(1)Savings account Savings accounts are accounts maintained by retail financial institutions that pay interest but can not be used directly as money (for example,by writing a cheque).These accounts let customers set aside a portion of their liquid assets while earning a monetary return. (at a bank against which hecks can be drawn by the account depositor or a bank account against which the depositor can draw checks that are payable on demand (3)bank account A printed record of the balance in a bank account and the amounts that have been paid into it and withdrawn from it,issued periodically to the holder of the account (4)a barter economy If property rights to consumption goods are insecure,the incentives to trade in a barter economy are reshaped.In a pure exchange economy, we examine the case where two contestable consumption goods are vital to two agents and initial endowments follow a binary distribution.In line with the existing literature,we examine in a two-stag ame how the equilibrium security of claims to property is determined.We find that. differe regime emerge,depending on the exogenous preference and appropriation effectiveness parameters:Peaceful coexistence and trade and appropriation,with the former regime strictly Pareto-dominating the latter regime. dents some questions about the conversations. 5.Ask the students to answer the questions in the book.Lead them to get the right answers and teach them some tips for the listening exercises. Step Four Oral Practice Explain the entence structures of making announcements and ask the students to do the Ex 2.Give them the following topics to discuss and then ask some students to give personal presentation. (1)Do you appreciate money in your daily life? (2 Can you conclude the function of moey? (3)Ca you evaluate the true value of money? Step Five Homework 1.Listen to the second announcement and try to retell it. 2.Ask the students to finish the"Home Listening"after class. VI.References L.《大学英语听说V》(学生用书)，虞苏美，李慧琴主编，上海：上海外语教育 出板社，2006 2.《大学英语听说V》(教师用书)，虞苏美，李慧琴主编，上海：上海外语教育 出版社，2006. 3.大学英语语法.薄冰主编.山西：山西教育出版社，2006. 4.大学英语实用语法讲解与练习.任福洪等主编.北京：国防工业出版社，2004 5.牛津高阶英汉双解词典（第六版），牛津大学出版社，2004.(1)Savings account Savings accounts are accounts maintained by retail financial institutions that pay interest but can not be used directly as money ( for example, by writing a cheque). These accounts let customers set aside a portion of their liquid assets while earning a monetary return. (2)checking account An account at a bank against which checks can be drawn by the account depositor or a bank account against which the depositor can draw checks that are payable on demand (3)bank account A printed record of the balance in a bank account and the amounts that have been paid into it and withdrawn from it, issued periodically to the holder of the account (4)a barter economy If property rights to consumption goods are insecure, the incentives to trade in a barter economy are reshaped. In a pure exchange economy, we examine the case where two contestable consumption goods are vital to two agents and initial endowments follow a binary distribution. In line with the existing literature, we examine in a two-stage game how the equilibrium security of claims to property is determined. We find that, in equilibrium, two different regimes emerge, depending on the exogenous preference and appropriation effectiveness parameters: Peaceful coexistence and trade and appropriation, with the former regime strictly Pareto-dominating the latter regime. 3. Play the tape recorder for the students. 4. Ask the students some questions about the conversations. 5. Ask the students to answer the questions in the book. Lead them to get the right answers and teach them some tips for the listening exercises. Step Four Oral Practice 1. Explain the sentence structures of making announcements and ask the students to do the Exercise. 2. Give them the following topics to discuss and then ask some students to give personal presentation. (1) Do you appreciate money in your daily life? (2) Can you conclude the function of money? (3) Can you evaluate the true value of money? Step Five Homework 1. Listen to the second announcement and try to retell it. 2. Ask the students to finish the “Home Listening” after class. VI. References 1.《大学英语听说 IV》（学生用书），虞苏美，李慧琴主编，上海：上海外语教育 出版社，2006. 2.《大学英语听说 IV》（教师用书），虞苏美，李慧琴主编，上海：上海外语教育 出版社，2006. 3.大学英语语法. 薄冰 主编. 山西：山西教育出版社，2006. 4. 大学英语实用语法讲解与练习. 任福洪等主编. 北京：国防工业出版社，2004. 5. 牛津高阶英汉双解词典（第六版）. 牛津大学出版社，2004