浙江财经大学金融英语复习版

单选2*5
判断1*10
中英互译8*5（中译英3，英译中2）
名词解释5*6
小作文10*1 结论+论据（5到6句话）
单项选择比考点
HKD 港币hongkong
DEM 德国马克（Deutsche Mark）Germany
CHF 瑞士法郎SWITZERLAND 瑞士
SEK 瑞典克朗sweden 瑞典
BEF 比利时法郎Belgium 比利时
CAD 加拿大元Canada
USD
GBP 英镑GREAT BRITAIN
ITL 意大利里拉Italy
NLG 荷兰盾holland
NOK挪威克郎norway
DKK丹麦克朗denmark
FRF法国法郎france
JPY 日元
Aud
ESP 西班牙
基点0.01% one hundredth of one percent
名词解释
Central bank: a financial institution designated by the central government to formulate and implement monetary policy and to
supervise and regulate the financial industry
Savings（current）deposit(活期储蓄存款)：
Savings（current）deposit is a method of deposit that sets no limit on length of maturity,time and amount of deposit and withdrawl.
Time deposit :
It is a kind of deposit with a definite length of maturity,deposited and,withdrawn together with the interest in a lump sum or by installment
Time deposit of lump-sum deposit and withdrawal(整存整取定期储蓄存款)（50元）:It is a kind of deposit with a definite length of maturity,deposited and,withdrawn together with the interest and principal in a lump sum
Time deposite of small savings for lump-sum withdrawl(零存整取定期存款)(5元)
It is a kind of deposit thar the length of maturity and a fixed amount of deposit are agreed at the time of account opening, and money is deposited by month
Time deposite of principal receiving and interest withdrawal(存本取息定期储蓄存款)5000
It refers to savings deposit whose principal is deposited by lump sum,whose interset is withdrawn by installment and whose principal is repaid when on due date.
Time or savings optional deposit (定活两便储蓄存款) 50
It is a kind of deposit with indefinite length of maturity whose interest rate varies in line with the length of maturity.
Housing loans
They are loans granted by bank to borrowers to facilitate their housing purchasses.
Housing loans for personal possession
They are loans granted by bank to borrowers to facilitate their housing purchasses by taking credit funds (信贷资金)from the bank as the sourse of payment
Housing loans on Authorization
They refer to loans to individuals who buy ordinary houses granted by the bank on the authorization of the public reserve fund management department, according to the prescribed requirements,and with the public reserve deposits as the source of funding.
Auto loans
They are Renminbi consumer-loans granted to individuals or legal persons to finance the purchases of cars
Commercial education loan
Commercial education loan refers to consumer loans granted by the lender to borrowers to finance the tuition and miscellaneous fees of the borrowers or the persons under their legal guardianship in studyin at domestic secondary schools or ordinary higher learning institutes or for master’s or doctor’s degree,or studing at universities or for master’s or doctor’s d egree outside china
State education loans
State education loans refer to educational loans granted by the lender to borrowers that are given fiscal interest discounts by the central financial authorities or local financial sectoes,and are used for the tuition and micellaneous fees,lodging and livin expenses of the borrowers in studying at domestic higher learing instirutes for full-time undergraduate,professional,or graduate courses. Small consumer credit loans
Small consumer credit loans are consumer credit loans granted by the lender to borrowers with good credit standing to facilitate normal consumption,labor service and other fee payments.
Expected rate of return 预期收益率
The rate of return that we expect to earn when we loan money to someone or invest in a business
The earnings or profit on money we lend or invest expressed as a percentage of the amount of money loaned or invested
The possibility that a loan or investment will not produce the return we expect or that we will actually lose money.Risk is the financial uncertainty that the actual return on an investment will be different from the expected return,Factors of risk that can affect an investment include inflation or
A draft accepted by a bank and used as a form of borrowing in the money market
Capital market 资本市场
Markets for financial assets and liabilities with maturity greater than one year,including long-term government and corporate bonds,preferred stock,and common stock.Money obtained by issuin this type of instrument is repayable after one yeat and in the case of most equity securities,it is not expected to be repaid.
Capital Structure 资本结构
The proportion of debt and equity and the particular forms of debt and equity chosen to finance the assets of the firm
Default risk 违约风险
The uncertainty that some or all of an investment may nor be returned
Liquidity 流动性，变现能力
Liquidity is the ease with which financial assets can be converted to cash without creating a substancial change in price or value.Liquidity is influenced by the amount of float in the security,investor interest and size of the investment being converted to cash
Private placement 私募配售
A securities issue privately placed with a small group of investors rather than through a public
Shares that pay a fixed dividend and have a claim on the assets of a corporation ahead of the common shareholders
Capital gain 资本利得
The amount of profit realized when an asset sold at a price higher than the purchase price. Capital loss 资本损失
The amount of profit realized when an asset sold at a price less than the purchase price. Discount 贴现（单选）
The margin by which the purchase price is cheaper than the redemption 赎回；偿还；补救price.If a bond is selling below its face value,it is said to sell at a discount.
The return earned on an investment taking into account the annual income and its present capital value.There are a number of different types of yield and in some cases different methods of calculating each type.
Yield to maturity 到期收益率
The discout rate that equates the present value of interest payments and redemption n.赎回；偿还；补救value with the present price of the bond
Zero coupon bond 零息债券
Bonds that are sold at a deep discount and pay no interest
Registered bonds 记名债券
Bonds for which each issuer maintains a record of its bonds.countries requiring thar bonds be issued in registered form include the United States and Japan
不记名债券
Bearer bonds
Common share
Security representing equity ownership ina corporation;holders of common shares have the right
to elect the directors and receive dividends;common shareholders rank after creditors, bondholders and preferred shareholders.
Private placement 私募配售
A securities issue privately placed with a small group of investors rather than through a public offering
At the time of account opening,you will be asked to fill in a deposit slip,and the savings outlet will give you a certificate of deposit agaist which the principal and interest may be withdrawn at tine of maturity
当账户开立时，开户时，你会被要求填写一张存款单，并且储蓄机构会给你一个存款证明关于本金和利息可以在到期时收回。

The client needs to countersign(复签) the traveler’s cheque in the presence of the paying cashier immediately and the countersignature shall be consistent with the initial signature.
客户需要在付款收银员面前立即复签旅行支票并且复签签名必须与原始签名一致
Our bank may,entrusted by the client,collect from the relevent payer abroad such bills as personal cheque,postal order,fiscal cheque,draft,corporate cheque and bank cheque for which our bank dose not bear paying liability.
我们的银行，由客户委托，收取相关付款人的票据款项如私人支票，邮政支票，财政支票，汇票，公司支票和银行本票。

而我们的银行不承担付款责任。

When collection is handled,a collection application in duplicate shall be filled in,with one copy returned to the client to serve as a certificate for obtaining proceeds
当托收受理时，托收申请需要一式两份填写，一份返回到客户作为获取收益的凭证。

掌握投资银行中的关键词
Important note:depending on the way in which money is made,the supplier earns interest(loans including bonds),dividends(shares) or profit(business or real estate)
Term 定期
How fast a loan is to be paid or an investment converted back into cash.
Flip it 抛售
Downpayment首付
Currency conversion 汇兑
Savings deposite 储蓄账户
Housing loans for individuals 私人住房贷款
Cash flow 现金流
Compensation 代偿
质物hostage
Guarantee 被担保人
Guarantor
Stipulated adj. 规定的
Evaluated value 估值
Registered treasury bonds 凭证式国债
Joint and several liability guarantees 连带责任
Pledge 质押
Mortgage 抵押
Shortfall 不足部分
Credentials 身份证明
The pubilic reserve fund 公积金
Subrogation 代理人
Proceeds 收入、获益
down payment n.预付定金;分期付款的首次交款
Undertaking n.企业
Stipulate 规定
Savings deposit 储蓄账户
Lump-sum deposit 整存
Lump- sum withdrawal 整取
Time deposit 定期存款
Passbook 存折
Small savings 零存
Principal receiving 本金
Debit card 借记卡
Maturity 到期
Certificate of deposite 存单，存款证明
Default 违约
deposit slip 存款单
Certificateed deposit 大额存单Registered treasury bonds 记账式凭证Pledge security 安全等级
Notarized 公证的
notary office 公证处
Commission 手续费佣金
Remit V.汇款
Remittance n.汇款
outward remittance 汇出汇款
Trade acceptance bills商业承兑汇票Bank acceptance bills 银行承兑汇票Bill discount 贴现
Become due 到期
Collect the sum under the bill Encash 变现
Formality正式手续
Turnover转手
In good faith诚实守信Hypothecation抵押
Automatic renewal 自动续约Working capital 营运资本
Full capacity for civil conduct Compatriots 同胞
In question 所提及的
Combined guarantee 混合型担保Credentials 身份证明
Residence registration
Certificate of ownership 产权证明Written document书面证明
By subrogation 代理
V olatility 波幅
Debt securities 债务型证券Redeem 赎回，变现
Coupon rate 息票率
Current yield 当期收益率
Par 票面价
Blue chip firms蓝筹股
Collateral 抵押物
Debenture 无担保公司债务
Manage financial affairs
Intermediary 中间人
Primary market
Secondary market
policy holder 投保人
Stock exchange
Physical markets 实体市场
Intangible or notional markets Derivatives market 衍生品市场
The capital market
Marketability and liquidity适消性及流通性Offer 出售报价
Semi-annually
Redeem 赎回
Perpetual永久
Local money
Mandate n.任务
At the capacity of 以.....资格compliancen. 顺从，服从；承诺Run 挤兑
Promulgate 颁布
Subsidiary adj. 附属的；辅助的
n. 子公司；辅助者
超额认购（Oversubscribed）
co-ordination n. 协调；配合Remuneration n. 报酬；酬劳，赔偿Miscellaneous fees 杂费
Registered treasury bonds 凭证式国债CD存款凭证
Hhyothecation 抵押
Undue certificate 未到期凭证Automatic renewal 自动续约
Working capital 营运资本
Central bank
Function
Formulate
Implement
Monetary policy
Issue
Administer
Circulation
License
Supervise
Financial institutions
Regulate
Financial market
Foreign exchange
Gold reserve
Fiscal
Payment
Settlement
Statistical data
SAFE
A bank for banks
The government’s bank
Supervisor and regulator
Money manager
Reserve requirements
Discount rate
Open market operations savings deposit
lump-sum deposit
lump sum withdraws
time deposit
passbook
small savings
principal receiving debit card
certificate
maturity
Installment
Principal
Certificate of deposit Default
Maturity
Sub-division
Consumption
Telephone banking Hypothecation质押
Personal cheque
Postal order
Fiscal cheque
Draft
Corporate cheque
Bank cheque
Paying liability
The principal Beneficiary
Notary office Commission
recourse。