic equivalence, that’s, the readers of a translated text should be able to comprehend it to the point that they can conceive of how the original readers of the text must have understood and appreciate it.(Nida,1982, p. 118)In the book You’re the Only One I Can Tell: Inside the Language of Women’s Friendships, Tannen applies case-study method by interviewing more than 80 women from all over the word ranging in age from 9-97 to explore how patterns of communication and miscommunication have influences on friendships; and the language of the source text is characterized by concision and dialogues. As is known, the focus of an informative text is to deliver plain facts or referential content and topic. The source text can be categorized into the informative text. “The target text (TT) of an informative text should transmit the full referential or conceptual content of the source text (ST). The translation should be in plain prose, without redundancy and with the use of explication when required.”(Munday, 2001, p.73) Thus, in the translation of You’re the Only One I Can Tell: Inside the Language of Women’s Friendships, the translator should pay attention to the linguistic differences and apply various translation skills so that the version is more understandable and readable for Chinese readers.Chapter 3 Theoretical Basis, Translation Difficulties and SolutionsThis chapter contains a careful description of guiding theory and its direction to this translation project. For the reason that the source text is categorized into informative text, the translator adopts Newmark’s “communicative translation” strategy as guidance.3.1 Guiding TheoryAccording to Newmark’s text typology, the source text is under the category of informative text. The focus of an informative text is to deliver plain facts, logical or referential content and topic. According to Katherina Reiss, the ideal translation would be one “in which the aim in the target language is equivalence as regards the conceptual content, linguistic form and communicative function of a source language text.”(Reiss, 1987, p.112) Hence, the translator selects the communicative translation theory of Peter Newmark as the guiding theory of the thesis, where the translator attempts to exert the same effect on the target text readers as the original produced on the source text readers to guarantee the target text readers can receive the same meaning as readers of the original language.3.1.1 Introduction to Communicative TranslationPeter Newmark is an English professor of translation at the University of Surrey. He is renowned for Approaches to Translation, About Translation and A Textbook of Translation and so on. He put forward two translation models: semantic translation and communicative translation. In A Textbook of Translation, he noted “while semantic translation is used for expressive texts, communicative translation is for informative and vocative texts” (Newmark, 1988, p.47) According to Newmark, “communicative translation attempts to produce on its readers an effect as close as possible to that obtained on the readers of the original.”(马会娟&苗菊, 2009, p. 33)“Communicative translation addresses itself solely to the second reader, whodoes not anticipate difficulties or obscurities, and would expect a generous transfer of foreign elements into his own culture as well as his language where necessary.”(马会娟&苗菊, 2009, p. 33)Normally, by making and adapting the thought and cultural content of the original,the translator makes the version more easier, smoother, clearer and more idiomatic to read. In this case, the translator has a high degree of freedom to explain the source text, adjust the style, eliminate the ambiguity and even correct the mistake of the original author.3.1.2 Application of Communicative TranslationThis project takes the communicative translation as the guiding theory. According to Newmark ,“communicative translation attempts to render the exact contextual meaning of the original in such a way that both content and language are readily acceptable and comprehensible to the readership.”(Newmark, 2001, p.47)Example 1ST: But friends can also be for your pruning.TT:但是朋友也会使你退步。

2024年英语专八考试作文

2024年英语专八考试作文

The Evolution of Digital Communication and Its Impact on Interpersonal RelationshipsIn the rapidly advancing world of technology, the evolution of digital communication has been nothing shortof transformative. From the early days of telegraph and telephone to the modern-day social media and messaging apps, the manner and medium of communication have undergone significant changes. The advent of the internet and subsequent technological advancements have further accelerated this evolution, leading to profound impacts on interpersonal relationships.The rise of digital communication has brought about unprecedented convenience and accessibility. People can now stay connected with their loved ones across vast distances, share instant messages, and access a wealth of information with just a few taps on their smartphones. Social media platforms have allowed individuals to create virtual communities, share their thoughts and experiences, and connect with people who share similar interests. Video conferencing tools have made it possible for businesses to conduct meetings remotely, saving time and resources.However, this digital revolution has not been withoutits challenges. One significant impact has been the shiftin the dynamics of interpersonal relationships. With the proliferation of digital devices and social media, people are increasingly spending more time online than ever before. This constant engagement with digital screens has led to a decrease in face-to-face interactions, potentially weakening the bonds of human relationships.Moreover, the anonymous nature of digital communication has given rise to issues such as cyberbullying, trolling, and the spread of misinformation. People often feel freerto express their opinions and sentiments anonymously, which can lead to harmful consequences for others. The lack ofnon-verbal cues and body language in digital communication can also lead to misunderstandings and conflicts.Despite these challenges, the evolution of digital communication has also presented new opportunities for enhancing interpersonal relationships. Online therapy and counseling services have provided a platform forindividuals to seek help and support anonymously, reducing the stigma associated with mental health issues. Digitaltools such as video conferencing and messaging apps have enabled people to maintain regular contact with their loved ones, even during times of physical separation.In conclusion, the evolution of digital communication has brought about significant changes in the way weinteract and relate to each other. While it has presented new challenges, it has also opened up new possibilities for enhancing interpersonal relationships. It is important for us to recognize the benefits and limitations of digital communication and use it wisely to foster healthier and more fulfilling relationships.**数字通信的演变及其对人际关系的影响**在科技飞速发展的世界中,数字通信的演变堪称革命性。

西财《外贸函电》教学资料包 课后习题答案 Chapter_Eight

西财《外贸函电》教学资料包 课后习题答案 Chapter_Eight

Chapter EightI. Choose the best answer to complete the following statements.1-5 D D B B D 6-10 A C B B CII. Translate the following sentences into Chinese.1.很遗憾,我们没有收到你方2240号订单的相关信用证。

2.根据双方合同规定,你方应于3月13日前开出信用证。

3.我方已收到你方9月29日传真,要求我们为信用证展期两周。

4.如果我方于本月底前收到你方的信用证,我们将努力安排下月装船。

5. 你方订购货物已经备好一段时间,请尽快开出信用证以便我方及时装运货物。

III. Translate the following sentences into English.1. Considering the friendly business relation between us , we will keep the goods for you to the next month.2. Please extend the shipment date and the validity of L/C to April 15and the end or April respectively.3. The shipment date is drawing near, but we have not received your L/C.4. We are regretful the owing to your delay of establishment by L/C, we can not make shipmentwithin the time stipulated. Therefore, we have to ask you to extend the L/C for 2 weeks.5. In order to avoid subsequent amendments, please see to it that L/C stipulations are in conformity with our contract.IV. Fill in the blanks with proper words.1. Your compliance with our request will be highly appreciated.2. In the event you fail to do so, we will have to ask you to compensate us for all the losses.3. We have received your telex September 29, of which you asked us to extend our L/C in two weeks.4. Please amend the relevant L/C by telex to enable us to ship the goods before thetime stipulated in the contract.5. Please amend the L/C to allowing transshipment and partial shipment.6. In this case, we earnestly hope that you will understand our situation and extend the letter of credit to the end of August.7. As direct sailings from our port to Sydney are few and far away , we expect you to allow us to ship the goods via Hong Kong.8. We hope that this amendment will meet with your approval and thank you for your cooperation.9. The steamer on which we have booked shipping space is cancelled. as a result, we have to ask you to extend the covering L/C.10. The L/C calls for direct shipment, but it is the question.V. Translate the following letters into Chinese.敬启者:参考我们第220号销售确认书,我们想请你方注意货物已经准备好装运了,但是至今为止,我们还没有收到相关信用证。

《哈利波特与魔法石》第8章《魔药课老师》中英文对照学习版

《哈利波特与魔法石》第8章《魔药课老师》中英文对照学习版

中英文对照学习版Harry Potter and Philosopher’s Stone《哈利˙波特与魔法石》CHAPTER EightThe Potions Master第八章魔药课老师‘There, l ook.’“就在那边,快看。

”‘Where?’“哪边?”‘Next to the tall kid with the red hair.’“在那个高个红头发男生旁边。

”‘Wearing the glasses?’“那个戴眼镜的?”‘Did you see his face?’“你看见他的脸了吗?”‘Did you see his scar?’“看见他那道伤疤了吗?”Whispers foll owed Harry from the moment he l eft his d ormitory next day. Peopl e queuing outsid e classrooms stood on tiptoe to get a l ook at him, or d oubl ed back to pass him in the corrid ors again, staring. Harry wished they woul dn't, because he was trying to concentrate on finding his way to classes.第二天,哈利走出寝室,这些窃窃私语就一直紧追着他。

学生们在教室外边排着长队,个个踮着脚尖,想一睹他的真面目。

在走廊里,他们从他身边走过去,又折回来,死死地盯着他看。

哈利希望他们不要这样,因为他要集中注意力寻找去教室的路。

There were a hundred and forty-two staircases at Hogwarts: wid e, sweeping ones; narrow, rickety ones; some that l ed somewhere different on a Friday; some with a vanishing step halfway up that you had to remember to jump. Then there were d oors that woul dn't open unl ess you asked politely, or tickl ed them in exactly the right place, and d oors that weren't really d oors at all, but solid walls just pretending. It was also very hard to remember where anything was, because it all seemed to move around a l ot. The peopl e in the portraits kept going to visit each other and Harry was sure the coats of armour coul d walk.霍格沃茨的楼梯总共有一百四十二处之多。

MBA必修课《管理沟通》英文版课件chapter 1

MBA必修课《管理沟通》英文版课件chapter 1

Part IV preparing reports and oral presentations
Chapter 10 planning business reports and proposals
Chapter 11 writing business reports and proposals
intensifying the need to communicate effectively (3) Describe how organizations share information internally and
externally (4) List eight ways the internet facilitates business communication (5) Define the six phases of the communication process (6) Identify and briefly discuss five types of communication barriers (7) Discuss four guidelines for overcoming communication barriers (8) Explain the attributes of ethical communication, and
Part III writing letters, memos, e-mail, and other brief messages
Chapter 7 writing routine messages Chapter 8 writing bad-news messages Chapter 9 writing persuasive message

徐美荣外贸英语函电第二版课后练习参考答案详解完整版

徐美荣外贸英语函电第二版课后练习参考答案详解完整版

外贸英语函电课后练习参考答案(中英文对照版)名词解释二、Establish business relations建立商务关系Import进口Export出口Importer进口商Exporter出口商Commercial counsellor’s office商务参赞处Chamber of commerce商会Credit standing资讯状况三、Inquiries询价First inquiry初次询价General inquiry一般询价Specific inquiry具体询价Commission佣金Delivery交货Effect delivery装运All necessary information所有必要的信息Delivery date装运期四、Quote报价Offer报盘Voluntary offer主动报盘Free offer虚盘(自由报盘)Firm offer实盘Pro forma invoice形式发票Import licence进口许可证Catalogue目录Under cover随函附上Supply from stock供现货五、Counteroffer还盘Be on the high side偏高Regret遗憾Be in line with与。

相符Reduce减少、降低Make a reduction ofThe prevailing market行市六、Accept接受Acceptance接受Confirmation of order订单的确认Sales contract销售合同Purchase contract购买合同Sales confirmation销售确认书Purchase confirmation供货确认书Sign签名Signature签名Counter-signature会签七、Payment terms支付条款Modes of payment支付方式Remittance汇付Telegraphic transfer (T/T)电汇Mail transfer (M/T)信汇Demand draft (D/D)票汇Collection托收Documents against payment (D/P)付款交单Documents against acceptance (D/A)承兑交单八、Kinds of L/C信用证种类Sight L/C即期信用证Term L/C远期信用证Establish L/C开立信用证Amendment to the L/C修改信用证Extension of the L/C展延信用证Check the L/C检查信用证With the terms of contract按合同九、Pack包装Packing requirements包装要求Shipping instructions装运指示Shipping marks唛头Shipping advice装运通知Modes of transportation运输方式Time of shipment装运期Destination目的地Partial shipment分批装运Transshipment转运十、Insurance保险Risk风险Average海损Cover投保Coverage承保范围Open policy预约保单Premium保险费翻译:Chapter Two1.我们从中国驻东京大使馆商务参赞处得知贵公司的行名和地址,并了解贵公司是经营家用电器产品有经验的出口商We obtained your name and address from commercial counsellor’s office of the Chinese embassy in Tokyo. They have informed us that you are experienced exporter in the market for home electrical appliances.2.我们的一个客户对你们的新产品感兴趣One of our customers is interested in your new production.3.我们的一个日本客户想要购买中国红茶One of our customers in Japan wants to be in the market for black tea.4.如你所知,我们的外贸政策是在平等互利的基础上与各国人民做生意As you know, our policy is to trade with merchants of various countries on the basis of equality and mutual benefit.5.我们希望你方尽最大努力促进业务又增进友谊。

语言学八九十章

语言学八九十章

Conjunction:
Addition is generally realized through structural coordination(结构并列),adding to what has been said previously. E.g: also,further, in addition.
第二个概念 Discourse markers 语篇标记 Definition: A discourse marker is traditionally regarded as a word or phrase that is relatively syntax-independent. It does not have a particular syntactic function, and does not change the content meaning of the utterance. Examples are oh, well, you know and I mean in spoken discourse and in addition and in the following section in written text. Functions: relationships between the speaker and the message; eg.He was evidently too tired to go any further. relationships between the speaker and hearer: eg.In my opinion, life in the 21st century is much better than it used to be. relationships among utterances. eg.He had been washing cars all day. Yet he was hardly aware of being tired.

专8模拟试题三

专8模拟试题三

TEST FOR ENGLISH MAJORS (2008)-GRADE EIGHT-PAPER ONETIME LIMIT: 95 MIN.PART I LISTENING COMPREHENSION [略]PART II PROOFREADING & ERROR CORRECTION [15 MIN.]The following passage contains TEN errors. Each indicated line contains a maximum of ONE error. In each case, only ONE word is involved. You should proof-read the passage and correct it inthe following way:For a wrong word, underline the wrong word and write the correct one in the blank provided at the end of the line.For a missing word, mark the position of the missing word with a "/\" sign and write the word you believe to be missing in the blank provided at the end of the line.For an unnecessary word, cross the unnecessary word with a slash "/" and put the word in the blank provided at the end of the line.Scientific and learned English is not merely internationalin using international words. English is frequently usednationally for these purposes, as was pointed out in the (1)previous chapter. A scholar in Denmark or Poland or evena vast country as Russia will today often write or at any (2)rate publish in English, because his work will therebyreach for a wider public. This does not mean that such a (3)scholar has a native-like knowledge of English. In fact,the preface will usually acknowledge the help of someonewho has corrected and checked the English or even does a (4)good deal of translation. The scholar himself may be verypoorly equipped to speak English or even to write it, esp.on any subject than his own field of interest. (5)This is that is today called having a 'restricted' or (6)'specialized' knowledge of English, and we have come torecognize increasingly this limited degree of linguistic ability .Few people have the time that is required to master a 'full'knowledge of a foreign language and few still would be (7)to make the much practical use of such a language. Indeed, (8)as has already been implied, even as native speakers wevary greatly in the amount and variety of fields of discourse (9)in where we feel at home. (10)PART III READING COMPREHENSION [40 MIN.]In this section there are four reading passages followed by a total of fifteen multiple-choice questions. Read the passages and then mark your answers on your colored answer sheet.TEXT AAn Ancient Arms Race Shows No Sign of Letting UpThe arms race that has darkened our century with fear and peril may finally be slowing. Weapons have been with us a long time. From personal combat at the very beginning of history to the impersonality of modern warfare, there has been a dynamic escalation in the complexity and specialization of attack and defense. From hand weapons and shields to ballistic missiles and Star Wars, offensive and defensive armaments have co-evolved.While arms races have been with us for millennia, nothing compares to the wasteful absorption of human talents and the costs in lives, talents, resources, and energy of the past 50 years of war, pseudowar and escalation in deterrence by mutually assured destruction. This has been the killing century…But as we reflect on the linked interdependence of attack and defense in our century, we need to remember that life on Earth has been involved in a biological arms race for hundreds of millions of years. Compared with that ancient process, the military arms race is but a blink in the eye of history. For a very brief period before the killing started billions of years ago, there was "innocence." At life's beginning the very first prot-organisms, formed in the "primordial soup," obtained their energy from inorganic sources. … Once living things existed, however, some became food sources for others. Life came to eat life, and attack and defense originated on Earth.11. According to the passage, human competition to develop the best weapons ____.A. began in the 20th century.B. escalated in the 20th century.C. is a modern phenomenon.D. is genetically predetermined.12. When the author reflects on the "linked interdependence of attack and defense," he suggests that ____.A. their origin preceded life.B. their development is precipitated by one another.C. their existence is dependent on human aggression.D. their escalation cannot be halted.13. In this passage the author apparently intends to ____.A. write a fictionalized account of evolution.B. be scientifically precise.C. raise philosophical issues.D. convince readers that war is inevitable.TEXT BThe costs associated with natural disasters are increasing rapidly. As a result, officials in government and industry have focused more attention on disasters and their effects. The White House Office of Science and Technology Policy has estimated that disasters cost the country about 1 billion per week. Hurricane Andrew, the Midwest flood of 1993, and the Hanshin earthquake have shown that individual disasters can cost tens if not hundreds of billions of dollars. This increasing cost has resulted in greater funding from government and industry for the development of technologies related to disaster prediction, and has led to more research into the effective use of predictive information.The insurance industry has long been aware of the dangers of natural disasters; the 1906 earthquake in San Francisco, California, bankrupted scores of insurance companies. But the industry has focused particular attention on disaster prediction in recent years, as spiraling costs revealed that many companies had underestimated their financial exposure. For instance, prior to Hurricane Andrew in 1992, many insurance experts thought that the worst hurricane possible would do no more than '8 billion in damages to the industry. The damages caused by Hurricane Andrew, estimated at about '17 billion, shattered these beliefs. Today, estimates of worst-case disaster scenarios approach '100 billion.The insurance industry has therefore increased its support for research into disaster prediction. One such effort involves a number of companies that have joined together to support the Bermuda-based Risk Prediction Initiative, which funds disaster research. The expectation is that the resulting information will place the industry on a more solid foundation to make decisions about the risk of future disasters. The industry has also lobbied for the government to bear some of the financial burden of disaster insurance. Such a program already exists for flood insurance, set up in the late 1960s by the federal government to insure flood-prone areas. These types of programs, effectively implemented, could be increasingly necessary in the future to make insurance available in areas prone to disasters.Because the stakes are so high, the science of disaster prediction has a bright future. The various projects and programs illustrate that disaster prediction is a topic of concern to scientists and policy makers alike. Hurricanes, tornadoes, floods, earthquakes, tsunamis, and volcanoes all show that the effective use of disaster predictions not only requires advanced technology but also requires that society consider the entire process of prediction -- forecasts, communication, and useof information. Because they cannot predict the future with certainty, and because much remains to be learned, scientists warn that society must understand the limits of scientific predictions and be prepared to employ alternatives. Wisely used, however, disaster prediction has the potential to reduce society's vulnerability to natural disasters.14. The result of the increasing costs in natural disasters is ____.A. great loss suffered by commercial companies.B. government's increased attention on disasters.C. individual awareness to natural disasters.D. more funds to support the prediction research.15. The difference between the actual loss caused by Hurricane Andrew and the loss estimated by insurance companies before the hurricane is ____.A. 1 billion dollars.B. 8 billion dollars.C. 9 billion dollars.D. 17 billion dollars.16. The purpose of insurance companies to support disaster prediction research is that ____.A. companies want to make more money from the insured places.B. companies may thus have a better idea of the future risks.C. companies can get more sympathies from the government.D. companies intend to make use of people's trust in the industry.17. The key factor to reduce society's vulnerability to natural disasters is ____.A. insurance companies should be wise enough in their estimates of losses.B. the government should bear some of the financial risks of disaster insurance.C. the general public should be made fully aware of the possible damages.D. technology should be improved and three phases of prediction be considered.TEXT CEven happy families have secrets that run with no statute of limitations. Twenty years after my mother died, I discovered she had kept a scrapbook. It was delivered to me inside an old chest ofdrawers left by my father, who survived her by 18 years. The drawers were stuffed with memories and junk: his legal papers, his beloved mandolin sheet music, his college yearbooks and, in among some old photographs, a battered, yellowing composition notebook -- a scrapbook kept by my mother for a short time in 1934. I was shocked.My mother was a thrower-outer -- the scourge of packed closets, the emptier of overfilled drawers. I was a bringer-backer. We once clashed over my cherished tennis shoes, which she mistakenly took to the garbage simply because I was stuffing cardboard in the soles to plug the holes. I had to rescue them twice.Ours was a fundamental clash in human nature, surely as old as the species itself. Some of our hominid ancestors were gatherers who also picked up bright pebbles; others were hunters of clutter who demanded: "Can't we get rid of some of this stuff?" From those who amassed, we have museums, libraries, attics that groan. From the winnowers, we have public sanitation, rarity (if everything were saved, nothing would be rare) and a way to the front door.18. The passage implies that ____.A. keeping secrets is rarely done.B. happy families seldom have secrets.C. unhappy families usually have secrets.D. family secrets are short lived.19. The author's mother ____.A. deceased in 1934.B. scoured closets.C. cherished shoesD. saved mementos.20. The author suggests that all of the following are true of human nature EXCEPT: that ____.A. it is inexplicable.B. it is consistent over time.C. it encompasses dichotomies.D. it is often surprising.Bergman T urns to Screenwriting in 'Sunday's Children'Just over 10 years ago, Ingmar Bergman announced that the widely acclaimed Fanny and Alexander would mark his last hurrah as a filmmaker. Although some critics had written him off as earnest but ponderous, others were saddened by the departure of an artist who had explored cinematic moods - from high tragedy to low comedy - during his four-decade career.What nobody foresaw was that Bergman would find a variety of ways to circumvent his own retirement - directing television movies, staging theater productions, and writing screenplays for other filmmakers to direct. His latest enterprise as a screenwriter, Sunday's Children, completes a trilogy of family-oriented movies that began with Fanny and Alexander and continued with The Best Intentions written by Bergman and directed by Danish filmmaker Bille August.Besides dealing with members of Bergman's family in bygone times - it begins a few years after The Best Intentions leaves off - the new picture was directed by Daniel Bergman, his youngest son. Although it lacks the urgency and originality of the elder Bergman's greatest achievements, such as The Silence and Persona, it has enough visual and emotional interest to make a worthy addition to his body of work.Set in rural Sweden during the late 1920s, the story centers on a young boy named Pu, clearly modeled on Ingmar Bergman himself. Pu's father is a country clergyman whose duties include traveling to the capital and ministering to the royal family. While this is an enviable position, it doesn't assuage problems in the pastor's marriage. Pu is young enough to be fairly oblivious to such difficulties, but his awareness grows with the passage of time. So do the subtle tensions that mar Pu's own relationship with his father, whose desire to show affection and compassion is hampered by a certain stiffness in his demeanor and chilliness in his emotions.The film's most resonant passages take place when Pu learns to see his father with new clarity while accompanying him on a cross-country trip to another parish. In a remarkable change of tone, this portion of the story is punctuated with flash-forwards to a time 40 years in the future, showing the relationship between parent and child to be dramatically reversed: The father is now cared for by the son, and desires a forgiveness for past shortcomings that the younger man resolutely refusesBrief and abrupt though they are, these scenes make a pungent contrast with the sunny landscapes and comic interludes in the early part of the movie.Sunday's Children is a film of many levels, and all are skillfully handled by Daniel Bergman in his directional debut. Gentle scenes of domestic contentment are sensitively interwoven with intimations of underlying malaise. While the more nostalgic sequences are photographed with an eye-dazzling beauty that occasionally threatens to become cloying, any such result is foreclosed by the jagged interruptions of the flash-forward sequences - an intrusive device that few filmmakers are agile enough to handle successfully, but that is put to impressive use by the Bergman team.Henrik Linnros gives a smartly turned performance as young Pu, and Thommy Berggren - who starred in the popular Elvira Madigan years ago - is steadily convincing as his father. Top honors go to the screenplay, though, which carries the crowded canvas of Fanny and Alexander and the emotional ambiguity of The Best Intentions into fresh and sometimes fascinating territory.21. Over the years critical views of Bergman's work have ____.A. without exception been positive.B. deplored his seriousness.C. often been antithetical.D. usually focused on his personality.22. The subject matter of Sunday's Children ____.A. is presented chronologically.B. takes place in the 19th century.C. occurs all in one locale.D. is derived from reminiscences.23. From the passage we can infer that Pu's father is portrayed as a ____.A. demonstrative and caring parent.B. reserved and reticent man.C. compassionate and sentimental spouse.D. spontaneous and dynamic minister.24. The reviewer thinks that the "flash forward" techniques is ____.A. seldom handled skillfully.B. responsible for the film's success.C. too disruptive for ordinary filmgoers.D. best left to amateur experimentation.25. In the reviewer's opinion, Sunday's Children ____.A. is a cinematic first.B. has an original and interesting script.C. is visually and emotionally depressing.D. surpasses Bergman's previous work.PART IV GENERAL KNOWLEDGE(10 MIN.)31. Where is Edinburgh?A. In WalesB. In ScotlandC. In Northern IrelandD. In Ireland32.Which of the following is Not a U.S. news and cable network?A. ABCB. CNNC. CBSD. BBC33. Which degree is offered in community colleges in the United States?A. Master’s degreeB. Docter’s degreec. Bachelor’s degreeD. Associate’s degree34. John Galsworthy was most famous for ____.A. Heart of DarknessB. UlyssesC. The Forsyte SagaD. A Passage to India35. The novel For Whom the Bell Tolls is written by _______.A.Scott FitzgeraldB.William FaulknerC.Eu gene O’NeilD.Ernest Hemingway36. All of the following four except _______ are the most eminent dramatists in the Renaissance England.A. Francis BaconB. Christopher MarloweC. William ShakespeareD. Ben Jonson37. Who is not the major figure of modernist movement?A. EliotB. JoyceC. Charles DickensD. Pound38. What is the most important concept to distinguish pragmatics from semantics?A. Context.B. Entailment.C. Presupposition.D. Discourse.39. The word holiday originally meant holy day; but now the word signifies any day on which we don’t have to work. This is an example of _____.A. meanng shiftB. widening of meaningC. narrowing of meaningD. loss of meaning40. Which of the following is NOT a distinctive feature of human language?A. Arbitrariness.B. Productivity.C. Cultural transmission.D. Finiteness. 局限性PART V TRANSLATION(60 MIN)SECTION A: CHINESE TO ENGLISH (30 MIN.)Translate the following text into English. Write your translation on ANSWER SHEET THREE.近代的上海,十里洋场,自开埠以来,固然有许多辛酸的不平等的血泪史,固然有许多污泥浊水,这里被称为是"冒险家的乐园",这里有鸦片,有荡妇,有赌棍,使人纸醉金迷,乃至使人堕落。

《哈利波特与密室》第8章《忌辰晚会》中英文对照学习版

《哈利波特与密室》第8章《忌辰晚会》中英文对照学习版

中英文对照学习版Harry Potter and the Chamber of Secrets《哈利波特与密室》Chapter EightThe Deathday Party第八章忌辰晚会October arrived, spreading a damp chill over the grounds and into the castle. Madam Pomfrey, the matron, was kept busy by a sudd en spate of colds among the staff and stud ents. Her Pepperup Potion worked instantly, though it left the drinker smoking at the ears for several hours afterwards. Ginny Weasl ey, who had been l ooking peaky, was bullied into taking some by Percy. The steam pouring from und er her vivid hair gave the impression that her whol e head was on fire.十月来临了,湿乎乎的寒气弥漫在场地上,渗透进城堡。

教工和学生中间突然流行起了感冒,弄得校医庞弗雷女士手忙脚乱。

她的提神剂有着立竿见影的效果,不过喝下这种药水的人,接连几个小时耳朵里会冒烟。

金妮﹒韦斯莱最近一直病恹恹的,被珀西强迫着喝了一些提神剂。

结果,她鲜艳的红头发下冒出一股股蒸气,整个脑袋像着了火似的。

Raindrops the size of bull ets thund ered on the castle wind ows for days on end; the lake rose, the fl owerbeds turned into muddy streams and Hagrid's pumpkins swell ed to the size of gard en sheds. Oliver Wood's enthusiasm for regular training sessions, however, was not dampened, which was why Harry was to be found, late one stormy Saturday afternoon a few days before Hallowe'en, returning to Gryffind or Tower, drenched to the skin and splattered with mud.子弹大的雨点噼噼啪啪地打在城堡的窗户上,好几天都没有停止。

Chap008金融机构管理课后题答案

Chap008金融机构管理课后题答案

Chapter EightInterest Rate Risk IChapter OutlineIntroductionThe Central Bank and Interest Rate RiskThe Repricing ModelRate-Sensitive AssetsRate-Sensitive LiabilitiesEqual Changes in Rates on RSAs and RSLsUnequal Changes in Rates on RSAs and RSLsWeaknesses of the Repricing ModelMarket Value EffectsOveraggregationThe Problem of RunoffsCash Flows from Off-Balance Sheet ActivitiesThe Maturity ModelThe Maturity Model with a Portfolio of Assets and Liabilities Weakness of the Maturity ModelSummaryAppendix 8A: Term Structure of Interest RatesUnbiased Expectations TheoryLiquidity Premium Theory Market Segmentation TheorySolutions for End-of-Chapter Questions and Problems: Chapter Eight1. What was the impact on interest rates of the borrowed reserves targetingregime used by the Federal Reserve from 1982 to 1993The volatility of interest rates was significantly lower than under the nonborrowed reserves target regime used in the three years immediately prior to 1982. Figure 8-1 indicates that both the level and volatility of interest rates declined even further after 1993 when the Fed decided that it would target primarily the fed funds rate as a guide for monetary policy.2. How has the increased level of financial market integration affectedinterest ratesIncreased financial market integration, or globalization, increases the speed with which interest rate changes and volatility are transmitted among countries. The result of this quickening of global economic adjustment is to increase the difficulty and uncertainty faced by the Federal Reserve as it attempts to manage economic activity within the U.S. Further, because FIs have become increasingly more global in their activities, any change in interest rate levels or volatility caused by Federal Reserve actions more quickly creates additional interest rate risk issues for these companies.3. What is the repricing gap In using this model to evaluate interest raterisk, what is meant by rate sensitivity On what financial performance variable does the repricing model focus Explain.The repricing gap is a measure of the difference between the dollar value of assets that will reprice and the dollar value of liabilities that will reprice within a specific time period, where reprice means the potential to receive a new interest rate. Rate sensitivity represents the time interval where repricing can occur. The model focuses on the potential changes in the net interest income variable. In effect, if interest rates change, interest income and interest expense will change as the various assets and liabilities are repriced, that is, receive new interest rates.4. What is a maturity bucket in the repricing model Why is the length oftime selected for repricing assets and liabilities important when using the repricing modelThe maturity bucket is the time window over which the dollar amounts of assets and liabilities are measured. The length of the repricing period determines which of the securities in a portfolio are rate-sensitive. The longer the repricing period, the more securities either mature or need to be repriced, and, therefore, the more the interest rate exposure. An excessively short repricing period omits consideration of the interest rate risk exposure of assets and liabilities are that repriced in the period immediately following the end of the repricing period. That is, it understates the rate sensitivity of the balance sheet. An excessively long repricing period includes many securities that are repriced at different times within the repricing period, thereby overstating the rate sensitivity of the balance sheet.5. Calculate the repricing gap and the impact on net interest income of a 1percent increase in interest rates for each of the following positions:Rate-sensitive assets = $200 million. Rate-sensitive liabilities =$100 million.Repricing gap = RSA - RSL = $200 - $100 million = +$100 million.NII = ($100 million)(.01) = +$ million, or $1,000,000.Rate-sensitive assets = $100 million. Rate-sensitive liabilities =$150 million.Repricing gap = RSA - RSL = $100 - $150 million = -$50 million.NII = (-$50 million)(.01) = -$ million, or -$500,000.Rate-sensitive assets = $150 million. Rate-sensitive liabilities =$140 million.Repricing gap = RSA - RSL = $150 - $140 million = +$10 million.NII = ($10 million)(.01) = +$ million, or $100,000.a. Calculate the impact on net interest income on each of the abovesituations assuming a 1 percent decrease in interest rates.NII = ($100 million) = -$ million, or -$1,000,000.NII = (-$50 million) = +$ million, or $500,000.NII = ($10 million) = -$ million, or -$100,000.b. What conclusion can you draw about the repricing model from theseresultsThe FIs in parts (1) and (3) are exposed to interest rate declines(positive repricing gap) while the FI in part (2) is exposed to interest rate increases. The FI in part (3) has the lowest interest rate riskexposure since the absolute value of the repricing gap is the lowest,while the opposite is true for part (1).6. What are the reasons for not including demand deposits as rate-sensitiveliabilities in the repricing analysis for a commercial bank What is the subtle, but potentially strong, reason for including demand deposits inthe total of rate-sensitive liabilities Can the same argument be madefor passbook savings accountsThe regulatory rate available on demand deposit accounts is zero. Although many banks are able to offer NOW accounts on which interest can be paid, this interest rate seldom is changed and thus the accounts are not really sensitive. However, demand deposit accounts do pay implicit interest in the form of not charging fully for checking and other services. Further, when market interest rates rise, customers draw down their DDAs, which may cause the bank to use higher cost sources of funds. The same or similar arguments can be made for passbook savings accounts.7. What is the gap ratio What is the value of this ratio to interest raterisk managers and regulatorsThe gap ratio is the ratio of the cumulative gap position to the total assets of the bank. The cumulative gap position is the sum of the individual gaps over several time buckets. The value of this ratio is that it tells the direction of the interest rate exposure and the scale of that exposure relative to the size of the bank.8. Which of the following assets or liabilities fit the one-year rate or repricing sensitivity test91-day . Treasury bills Yes1-year . Treasury notes Yes20-year . Treasury bonds No20-year floating-rate corporate bonds with annual repricing Yes30-year floating-rate mortgages with repricing every two years No30-year floating-rate mortgages with repricing every six months YesOvernight fed funds Yes9-month fixed rate CDs Yes1-year fixed-rate CDs Yes5-year floating-rate CDs with annual repricing YesCommon stock No9. Consider the following balance sheet for WatchoverU Savings, Inc. (in millions):Assets Liabilities and EquityFloating-rate mortgages Demand deposits(currently 10% annually) $50 (currently 6% annually) $7030-year fixed-rate loans Time deposits(currently 7% annually) $50 (currently 6% annually $20Equity $10 Total Assets $100 Total Liabilities & Equity$100a. What is WatchoverU’s expected net interest income at year-endCurrent expected interest income:$5m + $3.5m = $8.5m.Expected interest expense: $4.2m + $1.2m = $5.4m.Expected net interest income: $8.5m - $5.4m = $3.1m.b. What will be the net interest income at year-end if interest ratesrise by 2 percentAfter the 200 basis point interest rate increase, net interest incomedeclines to:50 + 50 - 70 - 20(.06) = $9.5m - $6.8m = $2.7m, a decline of $0.4m.c. Using the cumulative repricing gap model, what is the expected netinterest income for a 2 percent increase in interest rates Wachovia’s' repricing or funding gap is $50m - $70m = -$20m. The change in net interest income using the funding gap model is (-$20m) = -$.4m.d.What will be the net interest income at year-end if interest ratesincrease 200 basis points on assets, but only 100 basis points onliabilities Is it reasonable for changes in interest rates to affectbalance sheet in an uneven manner WhyAfter the unbalanced rate increase, net interest income will be 50 +50 - 70 - 20(.06) = $9.5m - $6.1m = $3.4m, an increase of $0.3m. It isnot uncommon for interest rates to adjust in an uneven manner over two sides of the balance sheet because interest rates often do not adjust solely because of market pressures. In many cases the changes areaffected by decisions of management. Thus you can see the difference between this answer and the answer for part a.10. What are some of the weakness of the repricing model How have largebanks solved the problem of choosing the optimal time period forrepricing What is runoff cash flow, and how does this amount affect the repricing model’s analysisThe repricing model has four general weaknesses:(1) It ignores market value effects.(2) It does not take into account the fact that the dollar value of ratesensitive assets and liabilities within a bucket are not similar. Thus, if assets, on average, are repriced earlier in the bucket thanliabilities, and if interest rates fall, FIs are subject to reinvestment risks.(3) It ignores the problem of runoffs, that is, that some assets are prepaidand some liabilities are withdrawn before the maturity date.(4) It ignores income generated from off-balance-sheet activities.Large banks are able to reprice securities every day using their own internal models so reinvestment and repricing risks can be estimated for each day ofthe year.Runoff cash flow reflects the assets that are repaid before maturity and the liabilities that are withdrawn unsuspectedly. To the extent that either of these amounts is significantly greater than expected, the estimated interest rate sensitivity of the bank will be in error.11. Use the following information about a hypothetical government securitydealer named . Jorgan. Market yields are in parenthesis, and amounts are in millions.Assets Liabilities and EquityCash $10 Overnight Repos $1701 month T-bills %) 75 Subordinated debt3 month T-bills %) 75 7-year fixed rate % 1502 year T-notes %) 508 year T-notes %) 1005 year munis (floating rate)% reset every 6 months) 25 Equity 15 Total Assets $335 Total Liabilities & Equity$335a. What is the funding or repricing gap if the planning period is 30 days91 days 2 years Recall that cash is a noninterest-earning asset.Funding or repricing gap using a 30-day planning period = 75 - 170 = -$95 million.Funding gap using a 91-day planning period = (75 + 75) - 170 = -$20 million.Funding gap using a two-year planning period = (75 + 75 + 50 + 25) - 170 = +$55 million.b. What is the impact over the next 30 days on net interest income if allinterest rates rise 50 basis points Decrease 75 basis pointsNet interest income will decline by $475,000. NII = FG(R) = -95(.005) = $0.475m.Net interest income will increase by $712,500. NII = FG(R)= -95(.0075) = $0.7125m.c.The following one-year runoffs are expected: $10 million for two-yearT-notes, and $20 million for eight-year T-notes. What is the one-year repricing gapFunding or repricing gap over the 1-year planning period = (75 + 75 + 10 + 20 + 25) - 170 = +$35 million.d. If runoffs are considered, what is the effect on net interest incomeat year-end if interest rates rise 50 basis points Decrease 75 basispointsNet interest income will increase by $175,000. NII = FG(R) = 35 = $0.175m.Net interest income will decrease by $262,500, NII = FG(R) = 35 = -$0.2625m.12. What is the difference between book value accounting and market valueaccounting How do interest rate changes affect the value of bank assets and liabilities under the two methods What is marking to marketBook value accounting reports assets and liabilities at the original issue values. Current market values may be different from book values because they reflect current market conditions, such as interest rates or prices. This is especially a problem if an asset or liability has to be liquidated immediately. If the asset or liability is held until maturity, then the reporting of book values does not pose a problem.For an FI, a major factor affecting asset and liability values is interestrate changes. If interest rates increase, the value of both loans (assets) and deposits and debt (liabilities) fall. If assets and liabilities are held until maturity, it does not affect the book valuation of the FI. However, ifdeposits or loans have to be refinanced, then market value accounting presents a better picture of the condition of the FI.The process by which changes in the economic value of assets and liabilities are accounted is called marking to market. The changes can be beneficial as well as detrimental to the total economic health of the FI.13. Why is it important to use market values as opposed to book values whenevaluating the net worth of an FI What are some of the advantages ofusing book values as opposed to market valuesBook values represent historical costs of securities purchased, loans made, and liabilities sold. They do not reflect current values as determined by market values. Effective financial decision-making requires up-to-date information that incorporates current expectations about future events. Market values provide the best estimate of the present condition of an FI and serve as an effective signal to managers for future strategies.Book values are clearly measured and not subject to valuation errors, unlike market values. Moreover, if the FI intends to hold the security until maturity, then the security's current liquidation value will not be relevant. That is, the paper gains and losses resulting from market value changes will never be realized if the FI holds the security until maturity. Thus, the changes in market value will not impact the FI's profitability unless the security is sold prior to maturity.14. Consider a $1,000 bond with a fixed-rate 10 percent annual coupon (Cpn %)and a maturity (N) of 10 years. The bond currently is trading to amarket yield to maturity (YTM) of 10 percent. Complete the followingtable.From Par, $ From Par, %N Cpn % YTM Price Change in Price Change in Price8 10% 9% $1, $ %9 10% 9% $1, $ %10 10% 9% $1, $ %10 10% 10% $1,10 10% 11% $ -$ %11 10% 11% $ -$ %12 10% 11% $ -$ %Use this information to verify the principles of interest rate-pricerelationships for fixed-rate financial assets.Rule One: Interest rates and prices of fixed-rate financial assets move inversely. See the change in price from $1,000 to $ for the change in interest rates from 10 percent to 11 percent, or from $1,000 to $1, when rates change from 10 percent to 9 percent.Rule Two: The longer is the maturity of a fixed-income financial asset, the greater is the change in price for a given change in interest rates.A change in rates from 10 percent to 11 percent has caused the 10-yearbond to decrease in value $, but the 11-year bond will decrease in value $, and the 12-year bond will decrease $.Rule Three: The change in value of longer-term fixed-rate financialassets increases at a decreasing rate. For the increase in rates from 10 percent to 11 percent, the difference in the change in price between the 10-year and 11-year assets is $, while the difference in the change in price between the 11-year and 12-year assets is $.Rule Four: Although not mentioned in the text, for a given percentage () change in interest rates, the increase in price for a decrease in ratesis greater than the decrease in value for an increase in rates. Thus for rates decreasing from 10 percent to 9 percent, the 10-year bond increases $. But for rates increasing from 10 percent to 11 percent, the 10-year bond decreases $.15. Consider a 12-year, 12 percent annual coupon bond with a required returnof 10 percent. The bond has a face value of $1,000.a. What is the price of the bondPV = $120*PVIFAi=10%,n=12 + $1,000*PVIFi=10%,n=12= $1,b. If interest rates rise to 11 percent, what is the price of the bondPV = $120*PVIFAi=11%,n=12 + $1,000*PVIFi=11%,n=12= $1,c. What has been the percentage change in priceP = ($1, - $1,/$1, = or – percent.d. Repeat parts (a), (b), and (c) for a 16-year bond.PV = $120*PVIFAi=10%,n=16 + $1,000*PVIFi=10%,n=16= $1,PV = $120*PVIFAi=11%,n=16 + $1,000*PVIFi=11%,n=16= $1,P = ($1, - $1,/$1, = or – percent.e. What do the respective changes in bond prices indicateFor the same change in interest rates, longer-term fixed-rate assets have a greater change in price.16. Consider a five-year, 15 percent annual coupon bond with a face value of$1,000. The bond is trading at a market yield to maturity of 12 percent.a. What is the price of the bondPV = $150*PVIFAi=12%,n=5 + $1,000*PVIFi=12%,n=5= $1,b. If the market yield to maturity increases 1 percent, what will be thebond’s new pricePV = $150*PVIFAi=13%,n=5 + $1,000*PVIFi=13%,n=5= $1,c. Using your answers to parts (a) and (b), what is the percentage changein the bond’s price as a result of the 1 percent increase in interest ratesP = ($1, - $1,/$1, = or – percent.d. Repeat parts (b) and (c) assuming a 1 percent decrease in interestrates.PV = $150*PVIFAi=11%,n=5 + $1,000*PVIFi=11%,n=5= $1,P = ($1, - $1,/$1, = or percente. What do the differences in your answers indicate about the rate-pricerelationships of fixed-rate assetsFor a given percentage change in interest rates, the absolute value of the increase in price caused by a decrease in rates is greater than the absolute value of the decrease in price caused by an increase in rates.17. What is maturity gap How can the maturity model be used to immunize anFI’s portfolio What is the critical requirement to allow maturitymatching to have some success in immunizing the balance sheet of an FIMaturity gap is the difference between the average maturity of assets and liabilities. If the maturity gap is zero, it is possible to immunize the portfolio, so that changes in interest rates will result in equal but offsetting changes in the value of assets and liabilities and net interest income. Thus, if interest rates increase (decrease), the fall (rise) in the value of the assets will be offset by a perfect fall (rise) in the value of the liabilities. The critical assumption is that the timing of the cash flows on the assets and liabilities must be the same.18. Nearby Bank has the following balance sheet (in millions):Assets Liabilities and EquityCash $60 Demand deposits $1405-year treasury notes $60 1-year Certificates of Deposit $160 30-year mortgages $200 Equity $20Total Assets $320 Total Liabilities and Equity$320What is the maturity gap for Nearby Bank Is Nearby Bank more exposed to an increase or decrease in interest rates Explain whyM A = [0*60 + 5*60 + 200*30]/320 = years, and ML= [0*140 + 1*160]/300 = .Therefore the maturity gap = MGAP = – = years. Nearby bank is exposed toan increase in interest rates. If rates rise, the value of assets will decrease much more than the value of liabilities.19. County Bank has the following market value balance sheet (in millions,annual rates):Assets Liabilities and EquityCash $20 Demand deposits $10015-year commercial loan @ 10% 5-year CDs @ 6% interest,interest, balloon payment $160 balloon payment $21030-year Mortgages @ 8% interest, 20-year debentures @ 7% interest$120monthly amortizing $300 Equity $50Total Assets $480 Total Liabilities & Equity $480a. What is the maturity gap for County BankMA= [0*20 + 15*160 + 30*300]/480 = years.ML= [0*100 + 5*210 + 20*120]/430 = years.MGAP = – = years.b. What will be the maturity gap if the interest rates on all assets andliabilities increase by 1 percentIf interest rates increase one percent, the value and average maturity of the assets will be:Cash = $20Commercial loans = $16*PVIFAn=15, i=11% + $160*PVIFn=15,i=11%= $Mortgages = $,294*PVIFAn=360,i=9%= $MA= [0*20 + *15 + *30]/(20 + + = yearsThe value and average maturity of the liabilities will be: Demand deposits = $100CDs = $*PVIFAn=5,i=7% + $210*PVIFn=5,i=7%= $Debentures = $*PVIFAn=20,i=8% + $120*PVIFn=20,i=8%= $ML= [0*100 + 5* + 20*]/(100 + + = yearsThe maturity gap = MGAP = – = years. The maturity gap increased because the average maturity of the liabilities decreased more than the average maturity of the assets. This result occurred primarily because of the differences in the cash flow streams for the mortgages and the debentures.c. What will happen to the market value of the equityThe market value of the assets has decreased from $480 to $, or $. The market value of the liabilities has decreased from $430 to $, or $. Therefore the market value of the equity will decrease by $ - $ = $, or percent.d. If interest rates increased by 2 percent, would the bank be solvent The value of the assets would decrease to $, and the value of the liabilities would decrease to $. Therefore the value of the equity would be $. Although the bank remains solvent, nearly 65 percent of the equity has eroded because of the increase in interest rates.20. Given that bank balance sheets typically are accounted in book valueterms, why should the regulators or anyone else be concerned about howinterest rates affect the market values of assets and liabilitiesThe solvency of the balance sheet is an important variable to creditors of the bank. If the capital position of the bank decreases to near zero, creditors may not be willing to provide funding for the bank, and the bank may need assistance from the regulators, or may even fail. Thus any change in the market value of assets or liabilities that is caused by changes in the level of interest rate changes is of concern to regulators.21. If a bank manager is certain that interest rates were going to increasewithin the next six months, how should the bank manager adjust thebank’s maturity gap to take advantage of this antici pated increase What if the manager believed rates would fall Would your suggestedadjustments be difficult or easy to achieveWhen rates rise, the value of the longer-lived assets will fall by more the shorter-lived liabilities. If the maturity gap (or duration gap) is positive, the bank manager will want to shorten the maturity gap. If the repricing gap is negative, the manager will want to move it towards zero or positive. If rates are expected to decrease, the manager should reverse these strategies. Changing the maturity, duration, or funding gaps on the balance sheet often involves changing the mix of assets and liabilities. Attempts to make these changes may involve changes in financial strategy for the bank which may notbe easy to accomplish. Later in the text, methods of achieving the same results using derivatives will be explored.22. Consumer Bank has $20 million in cash and a $180 million loan portfolio.The assets are funded with demand deposits of $18 million, a $162 million CD and $20 million in equity. The loan portfolio has a maturity of 2years, earns interest at the annual rate of 7 percent, and is amortized monthly. The bank pays 7 percent annual interest on the CD, but theinterest will not be paid until the CD matures at the end of 2 years.a. What is the maturity gap for Consumer Bank= [0*$20 + 2*$180]/$200 = yearsMA= [0*$18 + 2*$162]/$180 = yearsMLMGAP = – = 0 years.b. Is Consumer Bank immunized or protected against changes in interestrates Why or why notIt is tempting to conclude that the bank is immunized because thematurity gap is zero. However, the cash flow stream for the loan and the cash flow stream for the CD are different because the loan amortizesmonthly and the CD pays annual interest on the CD. Thus any change in interest rates will affect the earning power of the loan more than the interest cost of the CD.c. Does Consumer Bank face interest rate risk That is, if marketinterest rates increase or decrease 1 percent, what happens to thevalue of the equityThe bank does face interest rate risk. If market rates increase 1percent, the value of the cash and demand deposits does not change.However, the value of the loan will decrease to $, and the value of the CD will fall to $. Thus the value of the equity will be ($ + $20 - $18 - $ = $. In this case the increase in interest rates causes the marketvalue of equity to increase because of the reinvestment opportunities on the loan payments.If market rates decrease 1 percent, the value of the loan increases to $, and the value of the CD increases to $. Thus the value of the equitydecreases to $.d. How can a decrease in interest rates create interest rate riskThe amortized loan payments would be reinvested at lower rates. Thuseven though interest rates have decreased, the different cash flowpatterns of the loan and the CD have caused interest rate risk.23. FI International holds seven-year Acme International bonds and two-yearBeta Corporation bonds. The Acme bonds are yielding 12 percent and the Beta bonds are yielding 14 percent under current market conditions.a. What is the weighted-average maturity of FI’s bond portfolio if 40percent is in Acme bonds and 60 percent is in Beta bondsAverage maturity = x 7 years + x 2 years = 4 yearsb. What proportion of Acme and Beta bonds should be held to have aweighted-average yield of percentLet X* + (1 - X)* = . Solving for X, we get 25 percent. In order to get an average yield of percent, we need to hold 25 percent of Acme and 75 percent of Beta.c. What will be the weighted-average maturity of the bond portfolio ifthe weighted-average yield is realizedThe average maturity of the portfolio will decrease to x 7 + x 2 = years.24. An insurance company has invested in the following fixed-incomesecurities: (a) $10,000,000 of 5-year Treasury notes paying 5 percentinterest and selling at par value, (b) $5,800,000 of 10-year bonds paying7 percent interest with a par value of $6,000,000, and (c) $6,200,000 of20-year subordinated debentures paying 9 percent interest with a parvalue of $6,000,000.a. What is the weighted-average maturity of this portfolio of assets= [5*$10 + 10*$ + 20*$]/$22 = 232/22 = yearsMAb. If interest rates change so that the yields on all of the securitiesdecrease 1 percent, how does the weighted-average maturity of theportfolio changeTo determine the weighted-average maturity of the portfolio for a rate decrease of 1 percent, the new value of each security must be determined. This calculation will require knowing the YTM of each security before the rate change.T-notes are selling at par, so the YTM = 5 percent. Therefore, the new value will bePV = $500,000*PVIFAn=5,i=4% + $10,000,000*PVIFn=5,i=4%= $10,445,182.10-year bonds: Par = $6,000,000, PV = $5,800,000, Cpn = 7 percent YTM= %. The new PV = $420,000*PVIFAn=10,i=% + $6,000,000*PVIFn=10,i=%= $6,222,290.Debentures: Par = $6,000,000, PV = $6,200,000, Cpn = 9 percentpercent. The new PV = $540,000*PVIFAn=20,i=% + $6,000,000*PVIFn=20,i==$6,820,418.The total value of the assets after the change in rates will be$23,487,890, and the weighted-average maturity will be [5*10,445,182 +10*6,222,290 + 20*6,820,418]/23,487,890 = 250,857,170/23,487,890 = years.c. Explain the changes in the maturity values if the yields increase by 1 percent.。

上大学后生活上的变化的英语作文

上大学后生活上的变化的英语作文

上大学后生活上的变化的英语作文全文共3篇示例,供读者参考篇1Life changes dramatically after entering college. As a freshman in university, the transition from high school can seem daunting at first, but ultimately leads to exciting new experiences and challenges. In this essay, I will explore some of the key changes that one may encounter in their college life.First and foremost, independence becomes a prominent feature of college life. No longer are students constantly under the watchful eye of parents and teachers. Instead, they have the freedom to make their own choices and navigate their own paths. This newfound independence can be both liberating and overwhelming, as students must learn to manage their time wisely, take care of themselves, and make decisions that will shape their future.In addition to increased independence, college also provides a diverse and vibrant community of peers. Students have the opportunity to meet people from all walks of life, with different backgrounds, interests, and perspectives. This exposure todiversity fosters personal growth, empathy, and understanding of others. Friendships formed in college can last a lifetime, and the sense of camaraderie among classmates creates a supportive environment for academic and personal development.Moreover, college offers a wealth of academic opportunities that go beyond the confines of high school. Students have the freedom to choose their own majors, pursue their passions, and engage in research and extracurricular activities that align with their interests. The academic rigour of college challenges students to think critically, solve complex problems, and develop valuable skills that will serve them well in their future careers.Furthermore, living on or near campus adds another dimension to college life. Dormitory living provides students with a sense of community, independence, and responsibility. Living away from home teaches students important life skills such as cooking, cleaning, budgeting, and time management. It also fosters a sense of belonging and camaraderie among classmates, as students navigate the challenges of shared living spaces.Finally, college life is not without its share of challenges and stressors. Balancing academic responsibilities, social activities, extracurricular commitments, and personal well-being can beoverwhelming at times. However, college also offers resources and support systems to help students navigate these challenges, such as academic advisors, counselling services, peer mentoring programs, and wellness initiatives.In conclusion, life changes profoundly after entering college. Independence, diversity, academic opportunities, communal living, and challenges all shape the college experience. While the transition from high school to college can be daunting, the opportunities for personal growth, academic development, and lifelong friendships make it a transformative and rewarding journey.篇2Life After CollegeAfter graduating from college and entering the workforce, many people find that their lives undergo significant changes. These changes can be both exciting and challenging, as individuals navigate a new phase in their personal and professional development. In this article, we will explore some of the key differences in lifestyle that occur after college.One of the most noticeable differences for many people is the shift in their daily routines. In college, students often have aflexible schedule with breaks between classes and plenty of free time in the evenings and on weekends. After starting a full-time job, however, individuals must adhere to a more structured schedule, typically working eight hours a day, five days a week. This can be an adjustment for some who are used to the freedom and autonomy of college life.With this change in routine comes a shift in priorities. While in college, students are primarily focused on their academic studies and extracurricular activities. After graduating, individuals must balance the demands of their career, personal relationships, and leisure activities. Time management becomes critical as people strive to find a work-life balance that allows them to excel in their professional lives while also nurturing their personal well-being.Financial independence is another significant change that many people experience after college. While in school, students may rely on their parents or student loans to cover expenses. However, once they enter the workforce, individuals are responsible for paying their own bills, managing a budget, and saving for the future. This newfound financial independence can be empowering, but it can also be stressful as individuals navigate the complexities of adulting.Another aspect of life after college that often changes is social relationships. In college, students are surrounded by their peers, living in close proximity to friends and participating in social activities on a regular basis. After graduation, individuals may move to new cities for job opportunities, causing them to lose touch with college friends and having to make new connections in their new environment. Maintaining friendships takes more effort post-college, as people juggle work, family responsibilities, and other commitments.Career development is a crucial focus for many individuals after college. While in school, students are preparing for their future careers through internships, coursework, and networking opportunities. After graduation, individuals enter the workforce and begin their professional journey, learning new skills, building their reputation, and striving to advance in their chosen field. The transition from college to a career can be daunting, but it also presents exciting opportunities for growth and development.In conclusion, life after college is a time of profound change and transition for many individuals. From adjusting to a new daily routine and financial responsibilities to navigating changes in social relationships and focusing on career development, the post-college period is filled with challenges and opportunitiesfor personal and professional growth. By embracing these changes and adapting to the demands of adult life, individuals can thrive in this new chapter of their lives.篇3After entering college, my life has undergone significant changes in various aspects. From daily routines to personal growth, the college experience has shaped me into a more independent and responsible individual.Firstly, one of the biggest changes I noticed after entering college was the shift in my daily routine. Unlike high school, where classes were often scheduled from morning to afternoon, college classes are usually spread out throughout the day. This means that I have more freedom to manage my own time and schedule my classes according to my preference. However, this also means that I have to be more disciplined and self-motivated to keep up with the workload and assignments.Moreover, living on campus has also brought about a new level of independence for me. In high school, I used to rely on my parents for meals, laundry, and other household chores. However, in college, I have to take care of these tasks on my own.From cooking meals to doing laundry, I have learned to be more self-sufficient and responsible for my own well-being.Additionally, college has also provided me with opportunities for personal growth and self-discovery. Through various extracurricular activities, internships, and study abroad programs, I have been able to explore my interests, develop new skills, and meet people from diverse backgrounds. These experiences have broadened my perspective, enhanced my communication skills, and boosted my confidence.In conclusion, entering college has brought about a multitude of changes in my life. From daily routines to personal growth, I have become more independent, responsible, and self-aware. While the transition from high school to college may be challenging, it has ultimately been a rewarding and transformative experience that has helped me grow and evolve as a person.。

语言学名词解释

语言学名词解释

(chapter one)Linguistics is generally defined as the scientific study of language.The study of language as a whole is often called general linguistics.The study of sounds used in linguistic communication phonetics.If a linguistic study aims to describe and analyze the language people actually use, it is said to be descriptive.If the linguistic study aims to lay down rules for “correct and standard” behaviour in using language, i.e. to tell people what they should say and what they should not say, it is said to be prescriptive.The description of a language at some point of time in history is a synchronic study.The description of a language as it changes through time is a diachronic study.Langue refers to the abstract linguistic system shared by all the members of a speech community. Parole refers to the realization of langue in actual use.competence i s the ideal user’s knowledge of the rules of his language.Performance is the actual realization of this knowledge in linguistic communication. Language is a system of arbitrary vocal symbols used for human communication.(chapter two)Phonology studies how sounds are put together and used to convey meaning in communication.(chapter three)Morphology studies the internal structure of words and the rules by which they are foremed..(chapter four)Syntax studies the rules that govern the formation of sentences.There are two levels of syntactic structure. The first, formed by the XP rule in accordance with the head’s subcategorization properties, is c alled deep structure( or D-structure). The second, corresponding to the final syntactic form of the sentence which results from appropriate transformations, is called surface structure( or S-structure)(chapter five)Semantics is the study of meaning.Sense is concerned with the inherent meaning of a linguistic form, the collection of all its features; it is abstract and de-contextualized.Reference is what a linguistic form refers to in the real physical world; it deals with the relationship between linguistic elements and non-linguistic world of experience.Synonymy refers to the sameness or close similarity of meaning.Words that are close in meaning are called synonyms.Homonymy refers to the phenomenon that words having different meanings have the same form. When two words are identical in sound, they are homophones.When two words are identical in spelling, they are homographs.When two words are identical in both sound and spelling, they are complete homonyms. Hyponymy refers to the sense relation between a more general, more inclusive and a more specific word.Some antonyms are gradable because there are often intermediate forms between the two members of a pair.A pair of complementary antonyms is characterized by the feature that the denial of one member of the pair implies the assertion of the other.Pairs of words that exhibit the reversal of a relationship between two items are called relational opposites.(chapter six)Pragmatics is the study of how speakers of a language use sentences to effect successful communication.A l ocutionary act is the act of uttering words, phrases, and clauses. It is the act of conveying literal meaning by means of syntax, lexicon and phonology.An illocutionary act is the act of expressing the speaker’s intention; it is the act performed in saying something.A perlocutionary act is the act performed by or resulting from saying something; it is the consequence of, or the change brought about by the utterance; it is the act performed by saying something.(chapter seven)Historical linguistics, as a branch of linguistics, is mainly concerned with both the description and explanation of language changes that occurred over time.(chapter eight)Sociolinguistics is the sub-field of linguistics that studies the relation between language and society, between the uses of language and the social structure in which the users of language live. The totality of linguistic varieties possessed by an individual constitutes his linguistic repertoire. The type of language which is selected as appropriate to the type of situation is a register.It has been observed that in some speech communities, two languages are used side by side with each having a different role to play; and language switching occurs when the situation changes. This constitutes the situation of bilingualism.The term diglossia, refers to a sociolinguistic situation similar to bilingualism. But instead of two different languages, in a diglossic situation two varieties of a language exist side by side throughout the community, with each having a definite role to play.(chapter nine)Culture means integrated pattern of human knowledge, belief, behavior that both a result of and integral to human capacity for learning and transmitting knowledge to succeeding generation. Sapir and Whorf believe that language filters people’s perception and the way they categorize their experiences. This interdependence of language and thought is now known as Sapir-Whorf Hypothesis(SWH).There exist a greater or lesser degree of cultural overlap between two societies owing to some similarities in the natural environment and psychology of human beings.Through communication, some elements of culture A enter culture B and become part of culture B, thus bringing about cultural diffusion.(chapter ten)Language acquisition refers to a child’s acquisition of his mother tongue, i.e. how the child comes to understand and speak the language of his community.Language acquisition deviceEric Lenneberg, a biologist, argued that the LAD, like other biological functions, works successfully only when it is stimulated at the right time----a specific and limited time period for language acquisition---which is referred to as the Critical Period Hypothesis(CPH).(chapter eleven)Errors, defined as unintentional deviants from the target language and not self-corrigible by the learner, suggest failure in competence.Mistakes, defined as either intentional or unintentional deviant forms and self-corrigible, suggest failure in performance.Interlanguage is neither the native language nor the second language, but a continuum or approximation from one extreme of his native language to the other of the second language. Comprehensible input: Krashen defined comprehensible input as “i+1’, i represents learner’s cur rent state of knowledge, the next stage is the “i+1”. By providing comprehensible input which is slightly above the learners’ current level, the learners’ LAD will be activated and contribute to acquisition.(chapter twelve)Neurolinguistics: language disorders and the relationship between the brain and language. It includes research into how the brain is structured and what function each part of the brain performs, how and in which parts of the brain language is stored, and how damage to the brain affects the ability to use language.Psycholinguistics is the study of psychological states and mental activity associated with the use of language. It concerns the representation of language in the mind, the planning, production, perception and comprehension of speech, and language acquisition.。

模拟恋爱小技巧

模拟恋爱小技巧

模拟恋爱小技巧章节一:开启恋爱模式恋爱是每个人生命中的一段美好旅程,而开启这段旅程的第一步就是学会进入恋爱模式。

在这个阶段,我们应该放下工作和生活的压力,专注于自己的内心世界。

首先,我们应该保持积极的心态,相信爱情的力量,并且相信自己可以找到真爱。

接下来,我们应该尽量展现自己的优点和魅力,比如保持良好的形象,保持积极的沟通和交流,以及培养良好的爱情观。

最后,我们要学会寻找机会和机遇,比如参加社交活动和相亲活动,以及利用社交媒体来扩大自己的交际圈子。

章节二:建立深层连接恋爱并不只是表面上的甜言蜜语和浪漫的约会,更重要的是建立深层的心灵和情感连接。

要建立这种连接,首先我们应该学会倾听和理解对方的需求和感受。

在交流中,我们要尽量避免争吵和批评,而是以温暖和理解的态度去回应对方。

同时,我们要学会分享自己的内心世界,让对方更好地了解自己。

此外,我们还可以通过共同的兴趣爱好和活动来增进彼此之间的感情,比如一起旅行、看电影或者参加体育活动。

章节三:处理恋爱中的困难和冲突在恋爱中,难免会遇到一些困难和冲突。

然而,处理这些问题的方式和态度至关重要。

首先,我们要学会以平和的心态面对困难,并且相信困难是可以解决的。

其次,我们要及时沟通,坦诚地表达自己的观点和感受,但也要尊重对方的意见和感受。

如果出现冲突,我们要学会互相包容和原谅,不要让争吵成为破坏感情的导火索。

最后,我们要学会寻求专业的帮助,比如咨询师或者心理学家,他们可以帮助我们更好地理解和处理感情问题。

章节四:保持恋爱的新鲜感恋爱需要不断地用心经营,以保持新鲜感和激情。

首先,我们可以尝试一些新鲜有趣的活动来增加激情,比如一起参加体验类活动或者去新的地方旅行。

其次,我们要保持独立的个体和空间,这样可以让彼此有时间和精力追求自己的兴趣爱好,同时也让恋爱关系更加健康。

最后,我们要时刻关注对方的需求和感受,给予关心和支持,以构建一个温暖和谐的爱情关系。

总结:恋爱是一段美好的旅程,但同时也需要我们的用心去经营和维护。

代表友谊的英文句子

代表友谊的英文句子

代表友谊的英文句子导读:1、如果友谊一旦破坏了,连爱情也不能够再使它恢复。

If friendship is destroyed, love will never be able to restore it.2、带着一颗真诚的心,你就能找到亲近万物的钥匙,找到到搭建友谊之桥的砖。

With a sincere heart, you can find the key to everything and the brick to build the bridge of friendship.3、客舍休悲柳色新,东西南北一般春,若知四海皆兄弟,何处相逢非古人。

The guest house is sad, the willow is new, and the East, West, North and South are generally spring.4、有了朋友,生命才显出它全部的价值。

With friends, life shows its full value.5、友情是装在瓶里的佳酿,无色无味,多年后开启溢出的是那浓浓的情。

Friendship is a good wine in a bottle. It is colorless and tasteless. After years of overflowing it is the thick feeling.6、朋友是唯一,一面骂你,一面为你擦眼泪的角色。

Friends are the only ones who curse you and wipe your tears for you.7、友情是一缕很淡的花香。

越淡,是人越依恋,也越能持久,越沁人心脾。

Friendship is a faint fragrance of flowers. The lighter, the more attached, the longer, the more refreshing.8、友谊永远是美德的辅佐,不是罪恶的助手。

《哈利波特与阿兹卡班囚徒》第8章《胖夫人逃跑》中英文对照学习版

《哈利波特与阿兹卡班囚徒》第8章《胖夫人逃跑》中英文对照学习版

中英文对照学习版Harry Potter and the Prisoner of Azkaban《哈利波特与阿兹卡班囚徒》Chapter EightFlight of the Fat Lady第8章胖夫人逃跑In no time at all, Defence Against the Dark Arts had become most people’s favourite class. Only Draco Malfoy and his gang of Slytherins had anything bad to say about Professor Lupin.很快,黑魔法防御术就成了大多数人最喜欢的一门课程,只有德拉科﹒马尔福和他那帮斯莱特林的同党还在说卢平教授的坏话。

‘Look at the state of his robes,’Malfoy woul d say in a l oud whisper as Professor Lupin passed. ‘He dresses like our ol d house-elf.’“看看他的袍子成了什么样儿,”卢平教授经过时,马尔福故意说得让别人都听见,“他穿得就像我们家以前的小精灵。

”But no one else cared that Professor Lupin's robes were patched and frayed. His next few l essons were just as interesting as the first. After Boggarts, they studied Red Caps, nasty little goblin-like creatures that lurked wherever there had been bl oodshed, in the dungeons of castles and the pothol es of d eserted battlefields, waiting to bludgeon those who had got l ost. From Red Caps they moved on to Kappas, creepy water-dwell ers that looked like scaly monkeys, with webbed hands itching to strangl e unwitting wad ers in their ponds.除了他们,谁也不在意卢平教授的长袍打着补丁,已经磨损得很厉害。

新编简明英语语言学-Chapter-8-Language-and-society

新编简明英语语言学-Chapter-8-Language-and-society

新编简明英语语⾔学-Chapter-8-Language-and-society新编简明英语语⾔学-Chapter-8-Language-and-soc ietyChapter 8 Language and society语⾔和社会知识点:1.*Definition: sociolinguistics; regionaldialect; sociolect; idiolect; ReceivedPronunciation2.Relatedness between language and society3.*Varieties of language4.*Halliday’s register theory5.Degree of formality6.Standard Dialect7.# Pidgin and Creole8.*#Bilingualism vs. diglossia考核⽬标:识记:*Definition: sociolinguistics; regional dialect; sociolect; idiolect; Received Pronunciation领会:Relatedness between language and society; Varieties of language; Degree of formality; Degree of formality; Standard Dialect; Pidgin and Creole简单应⽤:Bilingualism vs. diglossia综合应⽤:Halliday’s register theory⼀、定义1.Sociolinguistics 社会语⾔学: is s the sub-field of linguistics that studies relation between language and society, between the ues of language and the social structures in which the users of lamguage live. 社会语⾔学是语⾔学中的⼀个次领域,它研究语⾔与社会的关系,以及语⾔的运⽤和语⾔使⽤者所在的社会结构之间的关系。

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Chapter Eight Time as communicationLearning objective:.By the end of the chapter, you should be able to understand time is a personal phenomenon, and how we perceive and treat it that expresses our character..How members of different cultures value and respond to time..Understand the three perspectives (informal time, perceptions of past, present, and future and Hall’s monochronic and polychronic classifications) and their reflection in different cultures and learn to determine a culture’s conception of time from three different perspectives mentioned above.Warm-up activitiesIn a small group, read the following paragraph and explain what went wrong, have a discussion on the questions.Jan was in Brazil on business. Ciro a Brazilian associate, invited her to a dinner party he and his wife were giving. The invitation was for “around 8, this Friday night.”Jan arrived at Ciro’s house at exactly 8:00. Ciro and his wife were still dressing and had not even begun to prepare the food.Why did these problems take place?What are some common problems when treating appointment?What do you think theCiro and his wife’s time concept?ReadingReading1 Time OrientationWhen Shakespeare wrote “The inaudible and noiseless foot of Time,’’ we cannot hold or see time, we respond to it as if it had command over our lives. Because time is such a personal phenomenon, all of us perceive and treat it in a manner that expresses our character. If we arrive thirty minutes late for an important appointment and offer no apology, we send a certain message about ourselves. Telling someone how guilty we feel about our belated arrival also sen ds a message. A culture’s use of time can also provide valuable clues to how members of that culture value and respond to time. In America, we hear people saying, “Time is money” and “He who hesitates is lost.” All Chinese know the Confucian proverb, “Think three times before you act.” Reflect for a moment on how differently each of these cultures perceives time. A culture’s conception of time can be examined from three different perspectives:(1) informal time; (2) perceptions of past, present, and future; and (3) Hall’s monochronic and polychronic classifications.Informal Time:Most of the rules for informal time, such as pace and tardiness, are not explicitly taught. Like most of culture, these rules usually function below the level of consciousness. Argyle makes much the same point when he compares cultural differences in punctuality standards: How late is “late”? This varies greatly. In Britain and America only maybe 5 minutes late for a business appointment, but not 15 and certainly not 30 minutes late, which is perfectly normal in Arab countries. On the other hand in Britain it is correct to be 5-15 minutes late for an invitation to dinner. An Italian might arrive 2 hours late, an Ethiopian after, and a Javanese not at all—he had accepted only to prevent his host from losing face.Our reaction to punctuality is rooted our cultural experiences. In the United States, we haveall learned that the boss can arrive late for a meeting without anyone raising an eyebrow; if the secretary is late, he or she may receive a reprimand in the form of a stern glance. A rock star or a doctor can keep people waiting for long period of time, but the warm-up band and the nurse had better be on time. In Latin America, one is expected to arrive late to appointments as a sign of respect. This same tardiness would be perceived as rudeness in Germany. According to Hall and Hall, “Promptness is taken for granted in Germany—in fact, it’s almost an obsession.”We can ascertain a culture’s attitude toward time by examining the pace at which members of that culture perform specific acts and respond to certain events. Americans, because of the pace of life in the United States, always seem to be in a hurry—for them, there is always one more thing to do. Conveniences—from fast-food restaurants, one-stop gas station, and microwave ovens—help most of us get things done quickly. We find the “fast lane” most appealling. We grow up hearing people say, “Don’t waste so much time.” We are impatient when things take too long, and we act as if we believe the French proverb “Patience is the virtue of asses.” Other cultures see time differently and hence live life at a pa ce different from that of most people in the United States. The Japanese, Arab, and Chinese cultures, for example, treat time in ways that often appear at cross-purposes with American goals. Drawing on the Japanese culture for his example, Brislin illustrates how pace is reflected in the negotiation process: When negotiating with the Japanese, Americans like to get right down to business. They were socialized to believe that “time is money.” They can accept about 15 minutes of “small talk” about the weather, their trip, and baseball, but more than that becomes unreasonable. The Japanese, on the other hand, want to get to know their business counterparts. They feel that the best way to do this is to have long conversations with Americans about a wide variety of topics. The Japanese are comfortable with hours, and even days and days, of conversation.Indonesians are yet another group that do not want to be pressured or hurried. They perceive time as a limitless pool. According to Harris and Moran, there is even “a phrase in Indonesia describing this concept of time. People from England and the United States move much faster than people from Indonesia.Past, Present, and FutureAs a species, our fixation with time and the power we give it are rather obvious. Over two thousand years ago, the Greek philosopher Sophocles observed, “Time is a kindly God.” As is the case with most of the issues discussed this book, cultures vary widely in their conceptions of time. Where they differ is in the value placed on the past, present, and future and how each influences interaction.Past-orientated culture believe strongly in the significance of prior events. History, established religion, and traditon are extremely important to these cultures, so there is a strong belief that the past should be the guide for making decisiond and determining truth. We see this orientation in China , which because of its long and resplendent history continues to respect the past. Even today, Chinese historical dramas lead box-office sales. And, as Adler notes, “Chinese children have no space-age superman to emulate. Even at play they pretend to be on the Monkey King, the supernaturl hero of a medieval epic.” In Japan, where Shintoism is strong and ancestor worship important, the past remains paramount. Gtreat Britain, because of its extensive devotion to tradition, continues to resist change as it attempts to cling to the past.Present-orientated cultures hold that the moment has the most significance. For them, the future is vague, ambiguous, and unknown and what is real exists in the here and now. For thesecultures, enjoyment comes in the present. People of the Philippines, Mexico, and Latin American usually have these beliefs.Future-oriented cultures, such as the one found in the United States, emphasize the future and expect it to be grander and nicer than the present. What is coming next holds the greatest attraction for most Americans because whatever we are doing is not quite as good as what we could be doing. The “next” thing can happen in one minute, one week, one month, one year, or in heaven, but the future is where happiness is to be found. Many cultures believe that most Americans are always planning for the future instead of experiencing the moment. This does not mean that Americans have no regard for the past or no thought of the present, but it is certainly true that most of us, in thought or action, do not want to be “left behind”. We al l want to wear the most current fashions and to drive a brand new car.Like many other orientations, our view of time is related to a host of other values. For example, Americans’ view of the future mekes them optimistic. This is reflected in the common proverb “If at first you don’t succeed, try, try, and try again.”Reading2 Monochronic Time and Polychronic TimeAnthropologist Hall advanced another classification of time as a form of communication. Hall proposed that cultures organize time in one of two ways: either monochronic (M-time) or polychronic (P-time). Although he did not intend these as either/or categories, they do represent two distinct approaches to time.M-time is characteristic of people from Germany, Austria, Switzerland, and America. As Hall explains, “People of the Western world, particularly Americans, tend to think of time as something fixed in nature, something around us and from which we cannot escape; an ever-present part of the environment, just like the air we breathe.’’ As the word monochronic implies, this approach sees time as lineal, segmented, and manageable. Time is something we must not waste; we must be doing something or we feel guilty. We behave as if time were tangible: we talk of “ saving time,” “losing time,” or “killing time.” The time clock records the hours w must work, the school bell moves us from class to class, and the calendar marks imoortant days and events in our lives. Appointments and schedules are very important to members of monochronic cultures.People from cultures on P-time live their lives quite differently. P-time cultures, for example, deal with time holistically. They can interact with more than one person or do more than one thing at a time. According to Dressere, this multidimensional approach to the moment “explains why there is more interrupting in conversations carried on by people from Arabic, Asian, and Latin American cultures.’’ They also take great stock in the activity that is occurring at the moment and emphasize people more than schedules. They do not preceive appointments as iron-clad commitments and therefore often break them. For P-time cultures, time is less tangible; hence, feelings of watsed time are not as prevalent as in M-time cultures. This leads, of course, to a lifestyle that is more spontaneous and unstructured—characteristics that often confuse and frustrate Americans and other Westerners.In Table 2 and 3, Hall and Hall summarize the basic aspects of both approaches. Their condensation takes many of the ideas we have mentioned and translates them into specific behaviors.Within the United States, there are co-cultures that use time differently from the dominantculture. Mexican Americans freguently speak of “Chicago time” when their timing varies from that of the dominant culture. Burgoon and Saine have observed that the Polynesian culture of Hawaii has “Hawaii time,” a concept of time that is very relaxed and reflects the informal lifestyle of the Native Hawaii people. And among Samoans, there is a time perspective referred to as “coconut time”, which is derived from the notion that it is not necessary to pick coconuts because they will fall when time is right. African Americans often use what is referred to as “BPT” (Black People’s Time) or “hang-loose time.” This concept, which has its roots in the P-time cultures of Africa, maintains that priority belongs to what is happening at that instant. Statements such as “Hey, man, what’s happenin’?’’ reflect the importance of the here and now.I.The comparison between Monochronic and PolychronicPeopleII. Time as communication1. A culture’s conception of time can be examined from three different perspectives:(1) informal time;(2) perceptions of past, present, and future;(3) Hall’s monochronic and polychronic classifications.2. Past-orientated culture believes strongly in the significance of prior events.3. Present-orientated cultures hold that the moment has the most significance. Forthesecultures, enjoyment comes in the present.4. Future-oriented culturesemphasize the future and expect it to be grander and nicer thanthe present.Summary of the Chapter1.We can understand a culture’s sense of time by learning about how members of thatculture view informal time.2.Attitudes toward time also appear in the ways people conceive of the past, presentand future.3.Cultural orientations toward time can be classified as monochronic or polychronic.Key tremsVerbal communication 言语交际linear language 线性语言Denotational meaning 概念意义Monochronic Time单向时间观Discourse pattern 语篇思维模式nonlinear language 非线性语言iron-clad commitments铁一般的承诺Polychronic Time多元时间观Words & Expressionsfaculty n.才能, 全体教员excursion n. 远足; 短程旅行; 游览schedule v.将...列表; 安排, 预定courtesy n.礼貌; 谦恭有礼的言辞monochromic vt.使单色化perceive v.察觉; 意识到; 理解tangible adj.实体的, 有形的prevalent adj.普遍的, 流行的inaudible adj.听不见的; 不可闻的punctuality n.准时worship v.崇拜, 尊敬;reprimand v.谴责, 严责, 惩戒counterparts n.副本, 配对物, 复本Promptness n.敏捷; 迅速Notes1.Michael Argyle, “Inter-cultural Communication,”in Cultures in Contact: StudiesCross-Cultural Interaction. Stephen Bochner, Ed.2.R. Levine, “Social Time: The Heartbeat of Culture,” Psychology Today, March 1985,35.3.P.R.Harris&R.T.Moran, Managing Cultural Differences, 4th ed.(Houston TX:Gulf1996),266.ExercisesI.Questions for Discussion1.How late can you be for the following: a class? Work?a job interview? A dinner party?A date with a friend? Now ask these same questions of members of Latin Americanand Asian cultures.2.How much do you know about monochronictime and polychronictime?3.Have you ever experienced troubles because of the different concepts of time?II.Multiple Choices1.Which of the followings are present-orientated cultures______?A. PhilippinesB. ChineseC. Mexico,D. Latin American2. In , arrive late to appointments is strictly not expected.A. JapaneseB. ChineseC. Latin AmericaD. German3. The culture/cultures of _______treat time in opposite ways with American.A. the Japanese,B. the Arab,C. the ChineseD. the German4. Past-orientated culture is reflected in_______.A. Chinese historical dramas draw a large audience.B. Hi-tech hero is rarely seen in the world of Chinese children without the consideration ofimport heroes.C.The characters of Japanese cartoon with many traditional features.D. Great Britain continues to resist change as it attempts to cling to the past.5. What is true about future-oriented cultures?A. It is found in the United States.B. Future holds the greatest attraction for most AmericansC. Americans have no regard for the past or no thought of the presentD. Americans’ view of the future makes t hem optimistic.6. P-time is different from M-time in that P-time ______ .A. deals with time as a wholeB. emphasizes schedules more than people.C. perceives appointments as iron-clad commitments and therefore never break them.D. feels wasted time not as prevalent as in M-time culturesIII. Fill in the blanks1.Our reaction to () is rooted our cultural experiences.2.The Japanese, Arab, and Chinese cultures, for example, treat time in ways that oftenappear () with American goals.3.We see this orientation in China, which because of its long and () history continues torespect the past.4.“Chinese children have no space-age superman to (). Even at play they pretend to beon the Monkey King, the supernatural hero of a medieval epic.”5.Hall proposed that cultures organize time in one of two ways: either () or ().6.P-time cultures, for example, deal with time (). They can interact with more than oneperson or do more than one thing at a time.Case StudyCase1Kevin has taught in a Chinese university for about 3 months. He has had a hard time developing new friendships and starting a new life in China .While he keeps busy during the week with his job,weekends are difficult times for him. He would make plans for all the weekends so that he would not feel lonely.On one Thursday,Kevin was told that the Foreign Affairs Office would organize an excursion for international faculty on the coming Saturday to visit a nearby garden and teahouse. However,Kevin said"no"to the organizer because,he had arranged to do something with one of his few friends."But didn't you tell us that you wanted to be able to find interesting things to do on weekends?",asked one of the organizers."Yes,but this is a very short notice. I already made plans." "Today is only Thursday!",said the organize."But Saturday is only two days away,"said Kevin.As a result,Kevin could not make the trip that he would have liked to.Question:Please analysis the case both from Chinese perspective and from American perspectivewith conception of time?Case 2Finding an Interested BuyerGeorge Hall was in Beijing attending a trade fair and looking for an opportunity to do business in China. He had been very successful in his business dealings in the US and prided himself on his ability “to get things moving.” His first day was going we ll .He looked around at the displays of sporting equipment to get some idea of whom he might approach. He was sure that his products, tennis rackets with an unusual new design, would arouse some interests. On the second day he approached the company which he felt would be most responsive to his products. He introduced himself to the general, a Mr. Li. Since he had read that Chinese find getting down to business immediately too abrupt and rude, he began a casual conversation, eventually leading up to the top ic of his products and suggesting how Mr. Li’s company might benefit from using them. George then suggested that he could arrange to get together with Mr. Li and provide more specifics and documentation on his products.Mr. Li responded in fairly good E nglish,” That would be interesting.”Knowing that he had only a few days left in Beijing, George wanted to nail down a time,” When can we meet?” asked George.“Ah. This week is very busy,” replied Mr. Li.“It sure is,” said George,” How about 10 o’clock? Meet you here. “Tomorrow at 10 o’clock?” asked Mr. Li thoughtfully.“Right,” said George, “I’ll see you then?”“Hmm, yes; why don’t you come by tomorrow,” was the reply.“OK,” responded George,” It was nice meeting you.”The next day at 10 o’clock he approached Mr. Li’s company’s exhibit only to find that Mr. Li had some important business and was not able to meet with George. He called back later in the day and was told that Mr. Li was not available.Question:Why did these problems take place?George is from a M-time culture orP-time culture?。

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