金融学双语

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金融学双语考试复习资料

Chapter 1经济学关注的3个问题：⏹How scarce resources are allocated in the productionprocess among competing uses.⏹How income generated in the production and sale of goodsand services is distributed among members of society.⏹How people allocate their income through spending, saving,borrowing and lending decisions.Default（违约）- When a borrower fails to repay a financial claim.借方未能偿还金融债务Liquidity（流动性）- The ease with which a financial claim can be converted to cash without loss of value. 金融索取权可以比较容易地且不损失价值地转化成现金的特性。

Depository institutions （储蓄机构）– Financial intermediaries, such as commercial banks, savings and loan associations, credit unions, and mutual savings banks, that issue checkable deposits. 发放支票存款的金融中介，如商业银行、存储贷款、信用联盟、互助储蓄银行。

5. Why do financial intermediaries exist? What services do they provide to the public? Are all financial institutions financial intermediaries?Financial intermediaries exist to link up net lenders and net borrowers and to help minimize the transaction costs associated with borrowing and lending. Financial services provided by financialintermediaries include appraising and diversifying risk from individual net lenders. Not all financial intermediaries are institutions, such as stock and bond brokers merely link up net lenders and net borrowers for a fee and do not issue claims on themselves.16. Diane Weil earns wages of $45,000 and interest and dividend income of $5,000. She spends $8,000 as a down payment on a newly constructed mountain cabin and lends $4,000 in financial markets. Assuming that Diane spends the remainder of her income on consumption, what is her saving? Is she a net lender or a net borrower? What is her consumption?Chapter 2Money (货币)- Anything that functions as a means of payment (medium of exchange), unit of account, and store of value. 作为支付手段（即交换媒介）、记账单位和价值储藏手段的物品。

金融计量经济学双语版全套课件.ppt

• However, the value of the autocovariances depend on the units
of measurement of yt.
• It is thus more convenient to use the autocorrelations which
are the autocovariances normalised by dividing by the
where ut is a zero mean white noise process with variance 2.
(i) Calculate the mean and variance of Xt (ii) Derive the autocorrelation function for this process (i.e.
Var(ut)= 2, then yt = + ut + 1ut-1 + 2ut-2 + ... + qut-q
is a qth order moving average model MA(q).
• Or using the lag operator notation:
Lyt = yt-1
Liyt = yt-i
TusTeful2aksm1aTpok2 rktm~ anm2teau
(general)
test
of
linear dependence in time series.
课件
5-7
An ACF Example (p234)
• Question: Suppose that we had estimated the first 5 autocorrelation coefficients using a series of length 100 observations, and found them to be (from 1 to 5): 0.207, -0.013, 0.086, 0.005, -0.022. Test each of the individual coefficient for significance, and use both the Box-Pierce and Ljung-Box tests to establish whether they are jointly significant.

国内高校金融专业双语教学的比较优势

国内高校金融专业双语教学的比较优势摘要：金融专业双语教学的目标一是获取金融专业知识，二是培养学生运用外语进行专业沟通的能力。

国内高校金融专业双语教学，应该在国际化的沟通能力培养方面具有传统母语教学所没有的语言能力优势，在涉及本国国情的理论知识方面具有海外留学所没有的内容优势，以此形成自己的特色。

本文探讨了在双语教学过程中发挥这两个优势的具体教学模式，并从师资培养、教材开发、充实外文图书资料和创新双语教学过程管理与评价体系等方面提出了建设性的意见。

关键词：国内高校；金融课程；双语教学；比较优势一、国内高校金融专业双语教学的比较优势1．语言能力优势一般认为，高校推行双语教学的一个基本出发点就在于培养学生国际化的职业能力和科研能力，以适应全球化和知识经济时代的要求。

具体而言，一是从职业能力方面，应当重视改变过去大学生毕业还是“哑巴英语”、“聋子英语”的状态，使其听说能力获得明显的改善，能够参与到国际化的工作交流之中，顺畅地完成职业行为；二是从国际化的科研能力来说，应当重视改变过去大学生对国外文献资料零接触的状态，使其初步具备搜集阅读和理解运用国外相关文献的能力，为学术研究开拓宽广的视野，打开获得外部信息观念的通道，从而把握国际学术前沿的发展动态，向世界先进的学术研究水准看齐。

根据这样的出发点，在传统母语教学目标的基础上，可以这样界定金融专业双语教学的目标：其一是获取金融专业知识，其二是培养和提高学生运用外语进行专业沟通能力。

前者是使学生掌握金融专业课程的基本知识、理论和实务，了解金融经济的动态，理解国际国内各种经济政策等。

后者是在学科教学中，逐步使英语成为教与学的另一种适用媒体。

语言目标和学科目标不是各自独立的，而是相互联系的，双语教学从总体上和长远来看，最终要达到使学生能够以汉语和英语两种工具进行金融专业的学习、思考、研究和交流的效果。

从上面的分析可见，高校金融专业从传统的母语教学转向双语教学，正是由于双语教学相对母语教学在实现专业学习目标的同时实现了语言目标，使学生获得了更强的就业竞争能力和学术科研能力。

金融市场学双语题库及答案(第三章)米什金金融市场与机构

A) present value
B) future value
C) interest
D) deflation
Answer: A
Topic: Chapter 3.1 Measuring Interest Rates
Question Status: Previous Edition
12) Dollars received in the future are worth ________ than dollars received today. The process of calculating what dollars received in the future are worth today is called ________.
A) 5 percent.
B) 8 percent.
C) 10 percent.
D) 40 percent.
Answer: A
Topic: Chapter 3.1 Measuring Interest Rates
Question Status: Previous Edition
11) The concept of ________ is based on the notion that a dollar paid to you in the future is less valuable to you than a dollar today.
B) U.S. Treasury bonds and notes are examples of coupon bonds.
C) Corporate bonds are examples of coupon bonds.
D) All of the above.

金融市场学双语题库及答案(第一章)米什金金融市场与机构

Financial Markets and Institutions^ 8e (Mishkin)Chapter 1 Why Study Financial Markets and Institutions?1.1 Multiple Choice1)Financial markets and institutionsA)involve the movement of huge quantities of money.B)affect the profits of businesses.C)affect the types of goods and seivices produced ill an economy.D)do all of the above.E)do only A and B of the above.Answer: DTopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition2)Financial market activities affectA)personal wealth.B)spending decisions by individuals and business firms.C)the economy's location in the business cycle.D)all of the above.Answer: DTopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition3)Markets in wliich funds are tiansfeired from those who have excess funds available to those who have a shortage of available funds are calledA)commodity markets.B)funds markets.C)derivative exchange markets.D)financial markets.Answer: DTopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition4)The price paid for the rental of bonowed funds (usually expressed as a percentage of the rental of $100 per year) is conmionly referred to as theA)inflation rate.B)exchange late.C)interest rate.D)aggiegate price level.Answer: CTopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition5)The bond maikets are impoitant becauseA)they are easily the most widely followed financial markets in the United States.B)they are the maikets where interest rates are deteimined.C)they are the markets where foreign exchange rates are determined.D)all of the above.Answer: BTopic: Chapter 1.1 Why Study Financial MaiketsQuestion Status: Previous Edition6)Interest rates are impoitant to financial institutions since an interest rate uicrease the cost of acquiring funds and the income fiom assets.A)decreases; decreasesB)increases; increasesC)decreases; increasesD)increases; decreasesAnswer: BTopic: Chapter 1.1 Why Study Financial MaiketsQuestion Status: Previous Edition7)Typically, increasing interest ratesA)discourages individuals fiom saving.B)discourages corporate investments.C)encourages coipoiate expansion.D)encourages coipoiate borrowing.E)none of the above.Answer: BTopic: Chapter 1.1 Why Study Financial MaiketsQuestion Status: Previous Edition8)Compared to interest rates on long-tenn U.S. govenmient bonds, interest rates onfluctuate more and are lower on average.A)medium-quality coipoiate bondsB)low-quality corporate bondsC)high-quality coipoiate bondsD)tluee-month Treasuiy billsE)none of the aboveAnswer: DTopic: Chapter 1.1 Why Study Financial MaiketsQuestion Status: Previous Edition9)Compared to interest rates on long-tenn U.S. govenmient bonds, interest rates on tluee-month Tieasuiy bills fluctuate and are on average.A)moie; lowerB)less; lowerC)moie; liigherD)less; higherAnswer: ATopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition10)The stock market is important becauseA)it is where interest rates are determined.B)it is the most widely followed financial market in the United States.C)it is where foreign exchange rates are deteimined.D)all of the above.Answer: BTopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition11)Stock prices since the 1980s have beenA)relatively stable, trending upward at a steady pace.B)relatively stable, tiending downward at a moderate rate.C)extremely volatile.D)unstable, trending downward at a moderate late.Answer: CTopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition12)The largest one-day drop in the liistoiy of the Ainei ican stock markets occuii ed inA)1929.B)1987.C)2000.D)2001.Answer: BTopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition13) A declining stock market index due to lower share pricesA)reduces people's wealth and as a result may reduce theii willingness to spend.B)increases people's wealth and as a result may increase their willingness to spend.C)decreases the amount of fiinds that business firms can raise by selling newly issued stock.D)both A and C of the above.E)both B and C of the above.Answer: DTopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition14)Changes in stock pricesA)affect people's wealth and their willingness to spend.B)affect films' decisions to sell stock to finance investment spending.C)are characterized by considerable fluctuations.D)all of the above.E)only A and B of the above.Answer: DTopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition15)(I) Debt markets are often referred to generically as the bond market.(II) A bond is a security that is a claim on the earnings and assets of a coiporation.A)(I) is true, (II) false.B)(I) is false, (II) true.C)Both are true.D)Both are false.Answer: ATopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition16)(I) A bond is a debt security that promises to make paymen's periodically fbr a specified peiiod of time. (II) A stock is a security that is a claim on the earnings and assets of a corporation.A)(I) is true, (II) false.B)(I) is false, (II) true.C)Both are true.D)Both are false.Answer: CTopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition17)The price of one countiy's currency in terms of another's is calledA)the foreign exchange rate.B)the interest rate.C)the Dow Jones industrial average.D)none of the above.Answer: ATopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition18) A stronger dollar benefits and hurts .A)American businesses; American consumersB)American businesses; foreign businessesC)American consumers; American businessesD)foreign businesses; American consumersAnswer: CTopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition19) A weaker dollar benefits and hurts .A)American businesses; American consumersB)American businesses; foreign consumersC)American consumers; American businessesD)foreign businesses; American consumersAnswer: ATopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition20)From 1980 to early 1985 the dollar in value, thereby benefiting American.A)appreciated; businessesB)appreciated; consumeisC)depreciated; businessesD)depreciated; consumersAnswer: BTopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition21)In general, from 2001 tluougli 2013, the dollar in value relative to major foreign cunencies.A)appreciatedB)depreciatedC)remained about the sameAnswer: BTopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: New Question22)Money is defined asA)anything that is generally accepted in payment for goods and seivices or in the repayment of debt.B)bills of exchange.C) a riskless repositoiy of spending power.D)all of the above.E)only A and B of the above.Answer: ATopic: Chapter 1.2 Why Study Financial InstitutionsQuestion Status: Previous Edition23)The organization responsible foi the conduct of monetary policy in the United States is theA)Compti oiler of the Currency.B)U.S. Tieasuiy.C)Federal Reserve System.D)Bureau of Monetaiy Affairs.Answer: CTopic: Chapter 1.2 Why Study Financial InstitutionsQuestion Status: Previous Edition24)The central bank of the United States isA)Citicoip.B)The Fed.C)Bank of America.D)The Tieasuiy.E)none of the above.Answer: BTopic: Chapter 1.2 Why Study Financial InstitutionsQuestion Status: Previous Edition25)Monetaiy policy is chiefly conceined withA)how much money businesses earn.B)the level of interest rates and the nation's money supply.C)how much money people pay in taxes.D)whether people have saved enough money fbr letiiement.Answer: BTopic: Chapter 1.2 Why Study Financial InstitutionsQuestion Status: Previous Edition26)Economists gioup commercial banks, savings and loan associations, credit unions, mutual funds, mutual savings banks, insurance companies, pension funds, and finance companies together under the heading financial intermediaiies. Financial intermediaiies A)act as middlemen, borrowing funds fiom those who have saved and lending these funds to others.B)produce notliing of value and are therefore a drain on society's resources.C)help piomote a more efficient and dynamic economy.D)do all of the above.E)do only A and C of the above.Answer: ETopic: Chapter 1.2 Why Study Financial InstitutionsQuestion Status: Previous Edition27)Economists gioup commercial banks, savings and loan associations, credit unions, mutual funds, mutual savings banks, insurance companies, pension funds, and finance companies together under the heading financial intermediaiies. Financial intermediariesA)act as middlemen, borrowing funds fiom those who have saved and lending these funds to others.B)play an impoilant role in determining the quantity of money in the economy.C)help promote a more efficient and dynamic economy.D)do all of the above.E)do only A and C of the above.Answer: DTopic: Chapter 1.2 Why Study Financial InstitutionsQuestion Status: Previous Edition28)Banks are important to the study of money and the economy because theyA)provide a channel for linking those who want to save with those who want to invest.B)have been a source of financial innovation that is expanding the alternatives available to those wanting to invest theii money.C)are the only financial institution to play a role in determining tlie quantity of money in the economy.D)do all of the above.E)do only A and B of the above.Answer: ETopic: Chapter 1.2 Why Study Financial InstitutionsQuestion Status: Previous Edition29)Banks, savings and loan associations, mutual savings banks, and credit unionsA)are no longer inipoitant players ill financial inteimediation.B)have been providing seivices only to small depositors since deregulation.C)have been adept at innovating in response to changes in the regulatoiy environment.D)all of the above.E)only A and C of the above.Answer: CTopic: Chapter 1.2 Why Study Financial InstitutionsQuestion Status: Previous Edition30)(I) Banks are financial inteimediaries that accept deposits and make loans.(II) The tenn "banks" includes firms such as commercial banks, savings and loan associations, mutual savings banks, credit unions, insurance companies, and pension funds.A)(I) is true, (II) false.B)(I) is false, (II) true.C)Both are true.D) Both are false.Answer: ATopic: Chapter 1.2 Why Study Financial InstitutionsQuestion Status: Previous EditionA)Black FridayB)Black MondayC)Blackout DayD)none of the aboveAnswer: BTopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition32)The largest financial intennediaiies areA)insurance companies.B)finance companies.C)banks.D)all of the above.Answer: CTopic: Chapter 1.2 Why Study Financial ListitutionsQuestion Status: Previous Edition33)In recent yearsA)interest rates have remained constant.B)the success of financial institutions has reached levels unpiecedented since the Great Depiession.C)stock markets have crashed.D)all of the above.Answer: CTopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition34) A securityA)is a claim oi price of property that is subject to ownei sliip.B)promises that payments will be made peiiodically fbr a specified peiiod of time.C)is the price paid fbr the usage of funds.D)is a claim on the issuers future income.Answer: DTopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous EditionA)BanksB)Insurance companiesC)Finance companiesD)All of the aboveAnswer: DTopic: Chapter 1.2 Why Study Financial InstitutionsQuestion Status: Previous Edition36)Monetaiy policy affectsA)interest rates.B)inflation.C)business cycles.D)all of the above.Answer: DTopic: Chapter 1.2 Why Study Financial InstitutionsQuestion Status: Previous Edition37) A rising stock market index due to higher share pricesA)incieases people's wealth and as a result may inciease their willingness to spend.B)increases the amount of funds that business films can raise by selling newly issued stock.C)decreases the amount of fiinds that business firms can raise by selling newly issued stock.D)both A and B of the above.Answer: DTopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition38)From the peak of the high-tech bubble in 2000, the stock market by overby late 2002.A)collapsed; 75%B)rose; 35%C)collapsed; 30%D)rose; 50%Answer: CTopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition39)The Dow fell below 7,000 in 2009, only to stall a bull market inn, reaching new highs above in 2013.A)12,000B)10,000C)15,000D)19,000Answer: CTopic: Chapter 1.1 Why Study Financial Markets Question Status: New Question1.2 Tme/False1)Money is anything accepted by anyone as payment for sendees or goods.Answer: TRUETopic: Chapter 1.2 Why Study Financial InstitutionsQuestion Status: Previous Edition2)Interest rates are determined in the bond markets.Answer: TRUETopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition3) A stock is a debt security that promises to make periodic payments fbr a specific period of time.Answer: FALSETopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition4)Monetaiy policy affects interest rates but has little effect on inflation or business cycles. Answer: FALSETopic: Chapter 1.2 Why Study Financial InstitutionsQuestion Status: Previous Edition5)The govenunent organization responsible fbr the conduct of monetaiy policy in the United States is the U.S. Treasury.Answer: FALSETopic: Chapter 1.2 Why Study Financial ListitutionsQuestion Status: Previous Edition6)Interest rates can be accurately described as the rental price of money.Answer: TRUETopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition7)Holding eveiytliiiig else constant, as the dollar weakens vacations abroad become less attractive.Answer: TRUETopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition8)In recent years, financial markets have become more stable and less risky. Answer: FALSETopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition9)Financial innovation has provided moie options to both investors and borrowers. Answer: TRUETopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition10) A financial inteimediaiy bonows funds fiom people who have saved.Answer: TRUETopic: Chapter 1.2 Why Study Financial InstitutionsQuestion Status: Previous Edition11)Holding everything else constant, as the dollar stiengtliens fbreigiieis will buy more U.S. exports.Answer: FALSETopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition12)In a bull market stock prices are rising, on average.Answer: TRUETopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition13)Financial institutions are among the largest employers in the countiy and frequently pay very high salaries.Answer: TRUETopic: Chapter 1.3 Applied Managerial PerspectiveQuestion Status: Previous Edition14)Different interest rates have a tendency to move in unison.Answer: TRUETopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition15)Financial markets are what makes financial institutions work.Answer: FALSETopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition16)In recent years, financial markets have become more risky. However, only a limited number of tools (such as derivatives) are available to assist in managing this risk. Answer: FALSETopic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition17)Although the internet lias changed many aspects of our lives, it hasn't proven very useful for collecting and/or analyzing financial and economic data.Answer: FALSETopic: Chapter 1.4 How We Study Financial Markets and Institutions Question Status: New Question1.3 Essay1)Have interest rates been more or less volatile in recent years? Why?Topic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition2)Why should consumers be concerned with movements in fbreign exchange rates? Topic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition3)How does the value of the dollar affect the competitiveness of American businesses? Topic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition4)What is monetary policy and who is responsible fbr its implementation?Topic: Chapter 1.2 Why Study Financial InstitutionsQuestion Status: Previous Edition5)What are financial intermediaiies and what do they do?Topic: Chapter 1.2 Why Study Financial InstitutionsQuestion Status: Previous Edition6)What is money?Topic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition7)How does a bond differ fiom a stock?Topic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition8)Why is the stock market so important to individuals, films, and the economy? Topic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition9)What is the cential bank and what does it do?Topic: Chapter 1.2 Why Study Financial InstitutionsQuestion Status: Previous Edition10)If you are plamiing a vacation to Europe, do you prefer a strong dollar 01 weak dollar relative to the euio? Why?Topic: Chapter 1.1 Why Study Financial MarketsQuestion Status: Previous Edition11)How has the stock market perfoimed since 2000?Topic: Chapter 1.1 Why Study Financial MarketsQuestion Status: New Question。

金融市场学双语题库及答案(第十四章)米什金《金融市场与机构》

Financial Markets and Institutions, 8e (Mishkin)Chapter 14 The Mortgage Markets14.1 Multiple Choice1) Which of the following are important ways in which mortgage markets differ from the stock and bond markets?A) The usual borrowers in the capital markets are government entities and businesses, whereas the usual borrowers in the mortgage markets are individuals.B) Most mortgages are secured by real estate, whereas the majority of capital market borrowing is unsecured.C) Because mortgages are made for different amounts and different maturities, developing a secondary market has been more difficult.D) All of the above are important differences.E) Only A and B of the above are important differences.Answer: DTopic: Chapter 14.1 What Are Mortgages?Question Status: Previous Edition2) Which of the following are important ways in which mortgage markets differ from stock and bond markets?A) The usual borrowers in capital markets are government entities, whereas the usual borrowers in mortgage markets are small businesses.B) The usual borrowers in capital markets are government entities and large businesses, whereas the usual borrowers in mortgage markets are small businesses.C) The usual borrowers in capital markets are government entities and large businesses, whereas the usual borrowers in mortgage markets are small businesses and individuals.D) The usual borrowers in capital markets are businesses and government entities, whereas the usual borrowers in mortgage markets are individuals.Answer: DTopic: Chapter 14.1 What Are Mortgages?Question Status: Previous Edition3) Which of the following are true of mortgages?A) A mortgage is a long-term loan secured by real estate.B) A borrower pays off a mortgage in a combination of principal and interest payments that result in full payment of the debt by maturity.C) Over 80 percent of mortgage loans finance residential home purchases.D) All of the above are true of mortgages.E) Only A and B of the above are true of mortgages.Answer: DTopic: Chapter 14.1 What Are Mortgages?Question Status: Previous Edition4) Which of the following are true of mortgages?A) A mortgage is a long-term loan secured by real estate.B) Borrowers pay off mortgages over time in some combination of principal and interest payments that result in full payment of the debt by maturity.C) Less than 65 percent of mortgage loans finance residential home purchases.D) All of the above are true of mortgages.E) Only A and B of the above are true of mortgages.Answer: ETopic: Chapter 14.1 What Are Mortgages?Question Status: Previous Edition5) Which of the following are true of mortgage interest rates?A) Interest rates on mortgage loans are determined by three factors: current long-term market rates, the term of the mortgage, and the number of discount points paid.B) Mortgage interest rates tend to track along with Treasury bond rates.C) The interest rate on 15-year mortgages is lower than the rate on 30-year mortgages, all else the same.D) All of the above are true.E) Only A and B of the above are true.Answer: DTopic: Chapter 14.2 Characteristics of the Residential MortgageQuestion Status: Previous Edition6) Which of the following are true of mortgages?A) More than 80 percent of mortgage loans finance residential home purchases.B) The National Banking Act of 1863 rewarded banks that increased mortgage lending.C) Most mortgages during the 1920s and 1930s were balloon loans.D) All of the above are true.E) Only A and C of the above are true.Answer: ETopic: Chapter 14.1 What Are Mortgages?Question Status: Previous Edition7) Which of the following is true of mortgage interest rates?A) Longer-term mortgages have lower interest rates than shorter-term mortgages.B) Mortgage rates are lower than Treasury bond rates because of the tax deductibility of mortgage interest rates.C) In exchange for points, lenders reduce interest rates on mortgage loans.D) All of the above are true.E) Only A and B of the above are true.Answer: CTopic: Chapter 14.2 Characteristics of the Residential MortgageQuestion Status: Previous Edition8) Typically, discount points should not be paid if the borrower will pay off the loan in ________ years or less.A) 5B) 10C) 15D) 20Answer: ATopic: Chapter 14.2 Characteristics of the Residential MortgageQuestion Status: Previous Edition9) Which of the following is true of mortgage interest rates?A) Longer-term mortgages have higher interest rates than shorter-term mortgages.B) In exchange for points, lenders reduce interest rates on mortgage loans.C) Mortgage rates are lower than Treasury bond rates because of the tax deductibility of mortgage interest payments.D) All of the above are true.E) Only A and B of the above are true.Answer: ETopic: Chapter 14.2 Characteristics of the Residential MortgageQuestion Status: Previous Edition10) Which of the following reduces moral hazard for the mortgage borrower?A) CollateralB) Down paymentsC) Private mortgage insuranceD) Borrower qualificationsAnswer: BTopic: Chapter 14.2 Characteristics of the Residential MortgageQuestion Status: Previous Edition11) Which of the following protects the mortgage lender's right to sell property if the underlying loan defaults?A) A lienB) A down paymentC) Private mortgage insuranceD) Borrower qualificationE) AmortizationAnswer: ATopic: Chapter 14.2 Characteristics of the Residential MortgageQuestion Status: Previous Edition12) Which of the following is true of mortgage interest rates?A) Mortgage rates are closely tied to Treasury bond rates, but mortgage rates tend to stay below Treasury rates because mortgages are secured with collateral.B) Longer-term mortgages have higher interest rates than shorter-term mortgages.C) Interest rates are higher on mortgage loans on which lenders charge points.D) All of the above are true.E) Only A and B of the above are true.Answer: BTopic: Chapter 14.2 Characteristics of the Residential MortgageQuestion Status: Previous Edition13) During the early years of an amortizing mortgage loan, the lender appliesA) most of the monthly payment to the outstanding principal balance.B) all of the monthly payment to the outstanding principal balance.C) most of the monthly payment to interest on the loan.D) all of the monthly payment to interest on the loan.E) the monthly payment equally to interest on the loan and the outstanding principal balance.Answer: CTopic: Chapter 14.2 Characteristics of the Residential MortgageQuestion Status: Previous Edition14) During the last years of an amortizing mortgage loan, the lender appliesA) most of the monthly payment to the outstanding principal balance.B) all of the monthly payment to the outstanding principal balance.C) most of the monthly payment to interest on the loan.D) all of the monthly payment to interest on the loan.E) the monthly payment equally to interest on the loan and the outstanding principal balance.Answer: ATopic: Chapter 14.2 Characteristics of the Residential MortgageQuestion Status: Previous Edition15) During the last years of a balloon mortgage loan, the lender appliesA) most of the monthly payment to the outstanding principal balance.B) all of the monthly payment to the outstanding principal balance.C) most of the monthly payment to interest on the loan.D) all of the monthly payment to interest on the loan.E) the monthly payment equally to interest on the loan and the outstanding principal balance.Answer: DTopic: Chapter 14.2 Characteristics of the Residential MortgageQuestion Status: Previous Edition16) During the early years of a balloon mortgage loan, the lender appliesA) most of the monthly payment to the outstanding principal balance.B) all of the monthly payment to the outstanding principal balance.C) most of the monthly payment to interest on the loan.D) all of the monthly payment to interest on the loan.E) the monthly payment equally to interest on the loan and the outstanding principal balance.Answer: DTopic: Chapter 14.2 Characteristics of the Residential MortgageQuestion Status: Previous Edition17) A borrower who qualifies for an FHA or VA loan enjoys the advantage thatA) the mortgage payment is much lower.B) only a very low or zero down payment is required.C) the cost of private mortgage insurance is lower.D) the government holds the lien on the property.Answer: BTopic: Chapter 14.3 Types of MortgagesQuestion Status: Previous Edition18) (I) Conventional mortgages are originated by private lending institutions, and FHA or VA loans are originated by the government. (II) Conventional mortgages are insured by private companies, and FHA or VA loans are insured by the government.A) (I) is true, (II) false.B) (I) is false, (II) true.C) Both are true.D) Both are false.Answer: BTopic: Chapter 14.3 Types of MortgagesQuestion Status: Previous Edition19) Borrowers tend to prefer ________ to ________, whereas lenders prefer ________.A) fixed-rate loans; ARMs; fixed-rate loansB) ARMs; fixed-rate loans; fixed-rate loansC) fixed-rate loans; ARMs; ARMsD) ARMs; fixed-rate loans; ARMsAnswer: CTopic: Chapter 14.3 Types of MortgagesQuestion Status: Previous Edition20) (I) ARMs offer lower initial rates and the rate may fall during the life of the loan. (II) Conventional mortgages do not allow a borrower to take advantage of falling interest rates.A) (I) is true, (II) is false.B) (I) is false, (II) is true.C) Both are true.D) Both are false.Answer: ATopic: Chapter 14.3 Types of MortgagesQuestion Status: Previous Edition21) Growing-equity mortgages (GEMs)A) help the borrower pay off the loan in a shorter time.B) have such low payments in the first few years that the principal balance increases.C) offer borrowers payments that are initially lower than the payments on aconventional mortgage.D) do all of the above.E) do only A and B of the above.Answer: ATopic: Chapter 14.3 Types of MortgagesQuestion Status: Previous Edition22) A borrower with a 30-year loan can create a GEM byA) simply increasing the monthly payments beyond what is required and designating that the excess be applied entirely to the principal.B) converting his ARM into a conventional mortgage.C) converting his conventional mortgage into an ARM.D) converting his conventional mortgage into a GPM.Answer: ATopic: Chapter 14.3 Types of MortgagesQuestion Status: Previous Edition23) Which of the following are useful for home buyers who expect their income to rise in the future?A) GPMsB) RAMsC) GEMsD) Only A and B are useful.E) Only A and C are useful.Answer: ETopic: Chapter 14.3 Types of MortgagesQuestion Status: Previous Edition24) Which of the following are useful for home buyers who expect their income to fall in the future?A) GPMsB) RAMsC) GEMsD) Only A and B are useful.E) Only A and C are useful.Answer: BTopic: Chapter 14.3 Types of MortgagesQuestion Status: Previous Edition25) Retired people can live on the equity they have in their homes by using aA) GEM.B) GPM.C) SAM.D) RAM.Answer: DTopic: Chapter 14.3 Types of MortgagesQuestion Status: Previous Edition26) Second mortgages serve the following purposes:A) they give borrowers a way to use the equity they have in their homes as security for another loan.B) they allow borrowers to get a tax deduction on loans secured by their primary residence or vacation home.C) they allow borrowers to convert their conventional mortgages into GEMs.D) all of the above.E) only A and B of the above.Answer: ETopic: Chapter 14.3 Types of MortgagesQuestion Status: Previous Edition27) Which of the following is a disadvantage of a second mortgage compared to credit card debt?A) The loans are secured by the borrower's home.B) The borrower gives up the tax deduction on the primary mortgage.C) The borrower must pay points to get a second mortgage loan.D) The borrower will find it more difficult to qualify for a second mortgage loan.Answer: ATopic: Chapter 14.3 Types of MortgagesQuestion Status: Previous Edition28) The share of the mortgage market held by savings and loans isA) over 50 percent.B) approximately 40 percent.C) approximately 20 percent.D) less than 5 percent.Answer: DTopic: Chapter 14.4 Mortgage-Lending InstitutionsQuestion Status: Updated from Previous Edition29) The share of the mortgage market held by commercial banks is approximatelyA) 50 percent.B) 30 percent.C) 15 percent.D) 5 percent.Answer: BTopic: Chapter 14.4 Mortgage-Lending Institutions Question Status: Updated from Previous Edition30) A loan-servicing agent willA) package the loan for an investor.B) hold the loan in their investment portfolio.C) collect payments from the borrower.D) do both A and C of the above.E) do both B and C of the above.Answer: CTopic: Chapter 14.5 Loan ServicingQuestion Status: Previous Edition31) Distinct elements of a mortgage loan includeA) origination.B) investment.C) servicing.D) all of the above.E) only B and C of the above.Answer: DTopic: Chapter 14.6 Secondary Mortgage MarketQuestion Status: Previous Edition32) The Federal National Mortgage Association (Fannie Mae)A) was set up to buy mortgages from thrifts so that these institutions could make more loans.B) funds purchases of mortgages by selling bonds to the public.C) provides insurance for certain mortgage contracts.D) does all of the above.E) does only A and B of the above.Answer: ETopic: Chapter 14.6 Secondary Mortgage MarketQuestion Status: Previous Edition33) The Federal Housing Administration (FHA)A) was set up to buy mortgages from thrifts so that these institutions could make more loans.B) funds purchases of mortgages by selling bonds to the public.C) provides insurance for certain mortgage contracts.D) does all of the above.E) does only A and B of the above.Answer: CTopic: Chapter 14.3 Types of MortgagesQuestion Status: Previous Edition34) ________ issues participation certificates, and ________ provides federal insurance for participation certificates.A) Freddie Mac; Freddie MacB) Freddie Mac; Ginnie MaeC) Ginnie Mae; Freddie MacD) Ginnie Mae; Ginnie MaeE) Freddie Mac; no oneAnswer: ETopic: Chapter 14.8 What Is a Mortgage-Backed Security?Question Status: Previous Edition35) REMICs are most likeA) Freddie Mac pass-through securities.B) Ginnie Mae pass-through securities.C) participation certificates.D) collateralized mortgage obligations.Answer: DTopic: Chapter 14.8 What Is a Mortgage-Backed Security? Question Status: Previous Edition36) Ginnie MaeA) insures qualifying mortgages.B) insures pass-through certificates.C) insures collateralized mortgage obligations.D) does only A and B. of the above.E) does only B and C of the above.Answer: BTopic: Chapter 14.8 What Is a Mortgage-Backed Security? Question Status: Previous Edition37) Mortgage-backed securitiesA) have been growing in popularity in recent years as institutional investors look for attractive investment opportunities.B) are securities collateralized by a pool of mortgages.C) are securities collateralized by both insured and uninsured mortgages.D) are all of the above.E) are only A and B of the above.Answer: DTopic: Chapter 14.8 What Is a Mortgage-Backed Security?Question Status: Previous Edition38) The most common type of mortgage-backed security isA) the mortgage pass-through, a security that has the borrower's mortgage payments pass through the trustee before being disbursed to the investors.B) collateralized mortgage obligations, a security which reduces prepayment risk.C) the participation certificate, a security which passes the borrower's mortgage payments equally among all the owners of the certificates.D) the securitized mortgage, a security which increases the liquidity of otherwise illiquid mortgages.Answer: ATopic: Chapter 14.8 What Is a Mortgage-Backed Security?Question Status: Previous Edition39) The interest rate borrowers pay on their mortgages is determined byA) current long-term market rates.B) the term.C) the number of discount points.D) all of the above.Answer: DTopic: Chapter 14.2 Characteristics of the Residential MortgageQuestion Status: Previous Edition40) A loan for borrowers who do not qualify for loans at the usual market rate of interest because of a poor credit rating or because the loan is larger than justified by their income isA) a subprime mortgage.B) a securitized mortgage.C) an insured mortgage.D) a graduated-payment mortgage.Answer: ATopic: Chapter 14.8 What Is a Mortgage-Backed Security?Question Status: Previous Edition41) The percentage of the total loan paid back immediately when a mortgage loan is obtained, which lowers the annual interest rate on the debt, is calledA) discount points.B) loan terms.C) collateral.D) down payment.Answer: ATopic: Chapter 14.2 Characteristics of the Residential MortgageQuestion Status: Previous Edition42) Which of the following terms are found in mortgage loan contracts to protect the lender from financial loss?A) CollateralB) Down paymentC) Private mortgage insuranceD) All of the aboveAnswer: DTopic: Chapter 14.2 Characteristics of the Residential MortgageQuestion Status: Previous Edition43) What factors are used in determining a person's FICO score?A) Past payment historyB) Outstanding debtC) Length of credit historyD) All of the aboveAnswer: DTopic: Chapter 14.2 Characteristics of the Residential MortgageQuestion Status: Previous Edition44) Between 2000 and 2005, home prices increased an average of ________ per year.A) 2%B) 4%C) 8%D) 12%Answer: CTopic: Chapter 14.8 What Is a Mortgage-Backed Security?Question Status: New Question45) From 2000 to 2005, housing prices increased, on average, by over 40%. This run up in prices was caused byA) speculators.B) an increase in subprime loans, which increased demand for new and existing houses.C) both A and B.D) None of the above are correct.Answer: CTopic: Chapter 14.8 What Is a Mortgage-Backed Security?Question Status: Updated from Previous Edition14.2 True/False1) In 2012, mortgage loans to farms represented the largest proportion of mortgage lending in the U.S.Answer: FALSETopic: Chapter 14.1 What Are Mortgages?Question Status: New Question2) Down payments are designed to reduce the likelihood of default on mortgage loans.Answer: TRUETopic: Chapter 14.2 Characteristics of the Residential MortgageQuestion Status: Previous Edition3) Discount points (or simply points) are interest payments made at the beginning of a loan.Answer: TRUETopic: Chapter 14.2 Characteristics of the Residential MortgageQuestion Status: Previous Edition4) A point on a mortgage loan refers to one monthly payment of principal and interest.Answer: FALSETopic: Chapter 14.2 Characteristics of the Residential MortgageQuestion Status: Previous Edition5) Closing for a mortgage loan refers to the moment the loan is paid off.Answer: FALSETopic: Chapter 14.2 Characteristics of the Residential MortgageQuestion Status: Previous Edition6) Private mortgage insurance is a policy that guarantees to make up any discrepancy between the value of the property and the loan amount, should a default occur.Answer: TRUETopic: Chapter 14.2 Characteristics of the Residential MortgageQuestion Status: Previous Edition7) During the early years of a mortgage loan, the lender applies most of the payment to the principal on the loan.Answer: FALSETopic: Chapter 14.2 Characteristics of the Residential MortgageQuestion Status: Previous Edition8) One important advantage to a borrower who qualifies for an FHA or VA loan is the very low interest rate on the mortgage.Answer: FALSETopic: Chapter 14.3 Types of Mortgages9) Adjustable-rate mortgages generally have lower initial interest rates than fixed-rate mortgages.Answer: TRUETopic: Chapter 14.3 Types of MortgagesQuestion Status: Previous Edition10) Mortgage interest rates loosely track interest rates on three-month Treasury bills.Answer: FALSETopic: Chapter 14.3 Types of MortgagesQuestion Status: Previous Edition11) An advantage of a graduated-payment mortgage is that borrowers will qualify for a larger loan than if they requested a conventional mortgage.Answer: TRUETopic: Chapter 14.3 Types of Mortgages12) Nearly half the funds for mortgage lending comes from mortgage pools and trusts.Answer: FALSETopic: Chapter 14.4 Mortgage-Lending InstitutionsQuestion Status: Updated from Previous Edition13) Many institutions that make mortgage loans do not want to hold large portfolios of long-term securities, because it would subject them to unacceptably high interest-rate risk.Answer: TRUETopic: Chapter 14.4 Mortgage-Lending InstitutionsQuestion Status: Previous Edition14) A problem that initially hindered the marketability of mortgages in a secondary market was that they were not standardized.Answer: TRUETopic: Chapter 14.6 Secondary Mortgage MarketQuestion Status: Previous Edition15) Mortgage-backed securities have declined in popularity in recent years as institutional investors have sought higher returns in other markets.Answer: FALSETopic: Chapter 14.8 What Is a Mortgage-Backed Security?Question Status: Previous Edition16) Mortgage-backed securities are marketable securities collateralized by a pool of mortgages.Answer: TRUETopic: Chapter 14.8 What Is a Mortgage-Backed Security?Question Status: Previous Edition17) Fannie Mae and Freddie Mac together either own or insure the risk on nearly one-fourth of America's residential mortgages.Answer: FALSETopic: Chapter 14.4 Mortgage-Lending InstitutionsQuestion Status: Previous Edition18) A FICO score below 660 is considered good while a score above 720 is likely to cause problems in obtaining a loan.Answer: FALSETopic: Chapter 14.2 Characteristics of the Residential MortgageQuestion Status: Previous Edition19) Subprime loans are those made to borrowers who do not qualify for loans at the usual market rate of interest because of a poor credit rating or because the loan is larger than justified by their income.Answer: TRUETopic: Chapter 14.8 What Is a Mortgage-Backed Security?Question Status: Previous Edition14.3 Essay1) How has the modern mortgage market changed over recent years?Topic: Chapter 14.1 What Are Mortgages?Question Status: Previous Edition2) Explain the features of mortgage loans that are designed to reduce the likelihood of default.Topic: Chapter 14.2 Characteristics of the Residential MortgageQuestion Status: Previous Edition3) What are points? What is their purpose?Topic: Chapter 14.2 Characteristics of the Residential MortgageQuestion Status: Previous Edition4) How does an amortizing mortgage loan differ from a balloon mortgage loan?Topic: Chapter 14.2 Characteristics of the Residential MortgageQuestion Status: Previous Edition5) Evaluate the advantages and disadvantages, from both the lender's and borrower's perspectives, of fixed-rate and adjustable-rate mortgages.Topic: Chapter 14.3 Types of MortgagesQuestion Status: Previous Edition6) Why has the online lending market developed in recent years and what are the advantages and disadvantages of this development?Topic: Chapter 14.4 Mortgage-Lending InstitutionsQuestion Status: Previous Edition7) Why may Fannie Mae and Freddie Mac pose a threat to the health of the financial system?Topic: Chapter 14.8 What Is a Mortgage-Backed Security?Question Status: Previous Edition8) What are mortgage-backed securities, why were they developed, whattypes of mortgage-backed securities are there, and how do they work?Topic: Chapter 14.8 What Is a Mortgage-Backed Security?Question Status: Previous Edition9) What are the benefits and side effects of securitized mortgages?Topic: Chapter 14.7 Securitization of MortgagesQuestion Status: Previous Edition10) Discuss the pros and cons of a subprime market for residential mortgages in the U.S.Topic: Chapter 14.8 What Is a Mortgage-Backed Security?Question Status: New Question。

西南财经大学金融学院和金融学(双语实验班)专业人才培养方案

西南财经大学金融学院西南财经大学金融学院办学历史悠久，办学实力雄厚，学科优势明显，办学层次完整，在中国金融行业和金融教育界享有崇高的威望和影响。

学科办学历史可追溯到1925年光华大学商科银行学系，1997年在西南财经大学原金融系、国际经济系国际金融教研室以及农经系农村金融教研室的基础上组建金融学院，1998年金融学被评为中国人民银行行属重点学科，金融学专业开始招收博士后。

新中国成立后，全国第一部货币信用教材《货币信用论大纲》就是由金融学科教师彭迪先编著，在国内产生了极大的影响，该书于1956年被译成日文在日本三和书店出版。

1952年以后，彭迪先、留法博士梅远谋、何高著、留英学者程英琦、温嗣芳、柯瑞麒、汪桂馨等知名学者学成归国。

改革开放以后，涌现出一大批在国内外有重要影响的著名金融专家，如曾康霖教授、何泽荣教授、冯肇伯教授、刘锡良教授、林义教授、卓志教授、刘俊教授、殷孟波教授、陈野华教授、张桥云教授、赵静梅教授等。

金融学（双语实验班）专业人才培养方案一、培养目标本专业旨在培养具有坚实金融理论基础和良好英语沟通能力，既通晓国情，又了解国际规范，具备较强的领导力、团队合作能力和自主学习能力的复合型金融人才和未来金融领袖。

本专业毕业预期达到以下目标：目标1：职业道德：具有良好的思想政治素质、高尚的职业操守和服务社会的奉献精神。

目标2：专业素养：全面系统掌握国际化的金融管理理论知识，熟悉各种金融业务、金融法规和国内外有关金融的方针政策，了解本学科在国际上的前沿理论和发展动态，具备一定的研究能力。

目标3：应用与实践：能够灵活运用现代金融理论、技术与方法，分析实际金融问题并提出解决方案，能够胜任国际性金融工作。

目标4：创新精神：具有创造性思维、较强的动手能力、从事金融学理论研究的能力以及终身学习的能力。

目标5：国际视野：具有国际化视野、扎实的金融专业英语基础和跨文化交流能力，成为能够胜任国际性金融工作的复合型金融人才。

金融市场学双语题库及答案(第二章)米什金金融市场与机构

D) Both A and C of the above.
Answer: D
Topic: Chapter 2.1 Function of Financial Markets
Question Status: Previous Edition
7) Financial markets improve economic welfare because
Topic: Chapter 2.2 Structure of Financial Markets
Question Status: Previous Edition
13) Which of the following are primary markets?
A) The New York Stock Exchange
Question Status: Previous Edition
14) Which of the following are secondary markets?
A) The New York Stock Exchange
B) The U.S. government bond market
C) The over-the-counter stock market
C) experience economic hardship and financial crises.
D) increase its standard of living.
Answer: C
Topic: Chapter 2.1 Function of Financial Markets
Question Status: Previous Edition
Answer: D
Topic: Chapter 2.1 Function of Financial Markets

金融学专业课程双语教学实践中的问题与思考

理，加强师生之间的有效沟通、互动，开展多种形式的双语教学活动。
关键词：融学专业课程；语教学；金双问题；路思中图分类号：Ｇ４６２文献标识码：Ａ文章编号：６１４９－２０）０００－２１７－７２（０９１－２６０的复合型人才的必要途径。２双语教学实践中出现的问题
的。开展金融学专业课程的双语教学，使学生同时掌握学科的专业知识和相应的专业外语，既为其未来从事实务打下基础，更重要则是使其具备进一步阅读外文专业文献的能力目前，许多学校将双语教学的目标定位为提高英语教学质量，甚至提出要以此提高学生的英语听说能力，少部分学生也抱着为通过四、六级考试的目的而选择双语课程，这是值得商榷的。笔者认为，提高学生的英语听、、写能力，说读、应
题。
题一考
学工作，提高教学质量的若干意见标志着双语教学在全国，高校的本科教育中正式推广。而后，２００４年全国高校双语教学工作协作组正式成立；２０年由浙江大学承建的“ 国０６全高校双语教学资源网ｈｔ：／ｗ．ｔｃｅｕｃ ”开通；０７ｔｐ／ｗｗｂｒ．ｄ．ｎ２０年启动双语教学全国示范课程建设项目。多年来，双语教学在国内高校不断升温和普及，各类高校都开展了不同程度的
教蕊
１双语教学及其必要性
双语教学（ｉｉｇａｄｅｔ）ＢｌｎｕｌＥｕａｉｎ一般被定义为同时使ｏ用母语（也称第一语言）和第二语言（或外语）来组织、排、安实施教学活动，使学生在学习的过程中，可以通过两种不同语言对同一知识的描述，达到理解、思考进而掌握的目的。由于英语处于国际语言的地位，因此在我国双语教学一般是指同时用汉语和英语进行学科教学的一种体系，以提高学生全球意识和国际化交流能力。上世纪９０年代，我国就开始在部分重点院校进行双语教学试点。２０年，０１教育部制定（（关于加强高等学校本科教

金融学原理Principles of Finance双语课件PPT 06 Business Organizations and the Tax Environment

Multinational versus Domestic Managerial Finance
Multinational versus Domestic Managerial Finance
Different currency denominations Economic and legal ramifications Language differences Cultural differences Role of governments
Agency Relationships
Owner/principal hires an agent and delegates decision-making authority to that agent to act on behalf of the principal Agency problem exists when conflict of interest between principal and agent
Stockholder wealth maximization Managerial incentives to maximize shareholder wealth
The Goals of the Corporation
Stockholder wealth maximization Managerial incentives to maximize shareholder wealth Social responsibility
Structuring management incentives
executive stock options performance shares
Stockholders versus Creditors

应用型本科金融学专业双语教学存在的问题与对策

国各地高校广泛开展了金融学专业的
双语教学。应用型本科高校也不例外，
相继开设了《国际金融》《、货币银行等、《金融市场等等双语课程，在
取得一定成果的同时也存在着诸多的
问题。
一
型的双语教学模式；３％的学生能够接９受混合型的双语教学模式；５％的学生６希望采用半外型的模式。
金融行业是我国改革开放过程中
是内容非常全面，教师在授课过程中
不可能就教材的内容面面俱到地讲解，
识分析问题、解决问题。这样造成的
后果是学生在学习完课程后，还不知道
的一块重地。随着２００２年中国资本市场引入合格境外机构投资者（ＦＩＱＩ）允许外资进入中国的资本市场，２００６年中国的银行业全面对外资开放，２００７
也在走出国门，不断地融入国际金融市场。在中国金融业参与全球化和国际化的浪潮中，对金融业从业人员的素
看懂少：。困难主要在于词汇的限郎分制和对行文习惯的不适应，因此，９％０的学生：使用英文原版加汉语注解希望
（三）学生特点
、
应用型本科金融学专业双语
首先，学生对双语教学的目标认识不清，在学习过程中把主要的精力
而是主要讲授基本思想，教材的具体内容则主要由学生课下阅读理解，这样就需要学生用大量的时间阅读教材，

金融学(双语)复习资料第3章

Chapter 3SECURITIES MARKETSTRUE/FALSEF 1. The major function of the New York Stock Exchange isto raise funds for corporations.F 2. The SEC sets the margin requirement.F 3. If a stock is quoted 10-11, an investor can sellthe stock for $11 a share.T 4. Stocks not traded on an organized exchange are tradedover-the-counter (e.g., the Nasdaq stock market).T 5. A brokerage firm that offers to buy and sell a stockat specified bid and ask prices is "making a market."T 6. A "specialist" makes a market in stocks traded on an organized exchange.T 7. Investors are protected from failures of brokerage firmsby the Securities Investor Protection Corporation.F 8. In a short sale investors sell stock they own with the intention to buy it back within a short period of time.T 9. Short sellers profit when security prices decline.F 10. The larger the margin requirement, the greater theproportion of a stock purchase the investor may borrow.F 11. NYSE is a system for providing bid and ask prices forover-the-counter (OTC) stocks.T 12. The efficient market hypothesis suggests that investors should not expect to outperform the market.T 13. The American Stock Exchange is an example of a secondary market.F 14. A purchase of 50 shares is an example of an even lot.F 15. The person who makes a market in a stock traded on the NYSE is called a dealer.T 16. After investors purchase securities, they must make payment by the settlement date.F 17. The margin requirement for stocks is set by the Federal Reserve.T 18. The use of margin increases the potential percentage return on an investment in stock.F 19. Securities markets are often inefficient, so investors can anticipate beating the market over a period of years.T 20. Stock prices tend to adjust rapidly to new information. MULTIPLE CHOICEc 1. The regulation of security marketsa. protects investors from poor investmentsb. is enforced by the Federal Reservec. is enforced by the SECd. applies only to government securitiesc 2. Organized securities marketsa. are examples of financial intermediariesb. transfer resources from savers to borrowersc. are secondary marketsd. are not subject to regulationb 3. The individual (or firm) who makes a market1. guarantees to buy at specified (bid) prices2. guarantees to buy at specified (ask) prices3. guarantees to sell at specified (bid) prices4. guarantees to sell at specified (ask) pricesa. 1 and 3b. 1 and 4c. 2 and 3d. 2 and 4d 4. The minimum margin requirement is established bya. brokerage firmsb. Congressc. the SECd. the Federal Reserveb 5. If an investor sells short, the individual1. sells borrowed securities2. sells securities from his or her portfolio3. anticipates a price increase4. anticipates a price decreasea. 1 and 3b. 1 and 4c. 2 and 3d. 2 and 4c 6. American Depository Receipts1. represent American securities traded abroad2. represent foreign stocks traded in the United States3. facilitate trading in foreign stocks4. facilitate trading in American securitiesa. 1 and 3b. 1 and 4c. 2 and 3d. 2 and 4d 7. The efficient market hypothesis suggests1. American securities markets are not competitive2. American securities markets are very competitive3. investors can expect to outperform the market4. investors cannot expect to outperform the marketa. 1 and 3b. 1 and 4c. 2 and 3d. 2 and 4a 8. In an efficient market, security pricesa. adjust rapidly to new informationb. adjust slowly to new informationc. poorly value a firm's future prospectsd. indicate that the firm is overvaluedc 9. If an individual buys stock on margin and its price rises,a. the investor must put up additional collateralb. the investor must pay tax on the unrealized gainc. the investor must pay interest on the borrowed fundsd. the investor may take delivery of the stockb 10. Efficient securities markets imply thata. investors cannot outperform the marketb. investors cannot expect to outperform the marketc. security prices are randomly determinedd. there is little risk of loss over an extended investment horizond 11. An investor may place a limit order thata. limits the amount of commissionsb. specifies when the stock will be purchasedc. establishes the exchange on which the securityis to be bought or soldd. states a price at which the investor seeks tobuy or sell the stockd 12. A specialista. stresses one type of investmentb. only buys stockc. analyzes corporate securitiesd. makes a market in securitiesb 13. The New York Stock Exchangea. is a financial intermediaryb. is a secondary marketc. transfers funds to businessesd. forbids buying stock on marginb 14. If the quote on a stock is reduced,1. supply exceeded demand2. demand exceeded supply3. some potential buyers leave the market4. some potential buyers enter the marketa. 1 and 3b. 1 and 4c. 2 and 3d. 2 and 4d 15. Entering a sell order at $18.50 when the bid is 18-19a. is a market orderb. illustrates a short salec. requires a margin paymentd. is a limit orderd 16. Buying stock on margin1. is an example of financial leverage2. is buying stock with borrowed funds3. requires leaving the stock with the brokera. 1 and 2b. 1 and 3c. 2 and 3d. all threea 17. Over-the-counter stock quotes are obtained througha. Nasdaqb. SECc. SIPCd. FDICc 18. The efficient market hypothesisa. suggests that the market for securities is becomingless efficientb. implies that investor can consistently outperformthe marketc. is built upon competition and the rapid dissemination of informationd. suggests that security prices change slowly over time d 19. Which of the following is inconsistent with efficient securities markets?a. stock prices change rapidly in response to newinformationb. investors cannot expect to outperform the marketconsistentlyc. bond prices change rapidly in response to newinformationd. analysis of financial data will lead to superiorinvestment performance。

国际金融课程双语教学中的问题

我国人才需求结构的重大变化。２０年对国际金融领域的事件和中国涉外金融际金融教材使用英文原版，教师课堂讲０１但
教育部《关于加强高等学校本科教学工作方面的改革发展政策进行分析，这样才能授、与学生交流却使用中文或很少使用英提高教学质量的若干意见》明确提出，高满足经济全球化的需要。而这些都建立在语，作业和考试也均使用中文，这实际上等学校要在各专业开设一定比例的双语较高的外语应用能力之上。因此，该课程不是真正的双语教学。这两种模式都不是课程，并逐步推动双语教学。２００４年《普采用双语教学是由课程自身特点决定的。真正意义上的双语教学。前者错误理解了通高等学校本科教学工作水平评估方案》
２、开展双语教学是高素质人才培养国际金融双语教学的内涵，过分强调外语规定，本科教学的达标与双语教学挂钩，的要求。随着经济全球化和区域经济一体沟通能力的培养，使得专业课变身为语会在适宜专业中双语授课比例要大于１％。化步伐的加快，０国际经济活动中金融创新言课；而后者也只能算是双语教学的初期
合所学知识表现；将外教引入课堂教学活克服各类学习焦虑、目标迷失等问题，从ｔｅｒｔｃ１ｆａｅｏｄ【】ＭｄｒｈｏｅａｉｒｍｗｒＪ．ｏｅｎ
动，通过外教的现身教法，引导学生更好而进一步提升其学习的能力，以达到良好
烈。外国企业大批进入我国，国许多优实现的一门学科。通过这门课程的学习，融双语班演变成英语强化班；我一些教学过秀企业也争相到国外拓展市场，引起了使学生能够运用国际金融的理论与方法程还处在双语教学的初级阶段。比如，这国

高校《金融市场学》双语教学探析

笔者认为可以从以下几个方面改变这种现状：一是
种新的教学模式，从而引起他们的好奇心和求知欲，
外文教材内容更新颖、案例多，实用性强，有利于学生拓展知识面，在学习专业知识的同时扩大了外语金融专业
词汇，同时也为以后专业外文文献的阅读奠定了一个良好的基础；同时也出现了一些消极影响：师的“ 堂但老满灌” “ 或填鸭式 ” 学使学生难以在短时间内消化吸收，教学生外语基础参差不齐，以做到步调一致，至有少难甚量学生产生了厌学情绪，最后可能导致学生和老师的配
语教学探析
一
、
金融学专业开展双语教学的必要性
随着金融全球化进程的不断加快，金融人才的竞争日益增强，国际通用的英语来思考、作交流的能力用工越来越重要。如何Ｊ顿应这一潮流，培养和造就专业知识和语言水平都具有竞争力的金融人才，一直是各高等院校共同思考的重要问题。因此高等院校对金融专业学生实施双语教学是实现培养大批高素质复合型金融人才的有效路径之一，金融市场学》课程是教育部明确的《金融学六大主干课程之一，以本文以高校《所金融市场学》课程为例探讨一下双语教学的存在问题和应对策
合可能不理想。三、高校《金融市场学》课程双语教学存在的问题分析及解决对策
１．关于教材
慎重选择双语教师，在专业教师中选拨那些具有扎实的听、、、、等功底的教师；说读写译二是敦促双语教师在讲授专业知识的同时要加强对外语的学习，以通过参加可雅思、托福、Ｒ等考试的方式进一步提升外语水平，ＧＥ对有条件的学校要定期选拔一些骨干教师到国外进修和培训；学校要与双语教学开展的较好的其他高校积三是