unit 1 Financial system金融英语第一课课件
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金融 Unit (1)
1.Where does the conversation take place? 2.Who are in the conversation? 3.What does the customer come to the bank for?
DETAILED UNDERSTANDING
Listen to the tape again and answer the questions below.
LANGUAGE LEARNING
VOCABULARY 1.close /'kləuz/ v. 结清 close an account 结清账户 2. leave for 出发 (去……) 3. hope /həup/ v. 希望 4. enjoy /in'dʒɔi/ v. 享受 5. stay /stei/ n. 停留
DETAILED UNDERSTANDING
Read the dialogue aloud after the tape, and then read aloud the dialogue with a partner. Pay attention to the pronunciation and intonation.
2. leave for 出发(去……), 表示离开一个地方去另一个 地方
e.g. He left for Shanghai yesterday. 他昨天去了上海。
EXPRESSIONS AND PHRASES
3. the rest of 剩余的 e.g. the rest of money 剩余的钱
LANGUAGE LEARNING
教学课件第一单元PPT(金融知识进课堂)
投资工具的选择与运用
总结词
选择适合自己风险偏好和投资目标的投资工具是投资成功的关键。投资者应根据自己的 实际情况选择适合自己的投资工具，并掌握其运用方法。
详细描述
在选择投资工具时，投资者需要考虑自己的风险偏好、投资期限、收益目标等因素。同 时，投资者还需要了解各种投资工具的特点和风险收益特征，以便选择适合自己的投资 工具。例如，对于低风险投资者，可以选择固定收益投资或货币市场基金等低风险投资
工具；对于高风险投资者，可以选择股票、期货等高风险高收益的投资工具。
风险管理的方法与策略
总结词
风险管理是投资者必须掌握的技能之一 ，投资者应了解各种风险管理的方法和 策略，以便在投资过程中有效地控制风 险。
VS
详细描述
风险管理是投资者在投资过程中必须掌握 的技能之一。投资者可以通过分散投资、 限制杠杆、止损等风险管理方法来降低风 险。同时，投资者还需要了解各种风险管 理策略，如保本策略、最大回撤策略等， 以便在投资过程中根据实际情况选择合适 的风险管理策略。
通过大数据分析实现风险控制和信用评估 ，应用于信贷、保险等领域。
金融科技的发展趋势与影响
金融科技的发展趋势
未来金融科技将更加注重智能化、场景化、个性化服务 ，同时加强与人工智能、物联网等技发展将对传统金融业产生深刻影响，加速金 融创新和变革，提高金融服务覆盖面和普惠性，推动金 融业转型升级。
详细描述
银行是金融市场的重要参与者，主要职能包括吸收存款、发放贷款和转账结算等 。根据不同的分类标准，银行可以分为多种类型，如国有银行、商业银行、投资 银行等。
中央银行与货币政策
总结词
中央银行是国家的金融管理机构，负责制定和执行货币政策 ，维护金融市场的稳定。
金融英语课件
• 金匠发现在为客户保护货币时，存款 和取款往往相互冲销，这样保留在保险 箱的存款余额还算是稳定。
金融英语
• 8．The system of keeping one’s money on deposit with the goldsmith was safer than leaving money where it could be easily stolen, but it was a bit nuisance to have to visit the goldsmith each time money needed.
• 交易中介是交换所出售商品和服务时被 普遍接受的任何东西。玉米不是最终的 交换物而是最终交换物的中介。
金融英语
• 5 ． Rather than having to quote rate of exchange for each good in terms of every other good, as was the case in the barter economy, the price of everything could be measured in terms of corn.
• rate of inflation 通货膨胀率 scarce resources 稀缺资源
• social cost of funds 资 金 的 社 会 成 本 credit institution 信贷机构
• principal 资金 本金 基本财产 denomination
面值
金融英语
• 1. In any economy in which decision by individual economic units play a major role, interest rates perform several important function through which they exercise a pervasive influence over economic decision and performance, similar in scope to the influence of other economy-wide prices such as the exchange rate and the basic wage rate.
金融英语
• 8．The system of keeping one’s money on deposit with the goldsmith was safer than leaving money where it could be easily stolen, but it was a bit nuisance to have to visit the goldsmith each time money needed.
• 交易中介是交换所出售商品和服务时被 普遍接受的任何东西。玉米不是最终的 交换物而是最终交换物的中介。
金融英语
• 5 ． Rather than having to quote rate of exchange for each good in terms of every other good, as was the case in the barter economy, the price of everything could be measured in terms of corn.
• rate of inflation 通货膨胀率 scarce resources 稀缺资源
• social cost of funds 资 金 的 社 会 成 本 credit institution 信贷机构
• principal 资金 本金 基本财产 denomination
面值
金融英语
• 1. In any economy in which decision by individual economic units play a major role, interest rates perform several important function through which they exercise a pervasive influence over economic decision and performance, similar in scope to the influence of other economy-wide prices such as the exchange rate and the basic wage rate.
国际金融英语International Finance 课件(I)共152页文档
Unit 1. Money
I. Money
A. Definition of money and review of money’s history.
a) Money is defined as anything that is generally acceptable in payment for goods and services, or in discharge of debts.
d) The difference between currency and money:
Currency refers to notes and coins, while money covers more than currency, such as checks, traveling checks and deposits.
Bank (lender) Public investors
capital
a company (borrower)
principal with interests
A company may borrow long-term funds by issuing long-term corporate bonds to the public. It is a temporary transfer of ownership of funds from the bond buyers (investors) to the company. And the company promises to pay back the principal with interests to the bond buyers in the future. Here, commercial or investment banks play the role of financial intermediation and collect fees for this services, instead of interests.
unit 1 financial system
Diagram 1: Financial System
Terms
◆ 2) Financial market: A financial market is where savers and borrowers interact. Through financial markets, savers can
clients’ risks to make payments more affordable,
in exchange for ________.
Terms
※ Loan shark : A person or body that offers unsecured loans at high interest rates to individuals, often backed by
the gain or loss of the fund. Shares are issued and
can be redeemed as needed.
Terms
※ Pension fund:
A fund set up to collect regular ________ from
employees and their employers, invest those
loan, the lender can take possession of the asset
and use it to cover the loan. Interest rates for
secured loans may be lower than unsecured loans.
Examples of secured loans: home loans, car
金融学-兹维博迪--第一章PPT课件
Chapter 1 Contents
• 1.1 Defining Finance
• 1.2 Why Study Finance
• 1.3 Financial Decisions of Households
• 1.4 Financial Decisions of Firms
• 1.5 Forms of Business Organization
• 1.6 Separation of Ownership and Management
• 1.7 The Goal of Management
• 1.8 Market Discipline: Takeovers
• 1.9 The Role of the Financial Specialist in a Corporation
– the set of quantitative models used to help evaluate alternatives, make decisions, and implement them
• These concepts and models apply at all levels and scales of decision making
• I’m thinking about starting a new business – will it reward me adequately?
• The company is looking to expand into telecommunications. – how should you advise the CFO?
• Understanding finance helps you evaluate these uncertain cash flows
• 1.1 Defining Finance
• 1.2 Why Study Finance
• 1.3 Financial Decisions of Households
• 1.4 Financial Decisions of Firms
• 1.5 Forms of Business Organization
• 1.6 Separation of Ownership and Management
• 1.7 The Goal of Management
• 1.8 Market Discipline: Takeovers
• 1.9 The Role of the Financial Specialist in a Corporation
– the set of quantitative models used to help evaluate alternatives, make decisions, and implement them
• These concepts and models apply at all levels and scales of decision making
• I’m thinking about starting a new business – will it reward me adequately?
• The company is looking to expand into telecommunications. – how should you advise the CFO?
• Understanding finance helps you evaluate these uncertain cash flows
第1章 金融体系的构成PPT课件
一个独立的、享有交易特权的有价证券交易联盟。 这就是后来纽约证券交易所的雏形，1792年5月17 日这一天也因此而成为了纽约证券交易所的诞生日。
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纽约证券交易所--世界上最大的证券交易市场
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纽约证交所内
纽约证交所外
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证交所交易员
❖ 个体→工具→机构→制度→市场→资金融通
❖ 通过该系统的运行，完成价值的表现，资金的
分配和重组。
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二、金融体系在国民经济中的地位
❖ 经济学要解决的三大问题(1970年获得诺贝尔 经济学奖的第一位美国经济学家Samuelson萨 缪尔森的《经济学》)
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1970年诺贝尔经济学奖得主
❖ 金融制度是多种多样的有正式制度和非正式制度，
有法规、道德、习惯，有总体法规），具体交易
规则，也有内部的制精度选PP规T课定件 。
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插絮：非正式制度 ——一个人们耳熟能详的故事
❖ 一个东方的老太与一个西方的老太 在天国见面。西方老太释然地探口 气说：“三十多年来，到今天为止， 我终于把买房的欠款还清了！”东 方老太无奈地探口气说：“积攒了 三十多年的钱，直到今天我刚买下 一所房子。”
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经济学要解决的三大问题
生产什么商品和生产多少？
如何生产？
如何进行资源配置的问题
为谁生产？
一方面，经济社会通过市场交换等方式将短缺资源分 配给最需要的生产者和消费者，另一方面，获得资 源的生产者和消费者为其获得的资源支付相应的报 酬。因此，一个经济体系必然形成物流和资金流。
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纽约证券交易所--世界上最大的证券交易市场
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21
纽约证交所内
纽约证交所外
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22
证交所交易员
❖ 个体→工具→机构→制度→市场→资金融通
❖ 通过该系统的运行，完成价值的表现，资金的
分配和重组。
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4
二、金融体系在国民经济中的地位
❖ 经济学要解决的三大问题(1970年获得诺贝尔 经济学奖的第一位美国经济学家Samuelson萨 缪尔森的《经济学》)
精选PPT课件
5
1970年诺贝尔经济学奖得主
❖ 金融制度是多种多样的有正式制度和非正式制度，
有法规、道德、习惯，有总体法规），具体交易
规则，也有内部的制精度选PP规T课定件 。
23
插絮：非正式制度 ——一个人们耳熟能详的故事
❖ 一个东方的老太与一个西方的老太 在天国见面。西方老太释然地探口 气说：“三十多年来，到今天为止， 我终于把买房的欠款还清了！”东 方老太无奈地探口气说：“积攒了 三十多年的钱，直到今天我刚买下 一所房子。”
精选PPT课件
6
经济学要解决的三大问题
生产什么商品和生产多少？
如何生产？
如何进行资源配置的问题
为谁生产？
一方面，经济社会通过市场交换等方式将短缺资源分 配给最需要的生产者和消费者，另一方面，获得资 源的生产者和消费者为其获得的资源支付相应的报 酬。因此，一个经济体系必然形成物流和资金流。
金融英语1PPT课件
CHAPTER 1
Investments - Background and Issues
整体概述
概述一
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概述二
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概述三
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1-2
The Goals of Chapter 1
This chapter takes an overview of what we will learn in this text book
$22,198
Equipment and software
$3,811
Inventories
$1,634
Consumer durables
$3,843
Total
$45,199
1-8
1.2 A TAXONOMY OF FINANCIAL ASSETS
1-9
Major Classes of Financial Assets
– For individuals, the investment decision is associated with reducing current consumption and plan later consumption
Real Assets
– Assets used to produce goods and services, e.g., property, plant, or equipment
Debt (fixed income securities) (part 3)
– Money market instruments (short term, low risk)
Treasury bills or bank certificates of deposit
Investments - Background and Issues
整体概述
概述一
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概述二
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概述三
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1-2
The Goals of Chapter 1
This chapter takes an overview of what we will learn in this text book
$22,198
Equipment and software
$3,811
Inventories
$1,634
Consumer durables
$3,843
Total
$45,199
1-8
1.2 A TAXONOMY OF FINANCIAL ASSETS
1-9
Major Classes of Financial Assets
– For individuals, the investment decision is associated with reducing current consumption and plan later consumption
Real Assets
– Assets used to produce goods and services, e.g., property, plant, or equipment
Debt (fixed income securities) (part 3)
– Money market instruments (short term, low risk)
Treasury bills or bank certificates of deposit
金融专业英语教学课件
2013-9-27 Chen Jianhui 20
M2 is the most often used reference to money supply. M3 is the most often used reference to M2 is an even broader definition of the money supply, as it includes all money supply. M2是衡量货币供应量最 常用的参考值。 of the components of M1 and M2 plus a number金融资产 of financial assets and financial assets instruments generally employed by financial instruments n. 金融票据 large (jumbo) certificates of deposit.
2013-9-27
Chen Jianhui
8
Strictly enforced government regulations control how many of the deposited dollars must be held in fractional reserve loans. reserve to support deposit money expansion activities 部分准备金存 Loans made against this fractional 款扩张业务 reserve are a key factor in banking and current fractional reserve deposit money expansion activities. a
M2 is the most often used reference to money supply. M3 is the most often used reference to M2 is an even broader definition of the money supply, as it includes all money supply. M2是衡量货币供应量最 常用的参考值。 of the components of M1 and M2 plus a number金融资产 of financial assets and financial assets instruments generally employed by financial instruments n. 金融票据 large (jumbo) certificates of deposit.
2013-9-27
Chen Jianhui
8
Strictly enforced government regulations control how many of the deposited dollars must be held in fractional reserve loans. reserve to support deposit money expansion activities 部分准备金存 Loans made against this fractional 款扩张业务 reserve are a key factor in banking and current fractional reserve deposit money expansion activities. a
unit1Financialsystem金融英语第一课省名师优质课赛课获奖课件市赛课一等奖课件
To sell bonds: maturity, rate of interest, operation To sell stock: ownership, a claim to profit
Ⅱ. Constitution of financial system
2. Financial intermediaries
current year.
2. allocation
allocation of capital allocation of resources
资本配置 资源配置
The total cost of the project was found on allocation to be the materials ₤ 255, labor ₤ 570, machine-hire ₤ 175, total ₤ 1000.
3. Other components of the financial system
33 system
Key words, phrases and special terms
1. allocate 2. deficit 3. investor 4. return 5. consumption 6. prospective 7. incentive 8. pose 9. maturity 10.mismatch 11. coordinate 12. intermediary 13. bond 14. stock
UK RBS 5 HSBC Holdings 汇丰集团 UK HBC 6 Wells Fargo & Co 美国富国银行 US
❖13 Goldman Sachs 高盛集团 US GS 14 BNP Paribas 法国巴黎银行 France BNPQY 15 Barclays Bank 英国巴克莱银行 UK BCS 16 Mizuho Financial Group 日本瑞穗金融集团 Japan MFG 17 Morgan Stanley 摩根士丹利企业 US MS 18 UniCredit 意大利联合信贷银行 Italy 19 Sumitomo Mitsui Financial Group 日本三井住友金融集团 Japan SMFJY 20 ING Bank 荷兰国际集团 Netherlands ING 21 Deutsche Bank 德意志银行 Germany DB 22 Rabobank Group 荷兰合作银行 Netherlands 23 Societe Generale 法国兴业银行 France SCGLY 24 Agricultural Bank of China 中国农业银行 China 25 Intesa Sanpaolo 意大利联合圣保罗银行 Italy IITSF
Ⅱ. Constitution of financial system
2. Financial intermediaries
current year.
2. allocation
allocation of capital allocation of resources
资本配置 资源配置
The total cost of the project was found on allocation to be the materials ₤ 255, labor ₤ 570, machine-hire ₤ 175, total ₤ 1000.
3. Other components of the financial system
33 system
Key words, phrases and special terms
1. allocate 2. deficit 3. investor 4. return 5. consumption 6. prospective 7. incentive 8. pose 9. maturity 10.mismatch 11. coordinate 12. intermediary 13. bond 14. stock
UK RBS 5 HSBC Holdings 汇丰集团 UK HBC 6 Wells Fargo & Co 美国富国银行 US
❖13 Goldman Sachs 高盛集团 US GS 14 BNP Paribas 法国巴黎银行 France BNPQY 15 Barclays Bank 英国巴克莱银行 UK BCS 16 Mizuho Financial Group 日本瑞穗金融集团 Japan MFG 17 Morgan Stanley 摩根士丹利企业 US MS 18 UniCredit 意大利联合信贷银行 Italy 19 Sumitomo Mitsui Financial Group 日本三井住友金融集团 Japan SMFJY 20 ING Bank 荷兰国际集团 Netherlands ING 21 Deutsche Bank 德意志银行 Germany DB 22 Rabobank Group 荷兰合作银行 Netherlands 23 Societe Generale 法国兴业银行 France SCGLY 24 Agricultural Bank of China 中国农业银行 China 25 Intesa Sanpaolo 意大利联合圣保罗银行 Italy IITSF
财务管理专业英语unit1省公开课金奖全国赛课一等奖微课获奖PPT课件
international protection of patent 专利权国际保护 What trademark is it? 什么品牌? 15.creditor 债权人 He come to an arrangement with his creditor. 他与债权人达成处理纠纷协议。
10/36
should the firm hold? • Should the firm modernize or sell an old
production facility? • Should the firm introduce a more efficient
distribution system than the current one?
16/36
Long-term investment decisions
• In what lines of business should the firm engage?
• Should the firm acquire other companies? • What sorts of property, plant, and equipment
股票公开买卖，不过大部分股票被少数不计划卖出股东控制。
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5.vice president of finance 财务副总裁 chief financial officer(CFO) 首席财务官 chief executive officer(CEO)首席执行官
6.pivotal 关键
Any deviation from this economy pivotal task endangers our material base. 离开了经济建设这个中心，就有丧失物质基础危险。 7. allocate(资源、权利）配置 capital allocation 资本配置 allocate shares 分配股份
10/36
should the firm hold? • Should the firm modernize or sell an old
production facility? • Should the firm introduce a more efficient
distribution system than the current one?
16/36
Long-term investment decisions
• In what lines of business should the firm engage?
• Should the firm acquire other companies? • What sorts of property, plant, and equipment
股票公开买卖，不过大部分股票被少数不计划卖出股东控制。
7/36
5.vice president of finance 财务副总裁 chief financial officer(CFO) 首席财务官 chief executive officer(CEO)首席执行官
6.pivotal 关键
Any deviation from this economy pivotal task endangers our material base. 离开了经济建设这个中心，就有丧失物质基础危险。 7. allocate(资源、权利）配置 capital allocation 资本配置 allocate shares 分配股份
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:
金融英语课件1
When people say, "Joe is rich—he has an awful lot of money," they probably mean 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 a yacht.
Copyright © 2010 Pearson Education, Inc. Publishing as Prentice Hall
2
Class Guidelines: Students should:
•
•
•
Be on time. Attendance will be taken at the beginning of each class. Attend all classes. If you miss three classes, you will automatically fail the class. This is university policy. Turn off cell phones when you come to class. Do not answer them or text message in class.
FINANCIAL ENGLISH
School of economics Chun-xia Dai
Course Objectives: Each student will:
Develop his/her reading, writing, thinking skills. Increase his/her ability to use appropriate vocabulary and expression of financial English. Gain a greater understanding of finance.
Copyright © 2010 Pearson Education, Inc. Publishing as Prentice Hall
2
Class Guidelines: Students should:
•
•
•
Be on time. Attendance will be taken at the beginning of each class. Attend all classes. If you miss three classes, you will automatically fail the class. This is university policy. Turn off cell phones when you come to class. Do not answer them or text message in class.
FINANCIAL ENGLISH
School of economics Chun-xia Dai
Course Objectives: Each student will:
Develop his/her reading, writing, thinking skills. Increase his/her ability to use appropriate vocabulary and expression of financial English. Gain a greater understanding of finance.
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5. maturity
the maturity value
到期值
the maturity yield
到期收益
date of maturity
到期日
the amount payable on maturity 到期应付款项
6. principal 本金，可生息的资产、资本
a principal of $ 5, 5000美元的本金 我们已经偿还了本金和利息。
current year.
2. allocation
allocation of capital allocation of resources
资本配置 资源配置
The total cost of the project was found on allocation to be the materials ₤ 255, labor ₤ 570, machine-hire ₤ 175, total ₤ 1000.
33 system
Key words, phrases and special terms
1. allocate 2. deficit 3. investor 4. return 5. consumption 6. prospective 7. incentive 8. pose 9. maturity 10.mismatch 11. coordinate 12. intermediary 13. bond 14. stock
Warm up
If I had so much money, I would deposit $ 40,000 in the bank for a fixed period. The fixed deposit can earn steady interest for me. Since it has a good liquidity, I can draw on my deposit in need of cash.
$ 20,000 would be put in various bonds, which are less liquid but more profitable. The prices of stocks fluctuate every day. I may risk losing my investment if choosing a wrong stock. I would only put in $ 20,000 in stocks.
Mutual funds might be a less risky choice, as they are a basket of stocks and bonds operated by a group of experts. A kind of profit-sharing insurance is also worth considering. So the rest $ 20,000 would be put in mutual funds or insurances.
投资回报 总资产收益 规模报酬
退货（pl.）
returns inwards returns outwards
销货退回 购货退回
The book stores do not accept returns, even ones in good condition.
Key words, phrases and special terms
Unit 1
Financial System
Study objectives
1
Grasp terms relating to financial system
2
Understand the roles of financial system
Learn to express the constitution of financial
该项目的全部费用分配情况如下：材料，劳力，机器租用费
Key words, phrases and special terms
3. deficit
trade deficit
make up the deficit deficit financing
4. return
收入，投资回报，收益（pl.）
returns on investment returns on total assets returns to scales
We have repaid the principal and interest.
As to the penalty, we must consult our principal.
Key words, phrases and special terms
7. portfolio
investment portfolios a portfolio of shares foreign portfolio investment
15. computer chip 16. periodically 17. mature 18. principal 19. ownership 20. claim 21. take in 22. deposit 23. depositor 24. proceeds 25. portfolio 26. shareholder
投资清单 股票清单 国外有价证券投资
Warm up
▪ Suppose you saved $ 100,000 and you wanted to make more money from it, how would you deal with the money? Why?
▪ Do you have any experience with banks or mutual funds? Name some banks and funds at home and abroad.
Key words, phrases and special terms
1. allocate
We allocated a quarter of the total expenditure to the public services. 公用事业
本年度他们分配到10万美元的外汇配额。
They are allocated an exchange quota of $ 100,000 for the