金融英语翻译练习1
金融英语练习题答案
金融英语练习题答案对于金融从业者和学习金融专业的学生而言，加强对金融英语的练习和理解是非常重要的。
下面将提供一些金融英语练习题的答案，并解释相关的金融术语和概念，帮助读者更好地掌握金融英语知识。
1. What is the meaning of IPO?IPO stands for Initial Public Offering. It refers to the first sale of stock by a company to the public. It is often used by private companies to go public and raise capital for various purposes, such as expanding their business or paying off debts.2. What does ROI stand for?ROI stands for Return on Investment. It is a measure used to evaluate the efficiency or profitability of an investment. ROI is calculated by dividing the net profit of an investment by the initial cost of the investment and expressing it as a percentage.3. What is a bull market?A bull market refers to a financial market characterized by rising stock prices and optimistic investor sentiment. It is associated with strong economic growth and positive market trends. In a bull market, investors are generally confident and willing to buy stocks, anticipating further price increases.4. What is a bear market?A bear market is the opposite of a bull market. It refers to a financial market characterized by falling stock prices and pessimistic investor sentiment. It is associated with economic downturns and negative market trends. In a bear market, investors tend to sell stocks to avoid further losses, leading to a downward spiral of prices.5. What is the difference between stocks and bonds?Stocks represent ownership in a company, while bonds represent debt issued by companies or governments. When an individual purchases stocks, they become a shareholder of the company and have the potential to earn dividends and capital gains. On the other hand, bonds are considered loans made by investors to the issuer, and they earn fixed interest payments over a specified period.6. What is diversification?Diversification is a risk management strategy that involves spreading investments across different assets, sectors, or regions to reduce exposure to any single investment. By diversifying their portfolio, investors aim to minimize the impact of potential losses from any individual investment and increase the likelihood of achieving positive returns overall.7. What is a hedge fund?A hedge fund is an investment fund that pools capital from accredited investors or institutional investors and uses various strategies to generate high returns. Hedge funds typically have more flexibility and can invest in a wide range of assets, including stocks, bonds, derivatives, and currencies.They also tend to use leverage and alternative investment techniques to achieve their investment objectives.8. What is a credit rating?A credit rating is an assessment of the creditworthiness of a borrower, such as a company or government, which indicates the likelihood of defaulting on its debt obligations. Credit rating agencies assign ratings based on various factors, including financial stability, repayment history, and market conditions. The ratings range from AAA (highest quality) to D (default).以上是对金融英语练习题的解答以及相关金融术语和概念的讲解。
金融的英语课后翻译题答案详解
中译英：一.1.金融管理是商业管理的重要方面之一,没有合适的金融计划企业是不可能成功的;Finance is one of the most important aspects of business management. Without proper financial planning a new enterprise is unlikely to be successful.2.金融中介机构的基本宗旨是把不受公众欢迎的金融资产转变为他们能够接受的金融资产;Financial intermediaries play the basic role of transforming financial assets that less desirable for a large part of the public into other financial assets-their own liabilities-which are more widely preferred by the public.3.企业经营是有风险的,因而,财务经理必须对风险进行评估和管理;Businesses are inherently risky, so the financial manager has to identify risks and make sure they are managed properly.4.投资决策首先是指投资机会,常常指资本投资项目;The investment decision stars with the identification of investment opportunities, often referred to as capital investment projects.5.现金预算常常被用来评估企业是否有足够的现金来维持企业的日常经营运转和或是否有太多现金富裕;Cash budgets are often used to assess whether the entity has sufficient cash to fulfill regular operations and/or whether too much cash is being left in unproductive capacities.6.按照金融学的观点,资本就是企业购买商品以生产其它商品或提供服务的货币资金;Capital, in the financial sense, is the money that gives the business the power to buy goods to be used in the production of other goods or the offering of a service.四.1.商业银行应积极开展银行转账功能风险评估和分类,依据收款账户的潜在风险高低,相应设置不同的转账额度和次数限制;A commercial bank shall actively conduct the risk assessment and classification of the telephone banking transfer functions, and set different limits on the transfer amount and times according to the degree of potential risks on the recipient account.2.商业银行相对其他行业属于信息化程度较高的行业,银行数据库里积累了海量的客户信息Commercial banks have gained more information and have large scale of data.3.商业银行的管理人员在分析客户的贷款申请时必须考虑许多因素;Managers in Commercial banks have to consider many factors in analyzinga customer's loan request.4.除中国银行外,交通银行、农业银行、工商银行、建设银行在城乡也都设立了许多的机构,便于你获得金融服务;Besides the Bank of China, the Communication Bank, Agricultural Bank, Industrial and Commercial Bank, Construction Bank also have created many branches in a city or town, and that makes easier for you to get financialservices.5.定期存款也叫CD,是存款证书的一种类型;A certificate of deposit, also called a CD, is a type of savings certificate.6.商业银行作为一家金融机构,其业务范围包括：从个人和公司吸收存款；通过提供贷款和其他对客户的财务或生意的运转很重要的金融业务来建立信贷,包括资金转账、支票兑现、银行保管箱等;A commercial bank is an financial institution established to: accept deposits from individuals and businesses; originate credit by providing loans and offering other financial services essential to the running of a customer's financial or business affairs, including fund transfers, check cashing, safe deposit boxes, etc.六.1.外汇交易市场,也称为"Forex"或"FX"市场,是世界上最大的金融市场,平均每天超过1兆美元的资金在当中周转 -- 相当于美国所有证券市场交易总和的30倍;The Foreign Exchange Market, called by "Forex" market or FX market, is the biggest financial market in the world with trading volumes surpassing USD1 trillion average one-day, it is as big as 30 times of stock market.2."外汇交易"是同时买入一对货币组合中的一种货币而卖出另外一种货币;外汇是以货币对形式交易,例如欧元/美元EUR/USD或美元/日元USD/JPY;“Foreign exchange” is to buy one currency and sell another in currency pair at the same time. The trading form of foreign currency is the currency pair, for example EUR/USD OR USD/JPY.3.外汇交易市场是一个24 小时全球交易市场,市场交易每天从悉尼开始,并且随着地球的转动,全球每个金融中心的营业日将依次开始 , 首先是东京,然后伦敦,和纽约;Foreign exchange market is worldwide market where operating 24 hours a day, the market trading starts from Sydney, turning around the earth , the business day of every financial center in the world will star to trade in turn, then is Tokyo, next is London, and New York.4.外汇交易投资者可以对无论是白天或者晚上发生的经济,社会和政治事件而导致的外汇波动而随时反应;Investors of FX may make decisions base on the fluctuation of foreign currency price leaded by economics, society and political events no matter happens in day time or night.5.外汇交易市场是一个超柜台 OTC 或“ 银行内部”交易市场,因为事实上外汇交易是交易双方通过或者一个电子交易网络而达成的,外汇交易不象股票和期货交易市场那样,不是集中在某一个交易所里进行的;The foreign exchange market is Over the Counter OTC or interbank market because foreign currency is traded through phone or electronic trading net in fact, the trading of foreign currency does not like stock trade, it is not intensive trading in exchange center.6.在外汇交易中,您会看到一个两边的报价,由买价与卖价组成,买价是在此价格上您拟卖掉基础货币同时买进相反货币;卖价是这个价格,在此价格上您可以买进基准货币时卖掉相反货币;You will see the price board consisted of bid price and ask price in trading of foreign currency, bid price is the price you sell your base currency at the same time buy reverse currency. Ask price is the price you buy base currency and sell reverse currency.七.1.企业融资是指企业在发展扩张中筹集所需资金的行为;Business financing is an action of raising money when firms extend business and development2.企业融资是为了满足企业战略调整、产业扩张、现金周转等方面的需要; Business financing is to meet the requirement of strategy adjustment, industry extending, and turnover of cash and so on.3.企业通过融资行为改变资本结构,使资金得以形成、集中、积累、组合,同时形成相应的产权关系和权利、责任、利益格局;The capital structure of the firm will be changed through raising money, the capital will be formed in the form of centralization, accumulation, combination, and at the same time relative property right relations and pattern of benefit, duty and right will be formed.4.内部融资的来源公司的自有资金,以及在生产经营过程中的资金积累部分,在公司内部通过计提折旧而形成现金,或通过留用利润等增加公司资本;The resource of internal financing comes from company’s internal fund, the part of fund accumulation of producing and operating, cash from depreciation, or capital from remaining earning.5.债权性融资主要有向金融机构贷款和发行企业债券两种形式;The two majority forms about debit financing are lending money from financial institutes and issuing company bond.6.目前国内企业在进行投资时采用的融资方式有股权性融资、债权性融资等; Presently financing methods used by domestic enterprises when investing are equity financing and debit financing, etc.九.1.组合投资原则,即将风险资金按一定比例投向不同行业、不同企业项目,或联合几个风险投资公司共同向一家企业投资;The principle of portfolio investment is that the venture capital is invested into different industries and different projects, or make a cooperation with other investing companies to invest a company. 2.风险投资主体多元化原则,在美国,风险资金来源相当广泛,既有政府、财团法人的资金,也有来自大众游资、民间企业和海外的投资,还有养老保险基金的积极参与;The principle of diversification of venture capital, in American, the resource of venture capital is quite widespread, it comes from government, financial institutes, and it can come from privates, private firms and oversea investment, and pension fund joint venture capital too.3.创业投资是由专业投资者投入到新兴的、迅速发展的、有巨大竞争潜力的企业中的一种股权性资本;Venture investment is an equity capital which professional investors invest to a new, developing rapidly and more competitive firm.4.随着社会经济的快速发展,如何投资、如何理财已经成为商业人士关注的焦点;With society economy high-speed development, how to invest and finance is the focal point which business men focus on.5.创业投资以其谋求长期资本收益、分散投资及专业化管理的特点适应了高新技术产业的资金需求,以其特别的投资方式、合同方式和组织架构部分地解决了信息不对称和激励约束不当所带来的问题.Venture capital is looking for long term capital return, the characteristic of diversification of investment and professional management adapts capital requirements of high-new technical industry, special investing model of venture capital, contract model and frame of organization solve problems of information asymmetry and incentive and restraint mechanisms flaw in partly.6.投资者可把目光聚焦到正在发售的银行保本基金上,这种在国际市场上大受欢迎的新型理财品种不但能够提供银行储蓄般的安全感,而且可以利用此次利率上升的机会创造更高的收益；同时,加息导致债券价格下跌,实际上提高了即将入市的银行保本基金的债券投资收益率;Investors may focus on guaranteed fund issued by bank, it is new style of financing product which is welcomed in the international market, it is not only shows the safety like bank deposit, but also make higher return with the interest rate arise, at the same time, rising interest rates will lead to fall of the bond price, and make higher return of guaranteed fund which will be issued by banks.十.1.债券买卖是指交易双方以约定的价格买卖一定金额的债券并在规定的清算时间内办理债券款交割的交易方式;Security trading is a trading model that both of seller and buyer sign a contract with the confirmed bond price and number, during settlement both of seller and buyer make a delivery.2.债券回购是指交易双方进行的以债券为权利质押的一种短期资金融通业务;资金融入方正回购方在将债券卖给资金融出方逆回购方以融入资金的同时,双方约定在将来某一日期由正回购方按约定回购利率计算的金额向逆回购方买回相等数量的同品种债券的交易行为;Redeem of security is a short term financing business that both of issuer and holder of bond takes bond as right pledge, when the borrower of fund positive redeemer sells bond to lender of fund negative redeemer for financing, both of them sign a contract in there positive redeemer will redeem the bond that he issued with redeem interest from negative redeemer before maturity of bond.3.所谓可转换公司债券是指由公司发行的,投资者在一定时期内可选择一定条件转换成公司股票的公司债券,通常称作可转换债券或可转债;这种债券兼具债权和股权双重属性;Convertible bond is security issued by firm which investors have option to convert bond into firm’s stock during holding period, the convertible bond consists of two characters of bond and stock.4.证券交易必需受SEC及证券交易所自我约束机制的监管;Security trading must be managed by SEC and self-regulating mechanism of the stock exchange.5.场外交易市场不是一个正式的证券交易所,而是由经纪人和交易商组成的一个非正式的网络,他们通过这一网络协商证券的交易;The over-the-counter market is not official security exchange market, itis unofficial network grouped by dealers and brokers, dealers and brokers exchange securities through the network.6.一级市场上的发行方式也分为两种,公募和私募;The issue model of stock in the primary market can be classified into: public offering and private offering.十二.1.新股的发行价总是超过面值的,记录在公司帐上的这个差叫附加实缴资本,也叫资本公积;The price at which new shares are sold to inverstors almost always exceeds par value,the difference is entered the company’s accounts as additional paid-in capital, or capital surplus.2.尽管股票这个名字很大众化,但是,大部分人都不是充分了解它;Despite their popularity, however, most people don't fully understand stocks.3.公司的管理层的主要任务是增加公司股票持有人所持有公司资产的价值; The management of the company is supposed to increase the value of the firm for shareholders.4.有限责任是股票的一个十分重要的特征,这意味着公司在不能支付它的债务时股票持有者没有负债责任;An extremely important feature of stock is its limited liability, which means that, as an owner of a stock, you are not personally liable if the company is not able to pay its debts.5.理解股票供求关系是容易的,但是理解人们喜欢哪些股票不喜欢哪些股票是苦难的;Understanding supply and demand is easy, What is difficult to comprehend is what makes people like a particular stock and dislike another stock. 6.一些人人为预测股票价格变化是不可能的,而一些人认为通过画图和分析以前的价格变化就能决定买卖时间;Some believe that it isn't possible to predict how stock prices will change, while others think that by drawing charts and looking at past price movements, you can determine when to buy and sell.英译中：一.1. A cash budget is extremely important, especially for small businesses, because it allows a company to determine how much credit it can extend to customers before it begins to have liquidity problems.现金预算是十分重要的,特别是对小企业,这是因为它决定了企业可以使用多大的赊销份额而不发生现金困难;2. Financial intermediaries include depository institutions commercial banks and credit union who acquired the bulk of their funds by offering their liabilities to the public mostly form of deposit. 金融中介机构包括：存款性机构商业银行和信用合作社主要通过存款的形式向公众借款,从而获得大部分资金;3. A corporation is a legally distinct from its owners, who are called shareholders or stockholders. 公司在法律上独立于其所有者,即股东;financial planning focus on the firm’s goals, the investment that will be needed to meet those goals, and the financing that must be raised. 长期财务计划是关于企业的长期目标、为实现目标所需要的投资以及因此必须筹集的资金的计划;are classified into nonfinancial and financial businesses. These entities borrow funds in the debt market and raise funds in the equity market. 企业可被分成金融企业和非金融企业两类;这些企业在债务市场借款和在权益市场融资;6. Finance is the set of activities dealing with the management of funds. More specifically, it is the decision of collection and use of funds. It is a branch of economics that studies the management of money and other assets.金融是涉及到一系列有关资金管理的活动;特别的,它是有关资金使用和筹集的决策;它是经济学的一个研究货币和其它资产管理的分枝;四. risk-based capital requirements imposed on commercial bank and saving and loan associations.对商业银行和存贷款协会实施以风险为基础的资本金要求;regulates commercial banks and thrifts and types of regulations imposed. 谁来监管商业银行与储蓄机构以及何种方式来进行;3. Banks generate income in three ways: 1the bid-ask spread;2capital gains on the securities or foreign currency used in transactions, and 3in the case of securities, the spread between interest income earned by holding the security and cost of funding the purchase of security.银行可以从三个方面产生收入：1买卖差价；2证券或外汇交易的资本利益；3证券的利息收入和购买证券资金成本之间的价格差异;4. Several types of deposit accounts are available. Checking accounts pay no interest and can be withdrawn upon demand.存款帐户有好几种,支票帐户不支付利息可以随时提取;certificate of deposit can take a wide variety of forms which are negotiable with the issuing bank. 定期存单可以采取多种多样的形式是可转让的发卡银行;that raise most of their funds from the domestic and international money markets, relying less on depositors for funds, are called money center banks.货币中心银行是指较少依赖存款,并在国内或国外货币市场筹集资金的银行;六.1,The foreign exchange market is a place to trade foreign exchange currency, or it is also a place for the transaction of all foreign currency. 外汇市场是交易外国货币或各国货币的场所.foreign exchange rate is the relative value between two currencies. In particular, it is the quantity of one currency required to buy or sell one unit of the other currency.汇率是两种货币间的相对价值, 特别是, 它是买卖一个其它货币单位所代表的本币量值.. dollars are not used to express an exchange rate, the term "cross rate" is usually used to express the relative values between two currencies.在美元被用来表示汇率的地方,套汇汇率就被用来表示两种货币间的相对价值.an online currency trader wants to survive in the business, he must learn to limit his losses. This is one of the keys to smart money management. 如果一个网络货币交易者要持续他的交易他必须学习限制损失,这是货币管理的关键点.is safer to get into a currency position in multiple lots than to do it all at once.在多个地点持有外汇头寸比同时持有多个头寸安全.Forex market itself consists of a worldwide network of primarily interbank traders connected by telephone lines and computers. FX traders constantly negotiate prices between one another and the resulting market bid/ask price for a particular currency is then fed into computers and displayed on official quote screens.外汇市场本身含有提供给银行交易者通过线和计算机连接的全球范围的网络,外汇交易者讨论的汇率价格产生了市场上某种货币的报价和询价并通过计算机系统显示在交易屏幕上.七. you have too much debt, your business may be considered overextended and risky and an unsafe investment.如果你的企业负债比重过高,投资者则会认为企业是扩张过度,对投资者来说是不安全和高风险的;financing is attractive because you do not have to sacrifice any ownership interests in your business, interest on the loan is deductible, and the financing cost is a relatively fixed expense.债务融资对企业权益者是有吸引力的因为债务融资不会牺牲权益者的利益,借款利息可在收益中扣减,财务成本是相对固定费用.corporation is a separate legal entity that can be created only by compliance with state statutes.公司是一个其所有权与经营权相分离的经济实体即法人组织,公司的成立要遵守洲法.partners raise equity funds through their own capital contributions, by adding a new partner, or by restructuring the relative ownership interests of the existing partners to reflect new contributions.合伙人企业可通过出让合伙人自己的资本份额,或增加合伙人的方式来增加企业资本,或采用对原有合伙人所拥有的相对资本份额进行重组的方式来反映新的资本.financing requires that you sell an ownership interest in the business in exchange for capital.权益融资需要企业所有者出让企业的所有权利益来换取资本.major disadvantage to equity financing is the dilution of your ownership interests and the possible loss of control that may accompany a sharingof ownership with additional investors.权益融资的主要缺点是稀释了所有者的利益,随着其他投资者所占权益份额的扩大企业控制权也可能失去.九. is when everything in the economy is great, people are finding jobs, is growing, and are rising. Things are just plain rosy during a bull market is easier because everything is going up.牛市意味着经济发展强劲,工作岗位多,GDP 增长,股票价格上升.前景变得光明.在牛市期间投资股票将有丰厚收益因为所有物品的价格都将上升.markets cannot last forever though, and sometimes they can lead to dangerous situations if stocks become overvalued.牛市不可能永远持续,如果股票价格被高估则牛市就将导致崩盘.a person is optimistic, believing that stocks will go up, he or she is called a "bull" and said to have a "bullish outlook."如果一个人乐观的认为股票价格将上升,他或她被称做”多头”和有一个行情看涨的形象.investments it is critical to distinguish between an expected return the anticipated return for some future period and a realized return the actual return over some past period. Investors invest for the future—for the return they expect to earn—but when the investing period is over, they are left with their realized returns.投资学对期望收益预测的将来某时间段的收益和已实现收益过去某时段的实际收到的收益有严格的区分.投资者投资为将来-他们希望获取的收益-但是在投资周期结束后,他们只得到实际的收益.investors actually earn from their holdings may turn out to be more or less than what they expected to earn when they initiated the investment. This point is the essence of the investments process: investors must always consider the risk involved in investing.投资者在投资期间实际得到的收益与他们初始投资所预想的收益或多或少有差异.投资过程的关键点是:投资者在投资时必须牢记风险的成在.are three important factors you need to consider before buying a bond. The first is the person issuing the bond. The second is the interest or coupon you will receive. The third is the maturity date, the day when the borrower must pay back the principal to the lender.在投资债券前你要考虑三个重要因素:第一是债券发行人;第二是你将得到的利息或折扣;第三是到期时间, 在到期日债券发行人必须将本金退给债券持有人.十. higher rate of return the bond offers, the more risky the investment. There have been instances of companies failing to pay back the bond default, so, to entice investors, most corporate bonds will offer a higher return than a government bond.债券收益率越高投资风险越大,已有公司不能在到期日偿还债券本金违约的先例,所以, 为了诱使投资者购买公司债券大多数公司都发行高于政府债券利率的债券.is important for investors to research a bond just as they would a stock or mutual fund. The bond rating will help in deciphering the default risk.象研究股票和共同基金样研究债券对投资者来说是必要的, 辨别债券等级将有助于识别违约风险.interest is added to the contract price of a bond transaction.应计利息要加到债券交易合同价格中.Gain. An increase in the value of a investment or real estate that gives it a higher worth than the purchase price. The gain is not realized until the asset is sold. A may be short term one year or less or long term more than one year and must be claimed on income taxes.资本利得是资本价值投资或不动产的增加,也就是高于购买价格的增值部分,利得只有在这些资产出售后才能实现, 资本利得可以是短期一年以内或长期一年以上, 资本利得必须征税.any other type of investment vehicle, fixed-income securities should be viewed in terms of their risk and return. Generally speaking, bonds are exposed to five major types of risks: interest rate risk, purchasing power risk, business/financial risk, liquidity risk, and call risk.象任何其它投资工具一样,固定收益证券也应该按照它们的风险和收益来进行评价. 一般看来, 证券有五种主要的风险:利率风险,购买力风险,商业风险,流动性风险和回购风险.far we've discussed the factors of face value, coupon, maturity, issuers and yield. All of these characteristics of a bond play a role in its price.到目前我们已经讨论了债券的面值,利息率,到期日,发行人和收益,全部这些特征都会影响到债券的价格.十二. splits,like stock dividents, do not increase the assets or earning capacity of the firm,the split does decrease the price of the stock and thereby may increase its marketability.股票拆分与股票股利一样,并不能增加公司的资产或者提高公司的盈利能力,拆分降低了股票的价格,从而增加了股票的流动性;may repurchase shares to reduce the chance of an unwanted takeover attempt.管理层可以回购股票来避免公司被收购;two most important characteristics of common stock as an investment are its residual claim and limited liability features.作为投资的普通股的两个最重要的特征是剩余索取权和有限责任;stocks are traded on exchanges, which are places where buyers and sellers meet and decide on a price.大部分股票都是在证券交易所交易,买卖双方在那儿搓合股票价格;5. The most important factor that affects the value of a company is its earnings. Earnings are the profit a company makes, and in the long run no company can survive without them.6. Stock prices change every day as a result of market forces. By this we mean that share prices change because of supply and demand. If more people want to buy a stock demand than sell it supply, then the price moves up.由于市场的原因股票价格每天都在变化,股票价格是由于供求关系的原因而变化的,如果买的人比卖的人多则股票价格上升;。
(完整版)金融英语句子翻译
Chapter 11. However, research has shown that countries often reversed the steps mentioned above and sterilized gold flows, that is sold domestic assets when foreign reserves were rising and bought domestic assets as foreign reserves fell. Government interference with private gold exports also undermined the system. The picture of smooth and automatic balance of payments adjustment before World War I therefore did not always match reality.然而，研究表明各国经常反道而行之，他们制止黄金的流动，也就是说，当外国储备升高时他们售出国内资产，而当外国储备下降时，他们购买国内资产。
政府对私人黄金出口的干预也破坏了该体系。
第一次世界大战前平衡自动的国际收支调整情形常常与现实不相吻合。
2. The gold standard regime has conventionally been associated with three rules of the game. The first rule is that in each participating country the price of the domestic currency must be fixed in terms of gold. Since the gold content in one unit of each currency was fixed, exchange rates were also fixed. This was called the mint parity. The second rule is that there must be a free import and export of gold. The third rule is that the surplus country which is gaining gold, should allow its volume of money to increase while the deficit country, which is losing gold, should allow its volume of money to fall.金本位制按惯例与三条规则有关联。
《金融专业英语》习题答案
Chapter One Functions of Financial Markets 一．Translate the following sentences into Chinese.1.China’s banking industry is now supervised by the PBC and CBRC. In addition, the MOFis in charge of financial accounting and taxation part of banking regulation and management.目前中国银行业主要由中国人民银行和银监会进行监管。
此外，财政部负责银行业监管的财务会计及税收方面。
2.Currently Chinese fund management companies are engaged in the following business:securities investment fund, entrusted asset management, investment consultancy, management of national social security funds, enterprise pension funds and QDII businesses.目前中国的基金管理公司主要从事以下业务：证券投资基金业务、受托资产管理业务、投资咨询业务、社保基金管理业务、企业年金管理业务和合格境内机构投资者业务等。
3.China's economy had 10% growth rate in the years before the world financial crisisof 2008. That economic expansion resulted from big trade surpluses and full investment.Now China is seeking to move away from that growth model. The country is working to balance exports with demand at home.在2008年世界经济危机之前的那些年，中国经济增长速度曾达到10%。
金融英语练习答案
金融英语练习答案:Lesson 1I. 1.need 2.specialization 3.double coincidence of wants 4.exchange rate 5. money6.medium of exchange7. Commodity money such as cornmodity / common standard value9. store of wealth 10.parchasing power 11.Banknotes. 12.Fiduciary money 13.redemption rate 14.Fiat money 15. legal tender 16.fiduciary money 17.paper money 18.price level 19.reserve rax 20. checkII Translation:1.Money mainly serves three functions :a medium of exchange, a standard of value and a store ofwealth.2.The greater the specialization in the division of labor increased ,the more difficult in finding goodsthat have a double coincidence of wants.3.The value of money is reflected by its purchasing power.4.Fiat money is declared legal tender by the government ,meaning that creditors must accept it aspayment for debt.5.The bearers/holders of fiduciary money may require bank to redeem for gold or other valuablecommodity.6.The fractional reserve banking system requires the banks to keep certain reserve ratio.7.The money that most countries in the world use today is fiat money.8.The wide application of fiduciary money reduces that cost of transactions.9.There were several metals which have been used as commodity money in the history, such as iron,copper, gold ,silver and so on.10.The value of fiat money lies in that people believe that it can be exchanged for commodity andservice.Lesson 2:I.1.investors 2.consumoption / saving 3.enterprises 4. savings 5.investment 6.home7.loan 8.deposit 9.uill rise 10.fallII1.The interest rate refers to the ratio of the interest amount to the proceeds deposited and loaned in agiven period.2.Interest is the price of capital; which is like the market price for general commodity .Theoretically ,itis determined by demand and supply.3.China’s interest rate has been adjusted and reformed for several times .Before 1978,the policy ofgradually rising interest rate was adopted.4.The mutual relation of all kinds of interest rate comprises the structure of interest rate. Generally ,theinterest rate of longer tenor is higher than that of shorter tenor in terms of the same kind of interest rate.5.Among various interest rate, the interest rate for deposit is lower that for loan; the interest rate offeredby commercial bank is higher than discount rate offered by the central bank.6.At present ,China’s interest rate system consists of the interest rate of bank, non-bank financialinstitution, portfolio and market.7.The discount rate offered by central bank refers to the discount rate for the instrument held by thecommercial banks. it reflects the redemption rate for the amounts of rediscount instrument.8.Due to free competition ,the demand and supply of currency borrowing and lending tend to bebalanced out through market mechanism .in this case ,the market interest rate is called equilibrium rate.9.The bond interest rate is interest rate paid by the government, banks and corporation for theaccommodation in the form of issuing, securities in domestic or foreign financial markets.10.The interest rate for corporate bond is basically determined by the bond issuing corporation itself, butthe government exercises control by setting the ceiling.Lesson 3:I.1.Firrancial intermediary 2.demard deposit /checking account 3.savings and loan associations, mutual savings bank and credit union. 4.Federal reserve system ernment securities/require that member banks hold reserves equal to some fraction of their deposits. 6.Feder Reserve Board 7.Federal Open market committee 8.reserve requirements 9.the ceiling 10. interest rate level 11.portfolios 12.outstanding loans 13.were deregulated 14.deposit insurance 15.merge with other banks 16. automatic teller machines 17.By pooling funds of many share holders 18.branches 19.The banking holding company 20.financialII1.Federal Reserve System was established in 1914,with its aim to stabilize the banking system. thepower of the Federal Reserve System was enhanced and centralized after the failures of many American banks in the Great Depression. The Arts passed in1980s authorized the Federal Reserve System with the power to regulate all the saving institutions. The main powers of Federal Reserve System were:(1)guide the transactions of open market so to control supply of money by buying and selling government securities,(2)determine the reserve requirements for saving institution (3)setting rediscount rate.2.The banking regulations in Great Depression made bank a trade that closely controlled andpredictable. But the high interest rate in 1970s disturbed the peaceful days of saving institutions. But many banks still couldn’t survive in the transive period of keen competition.Lesson 4:1.as a result of /helped to /by the time2.concerned about/at the outset3.offerd to take/in dollars/departure fromTransaction account is checking account which can write checks on deposits balance. They have three forms, the first one is “Demand Deposit”which banks don’t pay explicit interest; the second one is “ other checkable deposits”, which includes NOW(Negotiable Order of Withdrawal)accounts; the third one is Money Market Deposit accounts. Although banks can’t pay explicit interest on demand deposit, they can pay implicit interest in the form of proving free services. Different from NOW accounts, commercial banks don’t need to maintain reserves, so banks pay higher interest on the NOW accounts. At present, transaction account is the second largest debt form of the commercial banks.Lesson 5I1.as well as 2.in total assets 3.intermediate 4. title 5.an agent 6.Financial instruments 7.pay 8.as par 9.documentary letters of credit 10.prof-of –shipment documents . 11. HedgingII. Translation:Lesson 6I.1.bank 2.discount 3.buyers/sellers 4.short-term 5.borrowing/lending 6.deposits7.brokers 8.loans 9.linked 10.marketII Translation:1.The activities of money market mainly aim at keeping the liquidity of assets so that they can bechanged into cash on demand.2.On one hand, the money market meets the demand for short-term money of borrowers, one the otherhand, it finds a way out for lenders who have temporary excessive money.3.The Financial instruments of money market mainly are short-term treasury bill, commercial bill, bankacceptance, certificate of deposits, the tenors of these instruments range from one day shortest to one year longest.4.The participants of buying and selling short-term assets in the money market are individuals, businessfirms, various financial institutions, and governments. They act either as the provider of funds or as the demander of funds.5.As the intermediary of money market, various financial institutions have different functions inaffecting the demand for and supply of funds in the capital market, because their stress of importance on business if different.6.The commercial banks provide the money market mainly with short-term loans mainly with themoney obtained from deposits and other sources.7.In many countries, commercial banks are in the position of key importance in the money market,while the central bank controls commercial banks by various means so as to control money market. 8.Just as a country can’t be without a government, the money market can’t be without a central bank,whose activities in money market will affect the volume of money and interest rate at any time.9.The inter-bank market refers to the market where financial institutions solve the problem of excessiveor short of money by financing one another.10.With the development of the reform of financial system in our country, the inter-bank markets startedto develop rapidly.Lesson 7I.1.firms 2.inter rate /exchange 3. regional exchange 4.negotiable 5.exchange6.bond7.funds8.outstanding9.brokers 10.dealers.II. Translation:1.According to the situation of various countries, the issuance of government bonds adopts the methodof raising money from public, which can be divided into direct and indirect ones.2.The government bonds outstanding are not all held by individuals, but by the government units,financial institutions and the public commonly.3.The government should keep a stable increase for the issuance of securities, if the market price for thegovernment bonds often fluctuate, the investors will be reluctant to hold the government bonds.4.Corporate bonds are the certificates that the business owes to the public, it is the issuing corporationthat makes a promise to pay certain amount of money plus interest at a fixed date in future.5.The better the credit standing of a company, the longer maturity of the bond is ,but the solvency ofcorporate bonds cannot be compared with that of government, so the longest tenor of corporate bond will not be very long.pared with stock investment, the holders of corporate bonds can only have the interest income asthe fixed reward for the investment, but they can’t share the profit of the corporation like share holders.pared with stocks, corporation bonds have lower risks, but the safety can’t be compared to that ofgovernments bonds, that’s why the return ration is always higher than government bonds.8.With the rapid development of capitalist industry, shareholding corporation system becomesirresistible trend.9.The price of stocks are of substantial fluctuation, which makes investment of stocks very speculative.10.The market price of stocks is subject to the status of operation, allocation of profits, as well as to theeconomical, political social factors that make the price of stocks more volatile.Lesson 8I. 1.foreign 2.activities/lend 3.standing 4.role 5.independent 6.consortium banks7.money 8.bond 9.subsidiary 10.EurocurrencyII. Translation:1.In most countries, commercial banks all establish international department or foreign department inorder to deal in foreign exchange or to raise money for foreign trade.2.Due to the development of international banking business and the establishment of the bank’soverseas network organization, commercial banks of western countries become real multinational banks.3.The international network of the multinational bank includes branch, subsidiary, correspondent,resident representative and so on.4.The activities of the multinational bank through exclusive international network are retail deposit,money market activities, foreign trade financing, corporation loans, foreign trade business, investment business, trust business and so on .5.Because most of the clients of the multinational bank are large corporations and banks, they mainlydeal in retail deposits with few retail loans.6.The multinational banks put surplus money into money market when the demand is low, but raisemoney when demand is on rise.7.The tenor of foreign trade financing is usually short with high return, mostly denominated in thecurrency other that of the country where the bank locates.8.Corporation loans refer to the loans given to private business, state-owned business, especially to themultinational corporation.9.Foreign exchange business includes buying and selling foreign exchange and hedging conducting inforeign exchange market for the clients.10.Investment business refers to the underwriting of international securities and the distribution activities,as well as advisory service for customers and governments in the issue of securities.Lesson 9I.1.short-term 2.medium-term /long-term 3.restrictions 4.deposits 5.absence6.Euro currencies7.borrowers abroad8.entities9.deposits 10. convertibleII. Translation:1.Eurodollar refers to the deposits denominated in US dollar in various banks outside USA andEuropean branches of American banks, as well as the loans obtained by these banks.2.Off-shore money market is concentrated by Eurocurrency market , which is habitually called theEurodollar market, because the currency traded in this market is mainly Eurodollar.3.Eurobanks deal in Eurocurrency business which is strictly separated from domestic banking.4.London in the largest Eurodollar market, engaging in both deposit and loan, with huge volume oftransactions.5.Eurobank’s business usually not subject to local banking rules, such as deposit rate and maturity,therefore, banks can compete freely to attract customers.6.The interest rate for Eurodollar deposit is higher than for US domestic deposit since there is noreserve requirement for Eurodollar deposit nor premium insurance.7.The emergence of Eurodollar is due to the deficit of American balance of payments The accumulationof huge deficit and the outflow of large amount of US dollar resulted in substantial increase of Eurodollar deposits.8.The brokers or dealers of American stock Exchange often borrow Eurodollars from Eurodollarmarket.9.The Eurodollar market is a short-term wholesale market of inter bank, it functions in Europe asproviding banks with liquidity like the federal fund market in USA.10.Banks put the money in the Eurodollar market when the liquidity is excessive and borrow moneywhen the liquidity is in squeeze.Lesson 10I. Part(1)1.the creation of money 2.cooperative /voluntarily 3.external/economic reforms4.the par value system5.on demand6.stable/predictable/disadvantages7.float8.quota subscriptions 9.needy/favorable 10.buying power/importsPart(2)1.subsidize 2. internal 3.bargain 4.peg 5.payments 6.assistance/sufficient7.stabilizing/strengthening 8.repay/repayment period 9.effectively11.lower/export/governmentII. Translation:1.The fund shows great concern over the internal economic policies of its member countries.2.The Fund is a cooperative institution, overseeing/supervising and monitoring the foreign exchangepolicies its member countries.3.The exchange of currency is the center of financial connection/relation among various countries, aswell as a dispensable tool of world trade.4.Due to constant fluctuation of exchange rate for major/leading currency, the dealers of foreignexchange may gain profit or suffer loss.5.The convertibility of currencies facilitates tourism, trade and investment in a worldwide scale.6.By analyzing the wealth and economic status of each member the fund determines the quotasubscription for each member. The richer the country is, the higher quota it Subscribes.7.Since the abandonment of the par value system, the membership of the Fund has agreed to allow eachmember to choose its own method of determine an exchange value for its money.8.Man large industrial nations allow their currencies to float, other countries peg the value of theircurrency to that of a major currency of a group of currencies so that, for example, as the U.S. dollar rises in value their own currencies rise too.9.The source of finance of the Fund mainly comes from the quota subscription of its member countriesat the same time, the Fund also borrows money from member governments or their monetary authorities.10.The Fund lends money according to regulation to the member countries with a payments problem,due to their expenditure in foreign exchange exceeding income.Lesson 11I. Part(1)1.catalyst 2.equity 3. creditworthy 4.reschedule/made 5.carry6.fourfold7.share8.foreign exchange9.attained 10.indexPart(2)1.productivity 2.affiliates 3.self-sustaining 4.call up 5.quota/economic strength6.a third/raised7.politicalitary/political9.enjoined 10.indexII Translation:1.The IBRD has more than 140 member countries, which all subscribe quotas to the bank.2.The IBRD gives loans only to creditworthy borrowing countries for the project that has a high realrates of economic return.3.The IDA gives loans only to poorest countries with a annual GNP per capita lower than $795.Actually, 80% of IDA’s loans are given to the countries with annual per capita GNP lower than $410.4.The IDA gives loans only to the government of the borrowing countries, with maturity of 50 years(repayable over 50 years) with grace period of 10 years, no interest.5.In the past decade, the volume of the IBRD’s loans have increased by fourfold.6.The IBRD has helped to develop agriculture, improve education, increase the output of energy,expand industry, create better urban facilities, promote family planning, extend telecommunications network, modernize transportation systems, improve water supply and sewerage facilities, and establish medical care.7.It’s hard to say that the IBRD’s decisions on loans are not influenced by the political character of theborrowing countries.8.Some of the earliest borrowing countries of the IBRD have graduated from the reliance on the IBRD’sloans, in return they become the provider of the IBRD’s finance source.9.The IBRD and IFC jointly provide funds for many projects.10.The more quota the member country subscribes, the more votes it gains.Lesson 12I . Part(1) 1.foster 2.raise 3.subregional/regional 4.multilateral 5.cost-effective6.evaluation7.weighted8.proportional9.paid in 10.developrnental Part(2) 1.equity 2.private 3.subscriptions 4.installment 5.subscribed6.coordinate7.procurement8.absorb9.pooling 10.bidsII. Translation:1.The purpose of the ADB is to provide fund and technical assistance to its developing membercountries in the Asia-Pacific region and to promote investment and foster economic growth.2.The shortage of capital, lack of skilled labor, poor technology, limited markets and the vagaries ofnature have impeded the economic development of the developing countries.3.The Bank’s Charter provides that the capital owned by the Asia-Pacific member countries should notbe less than 60% of total equity.4.Multilateral institution plays an important role in the economic development.5.The projects for bank financing are identified after strictly evaluated.6.The ADB keeps close working relationship with the United Nations as well as all kinds of specialinstitution.7.Some member countries in Asia-Pacific region voluntarily increase their subscriptions.8.The main subscribers of the ADB have no veto. In practice, decisions are reached by process ofdiscussion rather than by voting.9.The capital structure of the ADB is crucial/vital key to its loan/financing capacity.10.The ADB is authorized to make and guarantee loans to its member countries.Lesson 13I 1. surplus 2.surplus 3.deficit 4.capital 5.demand 6.supply 7.supply/demand8.outstanding 9.demand 10.supplyII. Translation:1.Just as a country’s domestic economy should have a financial record, a country’s authority should alsohave a statistical summery for all the external economic and financial transaction of its residents.2.The content of the balance of payments concept differs in different historical stage.3.In narrow sense, the balance of payments is defined as the receipts and payments arising frominternational trade or receipt and payments in foreign exchange.4.The balance of payments is a kind of statistic statement in the given period, which reflects thetransactions of goods, services and incomers of an economy.5.The statement of balance of payments is a kind of material that statistical financial transactions in thegiven period according to the form stipulated by IMF.6.The items entering into credit includes goods and services provided from abroad and so on.7.The items entering into debit includes goods and services obtained from abroad and so on.8.Receipts and payment arising from international trade is the most important item in current account,which comprise export and import of various commodities. Generally, the export and import of commodities account for the biggest proportion in the international transactions.9.Capital account reflects the changed of a country’s foreign assets and liabilities. The financial assethere doesn’t include monetary gold and Special Drawing Rights.10.In order to alter the deficits of our country’s balance of payments, the government adopts a series ofpolicies and measures, for examples, reduce domestic basis construction, adjust the structure of exporting and importing commodity, improve the environment for foreign investment, lower the exchange rate of our currency to the main currencies in the world, and so on.Lesson 14I .1.strike 2.The exchange rate 3.bank deposits 4.coordinates5.Arbitraggeurs6.discrepancies7.depreciation8.appreciation9.foreign exchange market 10.speculatorsII. Translation:1.It’s vitally important for those who are engaged in international finance to be aware of the tender offoreign exchange market.2.As long as the foreign exchange floats, there always exist the risks of change of foreign exchange rateand interest rate.3.The arbitrageurs make profits by taking advantage rate across markets to buy low and sell high.4.The buyers and sellers come to an agreement of transaction according to the exchange rate of twocurrencies.5. A greater demand for foreign goods and services means a greater demand for foreign exchange.6.The view that the price of us dollar will fall might note be wrong.7.If more people want to exchange pound into US dollar, the change of exchange rate is favorable to USdollar, and unfavorable to pound when the demand exceeds the supply.8.If the supply of certain goods is excessive, the demand for the goods will go down/decline.9.To devaluate a country’s currency can encourage export.10.There are tow ways to express foreign exchange rate.Lesson 15I. Part (1) 1. fluctuate 2.predictable 3.Capital flows 4.manufactured 5.speed6. refinements7.open/bonds/exchange8.devaluation9.nominal10.halvePart(2) 1.devalues 2.priced 3.demand 4.expectations 5.profit 6.fund7.closed 8.reduces 9.real 10.verticalII. Translation:。
金融英语翻译
金融用英语怎么说finance和banking都是金融的英语。
1、finance。
读音：英[ˈfaɪnæns]；美[fəˈnæns, faɪ-, ˈfaɪˌnæns]。
词性：n.和vt.。
做名词时意为金融，作动词时意为为…供给资金，从事金融活动；赊货给…；掌握财政。
变形：过去式：financed；过去分词：financed；现在分词：financing；第三人称单数：finances。
例句：The finance minister will continue to mastermind Poland's eco nomic reform.翻译：财政部长将继续策划波兰的经济改革。
2、banking。
读音：英[ˈbæŋkɪŋ]；美[ˈbæŋkɪŋ]。
词性：n.和v.。
做名词时意为金融，做动词时意为堆积(bank的现在分词)；筑（堤）；将（钱）存入银行；（转弯时）倾斜飞行。
例句：His government began to unravel because of a banking scand al.翻译：他的政府由于一起金融丑闻而开始瓦解。
扩展资料金融的常见英文词组：financial ratios、financial stringency、financial ref orm。
1、financial ratios。
释义：财务比率。
中文解释：财务比率是财务报表上两个数据之间的比率，这些比率涉及企业管理的各个方面。
例句：Ratio analysis is the process of determining and evaluating fin ancial ratios.翻译：比率分析是指对财务比率进行决定和评价的过程。
2、financial stringency。
发音：[faɪˈnænʃ(ə)l ˈstrindʒənsi]。
释义：金融呆滞。
金融专业词汇翻译拓展训练
金融专业词汇翻译拓展训练为了提高金融专业学习者的翻译能力，拓展金融词汇储备，本文为你提供一些金融专业词汇翻译的训练。
通过理解和翻译这些词汇，你将能够更好地理解金融领域的相关概念和术语。
以下是一些常见的金融词汇及其翻译。
1. Asset management - 资产管理Asset management refers to the professional management of various types of assets, such as stocks, bonds, and real estate, to optimize investment returns.2. Investment portfolio - 投资组合An investment portfolio refers to a collection of different investments, such as stocks, bonds, and mutual funds, held by an individual or an organization.3. Hedge fund - 对冲基金A hedge fund is an investment fund that pools capital from accredited individuals or institutional investors and employs various strategies to generate high returns.4. Equity - 股权Equity represents ownership in a company and can be in the form of common stock or preferred stock.5. Capital market - 资本市场The capital market refers to the financial market where long-term debt and equity securities are bought and sold, including stock markets and bond markets.6. Derivative - 衍生品A derivative is a financial contract whose value is derived from an underlying asset, such as stocks, bonds, or commodities.7. Foreign exchange market - 外汇市场The foreign exchange market is where currencies are bought and sold, facilitating international trade and investment.8. Risk management - 风险管理Risk management involves identifying, assessing, and prioritizing risks in order to minimize potential losses and maximize opportunities.9. Liquidity - 流动性Liquidity refers to the ease with which an asset or security can be bought or sold without impacting its market price.10. Initial public offering (IPO) - 首次公开发行An IPO refers to the process of offering shares of a private corporation to the public for the first time.11. Mortgage - 抵押贷款A mortgage is a loan used to finance the purchase of real estate, with the property serving as collateral for the loan.12. Credit rating - 信用评级A credit rating is an assessment of the creditworthiness of an individual, company, or country, indicating the borrower's ability to repay debts.以上是一些常见的金融专业词汇及其翻译，通过积累和理解这些词汇，你将能够更好地理解金融领域的相关知识和术语，并提升翻译能力。
金融英语1-期末
金融英语1-期末第一课 I I . Translate the term s. 1 . credit union 参考答案信用协会 2. savings account：参考答案储蓄账户 3. portfolio：参考答案资产组合 4. m ortgage：参考答案不动产抵押贷款 5. ATM：参考答案自动提款机 6. debt consolidation：参考答案债务重整 7. 支票账户：参考答案 checking account 8. 存款：参考答案 deposit (savings) 9. 资产：参考答案 asset 1 0. 信用卡：参考答案 credit card I I I .Translate the following sentences into English: 1 . 金融中介使小额储户和借款人能得益于金融市场的存在，因此提高了经济效率。
参考答案 Financial interm ediaries allow sm all savers and borrowers to benefit from the existence of financial m arkets, thereby increasing the efficiency of the econom y. 2. 一些经济学家认为，发展中国家经济发展缓慢的原因之一是他们不具备发达的金融市场。
参考答案 Som e econom ists think that one of the reasons that econom ies in developing countries grow so slowly is that1/ 15they do not have well-developed financial m arkets. 3. 你把钱存入支票账户，在需要付款或获取现金时你可以开支票。
参考答案 You deposit m oney into a checking account and then write checks when you need topay for som ething or get cash.4. 储蓄账户是一种安全、方便的存款方式。
金融英语练习题(附答案)
Multiple Choice1. The People’s Bank of China shall have the power to demand financial institutions to submit balance sheets, statements ofD and other financial and accounting reports and materials in pursuance of regulations.A. accountB. financial positionC. cash flowD. profit and loss2. A credit card such as Visa will D .A. gurantee chequesB. enable the holder to cash cheques at any bankC. enable the holder to buy goods on creditD. enable the holder to buy goods, up to certain amounts, on credit from certain persons3. Foreign trade can be conducted on the following terms except for DA. open accountB. documentary collectionC. documentary creditsD. public bonds4. Customers trading abroad in foreign currencies may protect against the exchange risk by arranging C .A. a contract of international sale of goodsB. a contract of marine insuranceC. a forward contract to fix the exchange rate in advance5. The danger to the exporter in open account trading is that by surrendering the shipping documents to the importer, heB before he has obtained payment for them.A. is in control of the goodsB. losses control of the goodsB. retain control of the goods D. gives up control of the goods6. Leasing is an arrangement whereby one party obtains on a long-term basis A which belongs to another party.A. the use of a capital assetB. the use of a current assetC. the use of working capitalD. the use of current liabilities7. From a Chinese bank’s point of view, the currency account which it maintains abroad is known as , while a RMB account operated in China for a foreign bank is termed B .A. a vostro account, a nostro accountB. a nostro account, a vostro accountC. a mirror account, a nostro accountD. a vostro account, a mirror account8. Find the interest on US $65,000 for 14 days at 3 percent per annum.B .A. US $37.91B. US $75.83C. US $113.74D. US $227.499. Which of the following can not be included in the functions ofmoney?D 。
金融英语英译汉 汉译英 翻译
绝对收益 开放式基金 看跌期权 看涨期权 离岸市场 利差收入 利率风险 联邦基金利率 联邦基金市场 流动性 流动性风险 内部市场(国民市场) 年结算利率 年金 欧洲市场 拍卖市场 分界点 期权合约 期限中介 签约成本 前段费用 区域性银行 权益工具(剩余索取权) 权益市场 人寿保险公司 认购/赎回单位交易 融资流动性风险 伤残保险 商业银行 市场导向型对冲基金 市场风险 市场流动性风险 市场失灵 收费基金 收敛交易型对冲基金 水平费用 搜寻成本 套利 套利策略 贴现窗口 贴现率 通货膨胀风险 投资的(可变的)全能人寿保险
负债 个人退休账户 个人银行业务 公司信用合作社 公司银行业务 公司重组型对冲基金 共同基金 购买力风险 股份制保险公司 固定缴费计划 固定收益计划 固定收益证券 管理费 管理资产 国际银行业务 国家信用社股份保险基金 国家信用社管理局 核心资本金 后端费用 互助制保险公司 混合养老金计划 活期存款 货币市场 货币市场共同基金 货币中心银行 机构投资者 机会主义型对冲基金 基于业绩管理费 激励费 即期市场 价格发现过程 间接投资 监管风险 健康保险公司 交割风险 交易对手违约风险 交易所交易基金 结构性赔付 金融行为监管 金融机构监管 金融中介 竞争市场
absoltue return(2) Open-End Funds(7) put option(1) call option(1) offshore market(1) Spread income (3) interest rate risk（3） Federal funds rate(3) Federal funds market(3) Liquidity(1) liquidity risk(2) internal market(national market)(1) crediting rate(6) Annuity(6) euromarket(1) Auction market(1) Breakpoint(7) options contracts(1) maturity intermediation(2) contracting costs(2) Front-end load(7) Regional bank(3) Equity Instrument (or Residual claims)(1) equity market(1) Life Insurance company(6) Creation/redemption units(7) funding liquidity risk(2) Disability Insurance(6) commercial bank(2) market directional hedge fund(2) market risk(2) market liquidity risk(2) market failure(1) Load funds(7) convergence trading hedge fund(2) Level load(7) Search costs(1) arbitrage(1) arbitrage strategy(2) Discount window(3) Discount rate(3) inflation risk(1) Variable universal life insurance(6)
《金融专业英语》习题集
Chapter One Functions of Financial Markets一．Translate the following specialized terms into Chinese1.China’s banking industry is now supervised by the PBC and CBRC. In addition, the MOFis in charge of financial accounting and taxation part of banking regulation and management.1。
中国银行业现在由央行与银监会监管。
此外，财政部是在财务会计和银行监管和管理税务部主管。
2.Currently Chinese fund management companies are engaged in the following business:securities investment fund, entrusted asset management, investment consultancy, management of national social security funds, enterprise pension funds and QDII businesses.2。
目前中国基金管理公司从事以下业务：证券投资基金，委托资产管理，投资咨询，全国社会保障基金的管理，企业年金基金及QDII业务。
3.China's economy had 10% growth rate in the years before the world financial crisisof 2008. That economic expansion resulted from big trade surpluses and full investment.Now China is seeking to move away from that growth model. The country is working to balance exports with demand at home.3。
金融英语练习第一章
金融英语练习第一章姓名_____________________ 学号：_____________________1. Complete each statement of the following with the best one:1. In order to facilitate purchases in the future, we require a commodity that can be used asA. a store of valueB. a legal tenderC. a medium of exchangeD. a standard of deferred payment2. Because of the functions of a store of value and a unit of account, a debt stated in dollars can be repaidA. with any commodities as you likeB. to meet the needs of the sellerC. in money at a later date plus interestD. at any time if we have the currency3. The extent to which money can be “socially acceptable” depends onA. the value of the commodity used as moneyB. people’s confidence in using or owning moneyC. what is selected as moneyD. standard of unit of value4. A government bond states the face value in terms of dollars and when the bond matures, the government pays the bondholder the face value of the bond in dollars, which is the function of ____ of money.A. medium of exchangeB. a unit of accountC. store of valueD. standard of deferred payment5. If you want to store money for future purchases, you can __ unit there is a need.A. leave it in a bank accountB. exchange it for other types of commodityC. trade it for valuablesD. defer the payment6. The production of money should be restricted either through legislation or a limited supply because ____ if anyone could produce money with little cost.A. it is not safe to have too much moneyB. money is too easy for people to produceC. money would lose its value as a medium of exchangeD. money would not be accepted universally7. The Fed places the MMDAs and MMMFs in ___ along with savings and time deposits in consideration ofthe two forms of money mainly used for savings and only secondarily for transactions.A. M1B. M2C. M3D. reserves8. Much attention is focused on the rate at which the money supply grows because money growth ___ inflation,unemployment, and general economic activity.A. determinesB. encouragesC. promotesD. influences9. Currency, coins, and demand deposit in commercial banksare used primarily for transactions or as _____A. a reserve of the loansB. a measure of money supplyC. a medium of exchangeD. a fixed asset10. ____ is the most closely watched of the three measures of the money supply.A. M1B. M2C. M3D. Ms11. Suppose a bank has a 10 percent reserve ratio, $5,000 in deposits, and it loans out all it can given the reserveratio.A. It has $50 in reserves and $4,950 in loans.B. It has $500 in reserves and $4,500 in loans.C. It has $555 in reserves and $4,445 in loans.D. None of the above is correct.12. The reserve ratio is 5 percent and a bank receives a new deposit of $500, this bankA. must increase its required reserves by $25.B. will initially see its total reserves increase by $500.C. will be able to make a new loan of $475.D. All of the above are true.13. When a bank loans out $100, the money supplyA. does not change.B. increases.C. decreases.D. may do any of the above.14. An open market saleA. increases the money supply.B. doesn't change the money supply.C. decreases the money supply.D. has an indeterminate effect on the money supply.15. The balance sheet for the following three questions.First Bank of ErehwonAssets LiabilitiesRequired Reserves $20.00 Deposits $100.00Loans $80.00⑴. The reserve ratio isA. zero percent.B. 20 percent.C. 80 percent.D. percent.⑵. If $1,000 is deposited into the F irst Bank of Erehwon,A. liabilities will decrease by $1,000.B. assets will increase by $1,000.C. total reserves will initially increase by $200.D. required reserves will increase by $800.⑶. If the reserve ratio is 12.5 percent, then $5,600 of money can be generated byA. $64 of new reserves.B. $448 of new reserves.C. $700 of new reserves.D. $800 of new reserves.16. Under a fractional-reserve banking system, banksA. hold more reserves than deposits.B. generally lend out a majority of the funds deposited.C. cause the money supply to fall by lending out reserves.D. All of the above are correct.17. When a bank loans out $1,000, the money supplyA. does not change.B. decreases.C. increases.D. may do any of the above.18. If the reserve ratio for all banks is 12.5 percent, then $2,000 of additional reserves can create up toA. $8,000 of new money.B. $16,000 of new money.C. $32,000 of new money.D. None of the above is correct.19. Banks act as intermediaries byA. bringing together car buyers and auto dealersB. bringing together real estate brokers and home buyersC. printing money for all to useD. serving the credit needs of borrowers and the security needs of saversE. selling shares of stock to investors20. Asymmetric information in financial markets exists whenA. teachers know more about banking than students doB. borrowers know more about their ability to repay loans than lenders doC. lenders know more about borrowers than borrowers know about themselvesD. borrowers pay off a loan before it is dueE. borrowers and lenders know more about banking than banks do21. Coins in the United States are manufactured and distributed by theA. FedB. U.S. MintC. U.S. TreasuryD. FBIE. Controller of the Currency22. If you returned a $5Federal Reserve note to the Fed, you could receiveA. $5 in silverB. $5 in goldC. 5 one-dollar billsD. 10 one-dollar billsE. a small gold bar23. If a bank has $6000 in checkable deposits and the required reserve ration is 0.2, then the bank can lendA. $4000B. $16000C. no more than $4800D. no less than $3000E.$100024. Suppose that a bank has $6000 in checkable deposits and the required ratio is 0.2. If the bank wishes to hold no excess reserves, its actual reserves will beA. $4000B. $1200C. $3000D. less than $1000E. $480025. Bank reserves can be held in the form ofA. loans and cash in the bank’s vaultB. loans and deposits with the FedC. loans and checking accountsD. deposits with the Fed and cash in the bankE. deposits with the Fed and checking accounts26. Suppose the required reserve ration is 0.1 and Linda deposits $4000 in cash at the College State Bank. If the bank held no excess reserves before Linda’s deposit and now increases its reserves by $500, which of the following is true?A. The bank must have lent out an additional $4000B. The $500 are required reservesC. The bank has excess reserves of $100D. Both the bank’s assets and its liabilities rise by $500E. The bank has $500 in excess reserves27. Suppose a commercial bank’s reserves increase by $3000 and the bank, which holds no excess reserves, makesa loan of $2400. What is the required ratio?A. 0.1B. 0.2C. 0.25D. 0.75E. 428. If the required ratio is 0.1 and the Fed buys a $5000 security from a depository institution, what happens to the money supply?A. NothingB. It increases by $5000C. It decreases by $5000D. It increases by $50000E. It decreases by $5000029. The banking system creates money in the sense that itA. prints moneyB. creates excess reserves from loansC. creates loans from excess reservesD. creates required reserves from loansE. creates loans from required reserves30. If r is the required reserve ratio, which of the following is the simple money multiplier?A. rB. 1/(1-r)C. 1-rD. 1/rE. r231. If the simple money multiplier is 5, the required reserve ratio must beA. 5%B. 0C. 10%D. 50%E.20%32. The Fed’s sale of US government securities in open market operations constitutes aA. contractionary policy because it lowers the amount of total reserves in the banking systemB. contractionary policy because it lowers the amount of required reserves in the banking systemC. expansionary policy because it raises the amount of total and excess reserves in the banking systemD. expansionary policy because it raises the amount of excess reserves and lowers the amount of requiredreserves in the banking systemE. expansionary policy because it raises the amount of required reserves in the banking system33. The primary tool the Fed uses to control the money supply isA. the discount rateB. the required reserve ratioC. the discount windowD. charteringE. open market operations34. Decreasing the required reserve ratio isA. a contractionary policy because it lowers the amount of total reserves in the banking systemB. a contractionary policy because it lowers the amount of excess reserves in the banking systemC. an expansionary policy because it raises the amount of required reserves in the banking systemD. an expansionary policy because it raises the amount of total reserves in the banking systemE. an expansionary policy because it raises the amount of excess reserves in the banking systemPassage 1A credit card is a plastic card (or its equivalent) to be used upon presentation by the cardholder to obtain money, goods, or services, possibly under a line of credit established by the card issuer. The cardholder is billed for any outstanding balance.Credit card customers are given a credit limit on the credit card account and can buy goods services up to this amount. Normally, banks will set different credit lines for the different groups of cardholders. Every time cardholder uses a credit card for purchasing, he/she must sign a sales slip in the presence of the seller, and the signature is then compared to the signature on the card. Copies of the sales ships have the details of the cardand they also show the details and amount of the sale.Each month the cardholder receives a statement from the bank which details all the transactions in the month, together with the total amount outstanding and any minimum amount that needs to be paid. When the full balance is not settled each month, the cardholder is charged a compound interest (say 0.05%) on the outstanding balance, and this is supposed to provide the bank with a main source of income (although in china, this revenue is still low because people are reluctant to run into debt). Other two major sources of credit card services are the annual fee from the cardholders and the percentage of the sales revenue as the commission paid by the seller.1. A credit card is a plastic card and the like to be used to obtain money, goods, or services and an overdraft is not allowed.A. RightB. WrongC. Doesn’t say2. Normally, banks will set different credit limits on different customers’ credit card accounts.A. RightB. WrongC. Doesn’t say3. Each month the credit cardholder will receive a statement from the bank showing the details of the transactions excluding the total amount outstanding.A. RightB. WrongC. Doesn’t say4. If the balance of the credit card is not fully settled, thecardholder will have to pay a compound interest on the outstanding amount.A. RightB. WrongC. Doesn’t sayPassage 2Economists define money (or, equivalents, the money supply) as anything that is generally accepted inpayment for goods of services or in the payment of debts. Currency, which is dollar bills and coins, clearly fits this definition and is one type of money. When most people talk about “money”, they are talking about currency. To d efine money merely as currency is much too narrow for economist. Because checks are also accepted as payment for purchases, checking account deposits are considered money as well. An even broader definition of money is often needed because other items such as savings deposits can in effect function as money if they can be quickly and easily converted into currency or checking account deposits. As you can see, there is no single, precise definition of money or the money supply, even for economists.Whether money is shells or rocks or gold or paper, it has three primary functions in any economy: as a medium of exchange, a unit of account, and a store of value. Of the three functions, its function as a medium of exchange is what distinguished money from other assets such as stocks, bonds, and houses. In most all market transactions in our economy, money in the form of currency or checks is a medium of exchange; that is, it is used to pay for goods and services. The use of money a medium of exchange promotes economic efficiency by eliminating much of the time spent in exchanging goods andservices. To see why, let’s look at a barter economy, one without money, in which goods and services are exchanged directly for other goods and services.5. In the viewpoint of economists, which of the following is wrong?A. Money is currency.B. Money means money supply.C. Checks are money in a narrow sense.D. Savings deposits can be considered as money in a narrow sense.6. Which of the following is true according to the passage?A. A check used to pay for goods and services is a medium of exchange.B. The use of money saves little time spent in exchanging goods and services.C. In a barter economy, people exchange their goods and services directly for what they want.D. Checki ng account deposits can’t be considered as money in a narrow sense.7. Which of the following is true in the eyes of most common people?A. Currency is money.B. Money means currency only.C. Dollar bills and coins are money, savings deposits as well.D. Checks are also money.8. “Barber” probably meansA. Goods in exchange for goods.B. Goods in exchange for services.C. Domestic trade.D. International trade.9. Which of the following title best suits the passage?A. Money and CurrencyB. Money and Its FunctionsC. The Value of MoneyD. Currency and Its Functions。
翻译练习金融英语
secondary market.
价格越高，某种特定商品或服务的供应商就 越愿意提供以供销售。然而价格越高，越少人 愿意付款购买。
✓ The higher the price is, the more of a particular
product or service suppliers are willing to offer for sale. However, the higher the price is, the fewer people will be willing to pay.
①['fæsineitiŋ]有极大吸引力的
②证实
③察觉，理解
There is a fascinating relationship between executives and
the stock prices of the companies they manage. On one
hand, executives generally want their stocks to rise,
市场用来平衡供求关系以及促使交易达成的 机制是价格。当买方和卖方对于商品或服务 的价格意见一致，交易就会达成。
✓ The mechanism markets used to balance supply and demand and to have transactions take place is price. When buyer and seller agree on price for the product or service, a trade takes place.
【No 7】
✓Supplier of money earn income in a variety of
常用的金融英语口语对话带翻译
常用的金融英语口语对话带翻译提高英语口语能力，是学习金融英语的一个重点环节，下面店铺为大家带来常用的金融英语口语对话，欢迎大家学习!常用金融英语口语对话篇一T:We are happy to have Mr. David Long here with us today.教：今天我们很高兴地请到了英国某商业银行的大卫.朗先生。
Mr. Long is from a merchant bank in Britain. He will be talking about the organization of hisbank.朗先生给大家介绍一下他所在银行的组织体系。
L:I feel honoured to be talking with you today. I'd like to begin with your questions.朗：我今天非常荣幸地与大家在一起聚谈聚谈。
我希望同学们现在就提问。
S:Where is your bank located?学：请问贵银行位于什么地方?L:In London, the capital of Britain.朗：伦敦，英国的首都。
S:Could you give us a brief overview of your bank's history?学：您能给我们讲讲贵银行的历史概况吗?L:Yes, of course. We were established as long ago as 1869.朗：当然行啦!我们的银行早在1869年就有了。
Now, it is being operated as one of the major merchant banks in the City.现在它是伦敦几家最重要的商业银行之一了。
S:How is your bank organized?学：请问贵行是如何组成的呢?L:Well, that is really a big question.朗：啊，这可是一个很大的问题呀!S:Let me put it in this way. How many divisions are there inyour bank?学：我就这么问吧。
金融学英汉互译练习01
金融学英汉互译练习01将下列文章逐句译成英文：《亚洲正从1997-98年金融危机中汲取错误的启示》1.十年前的亚洲金融危机留下了两个对比鲜明的教训：一个是大多数西方经济学家认为亚洲人应学到的教训；另一个是亚洲人实际学到的教训。
[ 译文] 2.西方经济学家得出的结论是，新兴经济体应采取灵活的汇率制度，并建立现代的、监管良好的、有竞争力的金融市场。
[ 译文]3.亚洲人决定选择有竞争力的汇率、出口导向型增长和大规模积累外汇储备。
[ 译文]4.问题是亚洲人是否需要改变自己的选择。
我认为，答案是肯定的。
[ 译文]5.十年前，当泰铢出现下行压力时，没人预料到接下来发生的事──7月初它开始贬值。
[ 译文]6.这件看似很小的事件导致了一场金融“海啸”，“吞没”了东亚的大部分地区，席卷了印度尼西亚、马来西亚、菲律宾、韩国和泰国。
[ 译文]7.其结果是汇率制度瓦解，金融体系崩溃，政府在信用违约的边缘摇摇欲坠，经济纷纷陷入深度衰退。
[ 译文]8.国际货币基金组织(IMF)的官员们奔走于各个遭遇危机重击的国家之间。
[ 译文]9.最终，这场危机波及到全球各地，1998年8月席卷了俄罗斯，1999年初又殃及巴西。
[ 译文]10.正与它的爆发一样，这次亚洲金融危机的结果也非常出人意料。
[ 译文]11.从它的严重程度和地理局限性上讲，1997至1998年的危机成为上世纪80、90年代折磨新兴经济体的一连串金融危机中的最后一次（除了2001年的阿根廷和土耳其危机）。
[ 译文]12.如今，外部投资者将资金投入这些经济体的欲望十分强烈，表现为走势强劲的金融市场、较低的外部借款息差和规模庞大的私人资本流入——例如，2006年，新兴经济体的私人资本净流入达到2560亿美元。
[ 译文]13.现在，国际货币基金组织几乎无事可做了。
[ 译文]14.如何解释这种新的稳定性？正如纽约大学斯特恩商学院的鲁里埃尔?鲁比尼所言，亚洲人没有学到多数西方经济学家认为他们应该学到的教训。
ITEM 1(金融)练习题答案[5页]
![ITEM 1(金融)练习题答案[5页]](https://img.taocdn.com/s3/m/d8b251d17cd184254a353581.png)
• 6、存款准备金率Deposit Reserve Ratio • 7、组织机构改革 Reform of the
Organizational Structure • 8、制定货币政策the making of monetary
policy • 9、信用货币发行 the fiduciary note issue • 10、所得税漏税 income tax evasion
• 二、把下列句子译成中文 40%
• 1、It is necessary to separate the supervisory responsibilities of the PBC for the banking institutions, asset management companies, trust and investment companies and other depository financial institutions
• In order to stamp out（扑灭；踩灭） “black market” operations（以此来消除黑 市交易 ） and to check income tax
evasion.
• 依照货币及银行券法案，1928年财政部的货币发 行权转交给了银行。
• 3、Notes of the bank of England are not subject to any stamp duty.
• 英格兰银行发行的货币不受任何印花税的影响
• 4、These high value notes are no longer legal tender, but are still repayable （可偿还的）at the Bank of England.
金融英语练习1答案
Answers for Part 1I.(1) allocation of resources (2) national payment system(3) macroeconomic management (4) joint-equity bank (5) current account (6) convertibility (7) guard and dissolve risk / prevent against and dissolve risk(8) anti-money laundering / combat money laundering activities(9) balance sheet (10) market infrastructure (11) corporate governance (12) particular risk (13) treasury bond / T. bond (14) supervisory board (15) board of directors (16) financial innovation (17) stock exchange (18) intermediary services (19) non-performing loans (NPLS)(20) capital adequacy ratio (21) on-line banking (22) information disclosure (23) five-category loan classification system (24) prudential supervision(25) equity structure (26) liquidation procedure (27) delinquent loans(28) secondary market (29) the Law of Large Numbers(30) state-owned enterprises (SOE) (31) insurance premium(32) insurable interest (33) inter-bank market (34) financial intermediation (35) common fund (36) derivative market (37) discounting businessII.（1）生命表（2）健康表（3）营利企业（4）实体经济（5）金融机构（6）自律（7）债券市场（8）证券公司（9）财政赤字（10）战略投资者（11）再次注资（12）盈利性（13）私人银行（14）理财咨询（15）全能银行业务(16) 贷款资产组合（17）巴塞尔委员会（18）无清偿能力（19）核心原则（20）资本协议（21）跨境（22）制度建设（23）期货市场（24）息票（25）赎回（26）上市公司（27）认购（28）储备金（29）投保人（30）被保险人III.(1)IPO: initial private or public offering 首次私募发行或首次公开发行(2)ETF: Exchange traded fund 交易所买卖基金(3)OTC: over-the-counter 场外（交易）(4)CSRC: China Secutities Regulatory Commission 中国证券业监督管理委员会（证监会）(5)CBRC: China Banking Regulatory Commission 中国银行业监督管理委员会（银监会）(6)WTO：World Trade Organization 世界贸易组织（世贸组织）(7)IMF: International Monetary Fund 国际货币基金组织(8)CIRC: China Securities Regulatory Commission 中国保险业监督管理委员会（保监会）(9)USD: The United States Dollar 美国美元，美元(10)S AR: special administrative region 特别行政区（特区）(11)A MC: assets management company 资产管理公司(12)R MB: Renminbi 人民币IV．1-5：CADAC 6-10: BBCDB 11-15: CBDCA 16-20：DDABC 21-25: BBDCCV.Passage One 1-5: BCABAPassage Two 6-10：BACDDVI.21. refers 22. offer 23. distinguished 24. makes 25. repay 26. lending 27. writing 28. drawn 29. supervised 30. actsVII.Passage One 1. B 2. B 3. B 4. APassage Two 5. A 6. A 7. C 8. APassage Three 9. C 10.A 11. BPassage Four 12. A 13. A 14. CVIII.Passage One 1. C 2. A 3. B 4. A 5. BPassage Two 1. B 2. B 3. B 4. C 5. B。
金融词汇翻译巩固练习
金融词汇翻译巩固练习在金融领域，准确理解和翻译各种金融术语是非常重要的。
本文将提供一些用于巩固金融词汇翻译的练习，旨在提高你对金融词汇的理解和应用能力。
一、货币政策与金融市场1. 宏观调控（Macroprudential）宏观调控是指通过国家货币政策、财政政策等手段来调整宏观经济运行状况的一种方式。
翻译练习：请将“宏观调控”翻译成英文。
2. 利率风险转移（Interest Rate Risk Transfer）利率风险转移是指通过交易和金融产品来转移金融机构所面临的利率波动风险。
翻译练习：请将“利率风险转移”翻译成英文。
3. 市场流动性（Market Liquidity）市场流动性是指在金融市场中，交易资产的能力和成本的程度，通常用来描述资产的易变现性。
翻译练习：请将“市场流动性”翻译成英文。
二、金融产品和交易1. 派息（Dividend）派息是指公司将盈利的一部分以股利的形式分配给股东的行为。
翻译练习：请将“派息”翻译成英文。
2. 风险投资（Venture Capital）风险投资是指投资者在早期阶段向初创企业提供资金和其他资源的行为，以换取股权和与企业共享风险收益。
翻译练习：请将“风险投资”翻译成英文。
3. 行权（Exercise）行权是指期权合约中买方按照合约规定的条件和价格购买或卖出标的资产的权利。
翻译练习：请将“行权”翻译成英文。
三、风险管理和金融监管1. 信用风险（Credit Risk）信用风险是指金融机构、企业或个人未能按照约定的条件履约而造成的损失风险。
翻译练习：请将“信用风险”翻译成英文。
2. 应激测试（Stress Testing）应激测试是一种通过在不同市场情景下对金融机构的资产和负债进行测试来评估其对不利情况的抵御能力的方法。
翻译练习：请将“应激测试”翻译成英文。
3. 机构投资者（Institutional Investor）机构投资者是指以机构形式进行投资的组织或个人，如养老基金、保险公司、投资银行等。
金融专业英语练习
2 The basic economic problem facing all economies is: A Maximising economic growth B Unemployment C Inflation D Allocating scarce resources
3 Opportunity cost is: A The cost of producing one extra unit of the commodity B The lowest average cost of the commodity C The total cost of the commodity D The loss of the next best alternative
9 The sector of the economy which consists of manufacturing industries is the : A Primary sector B Secondary sector C Tertiary sector D Quaternary sector
附注：Goods are scarce when there are insufficient quantities of them for everyone to be able to consume them for nothing.
Consumption of scarce goods is restricted by the fact that consumers have to pay to acquire them. There are lots of things that exist in large quantities, but we still have to pay for them, for example: bread
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金融英语翻译练习1China raises interest rates to slow inflationThe People's Bank of China, the central bank, raised key savings and lending interest rates from Sunday, March 18, the third time in 11 months in a bid to curb inflation and asset bubbles in the world's fastest-growing major economy. The one-year benchmark lending rate will be raised to 6.39 percent from 6.12 percent, and the one-year deposit rate will be increased to 2.79 percent from 2.52 percent, according to a statement on the bank's website () .Central bank Governor Zhou Xiao chuan is concerned that cash from a record trade surplus is stoking excess investment, raising the risk of accelerating inflation and boom-and-bust cycles in asset prices. Zhou has resisted calls from Europe and the US to let the Yuan strengthen at a faster pace, making China's exports more expensive.The central bank said, said in a statement posted on its website, that this interest rates adjustment will be conducive to the rational growth of credit and investment; conducive to maintaining a stable price level; conducive to the steady operation of the financial system; conducive to the balanced economic growth and structural optimization, and conducive to promoting sound and fast growth of the national economy."The data released in the past week suggests that the economy is not actually slowing and that the government is becoming quite concerned that the economy is disproportionally driven by investment and production," Glenn Maguire, chief Asia economist at Societe Generale SA in Hong Kong, said. "The central bank will probably raise interest rates again two more times this year," Maguire said.Fixed-asset investment in urban areas climbed 23.4 percent in the first two months, down from 24.5 percent for all of 2006. China still must act to slow investment, Ma Kai, head of the National Development and Reform Commission, the country's top planning body, said last week.中国提高利率是为了减缓通货膨胀的压力为了努力控制世界发展最快的大国经济的通货膨胀和经济泡沫，中国人民银行即中央银行，从星期日（3月18日）开始在11个月中第三次提高储蓄和借款利率。
据银行网站()报道, 一年期的贷款利率将从6.12升至6.39, 一年期的存款利率将从2.52升至2.97。
中央银行行长周晓川担心，创记录的贸易顺差带来的资金加剧了已经过度的投资，从而使中国面临着加速通货膨胀和经济繁荣与萧条之交替循环的更大危机。
周晓川一直抵抗着欧洲和美国政府的要求，以更快的步伐增大人民币的价值，以使中国的出口商品更加昂贵。
据其网站上的发布，中央银行表示这次的利率调整将有益于信贷和投资的发展，有益于保持平稳的物价水平，有益于财政体系的稳定运转，有益于平衡的经济增长和结构优化，有益于国民经济健全和快速地增长。
“过去一周发布的资料显示，实际上国民经济考试大并没有减慢。
政府现在已经非常重视由于投资和生产带来的不平衡经济，”一位重要的亚洲经济学家Glenn Maguire，在香港召开的Societe Generale SA会议上说，“中央银行可能在本年内再度两次提高利率。
”国家最高计划部门即国家发展改革委员会的领导人马凯上周谈到，城区固定资产的投资在最初两个月升高了23.4%，之后的整个2006年从24.5%回落。
中国仍必须采取行动减缓投资。
金融英语翻译练习2Trade SurplusChina’s economy, the world’s fourth largest, expanded at the fastest pace in 11 years in 2006. The central bank raised interest rates in April and August and last month ordered banks to set aside more money as reserves for the fifth time in eight months to rein in the money supply.The trade surplus surged nine-fold in February from a year earlier to $23.76 billion, the second highest on record. Money supply grew 17.8 percent, the most in six months. Inflation accelerated to 2.7 percent from 2.2 percent in January. Record overseas sales pump cash into China’s financial system, raising the risk of property and stock bubbles. The trade surplus in 2006 was $177.5 billion.Chinese stocks have touched record highs this year and also had the steepest decline in a decade. Growth in urban fixed-asset investment declined to 24.5 percent for all of 2006 from 31.3 percent for the first six months. Still, the slowing of loans and spending is "not stable," Ma cautioned in January. China’s economy expanded 10.7 percent last year. Gross domestic product increased 10.4 percent in the fourth quarter, slower than the previous three months and down from the second quarter’s decade high of 11.5 percent.贸易顺差位于世界第四的中国经济，在2006年，以11年来最快的速度扩张。
中央银行在四月和八月两次提高利率，又在上月即八个月以来的第五次，要求银行留出更多的资金作为储备金，以此来控制货币供应。
在二月份，贸易顺差高达考试大237亿6百万美金，是去年同期的9倍，创有史以来的第二高记录。
货币供应量曾长了17.8%，为六个月以来的最高。
通货膨胀的增长率从一月份的2.2% 增加到2.7%。
创记录的海外销售给中国金融系统带来了巨大的资金，加大了地产和股票的泡沫危机。
2006年的贸易顺差达1775亿美金。
中国股票市场已经达到了今年的创记录的最高点，也经历了十年中的最斜的走低。
在整个2006年，城区固定资产投资增长率从前六个月的31.3%下降到24.5%。
尽管如此，贷款和消费的缓慢仍是“不稳定的”，马凯在一月份的时候告诫说。
去年中国的经济增加了10.7%。
国产品总量的增长从第二个季度的11.5%，即十年中的最高点开始下降。
第四个季度的增长率为10.4%, 低于前三个月的增长。