What Caused The Financial Crisis？I think we can sum up the cause of our current economic crisis in one word — GREED. Over the years，mortgage lenders were happy to lend money to people who couldn’t afford their mortgages. But they did it anyway because there was nothing to lose. These lenders were able to charge higher interest rates and make more money on sub-prime loans. If the borrowers default，they simply seized the house and put it back on the market. On top of that，they were able to pass the risk off to mortgage insurer or package these mortgages as mortgage-backed securities. Easy money！and what went wrong with our financial system？The whole thing was one big scheme. Everything was great when houses were selling like hot cakes and their values go up every month. Lenders made it easier to borrow money，and the higher demand drove up house values. Higher house values means that lenders could lend out even bigger mortgages，and it also gave lenders some protection against foreclosures. All of this translates into more money for the lenders，insurers，and investors. Unfortunately，many borrowers got slammed when their adjustable mortgage finally adjusted. When too many of them couldn’t afford to make their payments，it causes these lenders to suffer from liquidity issue and to sit on more foreclosures than they could sell. Mortgage-backed securities became more risky and worth less causing investment firms like Lehman Brothers to suffer. Moreover，insurers like AIG who insured these bad mortgages also got in trouble. The scheme worked well，but it reverses course and is now coming back to hurt everyone。望采纳！
简单的讲就是：与商务有关的英语 + 基本的商务知识。现在的实际是：与产品出口有关的英语 + 基本商务知识一、从课程方面来看主要的：英语函电、国际商务英语、国际贸易实务、经贸资刊。二、实际学习的内容重点：（1）与出口业务有关的过程，包括：询盘，还盘，磋商和签定合同（英文），制作：装箱单，发票，理解：保险单，提单等。（2）常见的国际贸易形式，如：代理，投标，拍卖和电子商务等。（3）熟悉出口业务中，常见的词汇。如：B/L,L/C,Inquiry.（4）能用英文交流，明白其中所涉及的英文含义，其中包括，邮件、电话、面对面等多种方式。推荐你去学enging电话英语，上述内容都会让你轻松掌握。
其实我也在准备BEC-Higher。想考BEC，首先我们要弄清楚：BEC（商务英语）是以工作场合为背景的与商务相关的英语语言，是为了方便商务中交流的。BEC考试分四个部分：阅读、写作、听力、口语，也就是考查大家的听、说、读、写.。相信你也看过BEC的分数和成绩标准：BEC高级分为4个部分加起来总分120分，每部分为30分。考生等级以4个部分所得的总分为基础，等级分为A、B、C、D、E，A为最优成绩，至少达到C才能算过。这四个部分可以分开来训练，但训练过程中最好有本词汇在，这是语言学习的基础。一、阅读：首先我们要了解到，BEC里的阅读材料都是选自：报纸、商业杂志、商务邮件、书籍、传单及商品手册等与日常工作相关的文献。这样我们就大缩小了阅读训练的范围，平时可以有选择性的看相关的书。要强调的是，阅读考试篇幅都比较长，要养成快速阅读的习惯。二、写作：分两部分：1.根据示意图写一篇短小的报告（120~140字）。2.选择写一篇商务函件、一篇短小的报告或一份建议书（200~250字）。建立考前背一些好的例文，最好是能总结出一些好的写作模版。三、听力体裁取自各种来源不同的听力录音，包括访谈、面对面的交谈及纪录片，都与商务相关。可以做几套真题，先不看测试题，然后反复的听，开始不需要每个单词都听的很清楚，反复听几遍后，就大致知道说的什么了，我是连续听了五遍才知道大致讲的什么的。四、口语如果有一起考的同学，可以找个搭档一起练，大家可以想好几个话题，然后一起讨论，最好规定一个发言时间，让双方都有发言的机会。上面是一些小建议，希望对你有帮助。
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