金融英语
Task: Acquire terms, substitutes, and cross-reference words on pp. 49, 298. Ch 4. Financial System Financial institutions (45-1)
Financial institutions sell financial products as follows:
https://www.360docs.net/doc/6912818977.html,mercial banks take in deposits and make short-term loans to borrowers.
2.Building societies in Britain receive deposits and lend home loans/mortgages to home-buyers.
3.Insurance companies sell auto, house, and life insurance policies and invest in secured bonds.
4.An investment trust sells its shares on stock exchanges and invests in stocks and bonds.
A mutual fund (US)
5.Venture capital companies invest funds in risky start-ups for their clients.
Financial markets (45-1)
Financial markets: where lenders and borrowers buy and sell financial products.
1. A money market is a short-term financial market where money are lent and borrowed for less a
year.
2. A stock exchange (NYSE) is a capital market where qualified companies can raise funds by
selling their shares to the public.
3.Foreign exchange markets allow people to buy and sell foreign currencies.
4.Payment facilities are loans, credit facilities, arrangements with banks or suppliers to pay for
goods on a future date.
5.Discount house 贴现公司A financial company which buys and sells bills at a discount.
6.Bills of exchange:汇票a written order instructing (the importer) to pay an exporter a certain
sum on a given date
7.Bills: a statement of money owned for goods or services. 账单
8.To give the highest returns: product return on investment
Banks turn down requests for loans (46-2-3)
1.Request for loan: apply for credit or finance
2.Turn down requests for loans: reject
3.Feel hard done by：feel ill-treated
4.V ociferous in their complaints: voice loudly one’s grievance/criticism
5.Wield over substantial sums : control a large amount of money
6.Secure cheep finance : obtain loans at relative lower interest rates
7.Official enquiries into financial systems
8.Evaluation of financial system : assessment of
https://www.360docs.net/doc/6912818977.html,plement by a knowledge of users’ requirements: balance
Participants in a financial system (46-4-5)
1.capital goods : land, plant and equipment purchased for production
2.Financial intermediaries：institutions
3.Financial brokers and advisers
4.Regulator The Federal Reserve is the US government watchdog in banking market.
5.Periphery, margin
6.Rationale for its existence :logic, justification
7.Raise long-term capital: to obtain money or organize loans
To finance expenditure: provide money to pay for expenses (47-1)
1.Run down savings : reduce, decrease
https://www.360docs.net/doc/6912818977.html,e balance : the remaining amount of money in the bank account
3.Economic agent: financial traders
https://www.360docs.net/doc/6912818977.html,anize their financing : arrange to raise funds to pay for
Financial intermediaries (47-2)
1.lenders and borrowers.
2.Savers hold their bank deposits.
3.Borrowers like to obtain long-term loans.
4.Reconcile divergent requirements: bring together
5.Value/assess bank services/products in their own right/according to their own requirements.
6.Money transmission facilities: send money via bank arrangement, remit
7.corporate finance: company funding
8.Insurance companies sell life assurance coverage. Policy
Compete for saving and lending business in (47-3)
1.Strike a fair bargain : reach an agreement on a price
2.securities brokers and advisers
3.Money-market brokers search out counterpart. Lenders search for borrowers
4.Obviate the needs for borrowers : anticipate and eliminate, reduce transaction costs
5.Market makers: a person or brokerage house that is always prepared to buy and sell securities in
order to provide liquidity to the markets
6.Professional dealers/ Toyota dealers selling only Toyota vehicles
A danger of fraud and malpractice (47-4) deception and illegal conducts
1.Regulate dealings/supervise transactions
2.honor their commitments: perform their promises
3.Enter into contract : sign the contract
4.Prudential regulations: cautious supervision
5.Booms and slumps in the economy : prosperity and recession in business cycle
6.curb credit expansion : tighten loan expansions
Financial instruments (48- 2)
IOU借据 a signed financial document stating that I owe you money.
A certificate of deposit issued by a bank states that it owes a sum of money to the depositor, and
will repay it on a specified date with a promised interest.
1.Claim 权证demand for or being entitled to repayment of a sum of money
2.Is entitled to repayment at a specified date. Having the legal right to receive money on a due date
3.Loans 贷款are money lent and liabilities of a borrower,
4.Repayable on demand 可应要求支付的: required to repay at the owner’s request
5.Ordinary shares普通股: a security representing a unit of the nominal capital of a company
6.Confer on their owners the right to a share: grant, give
7.Derivative financial instruments衍生金融工具
Susceptibility to loss of value due to inflation (48 -3) being exposed to
1.On the one hand deposits and loans
2.Repayment of capital/principal: the amount of investment, a debt
https://www.360docs.net/doc/6912818977.html,pany’s surplus income/profit
4.Secured on assets/ borrower’s assets are used as collaterals for loans.
5.financial performance/results
6.The risk of loss of invested capital or returns on investment (ROI)…
7.equity assets: shares, stocks
8.Possibility of gain: prospect for return on investment
9.Loans outstanding: debt remain to be paid
Liquidity (48-4)
1.Maturity date: the due date to repay (the debt)
2.Marketability: (products) easily sold at market prices.
3.Elapse: pass
4.Mortgage: a loan to buy a house which is used as a security for the loan.
5.Sold at short notice
Real-value certainty (49-2)
1.The promised, expected and actual returns on investment
2.Returns of bank deposits are fixed at the nominal interest rates.
3.Returns on ordinary shares may rise in the short term, but fall in the long term.
4.The values of a property are its rents or sale and depend on the general price changes over times.
5.Ordinary shares stand a good chance of doing
6.Rise in line with general price level
7.Prolonged periods
8.This does not hold good/valid/true.
9.The same goes with property where : real estate
10.Rents are expected to mirror price changes.
11.Share prices fluctuate. Move up and down, rise and fall
Secure cheap finance
To finance expenditures
To organize their financing
Chapter 4 The financial system:
Financial institutions are classified into (45-1)
1.Banks offer payment facilities, like convenient savings, access to home loans.
2.Insurance companies sell life insurance policies.
3.Investment trusts manage and invest clients’ investments in ventures.
4.Venture capital companies provide start-ups with funds for growth.
5.Financial markets are classified into (45-1)
6.New York Stock Exchange (NYSE) is a capital market for qualified companies which can raise
funds by selling their shares to retain or institutional investors.
7.Money market货币市场(45-1) is markets where traders have access to short-term credit
facilities , i.e. companies can borrow funds, take out loans from banks (Bank of Beijing) and must repay them within a year’s time.
8.Foreign exchange markets offer services in buying and selling foreign currencies.
9.Payment facilities are loans, credit facilities, arrangements with banks or suppliers to pay for
goods in a later date.
10.Allocation of resources to uses
11.To give the highest returns
12.Banks turn down requests for loans (46-2-3)
13.Feel hard done by
14.V ociferous in their complaints
15.Wield over substantial sums
16.Secure cheep finance
17.Official enquiries into financial systems
18.Evaluation of financial system (-3)
19.Must be complemented by a knowledge of users’ requirements
20.Participants in a financial system are classified into (46-4-5)
21.Savers are people whose
22.Investors are traders who want to buy capital goods
23.Financial intermediaries
24.Brokers and advisers
25.Regulators
26.Periphery
27.Rational for its existence
28.Raise long-term capital to pay off
29.To finance expenditure (47-1)
30.Run down savings accumulated from earnings
https://www.360docs.net/doc/6912818977.html,e balances
32.Economic agents
https://www.360docs.net/doc/6912818977.html,anize their financing
34.Financial intermediaries (47-2)
35.Serve both lenders and borrowers.
36.Savers hold their savings for bank deposits.
37.Borrowers like to obtain long-term loans.
38.Reconcile divergent requirements
39.Value bank services in their own right
40.Money transmission facilities
41.Banks offer advice on corporate finance.
42.Insurance companies sell life assurance coverage.
https://www.360docs.net/doc/6912818977.html,pete for saving and lending business in (47-3)
44.Strike a fair bargain
45.securities brokers and advisers
46.Money-market brokers search out counterparts.
47.Obviate the needs for borrowers
48.Market makers
49.Professional dealers
50.A danger of fraud and malpractices (47-4)
51.Regulate dealings in securities markets
52.Ensure them to honour their commitments
53.Enter into contract
54.Prudential regulations
55.Booms and slumps in the economy
56.Intimate connection between money, credit and economic stability
https://www.360docs.net/doc/6912818977.html,pel governments to curb credit expansions
58.Financial instruments (48- 2)
59.IOU: I owe you.
60.Claims:
61.Loans are liabilities of borrowers.
62.Repayable on demand
63.Ordinary shares
64.Confer on their owners the right to a share
65.Derivative instruments
66.Susceptibility to loss of value due to inflation 3
67.Susceptibility to loss of value due to inflation (48 -3)
68.Secured on assets
69.The risk of loss
70.Equity assets
71.Loans outstanding
72.Liquidity (48-4)
73.Maturity
74.Marketability
75.Elapse
76.Mortgage loans due for repayment after 25
77.Sold at short notice
78.Real-value certainty (49-2)actual returns on investment (46-1)
79.Values of deposits are not fixed in money (nominal) terms.
80.Ordinary shares stand a good chance of doing
81.Rise in line with general price level
82.Prolonged periods
83.This does not hold good.
84.The same goes with property where
85.Rents are expected to mirror price changes.
86.Shares may fluctuate in price.
金融专业英语阅读(答案)
Lesson One Translate the following passage into Chinese 1.紧缩性货币政策和扩张性货币政策都涉及到改变一个国家的货币供应量水平。 扩张性货币政策增加货币供应量，而紧缩性货币政策会减少货币供应量。 2.当联邦储备体系在公开市场上购买有价证券，会引起证券价格上涨。债券价格 和利率成反比关系。联邦贴现率就是一种利率，因此降低联邦利率实际上就是 降低利率。如果联邦储备系统决定降低法定储备要求，那么银行能够进行投资 的资金会增加。这会引起投资比如债券价格的上涨，因此利率会降低。无论联 邦储备体系用何种方法来增加货币供应量，利率都会降低，债券价格会上涨。 Translate the following sentences into English 1. China would maintain a stable currency and prudent monetary policy, and expected to stay within its growth and inflation targets this year 2.China would also maintain a prudent monetary policy to support economic development while preventing inflationary pressure and financial risks 3. China’s economy continued to grow steadily and rapidly in the first quarter, with investment in fixed assets slowing and domestic consumption accelerating. 4.because of China’s large increase in its trade surplus and foreign exchange reserves in the first quarter, the effectiveness of its monetary policy — used to help control inflation — was facing “serious challenges.” 5. The central bank would seek to further streamline its foreign exchange system to facilitate the orderly outflow of funds. At the same time, it would tighten the management of foreign exchange inflows and settlement. —Three Translation: Translate the following passage into Chinese 1．外汇交易当然是指两种不用货币之间的交易了。每一组货币的交易或“买卖”都包含两个部分。一个是即期市场，在这个市场中支付（交付）需在交易时立即进行（在实际操作中一般是在第二个交易日进行），另一个就是远期市场。远期市场的汇率是在交易的时候就先确定了，但实际的交易，或交付则是在未来的某个特定时间进行的。 2．外汇交易期权是指一种货币和另一种货币在未来进行交付的一个合同，在此合同中，
金融英语原文
金融英语原文 A Guide To Loan Payment Protection Insurance Loan payment protection insurance can be taken out at the time of borrowing, lenders will in fact try to push the cover with their loans to grab back profits and make up for the cheap loan. Of course this is one of the dearest ways of protecting the money you are borrowing against the fact that you might be unable to work due to an accident or sickness. It would also provide you with an income if you should become unemployed due to redundancy. So when taking on a loan or credit card always make sure that you choose to cover the borrowing by buying it independently. High street lenders at one point would sometimes add cover onto the borrowing without you being aware of what you were taking on. However for the most part this has changed since the intervention by the Financial Services Authority. It is always worthwhile making sure that it hasn't been added onto the loan you are taking out. Policies taken with a standalone provider are one of the cheapest ways to protect your borrowing and in order to get the cheapest loan payment protection insurance quote you have to compare with several providers. The premium that is charged for the protection is based on the amount that you wish to cover each month up to a certain amount and your age. Age based insurance makes payment protection products affordable for all. The amount you insure against is what you would receive if you should become incapacitated or unemployed. You can protect not only your loan repayments but also any credit card debts you have. As more and more people turn to using "plastic" to get by, covering your borrowings is essential. When the policy would payout and for how long would all depend on the provider you chose to go with. Therefore it is essential to read the small print
常用金融英语词汇的翻译知识讲解
常用金融英语词汇的 翻译
常用金融英语词汇的翻译 acquiring company 收购公司 bad loan 呆帐 chart of cash flow 现金流量表 clearly-established ownership 产权清晰 debt to equity 债转股 diversity of equities 股权多元化 economy of scale 规模经济 emerging economies 新兴经济 exchange-rate regime 汇率机制 fund and financing 筹资融资 global financial architecture 全球金融体系 global integration, globality 全球一体化，全球化 go public 上市 growth spurt （经济的）急剧增长 have one's "two commas" 百万富翁 hedge against 套期保值 housing mortgage 住房按揭 holdings 控股，所持股份 holding company 控股公司 initial offerings 原始股 initial public offerings 首次公募 innovative business 创新企业 intellectual capital 智力资本 inter-bank lending 拆借 internet customer 网上客户 investment payoff period 投资回收期 joint-stock 参股 mall rat 爱逛商店的年轻人 means of production 生产要素 (the)medical cost social pool for major diseases 大病医疗费用社会统筹mergers and acquisitions 并购
英文版国际金融试题和答案
PartⅠ.Decide whether each of the following statements is true or false (10%)每题1分，答错不扣分1. If perfect markets existed, resources would be more mobile and could therefore be transferred to those countries more willing to pay a high price for them. ( T ) 2. The forward contract can hedge future receivables or payables in foreign currencies to insulate the firm against exchange rate risk. ( T ) 3. The primary objective of the multinational corporation is still the same primary objective of any firm, i.e., to maximize shareholder wealth. ( T ) 4. A low inflation rate tends to increase imports and decrease exports, thereby decreasing the current account deficit, other things equal. ( F ) 5. A capital account deficit reflects a net sale of the home currency in exchange for other currencies. This places upward pressure on that home currency’s value. ( F ) 6. The theory of comparative advantage implies that countries should specialize in production, thereby relying on other countries for some products. ( T ) 7. Covered interest arbitrage is plausible when the forward premium reflect the interest rate differential between two countries specified by the interest rate parity formula.( F ) 8．The total impact of transaction exposure is on the overall value of the firm. ( F ) 9. A put option is an option to sell-by the buyer of the option-a stated number of units of the underlying instrument at a specified price per unit during a specified period. ( T ) 10. Futures must be marked-to-market. Options are not. ( T ) PartⅡ:Cloze (20%)每题2分，答错不扣分 1. If inflation in a foreign country differs from inflation in the home country, the exchange rate will adjust to maintain equal( purchasing power ） 2. Speculators who expect a currency to ( appreciate ) could purchase currency futures contracts for that currency. 3. Covered interest arbitrage involves the short-term investment in a foreign currency that is covered by a ( forward contract ) to sell that currency when the investment matures. 4. （Appreciation/ Revalue ）of RMB reduces inflows since the foreign demand for our goods is reduced and foreign competition is increased. 5. ( PPP ) suggests a relationship between the inflation differential of two countries and the percentage change in the spot exchange rate over time. 6. IFE is based on nominal interest rate ( differentials ), which are influenced by expected inflation. 7. Transaction exposure is a subset of economic exposure. Economic exposure includes any form by which the firm’s ( value ) will be affected. 8. The option writer is obligated to buy the underlying commodity at a stated price if a ( put option ) is exercised 9. There are three types of long-term international bonds. They are Global bonds , ( eurobonds ) and ( foreign bonds ). 10. Any good secondary market for finance instruments must have an efficient clearing system. Most Eurobonds are cleared through either ( Euroclear ) or Cedel. PartⅢ:Questions and Calculations (60%)过程正确结果计算错误扣2分 1. Assume the following information: A Bank B Bank Bid price of Canadian dollar $0.802 $0.796 Ask price of Canadian dollar $0.808 $0.800 Given this information, is locational arbitrage possible?If so, explain the steps involved in locational arbitrage, and compute the profit from this arbitrage if you had $1,000,000 to use. (5%) ANSWER: Yes!One could purchase New Zealand dollars at Y Bank for $.80 and sell them to X Bank for $.802.With $1 million available, 1.25 million New Zealand dollars could be purchased at Y Bank.These New Zealand dollars could then be sold to X Bank for $1,002,500, thereby generating a profit of $2,500. 2. Assume that the spot exchange rate of the British pound is $1.90.How will this spot rate adjust in two years if the United Kingdom experiences an inflation rate of 7 percent per year while the United
金融英语
mortgage抵押barter物物交换rates of exchange汇率credit union信用社 double coincidence of wants需求双重巧合stock index股票指数 surplus unit资金盈余单位deficit unit资金短缺单位 a means of payment for goods购货的支付手段repayment of debts债务偿还interest rate fluctuation利率波动financial asset金融资产money supply货币供给checking account支票账户Federal Reserve note联邦票据Federal Reserve bank联邦银行market mutual funds市场互助资金overnight loans隔夜贷款financial institution金融机构economic life经济生活be converted into转换成 a medium of exchange交换媒介unit of account记账单位stock market股票市场circulate流通，发行suspend使中止quota配额，定额，限额agreement协定，协议redeem将(纸币)兑换成硬币，用(股票等)兑取现金 inflation通货膨胀，(物价)暴涨appreciate增值，涨价surveillance看守，监视，监督，检查International Monetary System国际货币体系balance of payments收支平衡International Monetary Fund (IMF)国际货币基金(组织) Bretton Woods System布雷顿森林体系The General Agreement on Tariffs and Trade(GATT)关贸总协定par value面值IMF system国际货币基金体系paper gold/SDRs纸黄金/特别提款权favorable payments balances国际收支顺差the gold standard金本位The Jamaica System牙买加体系Plaza Agreement广场协议Louvre Accord卢浮宫协议European Monetary System欧洲货币体系security证券denomination(货币)计值单位，面额commission佣金marketable适于销售的auction拍卖yield收益，回报default违约secure抵押，担保acceptance承兑fraudulent欺诈的fixed interest income固定利息收入bearish market 熊市bullish market牛市risk/return tradeoff风险回报考量mutual fund互助资金coupon bonds息票债券compound bonds复利time deposit定期存款tie up占用，冻结secondary market二级市场account receivable应收账款money market investment货币市场投资cash investment现金投资money market instrument货币市场工具Treasury Bills(T-bills)国债，国库券certificate of deposit(CD)大额存单commercial paper商业票据bankers’ acceptance银行承兑汇票Eurodollars欧洲美元repo回购协议dividend红利，股息hedge套期保值opportunity cost机会成本preferred stock优先股real assets不动产common stocks普通股EPS(Earning Per Share)每股收益fall short of不符合，达不到investment decision投资决策real interest rate实际利率excepted returns预期回报personal risk个人风险timing risk时机风险tenure risk时期风险company risk公司风险financial risk财务风险management risk管理风险market risk市场风险liquidity risk流动风险interest risk利率风险inflation risk通货膨胀风险exchange rate risk汇率风险reinvestment risk再投资风险national and international risk国家和国际风险 economic risk经济风险industry risk工业风险tax risk税收风险political risk政治风险impact作用，影响survival生存havoc破坏，混乱unpredictability不可预期swap掉期，互换，做交易subsidiary子公司，辅助物indebtedness亏欠，欠债invoice发票，开发票offset抵消，冲销，补偿monetary units货币单位foreign currency外币in the absence of缺少，如果没有forward foreign exchange market远期外汇市场foreign currency swap外汇掉期spot transaction即期交易forward transaction远期交易parent company母公司home currency本币forward delivery远期交割set off抵消，抵补citizenship公民credit贷记debit借记reserve储备resident居民multinational corporations跨国公司balance of payments国际收支double-entry bookkeeping复式记账法capital and financial account资本与金融账户
金融专业英语词汇表
金融专业英语词汇表 accelerated depreciation 加速折旧 acceptor 承兑人；受票人；接受人 accommodation paper 融通票据；担保借据 accounts payable 应付帐款 accounts receivable 应收帐款 accrual basis 应计制；权责发生制 accrued interest 应计利息 accredited investors 合资格投资者；受信投资人 指符合美国证券交易委员(sec)条例，可参与一般美国非公开(私募)发行的部份机构和高净值个人投资者 accredit value 自然增长值 ace 美国商品交易所 acid test ratio 酸性测验比率；速动比率 across the board 全面一致；全盘的 acting in concert 一致行动；合谋 active assets 活动资产；有收益资产 active capital 活动资本 actual market 现货市场 actuary 精算师；保险统计专家 adb 亚洲开发银行
adr 美国存股证；美国预托收据；美国存托凭证 ad valorem 从价；按值 affiliated company 关联公司；联营公司 after date 发票后，出票后 after-market 后市 agm 周年大会 agreement 协议；协定 all-or-none order 整批委托 allocation 分配；配置 allotment 配股 alpha (market alpha) 阿尔法；预期市场可得收益水平 alternative investment 另类投资 american commodities exchange 美国商品交易所 american depository receipt 美国存股证；美国预托收据；美国存托凭证 (简称“adr ”参见adr栏目) american depository share 美国存托股份 amercian stock exchange 美国证券交易所 american style option 美式期权 amex 美国证券交易所 amortizable intangibles 可摊销的无形资产 amortization 摊销
金融英语范文
金融英语范文金融英语（术语） inflation 通货膨胀 deflation 通货紧缩 tighter credit 紧缩信贷 moary policy 货币政策 foreign exchange 外汇 spot transaction 即期交易 forward transaction 远期交易 option forward transaction 择期交易 swap transaction 调期交易 quote 报价
settlment and delivery 交割 treasury bond 财政部公债 current-aount 经常项目 pickup in rice 物价上涨 federal reserve 美联储 buying rate 买入价 selling rate 卖出价 spread 差幅 contract at par 平价 premium 升水
discount 贴水 direct quoation method 直接报价法 indirect quoation method 间接报价法 dividend 股息 domestic currency 本币 floating rate 浮动利率 credit swap 互惠贷款 venture capital 风险资本 book value 帐面价值 physical capital 实际资本
ipo(initial public offering) 新股首发；首次公开发行 job machine 就业市场welfare capitalism 福利资本主义 collective market cap 市场资本总值 glolbal corporation 跨国公司 transnational status 跨国优势 transfer price 转让价格 consolidation 兼并 leverage 杠杆 financial turmoil/meltdown __ file for bankruptcy 申请破产 bailout 救助 take over 收购
金融英语单词
equilibrium theory 均衡理论 mechanical models of the economy 机械经济模型macroeconomic management 宏观经济管理 demand management 需求管理 nationalization 国有化 social security 社会保障 unemployment benefit 失业救济 counter-cyclical monetary and fiscal policies 反周期-货币与财政政策time lags 时滞 Monetarism 货币学派 trade unions 工会 aggregate demand 总需求 conventional wisdom 普遍流行观点 Keynesianism 凯恩斯主义 economic behavior 经济行为 economic model 经济模式 the principle of comparative advantage 比较优势法则 the theory of income determination 收入决定论 the circular flow model 循环流向图 fiscal policy 财政政策 merchant capitalism 商业资本主义 Industrial Revolution 工业革命 the Great Depression 大萧条 imperfect competition 不完全竞争 possibilities frontier （生产）可能性界限 exchange rate 汇率 checking account 经常账户支票账户 savings and loan association 储蓄与贷款协会 foreign exchange rate 外汇汇率 junk bond crisis 垃圾债券危机 bank failure 银行倒闭 savings and loan crisis 储蓄贷款危机 Federal Reserve System 联邦储备银行系统 personal finance 个人理财 business finance 公司财务 international finance 国际金融 public finance 公共财政 risk of loss 亏损的风险 medium of exchange 交换手段 fiat money 法币 legal tender 法定货币 IOU 借据欠条 business day 工作日 electronic means of payment 电子支付手段
《金融专业英语》习题答案
Chapter One Functions of Financial Markets 一．Translate the following sentences into Chinese. 1.China’s banking industry is now supervised by the PBC and CBRC. In addition, the MOF is in charge of financial accounting and taxation part of banking regulation and management. 目前中国银行业主要由中国人民银行和银监会进行监管。此外，财政部负责银行业监管的财务会计及税收方面。 2.Currently Chinese fund management companies are engaged in the following business: securities investment fund, entrusted asset management, investment consultancy, management of national social security funds, enterprise pension funds and QDII businesses. 目前中国的基金管理公司主要从事以下业务：证券投资基金业务、受托资产管理业务、投资咨询业务、社保基金管理业务、企业年金管理业务和合格境内机构投资者业务等。 3.China's economy had 10% growth rate in the years before the world financial crisis of 2008. That economic expansion resulted from big trade surpluses and full investment. Now China is seeking to move away from that growth model. The country is working to balance exports with demand at home. 在2008年世界经济危机之前的那些年，中国经济增长速度曾达到10%。这一经济增长源于巨额贸易盈余和大量投资。中国现在正在寻求改变这一增长模式。中国正致力于平衡出口和国内需求。 二．Translate the following sentences into English 1.中国商业银行监管的程序是市场准入监管、市场运营监管和市场退出监管。 Regulatory procedures of China’s commercial banks are market access regulation, market operation regulation and market exit regulation. 2.国务院关于推进资本市场改革开放和稳定发展的若干意见。 Some opinions of the State Council on promoting the reform, opening and steady growth of the capital market 3.只有建立合理的股权结构，才能保证公司取得好的经营业绩。 Only establishing reasonable ownership structure can guarantee perfect corporate performance. 4.该公司股票暴跌，被伦敦交易所摘牌。 The company’s stock nosedived and it was delisted from the London exchange.
金融英语词汇
ABS 资产担保证券（Asset Backed Securities的英文缩写） Accelerated depreciation 加速折旧 Acceptor 承兑人；受票人；接受人 Accommodation paper 融通票据；担保借据 Accounts payable 应付帐款 Accounts receivable 应收帐款 Accrual basis 应计制；权责发生制 Accrued interest 应计利息 Accredited Investors 合资格投资者；受信投资人---指符合美国证券交易委员(SEC)条例，可参与一般美国非公开(私募)发行的部份机构和高净值个人投资者 Accredit value 自然增长值 Accrediting 本金增值--- 适用于多种工具，指名义本金在工具（如上限合约、上下限合约、掉期和互换期权）的期限内连续增长。 ACE 美国商品交易所 Acid Test Ratio 酸性测验比率；速动比率 Across the board 全面一致；全盘的 Acting in concert 一致行动；合谋 Active assets 活动资产；有收益资产 Active capital 活动资本 Actual market 现货市场 Actuary 精算师；保险统计专家 ADB 亚洲开发银行 ADR 美国存股证；美国预托收据；美国存托凭证---[股市] 指由负责保管所存托外国股票的存托银行所发行一种表明持有人拥有多少外国股票(即存托股份)的收据。ADR一般以美元计价和进行交易，及被视为美国证券。对很多美国投资者而言，买卖ADR比买卖ADR所代表的股票更加方便、更流动、成本较低和容易。大部份预托收据为ADR；但也可以指全球预托收(GDR) ，欧洲预托收据(EDR) 或国际预托收据(IDR) 。从法律和行政立场而言，所有预托收据具有同样的意义。 ADS 美国存托股份 Ad valorem 从价；按值 Affiliated company 关联公司；联营公司 After date 发票后，出票后 After-market 后市---[股市] 指某只新发行股票在定价和配置后的交易市场。市场参与者关注的是紧随的后市情况，即头几个交易日。有人把后市定义为股价稳定期，即发行结束后的30天。也有人认为后市应指稳定期过后的交易市况。然而，较为普遍的是把这段时期
金融英语词汇
常见银行英文词汇 储蓄 银行及金融机构 会计 经济政策 金融债券 FORFAITING 储蓄(save) account number帐目编号depositor存户 pay-in slip存款单 a deposit form存款单 a banding machine自动存取机to deposit存款 deposit receipt存款收据private deposits私人存款certificate of deposit存单deposit book,passbook存折credit card信用卡 principal本金 overdraft,overdraw透支 to counter sign双签 to endorse背书 endorser背书人 to cash兑现 to honor a cheque兑付 to dishonor a cheque拒付 to suspend payment止付cheque,check支票 cheque book支票本 order cheque记名支票 bearer cheque不记名支票crossed cheque横线支票 blank cheque空白支票 rubber cheque空头支票cheque stub,counterfoil票根cash cheque现金支票 traveler's cheque旅行支票cheque for transfer转帐支票outstanding cheque未付支票canceled cheque已付支票
forged cheque伪支票 Bandar's note庄票，银票 银行及金融机构(Banks and financial organizations) banker银行家 president行长 savings bank储蓄银行 Chase Bank大通银行 National City Bank of New York花旗银行 Hongkong Shanghai Banking Corporation汇丰银行 Chartered Bank of India,Australia and China麦加利银行 Banque de I'IndoChine东方汇理银行 central bank,national bank,banker's bank中央银行 bank of issue,bank of circulation发行币银行 commercial bank商业银行，储蓄信贷银行 member bank,credit bank储蓄信贷银行 discount bank贴现银行 exchange bank汇兑银行 requesting bank委托开证银行 issuing bank,opening bank开证银行 advising bank,notifying bank通知银行 negotiation bank议付银行 confirming bank保兑银行 paying bank付款银行 associate banker of collection代收银行 consigned banker of collection委托银行 clearing bank清算银行 local bank本地银行 domestic bank国内银行 overseas bank国外银行 unincorporated bank钱庄 branch bank银行分行 trustee savings bank信托储蓄银行 trust company信托公司 financial trust金融信托公司 unit trust信托投资公司 trust institution银行的信托部 credit department银行的信用部 commercial credit company(discount company)商业信贷公司（贴现公司）neighborhood savings bank,bank of deposit街道储蓄所 credit union合作银行 credit bureau商业兴信所
金融英语单词
金融英语单词： Ch1 Money and Monetary System specialization专业化bearer(of the note)持票人medium of exchange交易媒介division of labor劳动力分工monetary system货币制度payment system支付系统transaction交易coincide with吻合barter以物换物 denominator度量单位deteriorate变质，恶化demand deposit活期存款 thrift institutions微型金融机构balance余额unit of account价值尺度 full-bodied money足值货币scarcity稀缺性redeem赎回 Treasury财政部fiat money法令货币income tax所得税bimetallism复本位制BOP（balance of payment）国际收支 endorse背书debit借记credit贷记 industrialized country工业化国家gold standard金本位disequilibrium失衡 par value平价quota份额tranche国际货币基金组织划分的份额store of value价值贮存lubricant润滑剂necessity必需品 international reserve asset国际储备资产exchange rate汇率 fluctuation波动deficit赤字peg钉住 Ch2 Credit，Interest and Interest Rate luxury奢侈品commercial credit商业信用consumer credit消费信用remittance汇款collection托收credit信用，信贷 interest利息installment分期mortgage抵押 impawn典当fiscal财政的principle本金 be advanced to预付给distortion扭曲cash flow现金流 lease租赁initial balance初始余额compound interest复利 floating rate浮动利率variable/adjustable rate可变利率asymmetry不对称 Treasury bond国库券depreciation折旧，贬值function函数 vertical垂直的expenditure支出premium溢价