金融专业外语

《金融英语阅读》课程建设报告对外经济贸易大学英语学院商务英语系开设的《金融英语阅读》课程，为专业基础课，是面向全校本科生的课程。

采用全英文授课，以课堂讲授为主，结合课堂讨论、提问、报告以及作业等方式进行教学。

金融英语作为专门用途英语（ESP）的一个新的分支，其课程的设置及教学的方法近些年来有着其独特的发展轨迹。

伴随着大学金融专业课程的开设，其在近十年的发展过程中在学科建设上占有十分重要的地位。

该课程独辟蹊径、与时俱进，倡导厚积薄发、具有鲜明的特色，因此在学科建设上占据了绝对优势。

作为一门专业基础语言课程，《金融英语阅读》无论从知识、语言或教法上都适应了时代的发展和社会的需要，具有基础性、时代性、实用性和复合性。

一、 课程开设的历史背景及社会价值《金融英语阅读》课程源于上个世纪90年代后期，是原中国金融学院外语系的最主要的特色课程。

20世纪90年代初，我国开始探索性地建立有中国特色社会主义的市场经济体系，经过近10年的不懈努力，在实践中初步建立了市场化的经济制度，并由此带动了理论上的发展。

与此同时，经济制度的转变必然导致金融领域的革新，在90年代后期，对于金融体制的改革随之呼之欲出、应运而生。

为了配合当时的经济及金融改革，培养一批精通外语的高级金融人才，沈素萍教授等教师开始酝酿在全国首开一门能够适应当下改革需求的金融英语课程。

为了详细、具体地了解开设该课程的科学价值，从1997年起，本课程主持人沈素萍教授作了详尽的调查，走访了一些学生以了解在完成普通英语（EGP）两年课程之后是否能够直接进入专业教师用英语讲授专业课阶段的学习。

从原中国金融学院1997级学生由外教讲授的中央银行学课程来看，其结果是课程未上完，学生能坚持听课者所剩无几，学生在EGP(English for General Purpose)阶段未接触任何专业英语词汇，所以在听外教的专业课时，他们既听不懂英语又学不懂专业。

这样，由于对英语语言掌握的缺陷影响了学生对专业课的理解。

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:。

金融专业英语考试根本要求本考试为金融专业英语水平考试(银行综合类)，旨在测试并认定应试人员的金融专业英语语言水平与实际运用英语处理业务的能力。

本考试的证书可作为在金融部门从事相应的涉外业务工作、参加涉外培训、职称评定和各类毕业学生进入金融部门就业等方面的参考依据。

本考试要求应试人员具备在金融业务中较熟练地运用英语的能力。

参加本考试的应试人员应掌握7000根底英语及金融专业英语词汇，熟悉根本的业务概念和术语及一般的业务程序和原理，能听懂日常会话和一般的业务交谈，具有在篇章水平上运用英语根本语法知识的能力，能看懂与金融业务有关的一般文字材料，拟写一般的业务文件。

本考试涉及的业务范围主要包括：经济及金融根底知识、贸易和非贸结算、信贷、会计、资金交易、外汇管理、银行法律知识等。

1、听力：分为三个部分：第一部分为针对单句的单项选择；第二部分为针对对话的单项选择；第三部分为针对短文的单项选择。

2、笔试：分为单项选择、完型填空、判断正误、短文阅读理解(共50%)和写作(20%)。

其中写作又分为三部分：第一部分为填写表格、单证等；第二部分为翻译(汉译英或英译汉)；第三部分为按要求拟写短文(如函电、通知、留言、备忘录等)。

本考试每年举行一次，时间在每年五月的第四个星期六。

每次考试时间为150分钟，其中听力30分钟。

金融专业英语考试的对象及构成考试对象本考试的对象为金融系统(包括外资、合资银行及非银行金融机构)的从业人员及一切有志于金融事业开展的人员。

考试构成本考试包括听力和笔试两部分，主要从以下方面测试应试人员运用英语处理日常银行业务的能力：听力部分(占30%)：包括简短会话、报告、陈述、访谈、讨论、通讯对话、接待客户、介绍业务、提供效劳等。

笔试部分(占70%)：包括各种图表、备忘录、财务报表、留言、行情表、业务函电、简历、广告、业务简介等。

全国金融专业英语证书考试委员会决定：每年5月的最后一个双休日，在全国金融系统进展金融专业英语证书银行综合类和中级四科考试。

各专业英语名称哲学Philosophy马克思主义哲学Philosophy of Marxism中国哲学Chinese Philosophy外国哲学Foreign Philosophies逻辑学Logic伦理学Ethics美学Aesthetics宗教学Science of Religion科学技术哲学Philosophy of Science and Technology经济学Economics理论经济学Theoretical Economics政治经济学Political Economy经济思想史History of Economic Thought经济史History of Economic西方经济学Western Economics世界经济World Economics人口、资源与环境经济学Population, Resources and Environmental Economics应用经济学Applied Economics国民经济学National Economics区域经济学Regional Economics财政学（含税收学）Public Finance (including Taxation)金融学（含保险学）Finance (including Insurance)产业经济学Industrial Economics国际贸易学International Trade劳动经济学Labor Economics统计学Statistics数量经济学Quantitative Economics中文学科、专业名称英文学科、专业名称国防经济学National Defense Economics法学Law法学Science of Law法学理论Jurisprudence法律史Legal History宪法学与行政法学Constitutional Law and Administrative Law刑法学Criminal Jurisprudence民商法学(含劳动法学、社会保障法学) Civil Law and Commercial Law (including Science of Labour Law and Science of Social Security Law )诉讼法学Science of Procedure Laws经济法学Science of Economic Law环境与资源保护法学Science of Environment and Natural Resources Protection Law国际法学(含国际公法学、国际私法学、国际经济法学、) International law (including International Public law, International Private Law and International Economic Law)军事法学Science of Military Law政治学Political Science政治学理论Political Theory中外政治制度Chinese and Foreign Political Institution科学社会主义与国际共产主义运动Scientific Socialism and InternationalCommunist Movement中共党史(含党的学说与党的建设) History of the Communist Party of China(including the Doctrine of China Party and Party Building)马克思主义理论与思想政治教育Education of Marxist Theory and Education in Ideology and Politics国际政治学International Politics国际关系学International Relations外交学Diplomacy社会学Sociology社会学Sociology人口学Demography人类学Anthropology民俗学(含中国民间文学) Folklore (including Chinese Folk Literature)民族学Ethnology民族学Ethnology马克思主义民族理论与政策Marxist Ethnic Theory and Policy中国少数民族经济Chinese Ethnic Economics中国少数民族史Chinese Ethnic History中国少数民族艺术Chinese Ethnic Art教育学Education教育学Education Science教育学原理Educational 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人大金融学考研考试科目①101思想政治理论②201英语一或202俄语或203日语或240德语或241法语③303 数学三④802 经济学人大金融学考研难度分析本文系统介绍人大金融学考研难度，人大金融学就业，人大金融学研究方向，人大金融学考研参考书，人大金融学考研初试经验五大方面的问题，凯程人大金融学老师给大家详细讲解。

特别申明，以下信息绝对准确，凯程就是王牌的金融学、金融硕士考研机构！2015年人大金融学状元庞俊鹏来自凯程。

经验视频见凯程网站。

一、人大金融学考研难度大不大，跨专业的人考上的多不多?相对来说，人大金融学考研招生人数多，考研难度不大，各个专业方向招生人数总额基本稳定在25人。

复试专业课内容较为简单，对于跨专业考生是极为有利的。

据凯程从人大内部统计数据得知，每年金融学考研的考生中90%以上是跨专业考生，在录取的学生中，基本都是跨专业的学生。

在考研复试的时候，老师更看重跨专业学生自身的能力，而不是本科背景。

其次，本科经济学专业涉及分析层面的内容没有那么深，此对数学的要求没那么高，本身知识点难度并不大，跨专业的学生完全能够学得懂。

在凯程辅导班里很多这样三凯程生，都考的不错，而且每年还有很多二本院校的成功录取的学员，主要是看你努力与否。

所以记住重要的不是你之前学得如何，而是从你决定考研起就要抓紧时间完成自己的计划，下定决心,全身心投入，相信付出一定会有回报。

二、人大金融学就业怎么样？中国人民大学本身的学术氛围好、师资力量强、人脉资源广，社会认可度高，自然就业就没有问题，人大毕业生每年的就业率保持在90%以上。

自改革开放以来，经济学专业一直比较热门，薪资令人羡慕。

各公司、企业、政府部门和行业部门均需要大量的经济学人才加盟。

就业方向：政府经济管理部门、科研单位、银行、会计事务所、金融部门、中外大中型企业、外资公司等。

三、人大金融学专业培养方向介绍2015年中国人民大学经济学考研学费总额1.6万元，学制2年。

金融专业英语怎么说金融专业是以融通货币和货币资金的经济活动为研究对象，具体研究个人、机构、政府如何获取、支出以及管理资金以及其他金融资产的学科专业，是从经济学中分化出来的。

那么，你知道金融专业的英语单词怎么说吗?金融专业的英文释义：The financial specialty金融专业的英文例句：在各专业薪水排行榜上,财会专业和经济或金融专业的薪水增加幅度最大,分别位居第五名和第六名,其它专业依次是土木工程,管理和营销。

Accounting and economics or finance experienced the biggest growth, claiming the fifth and sixth spots, and rounding out the list, in order, were civil engineering, management and marketing.一份2006年毕业生调查报告显示：工程学专业的毕业生薪水仍位居各专业之首，财会专业和金融专业薪水增长较快。

of 2006, engineers still get top salary offers, but accounting and finance majors are climbing quickly.在各专业薪水排行榜上，财会专业和经济或金融专业的薪水增加幅度最大，分别位居第五名和第六名，其他专业依次是土木工程，管理和行销。

Accounting and economics or finance experienced the biggest growth, claiming the fifth and sixth spots, and rounding out the list, in order, were civil engineering, management and marketing.最后，提出在金融专业英语口语教学中实施情境—合作教学模式的一些思考与建设性建议，目的是为了更好地完善和推动金融专业英语口语教学。

常用金融英语词汇Accounts payable 应付帐款?Accounts receivable 应收帐款?Accrued interest 应计利息?Accredited Investors 合资格投资者；受信投资人?指符合美国证券交易委员(SEC)条例，可参与一般美国非公开(私募)发行的部份机构和高净值个人投资者?Accredit value 自然增长值?ACE 美国商品交易所?ADB 亚洲开发银行?ADR 美国存股证；美国预托收据；美国存托凭证?[股市] 指由负责保管所存托外国股票的存托银行所发行一种表明持有人拥有多少外国股票(即存托股份)的收据。

ADR一般以美元计价和进行交易，及被视为美国证券。

对很多美国投资者而言，买卖ADR比买卖ADR所代表的股票更加方便、更流动、成本较低和容易。

?大部份预托收据为ADR；但也可以指全球预托收(GDR) ，欧洲预托收据(EDR) 或国际预托收据(IDR) 。

从法律和行政立场而言，所有预托收据具有同样的意义。

?ADS 美国存托股份?Affiliated company 关联公司；联营公司?After-market 后市?[股市] 指某只新发行股票在定价和配置后的交易市场。

市场参与者关注的是紧随的后市情况，即头几个交易日。

有人把后市定义为股价稳定期，即发行结束后的30天。

也有人认为后市应指稳定期过后的交易市况。

然而，较为普遍的是把这段时期视为二级市场?AGM 周年大会?Agreement 协议；协定?All-or-none order 整批委托?Allocation 分配；配置?Allotment 配股?Alpha (Market Alpha) 阿尔法；预期市场可得收益水平?Alternative investment 另类投资?American Commodities Exchange 美国商品交易所?American Depository Receipt 美国存股证；美国预托收据；美国存托凭证 (简称“ADR ”参见ADR栏目)?American Depository Share 美国存托股份?Amercian Stock Exchange 美国证券交易所?American style option 美式期权?Amex 美国证券交易所?Amortization 摊销?Amsterdam Stock Exchange 阿姆斯特丹证券交易所?Annual General Meeting 周年大会?Antitrust 反垄断?APEC 亚太区经济合作组织(亚太经合组织)? Arbitrage 套利；套汇；套戥?Arbitration 仲裁?Arm's length transaction 公平交易?Articles of Association 公司章程；组织细则? At-the-money option 平价期权；等价期权? ASEAN 东南亚国家联盟 (东盟)?Asian bank syndication market 亚洲银团市场? Asian dollar bonds 亚洲美元债券?Asset Allocation 资产配置?Asset Management 资产管理?Asset swap 资产掉期?Assignment method 转让方法；指定分配方法? ASX 澳大利亚证券交易所?Auckland Stock Exchange 奥克兰证券交易所? Auction market 竞价市场?Authorized capital 法定股本；核准资本? Authorized fund 认可基金?Authorized representative 授权代表?Australian Options Market 澳大利亚期权交易所? Australian Stock Exchange 澳大利亚证券交易所? Back-door listing 借壳上市?Back-end load 撤离费；后收费用?Back office 后勤办公室?Back to back FX agreement 背靠背外汇协议? Balance of trade 贸易平衡?Balance sheet 资产负债表?Balloon maturity 期末放气式偿还?Balloon payment 最末期大笔还清?Bank, Banker, Banking 银行；银行家；银行业? Bank for International Settlements 国际结算银行? Bankruptcy 破产?Base day 基准日?Base rate 基准利率?Basis point 基点；点子?Basis swap 基准掉期?Bear market 熊市；股市行情看淡?Bearer 持票人?Bearer stock 不记名股票?Behind-the-scene 未开拓市场?Below par 低于平值?Benchmark 比较基准?Beneficiary 受益人?Beta (Market beta) 贝他(系数)；市场风险指数? Best practice 最佳做法?Bills department 押汇部?BIS 国际结算银行?Blackout period 封锁期?Block trade 大额交易；大宗买卖?Blue chips 蓝筹股?Board of directors 董事会?Bona fide buyer 真诚买家?Bond market 债券市场，债市?Bonds 债券，债票?Bonus issue 派送红股?Bonus share 红股?Book value 帐面值?Bookbuilding 建立投资者购股意愿档案?[股市] 包销商用以定价一笔发行的方法。