金融英语术语

1.Stock markets：issuance of shares or common stock.

2.Bond markets: issuance of bonds.

modity markets: trading of commodities.

4.Money markets: short term debt financing and investment.

5.Derivatives markets: instruments for the management of financial risk.

6.Futures markets: standardized forward contracts

7.Insurance markets: redistribution of various risks.

8.Derivative products are financial products which are used to control risk or

paradoxically exploit risk. It is also called financial economics.

9.The international capital market trades capital market instruments with an

original maturity greater than one year.

10.The foreign exchange market is the one where foreign currencies are bought

and sold in the course of trading goods, services, and financial claims among countries.

11.★Money: Economists define money (also referred to as the money supply) as anything that

is generally accepted in payment for goods or services or in the repayment of debts.

12.Currency: currency, consisting of dollar bills and coins, clearly fits money’s definition and is

one type of the money.

13.★Transaction cost：The time spent trying to exchange goods and services is called a

transaction cost

14.★Liquidity：Liquidity is a measure of the ease with which an asset can be turned into a

means of payment, namely money.

15.★Inflation：Inflation is a sustained rise in the general price level—that is, the price of

everything goes up more or less at the same time.

16.M1: currency and various deposit accounts on which people can write checks.

17.M2：M2 equals all of M1 plus assets that cannot be used directly as a means of payment and

are difficult to turn into currency quickly.

18.M3：M3 adds to M2 a number of other assets that are important to large institutions but not to

individuals.

19.Demand deposits at commercial banks, which are standard checking accounts that pay no

interest

20.★Depository institutions are financial institutions that accept deposits from savers and

make loans to borrowers; Normally, we use the term “banks” as an alternative

21.★Bank: A bank is a financial institution where you can deposit your money.

22.A commercial bank is an institution that accepts deposits and uses the proceeds to make

consumer, commercial, and mortgage loans.

23.A holding company is a corporation that owns a group of other firms.

munity Banks: Small banks—those with assets of less than $1 billion—that concentrate

on serving consumers and small businesses.

25.Regional and Super-Regional Banks larger than community banks and much less local.

Besides consumer and residential loans, these banks also make commercial and industrial loans.

26.Money Center Banks do not rely primarily on deposit financing. These banks rely instead

on borrowing for their funding