金融英语复习

(1) The primary of corporate finance is to corporate value while managing the firm’s financial risks.(2)Financial mathematics is the study of financial data with the tools of ，mainly 。

(3)Capital, in the financial sense, is the that gives the business the power to buy goods to be used in the production of other goods or the of a service.(4)A cash budget is extremely important, especially for small business, because it allows a company to how much credit it can extend to customers before it begins to have problems.（5）A bank the activities of many borrowers and lenders. A bank deposits from lenders, on which it pays the interest.（6）Capital investment decisions are choices about which projects receive investment, whether to that investment with equity or debt, and when or whether to pay dividends to shareholders.（7）Jobs in banking can be exciting and offer excellent opportunities to learn business interact with people and build a clientele. Today’s commercial banks are more diverse than ever. You’ll find a tremendous range of opportunities in commercial banking, starting the branch level where you might start as a teller to a wide variety of other services such as leasing, credit card banking, international finance and trade credit.（8）Banking is going a period of tremendous consolidation with frequent mergers and layoffs.（9）Mergers abound such as those Citibank and Travelers into Citigroup or National Bank and Bank-America.（10）Because commercial banks remain profitable and are more involved than ever in the financial markets, they are with Wall Street for “high-tech finance jock”in foreign exchange derivatives and financial engineering.（11）Your job will be to make mortgage loans to homebuyers and business. This involves heavy contact real estate professionals, credit checks, and dealing with new buyers.（12）If you are internet savvy and familiar computers you will have an edge in banking.（13）One of the main differences the money market and the stock market is that most money market trade in awfully high denominations.（14）The money market is better known a place for large institutions government to manage their short-term cash needs.（15）There are several different instruments the money market, offering different returns different risks.（16）CDs are generally issued commercial banks but they can be bought through brokerages. They bear a specific maturity date (from 3 months to 5 years), a specified interest rate, and can be issued in denomination, very similar to bonds.（17）The biggest reason that T-bills are so popular is they are one of the few money market instruments are affordable to the individual investors.（18）A bankers’ acceptance is a short-term credit investment created a non-financial firm and guaranteed by a bank to make payment. Acceptances are traded discounts from face value in the secondary market.（19）A commercial bank offers a wide range of savings programs for customers. Along with standard savings accounts, the commercial bank may also interest bearing checking accounts, certificates of deposit, and other savings strategies that are to provide a small but consistent return in exchange for doing business with the bank.（20）Sometimes people might use an interest checking account instead of a savings account. If you really plan not to your money for a few months, it makes sense to use a savings account .（21）A fixed rate mortgage is a mortgage in which the does not change during the term of the loan.（22）A typical checking account is through careful posting of deposits and withdrawals. The account holder has a supply of official checks which all of the essential routing and mailing information.（23）In recent years there have been some unfortunate scams involving bank drafts that are pony. Since printers are now so capable of very realistic appearing checks, people have been into taking bank drafts that don’t truly have any value.（24）Credit card use often problematic when the holder more debt than a regular monthly payment can cover.（25）Trough open market operations, a central bank influences the money in an economy directly. Each time it buys securities, exchanging money for the security, it the money supply. Conversely, selling of securities lowers the money supply.（26）Central bank generally money by currency notes and “selling” them to the public for interest-bearing assets, such as government bonds.（27）Typically a central bank certain types of short-term interest rates. These the stock and bond market as well as mortgage and other interest rates.（28）All banks are required to a certain percentage of their assets as capital, a rate which may be by the central bank or the banking supervisor.（29）The mechanism to move the market towards a “target rate” is generally to money or borrow money in theoretically unlimited quantities, until the targeted market is sufficiently to the target.（30）Most countries control bank mergers and are wary of concentration in this industry the danger of groupthink and runaway lending bubbles a single point of failure, the credit culture of the few large banks.（31）The currency trader should also decide the time that he will be using to trade in order to determine which trend will be the most important.（32）The bid is the price at which dealers are willing to dollars (base currency) in terms of yen (quote currency) and users of our trading platform can dollars in terms of yen.（33）The order remains active until the end of the trading day(5:00 PM EST), unless it isor canceled by the trader.（34）A GTC order remains active until it is canceled by the currency trader or until the order is executed. It is the responsibilities to a GTC order.（35）The Foreign Exchange Market is where the majority of buying and selling of world takes place.（36）When placing a limit order, the trader also specifies the for which the order is to remain active while it is not executed.（37）Interest Rate Risk is the number one source of risk to fixed-income investors, because it’s the cause of price volatility in the bond market.（38）In the of bonds, interest rate risk translates market risk: The behavior of interest rate, in general, affects all bonds and cuts all sectors of the market-even the U.S Treasury market.（39）When market interest rates rise, bond prices fall, and vice versa. And as interest rates become more volatile, do bond prices.（40）This is a type of bond that makes no coupon payments but is issued at a considerable discount to par value. For example, let’s say a zero-coupon bond with a $1000 par value and 10 years to maturity is at $600; you’d be paying $600 for a bond that will be worth $1000 in 10 years.（41）Bonds have a of characteristics of which you need to be aware. All of these factors play a role in determining the value of a bond and the extent to it fits in your portfolio.（42）In general, fixed-income securities are classified the length of time before maturity. These are the three main categories.(1)金融管理是商业管理的重要方面之一，没有合适的金融计划，企业是不可能成功的。