青少版新概念1B Unit 16-30 課文文本及融資租賃在供應(yīng)鏈金融中的幾種業(yè)務(wù)模式

青少版新概念1B課文文本Unit16-30目錄Unit16:OntheLondonEyeUnit17:Smile,please!Unit18:Mencancook,too!Unit19:Youmusteat!Unit20:Whatasurprise!Unit21BreakfastbluesUnit22:WatchingtheneighboursUnit23:AnexpensivecameraUnit24:AlightdinnerUnit25:TheweekendshoppingUnit26:Aself-servicerestaurantUnit27:ToothacheUnit28:Everydayisdifferent!Unit29:ManyhappyreturnsofthedayUnit30AninternationaleventUnit16:OntheLondonEyeDaisy:Oh,Jack!Isn'tthisfun?Canyoubelieveit?We'realltogetherontheLondonEye!Jack:Yes,honey.Isn'titgreat?Look,Claire!That'stheRiverThames.CLAIRE:Yes,Dad.Isn'titgrey?DAISY:Well,greyandsilver!It'sbeautiful.Lookatallthebridges!CLAIRE:Hey,Mom,IcanseeTowerBridge.It'sopen!Isitreally?Passmethebinoculars!JACK:Canyouseeanyshipsthere?CLAIRE:Icanseeone.Therearesomeboats,too.DAISY:Look,Jack!That'sWestminsterBridgedownthere.Therearesomepeopleonthebridge.JACK:Therearesomecarsandbuses,tooCLAIRE:Hey,Dad!That'sBigBen!It'stwelveo'clock!DAISY:Ding-dong,ding-dong;Ding-dong,ding-dong!Oh,Jack!Isn'tLondonjustgreat?Unit17:Smile,please!FLORA:Watchthis,Lucy!Icanbalanceonthisball!Canyoudoit?LUCY:Icantry.LUCY:Oh,yes!Icanbalanceonaballaswell.It'seasy!Lookatus,Vikki!FLORA:Lookatmenow,Lucy!I'monmyknees!Canyoubalancelikethis?LUCY:Yes,Icandothat,too.It'sfun!FLORA:Comeon,Vikki!Canyoubalanceonabigballlikeus?VIKKI:No,Ican't.You'rebothgoodatgymnastics,butI'museless.Ican'tdoit.LUCY:Nevermind,Vikki!YoucandoMathsandMusicandIcan't!I'muselessatMaths.FLORA:Andyoucantakeaphotoofus!Comeon!Takeaphotoonyourmobile.VIKKI:OK.Ready?One,two,three!Smile,please!Unit18:Mencancook,too!WILLIAM:Let'scookdinner,Robert.Youcanhelpme.Givemesomerice,please.There'ssomericeinthatjar.WILLIAM:Putsomewaterinthepan,andpassmeaknife,please.ROBERT:Whichone?WILLIAM:Thatoneonthetable.ROBERT:OK,Dad.Hereitis.WILLIAM:Choptwoonions,please.ROBERT:OK,Dad.Choptwoonions...WILLIAM:Isthereabigspoonoverthere?ROBERT:Yes,Dad.WILLIAM:Passmethebigspoon,please.ROBERT:Ican'tgetaspoonandchopanonion,Dad!WILLIAM:You'reright.Whataboutsomeplates?ROBERT:Dad,therearesomeplatesontheshelf.Therearesomeknives,someforksandsomespoonsinthedrawer.Andmyhandsarewet.WILLIAM:Yousee,Robert,mencancook,too.Perhapswecanopenarestaurant!ROBERT:Oh,yeah!Unit19:Youmusteat!DAISY:Whattimeisit?NINA:It'sfouro'clock.DAISY:Fouro'clock!Gee,I'mhungry!NINA:Iam,too!DAISY:OK.Thankyou,Nina.Wecanfinishnow.There'ssomefoodonthetableoverthere.Let'seat.NINA:Daisy,Icanlook,butIcan'teat.DAISY:Whynot?You'retired.You'rehungry.Youcaneat.What'stheproblem?NINA:Foodistheproblem.DAISY:Comeon,Nina!Youmusteat!Therearelotsofgoodthingshere.There'ssomefish,andsomesalad.Andtherearesomehotdishes,too.NINA:Icandrinksomewater,butImustn'teat.Ican'teatandbebeautiful.DAISY:Nonsense,Nina!Youarebeautiful!NINA:Thankyou,Daisy.MaybeIcaneatapeach.DAISY:Maybeyoucaneatlotsofpeaches!Now,honey,pleasehelpyourself!Unit20:Whatasurprise!KAREN:Hello,Linda!Nicetospeaktoyou!Howareyou?AndhowisKen?KAREN:Yes,I'mverybusy,too.It'sLucy'smusiclessonathalfpastsix.I'msorry,butIcan'ttalknow.KAREN:Comeon,Lucy!Yourmusiclessonisathalfpastsix,andit'saquartertosixnow!What'stheproblem?LUCY:Ican'tfindmymusicbook.KAREN:Ohdear!I'msorry,Linda.Imustgo!CanIcallyouathalfpastnine?LUCY:Mum!Imustfindmybook!KAREN:Thanks,Linda.Bye!Now,Lucy,lookinyourschoolbag.LUCY:Itisn'tthere.KAREN:Areyousure?LUCY:Yes,Mum.Look!LUCY:Oh!Hereitis!KAREN:Whatasurprise!Pleasehurryup,Lucy!It'ssixo'clock.LUCY:It'sOK,Mum.I'mready.Canwegonow,please?Unit21BreakfastbluesKAREN:Doyouwantanybreakfast,Paul?Notreally,butImusteatsomething.Imustn'ttrainonanemptystomach.Havewegotanyorangejuice?KAREN:Yes,wehave.There'ssomeinthefridge.Howmuchjuicedoyouwant?PAUL:Oh,justasmallglass,please.KAREN:Hereyouare.KAREN:Doyouwantanycoffee?PAUL:No,thanks.Havewegotanytea?KAREN:Yes,there'ssometeainthepot.Helpyourself.KAREN:PoorPaul!It'saveryearlystart!Tellmeaboutit!PAUL:Ican'teatatsixo'clockinthemorning.KAREN:I'vegotsomeyoghurtinthefridge.Youcantakeitwithyouandhaveitatthegym.PAUL:Thanks,Karen.That'snice.Theyhaven'tgotanyyoghurtinthecanteenattheacademy.Thefoodthereisterrible.Unit22:WatchingtheneighboursPOLLY:There'sClaireinKaren'sgarden.Look,she'swithPaulagain.ANNIE:Yes.They'reverygoodfriends.POLLY:Hasshegotalotoffriendsnow,Annie?ANNIE:Well,she'sverynewhere.Andshe'sshy.Perhapsshehasn'tgotmanyfriends.POLLY:Well,therearelotsofnicegirlsattheartcollege.ANNIE:AndPaulhasgotalotoffriends.Hecanintroducehertothem.POLLY:Yes.Perhapsshe'shappywithPaul.He'salovelyyoungman.ANNIE:Andthey'rebothverybusywiththeirstudies.Theyhaven'tgotalotofsparetime.POLLY:That'strue.Paul'salwaysbusy.NowtellmeaboutClaire'smotherUnit23:AnexpensivecameraWILLIAM:WhatkindofcamerahasClairegot,Jack?JACK:Letmethink.It'saJapaneseone.JACK:Ican'trememberthename.Oh,yes!Iknow!It'sanIxus,aCanonIxus.WILLIAM:LuckyClaire!That'saveryfinecamera!JACK:Yes,itis.It'saveryexpensivecamera,too,butClairewantsanotherone.WILLIAM:Why?Doesn’tshelikethatone?JACK:Well,shelikesit,butshewantsanewone.JACK:It'soneofDaisy'soldcameras.Clairewantsanewoneforherbirthday.WILLIAM:Shecangivemetheoldoneatanytime!Justbringithere!Unit24:AlightdinnerKAREN:Doyoulikevegetables?CLAIRE:Yes,Ilikevegetables,too.KAREN:I'vegotsomenewpotatoesandsomesalad...KAREN:There'ssomelettuceandsomecucumber.IsthatOK?CLAIRE:That'sfantastic,Karen!It'smyfavouritekindoffood!KAREN:Well,here'sabowl.YouandPaulcanpicksomestrawberriesfromthegarden.Thenwecanhavesomefruitfordessert.PAUL:Thisisgreat,Karen!Areallyhealthymeal!ButI'mveryhungry!KAREN:Don'tworry,Paul!I'vegotlotsofpotatoesinthekitchen!KAREN:Andyoucanhavesomecreamwithyourstrawberries.Justpickthemfirst!Unit25:TheweekendshoppingLucy:Mum,thereisn'tanysugarinthehouse.KAREN:Iknow.Imustgotothesupermarket.Let'smakeashoppinglist.LUCY:Weneedsometea,too,Mum.Thereisn'tmuchteainthetin.KAREN:Let'sgetfourpackets.LUCY:Fourpacketsoftea...LUCY:OK.Howmuchsugardoweneed?KAREN:Twobags.LUCY:Twobagsofsugar...LUCY:Whataboutfoodfortheweekend,Mum?KAREN:Weneedaloafofbread,somemeatforSundaylunch,andsomevegetables,too.Whatvegetablesdowewant,Lucy?LUCY:Oneloafofbread,apieceofmeat,somevegetables...Mum,thesethingsareallreallyboring.Whataboutsomenicethingsfortheweekend?KAREN:Whatkindofthings?LUCY:Well,chocolate,andicecream,perhaps...KAREN:You'reright.Let'sgetaboxofchocolates,someicecreamforyouandtheboys,andabottleofwineformeandyourfather!Unit26:Aself-servicerestaurantANNIE:What'sonthemenu?Showmethemenu,please.ASSISTANT:I'msorry.Thereisn'tamenu.Youcanseethefood,andyouhelpyourself.ANNIE: That'svegetablesoup,isn'tit?ASSISTANT: Yes,that'sright.ANNIE: Passmeabowlofsoup, please.POLLY: Andabowlofsaladforme, please.ASSISTANT: Onesoup,onesalad. Hereyouare.ANNIE:Thatlooksnice.Whatisit?ASSISTANT:It'smeatandvegetablesintomatosauce.ANNIE:Givemeoneofthose,please.POLLY:Andasmallpieceoffishforme,please.ASSISTANT:Pleasejusttakethem.Hereyouare!ANNIE:Thankyou,mydear.That'sfine!ANNIE:Canyoubringussomecoffee,please?POLLY:Andajugofwater,withtwoglasses?ASSISTANT:I'msorry,ladies,butthisisaself-servicerestaurant!Youmusthelpyourselves!Unit27:ToothacheWILLIAM:Robert'snotwell,Karen!What'sthematterwithhim?KAREN:He'sgottoothache.WILLIAM:PoorRobert!Helooksawful!Pleasecallthedentist!KAREN:Yes,yes,ofcourse!KAREN:Hello?Myname'sKarenJenkins.WeareMr.Hall'spatients.PleasecanImakeanappointmentformyson,Robert?It'sanemergency.KAREN:Yes,that'sright.RobertJenkins.He'sgotterribletoothache...Yes,...That'stoday,withMr.Hall.That'sathalfpastfourthisafternoon.Thankyouverymuch!WILLIAM:PoorRobert!Helooksmiserable!KAREN:Youlookmiserable,too!WILLIAM:Ifeelmiserable.WILLIAM:Oh,well,theappointment'sfortoday.Let'shopeforthebest.KAREN:PoorRobert!Pooryou!Unit28:Everydayisdifferent!PAUL:Hello,Claire!Howareyoutoday?CLAIRE:Hi,Paul!I'mfine,butIhatethisweather!PAUL:Whatdoyoumean?Theweather'squitenicetoday.CLAIRE:It’swet!It'salwayswet!IsiteverfineandwarminEngland?PAUL:Well,ofcourseitis！It'salwayslovelyinsummer!CLAIRE:Butwhenisthat?Isiteverdryandsunnyfortwodaystogether?PAUL:Well,that'showitiswithanAtlanticclimate!It'softenhotanddryinsummer.Butitrainssometimesinsummer,too,especiallyinJuly.CLAIRE:You'reright.It'sJulynow.It'scool,andit'sverywet!PAUL:Well,that'sthedifficulty!It'swetnow,andcool,too.Theweatherchangesallthelime.Butwehaveaninterestingclimate!Unit29:ManyhappyreturnsofthedayWILLIAM:ThefirstofAugust,Karen!It’sRobert'sbirthday.WILUAM:Ican'tbelieveit!Robert's10today!KAREN:Iknow!Tenyearsoldalready!KAREN:Happybirthday,Robert!Here'sapresentforyoufromyourfatherandme.ROBERT:Oh,great!Thanks,Mum!Thanks,Dad!ROBERT:Oh,great!Anewbike!Oh,lookatthegears!Dad!It'sgotCampagnologears!Oh,wow!WILLIAM:You'requitetallnow,Robert.Youneedanewbicycle.Butyoumustbecareful.Thetrafficisverydangerous.KAREN:Don'tworryaboutthetrafficnow！Happybirthday,Robert,andmanyhappyreturnsoftheday!WILUAM:Yes,manyhappyreturnsoftheday,Robert!Unit30AninternationaleventCLAIRE:Howlongistheracethisweekend?PAUL:Tenmiles.It'snotverylong.CLAIRE:Andwho'sintherace?PAUL:Well,therearelotsoffantasticrunners.Theycomefromallovertheworld.CLAIRE:Likewho?PAUL:Well,therearesomefromAustralia.TheycompeteinalltheEuropeanevents,andthey'reimpressive.CLAIRE:Canyoucompetewiththem?PAUL:Well.I'mnotinthefirstrank.Icancompeteinthisrace,butit'smyfirsthalfmarathon.PAUL:IneedpracticefortheLondonMarathonnextyear.CLAIRE:I'msureyoucandowell,Paul.PAUL:Well,maybe...PAUL:Theotherrunnersarereallyinternational.ThereareMoroccans,Brazilians,Canadians,Germans,Chinese—younameit!They'reallverygood.Let'swaitandsee!That’stheendofBook1B1方案簡(jiǎn)介供應(yīng)鏈金融在當(dāng)今市場(chǎng)發(fā)揮著越來越重要的角色，它是商品交易下應(yīng)收應(yīng)付、預(yù)收預(yù)付和存貨融資而衍生出來的組合融資，是以核心企業(yè)為切入點(diǎn)，通過對(duì)信息流、物流、資金流的有效控制或?qū)τ袑?shí)力關(guān)聯(lián)方的責(zé)任捆綁，針對(duì)核心企業(yè)上、下游長(zhǎng)期合作的供應(yīng)商、經(jīng)銷商的融資服務(wù)。在供應(yīng)鏈金融中可以把錢投在需求大的地方，有效的提高一個(gè)產(chǎn)業(yè)鏈的總體效益。融資租賃有限公司所提出的供應(yīng)鏈金融模式可以根據(jù)不同的企業(yè)進(jìn)行有效的調(diào)整，以達(dá)到解決企業(yè)客戶融資難的問題，以及為對(duì)象客戶提供貨物的囤積。在供應(yīng)鏈金融模式中，主要有保兌倉融資、應(yīng)收賬款融資、融通倉融資。融資租賃業(yè)務(wù)可以融入到保兌倉融資和融通倉融資這兩種模式中。2關(guān)系圖1、保兌倉融資模式—直接租賃A、承租人、廠商、租賃公司、物流企業(yè)簽訂《貨物融資租賃合同》。B、融資租賃公司和銀行簽訂《貸款合同》。C、在《貨物融資租賃合同》中要明確廠商回購義務(wù)和客戶為其自己提貨逾期而做相應(yīng)擔(dān)保責(zé)任。此外，租賃公司和物流企業(yè)要明確倉單質(zhì)押涉及到的貨物所有權(quán)轉(zhuǎn)移，以及物流企業(yè)對(duì)存貨安全性的擔(dān)保。2、融通倉融資模式—售后回租A、承租人，租賃公司，物流企業(yè)簽訂《貨物融資租賃合同》B、融資租賃公司和銀行簽訂《貸款合同》。C、在《貨物融資租賃合同》中要明確第三方擔(dān)保和客戶為其自己提貨逾期而做相應(yīng)擔(dān)保責(zé)任。此外，融資租賃公司和物流企業(yè)要明確倉單質(zhì)押涉及到的貨物所有權(quán)轉(zhuǎn)移，以及物流企業(yè)對(duì)存貨安全性的擔(dān)保。3流程圖1、保兌倉融資模式—直接融資租賃出賣人（廠商），承租人，物流企業(yè)，租賃公司首先簽訂《貨物融資租賃合同》，以明確各自權(quán)利和責(zé)任。2、融通倉模式—售后回租承租人、物流企業(yè)、租賃公司首先簽訂《貨物融資租賃合同》，以明確各自權(quán)利和責(zé)任。藍(lán)色實(shí)線為物流方向，藍(lán)色虛線為資金流，紅色實(shí)線為單據(jù)傳遞。4兩種模式的關(guān)鍵點(diǎn)分析1、還款來源A、客戶要提供其與下游經(jīng)銷商或直接用戶的商品銷售合同。B、租賃公司可以向銀行提供貸款客戶的應(yīng)收賬款質(zhì)押或保理。C、客戶對(duì)其自己提貨逾期提供自有資產(chǎn)的擔(dān)保措施。D、廠商對(duì)逾期貨物提供回購擔(dān)保。2、優(yōu)勢(shì)分析A、對(duì)于下游買方（客戶）可以用銀行融資支付預(yù)付貨款，減少自有資金占用。售后回租業(yè)務(wù)模式中，客戶可以把貨物變現(xiàn)，加強(qiáng)企業(yè)自身現(xiàn)金流。此外，客戶可以在原材料銷售淡季買入存貨以達(dá)到降低成本，抵抗通貨膨脹影響。B、對(duì)于上游出賣方（廠商）可以提前確定銷售規(guī)模，提前回收資金，穩(wěn)定客戶關(guān)系，提高市場(chǎng)占有率。C、能夠?yàn)殂y行貸款找到良好的服務(wù)對(duì)象，大大減少了銀行的不良貸款風(fēng)險(xiǎn)。此外，租賃公司還可以為銀行做應(yīng)收賬款保理，應(yīng)收賬款質(zhì)押，擴(kuò)大了市場(chǎng)份額，拓展了業(yè)務(wù)范圍。D、為物流企業(yè)提供一個(gè)良好的供應(yīng)鏈循環(huán)，使其能夠在供應(yīng)鏈環(huán)節(jié)中發(fā)揮越來越重要的角色，能使整個(gè)供應(yīng)鏈快速發(fā)展。3、信用條件A、對(duì)于下游買方（客戶）符合國家產(chǎn)業(yè)政策，發(fā)展前景良好，或在合作銀行開設(shè)基本賬戶或一般結(jié)算賬戶；B、買方（客戶）有明確的銷售（賒銷）政策，并有完整有效的產(chǎn)品下游銷售合同，產(chǎn)品生產(chǎn)周期正常，提貨周期正常，有較好順暢的自有資金。C、客戶需要與上下游廠商保持良好的合作關(guān)系，有完整的交易記錄，且未發(fā)生過重大違約經(jīng)濟(jì)糾紛。D、客戶需要交納的申請(qǐng)材料：企業(yè)工商局登記證，企業(yè)機(jī)構(gòu)證明，納稅材料，完稅證明，企業(yè)法定代表人資料，主要股東個(gè)人信用記錄，近三年企業(yè)的財(cái)務(wù)報(bào)表，審計(jì)報(bào)表，驗(yàn)資報(bào)告等。E、上游賣方廠商原則上是國內(nèi)主流或行業(yè)主流企業(yè)，當(dāng)?shù)氐凝堫^企業(yè)，具有完整良好的信用記錄。F、物流企業(yè)自身具有強(qiáng)大的交通運(yùn)輸網(wǎng)，貨物運(yùn)輸能力，貨物驗(yàn)收能力，貨物監(jiān)管能力，完整良好的信用記錄，良好的自有資產(chǎn)為貨物做擔(dān)保。4、風(fēng)險(xiǎn)點(diǎn)分析以及應(yīng)對(duì)措施A，物流企業(yè)存貨風(fēng)險(xiǎn)廠商一旦將標(biāo)的貨物運(yùn)抵融資租賃公司指定的物流企業(yè)倉庫后，物流企業(yè)就要對(duì)此貨物驗(yàn)收，監(jiān)管，保護(hù)。因此物流企業(yè)的選擇是要達(dá)到一定良好的標(biāo)準(zhǔn)，就有良好的信用記錄以及一定規(guī)模的自有資產(chǎn)。一旦貨物遭到破壞，例如：消防不善，排水不善，防腐防霉不善，防盜不善。物流企業(yè)要能夠及時(shí)的補(bǔ)救，并算出損失，及時(shí)的向貨物的所有方做出賠償措施。國內(nèi)較大的物流企業(yè)有：中國物資儲(chǔ)運(yùn)總公司，中國遠(yuǎn)洋物流有限公司，中鐵物流科技股份有限公司等。（1）如果貨物由物流企業(yè)運(yùn)抵客戶指定地點(diǎn)，貨物抵達(dá)之前的損失風(fēng)險(xiǎn)全由物流企業(yè)承擔(dān)。（2）如果貨物由客戶親自執(zhí)融資租賃公司簽發(fā)的提貨單提貨，貨物裝車后的風(fēng)險(xiǎn)轉(zhuǎn)移給客戶。存貨的要求：（1）貨權(quán)清晰，為了保證融資租賃公司最終對(duì)貨物處置時(shí)沒有其他第三方主張權(quán)利，在進(jìn)行動(dòng)產(chǎn)抵質(zhì)押時(shí)需要對(duì)出質(zhì)人或抵押人提供的動(dòng)產(chǎn)權(quán)屬進(jìn)行認(rèn)定；（增值稅發(fā)票、貨運(yùn)發(fā)票）。（2）價(jià)格穩(wěn)定，價(jià)格波動(dòng)劇烈的商品不宜作為抵質(zhì)押物，一是增加盯市工作量，二是處置需要時(shí)間。（3）流動(dòng)性強(qiáng)，基礎(chǔ)原料，戰(zhàn)略物資，大宗物資，初級(jí)產(chǎn)品。B，違約風(fēng)險(xiǎn)受到一些人為或者天災(zāi)的影響，客戶不能夠按規(guī)定及時(shí)的交付貨款。所以融資租賃公司首先要和廠商簽訂回購協(xié)議，以對(duì)貨物提供回