1. The listening and speaking part focuses on the establishment and operation of personal credit system in Chinese social life. Students can get more information about social credit by reading the passage of “Do You Know” and by listening to the conversation given.

2. In the vocabulary learning part, students will read a leaflet about finance management tips for freshmen. Useful expression swill help students think and voice their opinions on how to manage finances and maintain a good social credit record.

Teaching objectives & Core Competencies and Values for students

1. Help the students further develop listening ability by getting key information from listening materials and tasks given on Page 42.

2. Lead the students to learn useful words and expressions about finance management and social credit.

3. Lead the students to effectively express themselves about how to manage finances and maintain a good social credit record.

Teaching focuses

1. Help the students improve the listening ability by listening and doing tasks given.

2. Guide students to share their ideas about how to manage finances and maintain a good social credit record.

Teaching procedure

Step 1. Pre-listening (5mins)

Before listening, read the passage about social credit and answer the following three questions.

1) What is credit?

2) How is a peson‘s creditworthiness judged in different times?

3) Besides what are mentioned in the passage, what other activities can you think of will affect your future creditworthiness?

Step 2. (Activity 5 ) Listening (3mins for listening +2mins for checking and explanation)

Listen to the conversation and choose the topics discussed in the chatting.

A. The tips to book a good hotel.

B. The importance of being creditworthy.

C. The origin of the credit system.

D. The benefits of a social credit system.

E. The cost of having a bad social credit record. （Answer: BDE）

Step 3. (Activity 6-1) Listen to Part I and complete the paragraph. (2mins for listening +2mins for checking )

I have been 1_______________ on time, returning books to the library 2 ______________. and using 3___________ properly. As a reward, we didn’t have to pay a deposit when 4 __________ during our trip to Hangzhou. The hotel is very nice, and it’s quite near the West Lake. This is just one of the many benefits of the social credit system which enables 5 _____________________ to enjoy a more convenient life 6 ___________________.

Answer:

1. paying credit card bills

2. in a good condition without delay

3. the shared bicycle

4. we checked in at a hotel

5. people with good social credit

6. at a lower cost

Step 4. (Activity 6-2) Listen to Part II and answer the following questions. (1mins for listening +3mins for speaking )

①	What was the man prohibited from doing and why?
②	What restrictions are mentioned that are caused by a bad social credit record?
③	What could the social credit system contribute to?

Possible Answers:

1) He was prohibited from renting an expensive car because the credit system showed that he was a laolai.

2) Apart from renting expensive cars, they may also find it hard to buy flight tickets or tickets for high-speed rail services, among other things.

3) The social credit system is an encouragement to those who can be relied upon to do the right thing, and the system is an effective way to build a friendly, honest and safe society.

Step 5. (Activity 7) Posting listening (3mins)

Have the students master some expressions about how to ask for clarification, clarify themselves or state advantages.

1 How did that happen?	6 How is that so?
2 What’s that?	7 What does that mean?
3 Could you tell me more about it?	8 It means...
4 Let me explain.	9 It’s definitely an encouragement to...
5 It enables ...	10 ... an effective way to...
Asking for clarification: 1/ 2/ 3/ 6/ 7
Clarifying: 4/ 8
Stating advantages: 5/ 9/ 10

Step 6. (Activity 8) Finance management tips for freshmen(12mins)

Question for prediction:

What financial difficulties may freshmen run into?

2. Read the leaflet and answer the questions according to the leaflet.

1) What suggestions are given to help students save money?

Answer: Find the banking services that meet your needs and will help you save money. Save a small amount of money each week from now on, and increase it each month.

2) What do you need to pay attention to when spending money?

Answer: Be careful when opening your first credit card account. Look for a card with good benefits and no annual fees. Always make payments on time. Make rational spending choices and never exceed your agreed credit limit. Avoid luxuries so that you don’t go into debt.

3) Why do you need to bear in mind when making extra money?

Answer: Make sure it doesn’t interfere with your studies, and pay any tax as required by law.

Step 7. (Activity 9) Focus on vocabulary

1. Match the words and expressions learned in the leaflet to their meanings

1 ____________: the amount of money needed or available for certain purposes

2 ____________: to have enough money to buy what you need to live

3 ____________: to be out of debt or financial difficulty

4 ____________: money paid to the government, usually a percentage of personal income or of the cost of goods

5 ____________: to accumulate the quality of being creditworthy

6 ____________: the maximum amount of money that may be borrowed under a credit arrangement

7 ____________: to get into the state of owing money

8 ____________: costs automatically charged once a year to your credit card account

9 ____________: the amount of money charged by a bank when you borrow money, or paid to you when you keep money in an account

1 budget:	6 agreed credit limit:
2 make ends meet:	7 go into debt:
3 stay afloat:	8 annual fee:
4 tax:	9 interest:
5 build credit:

2. Think about other words and expressions associated with managing personal finance.

Step 8. (Activity 10) Discussion

Work in groups and make suggestions on how to manage your finances and maintain a good social credit record.

Step 9. Homework

Design a leaflet on the topic of how to manage personal finances and maintain a good social credit record for high school students based on what have been learned in class. Use as many words and expressions mentioned above as possible.