金融英语
Good morning, everyone. Welcome to financial English Class. I’m so glad to see all of you again. We are old friends, right. I am so glad that I can have the opportunity to help you with financial English. This course, in my view, is a little bit difficult. To learn it well, you will need not only good English language skills, but also some background knowledge. I will try my best to help you with that and I need you to do the same. So here some suggestions for you:
1. Preview the text before you come to class. Focus on the new words, terms, and relevant background knowledge. Consult dictionary and other reference books when necessary.
2.Take notes in class.
3. Review what you have learned after class. And at the beginning of each week’s class, I will check if you have done the reviewing. That includes the vocabulary, questions about the text and so on. Y our performance will be recorded and will be one part of your final marks.
一、教学目的
1、掌握专业词汇的英语表达，做到英汉互译。
2、能看懂一般难度的经济、金融类英语文章。
3、在了解金融背景的基础上，能就熟悉的话题进行笔头或口头翻译。
二、基本要求
1、课前预习。包括查阅生词、短语，阅读课文、了解相关背景知识等。
2、上课记笔记。
3、课后复习。包括熟记重点掌握短语、句子，完成课后作业等。
4、上课主要以提问方式进行，笔译与口译结合。
5、成绩评定方面，平时成绩占30%，考试成绩占70%。
三、教材与参考书目
教材：《金融英语》，复旦大学出版社，刘文国、蒋晓红主编。
参考书目：
《金融英语（基础类）》，清华大学出版社，金融英语教材编写委员会编写。
《现代金融业务》，中国金融出版社，金融专业英语证书考试委员会编。
四、网络资源
1、https://www.doczj.com/doc/d711509498.html, 金融时报
2、https://www.doczj.com/doc/d711509498.html, 经济学人期刊
3、https://www.doczj.com/doc/d711509498.html, 华尔街日报
4、https://www.doczj.com/doc/d711509498.html, 商业周刊
5、https://www.doczj.com/doc/d711509498.html, 财富期刊
6、https://www.doczj.com/doc/d711509498.html, 中华人民共和国财政部
7、https://www.doczj.com/doc/d711509498.html, 中国人民银行
8、https://www.doczj.com/doc/d711509498.html, 中华人民共和国国际外汇管理局
9、https://www.doczj.com/doc/d711509498.html, 中国证券监督管理委员会
10、https://www.doczj.com/doc/d711509498.html, 中国保险监督管理委员会
11、https://www.doczj.com/doc/d711509498.html, 中国银行监督管理委员会
12、https://www.doczj.com/doc/d711509498.html, 美国联邦储备委员会
13、https://www.doczj.com/doc/d711509498.html, 美国财政部
14、https://www.doczj.com/doc/d711509498.html, 世界银行
15、https://www.doczj.com/doc/d711509498.html, 国际货币基金组织
五、金融英语证书（FECT）考试
金融英语证书考试制度是1994年经中国人民银行和原国家教委联合发文批准建立的我国第一个国家级行业性外语证书考试制度。自2009年开始，金融英语证书考试（FECT）共设两级，分别为FECT综合考试和FECT高级考试。金融英语证书考试每年进行一次。2009年度金融英语证书综合考试和高级考试必考科目将于6月13日进行。
考试时间、类别和科目
考试参考教材和辅助教材
（一）综合考试指定参考教材为《现代金融业务》（中国金融出版社2006年12月出版）；（二）高级考试必考科目-金融理论与实务指定参考教材为《现代金融理论与实务》（中国金融出版社2009年1月出版）；
（三）综合考试的听力训练可参考由中国人民银行北京培训学院、中国工商银行杭州金融研修院合作开发的教学光盘。
Money
American oil billionaire J. Paul Getty has a very famous saying, that is ― If you can actually count your money, then you are not really a rich man.‖
美国石油大亨J. Paul Getty曾经说过一句话：如果你的钱是可以数得清楚的，那么你就不是一个真正的富人。
Well, the sentence is interesting and I want to say that if you want to learn financial English well, you must know what money is. Most people working in finance spend a lot of time dealing with money. So, in today’s class, we first talk about money.
1. What is Money ?
As the word money is used in everyday conversation, it can mean many things, but to economists it has a very specific meaning. 为了加以区分，我们来分析一下。
Economists define money as anything that is generally accepted in payment for goods or services or in the repayment of debts.
货币是在支付商品和劳务货款或在偿还债务时被普遍接受的东西。
Currency, consisting of dollar bills and coins, is one type of money. When most people talk about money, they are talking about currency.
Because checks are also accepted as payment for purchases, checking account deposits are considered money as well.
The word money is frequently used synonymously with wealth. When people say, "Joe is rich—he has an awful lot of money," they probably mean that Joe not only has a lot of currency and a high balance in his checking account but also has stocks, bonds, four cars, three houses, and so on.
Balance: the amount of money in an account at a particular time；帐户存款的余额
For example: Could you tell me what my balance is please? 你能告诉我的帐户余额吗？Economists make a distinction between money and wealth. W ealth includes not only money but also other assets such as bonds, common stock, art, land, furniture, cars, and houses.
Susan has a good job and earns a lot of money.
Income is a flow of earnings per unit of time. Money, by contrast, is a stock: It is a certain amount at a given point in time. 收入是某一单位时间内收益的流量，而货币是一个存量，即某一时间点上一个特定的金额。
If someone tells you that he has an income of $1 000, you can not tell whether he earned a lot or a little without knowing whether this $1 000 is earned per year, per month, or even per day. But if someone tells you that she has $1 000 in her pocket, you know exactly how much this is.
2. Exercise: Different Types of Money
Now, let’s clarify the meaning of some words that are related to ―money‖. Please look at the following words.
These are all different forms of money,
Money, Cash, Currency, Salary, Wages, Income, Loan, Pension, Fund, Capital, Installments, Debt, Deposit, Aid.
What are the exact meanings of these words in English? Now, let’s do some exercises, after that you will have a very clear idea of what they are.
Choose the correct alternative to complete each sentence:
1. Money in notes(banknotes) and coins is called
a. cash
b. capital
c. reserves
2. The dollar, the mark and the yen are all
a. currencies
b. funds
c. salary
3. Money borrowed from a bank is a
a. deposit
b. income
c. loan
4. Borrowed money that has to be paid back constitutes a
a. debt
b. fund
c. income
5. All the money received by a person or a company is known as
a. cash
b. income
c. wages
Number 1 the answer should be: a cash. 纸币或者硬币形式的钱，我们称之为：现金。Number 2 the answer should be: a currency 美元，马克，和日元都是：通货或货币Number 3 the answer should be: c loan 从银行借来的钱称之为：贷款
Number 4 the answer should be: a debt 借来的但必须要还回的钱称之为：债务Number 5 the answer should be: b income 个人或公司所得到的所有的钱称之为：收入
6. The money earned for a week's manual work is called
a. income
b. salary
c. wages
7. The money paid for a month's (professional) work is a
a. loan
b. salary
c. wages
8. Money placed in banks and other savings institutions constitutes
a. capital
b. deposits c finance
9. Money paid by the government or a company to a retired person is a
a. pension
b. income
c. loan
10. The money that will ultimately be used to pay pensions is kept in a
a. budget
b. deposit
c. fund
Number 6 the answer should be: c wages 一个星期的劳动所得称之为：wages Number 7 the answer should be: b salary 一个月的工作所得称之为：salary，
由此我们可以看出，汉语里“工资”这个词在英文中根据工作时间的长短是有区分的。salary 和wage. 英文中按月支付的是salary, 按小时、每天、或每周支付的是wage. 请大家注意区分。
Number 8 the answer should be: b deposit 存在银行或其他储蓄机构钱称之为：存款Number 9 the answer should be: a pension 有政府或公司支付给退休人员的钱称之为：养老金
Number 10 the answer should be: c fund 最终用来支付养老金的钱是以基金的形式储存的
11. The money needed to start a company is called
a. aid
b. capital
c. debt
12. The money paid to lawyers, architects, private schools, etc. is called
a. fees
b. installments
c. wages
13. Regular part payments of debts are called
a. deposits
b. loans
c. installments
14. Estimated expenditure and income is written in a
a. budget
b. reserve
c. loan
15. Money given to developing countries by richer ones is known as
a. aid
b. debt
c. loan
Number 11 the answer should be: b capital 用于开办公司的钱称之为：资本Number 12 the answer should be: a fee 支付给律师、建筑师和私立学校的钱是：费用
Number 13 the answer should be: c installment 定期偿还的部分债务称之为：分期付款
Number 14 the answer should be: a budget 预计的支出和收入通常被写在预算里。Number 15 the answer should be: a aid 发达国家赠送给发展中国家的：援助款
Ok, now we have a very clear idea of different forms of money in English.
Finance
Finance is the science of funds management. The field of finance deals with the concepts of time, money and risk and how they are interrelated. Finance includes saving money and lending money.
An entity whose income exceeds its expenditure can lend or invest the excess income. On the other hand, an entity whose income is less than its expenditure can raise capital by borrowing or selling equity claims, decreasing its expenses, or increasing its income. A bank (financial intermediary) aggregates the activities of many borrowers and lenders. A bank accepts deposits from lenders, on which it pays the interest. The bank then lends these deposits to borrowers.
Finance also deals with how money is spent and budgeted.
Budget is an estimation of the revenue and expenses over a specified future period of time. A budget can be made for a person, family, group of people, business, government, multinational
organization. Also budget may be long term or short term. Long term budgets have a time horizon of 5–10 years; short term is an annual budget.
Finance is used by individuals (personal finance), by governments (public finance), by business (corporate finance).
Personal finance
Components of personal finance might include checking and savings accounts, credit cards and consumer loans, investments in the stock market, retirement plans, social security benefits, insurance policies, and income tax management.
Questions in personal finance revolve around
How much money will be needed by an individual (or by a family), and when?
Where will this money come from, and how?
How can people protect themselves against unforeseen personal events, as well as those in the external economy?
How can family assets best be transferred across generations (bequests and inheritance)? Bequest 遗产、遗赠
He left a bequest to each of his grandchildren. 他给他的孙子孙女每人留下一笔遗产。
inheritance
继承物（如金钱、财产等）；遗产继承
She spent all her inheritance in a year. 她在一年之内用完了所有继承的遗产。
The title passes by inheritance to the eldest son. 这一头衔按世袭传给长子。
something from the past or from your family that affects the way you behave, look, etc. 遗传特征；遗产
our artistic/cultural inheritance 我们的艺术/文化遗产
Physical characteristics and determined by genetic inheritance.
身体的特征取决于基因遗传。
How does tax policy (tax subsidies or penalties) affect personal financial decisions?
How does credit affect an individual's financial standing?
credit
名词
1、赊购；赊欠
We bought the dishwasher on credit. 我们赊购了一台洗碗机。
Y our credit limit is now ￡2?000. 你的信用额度现在为2/f000 英镑。
2、（从银行借的）借款；贷款
The bank refused further credit to the company. 银行拒绝再给那家公司提供贷款。
3、（借钱偿还的）信誉，信用
Her credit isn't good anywhere now. 她借钱不还，弄得声名狼藉。
动词
（给银行账户）存入金额；把…记入贷方；贷记（银行账户）
Y our account has been credited with $50?000. 已把5 万元存入你的账户。
$50?000 has been credited to your account. 已把5 万元存入你的账户。
How can one plan for a secure financial future in an environment of economic instability? Personal financial decisions may involve paying for education, financing durable goods such as real estate and cars, buying insurance, e.g. health and property insurance, investing and saving for retirement.
Personal financial decisions may also involve paying for a loan, or debt obligations.
Corporate finance
Managerial or corporate finance is the task of providing the funds for a corporation's activities. For small business, this is referred to as SME finance (Small and Medium Enterprises). It generally involves balancing risk and profitability, while attempting to maximize an entity's wealth and the value of its stock.
Long term funds are provided by ownership equity and long-term credit, often in the form of bonds. The balance between these forms the company's capital structure. Short-term funding or working capital is mostly provided by banks extending a line of credit.
Another business decision concerning finance is investment, or fund management. An investment is an acquisition of an asset in the hope that it will maintain or increase its value. In investment management – in choosing a portfolio – one has to decide what, how much and when to invest. To do this, a company must:
Identify relevant objectives and constraints: institution or individual goals, time horizon, risk aversion and tax considerations;
Identify the appropriate strategy: active v. passive – hedging strategy
Measure the portfolio performance
Financial management is duplicate with the financial function of the Accounting profession. However, financial accounting is more concerned with the reporting of historical financial information, while the financial decision is directed toward the future of the firm.
firm是任何的一个企业，可以是独资、合资或是股份有限公司。firm和company相比之下概念更广泛，一般来说，对一般企业的总称用firms多于companies。
company是商界的任何一个从事商业的企业，可以是独资、合资或是股份有限公司。一般用company是针对的是某一个特定的公司。例如说“我们公司”这句话英文就该说“Our company”而不说“Our firm”，更不说“Our enterprise”。
corporation是合伙的公司、企业
视频Stay budget-wise 保持良好的预算
Gerri Willis offers some tips on how to keep your financial house in order in today's difficult economy
Keep your financial house in order by tracking where your money is going. Here is how you can build your family budget.
First, keep a money journal for a month. This means you write down exactly what you spend on a daily basis, from your morning coffee to your cable bill. Get in touch with where you’re spending your money. Y ou may be surprised how much you spent, make sure you know exactly where your money is going.
Next, figure out where you should be allocating your money in an ideal world. Check out this pie chart, Housing, Utilities and Insurance should be 40% of your spending. Living Expenses, that is food clothing and medicine 25%, Transportation 15%, and that's everything, gas and your monthly, um, bill, savings 5%, debt 5%, Education and child care to be 6%, recreation 4%.
And of course your situation will vary. These are just guidelines on what your budget should look like. So, how do you go about tracking your expenses and allocating that money? One idea here is to go online, track your income and your outgo. Websites like CNNMoney can help or software like https://www.doczj.com/doc/d711509498.html, can help you organize yourself when it comes to your savings and your spending. Currently Quicken has a free online version where you can track all of your money on one page where you can see your retirement and checking accounts all at one time. What’s more, the program will calculate where your money is being spent and how your progressing towards goals and even get alerts if your balance is low.
I'm Gerri Willis for https://www.doczj.com/doc/d711509498.html,.
V ocabulary:
1. financial house: 金融商行
2. money journal: 花费记账簿
3. allocate: To set apart for a special purpose分配
4. pie chart: a circle divided into parts by lines coming from the centre to show how big the different parts of a total amount are饼形统计图
5. utility: a service such as gas or electricity provided for people to use
6. outgo: Something that goes out, especially an expenditure or a cost花费或支出
7. balance: Something that is left over账户中的余额
经济学院经济类专业课程教学大纲 金融英语 课程名称：金融英语Financial English 课程编码：012099 学分：2分 总学时：32学时 适用专业：金融学 先修课程：基础英语、金融学、货币银行学 执笔人：曾江辉 审订人：王华明 一、课程的性质、目的与任务 金融英语是金融学专业选修课程，其目的是培养学生的金融专业英语语言能力和实际运用英语处理与金融有关业务的能力。金融英语不仅具有其独特的专业词语、常用句式和文体风格,而且具有金融行业的内在知识体系,具有融思想性、知识性、技术性为一体的特征。要求此课程以现代课程理念为指导，突出学生的主体和多学科知识的综合性，突出培养学生的学习能力。Financial English is a elective courses for Finance Major, which purpose is to cultivate the students' ability of using English language of Finance professional and practical use of English to deal with related financial business. Financial English not only has the professional words, but also has sentence patterns and unique style. It has the internal knowledge system and is melted with the thought and knowledge, technology as the characteristics. The requirements of this course is provided by modern curriculum ideas as a guide, the main highlight comprehensive for students and multi-disciplinary knowledge. It emphasizes the training of students learning ability. 二、教学内容与学时分配 Chapter 1 Money (2学时) 1.1 Definition of Money 1.2 Types of Money 1.3 Functions of Money 1.4 Interest and Interest Rate 1.5 Money Supply 1.6 China's Monetary System Exercises Chapter 2 Foreign Exchange （4学时） 2.1 Definitions and Quotations 2.2 Foreign Exchange Transactions Exercises Chapter 3 Balance of Payments （4学时）
金融英语口语词汇表reserve 储备 note 票据 discount 贴现 circulate流通 central bank 中央银行 the Federal Reserve System 联邦储备系统credit union 信用合作社 paper currency 纸币 credit creation 信用创造 branch banking 银行分行制 unit banking 单一银行制 out of circulation 退出流通 capital stock 股本 at par 以票面价值计 electronic banking 电子银行 banking holding company 公司银行 the gold standard 金本位 the Federal Reserve Board 联邦储备委员会the stock market crash 股市风暴
reserve ratio 准备金比率 deficit 亏损 roll 展期 wholesale 批发 default 不履约 auction 拍卖 collateralize 担保 markup 价格的涨幅 dealer 交易员 broker 经纪人 pension funds 养老基金 face amount 面值 commerical paper 商业票据banker's acceptance 银行承兑汇票Fed fund 联邦基金 eurodollar 欧洲美元 treasury bills 国库券 floating-rate 浮动比率 fixed-rate 固定比率 default risk 拖欠风险 credit rating 信誉级别
金融英语 Financial English 课程编号： 课程名称：金融英语 学分： 2 学时：32 考核形式：考查 适应专业：非英语专业本科学生 内容简介： 金融英语课程以教育部颁布的《大学英语课程要求》为指导，体现实用性英语教学原则，培养学生在金融领域的英语应用能力。金融英语将金融专业知识和英语语言技 能有机结合起来，按照专题知识分类，根据ESP教学的特点、金融业务的性质和要求 以及学习者的需求和目标，设计内容丰富、难度适中、形式多样的听力理解和口语训练 任务，选取一些有代表性的文章进行文本分析，帮助学习者了解金融业务的操作流程，熟练掌握常用的金融英语表达方式。在学习英语的同时学习金融知识，了解金融英语的 语言特点，培养良好的表达能力与思辨能力。 本课程教学时数为32学时。分为8个单元，每个单元涉及一种相对独立的金融知识或业务，涉及中国金融机构、银行存款业务、财务报表、金融工具、国际结算、外汇 贸易和证券保险市场。特定的金融业务的场景以及相关话题，金融业务场景中的各种工 作人员角色对话，银行各种业务操作流程等具体的专业知识及相关的交际策略和语言技 能。 课程以特定金融业务语言环境为背景涉及学习任务，让学生把完成学习任务与执行开展某种金融业务活动结合在一起。学习任务体现了真实性和现实性，类似于自然的职 业行为和社会行为，学生在解决问题完成任务过程中能够自然而然地学习和运用金融专 业英语术语，实现学习目标。学习者在学习过程中需明确要尽可能地了解掌握更多的金 融业务基本概念和基本词汇；要反复练习以提高金融业务场景所要求的职业语言交际技 能。培养学生的金融专业英语语言能力是首要任务，学生通过网络平台对一定的教学内 容进行听力练习，并在课堂教学中将听取内容进行反馈，进行金融业务情景对话、小组 活动，个人演讲或者新闻发布及文本信息汇报等活动。有助于学习者学习和掌握如何在 不同的金融业务场景中，用英文处理相关业务，强化听力内容的理解和掌握，最终达到 提高口语表达能力的目的。在各种学习任务开展中，对金融专业知识与概念，采取学生 “自主学习”、教师“点到为止”的策略，广泛介绍但不深入讲解，以激发学生进一步 自主学习的兴趣为目的。学生通过大量的听力训练与模拟情景口语训练，熟悉相关的金 融知识与概念，学习掌握相关的专业术语表达与语言技能，提高交际能力。学习者可以 运用所学专业知识和语言技能解决金融业务中可能遇到的实际问题，获取和交流信息并 处理相关金融业务，将语言技能的培养和金融专业知识的学习有机结合，最终提高金融 英语语言运用能力。 使用教材：《金融英语听说》，陈建辉主编，外语教学与研究出版社。
金融英语口语：经济结构调整 the third plenary session of the cpc 11th central committee, held in 1978, made the decision to shift the policy stress to socialist modernization, and implement the strategic decision on reform and opening to the outside world. the reform began in the countryside： the contracted household responsibility system linking remuneration to output and the feattwo-layer management system featuring the integration of centralization and decentralization began to be implemented; centralized and assigned purchases of agricultural and sideline products were gradually eliminated, and controls on the prices of most agricultural and sideline products were relaxed; the adjustment of the industrial structure in rural areas, the development of diversified operations and township enterprises mobilized the peasants' socialist enthusiasm for production. the third plenary session of the cpc 12th central committee, held in 1984, adopted the decision on restructuring the economic system, which signaled the elevation of the reform of china's economic system to an urban-centered stage. the 14th national congress of the cpc held in 1992 established deng xiaoping's theory of building socialism with chinese characteristics as the guiding policy in china, and put forward the goal of china's economic reform as establishing a socialist market economy system. its principal contents may be summarized as follows： adopting a series of macro-adjustment and control measures to carry out the reform in depth and in all aspects, public ownership will continue to be the main form of ownership as various types of ownership are jointly developed;
哈尔滨金融学院教案 课程名称：金融英语 课程代码： 开课系部：金融系 授课教师： 授课班级：12级金管1、2、3班； 2012级国际金融1、2班 开课学期：2014-2015上
一、课程简介（四号宋体加粗） 课程类别：必修课 授课对象：专科层次金融管理与实务专业；国际金融专业 场地器材：1#308 学时学分：×××（四号宋体） 使用教材：Ian MacKenzie，《剑桥金融财务英语》，人民邮电出版社，2010年 参考教材：《会计专业英语》 《英文国际贸易》 《金融英语》 二、教学目标 扩充学生的金融词汇量，了解地道的外国金融案例。本门课程分为四个领域，会计学、银行业、公司理财、经济与贸易，学生学习后从宏观上可以将4者结合，将所学的知识进行整合，整体上提高自己的就业竞争力。 三、教学过程 第一次课 2学时 教学内容 第一章Basic terms 第1节 money and income 1.Currency 2.Personal finance 第2节 business finance
1.Capital 2.Revenue 3.Financial statement 重点难点 Terminologies 教学组织 1．讲授法 2．集体授课 3. 多媒体教学,板书 作业布置 课后习题，背诵专业术语 第二次课 2学时 教学内容 第三章Banking 第19节 personal banking 1.Current accounts 2.Banking products and services 3.E-banking 第20节 commercial and retail banking https://www.doczj.com/doc/d711509498.html,mercial and retail banks 2.Credit 3.Loans and credits 重点难点 1.Types of accounts 2.Differences on types of accounts at home and abroad
金融英语口语大全(MP3+双语字幕)第15期 New Words 新单词 broke adj. 一个钱也没有了，破产了的 penniless adj. 身无分文的，穷的 overdraft n. 透支 grant n. 补助，拨款 embassy n. 大使馆 Phrases & Expressions 短语 by the way 顺便说，附带说说 not again 有“不再”，“不可能再是这种情况吧”等意 in the black
在银行有存款余额 in the red 在银行已无存款余额 A：Hi, Lao Li. How are you? 艾比：嗨，老吕，你好吗？ L：Fine. Thank you. How are you? 吕：很好。谢谢，你好吗？ A：Not bad. Er, Lao Li, I wonder whether I could ask you a favor? 艾：也很。呃，老吕，我想请你帮一个忙，行吗？ L：Go ahead. 吕：请说吧。 A：Well, you see... I'm broke. Do you think you could lend me some money until next Friday? 艾：好，你知道....，我没有钱啦。你能否借点钱给我？我星期五还你。 L：I'd like to help you, Abbey, but I'm a bit short myself. L：我很愿意协助你，艾，不过我自己也手头拮据。 I've only got￡10 to last me until the end of the week. I am sorry. 我只有10英镑，却要维持到本周末。非常抱歉。 A：Never mind. It can't be helped. By the way, have you opened an account yet?
Chapter 1 Money 1.1 Definition of Money 1.2 Types of Money 1.3 Functions of Money 1.4 Interest and Interest Rate 1.5 Money Supply 1.6 China's Monetary System Exercises Chapter 2 Foreign Exchange 2.1 Definitions and Quotations 2.2 Foreign Exchange Transactions Exercises Chapter 3 Balance of Payments 3.1 The Definition of BOP 3.2 The General Principle of BOP 3.3 The Components of Balance of Payment Statement 3.4 Equilibrium of BOP Exercises Chapter 4 International Monetary System 4.1 The Gold Standard 4.2 Bretton Woods System 4.3 The Jamaica System 4.4 The Present and the Future Exercises Chapter 5 Financial Market 5.1 Introduction 5.2 Money Market 5.3 Capital Market Exercises Chapter 6 Securities 6.1 Overview 6.2 Stock 6.3 Bond Exercises Chapter 7 Loans 7.1 Introduction 7.2 Major Loan Categories 7.3 Loan Classification by Risk
金融英语教学大纲集团标准化小组：[VVOPPT-JOPP28-JPPTL98-LOPPNN]
《金融英语》教学大纲 制定依据：本大纲根据2014版本科人才培养方案制定 课程编号：W0231964 学时数：32 学分数：2 适用专业：英语专业 先修课程：国际金融 考核方式：考查 一、课程的性质和任务 改革开放以来，中国取得了举世瞩目的成就。随着中国加入世界贸易组织和现代服务业的快速发展，金融市场进一步对外开放，外资银行代表处、外资金融机构纷纷在华开办业务，并逐渐从货币经营发展到资本市场和金融服务各个领域。与此同时，中国的企业也开始走向国际、融入世界。在全球金融竞争日趋激烈的今天，金融英语的普及和掌握，已成为非英语国家人力资源发展水平的重要内容，也是衡量金融中心城市的一个指标。 通过学习该门课程，使学生在金融基础业务中较熟练地运用英语，熟悉基本的业务概念、术语及一般的业务程序与原理；听懂日常会话和一般的业务交谈；看懂与金融业务有关的一般文字材料，拟定一般的业务文件；在基础业务中掌握英语基本语法知识；掌握金融英语写作的文风要求；掌握信函和报告的写作方法；掌握阅读的技巧，提高学生的理解能力；牢固掌握英译汉和汉译英的技巧；掌握金融英语口译的基本技巧，胜任高级别会谈、重大场合即席讲话等类金融活动的口译工作。总之，这门课程为学生今后从事金融活动奠定一定的语言和理论基础。 二、教学内容与要求 理论教学（32学时） 第一章：Commercial Banking商业银行（6学时） (1)The Banking System 银行体系 Section A—The People s Bank of China 中国人民银行 Section B—Bank of China 中国四大国有商业银行之一：中国银行 Section C—Bank of America 美国商业银行之一：美洲银行 Section D—BOC International Holdings Limited 中银国际公司 (2)Retail Banking: Bank Accounts 私人业务: 银行账户 Section A—Deposit Accounts 存款账户
金融英语口语对话：兑换货币 Please tell me how much you want to change. 请告诉我你要换多少。 How much of the remittance do you want to convert into Japanese yen? 你要把多少汇款换成日圆？ What kind of currency do you want? 要哪种货币？ What's it you wish to change? 你有什么要换的？ What kind of currency do you want to change? 要换哪种货币？ In what denominations? 要什么面值的？ Please tell me what note you want. 请告诉我要什么钞票。 Will seven tens be all right? 7张10元的能够吗？ Is it in traveler's cheques? 换旅行支票吗？ I'd like to know how I shall give it to you.
我想知道如何付钱给你。 How would you like it? 你要什么面额的？ Would you kindly sign the exchange form, giving your name and address? 请在兑换单上签字，写出你的姓名和地址，好吗？ Can you change me some money, please? 能否请你给我兑换一些钱？ Here it is, some French francs, Swiss francs, American dollars and a few Dutch guilders. 这些就是：一些法国法郎，瑞士法郎，美元和一些荷兰盾。 Would you please give me seven five-pound notes, four-pound notes and four ten-shilling notes, and the rest in small change? 请你给我7张5镑纸币，4张1镑纸币，4张10先令纸币，剩下的要零票。 Would you mind giving me the six pence in coppers? 劳驾给我6便士的铜币。 I'd like to know if you could change this money back into U.S. dollars for me. 我想知道能否把这笔兑回成美元。
金融英语口语教程第1课：西方的银行(一) Banking in the West(1) 西方的银行（一） Situation 1 情景 1 Jiro Ito is visiting with his friend ,Bob Jenson ,a banker in New York . 伊滕次郎正与他的朋友鲍勃·詹森闲谈。鲍勃是纽约的一位银行职员。 They are talking about the history of banking in the west . 他们正在谈论相关西方银行的历史。 Ito：I'm curious about the history of banking in the west ,Bob.Can you tell me something about it ? 伊滕：我很想知道相关西方银行史的一些情况。鲍勃，您能给我讲一讲吗？ Jensen：Well,Jiro,the earliest banks started in Babylon almost 4,000 years ago . 詹森：好的，次郎。最早的银行大约是4，000年前在巴比伦建立的。 They were really temples which collected deposits and made loans . 实际上，那些银行仅仅一种收集存款并实行放款的场所。
I ：That surprises me .I had always thought that banking started during the Renaissance in Europe . 伊滕：这可真是出乎我的意料之外，我原来一直以为银行业务始于欧洲文艺复兴时期呢。 J：No ,it was much earlier than that.Actually ,private firms that handled deposits and loans , 詹森：不，比那个时期要早多了。实际上，早在公元前6世纪就有了私营的商行。 changed coins and even arranged for credit transactions existed as early as the 6th century B.C. 这些商行从事储蓄存款和贷款，兑换硬币以至安排信贷交易。 I：Then ,there were banks in ancient Greece and Rome,too? 伊滕：当时，古希腊和罗马也有银行吗？ J：Yes ,laws in Both Greece and Rome recognized banks and many bank functions . 詹森：是的，希腊和罗马都在法律上承认了银行和银行的很多作用。 It wasn't until the breakup of the Roman Empire and the decline in trade and commercial transactions that banking lost its previous importance . 直到罗马帝国崩溃，商贸业务衰落，银行业才失去了它以往的重要性。 I：What about the laws against usury during the Middle Ages?Didn't such laws made it illegal to charge interest on loans?
《金融英语》课程教学大纲 一、课程性质与任务： 1、课程的性质 课程的性质是通过本课程的学习，可以使学生掌握国际金融的基础知识，了解国际贸易结算工具和期限因素对实际结算的影响，汇率、利率变动对国民经济和国际贸易的影响与作用。它的任务是使学生通过对课本的阅读和教师的讲授以及案例分析，可以掌握中英文金融专业术语、专用词汇，能够阅读一般性的国内外金融市场评论文章。知晓国内当前的金融热点问题：人民币升值、美元疲软、中国股票牛市、人民币利率调整、美国次级放贷危机等，理解国际金融的发展趋势，更好的结合商务专业的其他课程来丰富和牢固国际商务的知识。 2、课程培养学生的基本知识 使学生通过对课本的阅读和教师的讲授以及案例分析，可以掌握中英文金融专业术语、专用词汇，能够阅读一般性的国内外金融市场评论文章。知晓国内当前的金融热点问题：人民币升值、美元疲软、中国股票牛市、人民币利率调整、美国次级放贷危机等，理解国际金融的发展趋势，更好的结合商务专业的其他课程来丰富和牢固国际商务的知识。 3、课程培养学生的基本技能 （一）基础知识要求 了解汇率、利率变动基本原理，认识货币调控工具以及各种资本货币市场工具的作用和交易。 （二）素质要求 掌握中英文金融专业术语、专用词汇，并能够阅读并理解国内外金融方面的时事文章并能够初步翻译国际金融英文信息。 （三）实践操作要求 国际金融相关知识的计算 二、教材及参考书 1、《商务英语》，狄芮鹏主编，清华大学出版社，2003年 2、《商务专业英语基础》，孙玉主编，上海外语教育出版社，2000年。 3、《商务英语基础教程》，李德荣主编，华中理工大学出版社，2005年
金融英语口语大全(MP3+双语字幕)第20期： Currency conversion New Words 新单词 passport n. 护照 philosophy n. 哲学 personal adj. 个人的，私人的 data n. 数据 bankbook n. 银行存折 Phrases & Expressions 短语 come round 再来 currency conversion rate 现金兑换率
1.May I join you? 1.我能够参加吗？ Certainly, welcome. 当然能够，欢迎你来。 2.May I come round tomorrow morning? 2.明天上午我能够来吗？ Yes, please do. 行，请来吧！ 3.May I leave this copy with you? 3.我把这份副本留给你行吗？ Yes, you may. 能够，把副本给我吧。 4.May I see your passport please? 4.请你把护照给我看看好吗？ Certainly, here you are. 当然能够，请看吧。 5.May we all attend the philosophy lecture? 5.我们大家都能够去参加哲学讲座吗？ Yes, the lecture is by a famous professor. Don't miss the chance to listen to her. 能够去，这是由一位知名教授讲的，不要错过这次机会。
6.May I ask a question about this foreign currency bill? 6.我能够问一个关于这张外币支票的问题吗？ Of course, please. 当然能够，请问吧！ 7.May I copy the list of foreign curency conversion rate? 7.我能够抄录一下外币现金的兑换率吗？ Not necessary. I'll give you a duplicate copy. 没有必，我给你一份复印件。 8.May I help you? 8.有什么事要我帮忙？ Yes. There seems to be something wrong with this computer.有,看来这台计算机可能有毛病。 9.May we have all your personal data please? 9.把你个人的数据资料给我们看一下好吗？ Yes, of course. 当然能够。 10.May I have a look at your bankbook? 10.我能够看一看你的银行存折吗？ Yes, here you are. Is there anything wrong? 行，这就是。有什么差错吗？
金融英语口语素材：DID New Words 新单词 annual adj. 每年的，年度的 banquet n. 正式大宴会 credit n. 信贷 total v. 计算...的总数；总数达 chamber n. 会议厅 invoice n. 发票 record v. 记录，记载 guarantee n. 保证 Phrases & Expressions
短语 interest-free loan 无息贷款 the International Chamber of Commerce (ICC) 国际商会 the International Trade Organization Building 国际贸易组织大厦 1.Did you use to rise early in the morning? 1.你过去习惯早上起得很早吗？ -Yes, every morning, after exercising I would always read some English. 是的，我每天早上锻炼身体后还读点英语。 2.Did they all attend the annual banquet? 2.他们大家都参加了年会宴席吗？ -Yes, they all went to the banquet. 是的，他们大家都去了。 3.Did they promise to give us credit? 3.他们答应给我们信贷吗？ -Yes, they did. 他们已答应给我们信贷。 4.Did they promise an interest-free loan?
1.Stock markets：issuance of shares or common stock. 2.Bond markets: issuance of bonds. https://www.doczj.com/doc/d711509498.html,modity markets: trading of commodities. 4.Money markets: short term debt financing and investment. 5.Derivatives markets: instruments for the management of financial risk. 6.Futures markets: standardized forward contracts 7.Insurance markets: redistribution of various risks. 8.Derivative products are financial products which are used to control risk or paradoxically exploit risk. It is also called financial economics. 9.The international capital market trades capital market instruments with an original maturity greater than one year. 10.The foreign exchange market is the one where foreign currencies are bought and sold in the course of trading goods, services, and financial claims among countries. 11.★Money: Economists define money (also referred to as the money supply) as anything that is generally accepted in payment for goods or services or in the repayment of debts. 12.Currency: currency, consisting of dollar bills and coins, clearly fits money’s definition and is one type of the money. 13.★Transaction cost：The time spent trying to exchange goods and services is called a transaction cost 14.★Liquidity：Liquidity is a measure of the ease with which an asset can be turned into a means of payment, namely money. 15.★Inflation：Inflation is a sustained rise in the general price level—that is, the price of everything goes up more or less at the same time. 16.M1: currency and various deposit accounts on which people can write checks. 17.M2：M2 equals all of M1 plus assets that cannot be used directly as a means of payment and are difficult to turn into currency quickly. 18.M3：M3 adds to M2 a number of other assets that are important to large institutions but not to individuals. 19.Demand deposits at commercial banks, which are standard checking accounts that pay no interest 20.★Depository institutions are financial institutions that accept deposits from savers and make loans to borrowers; Normally, we use the term “banks” as an alternative 21.★Bank: A bank is a financial institution where you can deposit your money. 22.A commercial bank is an institution that accepts deposits and uses the proceeds to make consumer, commercial, and mortgage loans. 23.A holding company is a corporation that owns a group of other firms. https://www.doczj.com/doc/d711509498.html,munity Banks: Small banks—those with assets of less than $1 billion—that concentrate on serving consumers and small businesses. 25.Regional and Super-Regional Banks larger than community banks and much less local. Besides consumer and residential loans, these banks also make commercial and industrial loans. 26.Money Center Banks do not rely primarily on deposit financing. These banks rely instead on borrowing for their funding
Part One 1. What are the main roles of banks? 答：Although banks share many common features with other profit-seeking business,they play a unique role in the economy through mobilizing savings,allocating capital funds to fiance productive investment,transmitting monetary policy,providing a payment system and transforming risks. 3. According to the revised edition of the Law of the People's Republic of China on the People's Bank of China ,what functions does the PBC perform? 答：The PBC 's key functions are to conduct monetary policy, prevent and dissolve financial risks, and maintain financial stability under the leadership of the State Council. 4. Can you give some examples of indirect instruments for implementing monetary policy? 答：Indirect instruments as required reserve ratio, interest rate adjustment and open market operations. 9. What is your definition of share and bond? 答：Shares are certificates or book entries representing ownership in a corporation or similar entity.Bonds are written evidences of debts. 13. What is your definition of “securities”?
金融英语口语大全第2期：数字和数目 New Words 新单词 number n. 数目 digit n. 数字 Phrases & Expressions 短语汇 be interested in 在．．．感兴趣，爱好．．．． even number 偶数 odd number 奇数 cardinal number 基数 ordinal number 序数 A：Are you interested in accounting?
A：你对会计感兴趣吗？ B：Not very much. I hope little by little it gets better. B：不太感兴趣，我希望能逐步对会计有好感。 A：We will. A：我们一定会的。 B：Maybe you can help me. What is the difference between a number and a digit? B：或许你能协助我解答一个问题。你说数字和数目之间有什么差别？ A：Ah, that's easy. For example, a number like 237 865 contains six digits, A：啊，这是很容易。举例说吧，在一个数目237 865里有6个数字组成， so several digits make up a number over ten. 所以一个十以上的数目是由几个数字组成的。 B：Which term is used more often? B：这两个词中哪一个用途更广？ A：The word 'number' is more widely used. For example, you'd say 'even number', A：数目“（数）这个词用处更广泛。例如，我们常说“偶数“， 'old number', 'cardinal number', 'ordinal number', a known number or an unknown number. ‘奇数’，‘基数’，‘序数’，已知数或未知数。 B：How else is this word used?