第一章 金融英语介绍
金融专业英语 Unit 1 Money
Learning Targets
After learning this unit, you will be able to: understand the general definition of money; explain the functions of money; explain the forms of money; describe the contents of monetary system.
0 9 International Financing
1 0 Financial Derivatives
1 1 International Financial Institution
12
International Banking Regulatory Framework
Unit 1 Money
1.1 Introduction 1.2 Functions of Money 1.3 Forms of Money 1.4 Monetary System
1.1.1 History of Money
简单或偶然的价值形式
扩大的价值形式
一般价值形式
货币形式
Simple or Accidental Expanded Form of
Form of Value
Value
General Form of Value
Currency Form
1.1.1.1 Simple or Accidental Form of Value
1.1 Introduction
1.1.1 History of Money
Human society has existed for millions of years, but the emergence of money is only a few thousand years. There are many theories about the origin of money in history, but none of them have formed a complete theoretical system. Until Marx, from the view of dialectical materialism (辩证唯物 主义) and historical materialism (历史唯物 主义), explained the essence of money— the labor theory of value (劳动价值论). Marx believed that money originated from commodity exchange, and its economic root was private ownership. It was formed spontaneously in the process of commodity exchange.
最新金融英语课件(unit 1)
外汇清算 multilateral/bilateral clearing 多边/双边清算
Exercises and Key to Exercises
（1）1.英格兰银行 Bank of England 2.银行营业部
the central bank system in the United States : FED ---- The Federal Reserve System.
the central bank system in Britain (part A):
Bank of England
Now, let’s turn to the FED. Please try to find out the differences between the central bank system in British and the United States.
Language Points(语言点）
6. acquisition knowledge acquisition 知识收集 language acquisition 语
言习得 lump-sum acquisition 总价采购 real estate acquisition
不动产购置 7. finance n. 财务；金融；资金v.为（计划等）提供资金，
Language Points(语言点）
9. discount n. 折扣，贴现 bank discount 银行折扣，银行贴现 cash discount 付
现折扣 compound discount 复利贴现 customary discount 行
大学金融英语chapter 1 Basics of Money
Main Text
Why Studying Money
Money is essential for the operation of any economy. It is widely used in modern society by people, governments and businesses.
the text. 6. How many kinds of money do you know? Name
them as many as you can.
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This is the end of Chapter 1
Thank you for your attention
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Notes
16. ready money or ready cash 现金 17. danger money 危险工作补贴 18. standard money 本位货币 19. smart money 投资于有高回报工程的钱 20. safe-heaven money 币值稳定且有升值空间的钱 21. fiat money 不兑现纸币 22. token money 辅币
hyperinflation）
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Notes
8. legal tender 法定货币，法币 9. legal process 法律手续 10. Say’s Law 萨伊法则 11. Milton Friedman 米尔顿·弗雷德曼（美国和世界知名货币主义者
who is for steady government-controlled money growth） 12. negotiable instruments 可转让票据（又译流通票据/证券） 13. near money 准货币=quasi money 14. postal orders （英）邮政汇票 15. bill of exchange（英）汇票（美语带用draft表示同样意思）
金融专业英语自我介绍
金融专业英语自我介绍金融专业英语自我介绍（通用10篇）当碰到不熟悉的人时，时常需要用到自我介绍，用自我介绍往往可以向他人介绍自己。
那么什么样的自我介绍才合适呢？下面是小编精心整理的金融专业英语自我介绍，供大家参考借鉴，希望可以帮助到有需要的朋友。
金融专业英语自我介绍篇1Good morning , professors ! It is my great honor to be here for this interview.First , I wanna introduce myself . My name is Huchunyang. I am twenty-three years old. I graduated from Nankai University last year ,and my major is financial engineering .During the four years undergraduate, I spent most time in studying and practicing . I have acquired some basic knowledge of finance. In addition, I passed the College English Test Band 6. In my spare time , I like watching sport matches and doing some physical exercises , I also like having a trip and taking a photograph .After graduation , I found that the knowledge I have learned is not enough to solve problems .Further study is indispensable for me to eich my knowledge and to prepare my future career .Besides , I still love the feeling in the university which is full of youthful strength and team spirit . So I decided to take the graduate entrance examination.TianJin University of finance and economics is a famous university in the field of finance , it has beautiful campus , highly qualified faculty and strong academic environment . I dream to become a graduate student of this university . If luckily I could be admitted to this university , I will go on working hard and devoteall my self to my study .That is all about myself ,thank you very much !金融专业英语自我介绍篇2good morning !it is really my honor to have this opportunity for a interview,i hope i can make a good performance today. im confident that i can succeed.now i will introduce myself brieflyi am 22 years old,born in hebei province .i was graduated from hebei university. my major is finance.and i got my bachelor degree after my graduation in the year of XX.i spend most of my time on study,i have passed cet4 . and i have acquired basic knowledge of my major during my school time.in july XX, i begin work for a small private company as a technical support engineer in baoding city.because im capable of more responsibilities, so i decided to change my job.and in august XX,i left baoding to dongguan and worked for a joint-stock companies as a storefront salesperson .because i want to change my working environment, id like to find a job which is more challenging. icbc is a global company, so i feel i can gain the most from working in this kind of company ennvironment. that is the reason why i come here to compete for this position.i think im a good team player and im a person of great honesty to others. also i am able to work under great pressure.that’s all. thank you for giving me the chance.金融专业英语自我介绍篇3Good morning, examiner!My name is XXX, 15 years old this year. From XXX, graduatedfrom XX school in finance. After graduating from the industrial and Commercial Bank of China in 1 years, and work in commercial banks in a year's time. People go to high, water flows downwards. The top two job because there is no potential for development is too big, I quit the job, in order to seek better, more future work.Today, I want to pass the exam to go on the bank job desire is so urgent! My family has three sisters, two sisters at work, in order to take care of old age parents, I have been staying with them. I have opened the shop, first planning crafts, and planning. But regardless of clothing how to do business with a bank clerk, when the end is my spirit of relaxation and is willing to spend a lifelong effort to seek the cause.I have repeatedly to test, but because of various reasons and failed to make his dream come true, but I not to deliberately, as long as there is a chance, I will always test it, until the ambition become true so far. Now my life has honed, than my hand for competition in the age I have do not have the advantage, but I more than they a sense of responsibility for work, patience and sincerity for the unit, a more mature and confident.The bank clerk this profession is sacred and great, he asked me to not only have a wealth of professional knowledge, but also a noble sentiment. Therefore, in the book, I will pay great attention to its comprehensive development, widely develop their own hobbies, and learn to have expertise, do have professional expertise and, if I through the interview, become a member of many bank staff in the team, I will not stop work hard, work hard, I think I can be very good to win recognition of your XX post. Thank you!金融专业英语自我介绍篇4I’m glad to introduce myself to you. My Chinese nameis .com, but you can call me , my English name. I was born and raised in Guangdong, so I speak both Cantonese and Mandarin.I’ll soon graduate from Zhongshan University, majoring in accounting. I think you may have interviewed quite a lot of students from our school, so you know this major prepares us for CGA and most courses are taught in English. My GPA is 3.6, it ranks number 9 in the 115 students in my grade. And I’ve passed 15 exams in CGA, I anticipate I will get the CGA qualification in 2009.Besides having good academic performance, I was actively involved in student activities. I was in charge of Student Welfare (生活委员) in my class, and in the Student Union of our school. I enjoyed this position because what I did was very important to everybody, although it was mostly small details.I had a three-month internship in Guangdong Zhengzhong Accounting Firm. I did the inventory check and helped the accountants to make the auditing reports. My boss was pleased with my performance and he asked me to recommend my classmate to join our team.金融专业英语自我介绍篇5Dear interviewer, here today to attend the interview, I feel very honored. My name is , will graduate from the University. During my university professional outstanding performance, has won several scholarships, three good student, the best singers, outstanding graduates and so on.In the summer I had , in the summer social practice. My main job is to do some files in the community service center consolidation, community organizations children participate in some activities. In the summer of the year when I , a consultant in , you may wonder, why don't you find something better or hisprofessional work, in fact, it is this experience let me learn a lot. The sales work hard every day to work very long hours, but can only stand, this not only let me learn hard, but also improve the ability to communicate with people, and cultivate a good sense of service.I have a sense of responsibility. I spent three years as a vice monitor at the University, in charge of the class attendance work. When the students were late or absent, I will not to mind taking the trouble to give them a telephone call, so I became a few boys in our class every clock. Many people think that this work is not difficult please, do this work is not easy, but I can handle relationship with classmates is very good, not because I am dissatisfied with my classmates are impartial, or even in a few semester class peer, my score is the highest.At the same time my rigorous attitude, earnest, patience. The bank teller work is usually relatively trivial, to face every kind of people every day, my advantage is to do the little things on.金融专业英语自我介绍篇6Good morning, ladies and gentlemen! It is really my honor to have this opportunity for an interview.And I hope I can make a good performance today.Now let me introduce myself briefly. My name is Dong Fengjing. I am 24 years old, and born in Hebei province.I've finished my undergraduate education in Shandong Economic University Yanshan College with my major is International Economics and Trade. During the past 4years,I spend most time on studing and practice. Through this ,my ability of study and research have improved. I’ve passed CET-6 during my uni versity. And I’ve acquired basic knowledge of my major.But I still have great interest in finance,and I want to find a job in this field. I want to realize my dream and make myself to be a well-qualified person. So further study is definitely important for me because postgraduate studies can enrich my knowledge and make me competent in my future job. I plan to focus my research in this field in the graduate time. And I am confident that I can have a systematic view of finance and making a solid foundation for future profession after three years study here.OK, that’s all. Thank you very much.金融专业英语自我介绍篇7Good rnin!It is really honor to have this opportunity for a interview,I hope i can ke a od perfornce today. I'confident that I can succeed.Now i will introduce self brieflyI a22 years old,born in hebei province .I was aduated frohebei university. jor is i t bachelor deee after aduation in the year of 20xx.I spend st of ti on study,i have passed CET4 . and i have acquired basic knowled of jor durin school ti.In July 20xx, I ben work for a sll privatepany as a technical support enneer in use I'capable of re responsibilities, so I decided to chan job.And in Aust 20xx,I left baodinto donuan and worked for a joint-stockpanies as a storefront Salesperson use I want to chan workinenvironnt, I'd like to find a job which is re challenn ICBC is a obalpany, so I feel I can in the st froworkinin this kind ofpany ennvironnt. That is the reason why Ie here topete for this position.I think I'a od teaplayer and I'a person of eat honesty to others.Also I ble to work under eat pressure.That’s all. Thank you for vin the chance.金融专业英语自我介绍篇8I & & School financial professional students, my name is end with the xx, my college life, I also constantly improve their ability to learn more knowledge, to see the growth of their own step by step, I learn actively in the University, and students get along very well, have good interpersonal relationship. Focus on team spirit, cultivate their practice ability and practical ability.Through four years of university professional courses of study, master and skilled use of international finance, money and banking, the central bank, insurance, property insurance, life insurance, the western financial theory, financial market, financial marketing studies, bank accounting, commercial bank, western economics and other professional knowledge and skills, and master computer the primary, intermediate knowledge, proficient in Windows operating system, familiar with Internet, can use WPS, Microsoft Word and other document editing and operation, and can carry out the image design using Photoshop software, Master M Icrosoft Visual FoxPro database.Learning seriously hard, eager to progress, to learn every course, and through the national computer grade two examination. In real life, I put myself in the social reality, learning social knowledge, participated in many social practice, enrich their knowledge of society.This is me, with a solid professional foundation, high quality, small communications major resilience, frank and open, the Department of finance students humility music for. Of course, in front of knowledgeable, experienced senior, I was ignorant of the later, but in giving you the blueprint for life and career space.After Qin facing tomorrow, I am not the common run of men. I will be able to use their own hands to create a bright tomorrow, I hope your company can give me a chance.金融专业英语自我介绍篇9The examiner, good morning!My name is , 15 years old this year. From , x x graduated from school in finance. After graduating from the industrial and Commercial Bank of China in 1 years, and work in commercial banks in a year's time. People go to high, water flows downwards. The top two job because there is no potential for development is too big, I quit the job, in order to seek better, more future work.Today, I want to pass the exam to go on the bank job desire is so urgent! My family has three sisters, two sisters at work, in order to take care of old age parents, I have been staying with them. I have opened the shop, first planning crafts, and planning. But regardless of clothing how to do business with a bank clerk, when the end is my spirit of relaxation and is willing to spend a lifelong effort to seek the cause.I have repeatedly to test, but because of various reasons and failed to make his dream come true, but I not to deliberately, as long as there is a chance, I will always test it, until the ambition become true so far. Now my life has honed, than my hand for competition in the age I have do not have the advantage, but I more than they a sense of responsibility for work, patience and sincerity for the unit, a more mature and confident.The bank clerk this profession is sacred and great, he asked me to not only have a wealth of professional knowledge, but also a noble sentiment. Therefore, in the book, I will pay great attention to its comprehensive development, widely develop their own hobbies, and learn to have expertise, do haveprofessional expertise and, if I through the interview, become a member of many bank staff in the team, I will not stop work hard, work hard, I think I can be very good to win recognition of your post. Thank you!金融专业英语自我介绍篇10Hello,everyone!I 200 University graduates Social Sports session, performance excellence, sports and basic skills down. University branch secretary for four years as class groupsresponsible, enterprising, hard working, high moral character, serious and responsible work. Won a scholarship every year, Excellent student title, and received outstanding graduates, outstanding intern, outstanding League Cadres, Party members.In all respects strict demands on themselves, thinking motivated, study hard, work for, simple life. Four years of rigorous practice to make me a good university graduates. Strong self-learning ability, to overcome problems; with solid professional skills and strong theoretical basisCalm; has a strong ability to identify and deal with xx; have strong organizational skills and social adaptability.Certificates: National Basketball two players, referee; national volleyball two referees; National Computer level, Certificate III in English; the National Putonghua 2 B certificates; School Poetry Recitation Contest first prize.Thank you!。
金融英语 chapter 1 money
Course Structure
• Chapter 1 Money, the Functions of Money and the Financial System • Chapter 2 The Banking system • Chapter 3 Interest Rate and Interest Rate Policies • Chapter 4 Money Market
• 铸币税（Seigniorage） • 也称为“货币税”。发行货币的组织或 国家的政府可以不需任何补偿地用纸制 货币向自己的居民换取实际经济资源， 从中攫取发行货币所产生的特定收益。 这部分由货币发行主体垄断性地享受 “通货币面价值超出生产成本”的收益， 就被定义为“铸币税”。Professional源自TermsQuestion
• When you buy a pair of jeans or a CD, for example, you never wonder whether the merchant will accept the bills and coins in your wallet as payment. • But suppose money didn't exist. How would you pay for the things you want to buy?
• 45．fund obligation基金负担
• 基金负担或称基金总数是指当时发行在 外的基金的总量
Professional Terms
• 58．monetary ease银根松动 • 银根monetary situation 指金融市场上的 资金供应。因中国1935年法币改革以前 曾采用银本位制，市场交易一般都用白 银，所以习惯上称资金供应为银根。 • 银根有紧松之分，判断依据是资金供需 状况。如果市场上资金供不应求，称为 “银根紧俏”或“银根紧”；市场上资 金供过于求，称为“银根松疲”或“银 根松”
第一章_金融英语介绍
Q 3 : A firm has identified the following 6 potential projects. Each project requires an investment of $100 and will return (without risk) the following amounts.
Equity
ownership interest in a corporation in the form of common stock or preferred stock
Time value of money
PV
FV Return = (FV/PV) – 1
Q1 How much would you receive in one year, if you invest in an asset priced at $8000 today, with a rate of return of 5.25%? Q2 How much would you have to invest today to accumulate $20,000 in one year, if the current rate of return is 9.8%?
Corporate finance工商企 业的货币资财及其管理
Personal budget个人的货 币资财及其管理
中文“金融”与英文“Finance”虽然都有广义与狭义之分，但并非一 一对应。 (我国的金融定义即使最广义的仍比英文的范畴窄)
Finance
金融
宽口径
中口径 窄口径
广义：与物价有紧密联系的货币供 给,银行与非银行金融机构体系
Bond
A legal contract in which a government, company or institution( the borrower) issues an IOU certificate, which promises to pay holders a specific rate of interest for a fixed duration and then redeem the contract at face value on maturity.
金融英语-1-Basics
1.2 Business finance 公司财务
1.2.1 Capital 资本
Capital is the money used to set up (建立) or start a company. Companies can borrow (借入) this money, called a loan (借款), from banks. The loan must be paid back (偿还) with interest (利息). Capital can also come from issuing shares or equities (股票) -certificates representing units of ownership (所有权).
Outgoing 开支
Amounts of money that people have to spend regularly are outgoings, which include: Living expenses (日常开支 : money spent on 日常开支) 日常开支
everyday needs such as food, clothes and public transport. Bills (账单 requests for the payment of money 账单): 账单 owed for services such as electricity, gas and telephone connections. Rent (租金 money paid for the use of a house 租金): 租金 or flat. Mortgage (贷款 repayments of money 贷款): 贷款 borrowed to buy a house or flats. Health insurance (人身保险 , tax (税收 …… 人身保险) 税收): 人身保险 税收
金融英语chapter 1
• —Money is a stock: it is a certain amount at a given point in time.
Additional question
• What is difference between revenue and income?
— Fiat money has not only no particular value in use; it doesn’t even really have a value in exchange except that which is decreed that it would have.
Turnover of funds slow
Exchange for GBP1,250.00 Beijing,1 April,2003
At sight pay to the order of DEF Co.the sum
of Pounds one thousand two hundred and fifty only
To XYZ Bank,
For ABC Co., Beijing
London
(signature)
End of 18 century
Foreign exchange bank
Evolution of Money
• Paper currency (fiat money) ( intrinsically worthless)
Medium of exchange
• Money is therefore essential in an economy it is a lubricant that allows the economy to run more smoothly by lowering transaction costs, thereby encouraging specialization and the division of labor.
金融学英语自我介绍（通用3篇）
金融学英语自我介绍（通用3篇）金融学英语篇1You and the interviewer:Hello, I am from the Commercial Bank of class X graduates . bank first of all thank you for giving me such a chance to show myself. In my case resume are introduced in more detail in this, I want to talk about my understanding of the recruitment of your bank.In the school of finance the 4 years of the study life let me come in, 4 years, I have systematically studied the professional knowledge about finance, such as finance, commercial bank, the central bank theory and practice. I think with the growth of the national economy, the bank has not only held in the store, such as business, more is to bear a credit intermediary, the bank has gradually developed into a financial institution in the lives of ordinary people will not be desirable.To Bank Finance graduates employment is more of our choice. But our school graduates in this aspect also for us to tailor a system of employment system, such as paper money, ticket money hundred, five pen typing and other professional skills training and assessment. In addition some schools also arrange us to attend all kinds of social practice, especially in the practice of ICBC, the bank makes me familiar with the work environment, understand the bank lobby of the basic work flow and business operations, the bank lobby is an indispensable position, it is the facade of the bank, is the bank business guide, but also a bridge bank to communicate with people in this. Not only post I only reflect the mastery of professional knowledge, it is important to cultivate my patience, consciousness, ability, correct attitude ofmy work, so I think highly of the bank recruitment opportunities. If I can succeed, I will strive to become the enterprise recognition, excellent staff and customer satisfaction.Thank you!金融学英语自我介绍篇2I & & School financial professional students, my name is end with the & &, my college life, I also constantly improve their ability to learn more knowledge, to see the growth of their own step by step, I learn actively in the University, and students get along very well, have good interpersonal relationship. Focus on team spirit, cultivate their practice ability and practical ability.Through four years of university professional courses of study, master and skilled use of international finance, money and banking, the central bank, insurance, property insurance, life insurance, the western financial theory, financial market, financial marketing studies, bank accounting, commercial bank, western economics and other professional knowledge and skills, and master computer the primary, intermediate knowledge, proficient in Windows operating system, familiar with Internet, can use WPS, Microsoft Word and other document editing and operation, and can carry out the image design using Photoshop software, Master M Icrosoft Visual FoxPro database.Learning seriously hard, eager to progress, to learn every course, and through the national computer grade two examination. In real life, I put myself in the social reality, learning social knowledge, participated in many social practice, enrich their knowledge of society.This is me, with a solid professional foundation, high quality, small communications major resilience, frank and open, the Department of finance students humility music for. Of course, infront of knowledgeable, experienced senior, I was ignorant of the later, but in giving you the blueprint for life and career space. After Qin facing tomorrow, I am not the common run of men. I will be able to use their own hands to create a bright tomorrow, I hope your company can give me a chance.金融学英语自我介绍篇3The examiner, good morning!My name is , 15 years old this year. From , * * graduated from school in finance. After graduating from the industrial and Commercial Bank of China in 1 years, and work in commercial banks in a year's time. People go to high, water flows downwards. The top two job because there is no potential for development is too big, I quit the job, in order to seek better, more future work.Today, I want to pass the exam to go on the bank job desire is so urgent! My family has three sisters, two sisters at work, in order to take care of old age parents, I have been staying with them. I have opened the shop, first planning crafts, and planning. But regardless of clothing how to do business with a bank clerk, when the end is my spirit of relaxation and is willing to spend a lifelong effort to seek the cause.I have repeatedly to test, but because of various reasons and failed to make his dream come true, but I not to deliberately, as long as there is a chance, I will always test it, until the ambition become true so far. Now my life has honed, than my hand for competition in the age I have do not have the advantage, but I more than they a sense of responsibility for work, patience and sincerity for the unit, a more mature and confident.The bank clerk this profession is sacred and great, he asked me to not only have a wealth of professional knowledge, but also a noble sentiment. Therefore, in the book, I will pay greatattention to its comprehensive development, widely develop their own hobbies, and learn to have expertise, do have professional expertise and, if I through the interview, become a member of many bank staff in the team, I will not stop work hard, work hard, I think I can be very good to win recognition of your post. Thank you!。
第一章 金融英语介绍
金融英语Good morning, everyone. Welcome to financial English Class. I’m so glad to see all of you again. We are old friends, right. I am so glad that I can have the opportunity to help you with financial English. This course, in my view, is a little bit difficult. To learn it well, you will need not only good English language skills, but also some background knowledge. I will try my best to help you with that and I need you to do the same. So here some suggestions for you:1. Preview the text before you come to class. Focus on the new words, terms, and relevant background knowledge. Consult dictionary and other reference books when necessary.2.Take notes in class.3. Review what you have learned after class. And at the beginning of each week’s class, I will check if you have done the reviewing. That includes the vocabulary, questions about the text and so on. Y our performance will be recorded and will be one part of your final marks.一、教学目的1、掌握专业词汇的英语表达，做到英汉互译。
第一章金融英语介绍3
The main techniques and sectors
Lender and Borrower A specific example of corporate finance The categories of finance Finance is important
Personal finance
Definition of Money
• Economists define money as anything that is generally accepted in payment for goods or services or in the repayment of debts.
货币是在支付商品和服务或在偿还债务 时被普遍接受的任何东西。
a. budget b. reserve
c. loan
15. Money given to developing countries by richer ones is known as
a. aid
b. debt
c. loan
Reading: The history of money
• Precious metal • Holey dollar • Token • Plastic note • Plastic/credit card • Medium of exchange • Unit of account • Store of value
• Personal finance is the application of the finance to the monetary decisions of an individual or family unit.
• Personal financial decisions may involve paying for education, financing durable goods such as real estate and cars.
关于金融的英文介绍作文
关于金融的英文介绍作文英文回答：Finance, a fundamental pillar of modern society, encompasses a vast array of activities and roles that facilitate the exchange, investment, and management of funds. It plays a pivotal role in driving economic growth, allocating resources, and mitigating risks for individuals, businesses, and governments alike.Finance is a multifaceted discipline that encompasses various sub-fields, each with its unique focus. These sub-fields include:Banking: The provision of financial services to individuals, businesses, and governments, including deposits, loans, and other products.Investment: The management of funds through various instruments such as stocks, bonds, and mutual funds, withthe goal of generating returns.Insurance: The provision of protection againstfinancial losses resulting from unexpected events, such as illness or accidents.Public Finance: The management of financial resources by governments, including taxation, spending, and borrowing.Corporate Finance: The management of funds within businesses, including capital budgeting, dividend policy, and mergers and acquisitions.Finance professionals play a crucial role in the smooth functioning of the financial system. They advise clients on financial matters, analyze financial data, and make investment decisions. The finance industry offers a wide range of opportunities for individuals with analytical, quantitative, and communications skills.中文回答：什么是金融？金融是现代社会的一根基石，它包含一系列有助于资金交换、投资和管理的活动和角色。
金融英语教程 第一章
Be tempered with 使调和，使缓和
Risk has clearly not disappeared financial market. Global imbalances, sustained high oil prices and soaring levels of household indebtedness - each alone, or in combination- could impair future global growth. However, they are unlikely to materialize any time soon.
before class 课前预习 Preparation for the class
preview
Reading the text Finding out the new words Checking out the meanings of new words Trying to understand the main idea of the text Examining the Chinese concept of the professional financial term
Ordinary time study performance
2 If you don’t have 24 points (40%×60 points) for this part , you will not allowed to take the final exam.
What should you write on the cover of the exercise book as required:
金融英语入门
What Is Finance什么是金融Finance means the circulation of funds. It includes all economic operations directly related to the currency, the credit, and the circulation of money, for example, the issuance and withdrawal of currency, collecting deposits and granting loans, buying and selling of gold and silver, foreign exchange, and negotiable securities. Besides, the businesses of insurance, trust and investment, payments of the balance of the domestic and international trade are also within the scope of finance.金融就是资金融通，它包括与货币、信用、货币流通，例如，货币的发行与回笼、吸收存款与发放贷款、金银、外汇及有价证券的买卖有直接关系的一切经济活动。
此外，保险业、信托投资、国内及国际贸易的支付结算等也属金融的范畴。
The most important financial institutions are the banks, the stock exchange, the trust and investment companies and the insurance corporations.银行、股票交易所、信托投资公司、保险公司等是最重要的金融机构。
New wordsz单词finance n.财政；金融,融资circulation n.流通；货币发行fund n.基金；资金economic adj.经济(上)的, 经济学的directly adv.直接地, 立即relate vt.使联系, 发生关系currency n.通货；金融；货币credit n.信用；信贷issuance n.发行；颁布withdrawal n.收回；提款deposit n.存款；存储grant vt.同意，准予；转让loan n.借出物；贷款exchange n.交换；交易所negotiable adj.（票据，证券等）可转让的；可流通的security n.(pl)（复数）证券；债券business n.业务insurance n.保险；保险额trust n.信托；委托investment n.投资payment n.支付；付款balance n.差额；结余domestic adj.国内产的；本国的scope n.范围；领域financial adj.财务的；金融的institution n.机构stock n.股票corporation n.公司；股份有限公司Phrases and expressions短语与词组directly related to和...直接有关negotiable securities可转让或流通的证券within the scope of 在...范围之内stock exchange证券交易所trust and investment company信托投资公司insurance corporation保险公司Notes1.It includes all economic operations directly related to thecurrency, the credit, and the circulation of money...此句中的(directly) related to…为后置定语,修饰前面的all economic operations。
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8. Money placed in banks and other savings institutions constitutes a. capital c finance b. deposits 9. Money paid by the government or a company to a retired person is a a. pension b. income c. loan
Reading: The history of money
• • • • • • • • Precious metal Holey dollar Token Plastic note Plastic/credit card Medium of exchange Unit of account Store of value
• 美国石油大亨J. Paul Getty曾经说 过一句话：如果你 的钱是可以数得清 楚的，那么你就不 是一个真正的富人。
What is Money ?
Currency 货币
• Currency （包括硬币和纸币） is one type of money. When most people talk about money, they are talking about currency.
Budget
• Finance also deals with how money is spent and budgeted. (P5) • Budget is an estimation of the revenue and expenses over a specified future period of time.
Definition of Money
• Economists define money as anything that is generally accepted in payment for goods or services or in the repayment of debts.
货币是在支付商品和服务或在偿还债务 时被普遍接受的任何东西。
10. The money that will ultimately be used to pay pensions is kept in a a. budget b. deposit c. fund 11. The money needed to start a company is called b. capital a. aid c. debt
Exercise: Different Types of Money
区分以下词语的含义
• What are the exact meanings of these words in English? • Cash, Currency, Salary, Wages, Income, Loan, Pension, Fund, Capital, Installments, Debt, Deposit, Aid.
14. Estimated expenditure and income is written in a a. budget b. reserve c. loan 15. Money given to developing countries by richer ones is known as a. aid b. debt c. loan
• Balance 帐户存款的余额 e.g. Could you tell me what my balance is please? 你能告诉我的帐户余额吗？
What’s the difference between money and wealth?
• Wealth includes not only money but also other assets such as bonds, common stock, art, land, furniture, cars, and houses.
• It means that Joe not only has a lot of currency and a high balance in his checking account but also has stocks, bonds, fourபைடு நூலகம்cars, three houses, and so on.
贵金属 有洞的钱币 辅币 塑料钞票 信用卡 交换媒介 计算单位 价值储存手段
What is Finance ?
Finance is the science of funds management. The field of finance deals with the concepts of time, money and risk and how they are interrelated.
1、FECT综合考试： 考试科目：现代金融业务； 2、FECT高级考试： （1）FECT高级考试必考科目－现代金融理论 与实务； （2）FECT高级考试选考科目－银行业务与管 理、保险与证券业务，两科任选一科。
网络资源online resources
1、 金融时报 2、经济学人期刊 3、 华尔街日报 4、商业周刊 5、 财富期刊 6、 中华人民共和国财政部
financial intermediary
• A bank (financial intermediary) accepts deposits from lenders, on which it pays the interest. The bank then lends these deposits to borrowers.
12. The money paid to lawyers, architects, private schools, etc. is called a. fees b. installments c. wages 13. Regular part payments of debts are called c. installments a. deposits b. loans
• American oil billionaire J. Paul Getty has a very famous saying, that is “ If you can actually count your money, then you are not really a rich man.”
7、 中国人民银行 8、中华人民共和国国际外汇管 理局 9、 中国证券监督管理委员会 10、 中国保险监督管理委员会
11、 中国银行监督管理委员会 12、 美国联邦储备委员会 13、 美国财政部 14、 世界银行 15、国际货币基金组织
Lender and borrower
• Finance includes saving money and lending money. (P2) • An entity whose income exceeds its expenditure can lend or invest the excess income.
6. The money earned for a week's manual work is called a. income b. salary c. wages 7. The money paid for a month's (professional) work is a a. loan b. salary c. wages
Income 收入
e.g. Susan has a good job and earns a lot of money. • 收入是某一单位时间内收益的流量， 而货 币是一个存量， 即某一时间点上一个特定 的金额。
• If someone tells you that he has an income of $1 000, you can not tell whether he earned a lot or a little without knowing whether this $1 000 is earned per year, per month, or even per day. But if someone tells you that she has $1 000 in her pocket, you know exactly how much this is.
check 支票
• Because checks are also accepted as payment for purchases, checking account deposits are considered money as well.
wealth 财富
• The word money is frequently used synonymously with wealth. e.g. Joe is rich——he has a lot of money.
金融英语证书（FECT）考试
• 金融英语证书考试制度是1994年经中国人 民银行和原国家教委联合发文批准建立的 我国第一个国家级行业性外语证书考试制 度。自2009年开始，金融英语证书考试 （FECT）共设两级，分别为FECT综合考试 和FECT高级考试。金融英语证书考试每年 进行一次。2011年度金融英语证书考试时 间为2011年6月11日及12日。
Exercise
4. Borrowed money that has to be paid back constitutes a a. debt b. fund c. income 5. All the money received by a person or a company is known as b. income a. cash c. wages