《金融专业英语》PPT课件
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金融英语课件 chapter 2
where the federal funds rate briefly hit 6 per cent - three times the target rate of 2
per cent - as financial institutions scrambled to raise cash. The Fed injected a total of $70bn in liquidity, before the fed
Stocks sink amid Wall St
crisis
• The unprecedented changes on Wall Street - which was also gripped by rising fears about the health of AIG,
the giant insurer - left investors more concerned with preserving returns.
funds rate finally fell back later.
Agenda today
• Stock (common v.s preferred) • Derivatives • Financial instruments in international
markets
Stock
• A share (also referred to as equity shares) of stock represents a share of ownership in a corporation
Forwards
• A transaction in which a seller agrees to deliver a specific commodity to a buyer at some point in the future.
per cent - as financial institutions scrambled to raise cash. The Fed injected a total of $70bn in liquidity, before the fed
Stocks sink amid Wall St
crisis
• The unprecedented changes on Wall Street - which was also gripped by rising fears about the health of AIG,
the giant insurer - left investors more concerned with preserving returns.
funds rate finally fell back later.
Agenda today
• Stock (common v.s preferred) • Derivatives • Financial instruments in international
markets
Stock
• A share (also referred to as equity shares) of stock represents a share of ownership in a corporation
Forwards
• A transaction in which a seller agrees to deliver a specific commodity to a buyer at some point in the future.
unit 1 Financial system金融英语第一课ppt课件
We have repaid the principal and interest.
As to the penalty, we must consult our principal.
Key words, phrases and special terms
7. portfolio
investment portfolios a portfolio of shares foreign portfolio investment
Warm up
If I had so much money, I would deposit $ 40,000 in the bank for a fixed period. The fixed deposit can earn steady interest for me. Since it has a good liquidity, I can draw on my deposit in need of cash.
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.
$ 20,000 would be put in various bonds, which are less liquid but more profitable. The prices of stocks fluctuate every day. I may risk losing my investment if choosing a wrong stock. I would only put in $ 20,000 in stocks.
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?
金融英语课件 chapter 2
Breaking news
China cuts rates, lowers reserve ratio
• China's central bank Monday cut the cost of bank loans, the first time since 2002, and lowered the proportion of money lenders must have as reserves, the first such move in nine years, to keep the economy from sliding further.
investors sought the safety of cash and government debt followin of Lehman Brothers and the emergency sale of Merrill
Lynch to Bank of America.
American depository receipts
• Certificate of foreign stock • Traded in stock market in U.S • Denominated in USD
Foreign debt or Euro-debt
• What is the denomination? Home currency or host country currency
Common stock
Features
• Residual value • Dividends not obligated • No maturity/ perpetuity • Control of the firm • Preemptive right
China cuts rates, lowers reserve ratio
• China's central bank Monday cut the cost of bank loans, the first time since 2002, and lowered the proportion of money lenders must have as reserves, the first such move in nine years, to keep the economy from sliding further.
investors sought the safety of cash and government debt followin of Lehman Brothers and the emergency sale of Merrill
Lynch to Bank of America.
American depository receipts
• Certificate of foreign stock • Traded in stock market in U.S • Denominated in USD
Foreign debt or Euro-debt
• What is the denomination? Home currency or host country currency
Common stock
Features
• Residual value • Dividends not obligated • No maturity/ perpetuity • Control of the firm • Preemptive right
《金融专业英语》课件-Chapter 3 Financial Instruments
CaБайду номын сангаасh
instruments （现金工具）
The values of cash instruments are influenced and determined by the markets and they can be securities that are easily transferable into cash.
Derivative
Instruments （衍生工具）
The values and characteristics of derivative instruments are based on the vehicle’s underlying components, such as assets, interest rates or indices.
Example of commercial paper
A retail firm is looking for short-term funding to finance some new inventory for an upcoming holiday season.
The firm needs $10 million and offers investors $10.1 million in face value of commercial paper in exchange for $10 million in cash, according to prevailing interest rates. In effect, there would be a $0.1 million interest payment upon maturity of the commercial paper in exchange for the $10 million in cash, equating to an interest rate of 1%. This interest rate can be adjusted for time, contingent on the number of days the commercial paper is outstanding.
金融英语课件
• 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.
金融英语课件(unit3)
Types of financial statements
Balance sheet The income statement The statement of owner’s equity Statement of cash flows
ቤተ መጻሕፍቲ ባይዱ
F ro m b a n k Issu in g c e rta in se c u rity T ra d e c re d it a c c ru a ls
Language Points (语言点)：
1. generous adj. 慷 慨 的 ， 大 方 的 generous with one’s money 用钱大方 心地高尚的，无偏见的 a generous mind/spirit 高尚的心， 精神 2. owe v. owe sth. to sb. 欠某人债/将某事物归因或归功于 某人 He owes $50 to his father. 他欠他父亲 $50 。 He owes his success more to luck than to ability.他认为他的 成功靠运气而不是自己能力。 3. allow for sb./sth. 在计算、估计、考虑时包括某人/某事 I will take you half an hour to get to the station, allowing for traffic delays. 把路上的耽搁算进去，你要半小时才能到 车站。
Unit Three Part B Financial Statements
教学目的与要求（Teaching targets）： 1. to help students to understand the purposes, functions and types of financial statements, especially the types of financial statements. 2. to help students to get familiar with the special English words and expressions about financial statements 教学重难点(Emphases and difficult points） some important vocabulary: financial statement ， revenues and expenses，statement of financial position， balance sheet ， income statement ， statement of cash flows ， statement of owner’s equity ， net income ， net loss，capital transaction the types of financial statements. Some important special vocabulary and expressions, eg, balance sheet, income statement, statement of cash flows, net loss, expense/expenditure, as of, revenue/income.
《金融专业英语》课件-Chapter 9 Household Finance
insurance, and life insurance. ✓ Credit cards（信用卡）: Master card, platinum card, store-branded card, VISA card,
etc. ✓ Savings accounts（储蓄账户）: Regular savings account, online savings account,
9.5 Household Bank Finance
Household Bank Finance
There are plenty of banks and financial service providers that offer household personal finance. The major personal finance providers offer alluring personal finance options, and these options can be of immense help for individuals to achieve shortterm financial goals. Household bank finance can help during a home decorating project. 许多银行和金融服务商提供家庭个人融资。
English in Finance
Chapter 9 Household Finance
9.1
Understanding Hபைடு நூலகம்usehold Finance
Household Finance
Household finance deals with an individual’s or a family’s expenses while framing a household financial plan.
etc. ✓ Savings accounts（储蓄账户）: Regular savings account, online savings account,
9.5 Household Bank Finance
Household Bank Finance
There are plenty of banks and financial service providers that offer household personal finance. The major personal finance providers offer alluring personal finance options, and these options can be of immense help for individuals to achieve shortterm financial goals. Household bank finance can help during a home decorating project. 许多银行和金融服务商提供家庭个人融资。
English in Finance
Chapter 9 Household Finance
9.1
Understanding Hபைடு நூலகம்usehold Finance
Household Finance
Household finance deals with an individual’s or a family’s expenses while framing a household financial plan.
金融专业英语教学课件
2013-9-27 Chen Jianhui 20
M2 is the most often used reference to money supply. M3 is the most often used reference to M2 is an even broader definition of the money supply, as it includes all money supply. M2是衡量货币供应量最 常用的参考值。 of the components of M1 and M2 plus a number金融资产 of financial assets and financial assets instruments generally employed by financial instruments n. 金融票据 large (jumbo) certificates of deposit.
2013-9-27
Chen Jianhui
8
Strictly enforced government regulations control how many of the deposited dollars must be held in fractional reserve loans. reserve to support deposit money expansion activities 部分准备金存 Loans made against this fractional 款扩张业务 reserve are a key factor in banking and current fractional reserve deposit money expansion activities. a
M2 is the most often used reference to money supply. M3 is the most often used reference to M2 is an even broader definition of the money supply, as it includes all money supply. M2是衡量货币供应量最 常用的参考值。 of the components of M1 and M2 plus a number金融资产 of financial assets and financial assets instruments generally employed by financial instruments n. 金融票据 large (jumbo) certificates of deposit.
2013-9-27
Chen Jianhui
8
Strictly enforced government regulations control how many of the deposited dollars must be held in fractional reserve loans. reserve to support deposit money expansion activities 部分准备金存 Loans made against this fractional 款扩张业务 reserve are a key factor in banking and current fractional reserve deposit money expansion activities. a
金融英语(4-13)ppt课件(全)
➢ Accommodating investment needs.
Financial institutions serve as intermediaries within the financial markets to channel funds from investors to corporations.
➢ 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.
Chapter 4 Financial Markets 4.1 Types of Financial Markets
Direct financial market and indirect financial market
• In direct financial market, borrowers borrow funds directly from lenders without using a third party service.
• International financial markets allow a number of traders who are not only across the country but also around the world to make transactions.
Financial institutions serve as intermediaries within the financial markets to channel funds from investors to corporations.
➢ 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.
Chapter 4 Financial Markets 4.1 Types of Financial Markets
Direct financial market and indirect financial market
• In direct financial market, borrowers borrow funds directly from lenders without using a third party service.
• International financial markets allow a number of traders who are not only across the country but also around the world to make transactions.