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Unit 1 Text A Economics 1

Text B Why Do College Graduates Earn Higher Wages 10

Text C Open Economy and Command Economy 14

Unit 2 Text A Recent Trends in International Trade 18

Text B Comparative Advantage 26

Text C New Zealand Signs a Free-trade Agreement with China 32

Unit 3 Text A The Rise and Fall of Industries 37

Text B The Growth of Hong Kong Wine Industry 44

Text C Slowdown in U.S.Housing Market and Its Impact 50

Unit 4 Text A Electronic Commerce 53

Text B Disadvantages of Electronic Commerce 61

Text C About Online Trading 66

Unit 5 Text A Money 69

Text B Who's Afraid of the People's Money 78

Text C Who is Participating in Forex Market Trades 86

Unit 6 Text A Globalization Was Good then,Not Now 90

Text B Globerlization—Challenges and Opportunities for Chinese Youth 99

Text C Oil Prices Threaten Globalization 104

Unit 7 Text A Banking On Service 109

Text B Impacts of Foreign Entry on the Domestic Banking Market 119

Text C Types of Banks 123

Unit 8 Text A Smart Cards 128

Text B Give Me Some Credit 138

Text C Relationship between Credit and Debt 145

Unit 9 Text A 2008 Stock Market Rhapsody 148

Text B The Pain Is Not Over yet 159

Text C Lessons from the 1987 Crash 164

Unit 10 Text A Rational Texation 168

Text B The Tax System 178

Text C About Tax 183

Unit 11 Text A Factors that Affect a Mortgage Loan 187

Text B Getting a Home Mortgage 196

Text C Mortgage Refinancing and Mortgage Rate 202

Unit 12 Text A Investment Basics Ⅰ 207

Text B Investment Basics Ⅱ 216

Text C Investment Basics Ⅲ 222