金融英语期末总结
金融英语笔记期末总结
金融英语笔记期末总结Introduction:Financial English is a specialized subset of English language skills that are used in the finance industry. It encompasses a wide range of topics and skills, including financial vocabulary, reading financial statements, conducting financial analysis, and communicating effectively with clients and colleagues. As the finance industry continues to grow and become increasingly globalized, proficiency in financial English is becoming more important for professionals in this field. This summary highlights the key topics and skills covered throughout the course.Financial Vocabulary:One of the first and most important areas covered in the course was financial vocabulary. This included learning the definitions and usage of various financial terms and phrases. Essential financial vocabulary covered included terms related to financial statements, such as balance sheet, income statement, and cash flow statement. Other important terms included asset, liability, equity, revenue, cost, profit, and loss. It is crucial for professionals in the finance industry to have a solid understanding of these terms in order to effectively communicate and analyze financial information.Financial Statements:Reading and understanding financial statements is a fundamental skill in finance. The course provided a comprehensive overview of the three main financial statements: the balance sheet, the income statement, and the cash flow statement. We learned how to analyze these statements to gather information about a company's financial health and performance. Students were also taught how to calculate ratios and metrics to assess the company's liquidity, profitability, and solvency. By the end of the course, students were able to analyze financial statements and make informed decisions based on the information presented.Financial Analysis:Financial analysis is a crucial skill for professionals in the finance industry. Throughout the course, we learned various methods and techniques for analyzing financial data. This included trend analysis, ratio analysis, and comparative analysis. We also discussed the importance of benchmarking and how it can be used to compare a company's financial performance to its competitors or industry standards. Through practical exercises and case studies, students developed their skills in financial analysis and gained confidence in interpreting financial data.Investment and Portfolio Management:Another important aspect covered in the course was investment and portfolio management. We learned how to evaluate different investment options and develop investment strategies based on an individual's financial goals and risk tolerance. The course discussed various asset classes such as stocks, bonds, and mutual funds, and explored the different risks associated with each. Students were also introduced to the concept of portfolio diversification and learned how to construct and manage a diversified investment portfolio. This part of the course provided valuable insights into the world of investing and enabled students to make informed investment decisions.Financial Communication:Effective communication is essential in the finance industry, and the course emphasized the importance of clear and professional communication skills. We learned how to write financial reports, memos, and emails in a concise and professional manner. The course also covered presentation skills, and we practiced delivering presentations on various financial topics. These skills are crucial for professionals in the finance industry who often need to convey complex financial information to clients, colleagues, and stakeholders.Conclusion:Overall, the financial English course provided a comprehensive overview of essential skills and knowledge required in the finance industry. From developing financial vocabulary to analyzing financial statements and communicating effectively, students gained valuable insights into the world of finance. The course equipped students with the necessary skills to analyze financial data, make informed investment decisions, and communicate financial information effectively. As the finance industry continues to thrive and develop, proficiency in financial English is becoming increasingly important for professionals in this field.。
金融英语笔记期末总结高中
金融英语笔记期末总结高中Introduction:The study of financial English is vital in today's globalized world. As a student, I have gained immense knowledge and understanding of various financial concepts, terms, and practices. In this final summary, I will highlight the key areas covered in this course, including investments, financial markets, banking, and international finance.Part 1: InvestmentsInvestments refer to the allocation of funds into different assets or financial instruments with the expectation of generating future income or profit. In this course, we studied various investment vehicles such as stocks, bonds, mutual funds, and real estate. We also learned about the risk-return tradeoff, diversification, and the efficient market hypothesis.Part 2: Financial MarketsFinancial markets play a crucial role in the economy by facilitating the flow of funds between borrowers and lenders. Throughout this course, we explored different types of financial markets, including the stock market, bond market, money market, and foreign exchange market. We also learned about market indices, such as the Dow Jones Industrial Average and S&P 500, and how they are used to gauge market performance.Part 3: BankingBanking is an essential component of the financial system, providing various services to individuals and businesses. In this course, we delved into different types of banks, including commercial banks, investment banks, and central banks. We learned about the functions and operations of banks, such as deposit-taking, lending, and issuing credit cards. Additionally, we discussed the importance of bank regulations and the role of regulatory bodies, such as the Federal Reserve in the United States.Part 4: International FinanceInternational finance involves financial transactions and interactions between nations. In this section, we focused on topics such as foreign exchange rates, balance of payments, international trade, and multinational corporations. We also examined the role of international financial institutions, including the International Monetary Fund and World Bank, in promoting global economic stability and development.Conclusion:Studying financial English has been a rewarding experience for me. Throughout this course, I have developed a comprehensive understanding of various financial concepts and their application in real-world scenarios. The knowledge gained will be invaluable as I pursue a career in finance or related fields. I am grateful for the opportunity to learn from myinstructor and fellow classmates, and I look forward to applying this knowledge to future endeavors.。
金融英语工作总结
金融英语工作总结Financial English Work Summary。
As the financial sector continues to grow and evolve, it is essential for professionals in this field to have a strong command of financial English. Whether it is in the context of banking, investment, or accounting, the ability to communicate effectively in English is crucial for success in the industry.In my role as a financial analyst, I have found that proficiency in financial English has been a key factor in my ability to excel in my work. From writing reports and communicating with clients to presenting findings to my team, being able to convey complex financial concepts in clear and concise English has been essential.One of the main challenges I have encountered in my work is the need to translate technical financial terms and jargon into language that is easily understood by a non-specialist audience. This requires not only a deep understanding of financial concepts, but also the ability to communicate them in a way that is accessible and engaging.In addition, working in a globalized industry means that I often collaborate with colleagues and clients from different linguistic backgrounds. Being able to communicate effectively in English has allowed me to build strong working relationships with individuals from diverse cultural and linguistic backgrounds, and has been instrumental in my ability to work successfully in a global context.Furthermore, the importance of financial English extends beyond verbal communication. The ability to write clear and concise financial reports, emails, and other documents in English is also crucial. Whether it is preparing a financial analysis for a client or drafting a proposal for a new investment opportunity, the ability to communicate effectively in written English is essential for success in the financial industry.In conclusion, my experience in the financial industry has reinforced the importance of strong financial English skills. The ability to communicate effectively in English, both verbally and in writing, has been crucial in my ability to excel in my role as a financialanalyst. As the industry continues to evolve and become increasingly globalized, the importance of financial English will only continue to grow. I am committed to further developing my financial English skills to ensure continued success in my career.。
国际金融 期末复习 中英文
【名词解释】【The Special Drawing Right (SDR) 特别提款权】p 30The Special Drawing Right (SDR）is an international reserve asset created by the IMF to supplement existing foreign exchange reserves。
(It serves as a unit of account for the IMF and is also the base against which some countries peg the exchange rate for their currencies。
【LIBOR 伦敦同业银行拆解率】p 33Eurocurrency Interest Rates：LIBORLIBOR(London Interbank Offered Rate) is the reference rate of interest in the Eurocurrency market, and is now the most widely accepted rate of interest used in standardized quotations, loan agreements or financial derivatives valuations。
LIBOR is officially defined by the British Bankers Association。
【Dollarization美元化】Dollarization – the use of the US dollar as the official currency of the country。
只将美元用作官方通货。
【Eurodollar 欧洲美元】Eurodollar is one of the European currency types,which refers to the dollar deposits in banks outside the united states 是指存放在美国以外的银行中的美元存款，欧洲美元是欧洲货币的一种类型。
金融期末报告模板英语
金融期末报告模板英语Executive SummaryIn this financial final report, an analysis of the financial performance of XYZ Company for the fiscal year will be presented. The report aims to provide an overview of the company's financial statements, including the income statement, balance sheet, and cash flow statement. Additionally, key financial ratios, such as liquidity, solvency, and profitability, will be examined to assess the company's financial health and performance. Based on the analysis, recommendations for improvement and future financial goals will be proposed.IntroductionXYZ Company is a leading player in the financial industry, providing a wide range of services including banking, investment management, and insurance. The company operates globally and has experienced steady growth over the years. This report will focus on analyzing the company's financial position as of the end of the fiscal year.Financial Statements AnalysisIncome StatementThe income statement for the fiscal year reveals the revenue, expenses, and profitability of XYZ Company. The company has achieved a total revenue of X million, which reflects an increase of X% compared to the previous year. The primary sources of revenue include interest income from loans and investments, fees from banking services, and insurance premiums.However, the company also incurred various expenses, such as operating expenses, loan loss provisions, and taxes. As a result, the net income for the fiscal year was X million, representing a growth of X% compared to the previous year.Balance SheetThe balance sheet provides an overview of XYZ Company's assets, liabilities, and shareholders' equity. As of the end of the fiscal year, the company had total assets of X billion, which primarily consisted of cash and equivalents, loans, and investments. The liabilities of the company totaled X billion, including deposits,borrowings, and other obligations.The shareholders' equity was X billion, reflecting the retained earnings and investments made by shareholders. Overall, the balance sheet indicates a healthy financial position for the company, with a positive net worth.Cash Flow StatementThe cash flow statement reflects the cash inflows and outflows from XYZ Company's operating, investing, and financing activities. It provides insights into the company's ability to generate cash and manage its financial resources effectively.The operating cash flow showed positive trends, demonstrating the company's ability to generate cash from its core operations. The investing cash flow primarily consisted of investments in new assets and acquisitions, while the financing cash flow included payments of dividends and borrowings. Financial Ratios AnalysisTo assess the financial health and performance of XYZ Company, various financial ratios have been calculated andanalyzed. Key ratios include liquidity ratios, solvency ratios, and profitability ratios.Liquidity RatiosLiquidity ratios, such as the current ratio and quick ratio, measure the company's ability to meet its short-term obligations. XYZ Company has maintained a healthy liquidity position, with the current ratio of X and quick ratio of X, indicating the company's ability to cover its short-term liabilities with its current assets. Solvency RatiosSolvency ratios assess the company's ability to meet itslong-term obligations. The debt-to-equity ratio was X, suggesting that the company relies primarily on equity financing rather than debt. This indicates a lower risk of financial distress and demonstrates the company's financial stability.Profitability RatiosProfitability ratios, such as the return on equity and return on assets, measure the company's ability to generate profits from its investments and assets. XYZ Company has achieved a return onequity of X% and a return on assets of X%, indicating efficient utilization of both equity and assets to generate profits. Conclusion and RecommendationsBased on the analysis of XYZ Company's financial performance, it can be concluded that the company has maintained a healthy financial position and achieved steady growth. The liquidity ratios indicate strong short-term financial stability, while solvency ratios suggest a lower risk of financial distress. Additionally, profitability ratios demonstrate efficient utilization of assets and investments to generate profits.To further improve financial performance, XYZ Company should focus on diversifying its revenue sources, enhancing cost management, and exploring new growth opportunities. By implementing these recommendations and setting ambitious yet achievable financial goals, XYZ Company can continue its financial success in the future.References[1] XYZ Company's financial statements for the fiscal year.[2] Industry benchmarks for financial ratios.[3] XYZ Company's previous financial performance reports.。
经贸英语期末总结
经贸英语期末总结IntroductionThe study of economic and trade English has been an enriching experience that has allowed me to develop a comprehensive understanding of international economics, trade policies, and business communication. Throughout this course, I have gained knowledge about various aspects of global economics, such as international trade theories, trade barriers, trade agreements, and business negotiations. This summary aims to recapitulate the main topics covered in this course and highlight the key takeaways.International Trade TheoriesDuring the course, we explored different theories explaining why countries engage in international trade and the benefits they derive from it. The classical theory of comparative advantage, developed by David Ricardo, argues that countries specialize in producing goods and services in which they have a lower opportunity cost compared to other countries. This theory emphasizes the importance of specialization through trade, leading to mutual benefits for all countries involved.In contrast, the new trade theory suggests that economies of scale and product differentiation can provide countries with a competitive advantage. This theory sheds light on the importance of industries and companies gaining market power through technology, which can lead to monopolistic or oligopolistic competition.Furthermore, the gravity model of international trade utilizes variables such as GDP, distance, and cultural similarities to explain the volume of trade between countries. This model has proven to be an effective tool in predicting and analyzing trade patterns.Trade Barriers and ProtectionismAnother crucial aspect of this course was the study of trade barriers and protectionism. Trade barriers are government-imposed restrictions on international trade, and they can take various forms such as tariffs, quotas, subsidies, and non-tariff barriers. The goal of trade barriers is to protect domestic industries and markets from foreign competition.Protectionism, on the other hand, refers to the adoption of policies that promote and protect domestic industries at the expense of foreign competition. The reasons behind protectionism vary, ranging from protecting domestic jobs, safeguarding national security, and supporting domestic industries facing unfair competition.Trade Agreements and OrganizationsIn the context of economic and trade English, understanding international trade agreements and organizations is crucial. The course covered various trade agreements, such as the World Trade Organization (WTO), regional trade agreements like the European Union (EU) and North American Free Trade Agreement (NAFTA), and bilateral trade agreements. Theseagreements aim to liberalize and facilitate global trade by reducing trade barriers and ensuring fair competition.Moreover, the role of international organizations such as the International Monetary Fund (IMF) and World Bank in promoting economic development and stability was also discussed. These organizations provide financial assistance, policy advice, and technical support to member countries.Business NegotiationsEffective business communication and negotiation skills are fundamental in the field of economic and trade English. The course emphasized the importance of cross-cultural communication, understanding cultural differences, and adapting communication strategies accordingly.Negotiation techniques, such as win-win negotiations, principled negotiation, and distributive negotiation, were explored in detail. Additionally, the role of power and relationship-building in negotiations was examined, highlighting the significance of building trust and maintaining long-term partnerships.ConclusionIn conclusion, the study of economic and trade English has provided me with a solid foundation in understanding international economics, trade policies, and business communication. The knowledge gained about international trade theories, trade barriers, trade agreements, and business negotiations will undoubtedly be valuable in my future career. Moreover, this course has enhanced my critical thinking skills and ability to analyze complex economic issues. I am confident that the comprehensive understanding gained through this course will contribute to my professional growth and success in the field of economics and international trade.。
金融英语期末复习
金融英语期末复习金融英语期末复习1. brokerA ) 经济人B ) 经纪人C ) 承销商2. life insuranceA ) 人寿保险B ) 财产保险C ) 海上保险3. capital adequacy ratioA ) 资本充足率B ) 资本利润率C ) 资金利用率4. run on a bankA ) 贷款B ) 存款C ) 挤兑5. financial crisisA ) 金融风险B ) 金融监管C ) 金融危机6. legal reserves requirementA ) 公开市场业务B ) 法定存款准备金C ) 再贴现率7. exchange rateA ) 汇率B ) 利率C ) 红利8. monetary marketA ) 资本市场B ) 票据市场C ) 货币市场9. optionA ) 期货B ) 期权C ) 互换10. common stockA ) 普通股B ) 优先股C ) 债券11. bull marketA ) 牛市B ) 熊市C ) 套利12. central bankA ) 中央银行B ) 商业银行C ) 投资银行13. simple interestA ) 复利B ) 单利C ) 本金14. liquidityA ) 流动性B ) 赢利性C ) 风险性15. balance sheetA ) 现金流量表B ) 利润表C ) 资产负债表16. off-shore bankingA ) 国际银行业务B ) 离岸银行业务C ) 结算业务17. structural improvementA ) 结构调整B ) 结构优化C ) 结构失调18. moral hazardA ) 道德风险B ) 逆向选择C ) 信息不对称19. fixed costA ) 固定成本B ) 边际成本C ) 平均成本20. stagflationA ) 通货膨胀B ) 通货紧缩C ) 滞胀21. Widespread affects not only the nation’s international balance of payment but also the sales of home industries.A ) speculatingB ) smugglingC ) streamliningD )stocktaking22. Banks will not make a loan to any borrower unless theymake sure the latter is .A ) prosperousB ) richC ) solventD ) honest23. The “Ford ”is designed to assist some outstanding scholars in their efforts to do outstanding researches.A ) FoundationB ) SponsorshipC ) FundD ) Funds24. All bondholders will be paid at value of the bond on maturity.A ) agreedB ) securityC ) paperD ) par25. For a deposit of $10000 at the annual interest rate of 6%, one may receive a total of $10600 on maturity for his and interest.A ) originalB ) stakeC ) principalD ) deposit26. In those years, many foreign investors withdrew from the country because of disappointing rate of investment.A ) gains ofB ) yield ofC ) return onD ) return of27. Majority businessmen benefit from the differencebetween price and wholesale price.A ) distributionB ) bitC ) lotD ) retail28. As a rule, the construction contactor has to submit to the client a sum about 10% of contract price as of contract performance.A ) mortgageB ) promiseC ) commitmentD ) security29. The investment of a firm may fell into two categories: the first is for investment in fixed assets, the second is for in its day-to-day operation.A ) turnoverB ) wagesC ) bonusD ) incentive30. In theory, those pertain to the firm’s assets.A ) accounts receivableB ) receivable accountsC ) payable accountsD ) accounts payable31. The percentage analysis of increases and decreases in corresponding items in comparative financial statements is called ______.A ) vertical analysisB ) horizontal analysisC ) external analysisD ) comparative analysis32. The documentary collection provides the seller with a greater degree of protection than shipping on ______.A ) open accountB ) bank's letter of guaranteeC ) banker's draftD ) documentary credit33. When GBP/USD rate goes from 1.6150 to 1.8500, we say the dollar ______.A ) appreciates by 12.70%B ) depreciates by 14.55%C ) depreciates by 12.70%D ) appreciates by 14.55%34. The price in the foreign exchange market is called ______.A ) the trade surplusB ) the currency rateC ) the money priceD ) the exchange rate35. What function is money serving when you buy a ticket toa movie? ______.A ) transaction demandB ) a medium of exchangeC ) store of valueD ) a unit of account36. These are four main methods of securing payment in international trade:(1) payment under documentary credit(2) open account(3) collection, that is document against payment or acceptance of a bill of exchange(4) payment in advanceFrom an exporter's point of view, the order of preference is ______.A ) (4) , (1) , (3) , (2)B ) (4) , (2) , (3) , (1)C ) (4) , (3) , (1) , (2)D ) (2) , (4) , (1) , (3)37. The risk that is specific to individual stocks is called ______.A ) systematic riskB ) country riskC ) unsystematic riskD ) market risk38. Money _____.A ) serves as the critical function of a medium of exchangeB ) facilitates trade in goods and servicesC ) overcomes the inefficiencies of barterD ) all of the above39. Mr Wang, a lawyer, is a better typist than his secretary, but he still has her to do the typing. What economic principle, much used in trade theory, does this illustrated? _____A ) absolute advantageB ) economies of scaleC ) diminishing returnsD ) comparative advantage40. The economics situation at home and abroad, including the interest rate, the exchange rate, ease money (expansion of money supply) or tight money (contraction of money supply), hasa long term influence on stock prices.41. The function of the World Bank is to provide a mechanism for supplying for long periods of time ——20 or 30 years ——theforeign exchange needed to rebuild and develop economies.42. Spot transactions are foreign exchange transactions that have to be settled promptly,forward transactions have to be settled on an agreed future date.43. Through years of reform efforts, China has developed a banking system consisting mainly of the wholly state-owned commercial banks and joint-equity commercial banks under the supervision of the central bank, the People's Bank of China.44. The use of foreign exchange arises because different nations have different monetary units and the currency of one country cannot be used for making payment in another country.45. Venture Capital company pools the partners’assets and use these assets to help a fresh enterprise to begin its new cause.46. One of the main functions of banks is to take in deposit from surplus regions and then make loans to the deficit regions.47. The implementation of the stabilization and structural measures has been a major factor underlying the resilience of the Chinese economy in the context of the crisis in Asian financial markets and the recent weakening of global economic activity.48. Asymmetric information is present in loan market because lenders have less information about the investment opportunities and activities of borrowers than borrowers do.49. The functions of futures markets are price discovery, price risk hedging, and market efficiency improving.Directions：Read the following passages, and determine whether the sentences are “Right”or “Wrong”. If there is not enough i nformation to answer “Right”or “Wrong”, choose “Doesn’t say”.Passage 1Liquidity is a measure of how quickly an item may be converted to cash. Therefore, cash is the most liquid asset. Account receivable is a relatively liquid asset because the business expects to collect the amount in cash in the near future. Supplies are less liquid than accounts receivable. Users of financial statements are interested in liquidity because business difficulties often arise owing to shortage of cash. How quickly can the business convert an asset to cash and pay a debt? How soon must a liability be paid? These are questions of liquidity.50. Long-term assets are all assets other than current assets.A ) rightB ) wrong C) Doesn’t say51. Supplies are less liquid than accounts receivable, and furniture and buildings are even less so.A) Right B ) Wrong C) Doesn’t52. People are interested in liabilities on the balance sheet because it is relatively liquid.A ) RightB )wrong C) Doesn’t sayPassage 2Whereas the money markets provide very short-term loans, the capital market takes account of medium and long-term loans. It serves the needs of industry and commerce, government and local authorities. Private sector firms borrow their working capital (currentassets minus current liabilities) from the money market, which used to be mainly via commercial banks; the role of banks as middlemen has now diminished, even for the working capital requirements. Private sector firms raise their fixed capital by the issue of shares or commercial paper bonds. Government andlocal authorities borrow medium and long-term capital by issuing gilt-edged stocks and bands. The main market place for lending and borrowing medium and long-term capital in the UK is the Stock Exchange in London. 53. An industrial corporate can meet its financial needs by seeking funds from the capital markets.A ) RightB )wrong C) Doesn’t say54. Nowadays a private business usually obtains its working capital through a commercial bank.A ) RightB )wrong C) Doesn’t say55. In the UK commercial banks often raise funds by issuing bands and stocks.A ) RightB )wrong C) Doesn’t sayPassage 3A commercial bank shall formulate its business rules, establish and improve its business management, the system of cash control and its security system in accordance with the stipulations of the People’s Bank of China. A commercial bank shall establish and improve its systems of examining and checking deposits, loans settlements and bad and doubtful accounts. The PBC can exercise examination of a commercial bank at any time in accordance with the relevant provisions. The personnel in charge of the examination and supervision should produce their legitimate at the time of conducting examination and supervision. A commercial bank shall provide financial accounting information, business contracts and other information about its business and management at the requestof the People’s Bank of China. A commercial bank is subject to the audit control by the auditing authorities in accordance with the audit law and regulations.57. The PBC can exercise examination of a commercial bank at any time.A ) RightB )wrongC ) Doesn’t say58. A commercial bank shall establish and improve its system of internal control according to law.A ) RightB )wrongC )D oesn’t say59. A member staff of the PBC should present his legitimate certificate for on-site examination.A ) RightB )wrongC ) Doesn’t say60. The auditing authorities can not exercise the audit control over a commercial bank.A ) RightB )wrongC ) Do esn’t say1. off-shore bankingA ) 离岸银行业务B ) 国际银行业务C ) 结算业务2. capital adequacy ratioA ) 资本充足率B ) 资本利润率C ) 资金利用率3. moral hazardA ) 信息不对称B ) 逆向选择C ) 道德风险4. structural improvementA ) 结构失调B ) 结构优化C ) 结构调整5. commercial bankA ) 中央银行B ) 商业银行C ) 投资银行6. dividendA ) 汇率B ) 利率C ) 红利7. legal reserves requirementA ) 再贴现率B ) 法定存款准备金C ) 公开市场业务8. compound interestA ) 复利B ) 单利C ) 本金9. balance sheetA ) 利润表B ) 现金流量表C ) 资产负债表10. average costA ) 固定成本B ) 边际成本C ) 平均成本11. monetary marketA ) 资本市场B ) 票据市场C ) 货币市场12. common stockA ) 普通股B ) 优先股C ) 债券13. liquidityA ) 风险性B ) 赢利性C ) 流动性14. bear marketA ) 牛市B ) 熊市C ) 套利15. brokerA ) 经纪人B ) 经济人C ) 承销商16. futureA ) 期货B ) 期权C ) 互换17. life insuranceA ) 财产保险B ) 人寿保险C ) 海上保险18. depositA ) 挤兑B ) 存款C ) 贷款19. financial crisisA ) 金融风险B ) 金融监管C ) 金融危机20. inflationA ) 通货膨胀B ) 通货紧缩C ) 滞胀21. The Bank of China has been recognized as the AAA bank by a Japanese credit Agency that is very authoritative in international financial community.A ) evaluatingB ) assessingC ) appraisalD ) rating22. Owing to his good reputation, Mr. White can buy things in nearby shop .A ) without moneyB ) on creditC ) for lock of moneyD ) at order23. For a deposit of $1000 at the annual interest rate of 5%, one may receive a total of $1050 on maturity for his and interest.A ) originalB ) stakeC ) principalD ) deposit24. If we mean to learn foreign advanced technology and management in the operation, we’d better establish a joint with foreign firm rather than work on your own.A )businessB ) corporationC ) firmD ) venture25. If you have a draft and is badly in need of money before maturity of payment, you may sell it at for cash to the bank or others at the commercial paper market.A ) discountB ) premiumC ) depreciationD ) expense26. We have to close down the branch bank in that region in that its is far from covering the expenses incurred.A ) currency B) depositC ) reserves D) earnings27. What function is money serving when you buy a ticket toa movie? ______.A) store of valueB) a medium of exchangeC) transaction demandD) a unit of account28. The price in the foreign exchange market is called ______.A) the trade surplus B) the exchange rateC) the money price D) the currency rate29. What’s the interest rate on a 20-year mortgage loan?30. Although capital market development is expected to speed up, banks in China, which currently provide about 75 percent of aggregate financing in the economy, are likely to continue to playing a dominant role in financing economic and technological development as well as the economic reform in the foreseeable future.31. The use of foreign exchange arises because different nations have different monetary units and the currency of one country cannot be used for making payment in another country.32. In international trade, there exists the need for financing and the associated interest rate and credit risks, which are always accompanied by foreign exchange risk.33. Through years of reform efforts, China has developed a banking system consisting mainly of the wholly state-owned commercial banks and joint-equity commercial banks under the supervision of the central bank, the People's Bank of China.。
金融英语作文感受与收获
金融英语作文感受与收获英文：I have gained a lot from learning financial English. First of all, it has greatly improved my ability to communicate in the financial industry. I have learned a lot of financial terms and expressions, which are commonly used in business negotiations, financial reports, and investment analysis. For example, I have learned how to discuss financial performance using phrases like "revenue growth," "profit margin," and "return on investment." These terms are essential for anyone working in the financial sector, and being able to use them confidently has made me feel more professional and competent in my work.Moreover, learning financial English has also helped me to understand global financial trends and developments. I can now read and understand financial news in English, which has broadened my perspective and allowed me to stay updated with the latest market information. For instance, Irecently read an article about the impact of the US-China trade war on global stock markets, and I was able to grasp the key points and implications thanks to my improved financial English skills.Furthermore, learning financial English has opened up new opportunities for me. I have been able to network with professionals from English-speaking countries and participate in international conferences and seminars. This has not only expanded my professional connections but also exposed me to different business cultures and practices. For example, I attended a financial conference in London last year, where I had the chance to interact with experts in the field and gain insights into the UK's financial market. This experience would not have been possible without my proficiency in financial English.Overall, learning financial English has been a rewarding experience for me. It has enhanced my communication skills, broadened my knowledge of global finance, and opened doors to new opportunities in the financial industry.中文：学习金融英语让我受益匪浅。
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1. Banks serves as ( principle depository) of liquid funds for the public.2. (The banking sector) provides the indispensible national payriient mechanism for the development of modem financial and business system.3. Which of the following is not a policy banks (The Industrial and Commercial Bank of China)4. The central banking system began taking shape in (1984)5.What is amount of the total assets of the banking sector at the end of 2005(RMB37. 47 billion)6.The Basel Accord sets minimum capital ratio requirements for internationally active banks（of 4% tier one capital and 8 to total capital）in relation to risk-weighted assets.7.One objective of banking supervision is to prot ect depositors’ funds and(if a bank should fail) to minimize the losses to be absorbed by the deposit insurance fund.8.The ratio of liquid assets to liquid liabilities of a commercial bank shall not fall short of (25) percent.9..Market risk refers to the risk of (financial prices fluctuation)10.If a major borrower gets in trouble because of inability to (return) a loan the bank may find itself in serious trouble as well.11.(Indirect) tell us how many units of the foreign currency required to buy one unit of the domestic turrency.12.If an importer who buys goods today has to pay for the goods in a foreign currency one month from today , it may be convenient to buy the currency now for delivery in a month. The transaction is called (a forward)13.Suppose we make a week-end swap on January 10,2005 (Monday) , then the spot value date is set on (January 12 , 2005) , the forward value date is set on (January 19 , 2005)14.(The value date）is the date on which the money must be paid to the parties involved in spot transactio15.If we have a quote of 737. 62Z740. 58 for $ZT ,（the first rate is the buying rate for the dollar）16.(An audit) is the independent examination that ensures the reliability of the accounting reports submitted by management to investor , creditor ,and other outside the business.17.GAAP stands for (General Accept Accounting Principles)18.which of the following is not included in the accounting concepts and principles ? (General Accepted Accounting Principles).ers of financial statements are interested in liquidity because (businesses may be difficult to have enough working capital)20.Theliability section , together with (owner's equity) , indicates how an entity financed.21.Investment banks’ role in the financial markets involves (telling and distributing new stocks and bonds).22.What does IPO stand for ? (Initial Public Offering)23.A key difference between bonds and stocks is that stocks (represent ownemhip)24.Credlt card customer (are given a credit limit on the credit card account and can buy goods and services up to this amount)25.when a bank holds valuables and documents for its customer in safe custody ,it has to take are of the property ,and has a (bailor—bailee) relationship with that customer.26. In a syndicated loan , (the lead bank) handles the negotiations with the borrower, prepares the relevant documentation and disbumes the full amount of the loan to the borrower.27. A (bridging) loan is a loan agreement under which finance is required in connection with thesale of one asset and the pumliase of another.28. A pledge provides a bank with (possession of the goods)29. Which of the following is true of a mortgage ? (The mortgagor retains possession of the mortgaged property)30. A lien is best defined as (a deposit of goods , or documents of title to them , with a lender as security for a debt)1.The skills and institutions for risk management In an open market economy are different from those in a relatively closed centrally planned economy（T）2.The comprehensive risk monitoring and warning system focuses on the safety , liquidity and profitability of financial institutions（T）3.Where we study securities , we should know something about financial markets , such as stock market , bond market , which are classified as money markets（F）4.Coverible bonds are known as T-bonds , which carry a rate of interest and give the owner the right to exchange the bonds at some stage in the future into ordinary shares（F）5.LOF stands for Listed Open-ended Fund which can be redeemed or subscribed at both stock exchange and fund sales outlets. （T）6.The risk-based loan classification system divides the loans into pass , special mention , substandard , doubtful and loss five categories（T）7.One of the inherent risks in banking is the market risk , which can be further divided into exchange rate risk and interest rate risk. （T）8.The limit on the deposit insurance coverage also serves to maximize moral hazard on the part of the depositors（F）9.The most important types of operational risk involve breakdowns in extemal controls or corporate governance（F）10.Reputation risk is particularly damaging for banks since the nature of their business requires maintaining the confidence of depositors , creditors , and the general marketplace. （T）11.On July 21 , 2005 , RMB exchange rate regime changed to a managed floating system with a reference to a basket of currencies.（T）12.In order to eliminate the risk of a significant rise of one currency’s exchangerate , we sell the currency forward.（F）13.Futures are standard forward contracts traded on exchanges.（T）14.The People’s Bank of China is the agency responsible foreign exchange administration.（F）15.If forward price is higher than the spot price , we call it discount.（F）16.Income and expense accounts represent changes in assets（F）17.Asset accounts include cash, furniture and fixtures ,accounts payable, claims against customers that owe money, stock or inventory, office supplies, etc. （F）18.Vhere the debit and credit entries are posted to a ledger, the aggregate of the debits in all the ledger accounts must be equal to the aggregate of the credits in these accounts. （T）19.Notes payable which are paid in installments are classified as long-term liabilities. （F）20.A cash flow statement covers a period of time and accounts for increase or decrease in a company's cash during the period. （T）21.The commercial papers are considered as capital market instruments. （F）22.Factoring is short-term financing with recourse. （F）23.The trustor who is also known as the grantor creates the trust. （T）24.Operating lease can not be cancelable at any time. （F）25.In money market, the government is unique, because it is supplier and demander of money market funds. （T）26.Those with maturity of one year or less are called medium-term loans. （F）27.The risk-based capital guidelines require a minimum ratio of Tier-1 capital to adjusted assets of 4% , and a minimum ratio of combined Tier-1 and Tier-2 capital to risk-adjusted assets of 8% （T）28.Broadly defined , consumer credit includes loans secured by real estate( home mortgages , for instance) plus open-end credit such as credit cards. （F）29．Since the operating target of commercial banks is profit , they should make their own decisions on whether to increase , maintain , decrease withdraw the loan disbursement in some industry so long as it’s profitable regardless of the country’s macroeconomi c policy. （F）30.Current ratio is more conservative and accurate than quick ratio in measuring liquidity. （F）1. Although banks share many common features with other profit-seeking businesses , they playa unique role in the economy through mobilizing savings allocating capital funds to finance productive investment transmitting monetary policy providing a payment system and transforming risks.尽管银行与其他以盈利为目的的企业具有许多共同的特征，但它在国民经济中还发挥着特殊的作用。