第一章 金融英语介绍

financial intermediary
• A bank (financial intermediary) accepts deposits from lenders, on which it pays the interest. The bank then lends these deposits to borrowers.
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
Financial English
任课教师：肖晶 湖南商学院财政金融学院 邮箱：dannudt@163.com
Suggestion
• Preview the text before you come to class. • Take notes in class. • Review what you have learned after class.
• 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.
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.
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。
• 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.”
Βιβλιοθήκη Baidu
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.
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
教学目的
• 掌握专业词汇的英语表达，做到英汉互译。 • 能看懂一般难度的经济、金融类英语文章。 • 在了解金融背景的基础上，能就熟悉的话 题进行笔头或口头翻译。
教材与参考书目
教材： • 《金融英语》，复旦大学出版社，刘文国 主编。
参考书目： • 《金融英语（基础类）》，清华大学出版 社，金融英语教材编写委员会编写。 • 《现代金融业务》，中国金融出版社，金 融专业英语证书考试委员会编。
• 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.
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
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.
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.
7、www.pbc.gov.cn 中国人民银行 8、www.safe.gov.cn中华人民共和国国际外汇管 理局 9、www.csrc.gov.cn 中国证券监督管理委员会 10、www.circ.gov.cn 中国保险监督管理委员会
11、www.cbrc.gov.cn 中国银行监督管理委员会 12、www.federalreserve.gov 美国联邦储备委员会 13、www.ustreas.gov 美国财政部 14、www.worldbank.org 世界银行 15、www.imf.org国际货币基金组织
Reading: The history of money
• • • • • • • • Precious metal Holey dollar Token Plastic note Plastic/credit card Medium of exchange Unit of account Store of value
• It means that Joe not only has a lot of currency and a high balance in his checking account but also has stocks, bonds, four cars, three houses, and so on.
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
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、www.ft.com 金融时报 2、www.economist.com经济学人期刊 3、www.wsj.com 华尔街日报 4、www.businessweek.com商业周刊 5、www.fortune.com 财富期刊 6、www.mof.gov.cn 中华人民共和国财政部
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
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.
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。
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.
Exercise
1. Money in notes and coins is called b. capital c. reserves a. cash 2. The dollar, the mark and the yen are c. salary a. currencies b. funds 3. Money borrowed from a bank is a a. deposit b. income c. loan
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