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1金融英语讲义2Unit1MoneyFiguresAmericanoilbillionaireJ.PaulGettyhasaveryfamoussaying,thatis“Ifyoucanactuallycountyourmoney,thenyouarenotreallyarichman.”美国的银行业大亨J.PaulGetty曾经说过一句话：如果你的钱是可以数得清楚的，那么你就不是一个真正的富人。Well,thesentenceisinteresting,butactuallywemustknowhowtocountthemoneybeforewegetrich,especiallyinEnglish.So,intoday’sclass,wewouldfirstlearntosayEnglishnumbers.Mostpeopleworkinginfinance,whetheritisinaccountancy,banking,broking,investment,insurance,orwhatever,spendalotoftimedealingwithnumbers.I.Let’stalkaboutthedifferentwaystosay0inEnglish.Usually,wehavethefollowing5waystosay0inEnglish.Theyare:OH,ZERO,LOVE,NOUGHT,andNIL!Wesayohafteradecimalpoint6.03sixpointohthreeintelephonenumbers84083213eightfouroheightthreetwoonethreeinbusnumbersNo.708getthesevenoheightinhotelroomnumbersRoom308I'minroomthreeoheight.inyears1905nineteenohfiveWesaynoughtbeforethedecimalpoint0.201noughtpointtwoohoneWesayzeroforthenumber0thenumberzerofortemperature-5~CfivedegreesbelowzeroWesaynilinfootballscores5-0Spainwonfivenil.Wesayloveintennis15-0Thescoreisfifteenlove.Nowsaythefollowing:1.Theexactfigureis0.002.a)beforethedecimalpoint,readnought;b)afteradecimalpoint,readoh.Noughtpointohohtwo.2.Canyougetbacktomeon010–5175–0123?I'llbehereallmorning.intelephonenumbers,sayoh.Ohoneohfiveonesevenfiveohonetwothree3.Canyouputthatonmybill?I'minroom804.inhotelroomnumbers,sayoh.Eightohfour4.Thetemperatureinnorth-eastChinaisverylowinwinter.Usually,it's20degreesbelow0!3fortemperature,sayzero.5.Basically,tennisscoringproceedsfrom0to15to30to40togame.love（0）,fifteen（15）,thirty（30）,forty（40）,game（胜局）。6.Theresultofthegamewas3–0three-nilII.THEDECIMALPOINTInEnglish,weuseapoint(.)andnotacomma(,)fordecimals.在英语当中，小数点都是写为一个点，而不是逗号。Weusecommasinfiguresonlywhenwritingthousands.我们在表达数字千的时候呢，用逗号来隔开。10,002istenthousandandtwo.10.003istenpointohohthreeInEnglishallthenumbersafteradecimalpointarereadseparately.Forexample:20.66twentypointsixsixNottwentypointsixtysix0.243noughtpointtwofourthree0.005noughtpointohohfiveYouwillalsobearpeoplesay:0.05zeropointohfiveorohpointohfiveButifthenumberafterthedecimalpointisaunitofmoney,itisreadlikeanormalnumber:￡12.50twelvepoundsfifty€5.95fiveEurosninetyfiveNB.Thisisveryimportant.Whenyoudobusinessonthephone,saynoughtpointthreesevenfive(0.375)andnotnoughtpointthreehundredandseventyfive.Ifthelistenermissedthewordpoint,youmightlosealotofmoney.So,saythedigitsseparatelyafterthepoint.Nowsaythefollowing:1.It'ssomewherebetween3.488and3.491.2.Look,it'slessthan0.0001!It'shardlyworthworryingabout.3.IchangedallthoseyenintosterlingandIonlygot￡13.60!YenisthestandardunitofmoneyinJapan,SterlingisthestandardunitofmoneyintheUnitedKingdom,(yen是日本的货币单位，sterling是英国的标准货币单位)4.That'sabout14.50inSwissfrancs.（瑞士法郎）5.Didyousay0.225or0.229?6.Thedollarisat1.95.（onepointnightyfive）7.No,Imeant15.005not15,005.Say:No,Imeantfifteenpointohoh5,notfifteenthousandandfiveIII.PERCENTThestressisonthecentofpercenttenpercentNoticethefollowingwhentalkingaboutinterestrates:(利率)0.5%ahalfofonepercent0.25%aquarterofapercentagepointForexample:4TheBankofEnglandraisedinterestratesthismorningbyaquarterofapercentagepoint.Nowsaythefollowing:1.What's20%of360?2.Theyhaveputtheinterestrateupbyanother0.5%.(ahalfofonepercent)3.0.75%won'tmakealotofdifference.IV.HUNDREDS,THOUSANDS,ANDMILLIONSInBritishEnglishyouhearahundredandtwentythree.InAmericanEnglishyouusuallyhearahundredtwentythree.So,therearesomesmalldifferencesbetweenBritishEnglishandAmericanEnglish.Thenumber1,999issaidonethousandninehundredandninetynine.Theyear1999issaidnineteenninetynine.Theyear2000issaidtheyeartwothousand.Theyear2001issaidtwothousandandone.Theyear2015issaidtwothousandandfifteenortwentyfifteen.Note:Itislikelythat:differentpeoplewillrefertotheearlyyearsofthe21centuryindifferentways.Rememberthattheyear1999isalwaysreferredtoasnineteenninetynine-notonethousandandninehundredandninetynine.Now,pleasereadthefollowingnumbers:1,000,000isamillionortentothepowersix:(106)1,000,000,000isabillionorten.tothepowernine:(109)Nowlet’slookatthefollowingnumbers:11，234issaid：eleventhousandtwohundred(and)，thirty—four155,721issaid：onehundred(and)fifty-fivethousandsevenhundred(and)twenty-one6，155，702issaid：sixmilliononehundred(and)fifty-fivethousandsevenhundredandtwo26，000，008issaid：twenty-sixmillionandeight326，414，718issaid：threehundred(and)twenty-sixmillion，fourhundred(and)fourteenthousand,sevenhundred(and)eighteen4，302，000，000issaid：fourbillionthreehundred(and)twomillionFromtheabovefigures,wecanseethatfromrighttoleft,thereisacomaeverythreefigures,thefunctionofthecomaisveryimportant.Itcanhelpusreadandrememberthenumbers.由以上一5组数字可以看出，多位数由右向左每3位有一逗号，这个逗号的作用非同小可，在记忆数字时，它可以帮我们很大的忙!Fromrighttoleft,thefirstcomaissaidthousand逆向第一个逗号读thousand；thesecondcomaissaid:million,第二个逗号读million；thethirdcomaissaid:billion,第三个逗号读billion；第四个逗号就是trillion。这几个逗号的作用在于，当我们听到若干thousand时，立即写下这个数，并在其后打一个逗号，并留出3位；当听到若干million，则写下数字，并在其后打一逗号，留出6位；听到若干billion，方法同上，在后面留出9位，后面的million、thousand依此法类推，让所有数字各就其位。例如，当你听到“twentythousandandfour\'’写出20，“andfour”意为后一组仅有个位，即：004，那么，这个数字完整地写下来