金融英语3
金融英语模拟题(三)T3P1-Listening
TEST-3Part One ListeningSection One (10%)Directions: In this section you will hear l0 short statements. Each statement will be spoken only once. After each statement there will be a pause. During the pause, you must read the four suggested answers marked a, b, c and d, and decide which is the best answer.Now you will hear the example:She went to the bank with Mr. Smith.You will read:A. She went home. C.She went to the bank.B. She liked Mr. smith. D.She went to Mr. Smith's house.Statement C. "She went to the bank" is the closest in meaning to the statement "She went to the bank with Mr. Smith." Therefore, you should choose answer C. Now listen to the statements.1.A. The company is worth of financing.B. This company is highly rated in credit status.C. This company is rated lower in credit standing.D. This company runs a greater risk to make loans.2.A. Visa Card, Access, American Express and Diner's Card areall credits.B. Credit cards are the same thing as charge cards.C. Another name for credit card is charge card.D. American Express is not credit card in the real sense.3.A. Two separate spot transactionsB. One spot and the other forward transactionC. a " one month swap"D. the call option4.A. USD 3657897.05B. USD 3576987.06C. USD 3567897.05D. USD 3657879.065.A. Surplus increaseB. deficit increaseC. no effectD. all of the above6.A. They want to close their accounts in the bank.B. The bank might close their current accounts.C. The customers' overdrawn accounts must be closed.D. The bank closed their overdrawn accounts.7.A. Their operations must be brisk.B. They have a large profit for the year's operations.C. There has been a large deficit in the year.D. They anticipate a great excess of debts over incomefor the year's operations.8.A. CHAPSB. SWIFTC. CHIPSD. CHATS9.A. The check is out of date.B. The check is post-dated.C. The check is in too large amount.D. The check is a crossed one.10.A. If a remitting bank cannot take proper care in collection, the exporter will do it himself.B. If a remitting bank cannot fulfill its obligation in collection, the exporter will claim indemnity on it.C. If a remitting bank cannot take proper care in collection,it will lose acustomer.D. If a remitting bank cannot fulfill its obligation in collection,It will cause loss to the exporter.Section Two (10%)Directions: In this section, you will hear l0 short conversations. At the end of each conversation a question will be asked about what was said. The conversations and questions will be spoken only once. During the Pause, you must read the four suggested answers marked a, b, c, and d, and decide which is the best answer.Now you will hear :M: Does our bank have a direct correspondent relationship with the Bradalys' Bank?W:No, we don't. So we have to advise this L/C via another bank.Q: Which of the following is right?Now you will read:A. We can advise this L/C to the Bradlays' Bank.B. The Bradlays' Bank is our correspondent.C. The L/C has to be advised by a third bank.D. We should advise this L/C by ourselves.From the conversation we know that we have to advise this L/C via another bank. The best answer is C. Therefore you should choose answer C.11.A. 9 a.m.B. 12 noonC. 3 p.m.D. 6 p.m.12A. January 1, 1999B. July 1, 1999C. January 1,2002D. July 1,200213.A. to change pounds to yuanB. to send money to LondonC. to get a permitD. to know the rate of exchange14.A. people who has steady incomeB. People who has a good work record.C. People who has much moneyD. Both a and b15.A. of the house value.B. of the mortgage value.C. of the bank's appraised value.D. of the depreciated value.16.A. A librarianB. A professorC. An accountantD. A reporter17.A. 8875689B. 8758679C. 8756879D. 857678918.A. student and teacherB. employee and bossC. customer and brokerD. two bank clerks19.A. About the amount of RMB deposited with the bank.B. About the rate of interest for RMB deposited with the bank.C. About the terms of deposit with the bank.D. About the conditions of deposit with the bank.20.A. He got a credit card of his friend and come to ask how to use it.B. He got a card and did not know whose card it is.C. He has lost his credit card and come to ask what to do.D. He has found a credit card and come to ask what to doSection Three (10%)Directions: In this section, you will hear 3 short passages. At the end of each passage you will some questions about what was said. The passages and questions will be spoken only once. During the pause, you must read the four suggested answers marked a, b, c, and d, and decide which is the best answer.Questions 21--23 are based on passage 121A. JCB cardB. Diner's ClubC. Visa cardD. Federal-Master22.A. $590 millionB. $16 billionC. $590 billionD. $16 million23.A. from fees collected from its customers who pay for theircharges in monthly installments.B. from fees collected from the stores that accept credit cardC. by charging its customer yearly feesD. by charging its customer for overdue paymentQuestions 24-26 are based on passage 224.A. Bank card business.B. Bank card fraud.C. Technologies used in bank.D. International card fraud.25.A. 680 million dollarsB. 860 million dollarsC. 680 billion dollarsD. 860 billion dollars26.A. It's the same over the 10-year period.B. It's getting worse over the 10-year period.C. It's getting better over the 10-year period.D. There is no way to solve the problem.Questions 27-30 are based on Passage 327.A. a contractual agreement between the banker and the client.B. The creditor-debtor relationship.C. The principal-agent relationship.D. all of above28.A. Those who borrow funds from the bank.B. Those who deposit money with the bank.C. Those who have business dealing with the bank.D. Those who are the customers of the bank.29.A. It acts as an agent to do whatever the customer requires.B. It acts as an agent to provide all kinds of services.C. It acts as an agent to offer many kinds of bankingand financial services.D. It acts as an agent to sell the customer's products.30.A. Payroll management.B. Factoring service.C. Financial management.D. Investment advices.。
金融英语3corporatefinancenew精品文档
In Britain, stock is also used to refer to all kinds of securities（有价证券）, including government bonds.
Investors at this stage have a lower risk of loss than venture capitalist, but less chance of making a big profit.
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3.2 Stocks and shares(1)
Stocks and shares are certificates representing part ownership of a company.
If the company goes into liquidation（进入清 算）, holders of preference shares are repaid（偿还） before other shareholders, but after owners of bonds and other debts.
Latest Economic news
China central bank pledges more co-operation to stem global financial crisis 中国央行投入更多合作来遏制全球金 融危机
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BEIJING, Oct. 10 (Xinhua) -- China's central bank on Friday said it will continue international cooperation to tackle the global financial crisis and maintain market stability.
_金融英语课件3
By issuance: primary vs. secondary markets By trading location: organized/centralized exchange(场内交易市场) vs. over-thecounter(OTC) markets(场外交易/柜台交易市场) By maturity: money vs. capital markets By time of delivery: spot(即期市场) vs. futures markets(期货市场)
3
Financial markets perform the essential economic function of channeling funds from people who have saved surplus funds by spending less than their income to people who have a shortage of funds because they wish to spend more than their income.
lender-savers:贷款-储蓄者; borrower-spenders:借款-支出者 The most important borrower spenders are businesses and the government (particularly the federal government), but households and foreigners also borrow to finance their purchases of cars, furniture, and houses.
Chapter 3
金融英语 Unit 3
Background Information
大萧条（The Great Depression）是指1929年至1933年
之间全球性的经济大衰退。大萧条的影响比历史上任何一 次经济衰退都要来得深远。
Background Information
大萧条的普遍影响导致了：
1、提高了政府对经济的政策参与性，即凯恩斯主义； 2、以关税的形式强化了经济的民族主义； 3、激起了作为共产主义替代物的浪漫-极权主义政治运动（如
Text :
3.2 Types of Banks
Banks' activities can be divided into retail banking, dealing directly with individuals and small businesses; business banking, providing services to mid-market business; corporate banking, directed at large business entities; private banking, providing wealth management services to high net worth individuals and families; and investment banking, relating to activities on the financial markets. Most banks are profitmaking, private enterprises. However, some are owned by government, or are non-profit organizations.
《金融专业英语》课件-Chapter 3 Financial Instruments
CaБайду номын сангаасh
instruments （现金工具）
The values of cash instruments are influenced and determined by the markets and they can be securities that are easily transferable into cash.
Derivative
Instruments （衍生工具）
The values and characteristics of derivative instruments are based on the vehicle’s underlying components, such as assets, interest rates or indices.
Example of commercial paper
A retail firm is looking for short-term funding to finance some new inventory for an upcoming holiday season.
The firm needs $10 million and offers investors $10.1 million in face value of commercial paper in exchange for $10 million in cash, according to prevailing interest rates. In effect, there would be a $0.1 million interest payment upon maturity of the commercial paper in exchange for the $10 million in cash, equating to an interest rate of 1%. This interest rate can be adjusted for time, contingent on the number of days the commercial paper is outstanding.
金融英语翻译
金融用英语怎么说finance和banking都是金融的英语。
1、finance。
读音：英[ˈfaɪnæns]；美[fəˈnæns, faɪ-, ˈfaɪˌnæns]。
词性：n.和vt.。
做名词时意为金融，作动词时意为为…供给资金，从事金融活动；赊货给…；掌握财政。
变形：过去式：financed；过去分词：financed；现在分词：financing；第三人称单数：finances。
例句：The finance minister will continue to mastermind Poland's eco nomic reform.翻译：财政部长将继续策划波兰的经济改革。
2、banking。
读音：英[ˈbæŋkɪŋ]；美[ˈbæŋkɪŋ]。
词性：n.和v.。
做名词时意为金融，做动词时意为堆积(bank的现在分词)；筑（堤）；将（钱）存入银行；（转弯时）倾斜飞行。
例句：His government began to unravel because of a banking scand al.翻译：他的政府由于一起金融丑闻而开始瓦解。
扩展资料金融的常见英文词组：financial ratios、financial stringency、financial ref orm。
1、financial ratios。
释义：财务比率。
中文解释：财务比率是财务报表上两个数据之间的比率，这些比率涉及企业管理的各个方面。
例句：Ratio analysis is the process of determining and evaluating fin ancial ratios.翻译：比率分析是指对财务比率进行决定和评价的过程。
2、financial stringency。
发音：[faɪˈnænʃ(ə)l ˈstrindʒənsi]。
释义：金融呆滞。
金融英语视听说_第三章听力原文及答案解析
译文 男： 黛安娜， 对于美国的次 贷危机你怎 么 看？ 女： 这些天我已 经数百次听到 这个 词了。据我所知， 这是 对冲基金惹的一 场大 祸。 各 种利益的冲突 导致许多 银行和企 业，尤其是投 资银 行陷入困境。 这 是撤 销 金融管制 产生的后果。有人 评论说 他们 将及 时调 整方向，以免重 复1929 年 的悲 剧。 男： 最近有些 经济战 略受到 许多批 评。这 些政策是以提高自由市 场效率的名 义 实 施的。有人批 评说 某些政策用金融操控手段取代了真正富有成效的革新，把 财 富从家庭 转移 到公司，从而使整个美国经济处于高度风险之中。
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W: Yes. Excessive interest rate risk can posea significant threat to a bank
’ｓ
earnings and capital base.
M: Do you know the exact meaning of the interest rate risk?
loan when it is due.
M: What will happen if I could not repay the loan?
W: The bank will sell your mortgaged house and the payment will be used to
repay the loan. M: Oh, it is terrible. I
Dialog 2 M: Professor Wang, would you tell me what would happen if a bank had inadequate liquidity? W: There will be dire consequences, I think. You know that liquidity is a prime concern in banking operation and a shortage of liquidity has often been a trigger for bank failures. However, holding assets in a highly liquid form tends to reduce the income from that asset.
金融英语3
Teaching Objectives
● To be familiar with the definition of
foreign exchange and Chinese exchange arrangement ● To become familiar with the current account and capital account in international balance sheet ● To learn something about foreign exchange business
C：清楚了。我再填一张……劳驾一下，请帮我检查 ：清楚了。我再填一张……劳驾一下， ……劳驾一下 一下是否对了。我只取150加元，留大约50 150加元 50加元 一下是否对了。我只取150加元，留大约50加元 的余额。 的余额。 对了……这是150加元。 ……这是150加元 B：对了……这是150加元。 谢谢您。再见。 C：谢谢您。再见。 再见。 B：再见。
C：我再填一张……给您。 ：我再填一张……给您。 ……给您 B：请输入您的密码……输入的密码不对。请再试一 ……输入的密码不对 ：请输入您的密码……输入的密码不对。 好吗？ 次，好吗？ C：我已经很久没取过款了，再说我的不同的账户密 ：我已经很久没取过款了， 码都不同。我再试一次吧。 码都不同。我再试一次吧。 B：这下行了。您的余额是 加元， ：这下行了。您的余额是200.12加元，想取 加元 想取200加 加 那您是想销户吗？ 元。那您是想销户吗？ C：根本不想。 ：根本不想。 B：那么，您得在账户上至少留 加元才能使之继续有 ：那么，您得在账户上至少留1加元才能使之继续有 最低存款余额是1加元 加元。 效，最低存款余额是 加元。
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C：真的吗？ B：储蓄账户一般不允许透支，但有些支票账户可 以，可也要在一定的额度内。 C：对不起，我没注意到。 B：这不是您的错。再填一张取款单就是了。 C：好的„„请帮我看一下是否填对了。 B：行„„这是450美元。 C：非常感谢。
Major Topics: Ⅰ. Overview Ⅱ. Exchange Arrangement ； Ⅲ. Foreign Exchange Operations of Financial Institutions Ⅳ. Supervision of Foreign Exchange Accounts Ⅴ. Current Account Transactions Ⅵ. Capital Account Transactions Ⅶ. Reporting of Balance of Payments Statistics Ⅷ. Foreign Exchange Business
Teaching
Objectives
● To be familiar with the definition of
foreign exchange and Chinese exchange arrangement ● To become familiar with the current account and capital account in international balance sheet ● To learn something about foreign exchange business
Banks charge the depositor a fee when he has overdrawn the account. 储户如果透支了，银行可能会收取一定的费用。 If you want to draw more money than the balance in your account, the bank will make the check ― insufficient funds‖ and return it to you. 如果您想支取的金额超过了账上余额，银行会在支票 上注明“资金不足”字样，然后退还给您。 The code number doesn’t coincide with the one you gave us when you opened your account. 很抱歉，密码与你开户时的密码不一致。
Focus
on
●definition of foreign exchange ● foreign exchange quotations ● current management of foreign exchange system ● current account and capital account business
You can not receive the stated interest. 您拿不到规定的利息。 the stated interest 表示存单上 明确规定的利息。 stated ―确定的，规定的” If you do not withdrawal all your funds, the amount remaining shall continue to bear interest at the rate allowed at the time of deposit. 如果您不取完，剩余的钱按存款时利率计算。
C：清楚了。我再填一张„„劳驾一下，请帮我检查 一下是否对了。我只取150加元，留大约50加元 的余额。 B：对了„„这是150加元。 C：谢谢您。再见。 B：再见。
Conversation 2
C Customer B Bank Clerk C：劳驾一下，我在等一笔从美国转来的款，到了 吗？ B：请把您的问题解释一下，好吗？ C：有人从大通曼哈顿银行给我转来了1 000美元，不 知到了没有。 B：请问您叫什么名字？ C：杰克.伦敦。前几天，我在贵行开了个户。 B：明白了。请稍等一下，我去查一下„„伦敦先 生，款已经到了，1000美元，已进入您的账户。
Difficulties ● definition of foreign exchange ● measurements of foreign exchange reform
Teaching Methods
● Teacher’s explanations ● Questioning ● Discussing ● Exercise
Conversation 1 C Customer B：早上好，先生。
B
Bank Clerk
C：早上好。我想取些钱。这是护照和取款单。 B：非常遗憾，您拿错了取款单。您的账户是加元账 户，但您填的取款单是为人民币账户准备的。 C: 实在对不起，我太粗心了，竟把取款单拿错了。 但加元和人民币的取款单看起来也太像了，只有 颜色有点差别。 B：没关系。我们本应使之更易于识别的。
Part hree The Chinese Foreign Exchange System
Part There The Chinese Foreign Exchange System 一、概 述 本章学习内容一共有八节： 第Ⅰ节，对中国外汇制度做一个简短的概述（Overview）； 第Ⅱ节，着重讨论汇率制度安排（ Exchange Arrangement ）； 第Ⅲ节，介绍金融机构的外汇业务（Foreign Exchange Operations of Financial Institutions）； 第Ⅳ节，讲述外汇账户监管（Supervision of Foreign Exchange Accounts）； 第Ⅴ节，介绍经常项目交易（ Current Account Transactions ）的主要内容；
C：我再填一张„„给您。 B：请输入您的密码„„输入的密码不对。请再试一 次，好吗？ C：我已经很久没取过款了，再说我的不同的账户密 码都不同。我再试一次吧。 B：这下行了。您的余额是200.12加元，想取200加 元。那您是想销户吗？ C：根本不想。 B：那么，您得在账户上至少留1加元才能使之继续有 效，最低存款余额是1加元。
Teaching Procedures
Warming-up Exercise: Withdrawing Money 取款时，一般不能透支（overdraft）， 即支取的金额不能超过存款余额。银行对某 些种类的储蓄规定了最低余额。如果储户的 支取会导致余额不足时，银行一般是建议用 户减少取款额，而不是建议其销户。
C：谢谢您。 B：不用谢。您是想取走呢还是留在账上。 C：想取走，因为我急需钱用。我得先填张取款单 吗？ B：我想是的。 C：这是取款单。请给我800美元的百元钞，其余的为 小钞。 B：好的„„给您。 C：非常感谢。再见。
Conversation 3
C Customer B Bank Clerk B：早上好，先生。我能为您做些什么？ C：请给我讲一下该如何取款，好吗？ B：当然可以。那边的柜台上有取款单，填写一张， 注明想取的金额，日期以及账号，别忘了签字。 填完后拿来给我。 C：好的，谢谢……给您取款单和存折。 B：好。请输入密码。是的，对了……您想取多少？ C：700美元。 B：但您的账上只有500美元。
Debit one’s account 从某人账户上支取 Code number 密码 Cancel one’s account 销户 In order to withdraw money the bank requires your written signature. 取钱时，银行要求您亲笔签名。 You have to endorse your check in order to cash it. 您得背书支票才能兑现。 Please fill out withdrawal slip if you want to withdraw money. 若想取款，请填取款单。 I want to take out fifty dollars today. 我今天想取50美元。
Common
Expression 基本词汇与短语
Withdraw Withdrawal slip Debit Balance Outstanding check Overdrawn Overdraft Income tax Endorse 取款 取款单 借方，记入借方 余额 未兑现支票 透支的 透支 所得税 背书，在背面签字
Please sign the back of this check. 请在支票背面签字。 Should I endorse the check? 我是否应该在支票背面签字？ Please debit my first account the withdrawal of $200. 支取的200美元请记入第一个账户。 I’m afraid that you have overdrafted your account. 恐怕您的账户透支了。 The monthly statement can give you a record of all the transactions of your checking account. 月收支对账单记载了您的支票账户的一切交易。
Ⅰ. Overview 1. Evolution of China’s foreign exchange system 2. Definition of foreign exchange
I. Overview 1. Evolution of China’s foreign exchange system (1) The Lift of Current Account Restrictions — Before 1997, the foreign exchange control was strictly enforced. — The reform of Chinese foreign exchange system accelerated in 1994 with the introduction of conditional current account convertibility（人民币在经常项目下有条件可兑换）， unification of exchange market （外汇市场的统一）and adoption of a market-based managed floating exchange rate （以市场为基础的、有管理的浮动汇率制）. — On November 27, 1996, China formally lifted all remaining current account restrictions and became an Article Ⅷ member of the International Monetary Fund（国际货币基金 组织）.