金融英语单词

金融英语单词：

Ch1 Money and Monetary System

specialization专业化bearer(of the note)持票人medium of exchange交易媒介division of labor劳动力分工monetary system货币制度payment system支付系统transaction交易coincide with吻合barter以物换物

denominator度量单位deteriorate变质，恶化demand deposit活期存款

thrift institutions微型金融机构balance余额unit of account价值尺度

full-bodied money足值货币scarcity稀缺性redeem赎回

Treasury财政部fiat money法令货币income tax所得税bimetallism复本位制BOP（balance of payment）国际收支

endorse背书debit借记credit贷记

industrialized country工业化国家gold standard金本位disequilibrium失衡

par value平价quota份额tranche国际货币基金组织划分的份额store of value价值贮存lubricant润滑剂necessity必需品

international reserve asset国际储备资产exchange rate汇率

fluctuation波动deficit赤字peg钉住

Ch2 Credit，Interest and Interest Rate

luxury奢侈品commercial credit商业信用consumer credit消费信用remittance汇款collection托收credit信用，信贷

interest利息installment分期mortgage抵押

impawn典当fiscal财政的principle本金

be advanced to预付给distortion扭曲cash flow现金流

lease租赁initial balance初始余额compound interest复利

floating rate浮动利率variable/adjustable rate可变利率asymmetry不对称

Treasury bond国库券depreciation折旧，贬值function函数

vertical垂直的expenditure支出premium溢价

real interest rate实际利率loanable fund可贷资金default违约

substitute替代arbitrage套利portfolio investment组合投资benchmark基准law of supply and demand供需法则manipulation操纵retained earning留存收益liquidity流动性

security证券maturity到期日term structure期限结构expectation期望hypothesis假设，假说preference偏好

Instrument工具pension fund养老金equation方程式

Ch3 Foreign Exchange and Exchange Rate

international settlement国际结算assumption假定disbursement支付voucher凭证negotiable可转让的

quotation报价term/price currency计价货币unit/base currency基准货币spot现货买卖deflate紧缩intervene干预

speculator投机者position头寸conflict of interest利益冲突arbitrary value任意值linked exchange rate system联系汇率制multi-national corporation跨国公司institutional investor机构投资者weighted average加权平均pegged floating钉住浮动stabilize稳定

purchasing power parity（ppp）购买力平价interest-bearing有息的covered interest rate parity套补利率平价be equivalent to等价于

balance of payments model国际收支模型forward exchange rate远期汇率

retail broker零售经纪商managed floating管理浮动spread差额

market maker做市商current account经常账户derivative衍生品

economic variable经济变量

Ch4 Financial Institution

financial institution金融机构transaction cost交易成本financial intermediary金融中介expertise专门技术economies of scale规模经济checking deposits活期存款savings deposits储蓄存款credit union信用社passbook savings account存折储蓄账户durable持久的overhead expense营业费用policyholder投保人contractual savings institution契约型储蓄机构preservation保值，保管

stock exchange交易所adverse selection逆向选择moral hazard道德风险

credit risk信用风险earning收益revenue（国家总体）收入dividend股利profit利润claim索取权

diversification多样化depository institution储蓄机构commercial bank商业银行mortgage loan抵押贷款beneficiary受益人current income当期收入commercial paper商业票据finance company金融公司interest-bearing deposit带息存款open-end fund开放式基金financial panic金融恐慌failure倒闭

lender of last resort最后贷款人Asian Development Bank亚洲开发银行

Ch6 Central Bank and Monetary Policy

liability负债deposit insurance company存款保险公司stability稳定性excessive risk过度风险issuing bank发行银行circulation流通decentralize使分散，使分权moderate适度的bank holding company银行控股公司money multiplier货币乘数anti-money laundering反洗钱negative impact负面影响Federal Reserve System联邦储备体系Board of Governors联邦储备委员会incumbent在职者audit审计consolidate联合，巩固inter-bank lending market银行间贷款市场open-market operation公开市场操作unemployment失业reserve requirement法定准备金discount rate折现率withdrawal提取intermediate target中介目标recognition lag认知时滞loose monetary policy宽松货币政策tight monetary policy紧缩货币政策

Ch7 Balance of payments and International Capital Flows

elasticity approach弹性论statistical statement统计报表patent专利

copyright版权inheritance tax遗产税omission遗漏acquisition and disposal of non-produced，non-financial assets非生产、非金融资产的收买放弃economic recession经济衰退money stock货币存量financial innovation金融创新capital flight资本外逃spillover溢出，外流人口capital account资本账户financial account金融账户intangible asset无形资产trademark商标

J-curve effect J曲线效应consumption消费output支出

equation等式，方程式external外部的allocation分配