(精品)金融英语教程第一章
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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.
金融英语unit1翻译
金融业的主要技术和领域一个收入超过其支出的实体，可以将他的超额收益拿去出借或者是投资；另一方面，一个收入少于其支出的实体，它可以通过借款或出售股权债权，降低其费用，或增加其收入筹集资金。
贷款人可以（找到一个借款人）通过金融中介机构，如银行，或在债券市场购买票据或债券找到一个借款人。
贷款人收到利息，借款人支付比贷款人更高的利率，而金融中介则是赚取其中的差价。
银行把许多借款人与贷款人的交易聚集起来。
银行接受来自贷款人的存款，并支付其利息；银行再将这些存款借给借款人。
银行允许借款人和贷款人，采用不同的规模，以协调他们的活动。
银行需要补偿资金这样的空间流动。
企业融资的一个具体例子是将股票出售给机构投资者，如投资银行，投资银行又转而卖给公众。
而谁拥有股票，谁就拥有那家公司的一部分所有权。
如果你买一股XYZ公司的股票，他们有100股流通股（按投资者持有），那么你就拥有公司1/100 的所有权。
当然，作为回报，投资者要向该公司支付现金，该公司用钱来扩展其业务，这个过程就叫“股权融资”。
股权融资与出售债券（或任何其他债务融资）的混合被称为该公司的资本结构。
财政用于个人（个人理财）、政府（财政）、企业（企业融资）、以及由各种组织，包括学校和非营利性组织。
在一般情况下，每一个上述的活动的目标，通过考虑到它们的机构设置，使用适当的金融工具得以实现。
财务是企业管理中最重要的方面之一。
如果没有适当的财务规划，新的企业是不可能成功的。
无论是对个人和组织，理财（流动资产）都是必要的，这样才能确保一个安全的未来。
个人理财个人理财是以个人或家庭为单位的货币决策原则的金融应用。
它解决了在个人或家庭获得预算，储蓄的途径，和随着时间的推移花费金钱资源的方式，同时考虑到各种金融风险和未来的生活事件。
个人理财的构成可能包括支票和储蓄账户，信用卡和消费贷款，投资于股票市场，退休计划，社会保障福利，保险政策，所得税管理。
个人理财的问题都是围绕着：●在哪个时点，个人（或家庭）所需要的是多少钱？●这些钱将从哪里而来，怎么获得的？●人们要怎么保护自己免受突发事件，以及保护那些在外部经济？●家庭资产如何进行最佳跨代（遗赠和继承）转让？●税收政策（税收补贴或罚款）是怎样影响个人财务决策？●信贷是怎样影响个人的财务状况？●在经济不稳定的环境，怎能设计一个安全的未来理财计划？个人财务决策在涉及教育，融资耐用品（如房地产和汽车），购买保险（例如健康和财产保险），投资及退休储蓄时，可能需要支付资金。
Financial English 金融英语教程chapter 1 money-张铁军教材版本
1. Simple Interest I=PRn S=P+I=P(I+Rn)
2. Compound Interest S=P(I+R)n I=S-P
Page 24
1.4.2 Nominal and Real Interest Rates
1. The definition of nominal interest. P7, 1.4.2, L1-2 2. The definition of real interest. P7, 1.4.2, L3-4
Page 2
Benefits
Financial English course will provide you with:
- Greater confidence when discussing financial documents and data
- Increased verbal fluency for face-to-face negotiations
Assignment
20%
Exam
50%
Total
100%
Page 4
Part 1 Money
1. Definition of Money 2. Types of Money 3. Functions of Money 5. Interest and Interest Rate 6. Money Supply 7. China’s Monetary System
Page 5
Chapter 1 Money
Professional Terms
1．monetary area货币区 货币区是货币一体化的较高层次，它是指成员国之间的货
币建立紧密联系的地理区域。 货币区的初级阶段是固定汇率制度，包括货币局制度和美
2. Compound Interest S=P(I+R)n I=S-P
Page 24
1.4.2 Nominal and Real Interest Rates
1. The definition of nominal interest. P7, 1.4.2, L1-2 2. The definition of real interest. P7, 1.4.2, L3-4
Page 2
Benefits
Financial English course will provide you with:
- Greater confidence when discussing financial documents and data
- Increased verbal fluency for face-to-face negotiations
Assignment
20%
Exam
50%
Total
100%
Page 4
Part 1 Money
1. Definition of Money 2. Types of Money 3. Functions of Money 5. Interest and Interest Rate 6. Money Supply 7. China’s Monetary System
Page 5
Chapter 1 Money
Professional Terms
1．monetary area货币区 货币区是货币一体化的较高层次，它是指成员国之间的货
币建立紧密联系的地理区域。 货币区的初级阶段是固定汇率制度，包括货币局制度和美
最新金融英语课件(unit 1)
货折扣 10. clearing 清算 bank clearing 银行之间的划拨结算 exchange clearing
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
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
精品ppt
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.
精品ppt
This is the end of Chapter 1
Thank you for your attention
精品ppt
精品ppt
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）
精品ppt
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）
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.
精品ppt
This is the end of Chapter 1
Thank you for your attention
精品ppt
精品ppt
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）
精品ppt
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”
金融英语第一单元试讲
UNIT 1
金融英语教程 COURSE OF FINANCIAL ENGLISH
UNIT 1 Financial System
Li Shengnan 2016.7.26
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UNIT 1
Hale Waihona Puke Ⅰ. Lead in Ⅱ. New Words and Expressions Ⅲ. Class Practice
Ⅳ. Consolidation
V. Homework
Finance in Our Life
UNIT 1
UNIT 1
Finance in Our Life
credit card 信用卡 credit report 信用报告 to mortgage a house 按揭购 房 stock market 股市 gold 黄金 equity investment 股权投资 fund 基金 insurance保险
community bank 社区银行 micro institutions financing 小微金融 alipay 支付宝 credit loans 信用贷款 mobile finance 移动金融 internet finance互联网金融 wealth management 财富管 理
BACK
NEXT
UNIT 1
Ⅳ. Consolidation
1. Pay attention to the meaning of financial words and terms. 2. Don’t confuse the correspondence between the two pairs of terms: surplus unit VS deficit unit; borrower VS investor
金融英语教程 COURSE OF FINANCIAL ENGLISH
UNIT 1 Financial System
Li Shengnan 2016.7.26
NEXT
UNIT 1
Hale Waihona Puke Ⅰ. Lead in Ⅱ. New Words and Expressions Ⅲ. Class Practice
Ⅳ. Consolidation
V. Homework
Finance in Our Life
UNIT 1
UNIT 1
Finance in Our Life
credit card 信用卡 credit report 信用报告 to mortgage a house 按揭购 房 stock market 股市 gold 黄金 equity investment 股权投资 fund 基金 insurance保险
community bank 社区银行 micro institutions financing 小微金融 alipay 支付宝 credit loans 信用贷款 mobile finance 移动金融 internet finance互联网金融 wealth management 财富管 理
BACK
NEXT
UNIT 1
Ⅳ. Consolidation
1. Pay attention to the meaning of financial words and terms. 2. Don’t confuse the correspondence between the two pairs of terms: surplus unit VS deficit unit; borrower VS investor
金融英语第一章答案
Chapter1Ⅰ.1. Money and risk and how they are interrelated.2. Recently a number of websites have been created to give consumers basic price comparisons for services.3. Allows a company to determine how much credit it can extend to customers before it begins to have liquidity problems.4. refer to money used by entrepreneurs and businesses to buy what they need to make their products or provide their services or to that sector of the economy based on its operation, i.e., retail, corporate, investment banking.5. A new discipline that uses mathematical and statistical methodology to understand behavioral biases in conjunction with valuation.6. An area of finance dealing with the financial decisions corporations make and the tools and analysis used to make these decisions.7. A main branch of applied mathematics concerned with the financial markets.8. The application of the principles of finance to the monetary decisions of an individual or family unit.Ⅱ.1.maximize risks2. mathematics statistics3. money offering4. determine liquidity5. aggregates accepts6. economics behavioralⅢ.translate the following sentences into English.1.The commercial management is the important aspects of the business management，Do not have the appropriate financial plan, the enterprise is not likely to be successful.2. Financial institutions is the basic aim of the public welcome by the financial assets into they can accept financial assets.3. Enterprise management is risky, so financial manager must evaluate the risks and management.4. Investment decision first refers to the investment opportunity, often referring to capital investment projects.5. Cash budget is often used to assess whether is the enterprise have enough cash to maintain the daily operation of the enterprise operation and if there is too much cash surplus.6. According to the view of finance, capital is the enterprise to the purchase of goods to produce other goods or provide services of currencyⅣ. Translate the following sentences into chinese.1.现金预算非常重要,特别是为小型企业,因为它允许公司确定多少信用可以向客户开始之前就有流动性问题。
金融学第二版(英文版)Chapter 1
Typical organizational chart
CFO (chief financial officer)
Def.: Senior vice president with responsibility for all the financial functions in the company Reports directly to the chief executive officer (CEO) 3 departments report to him:
savings (asset allocation) – Financing decisions: income or borrowing (liability) – Risk-management decisions: how to reduce financial uncertainties
Household’s wealth
Financial decisions of companies
Def.: Companies are entities that have the primary function to produce goods and services In order to produce companies use capital (physical and financial) Companies have an access to the financial capital through the financial markets Come in different shapes and sizes The branch of finance dealing with them is called corporate finance
金融英语Lesson1
2. We say nought
• before the decimal point nought point two oh one 0.201
3. We say zero
• for the number • for temperature 0 the number zero -5~C five degrees below zero 5-0 Spain won five nil. The score is fifteen love.
Now say the following:
1. It's somewhere between 3.488 and 3.491. 2. Look, it's less than 0.0001! It's hardly worth worrying about. 3. I changed all those yen into sterling and I only got ￡13.60!
4. We say nil
• in football scores
5. We say love
• in tennis 15- 0
Now say the following:
1. The exact figure is 0.002. Nought point oh oh two. 2. Can you get back to me on 010 – 5175 – 0123 ? I'll be here all morning. Oh one oh five one seven five oh one two three 3. Can you put that on my bill? I'm in room 804. Eight oh four 4. The temperature in north-east China is very low in winter. Usually, it's 20 degrees below 0! 20 degrees below zero. 5. Basically, tennis scoring proceeds from 0 to 15 to 30 to 40 to game. Love(0), fifteen(15), thirty(30), forty(40), game(胜局). 6. The result of the game was 3 – 0 . Three-nil.
新编金融英语教程 Chapter1 Money
1.3 Language Notes
III. Sentences
1. It occurred because gold and silver merchants or banks would issue receipts to their depositors – redeemable for the commodity money deposited. 2. Economists make a distinction between money in the form of currency, demand deposits, and other items that are used to make purchases and wealth, the total collection of property to store value. 3. They consist of demand deposits, which are non-interest-earning checking accounts issued by banks, and other checkable deposits, which are interest-earning checking accounts issued by some depository institutions. 4. Even though these other assets are not used to make transactions, they are all highly liquid, so they are often referred to as near monies. 5.In other words, in a barter system, the exchange can take place only if there is a double coincidence of wants between two transacting parties.
金融英语chapter 1
• —Income is a flow of earnings per unit of time;
• —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.
• —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.
金融英语课件(unit 1)
Financial market participants
Investors
Individuals or institutions that provide capital to
financial markets in the form of equity or debt investments.
Opening an Account
Placing Orders
Establishing a relationship with a financial institution by opening an account and depositing funds.
Instructing a broker or financial advisor to buy or sell financial products on your behalf.
Other Financial Institutions
In addition to commercial and investment banks, there are also insurance companies, pension funds, mutual funds, and other institutions that play important roles in the financial system.
Bonds
Debt securities issued by governments or corporations, promising to pay the holder a fixed amount of interest over a specified period, and to repay the principal at maturity.
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:
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Yet, the global financial system has done well.
Clearly the risk of financial crisis is always
present, and optimism must be tempered with
realism.
Be tempered with 使调和，使缓和
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:
➢ Title of this course ➢ Teacher’s name ➢ Your mobile phone number ➢ Your name, major, student ID
Assignment(Homework):
➢ “Discussion Questions” session of each unit ➢ For Example:
unit 1 : P3 unit 2 : P14
Obey an maintain the discipline automatically Take notes Finish you homework independently Attend the class in time, and it’s not allowed to leave
/
Finance is the science of funds management. The general areas of finance are business finance, personal finance, and public finance.
Special things you should know :
➢ Attendance checking: checking in on time please. ➢ Class Discipline: No talking, No eating, No sleeping. ➢ Special issues: you can go out of the classroom only after you are permitted during the class time. ➢ Rising your hand for any questions please. ➢ You must finish the exercises independently.
about continued international financial stability. First, capital
inflows into the united states continue to finance its current account, and to support the us dollar. They are unlikely to
金融基本上是通过个人和业务机构存放在银行的钱来运作。然后，银行 借出的钱给其他个人或公司用于消费或投资，及收有关的贷款利息。
We are living in a troubled world now. Global imbalances have widened, oil prices have risen strongly, hurricanes have struck and turmoil has developed. Political uncertainty has increased.
Crossword puzzle 填字游戏
Am I smart?
1. Anyone (tina or students) would design the puzzle in the format of PPT
2. Share and enjoy in the class
3. Key: the words are professional finance words
/investmentbooks/Default.aspx
/
/finance
/topic/finance.html
然而，全球金融体系已经做得很好。显然，金融危机
的风险始终存在，而且乐观主义必须与现实主义调和。
Risk has clearly not disappeared financial market. Global
imbalances, sustained high oil prices and soaring levels of
change direction abruptly since no other country or region enjoys the combination of robust growth and deep financial
markets that America offers.
为什么我们应该看好国际金融稳定，有很多原因。首先，进入美国的 资本继续资助其经常账户，并支持美元。他们不太可能突然改变方向， 因为没有其他国家或地区享有美国所能提供强劲增长和深度金融市场。
early Encourage good study habits Read and write more often
preview before class 课前预习
Preparation for the class
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
我们生活在一个动荡的世界了。全球失衡扩大，石油价格已经上涨强烈， 飓风的袭击和动荡的发展。政治的不确定性有所增加。
imbalance 失衡 ，不平衡 turmoil ['tə:mɔil] n. 混乱，骚动 risen ['rizən], rise[raiz]的过去分词 vi. 上升；起立；高耸；增强 struck [strʌk] strike [straik]的过去式和过去分词 v. 罢工，打，打击
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2. Mutual: one to one dictation, work in pairs. Students help each other to dictate and examine the words
3. Group : tina gives dictation to the whole class
household indebtedness - each alone, or in combination- could
impair future global growth. However, they are unlikely to
materialize any time soon.
风险显然没有从金融市场消失。全球失衡、持续的高油价和家庭债务水 平飙升 – 单个因素或这些因素的组合，都可能会削弱未来全球经济增长。 不过，他们不太可能在短期内实现。
金融包括储蓄和贷款。金融领域涉及概念包括时间、金钱和风险以及它 们是如何相互关联。它还涉及钱是怎么花和预算的。
Finance works most basically through individuals and business organizations depositing money in a bank. The bank then lends the money out to other individuals or corporations for consumption or investment, and charges interest on the loans.
Examination:
➢ Ordinary time study performance(40%)
+ final exam(60%). = 100%
Ordinary time study performance
1 To have 36 points (40 %×90points) 1) you should satisfy the conditions below: ➢ full attendance checking ➢ Answer the questions actively ➢ Finish all homework correctly and clearly ➢ obey the discipline Otherwise cut down 2 point for each of the unsatisfied behavior until no score left.
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