(点击右边三个点，可调整速度，电脑上可下载)

Dialog 1:

F: we talked about the advantages and disadvantages of a commercial bank.

M: the biggest advantage seems to be in the relationship angle.

F: right, building a strong relationship

M: and the main disadvantage is the high cost of borrowing money.

F: but that all depends on the terms of the loan.

M: The important thing to me is to reduce my exposure to risk.

F: You don't want to be left hanging on the line.（陷于困境）

M: No, I want to meet my financial obligations.

Q: what is important to Mr. Crein

A: reduce his exposure to risk

Dialog 2:

Fixed rate loans(固定利率贷款)，floating rate loans( 浮动利率贷款)

F：I go with (opt for) the fixed rate loan.

M: I agree, the floating rate is too much a gamble.

F: Too much can happen you cann’t control.

M: I want to know how much I have to pay.

F: and how long you will be obligated.(了解承担债务的期限)/how long you want the loan for

M: That depends on the paydown(n,即期付款，每次付款的金额/down payment，首付)),I suppose.

F :And you have to consider what currency do you want the loan in.

M: Let’s not get into that now.(先别考虑这个)

Q: what rate does the customer prefer?

A: fixed one.

Dialog 3:

Securities(证券),

F: Let’s talk about the pros and cons of an investment bank.

M: I’m still leaning towards( =prefer) a commercial bank.

F: A commercial bank structures (组织，动词) a loan they can live with(能承受).

M: and I can pay down.（ 动词，当期付款，pay back the loan,还清欠款）

F: and an investment bank structures a security to sell to investors.

M: you mean like stocks or bonds?

F: Right. They sell these securities to investor such as venture capitalists.(风险投资家)

M: so their risk is spread out.

Q: What does an investment bank do with a loan

A: they sell it to someone else.

Small talks表示失望)

――well,to tell you the truth, I’m disappointed with(in) it