个人理财英语
金融英语单词
equilibrium theory 均衡理论mechanical models of the economy 机械经济模型macroeconomic management 宏观经济管理demand management 需求管理nationalization 国有化social security 社会保障unemployment benefit 失业救济counter-cyclical monetary and fiscal policies 反周期-货币与财政政策time lags 时滞Monetarism 货币学派trade unions 工会aggregate demand 总需求conventional wisdom 普遍流行观点Keynesianism 凯恩斯主义economic behavior 经济行为economic model 经济模式the principle of comparative advantage 比较优势法则the theory of income determination 收入决定论the circular flow model 循环流向图fiscal policy 财政政策merchant capitalism 商业资本主义Industrial Revolution 工业革命the Great Depression 大萧条imperfect competition 不完全竞争possibilities frontier （生产）可能性界限exchange rate 汇率checking account 经常账户支票账户savings and loan association 储蓄与贷款协会foreign exchange rate 外汇汇率junk bond crisis 垃圾债券危机bank failure 银行倒闭savings and loan crisis 储蓄贷款危机Federal Reserve System 联邦储备银行系统personal finance 个人理财business finance 公司财务international finance 国际金融public finance 公共财政risk of loss 亏损的风险medium of exchange 交换手段fiat money 法币legal tender 法定货币IOU 借据欠条business day 工作日electronic means of payment 电子支付手段debit cards 借记卡stored-value card 储值卡the gold standard(GS) 金本位制managed economies 管制经济Eastern Bolc 东方集团reserve/deposit ratio 准备金/存款比率lending facilities 贷款设施discount rate 贴现率a base rate 基准利率transitional economies 转型经济国家fixed exchange rate 固定汇率floating exchange rate 浮动汇率emerging economies 新型经济国家check-clearing system 支票结算系统payment system支付系统discount window 贴现窗口national economic stabilization 国民经济稳定financial disruption 财务混乱purchase power 购买力regional bank 美国设在联邦储备区的联邦储备银行commercial bank 商业银行excessive interference 过度干涉commercial paper 商业票据the Treasury Department 美国财政部balance sheet 资产负债表asset 资产liability 负债at par 与票面价值相等money reserve fund 货币准备金fractional reserve banking 部分准备金银行体系short-term loans 短期贷款self-liquidating 能把货物迅速变现的自行生息偿还的default 未履行任务或责任未按期付款拖欠interest rate spread 利差return on assets(ROA) 资产收益率return on equity(ROE)股东权益回报率highest-yielding loans 最高收益率贷款liquidity management 流动性管理financial intermediation 金融中介作用loan default 贷款违约liquidity risk 流动性风险fraud risk 诈骗风险loan monitoring 贷款监控loan collection贷款回收coupon rate 票面利率conditions of loan agreement贷款条款risk exposure风险暴露gap management缺口管理risk-controlled arbitrage套利U.S. Treasury securities美国长期联邦债券off-balance sheet资产负债表外immunization利率变动风险防范call market 短期拆借利率public welfare公共福利board of directors董事会public directors公共董事chief executive officer首席执行官listed security上市股票brokerage firms经纪公司audit committee审计委员会over-the-counter market柜台交易市场shares of common stock普通股股票preferred stock优先股tax-exempt securities免税有价证券municipal bond市政债券fixed-income securities固定收益债券reinsurance company再保险公司endowment policy养老保险European Economic Commission欧洲经济委员会monetary union货币联盟Maastricht Treaty马斯和李赫特条款a unit of account记账单位foreign exchange operations外汇业务equity capital权益资本public body公共机构funding mechanism筹资机构countervailing duty law反补贴税法general subsidy普遍性补贴a one-off measure一次性措施manufacturing cost savings对制造成本的节约the Committee on Subsidies and Countervailing Measures补贴与反补贴措施委员会like product同类产品a threshold value（生产影响的）下限价值ad valorem 照价按值material injury实质损害grace period宽限期positive evidence直接证据。
与个人预算理财有关的英语表达法
个人预算理财是每个人都需要关注和学习的重要课题。
在现代社会中，财富管理已经成为了人们生活中不可或缺的一部分。
而在国际交流中，掌握一些关于个人预算理财的英语表达法也显得尤为重要。
在这篇文章中，我们将系统地介绍一些与个人预算理财相关的英语表达法，包括预算制定、月度支出、储蓄计划等内容。
1. 预算制定让我们来看一下如何表达“预算”和“制定预算”这两个概念。
在英语中，“预算”可以用budget来表示，而“制定预算”则可以用develop a budget或者make a budget来表达。
我们可以说：- I need to develop a budget for next month.- Have you made a budget for your trip?2. 月度支出在个人预算理财中，了解自己的月度支出是非常重要的。
在英语中，我们可以用monthly expenses或者monthly spending来表达“月度支出”。
例如：- My monthly expenses have been increasing recently.- It's important to keep track of your monthly spending.3. 储蓄计划储蓄是个人财务管理中不可忽视的一环。
在英语中，“储蓄”可以用saving来表示，而“储蓄计划”则可以用savings plan来表达。
例如：- I have a savings plan to buy a new car next year.- It's wise to start a savings plan early in life.4. 收入管理除了支出管理，收入管理也是个人预算理财中需要重点关注的方面。
在英语中，“收入”可以用ie来表示，而“收入管理”则可以用ie management来表达。
例如：- Proper ie management is the key to financial stability.- I need to work on my ie management skills.5. 投资规划让我们来看一下与投资规划相关的英语表达法。
资金管理英语
资金管理英语全文共四篇示例，供读者参考第一篇示例：资金管理是指对一个组织或个人所拥有的资金进行有效管理和利用的过程。
在日常生活中，我们都会面临资金管理的挑战，如何更好地理解和运用资金管理英语将有助于我们更好地管理我们的资金。
下面就让我们一起来了解一些资金管理英语的常用词汇和短语。
1. Budgeting（预算）Budgeting是指在一个特定的时间期间内对收入和支出进行合理分配的过程。
在日常生活中，我们经常听到人们讨论自己的预算。
例如：- I need to make a budget for next month.（我需要为下个月制定一个预算。
）- Have you stuck to your budget this month?（这个月你有没有遵守预算？）2. Savings（储蓄）Savings是指个人或家庭留下来的未用于消费的资金。
在资金管理中，储蓄是一个重要的概念，可以帮助我们实现长期财务目标。
例如：- I try to save 20% of my income each month.（我每个月尽量存下20%的收入。
）- It's important to have an emergency savings fund.（拥有一个紧急储蓄基金很重要。
）5. Financial Planning（理财规划）Financial planning是指规划个人或组织未来财务活动的过程，通过合理规划我们可以更好地实现财务目标。
例如：- I need to create a financial plan for my retirement.（我需要为我的退休制定一个财务规划。
）- Financial planning can help me achieve my long-term financial goals.（理财规划可以帮助我实现长期的财务目标。
）以上是一些关于资金管理英语的常用词汇和短语，掌握这些词汇和短语将有助于我们更好地理解和运用资金管理知识。
理财的好处英语作文带翻译
Financial management is a crucial skill that everyone should possess, as it helps individuals to understand and control their financial situation, plan for the future, and achieve their financial goals. Here are some of the benefits of financial management:1. Control Over Finances: It allows individuals to have a clear picture of their income, expenses, assets, and liabilities. This control helps in making informed decisions about spending and saving.2. Budgeting: Effective financial management involves creating a budget that allocates funds for various needs and goals. This helps in living within ones means and avoiding overspending.3. Savings: By understanding where money is going, one can identify areas to cut back and save more. Savings can be used for emergencies, future investments, or to achieve personal financial goals.4. Debt Management: Proper financial management helps in reducing and managing debt. It involves understanding the terms of loans and credit, and making timely payments to avoid interest accumulation.5. Investment Opportunities: With a solid financial foundation, one can explore various investment opportunities that align with their risk tolerance and financial goals. This can lead to wealth creation over time.6. Retirement Planning: Financial management is essential for planning a comfortable retirement. It involves saving and investing in a way that ensures a steady income during retirement years.7. Financial Security: By managing finances well, individuals can achieve a sense of financial security, which reduces stress and allows for a more peaceful life.8. Education and Training: Financial management skills can be learned and improved over time. Continuous learning helps in adapting to changing economic conditions and personal circumstances.9. Legacy Planning: For those who have dependents or wish to leave a legacy, financial management ensures that there are plans in place for the distribution of assets after ones passing.10. Economic Stability: On a larger scale, when individuals manage their finances well, itcontributes to the economic stability of the community and the country.In conclusion, financial management is not just about making money but also about making the most of the money one has. It empowers individuals to take control of their financial future and live a life that is in line with their values and aspirations.理财的好处英语作文翻译：理财是一项每个人都应该具备的关键技能，它帮助个人了解和控制自己的财务状况，为未来做计划，并实现他们的财务目标。
英语作文说说你的理财之道
英语作文说说你的理财之道Personal Finance Strategies for a Secure FutureManaging one's personal finances is a critical aspect of achieving financial stability and long-term success. As individuals navigate the complexities of the modern financial landscape, it is essential to develop a well-rounded approach to personal finance that encompasses budgeting, saving, investing, and risk management. In this essay, I will share my personal finance strategies and the principles that guide my financial decision-making.Budgeting: The Foundation of Financial DisciplineAt the core of my personal finance strategy is a comprehensive budgeting system. I firmly believe that effective budgeting is the foundation for achieving financial goals and maintaining control over one's spending. I start by categorizing my expenses into essential and discretionary categories, allowing me to identify areas where I can optimize my spending. By closely monitoring my income and expenses, I am able to make informed decisions about where to allocate my resources.One of the key elements of my budgeting approach is the use of a cash envelope system. This method involves allocating a specific amount of cash for each spending category, such as groceries, entertainment, and transportation. This physical representation of my spending limits helps me stay accountable and avoid impulse purchases that can derail my financial plan.Saving: Building a Secure Financial FoundationAlongside my budgeting strategy, saving is a crucial component of my personal finance approach. I have established a clear savings plan that prioritizes building an emergency fund, contributing to retirement accounts, and setting aside funds for long-term goals. By automating my savings through direct transfers from my checking account, I ensure that a portion of my income is consistently allocated to these important financial objectives.One of the key principles I follow when it comes to saving is the50/30/20 rule. This guideline suggests that 50% of one's income should be allocated to essential expenses, 30% to discretionary spending, and 20% to savings and debt repayment. While the specific percentages may vary based on individual circumstances, this framework has helped me maintain a balanced and sustainable approach to personal finance.Investing: Securing Long-Term Financial GrowthIn addition to budgeting and saving, investing plays a significant role in my personal finance strategy. I recognize the importance of growing my wealth over the long term, and I have developed a diversified investment portfolio that aligns with my risk tolerance and financial goals.One of the core principles I follow in my investment approach is the concept of asset allocation. I have carefully allocated my investments across different asset classes, such as stocks, bonds, and real estate, to mitigate risk and maximize potential returns. I also regularly review and rebalance my portfolio to ensure that it remains aligned with my investment objectives.Another key aspect of my investment strategy is the emphasis on long-term thinking. I avoid making impulsive decisions based on short-term market fluctuations and instead focus on building a portfolio that can withstand the ups and downs of the financial markets. By taking a patient and disciplined approach to investing, I am able to capitalize on the power of compound growth and secure my financial future.Risk Management: Protecting Against Unexpected Challenges Effective personal finance management also requires a comprehensive approach to risk management. I have taken proactivesteps to protect myself and my family against unexpected events, such as job loss, illness, or natural disasters.One of the primary ways I manage risk is through the maintenance of a robust emergency fund. This fund, typically equivalent to three to six months' worth of essential expenses, serves as a safety net to cover unexpected financial challenges without disrupting my long-term financial plan.In addition to my emergency fund, I have also invested in various insurance products, such as life insurance, health insurance, and homeowner's or renter's insurance. These policies provide a crucial layer of protection against the financial consequences of unexpected events, ensuring that I can weather any storms that may arise.Debt Management: Achieving Financial FreedomDebt management is another crucial aspect of my personal finance strategy. I understand the importance of maintaining a healthy debt-to-income ratio and have developed a plan to systematically pay down my outstanding obligations.One of the key principles I follow in debt management is the prioritization of high-interest debt, such as credit card balances. By focusing on paying off these debts first, I am able to minimize the amount of interest paid and free up resources for other financialgoals.Additionally, I have explored various debt repayment strategies, such as the debt snowball method and the debt avalanche method, to determine the most effective approach for my specific situation. By staying disciplined and committed to debt reduction, I am steadily working towards achieving financial freedom and a greater sense of financial security.Continuous Learning and AdaptationFinally, a crucial aspect of my personal finance strategy is the commitment to continuous learning and adaptation. The financial landscape is constantly evolving, and I recognize the importance of staying informed about changes in regulations, market trends, and new financial products and services.To this end, I regularly engage in ongoing education, reading financial literature, attending workshops, and seeking advice from qualified financial professionals. This commitment to lifelong learning allows me to make informed decisions, adapt to changing circumstances, and ensure that my personal finance strategies remain relevant and effective over time.ConclusionIn conclusion, my personal finance strategy is a multifacetedapproach that encompasses budgeting, saving, investing, risk management, and debt management. By adhering to these principles and continuously learning and adapting, I am able to navigate the complexities of personal finance and work towards achieving my long-term financial goals. While the specific details of my strategy may evolve over time, the underlying commitment to financial discipline, prudent decision-making, and a long-term perspective remains the foundation of my personal finance journey.。
英语作文我的理财观
英语作文我的理财观My Financial Philosophy.In the realm of personal finance, developing a soundand coherent philosophy is paramount to achieving financial well-being. It serves as a guiding compass, shaping our financial decisions and behaviors. My financial philosophyis rooted in four core principles: financial responsibility, long-term planning, prudent investing, and financial independence.Financial Responsibility.Financial responsibility is the cornerstone of my financial philosophy. It encompasses a disciplined approach to spending, saving, and debt management. I believe inliving within my means, prioritizing needs over wants, and avoiding unnecessary debt. By adhering to these principles, I aim to establish a solid financial foundation that will provide peace of mind and financial security.Long-Term Planning.Long-term planning is essential for building wealth and achieving financial goals. I adopt a forward-thinking mindset, setting financial objectives and developing strategies to accomplish them over time. This involves setting realistic savings goals, creating a diversified investment portfolio, and planning for major life events such as retirement, education, and homeownership. By taking a long-term perspective, I am better equipped to navigate financial challenges and seize opportunities that arise.Prudent Investing.Prudent investing is a key component of my financial philosophy. I believe in investing for the long term, embracing a diversified approach that balances risk and reward. I conduct thorough research, seeking outinvestments that align with my goals and tolerance for risk. By investing wisely, I aim to grow my wealth over time, generating passive income that will supplement my financialsecurity.Financial Independence.Financial independence is my ultimate financial goal. I strive to earn enough passive income through investments and savings to cover my living expenses without relying on a job or other sources of income. By achieving financial independence, I believe I can gain control over my time, pursue my passions, and live a life of purpose and freedom.Financial Discipline and Education.In addition to these core principles, financial discipline and education play crucial roles in my financial philosophy. I maintain strict control over my expenses, track my financial progress, and seek continuous education to stay abreast of financial trends and opportunities. By embracing financial literacy, I empower myself to make informed decisions and manage my finances effectively.Why These Principles Matter.Adhering to these financial principles hassignificantly impacted my life. I have established a strong financial foundation, achieved significant savings, and invested wisely. By adopting a long-term perspective, I am confident in my ability to weather financial storms and pursue my financial goals. My financial philosophy has empowered me to live a life free from financial worries and pursue my passions with peace of mind.中文回答：我的理财观：1. 财务责任感，是指一种纪律严明的消费、储蓄和债务管理方式。
英语作文理财
英语作文理财In today's fast-paced and economically demanding world, personal finance management has become an essential skill. It is not just about spending money, but also about saving, investing, and planning for the future. This essay will delve into the importance of personal finance management and offer practical tips on how to manage one's finances effectively.Understanding Personal FinancePersonal finance is the management of one's income, expenses, savings, investments, and debts. It involves budgeting, planning, and strategizing to ensure that one's financialgoals are met. This could include saving for a house,planning for retirement, or preparing for unexpected expenses.Importance of BudgetingCreating a budget is the first step towards effectivepersonal finance management. A budget helps you track your income and expenses, ensuring that you live within your means. It also helps you identify areas where you can cut back on spending, thus freeing up funds for savings or investment.Saving for the FutureSaving is a crucial aspect of personal finance. It is notjust about putting money aside for emergencies; it is alsoabout building a financial cushion for future needs. Regular saving can help you achieve your financial goals, such as buying a car, going on a dream vacation, or even starting a business.Investing WiselyInvesting is a way to grow your wealth over time. It involves putting your money into assets that have the potential to increase in value. This could be stocks, bonds, real estate, or even your own education. The key to successful investing is to research thoroughly and diversify your investments to minimize risk.Debt ManagementDebt is a part of life for many people, but it is important to manage it wisely. High-interest debts can quickly accumulate and become a financial burden. Paying off debts as soon as possible and avoiding unnecessary borrowing can help you maintain a healthy financial status.Financial Planning for the Long TermLong-term financial planning is about setting and achieving long-term goals. This could involve planning for your retirement, saving for your children's education, or setting up a trust fund. It requires discipline, foresight, and a clear understanding of your financial situation.ConclusionIn conclusion, personal finance management is a skill that everyone should master. It involves budgeting, saving, investing, and planning for the future. By taking control of your finances, you can ensure financial stability and security, paving the way for a prosperous and worry-free life. Remember, the earlier you start, the better off you will bein the long run.。
个人理财英语复习课程
好资料学习-----Personal Wealth Management Service个人理财业务personal financing个人理财个人理财业务personal financial planning个人理财personal wealth management(花旗银行)PFS个人理财服务personal financial Service( )Elite Club理财金账户（工行）Sunflower“金葵花”理财（招行） finance理财通financing Link理财宝 financial TreasuryMoney Mate理财室（中行）民生贵宾服务 Minsheng banking VIP service交银理财 BOCOM Fortunewealth management with Orient card 东方卡理财（浦发银行） investment link 投资通)(Premier(HSBC)汇丰银行卓越理财phonebanking services(HSBC)保本投资产品（汇丰银行）)(HSBC)(汇丰银行电话理财服务 capital protected investment 柜台记账式国债over-the-counter account bondover-the-counter account bond transaction柜台记账式债券交易 agency 开放式基金open-ended funds代理销售开放式基金open-ended funds commission银基通bank-fund link代理发行国债agency issuing government bondsvisible treasury certificate 凭证式国债 Bearer treasury certificate 无记名式国债个人资信服务individual Credit Service代理保管业务safekeeping agency保管箱服务custodial box service保管箱业务safe deposit box serviceassets management资产管理 24小时到账处理业务around-clock service of account management network settlement 网络结算业务 bank-securities link银证通银证转账bank-securities account transferMoney Link 银证通（浦发银行）银证转账（浦发银行）account transfer via money link) bank-insurance link(bonus participated insurance) 分红保险银保通( 开放式基金open-ended fundsbank-fund link银基通open-ended funds commission代理销售开放式基金capital account资金账户 deposit(Margin) account 保证金账户 counter Transfer柜台转账电话银行自助转账telephone Banking self-service transferservice更多精品文档．好资料学习-----a letter of entrustment for transfer 转账委托书委托转账代缴费entrusting transfer and deduction股东磁卡shareholders' magnetic card网络结算业务network settlement国内支付结算业务domestic payment settlement service养老基金old-age pension fund社会保险基金social security fund债券基金bond fund投资基金 investment fund封闭式基金 close-ended fund开放式基金open-ended fundSavings Deposit储蓄存款业务savings deposit活期储蓄存款 demand deposit(current deposit)活期储蓄存款 current deposit passbook活期存折 current checkbook deposit活期支票 time or demand optional deposit定活两便存款 call deposit通知存款 time deposit(term deposit)定期存款 large sum fixed deposit大额定期存款 general fixed deposit普通定期存款 floating time rate deposit定期浮息选择存款 lump-sum deposit and withdrawal整存整取 time deposit of lump-sum deposit and withdrawal整存整取定期储蓄 time deposits of lump-sum depositing and lump-sum整存整取定期存款 withdrawal零存整取 installment fixed deposits零存整取定期储蓄 time deposit of small savings for lump-sum withdrawal 存本取息 interest withdrawal for a principal deposited存本取息定期储蓄 peincipal-receiving and interest withdrawing time deposit整存零取定期储蓄 time saving big money and small drawing定活两便存款 savings / time optional depositsseven-day notice deposit 七天通知存款个人结算账户personal settlement account储蓄账户） (汇丰银行) avings account s（HSBC定期存款账户f ixed deposit account(HSBC) （汇丰银行） renminbi account(HSBC)人民币账户（汇丰银行） children account(HSBC)儿童账户（汇丰银行） statement savings account(HSBC)结单储蓄账户（汇丰银interest bearing savings account(HSBC)行） interest bearing chequeing account(HSBC)生息储蓄账户（汇丰银advance withdrawal and loss-reporting business 行）deposits by correspondence更多精品文档．好资料学习-----生息支票账户（汇丰银deposit collections in different places 行）personal checks提前支取与挂失业务deposit certificate loss reporting通信存款loss reporting for personal checks储蓄存款异地托收savings certificate个人支票personal call deposit储蓄存款挂失interbank deposit and withdrawal个人支票挂失education deposit定期存单个人通知存款通存通兑教育储蓄存款挂失业务procedures of loss reporting存单挂失deposit certificate loss reporting临时挂失 interim loss reporting活期一本通 current All-In-One passbookfixed All-In-One passbook 定期一本通 multiple function debit card 多功能借记卡)汇丰银行Deposit Plus(HSBC)(双利存款Personal Consumer Credit个人消费信贷housing mortgage loan住房抵押贷款个人商业用房贷款individual business house loan房屋装修贷款house refurbishing loan.个人住房贷款individual housing loans自营性住房贷款housing loans on own account委托住房贷款housing loans on authorizationindividual combined housing loans 个人住房组合贷款CITIC Happy Family 中信家家乐汽车消费贷款auto loansloan for refurbishing house 家居装修贷款大额耐用消费品贷款consumer durables loan个人存单质押贷款personal loan secured by CDs/treasury bonds个人消费信贷individual consumption loan小额信用消费贷款petty consumer credit个人信用贷款individual unsecured loanconsumption credit for individual clients 个人消费信贷业务 individualconsumption loan 个人消费信贷) secured loan抵押放款担保放款( small amount private loans 小额贷款 individual auto loan 个人汽车消费贷款个人综合消费贷款 individual comprehensive consumer loanindividual large-denomination durable commodities loan 个人大额耐用消费品贷款更多精品文档．-----好资料学习 personal pledge loan个人质押贷款 travel and vacation loans 旅游度假贷款网上个人质押贷款online personal pledge loan insurance certificate pledge loan 保单质押贷款 deposit certificate pledge loan 存单质押贷款 certificates of deposit(CDs)大额存单 individual comprehensive consumer loan个人综合消费贷款 individual large-denomination durable commodities loan 个人大额耐用消费品贷款 state educational loan国家助学贷款 commercial educational loan 商业助学贷款 overseas study loan 留学贷款 educational loans教育助学贷款Foreign Exchange for Corporate公司外汇业务forex deposit for enterprise单位外汇存款业务活期对公外汇存款current forex deposit for enterprise 定期对公外汇存款time foreign fxchange deposit for enterprise通知对公外汇存款forex deposit for enterprise call外汇贷款业务forex credit外汇流动资金贷款forex working capital loanforex temporary loans 外汇临时流动资金贷款外汇短期流动资金贷款forex short-term loans forex medium-term loans 外汇中期流动资金贷款外汇流动资金循环贷款forex revolving loansforex loans with repayment in Installments 外汇整贷零偿 forex fixed asset loan外汇固定资产贷款 forex fixed asset investment外汇固定资产投资贷款 forex business development and expansion 外汇开发扩建贷款 forex technical innovation 外汇技改贷款 forex fixed asset acquisition外汇固定资产收购贷款International Finance国际融资业务外汇兼并收购贷款forex merger&acquisition loan项目融资project financeBOT）build, operate, transfer 建设经营转让（BT）build, transfer（建设转让 export buyer's credit出口买方信贷 syndicated loan银团贷款 on-lending project finance 外汇转贷款项目融资国际商业贷款融资international commercial loanimport buyer's credit进口买方信贷融资 foreign government loan外国政府贷款融资更多精品文档．学习-----好资料foreign government mixed loan外国政府混合贷款融资国际金融组织贷款融资loan from international financial organizations 外汇转贷款forex transferred loan特色融资业务 f inancing business of features票据贴现bills discount授信额度credit line统一大授信w orldwide credit出口卖方信贷export seller's credit融资租赁finance lease应收账款收购 purchase of the accounts receivable对外劳务承包贷款 external labor service contract loan一路通 distribution passport创业宝 start-up winner国际融资及担保i nternational financing and guarantee business信托业务trust services境外发债融资international debt offering外汇担保业务foreign exchange guarantee借款担保guarantee for loan投标担保tender guarantee履约担保performance bondadvanced payment guarantee 预付款退款担保付款担保payment guarantee验货付款保函verification payment guaranteetechnical verification payment guarantee 技术交易验收付款保函延期付款担保deferred payment guaranteelease guarantee租赁担保 import bills for collection 进口代收 export bills for collection 出口托收出口托收买单purchasing collection bills打包放款（信用证项下）packing loan under L/C转让信用证transferable L/Cnegotiating export bills 议付出口信用证单据 discounting bills （银行承兑）汇票贴现 secured lading担保提货开立保函opening letter of guaranteeforeign exchange payment and clearing service外汇清算业务 settlement clearance for foreign exchange pusiness 外汇业务清算 banking facility授信 foreign exchange rate risks cover 外汇保值避险 guarantee and attestation担保和见证 inter-bank foreign currency borrowings and lendings 金融机构间外汇拆借 asset portfolio management 理财策划 offshore bankingbusiness 离岸金融业务 trade financing贸易融资更多精品文档．好资料学习-----综合授信 general banking facilities 打包放款 Packing Credit进口押汇 import bills purchase出口押汇 export(0utward) bill purchase外币票据贴现 foreign currency bill discount买入外币票据 foreign exchange bills purchase票据贴现 bills discountingForfaiting福费廷（包买票据）Factoring保理业务非贸易融资 non-trade finance银行卡业务Bank Card牡丹信用卡 peony credit card牡丹国际卡 peony international card牡丹灵通卡 peony MoneyLink card牡丹智能卡peony IC(Smart) card牡丹专用卡peony proprietary card牡丹彩照卡peony photo card牡丹联名卡 peony co-branding cardLong龙卡 card储蓄卡savings card借记卡 debit card生肖卡animal card转账卡account transfer card储值卡 pre-paid consumption card专用卡 special-purpose card联名卡（认同卡）co-branded cardGreat Wall长城信用卡 credit cardGreat Wall长城国际卡 international cardGreat Wall长城人民币信用卡 credit card in RMB 太平洋卡pacific card金卡gold card普通卡ordinary card金葵花卡The World's Sunflower发展卡development cardMinsheng民生卡 card东方卡 Orient card真情卡(Lady card 广发银行)维萨卡Visa card万事达卡Master card大莱卡 Diner's card运通卡 American Express card百万卡（日本） Million card卡（日本）JCB cardJCB更多精品文档．好资料学习-----发达卡（香港） Federal cardTerms of Post and Title岗位职务词汇董事会，理事会 board of directors董事长 chairman of the board董事长 chair of board of directors董事长chief executive officer董事director总裁，常务董事managing director代理行长authorized officer中国事务部经理兼主管 manager and head of China desk总经理 general manager(GM)总监 director general总稽核chief controller副总经理 deputy general manager(DGM)首席执行官 chief executive officer(CEO)首席财务总监chief financial officer(CFO)首席市场总监chief market officer(CMO)总经理top manager经理，主任 manager财务经理，财务处（科）长 finance director财务经理 financial manager会计主任，总会计师，财务处长 chief accountantchief cashier 出纳主任 chief clerk 主任办事员 head clerk首席办事员部门主任head of departmenthead teller出纳主任 chief accountant 总会计，会计主任 chief of finance 财务主任sales director 营业副经理；销售处（科）长 sales manager 销售经理directing staff 领导人员最高管理层top management中层管理middle management基层管理lower managementmanager of bank 银行经理人管理人员managerial staff高级职员officer, official财务顾问financial adviserfinancial accountant 财务会计员 financial administrator 财务主管人financial executive财务主管更多精品文档．好资料学习-----审计人员auditing officers主管会计；审计员controller主管会计师accountant in charge会计师，会计员accountant顾问consultant业务顾问management consultant经理人的代理managing agent助理会计师assistant accountant协理，副总经理，副总裁assistant general managerassistant manager 副理，协理 managing partner 办事员 administrative staff 管理人员，行政人员 office staff 办公室职员操作人员operation staff簿记员accounting clerkbank clerk 银行职员 office clerk办事员统计员statistical clerk出纳员pay clerkstaff 职员办事员clerk出纳员cashier出纳员teller顾客，客户customer顾客，客户clientIntermediary Business(1)中间业务汇兑业务remittance services国内汇兑domestic remittance代理汇兑remittance agency汇款直通车remittance express普通汇款 commom remittance加急汇款 urgent remittance票汇(汇票汇款remittance by draft )汇款cash remittance银行本票bank promissory note(bank check)支票check支票簿check Book代理业务agency services基金代理业务fund agency serviceBank-fund Link银基通Bank-futures Link银期通FortuneLink财富通更多精品文档．学习-----好资料bond agency service债券代理业务债券结算代理bonds settlement agency保险代理业务insurance agency service代理理财financing agency代理保管safekeeping agency代理收付collection and payment agency代理结算settlement agency代发工资(业务)salary payment agency(payroll agency service)代发工资（养老金）业务 wages(old-aged pension) distribution agency代理公用事业收费 public utility fee levying agency代理发行国债 issuing government bonds agencycommission collection of telephone fee代收电话费业务Unicom commission collection of telephone fee for 代收联通话费业务 commission collection of electricity charge 代收电费业务commission collection of insurance premium 代收保险费 payment through telephone banking 电话银行缴费 payment through mobile phone banking 手机银行缴费代收付业务network payment settlement agency网上支付结算代理agency collection and paymentcommission payment on consignment 委托缴费 payment in cash现金缴费缴费业务charge withholding service缴费通fee collection expresscommission security business 代理证券业务 agency securities fund clearing 代理证券资金清算 commission tax withholding 代理税收业务代理保险业务commission insurance代签银行汇票agency signing of the banker's billforward settlement期货结算业务 client service center 客户服务中心 customer servicehotline 客户服务热线 bearer treasury certificate 无记名式国债 visible treasury certificate凭证式国债固定面额无记名式国债bearer treasury certificate with fixed denomination 支付凭证 proof of payment(payment vouchers) 转账委托书 a letter of entrustment for transfer 代收代缴费 agency collection and payment代收代扣agency collection and deductionpublic utility Feeentrusting transfer and deduction 公用事业费 agency issuing government bonds委托转账代交费foreign exchange trading agencyautomated transferdeposit(margin) account代理发行国债更多精品文档．学习-----好资料代理外币买卖自动转账保证金账户bill consultancy票据查询 real-time funds transferring 实时资金汇划 counter transfer 柜台转账结算业务 settlement business国内结算业务 domestic settlement service 托收汇票托收承付 draft for collection委托收款 collection and acception 网上结算commission reception 网上购物on-line Settlement 代理证券资金清算on-line Shopping代理收付业务securities and capital settlement agency 客户条形码自动查询commission collection and payment agency 支付结算业务代理client bar code automatic inquiry system 期货结算业务payment and settlement agencyforward settlementnotes clearing票据交换 charged bond trading on the counter 柜台记账式债券交易treasury bills 国库券 treasury bonds长期国债 book-entry treasury bill 凭证式国债 visible treasury certificate 凭证式国债 investment banking 投资银行业务商人银行业务merchant banking咨询性金融业务consultancy-specific financial service基金托管funds trusteeshipcash-based settlement 现金清算 paper-based settlement票据清算 electronic-based settlement 电子清算 transferring settlement 转账结算 accounting settlement business会计结算业务更多精品文档．。
理财英语词汇重点
理财英语词汇重点（⼀）理财：Wealth Management or financial planning理财规划：financial planning理财公司：financial planning firm独⽴第三⽅理财顾问公司：Independent Financial Advisor外汇投资：foreign currency investment股票投资：equity investment or stock investment投资组合：portfolio management风险和回报：risk & return基⾦：managed fund (英国）mutural fund (美国）（⼆）Accrued interest 应得利息All-Ordinaries Index 所有普通股指数Arbitrage 套戥Ask Price 买价Asset-Backed Securities 具资产保证的证券At-the-money 刚到价Automatic Order Matching And Execution System ⾃动对盘及成交系统Basis Point 基点Bear Markets 熊市Bid Price 卖价Bid-ask Spread 买卖差价Blue Chips 蓝筹股Bond 债券Book Value 账⾯值Broker 经纪Brokerage Fee 经纪佣⾦Bull Markets ⽜市Call Option 好仓期权/买⼊（认购）期权Callable Bonds 可赎回债券Capital Gain 资本增值Capital Markets 资本市场Central Clearing and Settlement System 中央结算系统Central Money Market Units 债务⼯具中央结算系统Certificate of Deposits 存款证China Concepts Stock 中国概念股Closed-end 闭端基⾦Collateral 抵押品Commercial Paper 商业票据Common Stock 普通股Compound Interest 复息Contract Note 成交单Controlling Shareholder 控制股东Convertible Bond 可换股债券Corporate Bond 公司债券Coupon 票息Coupon Frequency 派息次数Coupon Rate 票⾯息率Covered warrants 备兑认股权证Credit Rating 信⽤评级Currency Board 货币发⾏局Current Yield 现价息率Custody of Securities 证券托管Default Risk 不能收回本⾦的风险Derivative Call 衍⽣认购（认沽）认股权证Derivative Instrument 衍⽣产品Direct Business 直接成交Discount Bond 折扣债券Diversification 分散风险Duration 期限Earnings 收益Earnings per Share 每股盈利Earnings Yield 盈利率Equity 股本Equity Call Warrants 股本认购认股权证Ex-dividend 除息Face Value/ Nominal Value ⾯值Fixed Rate Bonds 定息债券Fixed-income securities 定息证券Floating Rate Bonds 浮息债券Fundamental Analysis 基本分析Future Value 未来值Future Value of an Annuity 定期供款之未来值Futures contract 期货合约Hang Seng China Enterprises index 恒⽣⾹港中资企业指数Hang Seng Index ⾹港恒⽣指数Hang Seng London Reference Index 恒⽣伦敦参考指数Hedge 对冲Hong Kong Inter-Bank Offered Rate ⾹港银⾏同业拆息Hong Kong Monetary Authority ⾹港⾦融管理局Hong Kong Securities Clearing Company Ltd. ⾹港中央结算有限公司H-Share 股HSI Futures Contract 恒⽣指数期货合约Income 收⼊Index Fund 指数基⾦Initial Public Offering ⾸次公开招股Inside Information 内幕消息Insider Trading 内幕交易Intrinsic Value 内在价值Investment 投资Investment Adviser 投资顾问IPO price ⾸次公开招股价Junk Bond 垃圾债券Leverage Ratio 杠杆⽐率Limit Order 限价指⽰Limited Company 有限公司Liquidity 变现能⼒Listing 挂牌Listing Date 上市⽇期Margin Call 补仓Market Capitalisation 市价总值Market Maker 庄家Market Order 市场指⽰Money Market 货币市场Mutual Fund 互惠基⾦Net Asset Value 资产净值Offer For Sale 公开发售Offer For Subscription 公开认购Open Offer 公开供股Open-end 开放基⾦Option 期权Oversubscribed 超额认购Par Bond 平价债券Par Value 票⾯值Perpetual Bonds 永久债券Placing 配售Portfolio 投资组合Preference Shares 优先股Premium 溢价（认股证）Premium Bond 溢价债券Present Value 现时值Present Value of An Annuity 定期供款之现时值Price/Earnings Ratio 市盈率Privatisation 私有化Professional Conduct Regulations 专业操守规例Prospectus 招股书Put Option 淡仓期权/卖出（认沽）期权Rate of Return 收期率Real Interest Rate 实质利率Red Chip 红筹股Redemption Value 赎回价值Reinvestment Value 再投资利率Relative Strength Index/RSI 相对强弱指数Repurchase Agreement 回购协议Resistance Level 阻⼒价位Return 回报Rights Issue 供股发⾏Risk-Averse, Risk-Neutral, Risk-Taking 风险厌恶，风险中⽴，追求风险Securities And Futures Commission 证券及期货事务监察委员会Securities Dealers' Representatives 证券交易商SEHK 联交所Senior Bond 优先债券Settlement 结算Short Hedge 空头对冲Short Position 空仓Short Selling 抛空/沽空Speculation 投机Stock Splits 股票分拆Subordinated Bond 后偿债券Substantial Shareholder ⼤股东Support Level ⽀持价位Technical Analysis 技术分析The Stock Exchange of Hong Kong Ltd. ⾹港联合交易所有限公司Time Horizon 投资期Trading Hours of SEHK 联合交易所的交易时间Trading Rules 交易规则Trust Deed 信托契约Underlying Security 认股权证相关的股份Unified Exchange Compensation Fund Scheme 联合交易所赔偿基⾦Valuation 估价Warrant 认股权证Window Dressing 粉饰橱窗Yield 盈利率Yield To Maturity 到期孳息率Zero Coupon Bond ⽆息债券（三）All Ordinaries Index (澳⼤利亚)股市指数Amex(American Stock Exchange) 美国股票交易所amortize 摊提，分期偿还债务annuity 年⾦享受权asking price 卖主的开叫价assess 对(财产等)进⾏估价，确定(款项)的⾦额back 拖⽋的bad loan 呆账，坏账bailout 帮助……摆脱困境balloon (分期付款中)最后数⽬特⼤的⼀笔barometer 晴⾬表，[喻]标记，指标basis point 基点(⼀个百分点的百分之⼀)bear markets 熊市blue-chip (股票等)热门的，(在同⾏中)最赚钱的forex foreign exchangebond 债券，公债bourse 交易所，证券交易所bull markets ⽜市bullish ⽜市的bunji-change 快速的⼤幅度变化CAC-40 Index (法国)股市指数CD(certificate-of-deposit) ⼤额存款单Chicago Mercantile Exchange 芝加哥商业交易所Consumer Price Index 消费者价格指数contagion 蔓延correction 调整coupon rate 券根利率CTA(Commodities Trading Advisor) 农矿产品交易顾问Currency board 货币委员会DAX index (法兰克福)德国股市指数dead loan 死帐delist 从上市证券表中除名derivatives 衍⽣⾦融商品(由利率或债券、外汇或汇率以及股票或股价指数等现货市场衍⽣出来，主要有期货futures、期权option trading与掉期swap 三种类型，品种多达100余种。
my pocket money英语作文
my pocket money英语作文我的零花钱是我个人财务的一部分，它让我有机会学习理财，理解金钱的价值，并在有限的预算内做出明智的消费决策。
我通过做家务、优异的学习成绩以及特定节日或生日时从父母那里获得零花钱。
这些资金的来源使我明白，钱并非凭空产生，而是通过付出努力和时间才能获得。
英文：My pocket money is a part of my personal finances, allowing me to learn about money management, understand the value of currency, and make wise consumption decisions within a limited budget. I earn this money by doing household chores, achieving excellent academic results, and receiving it from my parents on special occasions like holidays or birthdays. These sources of income instill in me the understanding that money does not materialize out of thin air; rather, it is acquired through hard work and time invested.中文：我将零花钱分为三部分进行管理：储蓄、投资和日常消费。
首先，我会把一部分零花钱存入银行，积累长期储蓄，以备不时之需或用于未来的大型支出，如大学学费。
其次，我也会尝试进行小额投资，如购买低风险的基金或参与模拟股票交易，以此了解金融市场运作并可能获取额外收益。
最后，剩余的部分作为日常消费，用于购买书籍、文具、零食或偶尔与朋友的小聚，这些消费既能满足我的生活需求，也能增进社交关系。
2019年BEC商务英语考试中级阅读翻译资料
2019 年 BEC 商务英语考试中级阅读翻译资料（ 4 ）中国银行业看守机构昨日表示，随着各银行扩大产品种类， 2007 年最后一个季度中国个人理财产品销售额大幅飙升。
Sales of individual wealth management products inChina shot up in the last quarter of 2007 as banks expandedtheir product offerings, the banking regulator said yesterday.截止 9 月底， 60 家银行业金融机构推出了个人理财服务，如共同基金、保险产品和离岸投财产品。
By the end of September there were 60 bankinginstitutions in China offering individual wealthmanagement services such as mutual funds, insuranceproducts and offshore investments.( 合2007 年前三个季度，各银行此类产品销售总数为820 亿美元 ) 。
6000 亿元人民币Together China ’s banks sold Rmb600bn ($82bn) worth ofsuch products in the first three quarters of 2007.但中国银监会 (CBRC)表示，预计 2007 年全年销售总量将达 1 万亿元人民币，原因是有更多的理财产品面世，同时客户将资本从生息的如期存款中转出。
But the China Banking Regulatory Commission (CBRC) saidit expected that figure had jumped to Rmb1,000bn by the endof the year as more products BECame available andcustomers shifted money out of interest-bearing time deposits.2007 年 11 月份，中国通货膨胀率创下 6.9%的 11 年高点，而一年期存款利率仅为 4.14%，中国投资者面对实在质利率为负的场面，他们素来在追求银行存款的取代品。
我的理财计划英语作文
我的理财计划英语作文I ain't no financial expert, but I got me a little plan for managing my money. See, I look at my money like it's a bunch of little soldiers, andI'm the general in charge of 'em.I got this old, tattered wallet. It's brown, like the color of the dirt on my old farm back home. When I open it up, the leather creaks like an old door in a haunted house. And inside, there's not much to start with, just a few crumpled bills and some loose change. But that don't stop me from dreaming big.I've got a job, not a fancy one. I work in a little store, stacking shelves. The boss, Mr. Thompson, he's a short, fat man with a bald headthat shines like a polished marble in the sun. He always yells at me towork faster, but I just smile at him. "Mr. Thompson," I say, "I'm workingas fast as my little money making soldiers can march." He don't get my joke and just grunts and walks away.Now, every month when I get my paycheck, I first set aside a bit for food. I don't go for those expensive restaurants. I'm more of a peanutbutter and jelly sandwich kind of guy. I go to the local grocery store, where the lady at the counter, Mrs. Green, she's got this big, round face and always has a kind word for me. "How are you today, young man?" she asks. "Just fine, Mrs. Green, just trying to feed my money soldiers," I say. She just laughs and shakes her head.After food, I put some money into a little piggy bank I've had since I was a kid. It's a fat, pink pig with a big smile on its face. I figurethat's my savings for a rainy day. Maybe one day I can use it to buy a newbike or something. I don't know, but it gives me a good feeling just to see that piggy bank getting heavier every month.I also like to invest a little bit, but not in those big, scary stocks that people on TV talk about. I found this local community project where they're building a new park. For a small amount of money, I can be a part of it. I'm like a little partner in that park building business. I met this old man, Mr. Henry, who's also invested in it. He's got a long, white beard that looks like a cloud on his face. "We're making something good here," he says. "Sure are," I reply. "We're like two little ants building a big anthill."There are times when I'm tempted to just go and spend all my money on some useless thing. Like last month, I saw this shiny new hat in the store window. It was a cowboy hat, with a big silver buckle on it. I stood there for a good ten minutes, just looking at it. But then I thought about my money soldiers. I couldn't let them down. So I walked away, with a heavy heart but also a sense of pride.My money management ain't perfect, and sometimes I feel like I'm just fumbling around in the dark. But I'm trying, and that's what counts. I know that every little bit I save and invest today might turn into something big tomorrow. And that thought makes me smile, even when Mr. Thompson isyelling at me to stack those shelves faster.。
如何管理个人财务英语作文
如何管理个人财务英语作文英文回答：How to Manage Personal Finances.Managing personal finances is a crucial aspect of adult life. It involves planning, budgeting, saving, andinvesting to ensure financial stability and security. Here are some key steps to effectively manage personal finances:1. Track Income and Expenses:The first step to managing finances is to track all sources of income and expenses. This can be done through budgeting apps, spreadsheets, or simply keeping receipts and jotting down transactions. By having a clear understanding of cash flow, you can identify areas where adjustments can be made.2. Create a Budget:Once you have a good grasp of your income and expenses, create a budget. A budget is a plan that outlines how you will allocate your money each month. It should includefixed expenses (e.g., rent, mortgage, car payments), variable expenses (e.g., groceries, entertainment), and savings goals.3. Control Spending:Controlling spending is essential for financial management. Identify areas where you can cut back on unnecessary expenses and prioritize essential purchases. Use cash or debit cards instead of credit cards to avoid overspending.4. Save Regularly:Saving is a fundamental aspect of personal finance. Set up a savings account and make regular deposits, even small ones. This money can be used for emergencies, unexpected expenses, or long-term goals like retirement.5. Invest Wisely:Investing can help grow your money over time and build wealth. Consider investing in stocks, bonds, mutual funds, or real estate. However, it's important to do your research and understand the risks involved.6. Manage Debt:If you have outstanding debt, create a plan to pay it off as quickly as possible. Prioritize high-interest debts and make extra payments whenever possible. Consider consolidating debts to reduce interest rates.7. Seek Professional Advice:If you need help managing your finances, don't hesitate to seek professional advice from a financial planner or credit counselor. They can provide personalized guidance and support.8. Educate Yourself:Stay informed about personal finance topics through books, articles, and online resources. The more you know about managing your money, the better equipped you will be to make sound financial decisions.9. Be Patient and Disciplined:Managing personal finances effectively takes time and effort. Be patient and disciplined with your budgeting and savings habits. Consistency is key to achieving financial success.10. Review and Adjust Regularly:Financial situations can change over time, so it's important to regularly review and adjust your financial plan. Track your progress, identify areas for improvement, and make necessary changes to ensure ongoing financial well-being.中文回答：如何管理个人财务。
有关理财的名言英语作文
有关理财的名言英语作文英文回答：The world of personal finance can be daunting, but the wisdom of those who have come before us can help guide us towards financial success. Here are some famous quotes on personal finance that offer valuable insights and motivation:1. "The only person you are destined to become is the person you decide to be." Ralph Waldo Emerson.This quote reminds us that we have the power to shape our financial future. It encourages us to take responsibility for our financial decisions and to set goals that align with our values.2. "Don't save what is left after spending; instead, spend what is left after saving." Warren Buffett.Warren Buffett, one of the most successful investors of all time, emphasizes the importance of saving. By prioritizing saving over spending, we can build a solid financial foundation for the future.3. "It's not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for." Robert Kiyosaki.This quote highlights the importance of not only earning money but also managing it wisely. It encourages us to invest our money for long-term growth and to pass on our wealth to future generations.4. "The greatest glory in living lies not in never falling, but in rising every time we fall." Nelson Mandela.When it comes to personal finance, setbacks are inevitable. However, what matters most is our ability to learn from our mistakes and to persevere in the face of adversity.5. "Money is a tool. Use it as a hammer to build something, or as a screwdriver to fix something. Don't let it become your master." Dave Ramsey.Money is a powerful tool, but it can also be a source of stress and anxiety. By understanding the nature of money and using it wisely, we can gain control over our finances and achieve our financial goals.6. "The best investment you can make is in yourself." Warren Buffett.Investing in ourselves through education, skill development, and personal growth can pay dividends in the long run. By enhancing our earning potential and expanding our knowledge, we can improve our financial well-being.7. "Live below your means." Andrew Carnegie.One of the fundamental principles of personal finance is to live within our means. By avoiding unnecessary expenses and saving the difference, we can create afinancial cushion and avoid debt.8. "Don't be afraid to ask for help." Suze Orman.Managing personal finances can be complex, and there is no shame in seeking guidance from professionals. Financial advisors, accountants, and credit counselors can provide valuable advice and support to help us make sound financial decisions.9. "The future belongs to those who prepare for it." Malcolm X.Financial planning is essential for securing our financial future. By setting financial goals, creating a budget, and investing for retirement, we can prepare for unexpected events and ensure our financial security in the years to come.10. "Remember that time is money." Benjamin Franklin.Time is a valuable asset, and it is crucial to use itwisely. By managing our time effectively, we can make the most of our financial resources and achieve our financial goals faster.中文回答：理财名言。
财经相关英语词汇(P)
财经相关英语词汇(P)财经相关英语词汇(P)财经相关英语词汇(P)p/e ratio 市盈率估值比率，指公司当时股价与每股盈利的比率计算方法：每股市价/每股盈利每股盈利一般根据过去四个季度的盈利计算（现行市盈率），但有时也根据未来四个季度的盈利预测计算（预测市盈率）。
第三个方法是将上两个季度的实际盈利加上未来两个季度的预测盈利，根据这个总和计算市盈率pce 个人消费开支与消费物价指数相似，个人消费开支是商务部经济分析局发布的一项报告（实际上是个人收入报告的一部分）个人消费开支是衡量消费货品及服务价格变动的一个指标，包含实际及估算家庭开支，也包括耐用品、非耐用品及服务数据pp e 地产、厂房及设备指公司拥有的房地产、厂房及设施pv 现值假定一个回报率，计算一笔未来资金在今天的价值paid in capital 实收资本从投资者收取以交换股票的资金，是资产负债表的一个项目paid-up capital 已缴资本指一项证券的所有付款责任都已全数偿付的结算状况panic buying 恐慌性买入股价上升引发的大量买入交易panic selling 恐慌性出售股价下跌引发的大量卖出交易par 等值债券的面值。
企业债券的面值一般为1000美元，而政债券的面值较高，例如10000美元证券在首次发行时制定的美元金额pari passu 同等权利付款权利相等的两种证券或债务责任。
是paris club 巴黎俱乐部19个国家债权人每月在巴黎举行会议，以讨论债务事宜。
巴黎俱乐部的重点讨论事项为合作缓解无法偿还债务的发展中国家的债务负担parity 平价由于叫价一样，交易所中所有竞投同一种证券的经纪人享有同等的地位parity bond 等值债券两种或以上对债券偿付与抵押收入权利相等的债券par value 票面值债券的面值passive investing? 被动投资一种买卖行动有限的投资策略。
被动投资者的投资目的在于以有限的维持成本实现长期升值patent 专利权给与一个程序、设计或新发明独享权的政府许可证payback period 投资回收期回收投资成本所需的时间计算方法为：项目成本/每年现金流假设其他因素相等，回收期较短的投资是较佳的投资paydown 部分还款指偿付部分未清偿贷款余款paydown factor 部分还款系数计算方法为：将每个月从房地产证券的本金中扣除的部分现金，除以证券的原来本金额paying agent 付款代理人从证券发行人接受付款，然后分派给证券持有人的代理人payment date 付款日期预定支付已公布股息的日期payment in kind 实物支付指以货品或服务代替现金支付payment in kind bond (pik) 实物支付债券向债券持有人派发额外债券，代替以现金支付利息payout ratio 派息比率股息占盈利的百分比。
理财产品英文怎么说翻译怎么写
理财产品英文怎么说翻译怎么写如今许多人都会投资理财产品，不过任何的理财产品都是有相应的风险的，那么你知道理财产品用英语怎么说吗下面来学习一下关于理财产品的英语知识吧。
理财产品的英语说法financing productfinancial products理财产品的相关短语银行理财产品Financial Product ; bank financial products人民币理财产品RMB finances products基金理财产品Financial Products券商集合理财产品collection asset management plan贷款类理财产品financial products of loans外币理财产品Foreign currency financing products个人理财产品individual financing products理财产品的英语例句1. Prudent financial management products to the attention of only bonds, the market.稳健理财产品的注意力只能转向债券、票据市场.2. How to choose their own foreign exchange management products如何选择适合自己的外汇理财产品呢3. Conceptions of financing products are coming together with arrival of Olympic Games.随着奥运的临近,主打奥运概念的理财产品概念也接踵而至.4. Financial products and a seesaw deposits, the banks do trade - offs.理财产品和存款就像是跷跷板, 银行要做权衡.5. Another type is the banking and corporate finance short - term joint product launch.另一种类型,就是银行和企业联合推出的短期理财产品.6. The Construction Bank launched a financial product popular tea Trust investors.而建行推出的一款普洱茶信托理财产品颇受投资者关注.7. Is it new category of application management products to be warmer难道新股申购类理财产品要回暖8. Various banks have distributed 52 of credit property managing finances product.各银行发行了52款信贷资产理财产品.9. This goes without saying that any financial products are risky.这个不用多说,任何理财产品都是有风险的.10. Collection of financial products from the broker configuration, the blue - chip is the first selection.从券商集合理财产品配置来看, 蓝筹股是第一优选.11. Bank financial products is expected to yield only an estimate, not the final rate of return.银行理财产品的预期收益率只是一个估计值, 不是最终收益率.12. This paper presents a discussion on the pricing problem for a DE LI BAO - related financial product.讨论了一种与得利宝有关的理财产品的定价问题,对其建立了数学模型.13. Bond investments are bonds, bond - type financial products and three types of bond funds.债券投资方式主要有国债、债券类理财产品和债券基金三种.14. In recent months, the bank structured financial products incirculation has been decreasing month by month.近几个月以来, 银行结构性理财产品的发行量一直呈逐月递减的趋势.15. Sound financial management products banks is still an indispensable asset allocation investors species.稳健型银行理财产品依然是投资者资产配置不可或缺的品种.理财产品英文阅读余额宝到底是不是个宝Over the past nine months, Lian Lingling, 20, has acquired a new daily routine checking her Yuebao account. The online financial product not only helps her and other students to save money, it also cultivates in them a sense of financing and investment. But scholars warn that online financing has its risks and students need to have a more comprehensive understanding of financial products.在过去的九个月里，20岁的连玲玲(音译)养成了每天查看余额宝余额的习惯。
介绍几种理财方法英语作文
介绍几种理财方法英语作文Certainly! Here's an essay introducing several methods of financial management:---。
Financial management plays a crucial role in everyone's life, regardless of their income level or occupation. Effective financial management involves making wise decisions about how to save, invest, and spend money. In this essay, I will discuss several methods of financial management.1. Budgeting:Budgeting is perhaps the most fundamental aspect of financial management. It involves creating a plan for how to allocate income among various expenses, such as housing, groceries, transportation, and entertainment. A well-designed budget helps individuals track their spending,prioritize expenses, and avoid overspending.2. Saving:Saving is the act of setting aside a portion of income for future use. There are various saving methods, including traditional savings accounts, certificates of deposit (CDs), and retirement accounts like 401(k)s and IRAs. Additionally, individuals can explore high-yield savings accounts or investment options such as mutual funds or stocks to potentially earn higher returns on their savings.3. Investing:Investing involves putting money into financial assets with the expectation of generating income or appreciation over time. Common investment options include stocks, bonds, mutual funds, real estate, and commodities. Each investment option carries its own level of risk and potential return, so it's important for individuals to research and diversify their investments to minimize risk.Managing debt is essential for maintaining financial stability. This includes responsibly using credit cards, paying off high-interest debt, and avoiding unnecessary debt whenever possible. Strategies such as debt consolidation or refinancing may also help individuals lower their interest rates and pay off debt more efficiently.5. Retirement Planning:Planning for retirement is a long-term aspect of financial management that requires careful consideration. Individuals should assess their retirement goals, estimate their future expenses, and determine how much they need to save to achieve financial security in retirement. Retirement accounts like 401(k)s, IRAs, and pensions are valuable tools for saving for retirement, and it's important to start saving as early as possible to take advantage of compound interest.Risk management involves protecting oneself against unexpected financial losses. This can include purchasing insurance policies such as health insurance, life insurance, disability insurance, and homeowners or renters insurance. By having adequate insurance coverage, individuals can mitigate the financial impact of unforeseen events such as illness, injury, or property damage.In conclusion, effective financial management is essential for achieving financial security and long-term prosperity. By implementing strategies such as budgeting, saving, investing, debt management, retirement planning,and risk management, individuals can better navigate the complexities of personal finance and work towards their financial goals.。
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Personal?Wealth?Management?Service个人理财业务personalfinancingpersonalfinancialplanning personalwealthmanagement personalfinancialService(PFS) EliteClubSunflower financefinancingLinkfinancialTreasuryMoneyMate MinshengbankingVIPservice BOCOMFortune wealthmanagementwithOrientcard investmentlinkPremier(HSBC) phonebankingservices(HSBC) capitalprotectedinvestment(HSBC) over-the-counteraccountbondagencybank-fundlink agencyissuinggovernmentbonds 个人理财业务个人理财(花旗银行)个人理财服务理财金账户（工行）?“金葵花”理财（招行）理财通理财宝理财室（中行）民生贵宾服务交银理财东方卡理财（浦发银行）投资通卓越理财(汇丰银行)保本投资产品（汇丰银行）电话理财服务(汇丰银行)银基通代理发行国债visibletreasurycertificate Bearertreasurycertificate individualCreditServicesafekeepingagencycustodialboxservicesafedepositboxserviceassetsmanagementaround-clockserviceofaccountmanagement networksettlementbank-securitieslinkbank-securitiesaccounttransferMoneyLinkaccounttransferviamoneylinkbank-insurancelink(bonusparticipatedinsurance) open-endedfundsbank-fundlink 凭证式国债无记名式国债个人资信服务代理保管业务保管箱服务保管箱业务资产管理24小时到账处理业务网络结算业务银证通银证转账银证通（浦发银行）银证转账（浦发银行）银保通(分红保险)开放式基金银基通capitalaccountdeposit(Margin)accountcounterTransfertelephoneBankingself-servicetransferservice aletterofentrustmentfortransfer entrustingtransferanddeduction shareholders’magnetic card networksettlement domesticpaymentsettlementserviceold-agepensionfundsocialsecurityfundbondfundinvestmentfundclose-endedfundopen-endedfund 资金账户保证金账户柜台转账电话银行自助转账转账委托书委托转账代缴费股东磁卡网络结算业务国内支付结算业务养老基金社会保险基金债券基金投资基金封闭式基金开放式基金Savings?Deposit储蓄存款业务savingsdepositdemanddeposit(currentdeposit)currentdepositpassbookcurrentcheckbookdeposittimeordemandoptionaldepositcalldeposittimedeposit(termdeposit)largesumfixeddepositgeneralfixeddepositfloatingtimeratedepositlump-sumdepositandwithdrawaltimedepositoflump-sumdepositandwithdrawal timedepositsoflump-sumdepositingandlump-sumwithdrawal installmentfixeddeposits timedepositofsmallsavingsforlump-sumwithdrawal interestwithdrawalforaprincipaldepositedpeincipal-receivingandinterestwithdrawingtimedeposit timesavingbigmoneyandsmalldrawingsavings/timeoptionaldeposits 活期储蓄存款活期储蓄存款活期存折活期支票定活两便存款通知存款定期存款大额定期存款普通定期存款定期浮息选择存款整存整取整存整取定期储蓄整存整取定期存款零存整取零存整取定期储蓄存本取息存本取息定期储蓄整存零取定期储蓄定活两便存款seven-daynoticedeposit personalsettlementaccounts（HSBC）f(HSBC)renminbiaccount(HSBC) childrenaccount(HSBC) statementsavingsaccount(HSBC) interestbearingsavingsaccount(HSBC) 七天通知存款个人结算账户(汇丰银行)（汇丰银行）人民币账户（汇丰银行）儿童账户（汇丰银行）结单储蓄账户（汇丰银行）生息储蓄账户（汇丰银行）interestbearingchequeingaccount(HSBC) advancewithdrawalandloss-reportingbusiness depositsbycorrespondence depositcollectionsindifferentplaces personalchecks depositcertificatelossreporting lossreportingforpersonalchecks savingscertificatepersonalcalldeposit interbankdepositandwithdrawal educationdeposit 生息支票账户（汇丰银行）提前支取与挂失业务通信存款储蓄存款异地托收储蓄存款挂失个人支票挂失定期存单个人通知存款通存通兑教育储蓄存款proceduresoflossreporting depositcertificatelossreporting interimlossreportingcurrentAll-In-Onepassbook fixedAll-In-Onepassbook multiplefunctiondebitcard DepositPlus(HSBC)挂失业务存单挂失临时挂失双利存款(汇丰银行)Personal?Consumer?Credit个人消费信贷housingmortgageloan individualbusinesshouseloan houserefurbishingloan. individualhousingloans housingloansonownaccount housingloansonauthorization individualcombinedhousingloans CITICHappyFamilyautoloansloanforrefurbishinghouse consumerdurablesloan personalloansecuredbyCDs/treasurybonds individualconsumptionloan pettyconsumercredit individualunsecuredloan consumptioncreditforindividualclients individualconsumptionloansecuredloansmallamountprivateloans 住房抵押贷款个人商业用房贷款房屋装修贷款个人住房贷款自营性住房贷款委托住房贷款个人住房组合贷款中信家家乐汽车消费贷款家居装修贷款大额耐用消费品贷款个人存单质押贷款个人消费信贷小额信用消费贷款个人信用贷款个人消费信贷业务个人消费信贷抵押放款(担保放款) 小额贷款individualautoloan individualcomprehensiveconsumerloanindividuallarge-denominationdurablecommoditiesloan personalpledgeloantravelandvacationloans 个人汽车消费贷款个人综合消费贷款个人大额耐用消费品贷款个人质押贷款旅游度假贷款insurancecertificatepledgeloan depositcertificatepledgeloancertificatesofdeposit(CDs) individualcomprehensiveconsumerloanindividuallarge-denominationdurablecommoditiesloan stateeducationalloancommercialeducationalloanoverseasstudyloaneducationalloans 保单质押贷款存单质押贷款大额存单个人综合消费贷款个人大额耐用消费品贷款国家助学贷款商业助学贷款留学贷款教育助学贷款Foreign?Exchange?for?Corporate公司外汇业务forexdepositforenterprise currentforexdepositforenterprise timeforeignfxchangedepositforenterprise callforexdepositforenterprise forexcreditforexworkingcapitalloan forextemporaryloansforexshort-termloansforexmedium-termloans forexrevolvingloans forexloanswithrepaymentinInstallments forexfixedassetloan forexfixedassetinvestment forexbusinessdevelopmentandexpansion forextechnicalinnovation forexfixedassetacquisition 单位外汇存款业务活期对公外汇存款定期对公外汇存款通知对公外汇存款外汇贷款业务外汇流动资金贷款外汇临时流动资金贷款外汇短期流动资金贷款外汇中期流动资金贷款外汇流动资金循环贷款外汇整贷零偿外汇固定资产贷款外汇固定资产投资贷款外汇开发扩建贷款外汇技改贷款外汇固定资产收购贷款International?Finance国际融资业务forexmerger&acquisitionloanprojectfinanceBOT（build,operate,transfer）BT（build,transfer）exportbuyer’screditsyndicatedloanon-lendingprojectfinance internationalcommercialloanimportbuyer’screditforeigngovernmentloan foreigngovernmentmixedloan loanfrominternationalfinancialorganizations forextransferredloanf 外汇兼并收购贷款项目融资建设经营转让建设转让出口买方信贷银团贷款外汇转贷款项目融资国际商业贷款融资进口买方信贷融资外国政府贷款融资外国政府混合贷款融资国际金融组织贷款融资外汇转贷款特色融资业务billsdiscountcreditlinewexportseller'scredit financelease purchaseoftheaccountsreceivable externallaborservicecontractloandistributionpassportstart-upwinneritrustservicesinternationaldebtoffering foreignexchangeguarantee guaranteeforloantenderguaranteeperformancebond advancedpaymentguarantee paymentguarantee verificationpaymentguarantee technicalverificationpaymentguarantee deferredpaymentguarantee leaseguaranteeimportbillsforcollection exportbillsforcollection purchasingcollectionbills 信托业务境外发债融资外汇担保业务借款担保投标担保履约担保预付款退款担保付款担保验货付款保函技术交易验收付款保函延期付款担保租赁担保进口代收出口托收出口托收买单packingloanunderL/CtransferableL/Cnegotiatingexportbillsdiscountingbillssecuredladingopeningletterofguarantee foreignexchangepaymentandclearingservice settlementclearanceforforeignexchangepusiness bankingfacilityforeignexchangerateriskscover guaranteeandattestationinter-bankforeigncurrencyborrowingsandlendings assetportfoliomanagement offshorebankingbusinesstradefinancinggeneralbankingfacilitiesPackingCreditimportbillspurchaseexport(0utward)billpurchase 打包放款（信用证项下）转让信用证议付出口信用证单据（银行承兑）汇票贴现担保提货开立保函外汇清算业务外汇业务清算授信外汇保值避险担保和见证金融机构间外汇拆借理财策划离岸金融业务贸易融资综合授信打包放款进口押汇出口押汇foreigncurrencybilldiscount foreignexchangebillspurchase billsdiscounting Forfaiting Factoringnon-tradefinance 外币票据贴现 买入外币票据 票据贴现福费廷（包买票据） 保理业务 非贸易融资Bank?Card 银行卡业务peonycreditcardpeonyinternationalcard peonyMoneyLinkcard peonyIC(Smart)card peonyproprietarycard peonyphotocardpeonyco-brandingcard Long card savingscard debitcardanimalcardaccounttransfercardpre-paidconsumptioncard special-purposecard co-brandedcardGreatWall creditcardGreatWall internationalcard GreatWall creditcardinRMB pacificcard goldcardordinarycardTheWorld’sSunflower developmentcard Minsheng card Orientcard Ladycard Visacard Mastercard Diner’scardAmericanExpresscard Millioncard JCBcardFederalcard牡丹信用卡 牡丹国际卡 牡丹灵通卡 牡丹智能卡 牡丹专用卡 牡丹彩照卡 牡丹联名卡 龙卡 储蓄卡 借记卡 生肖卡 转账卡 储值卡 专用卡联名卡（认同卡） 长城信用卡 长城国际卡长城人民币信用卡 太平洋卡 金卡 普通卡 金葵花卡 发展卡 民生卡 东方卡真情卡(广发银行) 维萨卡 万事达卡 大莱卡 运通卡百万卡（日本） JCB 卡（日本） 发达卡（香港）Terms?of?Post?and?Title 岗位职务词汇chairmanoftheboard chairofboardofdirectors chiefexecutiveofficer directormanagingdirector authorizedofficer managerandheadofChinadesk generalmanager(GM) directorgeneral chiefcontroller deputygeneralmanager(DGM) chiefexecutiveofficer(CEO) chieffinancialofficer(CFO) chiefmarketofficer(CMO) topmanagermanagerfinancedirector financialmanager chiefaccountant chiefcashierchiefclerkheadclerk headofdepartmentheadtellerchiefaccountant chiefoffinance salesdirector salesmanagerdirectingstaff topmanagement middlemanagement lowermanagement 董事长董事长董事长董事总裁，常务董事代理行长中国事务部经理兼主管总经理总监总稽核副总经理首席执行官首席财务总监首席市场总监总经理经理，主任财务经理，财务处（科）长财务经理会计主任，总会计师，财务处长出纳主任主任办事员首席办事员部门主任出纳主任总会计，会计主任财务主任营业副经理；销售处（科）长销售经理领导人员最高管理层中层管理基层管理managerofbank managerialstaff officer,official financialadviser financialaccountant financialadministrator financialexecutive auditingofficers controller accountantincharge accountantconsultant 银行经理人管理人员高级职员财务顾问财务会计员财务主管人财务主管审计人员主管会计；审计员主管会计师会计师，会计员顾问managementconsultant managingagent assistantaccountant assistantgeneralmanager assistantmanager managingpartner administrativestaff officestaff operationstaff accountingclerk bankclerkofficeclerk statisticalclerk payclerkstaffclerkcashiertellercustomerclient 业务顾问经理人的代理助理会计师协理，副总经理，副总裁副理，协理办事员管理人员，行政人员办公室职员操作人员簿记员银行职员办事员统计员出纳员职员办事员出纳员出纳员顾客，客户顾客，客户Intermediary?Business(1)中间业务remittanceservices domesticremittance remittanceagency remittanceexpress commomremittance urgentremittance remittancebydraft cashremittance bankpromissorynote(bankcheck) checkcheckBookagencyservices fundagencyserviceBank-fundLinkBank-futuresLinkFortuneLink 汇兑业务国内汇兑代理汇兑汇款直通车普通汇款加急汇款票汇(汇票汇款) 汇款银行本票支票支票簿代理业务基金代理业务银基通银期通财富通bondagencyservice bondssettlementagency insuranceagencyservice financingagency safekeepingagency collectionandpaymentagency 债券代理业务债券结算代理保险代理业务代理理财代理保管代理收付settlementagencysalarypaymentagency(payrollagencyservice) wages(old-agedpension)distributionagency publicutilityfeelevyingagency issuinggovernmentbondsagency commissioncollectionoftelephonefee commissioncollectionoftelephonefeefor Unicom commissioncollectionofelectricitycharge commissioncollectionofinsurancepremium paymentthroughtelephonebanking paymentthroughmobilephonebanking networkpaymentsettlementagency agencycollectionandpayment commissionpaymentonconsignment paymentincashchargewithholdingservice 代理结算代发工资(业务)代发工资（养老金）业务代理公用事业收费代理发行国债代收电话费业务代收联通话费业务代收电费业务代收保险费电话银行缴费手机银行缴费代收付业务网上支付结算代理委托缴费现金缴费缴费业务feecollectionexpress commissionsecuritybusiness agencysecuritiesfundclearing commissiontaxwithholding commissioninsurance agencysigningofthebanker’sbill forwardsettlement 缴费通代理证券业务代理证券资金清算代理税收业务代理保险业务代签银行汇票期货结算业务clientservicecenter customerservicehotline bearertreasurycertificate visibletreasurycertificate bearertreasurycertificatewithfixed denomination????proofofpayment(paymentvouchers) aletterofentrustmentfortransfer agencycollectionandpayment agencycollectionanddeduction publicutilityFee entrustingtransferanddeduction agencyissuinggovernmentbonds foreignexchangetradingagency automatedtransferdeposit(margin)account 客户服务中心客户服务热线无记名式国债凭证式国债固定面额无记名式国债支付凭证转账委托书代收代缴费代收代扣公用事业费委托转账代交费代理发行国债代理外币买卖自动转账保证金账户billconsultancyreal-timefundstransferring countertransfer settlementbusiness domesticsettlementservice 票据查询实时资金汇划柜台转账结算业务国内结算业务draftforcollection collectionandacception commissionreceptionon-lineSettlementon-lineShopping securitiesandcapitalsettlementagency commissioncollectionandpaymentagency clientbarcodeautomaticinquirysystem paymentandsettlementagency forwardsettlement 托收汇票托收承付委托收款网上结算网上购物代理证券资金清算代理收付业务客户条形码自动查询支付结算业务代理期货结算业务notesclearing chargedbondtradingonthecounter treasurybillstreasurybondsbook-entrytreasurybill visibletreasurycertificate investmentbankingmerchantbankingconsultancy-specificfinancialservice fundstrusteeshipcash-basedsettlementpaper-basedsettlementelectronic-basedsettlement transferringsettlement accountingsettlementbusiness 票据交换柜台记账式债券交易国库券长期国债凭证式国债凭证式国债投资银行业务商人银行业务咨询性金融业务基金托管现金清算票据清算电子清算转账结算会计结算业务。