武汉大学金融专业英语参考知识点整理
金融学基础（英语）复习资料
名词解释：Credit refers to a behavior of borrowing and lending with the feature of repayment of the principals plus interests . Financial markets refer to the whole of the places and activities of the financing and transactions of financial instruments. Sale on commission（推销）: It refers to the case in which investment bankers sell securities on behalf of issuers and earn from what they have sold, but have no obligation to take up what’s left as medium of Money demand refers to the quantity of money that the whole economy needs exchange, means of payment and store of value under certain economic condition. Inflation is a continuous and obvious rise of the price level caused by great increase of money supply and it reduces the purchasing power of each unit of a currency. 二1 General equivalent 一般等价物2 Public credit 国家信用3 Default risk 违约风险4 Repurchase agreement（RP）回购协议5 Interest-rate future 利率期货6 Re-discount 再贴现7 Compound interest 复利8 Liquidity preference 流动偏好即货币需求9 Speculative motive 投机动机10 Adverse selection 逆向选择11 Require reserves 存款准备金12 Overdraft 透支13 Time lag 时滞14 velocity of money 货币流通速度15 money stock 货币存量16 derivative deposit 派生存款17 excess reserve 超额储备18 Money multiplier 货币乘数19 Endogenous 内生性判断题T F 1. When a central bank carries out expansionary monetary policy, bank reserves R will increase. T F 2. The monetary base consists of banking system reserves and the currency held by the non-bank public T F 3. The moral hazard arises before a financial transaction begins. T F 4. As is subject to time limit, the commercial credit can only be short-term one. T F 5. Sale on commission refers to the case in which investment bankers sell securities on behalf of issuers and earn from what they have sold, but have no obligation to take up what’s what’s left. left. T F 6. 6. If If If a a a central central central bank bank bank wants wants wants to to to cool cool cool an an an inflationary inflationary inflationary boom, boom, boom, it it it will will will raise raise raise the the the discount discount discount rate, rate, which which will will will lead lead lead to to to a a a general general general interest interest interest rates rates rates rise rise rise for for for loans, loans, loans, decreasing decreasing decreasing the the the demand demand demand for for borrowing. T F 7. 7. A A A central central central bank bank bank is is is the the the financial financial financial institution institution institution that that that can can can gain gain gain profit profit profit in in in its its its operation operation operation and and businesses, but it is not a profit-seeker. T F 8. When a central bank carries out tight monetary policy, interest rates fall. T F 9. The theory of “Quantity theory of money” means that an increase in prices of all goods and and services services services leads leads leads to to to an an an increase increase increase in in in the the the supply supply supply of of of money money money when when when everything everything everything remains remains unchanged. T F 1010. Banker’s credit is an indirect credit . Banker’s credit is an indirect credit英译汉英译汉1. On the one hand, although the central bank does not make loans to enterprises and can not derive derive deposits deposits deposits directly, directly, it it controls controls controls the the the sources sources sources of of of commercial commercial commercial banks` banks` banks` money money money creation creation —the creation creation and and and supply supply supply of of of the the the monetary monetary monetary base; base; base; and and and on on on the the the other other other hand hand hand commercial commercial commercial banks` banks` banks` money money creation creation through through through taking taking taking in in in deposits deposits deposits and and and granting granting granting loans loans loans is is is based based based on on on the the the central central central bank's bank's bank's monetary monetary base. 一方面，尽管中央银行并不直接为企业发放贷款，尽管中央银行并不直接为企业发放贷款，也不能产生派生存款，也不能产生派生存款，也不能产生派生存款，但是中央银行却控但是中央银行却控制着商业银行创造货币的源泉——基础货币的供给和创造。
金融专业英语复习1
一、名词解释1、Financial system金融体系: 指一个经济体中资金流动的基本框架，它是资金流动的工具（金融资产）、市场参与者（中介机构）和交易方式（市场）等各金融要素构成的综合体。
P42、Treasury bill国库券:a short-term obligation that is not interest-bearingP243、fiat money不可兑现货币：指由政府发行的不能兑换成黄金或白银的货币，其购买力完全来自政府的权威和信誉 money that the government declares tobe legal tender although it cannot be converted into standard specie.P23 4、Monetary policy货币政策： the process by which the government,central bank,or monetary authority of a country controls the supply of money,availability of money, and interest rate ,in order to keep growth and stability of the economy. P375、discount loan贴息贷款:A loan on which the interest and financing charges are deducted from the face amount when the loan is issued P376、Chinese Banking Regulatory Commission:the watchdog for banks in china,responsible for making the rules and regulations for the financial and banking institutions it supervises. P507、consolidation合并：the merger or acquisition of many smaller companies into much larger ones P508、P/B ratio市净率:a ratio used to compare a stock's market value to its book value. P669、H-shares:shares of companies in china's mainland that are listed on Hong Kong Stock Exchange. P6610、Risk management:the process of identification,analysis and either acceptance or mitigation of uncertainty in investment decision-making.11、trust fund:property,especially money and securities,held or settledin trust. P7812、Quota配额:in international trade,a government-imposed limit on the quantity of goods and services that may be exported over a specified periodof time.(不确定P90)13、Balance of payments:14、Eurodollar欧洲美元:the dollar-denominated deposit in foreign banks outside the United States banks. P10515、Time deposit定期存款:the fixed-maturity account that cannot be withdrawn without advance notice. P10516、Floating exchange rate浮动汇率:a type of exchange rate regime whereina currency's value is allowed to fluctuate according to the foreign exchange market. P11417、Draft汇票：a written order from one person (the payer)to another,signed by the person giving it,requiring the person to whom itis addressed to pay on demand or at some fixed future date ,a certain sum of money,to either the person identified as payee or to any person presenting the bill. P14018、Secondary market: a financial market in which securities that have been previously issued can be resold. P15219、Security证券，抵押品：an investment instrument issued by a corporation,government,or other organization which offers evidence of debt or equity. P15220、common stock普通股:a share of ownership in a corporation carrying voting rights that can be exercised in corporate decisions. P163 21、Futures期货:a standardized contract,traded on a futures exchange,to buy or sell a certain underlying instrument at a certain date in the future,at a specified price.22、Option期权:a privilege sold by one party to another that offers the buyer the right,but not the obligation,to buy or sell a security at an agreed-upon price during a certain period of time or on a specific date.二、课后翻译题：1、共同基金是向大众出售股票的机构，并用由此所得的收益选择购买各种类型的股票或者债券，或者投资组合，或者同时购买股票和债券的投资组合。
金融专业英语 Unit 6 Insurance
Functions of insurance
Financing function
Sharing function
6.1.3 Functions of insurance
1. Compensation function Insurance is to provide compensation when particular risks occur. This is the basic function of insurance, and also the most important reasons why people or organizations underwrite insurance. It should be noted that the compensation function of insurance is the redistribution of social wealth. No additional wealth is created by insurance. Specifically, the benefits received by the party injured come from the other insurance policyholders whose interests are not harmed.
6.1.2 What is insurance
Main parties involved in an insurance
6.1.3 Fபைடு நூலகம்nctions of insurance
Compensation function
The function to avoid and reduce losses
湖北省考研金融学专业重点整理
湖北省考研金融学专业重点整理一、市场金融学市场金融学是金融学研究的一个重要分支领域，主要研究金融市场中的各种金融工具、金融交易和金融机构以及它们之间的相互关系和影响。
在湖北省考研金融学专业中，理解和掌握市场金融学的核心概念和理论是非常重要的。
1. 金融市场金融市场是指进行金融资产买卖和金融资金调剂的场所和组织，主要包括货币市场、债券市场、股票市场和衍生品市场等。
在金融市场中，投资者可以通过买卖金融资产实现资金增值和风险管理。
2. 金融工具金融工具是指在金融市场上可以交易和流通的各种金融资产，包括货币、债券、股票、期货、期权等。
了解不同类型的金融工具的特点和作用，对于金融学专业的考生来说至关重要。
3. 金融交易金融交易是指在金融市场上进行买卖和交换金融工具的活动，包括证券交易所内的交易和场外交易等。
掌握金融交易的基本流程和相关规定，有助于理解金融市场的运作机制。
4. 金融机构金融机构是指从事金融业务的各种组织和机构，包括商业银行、证券公司、保险公司和基金公司等。
了解金融机构的角色和职能，对于理解金融市场的运行和金融业的发展具有重要意义。
二、金融经济学金融经济学是金融学专业中的一门重要课程，涉及到许多与金融市场和金融机构相关的经济学理论和方法。
在湖北省考研金融学专业中，理解和掌握金融经济学的相关知识是非常重要的。
1. 金融中介理论金融中介理论是研究金融机构在资源配置中的作用和功能的理论体系。
通过金融中介，资金可以从资金的所有者（储户）流向资金的需求者（投资者），实现资源的有效配置。
2. 风险管理风险管理是金融经济学的重要内容，主要包括风险的识别、评估和管理等方面。
在金融市场中，风险是不可避免的，因此了解并掌握风险管理的相关理论和方法对于金融专业的考生来说是至关重要的。
3. 金融政策金融政策是指政府通过调节货币供应量、利率、金融市场等手段对经济活动和金融市场进行干预和调控的政策。
了解金融政策的制定和执行过程，对于理解金融市场的运行和金融业的发展具有重要意义。
金融专业英语 Unit 3 Commercial Bank
3.1 What is a Commercial Bank?
The establishment of a commercial bank shall meet the following requirements: (1) Articles of association conforming to the provisions of the Commercial Bank Law and the Company Law of the People’s Republic of China; (2) The minimum amount of registered capital in conformity with the provisions of the Commercial Bank Law; (3) Directors and senior managers with professional knowledge and working experience; (4) Having a sound organizational structure and management system; (5) Having business premises, safety measures and other facilities related to business that meet the requirements.
3.1 What is a Commercial Bank?
A commercial bank is a money-operated enterprise mainly engaged in industrial and commercial deposits and loans for the purpose of obtaining profits. Like other enterprises, it aims at making profits. However, commercial
金融行业英语词汇大全
金融行业英语词汇大全一、债券和股票- Bond（债券）- Stock（股票）- Share（股份）- Dividend（股息）- Equity（股权）- Coupon（利息券）- Par Value（面值）- Yield（收益率）- Maturity（到期日）- Initial Public Offering (IPO)（首次公开募股）二、投资和交易- Investment（投资）- Portfolio（投资组合）- Asset（资产）- Liability（负债）- Hedge Fund（对冲基金）- Mutual Fund（共同基金）- Stock Exchange（证券交易所）- Bull Market（牛市）- Bear Market（熊市）- Option（期权）三、银行和金融机构- Bank（银行）- Investment Bank（投资银行）- Central Bank（中央银行）- Retail Bank（零售银行）- Mortgage（抵押贷款）- Loan（贷款）- Interest Rate（利率）- ATM（自动取款机）- Credit Card（信用卡）四、风险管理和保险- Risk Management（风险管理）- Insurance（保险）- Underwriter（承销商）- Premium（保费）- Claim（索赔）- Policyholder（保单持有人）- Insurer（保险公司）- Reinsurance（再保险）- Actuary（精算师）- Catastrophe（灾难）五、国际金融- International Trade（国际贸易）- Foreign Exchange (Forex)（外汇）- Exchange Rate（汇率）- Tariff（关税）- Balance of Trade（贸易余额）- World Bank（世界银行）- International Monetary Fund (IMF)（国际货币基金组织）- Free Trade Agreement（自由贸易协议）- World Trade Organization (WTO)（世界贸易组织）- Globalization（全球化）以上是金融行业英语词汇大全的部分内容，希望对您有所帮助。
金融英语_复习大纲
A Guide to Course Review and Exam of Financial English1.Key Sentences for Comprehension （句子理解）Chapter 1: 1, 3, 6, 71.The field of finance refers to the concepts of time，money and risk and how theyare interrelated.3. Finance is used by individuals (personal finance)，by governments (public finance)，by business (corporate finance)，as well as by a wide variety of organizations including schools and non-profit organizations.6. Cash Budget is an estimation of the cash inflows and outflows for a business orindividual for a specific period of time.Cash budgets are often used to assess whether the entity has sufficient cash to fulfill regular operations and/or whether too much cash is being left in unproductive capacities.7. Budget is an estimation of the revenue and expenses over a specified future period of time.Chapter 3: 1, 2, 6, 111.The money market specialized in debt securities that mature in less than one year.2.Money market securities are very liquid，and considered very safe. As a result，they offer a lower return than other securities.6. A certificate of deposit (CD) is a time deposit with a bank.11. BAs are used frequently in international trade and generally only available toindividuals through money market funds.Chapter 4: 1, 2, 3, 6mercial banks are banking institutions that are geared more toward thelending of money to customers，rather than focusing on generating or raising money.2. A loan is a financial transaction in which one party (the lender) agrees to giveanother party (the borrow) a certain amount of money with the expectation of totalrepayment.3. Most loan applications are handled by banks or other professional lendinginstitutions. They may use any number of criteria to determine if a potential borrower is eligible for a loan.6. A savings account typically refers to an account in which one places money to earna small amount of interest.Chapter 10: 1, 5, 7, 81. A bond is simply an “IOU”in which an investor agrees to loan money to a company or government in exchange for a predetermined interest rate.A bond is fixed income security.5. The issuer of a bond is a crucial factor to consider，as the issuer’s stability is your main assurance of getting paid back.7. Generally speaking，bonds are exposed to five major types of risks: interest rate risk，purchasing power risk，business/financial risk，liquidity risk，and call risk.8. Most bond transactions can be completed through a full service or discount brokerage.Chapter 11: 1, 3, 4, 6, 71. A mutual fund is a professionally managed type of collective investment scheme that poors money from many investors and invests it in stocks，bonds，short-term money market instruments，and/or other securities.3.The advantages of mutual funds are professional management diversification，economies of scale，simplicity，and liquidity.4.The disadvantages of mutual funds are high costs over-diversification possible taxconsequences，and the inability of management to guarantee a superior return.6.Mutual funds have lots of costs.7. Costs can be broken down into ongoing fees (represented by the expense ratio) and transaction fees (loans).Chapter 13: 1, 2, 4, 7, 81.Futures are contractual agreements made between two parties through a regulatedfutures exchange. The parties agree to buy or sell an asset livestock，a foreign currency，or some other item —at a certain time in the future at a mutually agreed upon price.2. A futures contract is a binding agreement between a seller and a buyer to make(seller) and to take (buyer) deliver of the underlying commodity (or financial instrument) at a specified future date with agreed upon payment terms.4. It is possible to calculate a theoretical fair value for a futures contract. The fair value of a futures contract should approximately equal the current value of the underlying shares or index plus an amount referred to as the “cost of carry”.7.The key to any hedge is that a futures position is taken opposite to the position inthe cash market. That is，the nature of cash market position determines the hedge in the futures market.8. Participants in the futures market have been classified as either hedgers orspeculators.Chapter 14: 1, 3, 4, 6, 7, 81.An option is a contract giving the buyer the right but not the obligation to buy orsell an underlying asset at a specific price on or before a certain date.3. A call gives the holder the right to buy an asset at a certain price within a specificperiod of time.4. A put gives the holder the right to sell an asset at a certain price within a specificperiod of time.6.Buyers are often referred to as holders and sellers are also referred to as writers.7.The price at which an underlying stock can be purchased or sold is called thestrike price.8.The total cost of an option is called the premium，which is determined by factorsincluding the stock price，strike price and time remaining until expiration.2.Special Terms （术语互译）Chapter 1: Finance1.Hedge funds 对冲基金2.Financial risk management 金融风险管理3.Personal finance 个人财务4.Working capital 流动资本5.Capital budget 资本预算6.Cash budget 现金预算7.Savings account 储蓄账户Chapter 3: Money Market1.bankers’ acceptance (BA)银行承兑mercial paper 商业票据3.repurchase agreement (repos) 回购协议4.fixed-income security有固定收益保证的证券5.face (par) value 面值6.maturity date 到期日Chapter 4: Commercial Banks and Services1.telegraphic transfer (TT,T/T) 电汇2.term deposit 定期存款3.off balance sheet exposure 资产负债表外的风险4.principal 本金5.lines of credit (LOC) 信贷额度6.savings account 储蓄账户7.credit rating 信用等级8.money order 汇票Chapter 10: Bond Basicsernment Bonds 政府债券2.Municipal Bonds 市政债券3.Corporate Bonds 公司债券4.Zero-Coupon Bonds 零息债券5.Exposure to Risk 债券风险6.Treasury bond 长期国债（国库券）7.Treasury notes 中期国债8.Treasury bill 短期国库券9.Callable bonds 可赎回债券Chapter 11: Mutual Funds1.no-load fund 免佣基金2.aggressive growth funds 进取型增长基金3.capital gain 资本盈利4.economics of scale 规模经济5.professional management 专业管理6.equity funds 股票基金7.balanced funds 均衡基金8.specialty funds 专向基金9.index funds 指数基金 asset value (NA V) 资产净值Chapter 13: Futures Market1.futures market 期货市场2.financial futures 金融期货modity futures 商品期货4.initial margins 初始保证金5.futures transaction 期货交易6.futures position 期货头寸7.open outcry 公开叫价8.settlement price 结算价格9.date of delivery 交割期10.market order 市价订单Chapter 14: Options1.financial derivatives 金融衍生品2.hedging 套期保值3.premium 期权总成本4.strike price 敲定价格5.long position 多头；超买6.short position 空头；超卖7.intrinsic value 隐含价值8.employee stock option 员工认股权9.calls 看涨期权10.puts 看跌期权3.Key sentences for translation （单句翻译）Chapter 1: 5Chapter 3: 4Chapter 4: 6uChapter 10: 5Chapter 11: 2Chapter 13: 5Chapter 14: 2参考翻译（句子顺序为任意排列，复习时需要确保英汉对应）1.Business are classified into nonfinancial and financial business. These entities borrow funds in the debt market and raise funds in the eduity market.商业企业可分为非金融和金融两大类。
金融英语专业大全
金融英语专业大全一、金融英语入门知识1.1 金融英语的定义与作用金融英语是指在金融领域中使用的英语专业术语和表达方式。
由于金融领域的快速发展和国际化程度的提高，金融英语成为了金融从业人员必备的技能之一。
金融英语的学习和掌握可以帮助金融从业人员更好地进行跨国交流和开展国际业务。
1.2 金融英语的重要性在金融领域，准确无误的沟通和专业术语的运用至关重要。
金融英语能够帮助金融从业人员更好地理解和应用金融领域的知识，与国际同行进行有效的交流，并更好地服务于客户需求。
金融英语不仅能提高个人在金融行业中的竞争力，也是金融机构发展壮大的重要一环。
二、金融英语专业词汇2.1 金融市场与投资类词汇•Securities （证券）•Stocks （股票）•Bonds （债券）•Mutual funds （共同基金）•Futures （期货）•Options （期权）•Hedge fund （对冲基金）•Margin call （追加保证金）•Bull market （牛市）•Bear market （熊市）2.2 银行与金融机构类词汇•Bank （银行）•Credit union （信用合作社）•Commercial bank （商业银行）•Investment bank （投资银行）•Central bank （中央银行）•Mortgage （抵押贷款）•Loan （贷款）•Interest rate （利率）•ATM （自动取款机）•Credit card （信用卡）2.3 保险与风险管理类词汇•Insurance （保险）•Policy （保单）•Premium （保费）•Underwriting （承保）•Claim （索赔）•Risk management （风险管理）•Actuary （保险精算师）•Reinsurance （再保险）•Catastrophe bond （灾害债券）•Liability （责任）三、金融英语学习资源3.1 金融英语课程和培训•各大高校提供的金融英语专业课程•国际金融英语证书（IFEC）3.2 金融英语书籍与教材•《金融英语实用教程》•《金融会计学》•《金融英语词汇宝典》•《金融英语听说教程》3.3 学习网站和在线资源•Investopedia金融知识网站•Coursera在线学习平台•英语角金融英语学习社群四、金融英语实践技巧4.1 阅读金融英语资讯阅读金融英语资讯可以帮助拓宽金融行业的视野，熟悉不同领域的金融术语和表达方式。
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4. Such professional English shall greatly facilitate and benefit students in career development in international context.
Facilitate 促进，帮助，减轻…的困难
liability法律、契约的责任
to hold sb liable for sth 追究某人的责任
2. due to other banks同业存放 （应该是其他银行的）
due from other banks存放同业 （应该从其他银行取回的）
3.proceeds具体一笔业务或交易所涉及的款项
proceeds from disposal of used truck 处置旧卡车所得
Ⅴ.Translate the Following Statement of Cash Flows/Balance Sheet/ Letter of Credit into Chinese (20’)
2.positive and upbeat attitude; insightful idea organization,logicreasoning,well-wovenstructural paragraph and discourseorganization, good facility with the language seen in variable sentences and above all, high quality diction.
positive and upbeat attitude积极乐观向上的
insightful 深度的
goodfacility with精通
high quality diction遣词
3. With China’s accession to WTO, such positions place anincreasingly high premium on one’s professionalEnglish.In other words, financial institutions are inclined to give priority to people with expatriate experience or professionalEnglish, which accounts for why students of our department attach importance to studying professionalEnglish.
As opposed to 相对于
Chase of 追逐
Bank run 银行挤兑
Modest decrease 稍稍一点下降
have the access to得到，享受到，接触到
Premise前提premises房产，契约的前言
Assets and liabilities资产负债Claims and obligations 债权债务
offering 非竞争性报价，相对于询价而言
bid 竞争性报价的总价，标价
quotation 市场价，投标价格中子项目的报价
该业务没有义务接受任何一个或所有的他收到的标价（即没有义务对非中标者进行补偿）有义务拆除旧城区，有权利把成本计入标价。
5.Under, in light of, according to, in accordance with, on a…basis
Obligation，liability，responsibility，commitment，pledge，duty
Technology transfer技术转移equity assignment权益转让
1. In Englishobligation, liability , responsibility，commitment, pledge or duty in the end refer to debt( including manyconcealedforms), we shall develop students to be in the position to read between lines.
Awaken…to 让…认识到
Decent 正派的，正统的
3.Shed light on students’ appreciation of Criteria forprofessionalEnglishso that students can achieve the transition from general English toward professional English.
5. Under this Clause, the client of the project is not bound to accept any or all bids he has received.
Client业Байду номын сангаас be bound to有义务
1. responsibility一般意义上的责任
concealedforms 隐藏形式
in the position to 能力，权利到…份上
read between lines 读懂暗含意思
2.Awaken students to whata decentEnglish might mean to their career development.
Your C/D (Certificate of Deposit) will not become valid unless we succeed in collecting the proceeds from that US issuing bank.
4. Invitation for Bids招标
1.Ⅰ.Concept Check概念简述（10’）
Ⅱ.C-E Translation of Specialized Terms(60 * 0.5 =30’)
Ⅲ.C-E Sentence Translation (4*4+9=25’)
Ⅳ.E-C Sentence Translation (10*2+5=15’)
in accordance with 用于法律中，比according to更严肃
in light of（+动态变量）按实际情况
in light of local conditions 因地制宜
on a…basis 按照规则+（游戏规则）
Workers shall be paid on a piece basis while cleric staff shall be paid on a time basis.文员按时计酬