金融英语第二版刘文国课后翻译题答案

金融英语第二版刘文国课后翻译题答案

-CAL-FENGHAI.-(YICAI)-Company One1

中译英：

一.1.金融管理是商业管理的重要方面之一，没有合适的金融计划企业是不可能成功的。

Finance is one of the most important aspects of business management. Without proper financial planning a new enterprise is unlikely to be successful.

2.金融中介机构的基本宗旨是把不受公众欢迎的金融资产转变为他们能够接受的金融资产。

Financial intermediaries play the basic role of transforming financial assets that less desirable for a large part of the public into other financial assets-their own liabilities-which are more widely preferred by the public.

3.企业经营是有风险的，因而，财务经理必须对风险进行评估和管理。Businesses are inherently risky, so the financial manager has to identify risks and make sure they are managed properly.

4.投资决策首先是指投资机会，常常指资本投资项目。

The investment decision stars with the identification of investment opportunities, often referred to as capital investment projects.

5.现金预算常常被用来评估企业是否有足够的现金来维持企业的日常经营运转和（或）是否有太多现金富裕。

Cash budgets are often used to assess whether the entity has sufficient cash to fulfill regular operations and/or whether too much cash is being left in unproductive capacities.

6.按照金融学的观点，资本就是企业购买商品以生产其它商品或提供服务的货币资金。

Capital, in the financial sense, is the money that gives the business the power to buy goods to be used in the production of other goods or the offering of a service.

四.1.商业银行应积极开展电话银行转账功能风险评估和分类，依据收款账户的潜在风险高低，相应设置不同的转账额度和次数限制。

A commercial bank shall actively conduct the risk assessment and classification of the telephone banking transfer functions, and set different limits on the transfer amount and times according to the degree of potential risks on the recipient account.

2.商业银行相对其他行业属于信息化程度较高的行业，银行数据库里积累了海量的客户信息

Commercial banks have gained more information and have large scale of data.

3.商业银行的管理人员在分析客户的贷款申请时必须考虑许多因素。Managers in Commercial banks have to consider many factors in analyzing a customer's loan request.

4.除中国银行外，交通银行、农业银行、工商银行、建设银行在城乡也都设立了许多的机构，便于你获得金融服务。

Besides the Bank of China, the Communication Bank, Agricultural Bank, Industrial and Commercial Bank, Construction Bank also have created many branches in a city or town, and that makes easier for you to get financial services.

5.定期存款也叫CD，是存款证书的一种类型。

A certificate of deposit, also called a CD, is a type of savings certificate.

6.商业银行作为一家金融机构，其业务范围包括：从个人和公司吸收存款；通

过提供贷款和其他对客户的财务或生意的运转很重要的金融业务来建立信贷，包括资金转账、支票兑现、银行保管箱等。

A commercial bank is an financial institution established to: accept deposits from individuals and businesses; originate credit by providing loans and offering other financial services essential to the running of a customer's financial or business affairs, including fund transfers, check cashing, safe deposit boxes, etc.

六.1.外汇交易市场，也称为"Forex"或"FX"市场，是世界上最大的金融市场，平

均每天超过1兆美元的资金在当中周转 -- 相当于美国所有证券市场交易总和的30倍。

The Foreign Exchange Market, called by "Forex" market or FX market, is the biggest financial market in the world with trading volumes surpassing USD 1 trillion average one-day, it is as big as 30 times of stock market.

2."外汇交易"是同时买入一对货币组合中的一种货币而卖出另外一种货币。外汇是以货币对形式交易，例如欧元/美元(EUR/USD)或美元/日元(USD/JPY)。“Foreign exchange” is to buy one currency and sell another in currency pair at the same time. The trading form of foreign currency is the currency pair, for example EUR/USD OR USD/JPY.

3.外汇交易市场是一个24 小时全球交易市场，市场交易每天从悉尼开始，并且随着地球的转动，全球每个金融中心的营业日将依次开始 , 首先是东京，然后

伦敦，和纽约。

Foreign exchange market is worldwide market where operating 24 hours a day, the market trading starts from Sydney, turning around the earth , the business day of every financial center in the world will star to trade in turn, then is Tokyo, next is London, and New York.

4.外汇交易投资者可以对无论是白天或者晚上发生的经济，社会和政治事件而

导致的外汇波动而随时反应。

Investors of FX may make decisions base on the fluctuation of foreign currency price leaded by economics, society and political events no matter happens in day time or night.

5.外汇交易市场是一个超柜台 ( OTC ) 或“ 银行内部”交易市场，因为事实上外汇交易是交易双方通过电话或者一个电子交易网络而达成的，外汇交易不象股票和期货交易市场那样，不是集中在某一个交易所里进行的。

The foreign exchange market is Over the Counter (OTC) or interbank market because foreign currency is traded through phone or electronic trading net in fact, the trading of foreign currency does not like stock trade, it is not intensive trading in exchange center.

6.在外汇交易中，您会看到一个两边的报价，由买价与卖价组成，买价是在此

价格上您拟卖掉基础货币（同时买进相反货币）。卖价是这个价格，在此价格上您可以买进基准货币时卖掉相反货币。

You will see the price board consisted of bid price and ask price in trading of foreign currency, bid price is the price you sell your base currency (at the same time buy