创业贷款篇

3．创业贷款篇 Financing for Women Entrepreneurs

Financing

Do you need money to start or expand your business？

WESBCrs leading program addresses the distinctive financial circumstances and requirements of women entrepreneurs．

Loans to start，purchase，or expand a business venture in BC．

Loans up to＄100，000．

Lower security and equity requirements than traditional lenders．

Flexible repayment terms．

An opportunities to build and enhance your credit．

Benefits of WESBC Financing

WESBC is a business plan lender

Financing is based on the viability of your business plan，not just your credit rating．Preparing a sound business plan is a lot of work，and WESBC is here to help you get it right！

Flexible，Convenient Skillrs Training

WESBCrs Business beyond the Box Training can help you acquire the critical business and management skills you need to effectively carry out your business plan．Visit www．bbtb．ca．

Ongoing Support From the WESBC Team

Our loan clients receive ongoing counseling support from our highly trained business analysts．Whether you are facing a tough decision，cash flow challenges，or have had a record sales month and want to share your news with someone who will understand the significance of your achievement．．．your WESBC analyst is just a phone call away．

Who should use WESBCrs financing program？Enterprising women entrepreneurs who need financial capital to start，purchase or expand a business．．．and who want to benefit from the extensive support network you will have as a WESBC client．

How do you qualify？To be eligible for WESBCrs financing program，you must：

Be a Canadian citizen or landed immigrant．

Be a resident of British Columbia．

Own and control at least 51%of a business that is located in British Columbia．

Have a good business idea，supported by a realistic business plan and implementation strategy．

Have the required skills，talents and experience to successfully carry out your plan．

When you apply for a WESBC loan，you will need to have a few things in place：

A solid business plan．

Management knowledge and experience．

Equity contribution of at least 25%（cash and／or assets）．

Securable collateral of at least 30%．

Evidence of good＿credit＿management．

注　释：

BC＝British Columbia 不列颠哥伦比亚省，亦称英属哥伦比亚省，海外华人称为卑诗省——A province of western Canada bordering on the Pacific Ocean．It joined the confederation in 1871．The coastal area was first explored by Capt．James Cook in 1778．Victoria Island was a separate colony from 1849 until 1866，when it was combined with the mainland territory．Victoria is the capital and Vancouver the largest city．加拿大西部的一个省份，与太平洋毗邻，1871年加入（4省）联盟。1778年詹姆斯·库克船长首次在该海岸地区探险。从1849年直至1866年，维多利亚岛成为单独的殖民地，之后与大陆合并。维多利亚是首府，温哥华是最大的城市。

Box Training 封闭式培训。

Equity contribution of at least 25%（cash and／or assets）至少拥有25%的产权资本（现金和／或财产）。

Own and control at least 51%of a business 至少拥有并控制企业51%的股份。

Securable collateral of at least 30% 至少拥有30%的保险的抵押品。Who says money canrt buy happiness？

Business Financing for Women Entrepreneurs

Do you need money to start or expand your business？

Financing for Women Entrepreneurs

WESBCrs financing Program is designed to meet the unique circumstances of women－owned and controlled businesses．We invite you to contact us to learn about：

Loans of all sizes up to＄100，000．

Competitive interest rates．

Flexible repayment terms．

Opportunities to enhance your credit．

Need More？

WESBCrs professional resource team is here to help you start and grow a successful business，with：

Ongoing business counseling．

Business information．

Business training that takes you beyond the box，at www．bbtb．ca．

注　释：

cash flow 现金流转，现金流出量——The cash receipts or net income from one or more assets for a given period，reckoned after taxes and other disbursements，and often used as a measure of corporate worth．在特定的一段时间内来自一项或数项财产，扣除税收和其他支付金额外所得的现金收入或净收入，常用来衡量公司的价值。

collateral 抵押品，担保物，附属担保的——Serving to support or corroborate 用于支持或证实的。

Competitive interest rates 具有竞争力的利率。

credit rating 客户信贷分类，信用等级，信誉评价——An estimate of the amount of credit that can be extended to a company or person without undue risk．对能够无风险地给予某公司或个人的信贷数额的评估。

Flexible repayment terms 灵活的偿还条款。

lender 出借人，贷方，借钱，贷款——To provide （money）temporarily on condition that the amount borrowed be returned，usually with an interest fee．暂时提供（金钱），条件是须返还与所借数额相等的金钱，通常还要附带利息。

loan n．（借出的）贷款，借出；v．借，借给——A sum of money lent at interest．附利息借出的一笔钱。

Loans of all sizes up to＄100，000 各种类贷款高至10万美元。

Opportunities to enhance your credit 提升你的信誉的机会。

slogan 广告语，广告口号——A phrase used repeatedly，as in advertising or promotion．（广告或促销中）反复使用的短语。

广告语：

Who says money canrt buy happiness？

Your success is just a phone call away！

Words and Expressions

assets n．资产，财产

base on v．基于

BC British Columbia的缩写，不列颠哥伦比亚省，亦称英属哥伦比亚省，卑诗省

call away 改变思想，使转移开，排解（忧闷）

carry out 完成，实现，贯彻，执行

cash flow 现金流转，现金流出量

collateral n．抵押品，担保物，附属担保的

counseling n．（对个人、社会以及心理等问题的）咨询服务

credit n．信任，信用，声望，荣誉，（财务）贷方，银行存款

credit rating 客户信贷分类，信用等级，信誉评价

eligible adj．符合条件的，合格的，有资格的

entrepreneur n．（法）企业家，主办人

equity n．资产净值

equity contribution 产权资本的提供

financing n．筹措资金，理财，筹集资金，融资，财务，资金

implementation strategy 实施策略

interest rate 利率

landed immigrant 落地移民

learn about 学习

lender n．出借人，贷方，借钱，贷款

loan n．（借出的）贷款，借出；v．借，借给

resident n．居民

securable 保险的，安全的，可靠的

slogan 广告语，广告口号

solid adj．固体的，实心的，坚固的，结实的，立体的，可靠的，一致的，纯粹的

viability n．生存能力，发育能力

WESBC Womenrs Enterprise Society of BC的缩写，卑诗省妇女企业协会

beyond prep．在（到）…较远的一边，超过，那一边；adv．在远处；n．远处

Grammar Focus

例句：

1．Who should use WESBCrs financing program？

2．Who says money canrt buy happiness？

3．Do you need money to start or expand your business？

4．How do you qualify？

5．Need More？

本篇的主标题和次标题多采用疑问句形式，这是广告宣传写作的一种形式，旨在唤起共鸣，试图表达其提议、倡议、见解、观点、请求、邀请等概念。

在英语语法中，疑问句大多是倒装语序，Wrights广告中出现的“Whatrs the fashion news？Does your child sew？”也是以这种疑问句形式、倒装的语序撰写的广告标题／广告口号，这种问句形式的广告标题旨在引起受众的注意，达到推销／推荐其产品／服务／理念的目的。参看其他例句：

1．Can Head ＆Shoulders stop dandruff？Can Wilt Chamberlain stuff？（Head ＆Shoulders Shampoo的广告语）

2．Does it make sense to jump out of a warm bed into a cold cereal？（Quaker Oats的广告语）

3．Doesnrt your dog deserve ALPO？（ALPO Dog Food的广告语）

4．Has your girl turned into a refrigerator？If her air is arctic，try．．．MUM．（MUM Deodorant的广告语）

5．Have you ever had a bad time in Levirs？（Levirs Jeans的广告语）

6．In 1944you won the war together．Isnrt it worth ＄1．50to spend five minutes with him again？（Northwestern Bell Telephone Company的广告语）

7．Milk－Wherers your mustache？（National Fluid Milk Processor Promotion Board的广告语）

8．Shall the man work－or shall you？．．．Back of every great step in womenrs progress from a drudge to a free citizen has been some labor－saving invention．（General Electric Clothes Washer 1924年的广告语）

9．Whatrs the ugliest part of your body？（Pretty Feet Deodorant的广告语）

10．Where will you be when your laxative starts to work？（Phospho－Soda Buffered Laxative的广告语）

11．Wherers the beef？（Wendyrs Restaurants的广告语）

12．Why have low calories when you can have no calories？（Natrena的广告语）

13．Will you have time to do it all？（Maritime Museum的广告标题）

注　释：

arctic adj．北极的，极为寒冷的

dandruff n．头皮屑

deodorant n．除臭剂

drudge n．做苦工的人；vi．干苦力，做苦工；vt．强迫做苦工

Levirs Jeans 利维斯牛仔裤——A trademark used for close－fitting trousers of heavy denim．紧裹着腿的粗斜纹布厚裤子商标。

low calories 低卡路里（C：大卡、千卡，热量单位）

mustache n．胡子

Phospho－Soda Buffered Laxative 磷碳酸缓冲泻剂：Phospho－表示“磷的、含磷的”的意思；buffered表示“减轻的，缓冲的”；laxative是“轻泻剂，泻药”——A food or drug that stimulates evacuation of the bowels．促进排便的食物或药物。

Quaker Oats 贵格麦片（一种麦片的品牌名）

turn into 进入，（使）变成

Wilt Chamberlain 威尔特·张伯伦是美国著名的黑人篮球运动员，在1962年的一次比赛中一人独得100分。Head ＆Shoulders Shampoo的广告语：Can Head ＆Shoulders stop dandruff（头皮屑）？Can Wilt Chamberlain stuff？“stuff”在体育运动中意为“控球力”，指球员对球的控制力，尤指使球快速旋转、曲线行进或加速行进的能力。如果知道背景故事，掌握“stuff”的一词多义，就明白了这句广告语的意思。

Exercises

1．There are a lot of adjectives that we can find from

the above adverts．Your task is to：

（1）read the following adjectives；

（2）underline or write down what other words those

adjectives modify；

（3）make your own sentences in using these

adjectives．

Example：

good

good creditmanagement．

Good advertising moves people．

British_________________________________________

Canadian______________________________________

competitive____________________________________

convenient____________________________________

critical________________________________________

distinctive financial_____________________________

eligible________________________________________

extensive_______________________________________

financial________________________________________

flexible________________________________________

leading________________________________________

lower__________________________________________

ongoing________________________________________

professional____________________________________

realistic_______________________________________

required______________________________________

securable______________________________________

solid__________________________________________

sound_________________________________________

successful_____________________________________

tough________________________________________

traditional_____________________________________

unique________________________________________

2．Translate the following words／phrases into

Chinese．

assets_____________________

cash flow_____________________

credit rating_____________________

financing program_____________________

implementation strategy_____________________

interest rate_____________________

loan_____________________

lower security and equity requirements

repayment terms_____________________

3．Answer the questions．

（1）Whatrs the objective of the WESBCrs financing Program？

One of the possible answers：WESBCrs financing Program is designed to meet the unique circumstances of women－owned and controlled businesses．

（2）Who is qualified to use the WESBCrs financing program？

（3）Whatrs the total amount of the loans that WESBC could offer？

Answer：Loans up to＄100，000

（4）How to apply the loan？

（5）The loan could onlybe used in _______________．

4．Discussion and written work．

（1）Can money buy happiness？

（2）Did you ever ask the bank for a loan？What kind of loan and whatrs the interest rate？Explain the advantages and disadvantages of your adopted loan．

5．Make your own slogans or sentences．

Who语法上用做主语，后面紧跟动词（verb）：Who＋V．

Who＋V．

Who_____________________________________________

Your＋N．＋be just．．．

Your____________________________________________

．．．is designed to＋V．__________________________

．．．is here to＋V．______________________________

You need to＋V．_______________________________

．．．want to＋V．________________________________