精品干货金融专业英语考题总结-(收藏)

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金融专业英语复习1

一、名词解释1、Financial system金融体系: 指一个经济体中资金流动的基本框架，它是资金流动的工具（金融资产）、市场参与者（中介机构）和交易方式（市场）等各金融要素构成的综合体。

P42、Treasury bill国库券:a short-term obligation that is not interest-bearingP243、fiat money不可兑现货币：指由政府发行的不能兑换成黄金或白银的货币，其购买力完全来自政府的权威和信誉 money that the government declares tobe legal tender although it cannot be converted into standard specie.P23 4、Monetary policy货币政策： the process by which the government,central bank,or monetary authority of a country controls the supply of money,availability of money, and interest rate ,in order to keep growth and stability of the economy. P375、discount loan贴息贷款:A loan on which the interest and financing charges are deducted from the face amount when the loan is issued P376、Chinese Banking Regulatory Commission:the watchdog for banks in china,responsible for making the rules and regulations for the financial and banking institutions it supervises. P507、consolidation合并：the merger or acquisition of many smaller companies into much larger ones P508、P/B ratio市净率:a ratio used to compare a stock's market value to its book value. P669、H-shares:shares of companies in china's mainland that are listed on Hong Kong Stock Exchange. P6610、Risk management:the process of identification,analysis and either acceptance or mitigation of uncertainty in investment decision-making.11、trust fund:property,especially money and securities,held or settledin trust. P7812、Quota配额:in international trade,a government-imposed limit on the quantity of goods and services that may be exported over a specified periodof time.(不确定P90)13、Balance of payments:14、Eurodollar欧洲美元:the dollar-denominated deposit in foreign banks outside the United States banks. P10515、Time deposit定期存款:the fixed-maturity account that cannot be withdrawn without advance notice. P10516、Floating exchange rate浮动汇率:a type of exchange rate regime whereina currency's value is allowed to fluctuate according to the foreign exchange market. P11417、Draft汇票：a written order from one person (the payer)to another,signed by the person giving it,requiring the person to whom itis addressed to pay on demand or at some fixed future date ,a certain sum of money,to either the person identified as payee or to any person presenting the bill. P14018、Secondary market: a financial market in which securities that have been previously issued can be resold. P15219、Security证券，抵押品：an investment instrument issued by a corporation,government,or other organization which offers evidence of debt or equity. P15220、common stock普通股:a share of ownership in a corporation carrying voting rights that can be exercised in corporate decisions. P163 21、Futures期货:a standardized contract,traded on a futures exchange,to buy or sell a certain underlying instrument at a certain date in the future,at a specified price.22、Option期权:a privilege sold by one party to another that offers the buyer the right,but not the obligation,to buy or sell a security at an agreed-upon price during a certain period of time or on a specific date.二、课后翻译题：1、共同基金是向大众出售股票的机构，并用由此所得的收益选择购买各种类型的股票或者债券，或者投资组合，或者同时购买股票和债券的投资组合。

(完整word版)金融英语重点题目(word文档良心出品)

Assignment1.Does the Barter system have any disadvantage that makes it disappear nowadays?Yes {补充Barter—exchange goods with goods.Such as:Goat, stone, ox, salt, shell,peal, jade,iron,……Disadvantages of Barter•Deterioration•Indivisibility•Inefficient and Protracted (rate of exchange)•Double coincidence of wants•silver, gold overcame such shortcomings}2.What is money and its functions?Money can be described as any commodity or token that is generally acceptable as a means of payment for goods or services or in the repayment of debt.FunctionsMedium of exchangeUnit of accountStore of value3.What does contribute the monetary aggregates?. M0 现金(currency—paper money and coins). M1 狭义货币供应量=M0(currency—paper money and coins)+活期存款(demand deposit). M2 广义货币供应量=M1+定期存款(time deposit)+储蓄存款(savings deposit)+其他存款+货币市场共同基金. M3=M2+大额定期存款和期限存款4.What is the differences between interest rate and yield?In finance ,the yield carre is the relation of between the interest rate and time to maturity of the debt for a given borrower in a given currency.5.Please briefly introduce some about the motives which could determine the demand forliquidity according to Keynes.The transactions motive 交易动机The precautionary motive预防Speculative motive投机6.What kinds of factors could be used to explain the risk structure of interest rates? And brieflydescribe the relation between each factor and the risk structure of interest rates?Default RiskRisk PremiumLiquidity RiskTax Considerations7.What's difference between expansionary and contractionary monetary policy?an expansionary policy increases the total supply of money in the economy more rapidly than usual, and contractionary policy expands the money supply more slowly than usual or even shrinks it.8.What are the goals of monetary policy?•the promotion of sustainable economic growth•full employment•stable prices•Stable balances of payments9.Briefly describe the characteristics of open market operation?Initiative•Open market operations could be fully controlled by the central bank.Flexibility•The released or absorbed amount of money also is a decision coming from the central bank.Timeliness•The buying or selling proposals could be transacted immediately. Thereby, the excess reserves of different financial institutions involving open market operations will be accordingly changed. The open market operations also could be frequently, continuously and reversely.10.What do you think about the limitation of rediscounting policy?Rediscounting policy is not an ideal option for controlling the money supply.First，central banks always are rediscounted by those commercial banks.Besides, rediscounting rate will be regulated within a minimum and maximum.And, if commercial banks extensively depends on rediscounting policy for a long time, it’d put a lot of pressures on central banks, thereby, the ability of central banks to control the money supply will be further weakened.11.What are some disadvantages to issuer during asset securitization?Portfolio quality, costs , size limitations12.How to define the money market? What are basic functions of money market?Define: The money market is used by participants as a means for borrowing and lending in the short term, from several days to just under a year.Functions: Fulfill the short-term need from central governmentProvide a good choice for central bank conducting open market operationsMake a default-free investment tool for market investorsfunction•They have low default risk•They are usually sold in large denominations (面额)•The central bank can be directly involved by monetary policy instruments13.Which of the money market securities is the most liquid and considered the most risk-free?（五~~67）Why?（一~~90）Treasury Bills Treasury Bills ,because it is issued by government and backed by its full faith and credit.Fuctions•Fulfill the short-term need from central government•Provide a good choice for central bank conducting open market operations•Make a default-free investment tool for market investorsBy contrast, U.S. Treasury bonds have usually been considered to have no default risk because the federal government can always increase taxes to pay off its obligations. Bonds like these with no default risk are called default-free14.What are differences between CDs and ordinary time deposit?(五~~64,65)Instrument— Negotiable Certificates of DepositActually it’s a kind of time deposits with some differences to traditional time deposits.1.It’s also called a bearer instrument with the trait of negotiation2.Fixed denomination3.It’s a relatively short-term security.4.It’s normally traded by using the floating interest rate.Instrument— Negotiable Certificates of Deposit• A negotiable certificate of deposit is a bank-issued security that documents a deposit and specifies the interest rate and the maturity date15.What was the purpose motivating regulators to impose interest ceilings on bank savingsaccounts? What impact did this eventually have on the money markets?For banks could pay for funds .banking profits were assured16.Distinguish between competitive bidding and noncompetitivebidding for T-Bills.（五~~73）区别：标书内容不一致竞争：标价，申购数量（has a price and explain the quantity）非竞争：只有数量无标价(explain the quantity)A party can purchse T-bills during a T-bills auction noncompetive bid via.with competitive bid, The party specifies the discount rate that he is willing to accept.17.Contrast investors’ use of capital markets with their use of money market.( 对比对资本市场的投资者’用途以对金融市场的他们的用途。

金融英语试题及答案

金融英语试题及答案一、选择题（每题2分，共20分）1. Which of the following is not a type of financial instrument?A. StockB. BondC. DerivativeD. Commodity2. The term "leverage" in finance refers to:A. The use of borrowed funds to increase the potential return of an investment.B. The amount of money invested in a project.C. The process of buying and selling securities.D. The risk associated with a particular investment.3. What does the acronym "IPO" stand for?A. International Public OfferingB. Initial Public OfferingC. Internal Private OfferingD. International Private Offering4. The primary market is where:A. Securities are issued for the first time to the public.B. Securities are traded after they have been issued.C. Companies buy back their own securities.D. Investors sell their securities to other investors.5. A bear market is characterized by:A. A prolonged period of falling prices.B. A period of economic growth.C. A period of high inflation.D. A period of low unemployment.6. The term "risk management" in finance involves:A. Predicting future market trends.B. Identifying potential risks and taking steps tomitigate them.C. Maximizing returns on investments.D. Managing the day-to-day operations of a financial institution.7. A "blue chip" stock refers to:A. A stock that is considered to be of high quality and carries a lower risk.B. A stock that is traded on a blue-colored chip.C. A stock that is considered to be very risky.D. A stock that is traded on a major stock exchange.8. The process of "short selling" involves:A. Borrowing securities and selling them in the hope of buying them back at a lower price.B. Selling securities that the investor does not own.C. Buying securities with the expectation that their price will increase.D. Holding securities for a long period of time.9. What is the role of a "broker" in finance?A. To provide financial advice to clients.B. To facilitate the buying and selling of securities between investors.C. To manage a company's financial transactions.D. To underwrite securities for companies.10. The "efficient market hypothesis" suggests that:A. Stock prices fully reflect all available information.B. It is possible to consistently beat the market by picking individual stocks.C. Investors are irrational and make poor decisions.D. The market is always undervalued.二、填空题（每题1分，共10分）11. The _______ is the process by which a company raisescapital by issuing shares to the public for the first time. 12. A _______ is a financial contract that obligates thebuyer to purchase an asset or the seller to sell an asset ata predetermined future date and price.13. The _______ is the market where existing securities are bought and sold.14. The _______ is a measure of the risk of an investment compared to the return it is expected to generate.15. When the stock market is experiencing a significant and sustained increase in prices, it is known as a _______ market.16. A _______ is a financial institution that acceptsdeposits and provides various types of loans to customers. 17. The _______ is a measure of the ability of a company to pay its current debts with its current assets.18. A _______ is a financial statement that shows a company's financial performance over a period of time.19. The _______ is a type of investment strategy that focuseson long-term growth potential.20. An _______ is a financial instrument that derives its value from an underlying asset.三、简答题（每题5分，共30分）21. Explain the difference between a "mutual fund" and a "hedge fund".22. Describe the concept of "diversification" in investment.23. What is "inflation" and how does it affect the value of money?24. Discuss the role of "central banks" in the economy.四、论述题（每题20分，共20分）25. Discuss the impact of globalization on the financial markets and provide examples to support your argument.五、案例分析题（每题20分，共20分）26. Analyze a recent financial crisis and discuss the factors that contributed to it, the impact it had on the global economy, and the lessons that can be learned from it.答案：一、选择题1-5 D A B A A6-10 B A A B A二、填空题11. Initial Public Offering (IPO)。

金融英语考试重难点及小抄

金融英语总结一、单词互译（5个中译英，5个英译中）题型：一.单词互译（5个中译英，5个英译中）涉及的内容包括国际经济学第15、16章前面的关键词、金融英语讲过章节（大概有4、5章内容，上了课的同学都知道的）前面的关键词、以及上次打印的一个金融题目中的单词翻译（只涉及1、2个）Absorption approach吸收法 Currency pass-through货币传导机制Elasticity approach弹性法 J-curve effect J曲线效应Marshall-Lerner condition马歇尔勒纳条件Monetary approach货币法 Currency board货币局制度Adjustable peggedexchange rate可调整的盯住汇率Dollarization美元化 Fixedexchange rates固定汇率Floating exchange rates浮动汇率 Multiple exchange rate多重汇率Fundamentaldisequilibrium基本面失衡Devaluation人为贬值 Revaluation人为升值Financial intermediary金融中介机构 Asset资产 Liability负债Federal Reserve System美联储体系 Interest floor利率下限Swap互换 Strike price成交价 Interest cap利率上限Calloption看涨期权 Put option看跌期权BrettonWoods system Devaluation人为贬值Crawlingpeg 爬行盯住 dual exchange rate 双重汇率Exchangecontrol 汇率控制 exchange-stabilizationfund 汇率稳定基金Keycurrency 关键货币 leaning against thewind 在风中倾斜Managedfloating system二．段落互译（2个英译中，2个中译英）P5 第一、二段金融市场中的不对称信息意味着投资者可能会受制于隐藏在有效操作中的逆向选择和道德风险。

金融英语简答题(精品WORD文档)

Chapter 11. What are the five parts of the financial system and their functions?The five parts of the financial system are money, financial instruments, financial markets, financial institutions, and central banks. We use money to pay for our purchases and to store wealth. We use financial instruments to transfer resources from savers to investors and to transfer risk to those who are best equipped to bear it. Financial markets allow us to buy and sell financial instruments quickly and cheaply. Financial institutions provide a number of services, including access to the financial markets and collection of information about prospective borrowers to ensure they are creditworthy. Central banks monitor and stabilize the economy.2. What does the international financial system include?The international financial system includes the international money and capital markets and the foreign exchange market. The international money market trades short-term claims with an original maturity of one year or less while the international capital market trades capital market instruments with an original maturity greater than one year. A crucial part of the international financial system is the foreign exchange market, where foreign currencies are bought and sold in the course of trading goods, services, and financial claims among countries.Chapter 21. What is the difference between money and currency?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. Currency, consisting of dollar bills and coins, clearly fits this definition and is one type of money.2.Please summarize the measures of the monetary aggregates as defined by the Federal Reserve of the United States.M1=currency+Demand deposits+Other checkable depositsM2=M1+Small-denomination time deposits+ Savings deposits and money market deposit accounts+ Money market mutual fund shares( non-institutional)M3=M2+Large-denomination time deposits+ Money market mutual fund shares( institutional)+Repurchase agreements+Eurodollars.Chapter 31. What are commercial banks?A commercial bank is an institution that accepts deposits and uses the proceeds to make consumer, commercial, and mortgage loans. Originally established to meet the needs of businesses, many of these banks now serve individual customers as well. Today, commercial banks tend to specialize as community, regional and super-regional, or money center banks.2.How are saving banks different from savings and loan institutions?Saving banks respond more flexibly to the changing economic and financial circumstances than S&Ls. A higher proportion of savings banks have remained mutual than has been the case with S&Ls.Chapter 41. What is the difference between the financial intermediation process of finance companies and that of banking institutions?The financial intermediation process of finance companies can be described by saying that they borrow in large amounts but often lend in small amounts▬ a process quite different from that of banking institutions, which collect deposits in small amounts and then often make large loans.2.Please compare the function of securities brokers and dealers.Brokers are pure intermediaries who act as agents for investors in the purchase or sale of securities. Their function is to match buyers with sellers, a function for which they are paid brokerage commissions. In contrast to brokers, dealers link buyers and sellers by standing ready to buy and sell securities at given prices. Therefore dealers hold inventories of securities and make their living by selling these securities for a slightly higher price than they paid for them.Chapter 51.What is the difference between the nominal interest and the real interest?The interest that makes no allowance of inflation is referred to as the nominal interest rate, which is distinguish it from the real rate, the interest that is adjusted for expected changes in the price level so that it more accurately reflects the true cost of borrowing.2.Why is the concept of the present value extremely useful?The concept of the present value is extremely useful because it allows us to figure out today’s value of credit market instrument at a given sample of interest rate I by just adding up the individual present values of all the future payments received. The concept allows us to obtain an equivalent measure of the interest rate on all types of credit market instruments.Chapter 61. What are the characteristics of money market securities?●They are usually sold in large denominations.●They have low default risk.●The mature in one year or less from their original issue date. Most money market instrumentsmature in less than 120 days.2. Please name at least three kinds of money market instruments.●Treasury bills●Negotiable certificates of the deposit●Commercial paper●Banker’s acceptance●Repurchase agreementsChapter 71.What are the day-to-day jobs of central banks?Provide loans during times of financial stressManage the payments systemOversee the commercial banks and the financial system2.What are the differences between central banks and national banks?Any central bank’s main responsibility is the management of the monetary policy to ensure a stable currency. This is distinct from the goal of a national bank which to ensure a stable domestic economy. Unlike the national bank, a central bank usually quite narrowly aims to manage inflation as well as deflation, and intervenes primarily through open market operations in which it achieves its monetary tasks by massive buying or selling, rather than by regulations. A national bank will have more mechanisms to deal with asset inflation, regional development, and to require that sustainable development, and industrial policy, or domestic-focused industries are favored. A national bank is rarely separate from its government.Chapter 81.What are the advantages of open market operations over the other tools of monetarypolicy?●Central banks have complete control over open market operations over their volume.●Open market operations are flexible and precise; they can be used to any extent.●Open market operations are easily reversed.●Open market operations can be implemented quickly; they involve no administrative delays.2.What are the goals of monetary policy?●high employment●economic growth●price stability●interest-rate stability●stability of financial marketsChapter 91.What are the primary market and secondary market?Capital market trading occurs in either the primary market or the secondary markets. The primary market is where new issues of stocks and bonds are introduced. A secondary market is where the sale of previously issued securities takes place. There are two types of exchanges in the secondary market for capital securities: organized exchanges and over-the-counter (OTC) exchanges.2.What is a down payment?To obtain a mortgage loan, the lender-usually requires the borrower to make a down payment on the property, that is, to pay a portion of the purchase price. Down payments are intended to make the borrower less likely to default on the loan and reduce moral hazard for the borrower. Chapter 101.How do futures contract differ from forwards contract?Forward contracts are negotiated between t wo parties and, therefore, can have unique specifications that depend on the demands of those parties. Because they are customized, forward contracts are very difficult to resell to someone else. Forward contracts, on the other hand, tend to be used when the credit rating of the contracting parties is high and easy to verify.By contrast, futures contracts are standardized contracts that are traded on exchanges.The exchange specifies the exact commodity, the contract size, and where and when delivery will be made. It is, therefore, easy for parties to a futures contract to t erminate their positions before the specified delivery date. Because of t heir careful procedures to protect against the risk of contract default by requiring the posting of margin,furthers markets are used by individuals and firms whose credit rating may be costly to check.2.What are the three stages does currency swap have?●an initial exchange of principal: the two counterparties exchange principal amounts at anagreed exchange rate. This can be a notional exchange since its purpose is to establish the principal amounts as a reference point for the calculation of interest payments and the re-exchange of the principal amounts.●exchange of interest payments on agreed dates based on outstanding principal amounts andagreed fixed interest rates.●re-exchange of the principal amounts at a predetermined exchange rate so the parties end upwith their original currencies.Chapter111.What is the different between a spot transaction and an outright forward transaction? The only difference is that spot is settled, or delivered, on a value date no later than two business days after the deal date, while outright forward is settled on any pre-agreed date three or more business days after the deal date.2. How are option different from a forward contract and future contract?Options are unique in that the right to execute will be exercised only if it is in the holder’s interest to do so.That differs from a forward contract, in which the parties are obligated to execute the transaction on the maturity date, and it differs from a futures contract, in which the parties are obligated, in principle to transact at maturity, but that obligation easily can be—and normally is—bought out and liquidated before the maturity or delivery date.Chapter121.What are the four basic categories within the current account?The four basic categories within the current account are:The goods category includes imports and exports of tangible goodsThe services category includes flows of payment in exchange for services countries provide to each otherThe income category measures cross-border compensation of employees. It also includes interest and dividend payments to foreign residents and governments who hold domestic financial assets, as well as payments received by domestic residents and governments who hold financial assets abroad.Transfer payments include unilateral gifts or payments from private citizens and government of a country to people living abroad or vice versa.2.How do you understand a balance-of-payment deficit, surplus, and equilibrium?A balance-of-payments deficit refers to a situation in which the official settlements balance is positive. Ignoring a statistical discrepancy, if the sum of the credits and debits in the current account and the capital and financial account is negative, private payments made to foreigners exceed private payments received from foreigners. In this case, the official settlements balance must be positive. This is called a balance-of-payments deficit. A situation where the sum of the debits and credits in the current and the capital and financial account is positive means that private payments received from foreigners exceed private payments made to foreigners. In this case, the official settlements balance is negative, and there is a balance-of-payments surplus. A balance-of-payments equilibrium refers to a situation where the sum of the debits and credits in the current account and capital and financial account is zero, and thus the official settlements balance is zero.Chapter131.Why are many commercial banks establishing branches around the world? International business allows companies to diversify among various economies so that their performance is less dependent on economic conditions of any single country.Furthermore, the establishment of branches allows a bank to do business face to face with subsidiaries of multinational corporations. The global expertise of some of the larger banks distinguishes them from the small and medium banks and enables them to dominate business by attracting the large corporations.2.What are the most common types of risk to which multinational banks are exposed?The most common types of risk to which multinational banks are exposed are:credit risk, exchange rate risk, settlement risk, interest rate risk as well as country risk.。

金融市场机构复习资料(英文版)

图表类：如何判断简单的曲线移动： Demand curve:➢ Wealth 增加，Demand 增加➢ Expected interest rate 上升，Demand 减少（因为明年的利率搞了，多数人会选择在明年投资而非今年）➢ Expected inflation 上升，Demand 减少（解释见Fisher Effect ） ➢ Riskiness of bonds relative to other assets 上升，Demand 减少 ➢ Liquidity of bonds relative to other assets 上升，Demand 增加 Supply curve:➢ Expected profitability of investments 增加，Supply 增加 ➢ Expected inflation 变大，Supply 增加(解释见Fisher Effect) ➢ Government deficit 变大，Supply 在增加(解释见Budget deficit) 注：红字部分要熟练掌握，安德鲁所划考点部分考点详解：1. Wealth Effect:➢ Economic BoomFor Money Market: A boom in economic cause an increase in wealth ，thus demand of money increase, demand curve shift right, so interest rate increase and price of bond decrease. 注意：在货币市场中，现金供给曲线是垂直于X 轴的直线，保持不变。

Foe Bond Market: As wealth increase, both supply and demand loanable (demand of bond and supply of bond) shift right and the interest rate must equals to the rate in money market. 注：债券的供给可以被理解为可贷金的供给，即Demand of bond = supply if loanable ， Supply of bond = demand of loanableMoney Market B ond Market➢ RecessionaryRecessionary 和Boom 正好完全相反，因为经济萧条，导致货币市场的需求量减小，需求曲线左移，interest rate 下降，Price 上升，同时在Bond Market 中，由于wealth 减少，需求和供给曲线同时左移，并且产生的新的Interest Rate 和Money Market 相等。

金融专业英语考题总结

金融专业英语考题总结一、China’s Financial System1.Describe the financial system of China. (Write down three institutions’ name ofeach sector optionally.)简单描述中国的金融体系。

China’s financial system consists of banking, non-banking financial sectors, financial markets and regulatory commissions.Banking includes PBC (The People’s Bank of China), policy banks, state-owned banks and other commercial banks. And among them, policy banks contain CDB (China Development Bank), EXIMBC (The Import-Export Bank of China), ADBC(Agricultural Development Bank of China); State-owned banks contain BC (Bank of China), ICBC (Industrial and Commercial Bank of China), ABC(Agricultural Bank of China),CCB(China Construction Bank); Other commercial banks contains BComm, Citic Bank, Everbright, Huaxia, Minsheng, Guangdong D(Guangdong Development Bank), Shenzheng D, Merchants, Xingye, Pudong D, Hengfeng, Zheshang, Urban Commmercial, Rural Commercial, and so on.Non-banking financial sectors includes Financial Asset Management CO. which manage non-performing assets of the big 4 banks: ICBC’s Huarong, ABC’s Changcheng, BC’s Dongfang, CBC’s Xinda; Insurance Co.; Trust Invest.;Securities Co.; Financial Leasing; Urban CC; Rural CC;Investment fund; Postal savings and other institutions.Financial markets include money market, stock market, band market, futures market, VC/PE and real estate.Regulatory commission includes CBRC（China BankingRegulatory Commission）, CSRC（China Securities Regulatory Commission）, CIRC（China Insurance Regulatory Commission）, SAFE(State Administration of Foreign Exchange), and son on.二、Short History of Modern Finance1. When is the watershed year of modern finance?Nineteen fifty-two is the watershed year for modern finance.现代金融的分水岭是1952年。

(完整word版)英文版国际金融试题和答案

PartⅠ.Decide whether each of the following statements is true or false (10%)每题1分, 答错不扣分1.I.perfec.market.existed.resource.woul.b.mor.mobil.an.coul.therefor.b.transferre.t.thos.countrie.mor.willin.t.pa..hig.pric.fo.them.. .. .2.Th.forwar.contrac.ca.hedg.futur.receivable.o.payable.i.foreig.currencie.t.insulat.th.fir.agains.exchang.rat.risk ... . )3.Th.primar.objectiv.o.th.multinationa.corporatio.i.stil.th.sam.primar.objectiv.o.an.firm.i.e..t.maximiz.sharehol de.wealth.. .. )4..lo.inflatio.rat.tend.t.increas.import.an.decreas.exports.thereb.decreasin.th.curren.accoun.deficit.othe.thing.e qual......5..capita.accoun.defici.reflect..ne.sal.o.th.hom.currenc.i.exchang.fo.othe.currencies.Thi.place.upwar.pressur.o.tha.hom.currency’.value.. .. )parativ.advantag.implie.tha.countrie.shoul.specializ.i.production.thereb.relyin.o.othe.countrie .fo.som.products.. .. .7.Covere.interes.arbitrag.i.plausibl.whe.th.forwar.premiu.reflec.th.interes.rat.differentia.betwee.tw.countrie.sp ecifie.b.th.interes.rat.parit.formula. .. . )8.Th.tota.impac.o.transactio.exposur.i.o.th.overal.valu.o.th.firm.. .. .9. .pu.optio.i.a.optio.t.sell-b.th.buye.o.th.option-.state.numbe.o.unit.o.th.underlyin.instrumen.a..specifie.pric.pe.uni.durin..specifie.period... . )10.Future.mus.b.marked-to-market.Option.ar.not.....)PartⅡ:Cloze (20%)每题2分, 答错不扣分1.I.inflatio.i..foreig.countr.differ.fro.inflatio.i.th.hom.country.th.exchang.rat.wil.adjus.t.maintai.equal.. purchasin.powe... ）2.Speculator.wh.expec..currenc.t..appreciat..... .coul.purchas.currenc.future.contract.fo.tha.currency.3.Covere.interes.arbitrag.involve.th.short-ter.investmen.i..foreig.currenc.tha.i.covere.b.....forwar.contrac...... .t. sel.tha.currenc.whe.th.investmen.matures.4.. Appreciation.Revalu....）petitio.i.increased.5.....PP... .suggest..relationshi.betwee.th.inflatio.differentia.o.tw.countrie.an.th.percentag.chang.i.th.spo.exchang.ra t.ove.time.6.IF.i.base.o.nomina.interes.rat....differential....).whic.ar.influence.b.expecte.inflation.7.Transactio.exposur.i..subse.o.economi.exposure.Economi.exposur.include.an.for.b.whic.th.firm’... valu... .wil.b.affected.modit.a..state.pric.i..... pu..optio..i.exercised9.Ther.ar.thre.type.o.long-ter.internationa.bonds.The.ar.Globa.bond. .. eurobond.....an....foreig.bond...).10.An.goo.secondar.marke.fo.financ.instrument.mus.hav.a.efficien.clearin.system.Mos.Eurobond.ar.cleare.thr oug.eithe...Euroclea... ..o.Cedel.PartⅢ:Questions and Calculations (60%)过程正确结果计算错误扣2分rmation:A BankB BankBid price of Canadian dollar $0.802 $0.796Ask price of Canadian dollar $0.808 $0.800rmation.i.locationa.arbitrag.possible?put.t h.profi.fro.thi.arbitrag.i.yo.ha.$1,000,e.(5%)ANSWER:Yes! One could purchase New Zealand dollars at Y Bank for $.80 and sell them to X Bank for $.802. With $1 million available, 1.25 million New Zealand dollars could be purchased at Y Bank. These New Zealand dollars could then be sold to X Bank for $1,002,500, thereby generating a profit of $2,500.2.Assum.tha.th.spo.exchang.rat.o.th.Britis.poun.i.$1.90..Ho.wil.thi.spo.rat.adjus.i.tw.year.i.th.Unite.Kingdo.experience.a.inflatio.rat.o..percen.pe.yea.whil.th.Unite.State.experience.a.inflatio.rat.o..perc en. pe.year?(10%)ANSWER:According to PPP, forward rate/spot=indexdom/indexforth.exchang.rat.o.th.poun.wil.depreciat.b.4..percent.Therefore.th.spo.rat.woul.adjus.t.$1.9..[..(–.047)..$1.81073.Assum.tha.th.spo.exchang.rat.o.th.Singapor.dolla.i.$0.70..Th.one-yea.interes.rat.i.1.percen.i.th.Unite.State.a n..percen.i.Singapore..Wha.wil.th.spo.rat.b.i.on.yea.accordin.t.th.IFE?.(5%)ANSWER: according to the IFE,St+1/St=(1+Rh)/(1+Rf)$.70 × (1 + .04) = $0.7284.Assum.tha.XY.Co.ha.ne.receivable.o.100,00.Singapor.dollar.i.9.days..Th.spo.rat.o.th.S.i.$0.50.an.th.Singap or.interes.rat.i.2.ove.9.days..Sugges.ho.th.U.S.fir.coul.implemen..mone.marke.hedge..B.precis. .(10%)ANSWER: The firm could borrow the amount of Singapore dollars so that the 100,000 Singapore dollars to be received could be used to pay off the loan. This amounts to (100,000/1.02) = about S$98,039, which could be converted to about $49,020 and invested. The borrowing of Singapore dollars has offset the transaction exposure due to the future receivables in Singapore dollars.pan.ordere..Jagua.sedan.I..month..i.wil.pa.£30,00.fo.th.car.I.worrie.tha.poun.ster1in.migh.ris.sharpl.fro.th.curren.rate($1.90)pan.bough...mont.poun.cal.(suppose.contrac.siz..£35,000.wit..strik.pric.o.$1.9.fo..premiu.o.2..cents/£.(1)Is hedging in the options market better if the £ rose to $1.92 in 6 months?(2)what did the exchange rate have to be for the company to break even?（15%）Solution:(1)I.th..ros.t.$pan.woul. exercis.th.poun.cal.option.Th.su.o.th.strik.pric.an.premiu..i.$1.90 + $0.023 = $1.9230/£Thi.i.bigge.tha.$1.92.So hedging in the options market is not better.(2.whe.w.sa.th. compan.ca.brea.even.w.mea.tha.hedgin.o.no.hedgin.doesn’. matter.An.onl.whe.(strik.pric..premiu.).th.exchang.rat.,hedging or not doesn’t matter.So, the exchange rate =$1.923/£.6.Discus.th.advantage.an.disadvantage.o.fixe.exchang.rat.system.(15%)textbook page50 答案以教材第50 页为准PART Ⅳ: Diagram(10%)Th.strik.pric.fo..cal.i.$1.67/£.Th.premiu.quote.a.th.Exchang.i.$0.022.pe.Britis.pound.Diagram the profit and loss potential, and the break-even price for this call optionSolution:Following diagram shows the profit and loss potential, and the break-even price of this put option:PART Ⅴa) b) Calculate the expected value of the hedge.c) How could you replicate this hedge in the money market?Yo.ar.expectin.revenue.o.Y100,00.i.on.mont.tha.yo.wil.nee.t.cover.t.dollars.Yo.coul.hedg.thi.i.forwar.market.b.takin.lon.position.i.U.dollar.(shor.position.i.Japanes.Yen).B.lockin.i.you.pric.a.$..Y105.you.dolla.revenue.ar.guarantee.t.b.Y100,000/ 105 = $952You could replicate this hedge by using the following:a) Borrow in Japanb) Convert the Yen to dollarsc) Invest the dollars in the USd) Pay back the loan when you receive the Y100,000。

金融知识点总结英语

金融知识点总结英语IntroductionFinancial knowledge is essential for everyone, regardless of their occupation or life stage. Understanding financial concepts, managing personal finances, and making informed investment decisions are crucial for financial well-being. In this summary, we will discuss various financial knowledge points, including personal finance management, investment options, and economic principles.Personal Finance Management1. BudgetingBudgeting is the foundation of personal finance management. It involves creating a plan for how to spend and save money. A budget helps individuals track their income, expenses, and savings goals. It also enables them to prioritize spending and allocate funds to different categories, such as housing, transportation, food, and entertainment.2. SavingsSaving money is crucial for financial security and future planning. Setting aside a portion of income for emergency funds, retirement, or major expenses is essential. Individuals should strive to maintain an emergency fund equivalent to at least three to six months of living expenses. Additionally, contributing to retirement accounts, such as 401(k) or individual retirement accounts (IRAs), allows for long-term savings and investment growth.3. Debt ManagementManaging debt is a significant aspect of personal finance. High-interest debt, such as credit card balances, can become a financial burden if not carefully managed. Individuals should prioritize paying off high-interest debt and consider consolidating or refinancing loans to lower interest rates. Creating a plan to reduce debt and avoid accruing new debt is essential for long-term financial health.4. InsuranceInsurance is a risk management tool that provides financial protection against unforeseen events, such as illness, accidents, or property damage. Health insurance, life insurance, disability insurance, and property insurance are essential for protecting against financial losses. Understanding different insurance options and choosing appropriate coverage is crucial for mitigating risks.Investment Options1. StocksStocks represent ownership in a company and offer potential for capital appreciation and dividend income. Investing in individual stocks requires thorough research and analysis of the company's financial performance, industry trends, and market conditions. It is essential to consider the level of risk and volatility associated with stock investments.2. BondsBonds are debt securities issued by governments, municipalities, or corporations to raise capital. They offer fixed interest payments and return of principal at maturity. Bonds provide stability and income generation in an investment portfolio. Understanding bond characteristics, credit ratings, and interest rate risk is crucial for bond investors.3. Mutual FundsMutual funds pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities. They offer professional management, diversification, and liquidity. Investors should consider the fund's objective, fees, historical performance, and risk profile before investing in mutual funds.4. Real EstateReal estate investment involves purchasing properties for rental income or capital appreciation. It offers potential tax benefits, inflation protection, and cash flow. Understanding real estate market dynamics, property management, and financing options is essential for successful real estate investing.Economic Principles1. Supply and DemandThe principles of supply and demand drive market dynamics. Understanding how supply and demand interact influences investment decisions. A balance between supply and demand affects prices, profitability, and market equilibrium.2. Inflation and DeflationInflation refers to the general increase in prices of goods and services over time, resulting in a decrease in purchasing power. Deflation, on the other hand, is the decrease in prices, leading to an increase in purchasing power. Understanding the impact of inflation and deflation on investments and purchasing power is crucial for financial planning.3. Interest RatesInterest rates affect borrowing costs, investment returns, and economic growth. Central banks use interest rates to influence the economy's direction. Understanding the relationship between interest rates, inflation, and economic conditions helps individuals make informed financial decisions.ConclusionFinancial knowledge is a valuable asset that empowers individuals to make informed decisions about personal finance and investments. By understanding budgeting, savings, debt management, insurance, investment options, and economic principles, individuals can enhance their financial well-being and work towards their long-term financialgoals.Continuous learning and staying informed about financial matters are essential for adapting to changing economic conditions and achieving financial success.。

金融英语考试试题及答案

金融英语考试试题及答案金融英语是金融领域中不可或缺的一部分，对于从事金融行业的人士来说，掌握金融英语的知识非常重要。

为了帮助大家更好地备考金融英语考试，本文将为大家提供一些常见的金融英语考试试题及答案。

一、选择题1. What is the meaning of IPO?a) Initial Public Offeringb) International Purchase Orderc) Investment Portfolio Optimizationd) International Partnership Organization答案：a) Initial Public Offering2. What does the term "capital market" refer to?a) The market for physical capitalb) The market for financial assets with a maturity of less than a yearc) The market for financial assets with a maturity of more than a yeard) The market for real estate properties答案：c) The market for financial assets with a maturity of more than a year3. Which of the following is an example of a derivative?a) Stockb) Bondc) Optiond) Certificate of Deposit答案：c) Option4. What is the opposite of a deficit?a) Surplusb) Debtc) Liabilityd) Equity答案：a) Surplus5. What is the term for a loan that is secured by collateral?a) Unsecured loanb) Subordinated loanc) Secured loand) Revolving loan答案：c) Secured loan二、填空题1. The study of how individuals and institutions make financial decisions and how these decisions affect the allocation of resources is known as__________.答案：finance2. When a company issues shares for the first time and offers them to the public, it is called an ____________.答案：IPO (Initial Public Offering)3. The interest rate that a commercial bank charges its most creditworthy customers is known as the _________.答案：prime rate4. A financial instrument that represents ownership in a corporation is called a ___________.答案：stock5. The basic economic problem of having seemingly unlimited human wants in a world of limited resources is known as ________.答案：scarcity三、解答题1. Explain the concept of time value of money.答案：The time value of money refers to the idea that a dollar today is worth more than a dollar in the future. This is because money can be invested and earn interest over time. Therefore, receiving a dollar today ismore desirable than receiving the same amount in the future. The time value of money is an important concept in finance and is used to calculate the present value of future cash flows.2. What are the main functions of a central bank?答案：The main functions of a central bank include:- Monetary policy: Central banks are responsible for formulating and implementing monetary policy to control the money supply and interest rates in an economy. This is done to achieve specific macroeconomic objectives, such as price stability and economic growth.- Banker to the government: Central banks act as the government's bank and provide services such as managing the government's accounts, issuing government securities, and acting as a lender of last resort.- Banker to commercial banks: Central banks also provide banking services to commercial banks, including maintaining accounts, providing short-term loans, and overseeing the stability of the banking system.- Currency issuance: Central banks are responsible for issuing and circulating the national currency.- Financial stability: Central banks play a crucial role in maintaining financial stability and monitoring risks in the banking system.总结：本文为大家提供了一些常见的金融英语考试试题及答案。

金融英语期末重点总结

金融英语期末重点总结一、基本概念与词汇1. 资产管理：Asset Management，是指对投资者个人或机构的资金进行管理和投资的活动。

2. 负债：Liability，指一个人或机构所欠他人或其他组织的货币、商品或服务等。

3. 存款：Deposit，指将货币存入银行或其他金融机构的行为。

4. 贷款：Loan，指个人或企业从银行或其他金融机构获得的资金，并按约定的利率和条件偿还。

5. 利率：Interest Rate，是指借贷资金的价格。

通常以百分比形式表示，用于衡量借贷资金的成本或回报。

6. 风险：Risk，指在投资或经营过程中遭受亏损的可能性。

7. 股票：Stock，指公司以吸引投资者的方式发行的所有权证明，股权的一部分。

8. 债券：Bond，是指债务人（发行债券的公司或政府）向债权人（购买债券的投资者）借款的债权凭证。

9. 股息：Dividend，是指上市公司向股东分配的盈利的一部分。

10. 保险：Insurance，是指保险公司架起的经济保护的桥梁，将风险分散到各个投保人，以减轻其负担。

二、金融市场与金融产品1. 证券市场：Securities Market，是指股票、债券等金融工具的交易市场。

2. 股票市场：Stock Market，是指股票的买卖市场。

主要分为一级市场和二级市场。

3. 债券市场：Bond Market，指债券的买卖市场。

分为一级市场和二级市场。

4. 期货市场：Futures Market，是指用来进行期货交易的场所。

5. 外汇市场：Foreign Exchange Market，是指用来交换不同国家货币的市场。

6. 金融衍生品：Financial Derivatives，是指与金融资产相关的衍生产品。

包括期权、期货、互换等。

7. 互联网金融：Internet Finance，是指利用互联网技术进行金融服务的新兴业态。

8. 数字货币：Digital Currency，是指用数字技术发行和流通的货币。

金融英语复习题（2）

金融英语复习题（2）词汇Capital adequacy ratio 资本充足率资本充足率是指资本总额与加权风险资产总额的比例。

资本充足率反映商业银行在存款人和债权人的资产遭到损失之前，该银行能以自有资本承担损失的程度。

规定该项指标的目的在于抑制风险资产的过度膨胀，保护存款人和其他债权人的利益、保证银行等金融机构正常运营和发展。

各国金融管理当局一般都有对商业银行资本充足率的管制，目的是监测银行抵御风险的能力信用违约互换(credit default swap，CDS)是国外债券市场中最常见的信用产品。

在信用违约互换交易中，其中希望规避信用风险的一方称为信用保护购买方，而另一方即愿意承担信用风险，向风险规避方提供信用保护的一方称为信用保护出售方，违约互换购买者将定期向违约互换出售者支付一定费用(称为信用违约互换点差)，而一旦出现信用类事件(主要指债券主体无法偿付)，违约互换购买者将有权利将债券以面值递送给违约互换出售者，从而有效规避信用风险。

由于信用违约互换产品定义简单、容易实现标准化，交易简洁，自90年代以来，该金融产品在国外发达金融市场得到了迅速发展。

Credit default swaps Moral hazard道德风险道德风险并不等同于道德败坏。

道德风险是80年代西方经济学家提出的一个经济哲学范畴的概念，即“从事经济活动的人在最大限度地增进自身效用的同时做出不利于他人的行动。

”或者说是：当签约一方不完全承担风险后果时所采取的自身效用最大化的自私行为。

道德风险亦称道德危机Securities underwriting 证券承销，是证券经营机构代理证券发行人发行证券的行为。

它是证券经营机构最基础的业务活动之一。

Bought deal 先买式交易（包销）指证券承销商对发行人发行的股票、债券或其他有价证券全部或部分买入，再销售给其他投资者的行为Money multiplier 货币乘数是指在基础货币(高能货币)基础上货币供给量通过商业银行的创造存款货币功能产生派生存款的作用产生的信用扩张倍数，是货币供给扩张的倍数。

英语试卷金融专业

Ⅰ. translations（每小题2分，共30分）1. central bank2. payment and settlement services3. invite bid4. market maker5. IOU6. derivative investments7. gold exchange standard8. fiat money 9. letters of credit 10.cash position11.国际收支 2.改革开放13.软贷款14.货币替代15.浮动利率贷款1.中央银行2.支付清算服务3.招标4.做市商5.欠条6.衍生工具7.金汇兑本位制8.法币9.信用证10.现金头寸11.balance of payment 12.reform and opening-up 13.soft loan 14.currency substitution 15.floating rate lendingⅡ.Multiple choices.(每小题2分，共10分)1.The price in the foreign exchange market is called __B____.A. the trade surplusB. the exchange rateC. the money priceD. the currency rate2. Which of the following statements is not true of central banks? _D____A. They pay the government's salariesB. They always undertake the regulation of the banking systemC. They are always the lender of last resortD. None of the above3. The main liability on a bank balance sheet is _A____.A. depositsB. capital and reservesC. loans and overdraftsD. cash4. Market risk refers to the risk of__A_.A. financial prices fluctuationsB. defaultC. fraudD. deferred payments5. A refers to refuse to discharge a debt or an obligation.A. debt defaultB. debt reschedulingC. debtorD. creditⅢ.Read the following passages and choose the one best answer to each of the questions.（每小题2分，共20分）Passage oneNorth China’s Tianjin Municipality(直辖市) has started a ―Blue Sky Project‖ to control the air pollution. Under the project requirements, the air quality in Tianjin is expected to measure up to the national standard by 2007, when two thirds of days in the year will enjoy fairly good or excellent air quality. In order to achieve the goal, Tianjin will take a series of measures such as controlling the use of coal, reducing the dust floating from construction sites, planting trees along the major streets, and replacing petrol with liquid natural gas as the fuel for vehicles. Since people paid little attention to the environmental protection, the air quality in Tianjin has worsened during the past decade. The project has received wide praise and support from the natives. The newly-discovered ―Great Wall‖ in south China’s Hunan ProvincNE-HEe will open to visitors in the near future. ―We will try to make it an internationally famous attraction for tourists, ‖ said Y uan Xinhua, director of the Hunan Provincial Tourism Administration. The main part of the 190-km ―Southern China Great Wall‖ is located in Fenghuang County in western Hunan. Built during the Ming Dynasty(1368—1644)by the local Miao minority people, the Southern China Great Wall is 2.3 m high and 1.7 m wide.The Chinese have been enjoying themselves by sightseeing or traveling during the Spring Festival this year rather than engaging in the traditional gathering of relatives and friends at home. In the past five days, over 200 000 Beijingers spent the one-week Spring Festival holiday shopping in Tianjin. Low prices of consumer goods and the convenient railway service enable Beijingers to visit the neighboring city during the day. Meanwhile unlike previous years, an increasing number of Tianjiners went to Beijing during the Spring Festival to visit places of interest in the capital. Tourism had been heating up in the last few years. An increase in income and longer holidays have made it possible for Chinese to relax after a year of work.1. If ―Blue Sky Project‖ is completed __B___.A. there will be no air pollution in TianjinB. the natives can enjoy good air quality most of the yearC. liquid natural gas will have taken the place of coal and petroD. people will pay less attention to environmental protection2. According to Mr. Yuan from Hunan, the opening of the Southern China Great Wall is a good way to __D__.A. rebuild the wallB. help local Miao minority peopleC. discover the historyD. arouse foreigners’ interest3. The Chinese would like to go sightseeing or travel during the Spring Festival this year mainly because _D____.A. prices are higher in their native placesB. railway service is getting better and betterC. they are tired of meeting relatives and friends at homeD. they have longer holidays and more money4.what does this article mainly talk about? CA. environmental problems solved by governmentsB. changes in Chinese traveling conceptC. some local governmental construction projectsD. relation of environment and tourism5. According to the author, what is the main function of ―Blue Sky Project‖? AA. to improve environmentB. to make people take more attention on environmentC. to stimulate tourismD. to spend the one-week Spring Festival holiday shopping in TianjinPassage TwoWhat determines the rate of exchange between currencies will be examined later in this booklet, but first it is useful to consider the mechanics of international transactions. To enable a UK importer to pay his American supplier, for example, the facilities of two or more banks are used, firstly in handling the often complex documentation and secondly, through the foreign exchange market, in obtaining the currency required. At one time payments to and from other countries were made by bills of exchange ; hence in part the term ‖exchange rate‖, which was maintained even though other methods of payment have largely superseded the bill of exchange. The British importer will probably need to pay his American supplier in dollars and his British bank can offer him several alternative methods of settlement. It can provide him with a banker’s draft drawn in dollars. The bank is able to do this because it will have an account with another bank (called a correspondent bank) in an American city and it simply issues a dollar cheque or draft drawn on that account. The British importer can then send this draft by airmail to the supplier.Since there is a danger that the draft may be lost or fall into the wrong hands, the safer and more normal method would be for the British bank to arrange for payment by mail transfer. Instructions are sent by airmail to the correspondent bank in the British bank’s dollar account. This mail transfer system is very flexible since the instructions for payment can be varied or elaborated to suit practically every kind of requirement.6. How many methods of settlement are mentioned in this passage when the British importer needs dollar to pay his American supplier? BA. TwoB. ThreeC. OneD. Several7. Why is the British bank able to offer its customer a banker’s draft drawn in dollar? CA. Its US correspondent bank prefers to make the payment.B. It will send dollar in cash by airmailC. It has a dollar account with another bank in an American city where the beneficiary lives.D. Its customer has a dollar account with it.8. What will the correspondent bank do in the settlement according to this passage? AA. It will make payment in dollars against the banker’s draft.B. It will send the draft to the bank in Britain.C. It will issue a documentary credit.D. It will have an agreement with the bank mentioned.9. What is the safer and more normal method for the importer’s bank to effect the settlement? BA. To issue a banker’s draft.B. To arrange for payment by mail transfer.C. To make the payment to its correspondent bank.D. To ask the importer to pay the money on his dollar account.10. Who is the ―recipient‖ in the settlement? DA. the correspondent bankB. the British bankC. the British importerD. the American supplierⅣ. Answer questions.（每小题10分，共20分）1．what are the basic functions of the PBC according to the central bank law? And please list three or more particular functions.2. What is money? And what are functions of money?Ⅳ. answer some questions.（每小题10分，共20分）1. The central bank law provides that PBC’s basic functions are to conduct monetary policy and supervise the financial system under the leadership of the State Council. For example, it shall formulate and implement monetary policy; issue Renminbi and regulate its circulation; act as fiscal agent, etc.2. Money is any commodity or token that is generally acceptable as a means of payment for goods and services. Money has four functions: medium of exchange; unit of account; store of value; standard of deferred payment. Ⅴ.Translations.(本题共5小题，共20分)1．Under the all-in-one monopolistic banking system,which lasted until 1978, PBC engaged in both central banking and commercial banking operations.2. Many companies are suppliers to borrowers in group-financed projects, and these borrowers spend billions of dollars each year buying goods and services from businesses.3.As well as claims there are also derivative instruments-contracts relating to the prices of securities, interest rates or foreign exchange rates at some date in the future.4. Another reason foreigners accepted so many US dollars was that these dollars provided liquidity to support world trade and investment, which grew rapidly in the post-world war Ⅱ.5. Most important among these changes was that the supply and composition of international liquidity became endogenously determined, that is, the international monetary system was based on a fiat system and departed from a commodity standard.Ⅴ.Translate the English into Chinese.(每小题4分，共20分)1.我国商业银行基本上是“大一统”的垄断体制，中国人民银行既行驶中央银行的职能，又办理商业银行业务。

金融专业英语---总结

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Topics
Lecture 4. What is money? Definition and functions of Money 货币的含义和功能 Evolution of the Payments System货币体系的演变 How money is currently measured 货币的计量方式
金融专业语
Revision (总结）
Topics (revised)
Lecture 1. Finance foundations Lecture 2. Functions of financial markets Lecture 3. Financial institutions and the financial system in China Lecture 4. What is money? Lecture 5.Interest rate Lecture 6. Central bank and Tools of monetary policy Lecture 7. Banking and Management of financial institutions Lecture 8. Financial crisis
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Topics
Lecture 8. Financial crisis Definition of financial crisis.“金融危机”的含义 Global financial crisis of 2007-2009. 全球金融危机
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About the exam
开卷&120分钟&仅可以带教材、课件、计算器
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Topics
Lecture 7. Banking and Management of Financial Institutions Features of a bank balance sheet.银行资产负债表的特征 Approaches in which banks can manage their assets and liabilities to maximize profit. 银行管理资产和负债的途径

2024年金融市场基础考题与解答英文版

2024年金融市场基础考题与解答英文版2024 Financial Markets Fundamentals Exam Questions and AnswersIn the financial markets fundamentals exam for 2024, students can expect a range of questions covering various aspects of finance. Here are some sample questions along with their answers:1. What is the role of central banks in the financial markets?- Central banks play a crucial role in the financial markets by regulating the money supply, setting interest rates, and maintaining financial stability.2. Explain the concept of diversification in investment portfolios.- Diversification involves spreading investments across different asset classes to reduce risk exposure and enhance potential returns.3. How do interest rates impact the financial markets?- Changes in interest rates can influence borrowing costs, investment decisions, and overall market sentiment.4. What are the key differences between stocks and bonds?- Stocks represent ownership in a company, while bonds are debt instruments issued by corporations or governments.5. Discuss the impact of inflation on the financial markets.- Inflation erodes purchasing power, leading to higher interest rates and potentially affecting investment returns.6. What is the role of regulatory bodies in overseeing financial markets?- Regulatory bodies enforce rules and regulations to ensure transparency, fairness, and investor protection in the financial markets.7. How do economic indicators such as GDP and unemployment rates affect market trends?- Economic indicators provide insights into the health of the economy, influencing investor confidence and market performance.8. Explain the concept of risk management in financial markets.- Risk management involves identifying, assessing, and mitigating potential risks to protect investments and achieve financial goals.9. Discuss the impact of technological advancements on financial markets.- Technology has revolutionized trading practices, market access, and information dissemination, shaping the future of finance.10. What are the implications of global events on international financial markets?- Global events such as geopolitical tensions, economic crises, and natural disasters can trigger volatility and uncertainty in international markets.By understanding these fundamental concepts and practicing with sample questions, students can prepare effectively for the 2024 financial markets exam. Good luck!。

金融学专业专业英语

金融学专业专业英语一．专业词汇（150个）1. active securities热头股票2. corporate bonds公司债券3．retained earnings 未分配盈利4．time horizon投资期5.currency swap 货币掉期6.additional insurance 附加保险7.amount in words大写金额8.beneficiary payee受款人9.trade deficit 贸易逆差10. maximum limit of overdraft 透支额度11.bonds 债券，债票12.bonus share 红股13.discount rate 折扣率；贴现率mercial loan 商业贷款15.default fine 违约罚金16.across the board 全盘的17.bubble economy 泡沫经济18.bull market 牛市19.dividend 股息;分红20.active capital 活动资本21.savings accounts 储蓄存款帐户22.credit balance 贷方余额23.loan amount 贷款额24.cheque drawer 支票出票人25.credit cards 信用卡26.credit agreement 信贷协定27.reserve ratio 存款准备金比率28.issue bank 发行银行29.savings deposit 储蓄存款30.fixed deposit (=time deposit) 定期存款31.demand-deposit or checking-accounts 活期存款32. cash register 现金登记机，现金收入记录机，收银机33. dual trading 双重交易34. dumping 抛售35. financial world 金融界36. financial transaction 金融业务37.financial statement analysis 财务报表分析38. financial risk 金融风险39. financial lease 金融租赁40. electronic debts 电子借贷41.fundamental insurance 基本险42. future 期货43.futures commission merchants 期货经纪公司44.futures contract 期货合约45.futures delivery 期货交割46.futures margin 期货保证金47.futures market 期货市场48.futures price 期货价格49.futures transaction 期货交易50. cash receipts (CR) 现金收入51. cash receipts journal 现金收入日记帐52.cash records 现金记录53.cash ratio 现金比率54. draw 提款55. draw cheque 签发票据56. easy credit 放松信贷57.online-finance 在线金融58.online client （银行的）网上客户59.paper profit 帐面收益60.physical assets 有形资产61.project fund system 项目资本金制度62.share(stock) option 期权，股票认购权63. money-market 短期资本市场64. switch trade 转手贸易65. virtual bank 虚拟银行66. pension fund 养老基金67. venture-capital 风险资本ernment bond 政府债券69. shareholder 股东70. cook the book 做假帐71.regulatory system 监管体系72. audit 审计73. accounting firm 会计事务所74.Great Depression 大萧条75. recapitalize 资产重组76. automatic transfers between accounts 自动转帐77. balance 结余，差额，平衡78.bank balance 存款余额79.insurance contract 保險契約，保險合同80.insurance salesman 保險外勤81.insurance services 保險業務82.insure against fire 保火險83.appointed bank 外汇指定银行84.appreciation of exchange rate 汇率升值85.arbitrage 套利86.arbitrage of exchange 套汇87.arbitrage opportunity 套价机会88.arbitrage risks 套汇风险89.aftermarket 次级市场90.Interbank market 银行同业市场91.interest rate futures contract 利率期货合约92.interest rate policy 利率政策93.interest rate position 利率头寸94.interest rate risk 利率风险95.interest restriction 利息限制96.interest subsidy 利息补贴97.Industry and Commercial Bank 工商银行98.Swiss Bank Corporation 瑞士银行99.Standard Chartered bank 渣打银行100.Agricultural Bank of China 农业银行101.National City Bank of New York 花旗银行102.Hong Kong and Shanghai Banking Corp 汇丰银行103.foreign exchange crisis 外汇危机104.foreign exchange cushion 外汇缓冲105.foreign exchange dumping 外汇倾销106.foreign exchange earnings 外汇收入107.foreign exchange liabilities 外汇负债108.foreign exchange loans 外汇贷款109.foreign exchange parity 外汇平价110.foreign exchange quotations 外汇行情111.foreign exchange regulations 外汇条例112.foreign exchange reserves 外汇储备113.foreign exchange restrictions 外汇限制114.income in kind 实物所得115.income tax liabilities 所得稅債務116.income taxes 所得稅117.indemnity 賠償，補償118.indirect arbitrage 間接套匯119.insurance broker 保險經紀人120.insured 被保險人121.reserve 储备122.note 票据123.discount贴现124.circulate流通125.central bank 中央银行126.credit union 信用合作社127.paper currency 纸币128.credit creation 信用创造129.branch banking 银行分行制130.out of circulation 退出流通131.capital stock股本132.the gold standard金本位133.deficit 亏损134.default不履约135.auction拍卖136.collateralize担保137.markup价格的涨幅138.dealer交易员139.broker经纪人140.face amount面值141.floating-rate 浮动比率142.premium升水143.discount贴水144.deficit赤字145. funds statement 资金表146.capital movements资本流动147.foreign exchange dealings外汇交易148.balance of payment国际收支149.forward rate远期汇率150.cross rate交叉汇率二、专业英语句子翻译（20句）：1.The more profitable the company is, the easier to raise funds for the buyout.公司越有投资价值，越容易筹款收购。

银行金融英语试题及答案

银行金融英语试题及答案一、单选题（每题2分，共20分）1. The term "NPL" in banking refers to:A. Non-Performing LoanB. Non-Profit LoanC. New Product LaunchD. National Payment License答案：A2. Which of the following is not a function of a central bank?A. Issuing currencyB. Regulating monetary policyC. Providing financial services to individualsD. Acting as a lender of last resort答案：C3. The process of converting a company's assets into cash is known as:A. LiquidationB. CapitalizationC. ConsolidationD. Diversification答案：A4. In finance, the term "leverage" refers to:A. The use of borrowed funds to increase potential returnsB. The process of reducing debtC. The ratio of assets to liabilitiesD. The ability to influence market prices答案：A5. What is the term used to describe a situation where a bank's assets are insufficient to cover its liabilities?A. InsolvencyB. BankruptcyC. OverdraftD. Default答案：A6. The risk associated with the possibility that a borrower will default on a loan is known as:A. Credit riskB. Market riskC. Liquidity riskD. Operational risk答案：A7. Which of the following is not a type of financial derivative?A. FuturesB. OptionsC. StocksD. Swaps答案：C8. The process of evaluating a company's financial stability and creditworthiness is called:A. Due diligenceB. Financial analysisC. Credit assessmentD. Risk management答案：C9. What is the term used for the practice of lending money toa borrower with a high risk of defaulting?A. Subprime lendingB. Prime lendingC. Secured lendingD. Unsecured lending答案：A10. In banking, the term "LIBOR" stands for:A. London Interbank Borrowing RateB. London International Banking OrganizationC. London International Bankers' RateD. London Interbank Offered Rate答案：D二、填空题（每题2分，共20分）1. The _______ is the rate at which banks lend to each other overnight.答案：LIBOR2. A _______ is a financial instrument that represents ownership in a company.答案：share3. The _______ is the process of evaluating the creditworthiness of a borrower.答案：credit check4. A _______ is a type of financial institution that provides banking services to individuals and businesses.答案：bank5. The _______ is the central bank of the United States.答案：Federal Reserve6. A _______ is a financial instrument that represents a debt owed by one party to another.答案：bond7. The _______ is the process of converting assets into cash. 答案：liquidation8. A _______ is a financial institution that specializes in providing loans to individuals and businesses.答案：credit union9. The _______ is the risk associated with the possibility that a borrower will default on a loan.答案：credit risk10. A _______ is a type of financial derivative that allows the holder to buy or sell an asset at a specified price.答案：option三、简答题（每题10分，共40分）1. What is the role of a central bank in an economy?答案：A central bank plays a crucial role in an economy by implementing monetary policy, managing the money supply,maintaining financial stability, and acting as a lender oflast resort to the banking system.2. Explain the concept of "leverage" in finance.答案：Leverage in finance refers to the use of borrowed funds to increase the potential return on an investment. Itamplifies both potential gains and losses, as it allows investors to control a larger amount of assets with a smaller amount of their own capital.3. What are the main types of financial risks that banks face? 答案：Banks face various financial risks, including credit risk, market risk, liquidity risk, operational risk, and interest rate risk. Each type of risk represents a different potential threat to the bank's financial stability and profitability.4. Describe the process of a bank's loan approval.答案：The loan approval process typically involves a borrower applying for a loan, the bank conducting a credit assessmentto evaluate the borrower's creditworthiness, the bankdeciding whether to approve the loan based on the assessment, and if approved, the bank disbursing the funds to the borrower. The process may also include collateral evaluation, interest rate determination, and loan term negotiations.。

【工作总结范文精选】金融专业英语证书考试常用金融词汇总结word版可编辑

金融专业英语证书考试常用金融词汇总结account number 帐目编号depositor 存户pay-in slip 存款单a deposit form 存款单a banding machine 自动存取机to deposit 存款deposit receipt 存款收据private deposits 私人存款certificate of deposit 存单deposit book, passbook 存折credit card 信用卡principal 本金overdraft, overdraw 透支to counter sign 双签to endorse 背书endorser 背书人to cash 兑现to honor a cheque 兑付to dishonor a cheque 拒付to suspend payment 止付cheque,check 支票cheque book 支票本order cheque 记名支票bearer cheque 不记名支票crossed cheque 横线支票blank cheque 空白支票rubber cheque 空头支票cheque stub, counterfoil 票根cash cheque 现金支票traveler s cheque 旅行支票cheque for transfer 转帐支票outstanding cheque 未付支票canceled cheque 已付支票forged cheque 伪支票Bandar s note 庄票，银票balance sheet 资产负债表cash flow 现金流转glossary 术语表money order 汇款单，汇票letter of credit n.(银行发行的)信用证charge for 想...收费overdraw v.透支。

金融专业英语复习重点

Question for Chapter 1 & 21.What’s the specialty of Treasury Securities?●Low risk●High liquidity.2.What’s the specialty of Money Market?●They are usually sold in large denominations;●The have low default risk;●They mature in one year or less from their original issue date. Most money marketinstruments mature in less than 120 days.3.Who are the participants of money market?●The government;●The Central Bank●Commercial Banks●Businesses●Investment Companies●Insurance Companies4.What market does international financial market include?They include Foreign exchange market, money market, capital market and gold market.5.What does international financial transaction include?It includes Purchases and sales of foreign currency, securities, gold bullion , an lending and borrowing.6.What does financial intermediary mean? Give 2 examples.Financial intermediary means financial service agent, such as Bank, credit union etc.7.What does foreign exchange influenced by?It is influenced by economic and political circumstances of the currencies of the relative countries.8.How to eliminate foreign exchange risk?The risk can be eliminated through forward transactions and foreign currency futures.9.What’s the difference between primary market and secondary market?Primary market: initial issue of bond / stockSecondary market: subsequent trading of bond / stock.10.What’s the difference between money market and capital market?Money market: short term debt instruments (maturity of less than one year) are traded;Capital market: long-term debt and equity instruments (maturity of one year of longer) are traded.11.Which methods could be used to balance the international payment deficit?●Import restriction;●Export promotion●Tighten monetary policy●Tighten fiscal policy●devaluation12.What are risky securities?Stock (shares) and corporate bonds. 3 products traded in Money market.●Treasury bills;●Inter-bank markets;●Commercial paper;●Negotiable certificates of deposit●Banker’s acceptance(any three of above will do) 2 words have similar meaning to characteristics.Specialty, mark, state, condition (any 2 of them will do)15.What’s the other word for “Borrower” and “Lender”?Borrower – debtorLender – Creditor16.What does “significance” mean? Defination17.What does APEC stand for?Asia-Pacific Economic Cooperation18.What’s the word has similar meaning as “mergers”?acquisitions19.What are the 3 functions of Central Bank?●Banker to the government;●Banker to the commercial banks;●Lender of last resort.20.What are the 3 steps for central Bank to turn its direct macro-economic control system into indirect control system?●Replaced the credit line system with the asset-liability management system from the 1stof January;●To reform the reserve requirement policy;●The central bank has reduced interest rates 3 times this year to regulate the macroeconomy.21.What’s Chinese central bank?The People’s Bank of China22.What does “par’ mean?It means face value.23.What does “yield” mean?It means return.24.Which two forms are there of inflation?●Demand-full inflation;●Cost-push inflation25.What does market risk include?●Exchange rate risk●Interest rate riskQuestion for Chapter 3 & 41.Who are primary issuers of capital market securities?P33●Governments and●corporations.2.Which interest rate is higher between long term and short term interest rate? WhyP33Long term interest rates are higher than short-term rates due to risk premiums. ernment can issue both stocks and bonds in the capital market. This statement is T/F?P33False. Governments never issue stocks. 2 ways that Corporation can finance its growth.P33●Debt●equity5.Capital market trading occurs only in the Secondary market. It is T/F?P34False. The trading occurs in both primary and secondary market.6.What’s the different between government notes & bonds?P34●notes have an original maturity of 1 to 10 years●bonds have an original maturity of 10 to 30 years.7.Corporate Bonds with high credit rating has lower interest rate, and vice versa. It is T/F?P35True. 2 ways that the investors earn returns from the shares.P35●Share price rise over time.●Dividend received from the company.9.Shareholders (Stockholders) have a lower priority than bondholders when the company is in trouble. It is T/F?P35True.10.What are the 2 marked Foreign Exchange rate method?P71●Direct method●Indirect method11.For direct foreign exchange rate method, the maxim is “buy high, sell low”, for indirect rates, the maxim is “buy low, sell high”. It is T/F?P50False.12.The system a foreign exchange dealer use is called SWIFT. It is T/F?P52False. It is called Reuters dealing system. 2 forms of foreign exchange conversion.P51●Spot transaction●Forward operation.14.What do financial derivatives include?P53-57●Spot transaction●Forward operations●Swaps●Futures●Currency and interest rate options15.Foreign exchange forward operation price in practice is higher than the spot price. It’s T/F?P54False. Foreign exchange forward operation price in practice is either higher or lower than the spot price16.Swaps contain 2 separable contract-deals. It’s T/F?P55False. Swaps contain 2 simultaneous inseparable contract-deals. It means the contract contains:●Buy and sell at the same time.●Contracts amount are the same.●Different maturity date, i.e. first for spot delivery, and the second for future delivery.17.Futures are forward transactions. Future contracts are customer made. It’s T/F?P56False. Future contracts are standardized in terms of quantity, settlement dates and quotation.18.What are the products traded on Future market?P56Commodity futures and financial futures.Commodity futures including:●Good●MetalsFinancial futures including:●Stocks●Interest rates●Currencies●Stock indexes19.What are the reasons caused the Asian Financial Crisis.P69●Huge deficit in current account●Inappropriate foreign investment policy●Excessive dependence on foreign loans especially short-term loans●Inappropriate foreign exchange policy●Excessive opening up of financial market●Imbalance of economic structure20.Central Bank is usually authorized to act as buying and selling agents of the exchange control authority. It’s T/F?P59False. It’s commercial banks.Question for Chapter 5 -81.What’s the relationship between commercial banks and customers?P81 Debtor-creditor relationship Principal-agent relationship2.What’s the intermediary services provided by commercial banks?P82 Settlement; trust service; Lease; Factoring.3.The Uniform Customs and Practices provide some basic principles: the autonomy of the documentary credit and the documentary credit deals with documents, not with goods. T/F?P87-88 true4.Under the Down or advance payment guarantees, the bank issues the guarantee in favour of buyer at the request of seller. T/F? P91 True5.Long-term commercial loans are often used to finance working capital needs. T/F？P95 False6.Give an example of off-balance sheet instruments.i.e. Finance Lease7.A buyer credit loan is usually arranged in support of a supply contract for capital goods and related service mainly from the country to provide loan. T/F?P96 T8.P91 – GuaranteesFor the 5 guarantees listed in the book, you need to know:The bank issues the bank guarantee at the request of____________, in favour of ________.9.What’s the difference between drafts and promissory notes?P98 Drafts: issued by seller, it is a payment orderPromissory notes: issued by buyer, it is a payment promise.9.ABC Company would like to sell their draft/promissory note to the bank. The face value of the draft/note is US$4m. If the cover rate is 80%, what’s the maximum funds ABC Company can borrow from the bank?P100 $3.20M10.A syndicated loan is negotiated between a group of borrowers and a single bank, but actually funded by several other banks. P102 FA syndicated loan is negotiated between a group of borrower and a single bank, but actuallyfunded by several other banks11.What’s the purpose of syndicated loan? P103To finance a major development, a project, a temporary imbalance of payments, a majorcapital investment program, a project cost over-run, acquisition of a company, short-termto long-term debt conversion, or rationalization of its schedule of long-term debtrepayment.12.The statements regarding ‘Forfaiting’: P98 - 99●Forfaiting provides a source of non-recourse finance through use of drafts, promissorynotes or other instruments representing sums due to the exporter.●Forfaiting provides an arrangement for larger sales being financed on a medium-termbasis.●Forfaiting banks require the institution to have a guarantee by an internationallyrecognized bank.●The most common currencies forfaiting deals are US dollars, Euros and Swiss francs.13.Under BOT, the vehicle company established specially by the sponsors carries out the construction and operations of the project. Who are the parties responsible for the finance of the BOT project?P105●The vehicle company;●sponsors14.What are investment banking activities?P149Securities underwriting, making a market in securities, and arranging mergers, acquisitions and restructuring.15.The regulatory framework for commercial bank and investment bank is the same.P151 f16.We use insurance to protect against the possibility of loss, usually financial loss. The fee we pay the insurance company for this purpose is called premium.P162 true17.Which risk that can be insured by insurance company?P161 pure risk18.Give 2 examples of debt securities:Government bond and corporation bond.19.Which securities represent the ownership of corporations?P183 Equity securities20.I nsurance is a way of managing risk and keeping things stay at its current situation?P1691 fInsurance is a way of managing risk and keeping things on the move.21.In china, the stock exchange is now in general non-profit-making legal entity.P186 T22.In securities trading, both spot trading and future trading are allowed.●P186 falseIn securities trading, only spot trading are allowed23.Preferred shares are somewhat like bonds. T/F?T24.Bond interest is paid first and then preferred dividends. T/F?T25.Preferred shareholders expect to receive dividends, they have no legal right to force the company to pay them. T/F?T26.Bond interest is paid before or after corporate income taxes is calculated?BEFORE27.Western countries usually use 5C loan credit appraisal method. What is 5C?P129It’s character, capacity, capital, collateral and conditions.28.The 5 loan grade is:Pass; Special mentioned; Substandard; Doubtful; Loss29.Underwriting securities means the investment banker promises to buy the securities and selling them to public. T/FT30.Principle of indemnity is usually contained in all insurance contracts for it is a legal base. T31.The payment methods commonly used by banks include mail transfer, demand draft and telegraphic transfer. T/F? T32.If there are more purchases than sales on it, which render its price up, it is called bull market, on the contrary, it is called bear market. T33.Financial markets facilitate the lending of funds from savers to those who wish to undertake investments. It is T/F? T34.Foreign bank notes are foreign exchange in the narrower sense. T/F?P51 F Foreign bank notes are not foreign exchange in the narrower sense35.Banks are prohibited from owning risky securities, such as stocks or corporate bonds. It is T/F?True.36.The purpose of insurance is to provide an opportunity for financial gain. T/FF37.Fundamentalists study the cause of market movement while technicians believe that the effect is all that they need to know. It is T/F? True.。