3．創(chuàng)業(yè)貸款篇 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．．．a(chǎn)nd 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　釋：

BC＝British Columbia 不列顛哥倫比亞省，亦稱英屬哥倫比亞省，海外華人稱為卑詩(shī)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．加拿大西部的一個(gè)省份，與太平洋毗鄰，1871年加入（4?。┞?lián)盟。1778年詹姆斯·庫(kù)克船長(zhǎng)首次在該海岸地區(qū)探險(xiǎn)。從1849年直至1866年，維多利亞島成為單獨(dú)的殖民地，之后與大陸合并。維多利亞是首府，溫哥華是最大的城市。

Box Training 封閉式培訓(xùn)。

Equity contribution of at least 25%（cash and／or assets）至少擁有25%的產(chǎn)權(quán)資本（現(xiàn)金和／或財(cái)產(chǎn)）。

Own and control at least 51%of a business 至少擁有并控制企業(yè)51%的股份。

Securable collateral of at least 30% 至少擁有30%的保險(xiǎn)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　釋：

cash flow 現(xiàn)金流轉(zhuǎn)，現(xiàn)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．在特定的一段時(shí)間內(nèi)來(lái)自一項(xiàng)或數(shù)項(xiàng)財(cái)產(chǎn)，扣除稅收和其他支付金額外所得的現(xiàn)金收入或凈收入，常用來(lái)衡量公司的價(jià)值。

collateral 抵押品，擔(dān)保物，附屬擔(dān)保的——Serving to support or corroborate 用于支持或證實(shí)的。

Competitive interest rates 具有競(jìng)爭(zhēng)力的利率。

credit rating 客戶信貸分類，信用等級(jí)，信譽(yù)評(píng)價(jià)——An estimate of the amount of credit that can be extended to a company or person without undue risk．對(duì)能夠無(wú)風(fēng)險(xiǎn)地給予某公司或個(gè)人的信貸數(shù)額的評(píng)估。

Flexible repayment terms 靈活的償還條款。

lender 出借人，貸方，借錢，貸款——To provide （money）temporarily on condition that the amount borrowed be returned，usually with an interest fee．暫時(shí)提供（金錢），條件是須返還與所借數(shù)額相等的金錢，通常還要附帶利息。

loan n．（借出的）貸款，借出；v．借，借給——A sum of money lent at interest．附利息借出的一筆錢。

Loans of all sizes up to＄100，000 各種類貸款高至10萬(wàn)美元。

Opportunities to enhance your credit 提升你的信譽(yù)的機(jī)會(huì)。

slogan 廣告語(yǔ)，廣告口號(hào)——A phrase used repeatedly，as in advertising or promotion．（廣告或促銷中）反復(fù)使用的短語(yǔ)。

廣告語(yǔ)：

Who says money canrt buy happiness？

Your success is just a phone call away！

Words and Expressions

assets n．資產(chǎn)，財(cái)產(chǎn)

base on v．基于

BC British Columbia的縮寫，不列顛哥倫比亞省，亦稱英屬哥倫比亞省，卑詩(shī)省

call away 改變思想，使轉(zhuǎn)移開(kāi)，排解（憂悶）

carry out 完成，實(shí)現(xiàn)，貫徹，執(zhí)行

cash flow 現(xiàn)金流轉(zhuǎn)，現(xiàn)金流出量

collateral n．抵押品，擔(dān)保物，附屬擔(dān)保的

counseling n．（對(duì)個(gè)人、社會(huì)以及心理等問(wèn)題的）咨詢服務(wù)

credit n．信任，信用，聲望，榮譽(yù)，（財(cái)務(wù)）貸方，銀行存款

credit rating 客戶信貸分類，信用等級(jí)，信譽(yù)評(píng)價(jià)

eligible adj．符合條件的，合格的，有資格的

entrepreneur n．（法）企業(yè)家，主辦人

equity n．資產(chǎn)凈值

equity contribution 產(chǎn)權(quán)資本的提供

financing n．籌措資金，理財(cái)，籌集資金，融資，財(cái)務(wù)，資金

implementation strategy 實(shí)施策略

interest rate 利率

landed immigrant 落地移民

learn about 學(xué)習(xí)

lender n．出借人，貸方，借錢，貸款

loan n．（借出的）貸款，借出；v．借，借給

resident n．居民

securable 保險(xiǎn)的，安全的，可靠的

slogan 廣告語(yǔ)，廣告口號(hào)

solid adj．固體的，實(shí)心的，堅(jiān)固的，結(jié)實(shí)的，立體的，可靠的，一致的，純粹的

viability n．生存能力，發(fā)育能力

WESBC Womenrs Enterprise Society of BC的縮寫，卑詩(shī)省婦女企業(yè)協(xié)會(huì)

beyond prep．在（到）…較遠(yuǎn)的一邊，超過(guò)，那一邊；adv．在遠(yuǎn)處；n．遠(yuǎn)處

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？

本篇的主標(biāo)題和次標(biāo)題多采用疑問(wèn)句形式，這是廣告宣傳寫作的一種形式，旨在喚起共鳴，試圖表達(dá)其提議、倡議、見(jiàn)解、觀點(diǎn)、請(qǐng)求、邀請(qǐng)等概念。

在英語(yǔ)語(yǔ)法中，疑問(wèn)句大多是倒裝語(yǔ)序，Wrights廣告中出現(xiàn)的“Whatrs the fashion news？Does your child sew？”也是以這種疑問(wèn)句形式、倒裝的語(yǔ)序撰寫的廣告標(biāo)題／廣告口號(hào)，這種問(wèn)句形式的廣告標(biāo)題旨在引起受眾的注意，達(dá)到推銷／推薦其產(chǎn)品／服務(wù)／理念的目的。參看其他例句：

1．Can Head ＆Shoulders stop dandruff？Can Wilt Chamberlain stuff？（Head ＆Shoulders Shampoo的廣告語(yǔ)）

2．Does it make sense to jump out of a warm bed into a cold cereal？（Quaker Oats的廣告語(yǔ)）

3．Doesnrt your dog deserve ALPO？（ALPO Dog Food的廣告語(yǔ)）

4．Has your girl turned into a refrigerator？If her air is arctic，try．．．MUM．（MUM Deodorant的廣告語(yǔ)）

5．Have you ever had a bad time in Levirs？（Levirs Jeans的廣告語(yǔ)）

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

7．Milk－Wherers your mustache？（National Fluid Milk Processor Promotion Board的廣告語(yǔ)）

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年的廣告語(yǔ)）

9．Whatrs the ugliest part of your body？（Pretty Feet Deodorant的廣告語(yǔ)）

10．Where will you be when your laxative starts to work？（Phospho－Soda Buffered Laxative的廣告語(yǔ)）

11．Wherers the beef？（Wendyrs Restaurants的廣告語(yǔ)）

12．Why have low calories when you can have no calories？（Natrena的廣告語(yǔ)）

13．Will you have time to do it all？（Maritime Museum的廣告標(biāo)題）

注　釋：

arctic adj．北極的，極為寒冷的

dandruff n．頭皮屑

deodorant n．除臭劑

drudge n．做苦工的人；vi．干苦力，做苦工；vt．強(qiáng)迫做苦工

Levirs Jeans 利維斯牛仔褲——A trademark used for close－fitting trousers of heavy denim．緊裹著腿的粗斜紋布厚褲子商標(biāo)。

low calories 低卡路里（C：大卡、千卡，熱量單位）

mustache n．胡子

Phospho－Soda Buffered Laxative 磷碳酸緩沖瀉劑：Phospho－表示“磷的、含磷的”的意思；buffered表示“減輕的，緩沖的”；laxative是“輕瀉劑，瀉藥”——A food or drug that stimulates evacuation of the bowels．促進(jìn)排便的食物或藥物。

Quaker Oats 貴格麥片（一種麥片的品牌名）

turn into 進(jìn)入，（使）變成

Wilt Chamberlain 威爾特·張伯倫是美國(guó)著名的黑人籃球運(yùn)動(dòng)員，在1962年的一次比賽中一人獨(dú)得100分。Head ＆Shoulders Shampoo的廣告語(yǔ)：Can Head ＆Shoulders stop dandruff（頭皮屑）？Can Wilt Chamberlain stuff？“stuff”在體育運(yùn)動(dòng)中意為“控球力”，指球員對(duì)球的控制力，尤指使球快速旋轉(zhuǎn)、曲線行進(jìn)或加速行進(jìn)的能力。如果知道背景故事，掌握“stuff”的一詞多義，就明白了這句廣告語(yǔ)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語(yǔ)法上用做主語(yǔ)，后面緊跟動(dòng)詞（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．________________________________