《金融英语》课件1
合集下载
金融英语课件(unit 1)
教学重点(Emphases and difficult points） ：
some important vocabulary: banknote, joint stock company, acquisition, monetary polices, lender of last resort, liquidity, bank run, IMF, IBRD, financial institution, etc.; transformation, empower, directives, comply (with), implement, oversee, supervisory, registration ；the understanding about the history and function of the Bank of England. the brief knowledge of the banking system in China. Some specialized English words.
Exercises and Key to Exercises
（1）1.英格兰银行 Bank of England 2.银行营业部 Banking Department 3.股份公司joint stock company 4.接 受存款机构 deposit-talking institution 5.规章制度 rules and regulations 6.执行货币政策 implement monetary policy 7.贴现行 discount house 8.公众利益 public interest 9.国际货币基金组织 International Monetary policy 10.世界银行 World Bank （2）ACBCD (3) Some questions: What are the functions of the central bank? When was the Bank of England founded?
配套课件 金融英语
•A futures exchange or futures market is a central financial exchange where people can trade standardized futures contracts, that is, a contract to buy specific quantities of a commodity or financial instrument at a specified price with delivery set at a specified time in the future.
➢Brokers and advisers. The main role of brokers and advisers is to help organized
markets to function properly.
Chapter 4 Financial Markets
4.3 Participants of Financial Markets
➢Regulators.
Most countries need regulators who control their financial institutions and regulate dealings in securities markets with the objects of ensuring that the financial institutions are able to honour their commitments, that people have access to relevant information before they enter into contracts, and dealing in securities is fair.
➢Brokers and advisers. The main role of brokers and advisers is to help organized
markets to function properly.
Chapter 4 Financial Markets
4.3 Participants of Financial Markets
➢Regulators.
Most countries need regulators who control their financial institutions and regulate dealings in securities markets with the objects of ensuring that the financial institutions are able to honour their commitments, that people have access to relevant information before they enter into contracts, and dealing in securities is fair.
最新金融英语课件(unit 1)
货折扣 10. clearing 清算 bank clearing 银行之间的划拨结算 exchange clearing
外汇清算 multilateral/bilateral clearing 多边/双边清算
Exercises and Key to Exercises
（1）1.英格兰银行 Bank of England 2.银行营业部
the central bank system in the United States : FED ---- The Federal Reserve System.
the central bank system in Britain (part A):
Bank of England
Now, let’s turn to the FED. Please try to find out the differences between the central bank system in British and the United States.
Language Points(语言点）
6. acquisition knowledge acquisition 知识收集 language acquisition 语
言习得 lump-sum acquisition 总价采购 real estate acquisition
不动产购置 7. finance n. 财务；金融；资金v.为（计划等）提供资金，
Language Points(语言点）
9. discount n. 折扣，贴现 bank discount 银行折扣，银行贴现 cash discount 付
现折扣 compound discount 复利贴现 customary discount 行
外汇清算 multilateral/bilateral clearing 多边/双边清算
Exercises and Key to Exercises
（1）1.英格兰银行 Bank of England 2.银行营业部
the central bank system in the United States : FED ---- The Federal Reserve System.
the central bank system in Britain (part A):
Bank of England
Now, let’s turn to the FED. Please try to find out the differences between the central bank system in British and the United States.
Language Points(语言点）
6. acquisition knowledge acquisition 知识收集 language acquisition 语
言习得 lump-sum acquisition 总价采购 real estate acquisition
不动产购置 7. finance n. 财务；金融；资金v.为（计划等）提供资金，
Language Points(语言点）
9. discount n. 折扣，贴现 bank discount 银行折扣，银行贴现 cash discount 付
现折扣 compound discount 复利贴现 customary discount 行
金融英语 chapter 1 money
Course Structure
• Chapter 1 Money, the Functions of Money and the Financial System • Chapter 2 The Banking system • Chapter 3 Interest Rate and Interest Rate Policies • Chapter 4 Money Market
• 铸币税（Seigniorage） • 也称为“货币税”。发行货币的组织或 国家的政府可以不需任何补偿地用纸制 货币向自己的居民换取实际经济资源， 从中攫取发行货币所产生的特定收益。 这部分由货币发行主体垄断性地享受 “通货币面价值超出生产成本”的收益， 就被定义为“铸币税”。Professional源自TermsQuestion
• When you buy a pair of jeans or a CD, for example, you never wonder whether the merchant will accept the bills and coins in your wallet as payment. • But suppose money didn't exist. How would you pay for the things you want to buy?
• 45．fund obligation基金负担
• 基金负担或称基金总数是指当时发行在 外的基金的总量
Professional Terms
• 58．monetary ease银根松动 • 银根monetary situation 指金融市场上的 资金供应。因中国1935年法币改革以前 曾采用银本位制，市场交易一般都用白 银，所以习惯上称资金供应为银根。 • 银根有紧松之分，判断依据是资金供需 状况。如果市场上资金供不应求，称为 “银根紧俏”或“银根紧”；市场上资 金供过于求，称为“银根松疲”或“银 根松”
金融英语课件
• 金匠发现在为客户保护货币时，存款 和取款往往相互冲销，这样保留在保险 箱的存款余额还算是稳定。
金融英语
• 8．The system of keeping one’s money on deposit with the goldsmith was safer than leaving money where it could be easily stolen, but it was a bit nuisance to have to visit the goldsmith each time money needed.
• 交易中介是交换所出售商品和服务时被 普遍接受的任何东西。玉米不是最终的 交换物而是最终交换物的中介。
金融英语
• 5 ． Rather than having to quote rate of exchange for each good in terms of every other good, as was the case in the barter economy, the price of everything could be measured in terms of corn.
• rate of inflation 通货膨胀率 scarce resources 稀缺资源
• social cost of funds 资 金 的 社 会 成 本 credit institution 信贷机构
• principal 资金 本金 基本财产 denomination
面值
金融英语
• 1. In any economy in which decision by individual economic units play a major role, interest rates perform several important function through which they exercise a pervasive influence over economic decision and performance, similar in scope to the influence of other economy-wide prices such as the exchange rate and the basic wage rate.
金融英语
• 8．The system of keeping one’s money on deposit with the goldsmith was safer than leaving money where it could be easily stolen, but it was a bit nuisance to have to visit the goldsmith each time money needed.
• 交易中介是交换所出售商品和服务时被 普遍接受的任何东西。玉米不是最终的 交换物而是最终交换物的中介。
金融英语
• 5 ． Rather than having to quote rate of exchange for each good in terms of every other good, as was the case in the barter economy, the price of everything could be measured in terms of corn.
• rate of inflation 通货膨胀率 scarce resources 稀缺资源
• social cost of funds 资 金 的 社 会 成 本 credit institution 信贷机构
• principal 资金 本金 基本财产 denomination
面值
金融英语
• 1. In any economy in which decision by individual economic units play a major role, interest rates perform several important function through which they exercise a pervasive influence over economic decision and performance, similar in scope to the influence of other economy-wide prices such as the exchange rate and the basic wage rate.
金融英语1PPT课件
CHAPTER 1
Investments - Background and Issues
整体概述
概述一
点击此处输入
相关文本内容
概述二
点击此处输入
相关文本内容
概述三
点击此处输入
相关文本内容
1-2
The Goals of Chapter 1
This chapter takes an overview of what we will learn in this text book
$22,198
Equipment and software
$3,811
Inventories
$1,634
Consumer durables
$3,843
Total
$45,199
1-8
1.2 A TAXONOMY OF FINANCIAL ASSETS
1-9
Major Classes of Financial Assets
– For individuals, the investment decision is associated with reducing current consumption and plan later consumption
Real Assets
– Assets used to produce goods and services, e.g., property, plant, or equipment
Debt (fixed income securities) (part 3)
– Money market instruments (short term, low risk)
Treasury bills or bank certificates of deposit
Investments - Background and Issues
整体概述
概述一
点击此处输入
相关文本内容
概述二
点击此处输入
相关文本内容
概述三
点击此处输入
相关文本内容
1-2
The Goals of Chapter 1
This chapter takes an overview of what we will learn in this text book
$22,198
Equipment and software
$3,811
Inventories
$1,634
Consumer durables
$3,843
Total
$45,199
1-8
1.2 A TAXONOMY OF FINANCIAL ASSETS
1-9
Major Classes of Financial Assets
– For individuals, the investment decision is associated with reducing current consumption and plan later consumption
Real Assets
– Assets used to produce goods and services, e.g., property, plant, or equipment
Debt (fixed income securities) (part 3)
– Money market instruments (short term, low risk)
Treasury bills or bank certificates of deposit
金融英语第4版电子课件
New Words and Expressions
• transfer 使转移 • withdraw 取（款） • bother 打扰 • cooperation 合作 • corridor 走廊 • rent 租借 • security 证券
New Words and Expressions
• insurance 保险 • fee 费用，专业服务费 • signature 签名 • authorize 授权，委托 • favor 关切，好意 • remit 汇出 • counterfeit 伪造的，假冒的
Background Information
• When a customer wants to see a manager, it’s necessary for a secretary to ask his or her name, title and purpose of coming. Usually, a customer is introduced to a manager, a junior to a senior. After introduction, there may also be a handshake, if it’s normal. As a rule, the manager reaches his or her hand to the customer, the senior to the junior. But very often the two would just smile and say “Hello” or “Hi” and then begin their conversation.
New Words and Expressions
unit1Financialsystem金融英语第一课省名师优质课赛课获奖课件市赛课一等奖课件
To sell bonds: maturity, rate of interest, operation To sell stock: ownership, a claim to profit
Ⅱ. Constitution of financial system
2. Financial intermediaries
current year.
2. allocation
allocation of capital allocation of resources
资本配置 资源配置
The total cost of the project was found on allocation to be the materials ₤ 255, labor ₤ 570, machine-hire ₤ 175, total ₤ 1000.
3. Other components of the financial system
33 system
Key words, phrases and special terms
1. allocate 2. deficit 3. investor 4. return 5. consumption 6. prospective 7. incentive 8. pose 9. maturity 10.mismatch 11. coordinate 12. intermediary 13. bond 14. stock
UK RBS 5 HSBC Holdings 汇丰集团 UK HBC 6 Wells Fargo & Co 美国富国银行 US
❖13 Goldman Sachs 高盛集团 US GS 14 BNP Paribas 法国巴黎银行 France BNPQY 15 Barclays Bank 英国巴克莱银行 UK BCS 16 Mizuho Financial Group 日本瑞穗金融集团 Japan MFG 17 Morgan Stanley 摩根士丹利企业 US MS 18 UniCredit 意大利联合信贷银行 Italy 19 Sumitomo Mitsui Financial Group 日本三井住友金融集团 Japan SMFJY 20 ING Bank 荷兰国际集团 Netherlands ING 21 Deutsche Bank 德意志银行 Germany DB 22 Rabobank Group 荷兰合作银行 Netherlands 23 Societe Generale 法国兴业银行 France SCGLY 24 Agricultural Bank of China 中国农业银行 China 25 Intesa Sanpaolo 意大利联合圣保罗银行 Italy IITSF
Ⅱ. Constitution of financial system
2. Financial intermediaries
current year.
2. allocation
allocation of capital allocation of resources
资本配置 资源配置
The total cost of the project was found on allocation to be the materials ₤ 255, labor ₤ 570, machine-hire ₤ 175, total ₤ 1000.
3. Other components of the financial system
33 system
Key words, phrases and special terms
1. allocate 2. deficit 3. investor 4. return 5. consumption 6. prospective 7. incentive 8. pose 9. maturity 10.mismatch 11. coordinate 12. intermediary 13. bond 14. stock
UK RBS 5 HSBC Holdings 汇丰集团 UK HBC 6 Wells Fargo & Co 美国富国银行 US
❖13 Goldman Sachs 高盛集团 US GS 14 BNP Paribas 法国巴黎银行 France BNPQY 15 Barclays Bank 英国巴克莱银行 UK BCS 16 Mizuho Financial Group 日本瑞穗金融集团 Japan MFG 17 Morgan Stanley 摩根士丹利企业 US MS 18 UniCredit 意大利联合信贷银行 Italy 19 Sumitomo Mitsui Financial Group 日本三井住友金融集团 Japan SMFJY 20 ING Bank 荷兰国际集团 Netherlands ING 21 Deutsche Bank 德意志银行 Germany DB 22 Rabobank Group 荷兰合作银行 Netherlands 23 Societe Generale 法国兴业银行 France SCGLY 24 Agricultural Bank of China 中国农业银行 China 25 Intesa Sanpaolo 意大利联合圣保罗银行 Italy IITSF
- 1、下载文档前请自行甄别文档内容的完整性，平台不提供额外的编辑、内容补充、找答案等附加服务。
- 2、"仅部分预览"的文档,不可在线预览部分如存在完整性等问题,可反馈申请退款(可完整预览的文档不适用该条件!)。
- 3、如文档侵犯您的权益，请联系客服反馈,我们会尽快为您处理(人工客服工作时间：9:00-18:30)。
If, revenues > expenditures If, revenues < exppluses fiscal deficits
Hence, governments usually use two methods to cover fiscal deficits. One is raise tax rate (it may cause dissatisfaction from the public directly), another is to issue treasury bonds to cover deficits (it means the government will borrow money from the public and guarantee to repay principal with interests to the public in the future).
your own money or issue stock to public
to raise capital
borrow money from bank or issue corporate
bonds to public
C. Finance (from corporate perspective), in Chinese means “公司财务”.
For a company, its assets are composed of equity (所 有者权益/自有资金）and liabilities (负债）.
Assets = Equity + Liabilities
b) direct finance, with investment banks as intermediaries:
providing funds
thru buying shares
investors (lender)
a company (borrower)
dividends
A company Acquires long-term funds by issuing stocks to the public. And the investors become the shareholders (owners) of the company. The shareholders have the voting powers and make decisions on some important issues of the company.And the company will give the dividends to the shareholders in the future if making profits.
Prospects
A. Finance v. Provide capital (money) and capital movement，with financial institutions as intermediaries, in Chinese means “融 资”.
a) inAdicroemcptafniny aBnorcreo,wws sihthorct-otemrmmfeurncdisaflrobmancokmsmaesricniatlebramnkesd. iAanrdieist :is a
International Finance
The Score Arrangement
Total Score = Ordinary (30%) + Final Exam (70%)
Introduction To “Finance” From National, Corporate, And Personal
B. Finance (from national perspective) n. in Chinese means “国家财政”.
Governments obtain revenues from collecting taxes and use these revenues for public expenditures, such as social welfare, military expenditures, education, environmental protection, and so on.
Bank (lender) Public investors
capital
a company (borrower)
principal with interests
A company may borrow long-term funds by issuing long-term corporate bonds to the public. It is a temporary transfer of ownership of funds from the bond buyers (investors) to the company. And the company promises to pay back the principal with interests to the bond buyers in the future. Here, commercial or investment banks play the role of financial intermediation and collect fees for this services, instead of interests.
temporary transfer of ownership of funds from the bank to the borrower, and the borrower promises to pay back principal with interests to the bank in the future.