business plan範本的問題，透過圖書和論文來找解法和答案更準確安心。 我們找到下列懶人包和總整理

財務英文(增篇加值版)

為了解決business plan範本的問題，作者小林薰,伊藤達夫,山本貴啟 這樣論述：

　　會計制度國際化的趨勢下，目前台灣以英文來表達公司的財務狀況或閱讀英文財務資訊已成為趨勢，因此對國際商務人士或從事財務領域相關工作的上班族而言，與外國人溝通的場合是無法避免的。 　　此時除了基本的英文溝通能力外，如何以精確的英文來表達公司的經營與財務狀況就非常重要！ 　　本書含括： 　　★會計財報 / 企業經營 / 金融理財 / 業務行銷 等領域的專業英文 　　★隨翻隨用200個立即上手財務用語！ 　　★收錄IFRSs國際財務報導準則範本 　　★加值：金融市場與總體經濟 本書特色 　　◎ 從基礎到專業，壯大財務英文表達力，決定你的影響力！ 　　從基本的公司業務內容

相關數字表達，到專業的會計財務、股票債券、稅務等範疇，精心規劃出 75 個必備財經主題。每課主題清楚，要用隨時找得到。 　　※Keyword關鍵字範例/句※ 　　＜例＞市占率（market share） 　　‧我們的市占率如下：A 產品，20%；B 產品，30%；整體而言，23%。 　　‧Our market shares are as follows: Product A, 20 percent; Product B, 30 percent; and overall, 23 percent. 　　＜例＞投資報酬率：ROI (return on investment) 　　‧我們的長程計畫

建立在投資報酬率 10% 的假設上。 　　‧Our long-range plan is based on an assumed ROI of 10 percent. 　　＜例＞股東權益報酬率：ROE (return on equity) 　　‧我們的股東權益報酬率是 13 %，比日本產業平均值高了 2 個百分點。 　　‧Our ROE is 13 percent, which is 2 percentage points higher than the Japanese industry average. 　　＜例＞呆帳 (bad debts)、沖銷 (write off) 　　‧金額達

50 萬美元的呆帳以備抵壞帳沖銷了。 　　‧Bad debts amounting to US＄ 500,000 were written off against the allowance for doubtful accounts. 　　◎ 財務術語秒上手✕關鍵字同時到位＝最專業的財經英文寶典！ 　　每課列出最常用的 2～3 個財務用語，並搭配例句及詳細補充說明，讀者能立即派上用場。 　　歸納主題相關詞彙與中譯，教你看懂巨擘企業的財報。 　　＜例＞ 　　‧current assets 流動資產 　　‧notes receivable 應收票據 　　‧cash equivalents

約當現金 　　‧retained earnings 保留盈餘 　　‧contingent liabilities 或有負債 　　～ 重磅加碼學習 ～ 　　特邀高點財管投資名師張永霖老師執筆＜加值篇＞ 　　針對金融市場與經濟概況提供鞭辟入裡的觀念釐清和必備英文術語，側重整體系統化體系之建構，並輔以中英對照，提供讀者雙面向學習，透過中文吸收重要概念，同時汲取關鍵語句之英文寫法。 　　更多即時更新訊息請造訪貝塔官網 www.betamedia.com.tw  

托福滿分範文120篇精講

為了解決business plan範本的問題，作者北京新東方研發中心 這樣論述：

精選託福寫作考試的常考題目，由經驗豐富的託福寫作教師精心編寫，涵蓋教育、工作、生活、科技、社會等七大類託福作文話題，提供了120篇範文，並對每篇範文進行了深度分析，從多個角度、全方面展現了託福寫作的各種論證技巧，且在文章結構、段落結構、句型結構以及用詞方面都具有多樣化的特色，幫助考生開拓思路，掌握寫作技巧，提高寫作能力。每篇範文的講解後面還配有對應的練習，讓考生鞏固所學，輕鬆應對託福寫作考試。 北京新東方研發中心：新東方教育科技集團下屬的研發機構，將資訊技術與教學內容相結合，研發專案包括教學內容研發、教學系統研發和教學產品研發。憑藉豐富的教學經驗和對各類考試的精准把握，依託

於語料庫技術和自然語言處理技術，同時參考測試學和二語習得的相關理論，所研發的輔導用書充分體現各類考試的命題規律和趨勢，實用高效。 第一章 教育學習篇 第一節 學生行為 1. Students could receive a better, more efficient education if they spend 11 months a year studying. 2 2. One of the best ways that parents can help their teenage children prepare for adult life is to enco

urage them to take part-time jobs. . 5 3. All university students should be required to take history courses no matter what field they study in. 8 4. Younger school children (aged five to ten) should be required to study art and music in addition to math, language, science and history. 11 5. Student

s should spend a year to travel or to work before their go to college or university. 14 6. Children should spend all their time on studying and playing, and they shouldn’t be required to help family with household chores, such as cooking etc. 17 7. Group study is more effective than studying alone.

19 8. It is as important for students to read books of their own choosing as it is for them to read books assigned to them by teachers. 22 9. Students who keep their rooms neat and organized are more successful than those who do not. 25 10. Students are more influenced by their teachers than by thei

r friends. 28 11. If your teacher says something incorrect in a class, what will you do? 31 12. Some students prefer to have their final grades determined by numerous small assignments, whereas others prefer to have their final grades determined by only a few large ones. Which one do you prefer? 33

13. Students can benefit just as much from extracurricular activities as they can from attending classes. 37 14. Children rely too much on the technology, like computers, smart phones, video games for fun and entertainment. Playing simpler toys or playing outside with friends would be better for chi

ldren’s development. 40 15. It is better to choose a university whose graduates have good job opportunities than a university who has famous professors. 43 第二節 家長行為 16. If parents want their children to perform well in school, they should limit the hours that their children spend watching TV. 46 17.

Most of parents sometimes find disapproval of the ways teachers are teaching their students. It is not suggested for the parents to express their disapproval to the teachers. 50 18. Parents should help children do their work rather than encouraging them to do the work on their own. 53 19. Parents s

hould allow their children to make mistakes and let them learn from their own mistakes. 56 20. The things your family teaches you are the most important things you learn. 59 第三節 教師行為 21. Teachers’ performance should be evaluated by students rather than by other teachers. 62 22. The main role of a un

iversity professor is to educate students rather than to do research. 64 23. Some people think teachers giving time to students during discussions in class will help them to learn. Others think it unnecessary to give students time to discuss in class. What is your opinion? 67 第四節 學校行為 24. Colleges o

r universities should offer students more preparation before they start working. 70 25. Some universities require students to take classes in many subjects. Other universities require students to specialize in one subject. Which do you think is better? 73 26. In order to attract good students, unive

rsities should spend money in social activities. 76 27. The most important investment that can be made to the education of children aged four to seven is to give them computers. 80 28. The most important goal of education is to help people to educate themselves. 83 29. Universities should spend more

money improving facilities, such as libraries, computer labs, than hiring famous teachers. 86 30. Schools have always offered students three types of after-school activities. But due to recent limited budgets, they can only support one kind of activities. Which one would you choose? Why? 89 第二章 職業

工作篇 第一節 個體行為 31. It is better to take a secure job with a low pay than to take a job with a high pay but little security. 94 32. Working at home using computers or telephones is better than working in the office. 97 33. To remain happy and optimistic when you fail is more important than achieving su

ccess. 100 34. People should take several different kinds of job before they take a career in a long term. 103 35. Which one would you prefer, working 3 days a week with long hours or working 5 days a week with short hours? 106 36. People who cannot accept criticism will not succeed working in teams

. 109 37. In order to succeed in doing a new job, the ability to adapt oneself to the new environment is more important than the excellent knowledge of this job. 112 38. It is important to make sure that others (influential people or potential employers) know about your strengths and accomplishments

； if you are not so, you will be never successful in life. 115 39. People who have learned many different skills are more likely to succeed than those who focus on learning only one skill. 119 40. Most business people are only motivated by the desire of money. 122 41. People should take time to rela

x with hobbies or physical activities that are very different from what they do at work. 125 42. In order to succeed, you should be more like others than be different from everyone else. 128 第二節 公司行為 43. It is better for a company to have employees who do as they are told than employees who think of

their own ideas. 131 44. An effective leader should try to let other feel that they are a part of decision-making. 134 45. For any business to be successful, it must spend a lot of money on advertising. 137 46. The most important investment for a big company is to improve the efficiency and compete

nce of its employees. 140 47. A leader should have strong opinions and not change his/her mind about those opinions. 143 48. The most important quality for a politician or leader to have is good communication skills. 146 49. Some people think companies should use public recognition to reward hard wo

rk, but others recommend using money to reward hard work. What do you think? 150 50. One quality that a successful leader must have is to make decisions quickly； when a leader takes too much time to make decisions, he will be seen as ineffective to the people he leads. 152 51. Advertisements are a w

aste of company’s money and energy because consumers know what they want to buy. 155 第三章 日常生活篇 第一節 運動健康 52. Playing sports teaches people more lessons about life. 160 53. Physical exercise is much more important for the old than the young. 163 54. Which one would you prefer to regulate in order to

improve your health out of the following three things? 166 第二節 行為習慣 55. It is important that we know about the events happening around the world though they do not affect our lives. 169 56. People today would be happier if they had fewer possessions. 172 57. When people celebrate a special event, su

ch as graduation or a special party, some of them prefer a large party with lots of people, while others prefer a small party with only a few close friends and family members. Which kind of party do you prefer? 175 第三節 購物消費 58. When a new technological devices become available. Some people buy it ri

ght away, while others will wait until many have acquired it. Which view do you agree with? Provide your answer with detailed explanation. 177 59. Spending money on traveling is better than saving money for future use. 180 60. People should buy things made in their own country, even when the price i

s higher than same things made somewhere else? 183 61. It is always better to purchase in large stores than in several small shops that specialize in different items. 186 62. When making major purchase(for example, a car or a laptop), our decisions can be influenced by different sources of informati

on. Explain how each of the following sources of information can influence your decision. 188 第四節 娛樂休閒 63. It is better to relax by watching a movie or reading a book than doing physical exercises. 191 64. The best way to truly relax and reduce stress is to spend time alone. 194 65. Which do you thi

nk contributes to an enjoyable vacation? Please select one of three options. 197 66. If people are on vacation/holiday, they should leave their mobile phones at home. 200 67. Some people prefer to travel to foreign countries, while others like to travel in their own countries. Which one do your pref

er? 203 68. It is more fun to see a movie in the cinema with other people than see a movie at home. 206 第五節 社交友誼 69. The way of a person’s dress is an indication of his/her personality or character. 209 70. We can learn about a person from the books and movies that a person likes. 212 71. Your job h

as more effects on your happiness than your social life does. 215 72. Competition between friends usually negatively impacts friendships. 218 73. It is impossible to be completely honest with our friends. 221 74. It is better for people to have friends who are intelligent than to have friends who ha

ve a good sense of humor. 224 75. It is often not good for people to move to a new town or country, because you may lose old friends. 227 第六節 性格品質 76. Some people always follow their dreams even if the dreams are ambitious. Some think we should focus on achieving realistic goals. Which one do you ag

ree with? 230 77. There is never a good reason to be impolite (rude) to another person. 233 第四章 社會話題篇 78. To increase economic growth, the government should neglect environment concerns. 238 79. Governments should focus its budget more on art museums and concert halls than on recreational facilitie

s, such as swimming pools and playgrounds. 241 80. Governments should spend more money in sponsoring arts than in athletics. 244 81. It is more important for the government to spend money on improving Internet access than on public transportation. 247 82. The government should spend money on buildin

g modern houses rather than renovating historical buildings or traditional homes. 250 83. It is more important for a government to spend money on young children’s education than on university education. 254 84. The only effective way to encourage energy conservation is to increase prices of gasoline

and electricity. 257 85. People can solve important problems by themselves or with the help from their family members so there’s no need for the government to help them. 260 86. The rules that the society today requires young people to follow and obey are too strict. 263 87. Governments should supp

ort scientific research with no practical value. 266 88. The government is not educating people enough about the importance of good and healthy lifestyle. 269 89. Governments, instead of individuals, should cover Internet fees. 272 90. The best way to improve the quality of education in a country is

to increase teachers’ salaries. 274 91. During an economic crisis, governments usually reduce spending on certain public services. Which area do you think the government should reduce spending on? 277 第五章 社會變遷篇 第一節 今昔對比 92. In twenty years, there will be fewer cars in use than in today. 282 93. Fo

od we eat today is much healthier than the food we ate in the past. 285 94. It is easier for people nowadays to become educated than in the past. 288 95. Young people today are less dependent on parents than in the past. 292 96. It is easier to raise children for parents today than those in the past

. 295 97. In 20 years from now on, students will not use printed books anymore. 298 98. Parents do not understand their children as much as well as did 50 years ago. 301 99. Nowadays, people are more than willing to help people who they don’t know. (For example, giving food and clothes to the people

who need them) than they were in the past. 304 100. Teachers are appreciated and valued nowadays not as much as they were before. 307 101. It is easier to achieve success in the past than it is today. 310 102. People in the past are more interested in improving their neighborhood than now. 313 103.

Nowadays it is easier to maintain good health than in the past. 317 104. As modern life becomes more complex, it is essential for young people to have the ability to plan and organize. 320 第二節 城鄉對比 105. People who live in big cities can take care of their family members better than those in the cou

ntryside. 323 106. Compared with people in the village, those who move to the city are more satisfied with their lives. 326 第六章 科技發展篇 107. Scientists should be responsible for negative impacts of their discoveries. 330 108. Technology designed to make our life simpler actually makes our life more c

omplicated. 333 109. The telephone has greater influence on people’s lives than television has. 336 110. Scientists have been working to make technology easier and more human-friendly. How do you think technology has affected our lives? 339 111. People can learn more from watching TV than from readi

ng books. 342 112. Movies and television exert more negative effects than positive effects on young people’s behaviors. 345 113. People nowadays spend much more time than they should using text message and new technology such as social media to communicate with each other. 348 114. Some people like

to keep a record of their own experience by uploading pictures and other information to social-networking sites. Other people prefer not to create such records. Which do you prefer and why? 351 115. Printed books have greater effect on society than television does. 354 116. If you need to discuss up

setting or controversial problems with others, it is better to communicate with them using e-mail or text messaging rather than speaking with them on the telephone or in person. 356 第七章 環境資源篇 117. Most of the environment issues are too complicated, and individuals can do nothing. 362 118. Modern ag

riculture method damage the environment, but providing food for the growing population around the world is more important than protecting the environment. 365 119. Some argue that we should use cleaner energy sources to protect the environment, while others believe traditional energy sources like co

al and oil are better because they are less expensive. What is your opinion? 368 120. What is the most important action for the government to solve environmental problems? 371 今年是我從事託福教學的第九個年頭。這九年來困擾我的最大問題就是沒有高品質的範文可以參考。本著為備考備課提供更高品質可模仿的範文的初心，在2016年，我除了完成教學工作以外，每星期工作40小時，精心修改或編寫了120篇託福獨立寫作範

文，並且全部標注出文章的結構：每句論證、每個例子的用途。我的目標是不只是要告訴大家好文章長什麼樣，最重要的是為什麼會這麼寫、如何把這些段落擴展到別的作文。 本書特色如下： 1. 作文選題：全面，真實 全面：書中包含120道託福獨立寫作題目，涵蓋託福寫作考試的高頻話題。 真實：題目源自從2009年起的託福寫作真題，真實還原託福考試。 2. 作文分類：清晰科學，方便備考 7大類話題：根據題材，書中將歷年真題進行了清晰的分類，包含教育學習篇、職業工作篇、日常生活篇、社會話題篇、社會變遷篇、科技發展篇和環境資源篇。 細分子話題：每類大話題下還分有子話題。這種分類方式便於考生理清備考思路，

準備考試時更有章可循，在有限的備考時間內讓複習範圍盡可能的全面。 3. 話題比例：緊跟考試趨勢，符合考試規律 託福獨立寫作題目雖話題廣泛，但是總有側重。教育學習類話題獨佔鰲頭，比重最大；工作、生活類話題也經常出現；而環境類話題頻率較低。本書題目的編排符合此規律：教育類話題共有30道，占全部題目的四分之一，而環境類話題只選錄了4道。與考試規律完全一致。 這種編排可以讓考生的備考更有側重，更有效率地利用有限備考時間。 4．範文語言：地道、多樣、準確，符合託福寫作考試要求 本書收錄的範文均由北京新東方8年以上教學經驗的一線教師親自撰寫，美國資深寫作專家潤色美化。選詞地道、精確、正式，句型

結構豐富多樣。這不僅符合託福考試的要求，更做到了精益求精，力求完美。 為方便讀者積累語料，在每篇範文後提煉出文章中實用精彩的詞彙和短語。通過熟練運用，説明學生提高自己輸出語言的豐富度和準確性。 5. 文章結構：層次分明，統一連貫，展開充實，可模仿性強 本書的優勢在於文章思路清晰，層次分明，統一連貫，可以說是文從字順。 範文寫作中應用到託福寫作實用的論證技巧，如解釋論證、舉例論證、引用論證、對比論證等，還有一些難度較高的先讓步後轉折的論證方式。貼近課堂講解，全面展示寫作技巧在實踐中的應用。 6. 範文講解：深入淺出，分條析理，猶如親臨名師課堂 本書旨在完整呈現新東方一線老師的課堂內容

，所以每篇文章都配備了詳細準確的分析和講解。讀者在閱讀本書時，猶如親臨新東方課堂，感受大咖老師們清晰的課堂思路，學習經新東方學員們檢驗的高效、實用、操作性強的寫作方法。 7. 思維拓展：舉一反三，最大化備考效率； 如上所述，本書用大量篇幅講解範文的文章結構，闡述每篇文章思路的推進。學習後更重要的是練習實踐和舉一反三。因此，為了方便讀者學以致用，同時也為了減少考生記憶負擔，最大化備考效率，在每篇文章之後的“舉一反三”部分給出了類似的作文題目，希望考生能夠將這些題目串聯起來，共用一些分論點或論據，達到事半功倍的效果。 當你在學習書中的範文時，需要注意幾點： 首先，為了使這些文章變成更好的學

習範本，並且為老師備課提供更大的幫助，在編寫這些文章時我沒有嚴格限時，完成第一遍的寫作後，我和外教還進行了語言潤色，所以書中很多文章的難度是高於考試要求的。在考場上，只要語言錯誤較少、詞彙恰當、文章內容切題、段落細節豐富，就可以輕鬆得到28分以上的分數。託福寫作得高分並不難，這些文章只是為了更好地幫助你。 其次，我在很多文章的開頭都進行了一些話題背景的描述，或總結了下文的分論點，目標是文章生動有吸引力。但是考試的時候，大家可以不寫這些，只要完成引出話題和表明觀點兩個任務即可，考場作文開頭結尾都要簡潔。 對英語學習來說，記性好但毫無進取者不勝枚舉；唯有堅持學習，不斷積累才能有理想的成果。我希

望這本範文集可以幫助你進步，但最重要的還是個人的努力和勤奮，如果你將來閃閃發亮，我們亦可分享一分光明。 白瑜

消費者選擇採用數位存款帳戶的關鍵因素探討

為了解決business plan範本的問題，作者周淑美 這樣論述：

自2015年金融監督管理委員會函准「銀行受理客戶以網路方式開立數位存款帳戶作業範本」後，台灣銀行業出現相當大的變化，各銀行一方面維持現有傳統實體銀行據點作業，隨著金融科技應用快速發展，銀行金融服務升級以數位化方式增進效率並打破空間之便捷，紛紛開始規劃數位存款帳戶及系統流程建置，2019年金融監督管理委員會為了加速金融服務創新，核發三家純網路銀行業者執照，對台灣數位金融是非常重要的，對傳統銀行而言是需要更積極的備戰，以往投入之金融科技技術，須更努力將新科技與金融產品做有效的結合，同時金融監督管理委員會積極推動，打造數位金融環境，陸續開放銀行線上業務項目，促使銀行利用科技、結合創新在符合身分有效

驗證機制及資訊安全控管措施下，能夠讓消費者享有安全便利多元線上金融服務。至2020年爆發新冠肺炎疫情，台灣銀行業營運壓力更加重，推動銀行數位轉型方面更積極、更快速的發展。本研究為了解消費者選擇採用數位存款帳戶的關鍵因素，透過文獻回顧整理，以消費者需求為導向的4C理論分別為Consumer消費者需求、Cost消費者購買商品的成本、Convenience消費者的便利性、Communication如何和消費者溝通此四大主準則，採討及應用分析消費者採用數位存款帳戶關鍵因素，建構消費者採用數位存款帳戶關鍵因素的層級架構。並以德爾菲法匿名產業或學術專家意見來達成問卷內容共識，再以建立層級程序分析法進行分解

，並透過量化關鍵成功因素權重分析覓得脈絡綜合評估，提供銀行決策者選擇適當的方法及擬定經營策略。研究運用德爾菲法、因素分析法及層級分析法等權重準則分析影響關鍵因素，擬歸納出結論包括：一、消費者選擇採用數位存款帳戶的關鍵因素之評估指標主架構共有「Consumer消費者需求」、「Cost消費者購買商品的成本」、「Convenience消費者的便利性」、「Communication如何和消費者溝通」等四大準則及21個次準則。二、消費者選擇採用數位存款帳戶的關鍵因素依序排列分別為「Convenience消費者的便利性」、「Cost消費者購買商品的成本」、「Consumer消費者需求」、「Communic

ation如何和消費者溝通」。研究分析後銀行推動消費者使用數位存款帳戶的關鍵因素，分述如下：一、銀行安全和保障網路或行動銀行的便捷高效帶來了諸多便利的同時，安全也成為關注的焦點，銀行透過強化資訊安全來保障消費者資料及資產，從銀行端和客戶端兩方面雙管齊下，採取多種系統安全保障和應用措施切實提高銀行的安全性，確保用戶的資金安全。二、銀行信譽和良好形象消費者對於銀行信譽和良好形象較為信任，銀行形象提昇，可以透過如善因行銷做適度的結合，參與慈善公益活動，將商品與慈善做結合共同銷售，銀行、慈善機構和消費者皆能各取所需，達到相輔相成與創造三贏的行銷手法，促使消費者對銀行之信譽與良好形象提昇。三、客服服務多

樣且方便使用(電話、視訊、文字客服)金融服務業之數位化，銀行透過客服中心與消費者進行互動，維持並延伸其業務範疇。除了協助消費者解決產品和服務上面臨問題，可以透過服務過程掌握消費者的偏好、使用趨向，修正行銷策略，提升市場競爭力。銀行擬定經營策略時，利用資訊科技輔助整合銀行之產品及服務滿足消費者的需求。銀行決策者應優先以「銀行安全和保障」、「銀行信譽和良好形象」與「客服服務多樣且方便使用(電話、視訊、文字客服)」，為參考修正調整投入數位存款帳戶資源及規劃方向，創造銀行數位存款之發展，達經營成效優異，進而獲得消費者認同採用數位存款帳戶之最大優勢。