U2L3 Personal Finance-Charge it（课件）-《新模式英语4》(劳保版第三版）《上好课》

Unit 2 Personal Finance Lesson 3 Charge it！ 劳保版第三版 新模式英语4 Learning objectives 学习目标 能力目标 知识目标 1. 理解与运用支付方式与实践运用； 2. 掌握信用卡优势与劣势的梳理与表达； 3. 理解现金支付与信用卡支付的差异，能清晰阐述二者的不同特点。 1.能从消费心理、财务压力、信用记录、使用便捷性等方面对比现金支付与信用卡支付的差异，并用英语清晰表达； 2. 能结合具体消费项目选择合适的支付方式，提升知识的实际应用能力。 情感目标 1.培养理性消费意识，认识到信用卡使用的双面性； 2.增强风险防范意识，了解信用卡使用的潜在风险。 03 01 02 目录 01 02 03 04 05 06 课堂导入 知识讲授（核心词汇与阅读理解） 师生互动与课堂练习 知识讲授（支付方式与实践运用） 师生互动与课堂练习 课堂小结 3 课堂导入 课前导入 Credit Card Survey 信用卡使用小调查 Do you or your parents have a credit card? Answer the questions below. Do you/your parents have a credit card? □ Yes □ No What kind of card is it? ____________________ What is the interest rate? ____________________ What do you use it for? ____________________ 课前导入 Which Payment Method Do You Prefer? 支付方式偏好 My Preference: ____________________ Reason: ____________________ cash credit card 课前导入 Key Questions of This Lesson What are the pros and cons of using a credit card? What are the differences between cash and credit card payment? How to choose the right payment method for different situations? How to use credit cards rationally? 知识讲授 （核心词汇与阅读理解） 知识讲授 credit card /ˈkredɪt kɑːd/ 信用卡 → I have a credit card that can earn travel miles. credit score /ˈkredɪt skɔː(r)/ 信用评分 → A good credit score helps you get loans easily. bankruptcy /ˈbæŋkrʌptsi/n. 破产 → Overspending with credit cards may lead to bankruptcy. 核心词汇--信用卡相关 知识讲授 interest rate /ˈɪntrəst reɪt/ 利率 → This credit card has a low interest rate. credit utilization /ˈkredɪt ˌjuːtəlaɪˈzeɪʃn/ 信用使用率 → Credit utilization is a key factor in credit score. pitfall /ˈpɪtfɔːl/n. 隐患 → We need to avoid financial pitfalls when using credit cards. 核心词汇--信用卡相关 知识讲授 pros and cons 优缺点 → We should weigh the pros and cons before using credit cards. drawback /ˈdrɔːbæk/n. 缺点 → A major drawback of credit cards is overspending. cautious /ˈkɔːʃəs/adj. 谨慎的 → Be cautious about sharing your credit card information. 核心词汇--支付相关 知识讲授 consumption /kənˈsʌmpʃn/n. 消费 → Credit cards can stimulate consumption. digital payment /ˈdɪdʒɪtl ˈpeɪmənt/ 数字支付 → Digital payment is very popular in daily life. 核心词汇--支付相关 credit card /ˈkredɪt kɑːd/ 信用卡 cash /kæʃ/n. 现金 interest rate /ˈɪntrəst reɪt/ 利率 payment /ˈpeɪmənt/n. 支付；付款 spend /spend/v. 花费；消费 bankruptcy  /ˈbæŋkrʌptsi/  n. 破产 consumption  /kənˈsʌmpʃən/  n. 消耗 drawback  /ˈdrɔ:bæk/  n. 缺点 pitfall  /ˈpɪtfɔ:l/  n. 隐患，陷阱 utilization  /ˌju:təlaɪˈzeɪʃən/  n. 利用 朗读下列单词并背诵标红词汇 课堂练习 credit card, credit score, bankruptcy, interest rate, cautious, drawback She is very ______ when using her ______ to avoid overspending. A high ______ can make it difficult to pay back the money you borrow. The main ______ of using credit cards is that they may lead to ______. A good ______ is important for applying for loans. 选词填空 cautious credit card interest rate drawback bankruptcy credit score 课堂练习 1. build credit 2. earn rewards 3. overspending 4. high interest 5. credit utilization 6. digital payment A. 过度消费 B. 建立信用 C. 数字支付 D. 信用使用率 E. 赚取奖励 F. 高利率 短语匹配 1 6 5 2 4 3 阅读理解 扫读并回答问题 Main Idea: What is the passage mainly about? A. How to apply for a credit card. B. The pros and cons of using a credit card. C. How to earn rewards with credit cards. Skim quickly to find the key words (Benefits, Drawbacks) and get the main idea. 阅读理解 精读并回答问题 Read the passage again and fill in the table about the pros and cons of credit cards. Use the key words in the passage to fill in the table. Pros (Advantages) Cons (Disadvantages) 1. Build credit. 1. Overspending. 2. ____________________ 2. ____________________ 3. ____________________ 3. ____________________ 4. ____________________ Earn rewards Emergency purchasing power Purchase high cost items High interest Negative credit score impact 阅读理解 精读并回答问题 Understanding the pros and cons of credit cards can help ensure you make the best use of your credit card and avoid any financial pitfalls. → "pitfall" means ______________ (A. 机会 B. 隐患 C. 好处) Many credit cards offer perks that reward your spending. This could include cash back, points or travel miles. → "perks" means ______________ (A. 惩罚 B. 福利 C. 规则) Guess the meanings of the underlined words according to the context. 重点表达 pros and cons pros：来自拉丁语 pro，表示 “支持、赞成的理由”（优点、好处） cons：来自拉丁语 contra，表示 “反对、不赞成的理由”（缺点、弊端） weigh the pros and cons（权衡利弊） list the pros and cons（列出优缺点） consider the pros and cons（考虑正反两面） 🔍 阅读理解 精读并回答问题 What is the primary benefit of using a credit card? What may happen if you make late payments with a credit card? What is credit utilization? Answer the following questions based on the passage. 阅读理解 精读并回答问题 The primary benefit of using a credit card is that it can help you build credit. Using it responsibly and making on-time payments will increase your credit score, which is important for future loans and financial opportunities. 1. What is the primary benefit of using a credit card? 使用信用卡的主要好处是帮助你建立信用记录。如果能负责任地使用并按时还款，你的信用评分会随之提升，这对未来申请贷款和获得其他金融机会非常重要。 阅读理解 精读并回答问题 If you make late payments, you will be charged interest on the remaining balance. Additionally, late payments are reported to credit bureaus and can negatively impact your credit score, making it harder to get loans or credit in the future. 2. What may happen if you make late payments with a credit card? 如果还款逾期，你会被收取剩余欠款的利息。此外，逾期记录会被上报给信用机构，对你的信用评分产生负面影响，导致未来更难申请到贷款或其他信用产品。 阅读理解 精读并回答问题 Credit utilization is the percentage of your available credit that you are using. It is calculated by dividing your current credit card balance by your total credit limit, and it is a key factor in your credit report that affects your credit score. 3. What is credit utilization? 信用利用率是指你当前使用的信用额度占总可用信用额度的百分比。它的计算方式是 “当前信用卡余额 ÷ 总信用额度”，是信用报告中的一个关键指标，会直接影响你的信用评分。 知识讲授 （支付方式与实践运用） Cash Credit Card _________________________ _________________________ _________________________ _________________________ _________________________ _________________________ _________________________ _________________________ _________________________ _________________________ 1.be more cautious about buying behaviour 2.avoid excessive consumption 3.keep a good credit card 1.may charge up limit without approval 2.no collateral needed 3.interest rates vary 对比辨析 对比现金支付与信用卡支付方式 可以从消费心理、财务压力、信用记录、使用便捷性、安全风险等方面进行比较 25 实践运用 Choose the suitable payment method (Credit Card / Contactless Digital Payment) for each item and explain your reason. 支付方式选择 Mobile Phone Tuition Fee Clothing Computer Airline Ticket Bicycle Example：Computer: Credit Card - It’s an expensive item; credit card offers emergency purchasing power. 实践运用 Choose the Right Payment Method 支付方式选择 Items Payment Method Reason Mobile Phone ____________________ ____________________ Tuition Fee ____________________ ____________________ Clothing ____________________ ____________________ Computer ____________________ ____________________ Airline Ticket ____________________ ____________________ Bicycle ____________________ ____________________ 观看并思考 视频观看 What contractless digital payment do you use in your daily life? 实践运用 Discuss with your group and list the advantages and disadvantages of contactless digital payment. 无接触数字支付的优缺点 8 minutes for discussion; each group chooses a recorder and a speaker. 实践运用 Contactless Digital Payment 无接触数字支付的优缺点 Advantages Disadvantages 1. Convenient and fast 1. Security risks (fraud, password leakage) 2. ____________________ 2. ____________________ 3. ____________________ 3. ____________________ 实践运用 How to use credit cards rationally? Share your suggestions. 理性使用信用卡 Useful Expressions: Pay the balance in full each month to avoid high interest. Set a spending limit to control overspending. Check your credit report regularly. Don’t share your credit card information with others. 课堂小结 Review 知识回顾 一、词汇 bankruptcy  /ˈbæŋkrʌptsi/  n. 破产 consumption  /kənˈsʌmpʃən/  n. 消耗 drawback  /ˈdrɔ:bæk/  n. 缺点 pitfall  /ˈpɪtfɔ:l/  n. 隐患，陷阱 utilization  /ˌju:təlaɪˈzeɪʃən/  n. 利用 be cautious about  对……小心谨慎 digital payment  数字支付方式 interest rate  利率 pros and cons  利弊 Review 知识回顾 二、表达 Do you or your parents have a credit card? What kind of card is it? What are the pros and cons of using a credit card? Credit cards can help you build credit, but they may lead to overspending. Compared with cash payment, credit card payment is more convenient. We should be cautious about credit card usage to avoid financial risks. Homework 课后作业 背诵本课核心词汇和 5 个例句； 完成教材中 “Investigate the advantages and disadvantages of using contactless digital payment” 任务，写出 3 条无接触数字支付的优势和 2 条劣势。 查找更多AI职教优质资源 点击 https://zhijiao.xkw.com/ Thanks Lavf58.20.100 Packed by Bilibili XCoder v2.0.2 $