经济与金融英语 (1)

mortgage抵押barter物物交换rates of exchange汇率credit union信用社double coincidence of wants需求双重巧合stock index股票指数surplus unit资金盈余单位deficit unit资金短缺单位 a means of payment for goods购货的支付手段repayment of debts债务偿还interest rate fluctuation利率波动financial asset金融资产money supply货币供给checking account支票账户Federal Reserve note联邦票据Federal Reserve bank联邦银行market mutual funds市场互助资金overnight loans隔夜贷款financial institution金融机构economic life经济生活be converted into转换成 a medium of exchange交换媒介unit of account记账单位stock market股票市场circulate流通，发行suspend使中止quota配额，定额，限额agreement协定，协议redeem将(纸币)兑换成硬币，用(股票等)兑取现金inflation通货膨胀，(物价)暴涨appreciate增值，涨价surveillance看守，监视，监督，检查International Monetary System国际货币体系balance of payments收支平衡International Monetary Fund (IMF)国际货币基金(组织) Bretton Woods System布雷顿森林体系The General Agreement on Tariffs and Trade(GATT)关贸总协定par value面值IMF system国际货币基金体系paper gold/SDRs纸黄金/特别提款权favorable payments balances国际收支顺差the gold standard金本位The Jamaica System牙买加体系Plaza Agreement广场协议Louvre Accord卢浮宫协议European Monetary System欧洲货币体系security证券denomination(货币)计值单位，面额commission佣金marketable适于销售的auction拍卖yield收益，回报default违约secure抵押，担保acceptance承兑fraudulent欺诈的fixed interest income固定利息收入bearish market 熊市bullish market牛市risk/return tradeoff风险回报考量mutual fund互助资金coupon bonds息票债券compound bonds复利time deposit定期存款tie up占用，冻结secondary market二级市场account receivable应收账款money market investment货币市场投资cash investment现金投资money market instrument货币市场工具Treasury Bills(T-bills)国债，国库券certificate of deposit(CD)大额存单commercial paper商业票据bankers’ acceptance银行承兑汇票Eurodollars欧洲美元repo回购协议dividend红利，股息hedge套期保值opportunity cost机会成本preferred stock优先股real assets不动产common stocks普通股EPS(Earning Per Share)每股收益fall short of不符合，达不到investment decision投资决策real interest rate实际利率excepted returns预期回报personal risk个人风险timing risk时机风险tenure risk时期风险company risk公司风险financial risk财务风险management risk管理风险market risk市场风险liquidity risk流动风险interest risk利率风险inflation risk通货膨胀风险exchange rate risk汇率风险reinvestment risk再投资风险national and international risk国家和国际风险economic risk经济风险industry risk工业风险tax risk税收风险political risk政治风险impact作用，影响survival生存havoc破坏，混乱unpredictability不可预期swap掉期，互换，做交易subsidiary子公司，辅助物indebtedness亏欠，欠债invoice发票，开发票offset抵消，冲销，补偿monetary units货币单位foreign currency外币in the absence of缺少，如果没有forward foreign exchange market远期外汇市场foreign currency swap外汇掉期spot transaction即期交易forward transaction远期交易parent company母公司home currency本币forward delivery远期交割set off抵消，抵补citizenship公民credit贷记debit借记reserve储备resident居民multinational corporations跨国公司balance of payments国际收支double-entry bookkeeping复式记账法capital and financial account资本与金融账户investment income投资收益tangible trade有形贸易trade deficit贸易赤字trade surplus贸易盈余intellectual properties知识产权capital inflow资本流入capital outflow资本流出portfolio investment间接投资，(有价)证券投资money market instruments货币市场工具official reserve assets官方储备资产foreign direct investment(FDI)外国直接投资address开立order指定的人bearer来人affiliate分支机构remittance汇款collection托收present提示cash兑现withdraw提取protest做拒绝证书round整数的bill of exchange汇票sight draft即期汇票arrival draft货到付款汇票time draft远期汇票grace period宽限期be bound to一定的，必定的collecting bank代收行remitting bank托收行crossed cheque划线支票open cheque现金支票traveler’s cheque旅行支票in one’s presence当某人面Traveler’s Letter of Credit旅行信用证Economists define money(or equivalently, the money supply)as anything that is generally accepted in repayment for goods or services or in repayment for debts.经济学家将货币(或货币供给)定义为在商品或服务的支付中或在偿还债务中被普遍接受的任何东西。

关于金融经济的英文文章命融英语文章Finanial ManagementManagement of funds is aritial aspet of finanial management. Management of funds at as the foremost onern hether it is ina busineunder-taking or in an eduationalinstitution. Finanial management, hih is simpl meantdealing ith management of mone matters.Meaning of Finanial ManagementB Finanial Management e mean effiient use of eonomi resoures namel apital funds. Finanial management is onerned iththe managerial deisions that result in the aquisitionand finaning of short term and long term redits for the firm. Here it deals ith the situations that require seletion ofspeifi assets, or a bination of assets and the seletion ofspeifi problem of size and groth of an enterprise. Hereinthe analsis deals ith the expeted inflos and outflos of fundsand their effet on managerial objetives. In short, Finanial Management deals ith Prourement of funds and their effetive utilization in the busine ss.So the analsis simpl states to main aspets of finanial management like prourement of funds and an effetiveuse of funds to ahieve busineobjetives.Prourement of funds :As funds an be proured from multiple soures so prourement of funds is onsidered an important problem of busineonerns. Funds obtained from different soures have differentharateristis in terms of potential risk, ost and ontrol.Funds issued b the issue of equit shares are the best fromrisk point of vie for the pan as there is no question of' repament of equit apital exept hen the pan is liquidated.From the ost point of vie equit apital is the mostexpensive soure of funds as dividend expetations of shareho lders are normall higher than that of prevailing interestrates .Finanial management onstitutes risk, ost and ontrol. The ustof funds should be at rninirnum for a proper balaning of risk and on trol.In the globalised petitive senario, mobilization uf' f'unds plasa ver signifiant role. Funds an be raised either through the domesti market or from abruad. Foreign Diret Investment as ell as Foreign Institutional Investorsare to major soures ofraising funds. The mehanism uf prourement uf fundshas to be modified in the light of requirements of foreigninve sturs.Utilization of Funds :Effetive utilization of f'unds as an important aspet of finanial management avoids the situations herei funds are either keptidle or proper uses are not being made. Funds pruured involvea ertain ost and risk. If the funds are not used properlthen running busineill be too diffiult. Inase of dividend deisions e alsoonsider this. So it is ruial to emplo the f'unds properl and profitabl.Sope of Finanial ManagementSound f'inanial management is essential in all tpes of organizations hether it be profit or non-prof'it. Finanial management is essential in a planned Eonom as ell as ina apitalist set-up as it involves ef'fiient use of the resoures.From time to time it is observed that man firms havebeen liquidated not beause their tehnolog as obsolete or beause their produts ere nut in demand or their labuur as not skilledand motivated, but that there as amismanagement of finanial affairs. Even in a boom period, hen a pan make high profits there is also a fear of' liquidation beauseof bad finanial management.Finanial management optimizes the output from the given input of funds. In a ountr like India here resoures are sare and the demand for funds are man, the need of proper finanial management is required. In ase of nel started panies ith a high groth rate it is more importa.nt tohave souiid finanial management sine finane alone guarantees their surviva.l.Finanial management is ver important in ase ofnon-profit organizations, hih do not pa adequate attentions to f inanial management .Ho ever a sound sstem of finanial manaLyement has to be ultivated among bure aur ats, adminis t rat ors, engineers, eduationalists and publi at a large.Objetives of Finanial ManagementEffiient Finanial management requires the existene ofsome objetives, hih are as follos1) Profit Maximization:The objetive of finanial management is the same asthe objetive of a pan hih is to earn profit. But profit maximization alone annot be the sole objetive of a pan. It is a limited objetive. If profits are given undue importane then problems ma arise as disussed belo.The term profit is vague and it involves muh more ontraditions. Profit maxirnizatiun must be attempted ith a realization of risks involved. A positive relationship exists beteen risk and profits. So both risk and profit objetives shuuld be balaned. Profit Maximization fails to take into aount the timepattern of returnsProfit maxirnizatiun does not take into aount the suialonsi derations .。

金融英语Financial EnglishChapter 1Banks in modern society（现代社会中的银行）Unit 1Basic roles and services of a bank（银行的基本职能和服务）What is a bank?（如何定义银行？）It may be advisable to define a bank as an institution for doing financial work.（可以将银行定义为从事金融工作的机构。

）Notes bankingA modern bank provides many services.（现代银行提供多种服务）。

One of the most important of these is regular pass book saving. （其中最重要的一项就是存款储蓄，）.If you go to a bank to open a saving account, （如果你去银行开立储蓄户头，）first of all you’ll be asked to fill out a signature card. （首先你得填写签名卡。

）【Saving account Deman d－deposit or checkin g－accounts, tim e－deposit.】Then you’ll be given a passbook in which your initial deposit would be recorded.（然后你就会得到一张存折，上面记载了你的初次存款。

）All deposits and withdrawals from your account are entered into your passbook.（你账上所有存、取款都将记入你的存折。

）This means that the passbook contains an actual record of saving you have at any one time. （这就是说存折实实在在记录着你每一次的储蓄情况。

关于金融的一些常用英语词汇英语是我们的学习生涯中是很重要的课程，只有坚持不懈，才能走向成功。

如果天天坚持学习，久而久之，不论是状元还是伊人，都会向大家招手。

下面是小编给大家整理的一些有关金融的英语词汇，希望对大家有所帮助。

流动负债Act of God Bond 天灾债券保险公司发行的债券，旨在将债券的本金及利息与天然灾害造成的公司损失联系起来Active Bond Crowd 活跃债券投资者在纽约股票交易所内买卖活跃的定息证券Active Income 活动收入来自提供服务所得的收入，包括工资、薪酬、奖金、佣金，以及来自实际参与业务的收入Active Investing 积极投资包含持续买卖行为的投资策略。

主动投资者买入投资，并密切注意其走势，以期把握盈利机会Active Management 积极管理寻求投资回报高于既定基准的投资策略Activity Based Budgeting 以活动为基础的预算案一种制定预算的方法，过程为列举机构内每个部门所有牵涉成本的活动，并确立各种活动之间的关系，然后根据此资料决定对各项活动投入的资源Activity Based Management 以活动为基础的管理利用以活动为基础的成本计算制度改善一家公司的运营Activity Ratio 活动比率一项用以衡量一家公司将其资产负债表内账项转为现金或营业额的能力的会计比率Actual Return 实际回报一名投资者的实际收益或损失，可用以下公式表示：预期回报加上公司特殊消息及总体经济消息Actuary 精算保险公司的专业人员，负责评估申请人及其医疗纪录，以预测申请人的寿命Acquisition 收购一家公司收购另一家公司的多数股权Acquisition Premium 收购溢价收购一家公司的实际成本与该公司收购前估值之间的差额Affiliated Companies 联营公司一家公司拥有另一家公司少数权益(低于50%)的情况，或指两家公司之间存在某些关联Affiliated Person 关联人士能影响一家企业活动的人士，包括董事、行政人员及股东等After Hours Trading 收盘后交易主要大型交易所正常交易时间以外进行的买卖交易After Tax Operating Income - ATOI 税后营运收入一家公司除税后的总营运收入。

金融英语词汇表金融英语词汇表本文为金融英语词汇表，旨在帮助读者更好地理解和应用金融领域的专业术语。

以下是一些常见的金融英语词汇和它们的解释：1. Assets（资产）- 可以转化为现金或带来经济利益的资源或所有权。

2. Liabilities（负债）- 公司或个人欠债的金额或法律责任。

3. Equity（股权）- 企业或个人拥有的资产减去负债后的余额。

4. Income（收入）- 公司或个人在一定期间内实现的销售额或盈利额。

5. Expenses（费用）- 公司或个人在一定期间内发生的成本或支出。

6. Interest（利息）- 贷款或存款所产生的费用或收益。

7. Market value（市值）- 资产、证券或股权在市场上的估值。

8. Bond（债券）- 证明借款人向债权人承诺按照特定条件偿还借款本金和利息的文件。

9. Stock（股票）- 公司向股东发行的所有权证明书。

10. Mutual fund（共同基金）- 资金由多个投资者集资形成，由专业基金经理管理和投资的投资基金。

11. Dividend（股息）- 公司向股东发放的利润分红。

12. Foreign exchange（外汇）- 一国货币兑换成另一国货币的行为或货币的兑换比率。

13. Exchange rate（汇率）- 一种货币兑换为另一种货币的比率。

14. Inflation（通货膨胀）- 货币供应增加，物价上涨的现象。

15. Recession（经济衰退）- 经济活动放缓和经济增长停滞的时期。

以上仅为部分金融英语词汇表，希望对读者对金融领域的专业术语有所帮助。

了解和掌握这些词汇，对于学习和实践金融知识非常重要。

在金融职业生涯或金融决策中，正确理解和运用这些术语能够提高工作效率和决策准确性。

希望这份金融英语词汇表对您有帮助，如果您还想了解更多金融英语词汇，可以进一步扩展您的金融词汇量。

祝您在金融领域取得更好的成就！。

金融英语专业术语I,J,K,L下面是店铺整理的金融英语专业术语，希望对大家有帮助。

idle capital 闲置资本idle cash (money) 闲散现金,游资idle demand deposits 闲置的活期存款immobilized capital 固定化的资产.immovable property 不动产.import regulation tax 进口调节税.imposition 征税;税;税款.imprest bank account 定额银行存款专户in force (法律上)有效的.in the tank 跳水inactive market 不活跃市场income in kind 实物所得.income tax liabilities 所得税责任,所得税债务.income taxes 所得税.indemnity 赔偿,补偿.indirect arbitrage 间接套汇indirect finance 间接金融.indirect hedging 间接套做.indirect leases 间接租赁(即:杠杆租赁).indirect rate 间接汇率indirect taxation 间接税.individual income regulation tax 个人调节税. individual income tax 个人所得税.individual savings 私人储蓄Industrial and Commercial Bank of China 中国工商银行industrial financing 工业融资.industrial-commercial consolidated tax 工商统一税.industrial-commercial income tax 工商所得税. industrial-commercial tax 工商税.inflation 通货膨胀inflation 通货膨胀inflation 通货膨胀inflation rate 通货膨胀率inflation rate 通货膨胀率inflation rate 通货膨胀率inflationary spiral 螺旋式上升的通货膨胀inflationary spiral 螺旋式上升的通货膨胀inflationary spiral 螺旋式上升的通货膨胀inflationary trends 通货膨胀趋势inflationary trends 通货膨胀趋势inflationary trends 通货膨胀趋势infrastructure bank 基本建设投资银行initial margin 初始保证金.initial margin 期初保证权.initial margins 初始保证金.initial reserve 初期准备金initial reserve 初期准备金initial reserve 初期准备金insider 内幕人installment savings 零存整取储蓄institution 机构投资者insurance appraiser 保险损失评价人. insurance broker 保险经纪人.insurance contract 保险契约,保险合同. insurance saleman 保险外勤.insurance services 保险业务insure against fire 保火险.insured 被保险人.interbank market 银行同业市场inter-business credit 同行放帐.interest on deposit 存款利息interest per annum 年息interest per month 月息interest rate futures contract 利率期货合约.interest rate policy 利率政策interest rate policy 利率政策interest rate policy 利率政策interest rate position 利率头寸.interest rate risk 利率风险.interest restriction 利息限制interest subsidy 利息补贴interest-rate risk 利息率风险.interim finance 中间金融.intermediary bank 中间银行intermediate account 中间帐户internal reserves 内部准备金internal reserves 内部准备金internal reserves 内部准备金international banking services 国际银行业务International Investment Bank (IIB) 国际投资银行international leasing 国际租赁.in-the-money 有内在价值的期权.intraday 日内intrinsic utility 内在效用.intrinsic value 实际价值,内部价值.inward documentary bill for collection 进口跟单汇票,进口押汇(汇票)isolation of risk 风险隔离.issue bank 发行银行JCB card JCB卡.joint financing 共同贷款.key risk 关键风险.kill a bet 终止赌博.land use tax 土地使用税.large deposit 大额存款large leases 大型租赁.latent inflation 潜在的通货膨胀latent inflation 潜在的通货膨胀latent inflation 潜在的通货膨胀lease agreement 租约.lease and release 租借和停租.lease broker 租赁经纪人.lease financing 租赁筹租.lease immovable 租借的不动产. lease in perpetuity 永租权.lease insurance 租赁保险.lease interest insurance 租赁权益保险. lease land 租赁土地.lease mortgage 租借抵押.lease out 租出.lease property 租赁财产.lease purchase 租借购买.lease rental 租赁费.lease territory 租借地.leaseback 回租.leasebroker 租赁经纪人.leased immovable 租借的不动产.leasehold 租赁土地.leasehold 租借期,租赁营业,租赁权. leasehold property 租赁财产. leasehold property 租赁财产. leaseholder 租赁人. leaseholder 承租人,租借人. leases agent 租赁代理.leases arrangement 租赁安排. leases company 租赁公司. leases structure 租赁结构. leasing 出租.leasing agreement 租赁协议. leasing amount 租赁金额. leasing asset 出租财产,租赁财产. leasing clauses 租赁条款. leasing consultant 租赁顾问. leasing contract 租赁合同. leasing cost 租赁成本.leasing country 承租国. leasing division 租赁部. leasing equipment 租赁设备. leasing industry 租赁业. leasing industry (trade) 租赁业. leasing money 租赁资金. leasing period 租赁期.leasing regulations 租赁条例. legal interest 法定利息legal tender 法定货币legal tender 本位货币,法定货币lessee 承租人,租户.lessor 出租人.letter of confirmation 确认书.letter transfer 信汇leveraged leases 杠杆租赁.lien 扣押权,抵押权.life insurance 人寿保险.life of assets 资产寿命.limit order 限价指令limited floating rate 有限浮动汇率line of business 行业,营业范围,经营种类. liquidation 清仓liquidity 流动性liquidity of bank 银行资产流动性liquidity of bank 银行资产流动性liquidity of bank 银行资产流动性listed stock 上市股票livestock transaction tax 牲畜交易税. loan account 贷款帐户loan amount 贷款额.loan at call 拆放.loan bank 放款银行loan volume 贷款额.loan-deposit ratio 存放款比率loan-deposit ratio 存放款比率loan-deposit ratio 存放款比率loans to financial institutions 金融机构贷款loans to government 政府贷款local bank 地方银行local income tax (local surtax) 地方所得税. local surtax 地方附加税.local tax 地方税.long arbitrage 多头套利.long position 多头头寸long position 多头寸;买进的期货合同. long-term certificate of deposit 长期存款单long-term credit bank 长期信用银行long-term finance 长期资金融通.loss leader 特价商品,亏损大项loss of profits insurance 收益损失保险. loss on exchange 汇兑损失low-currency dumping 低汇倾销low-currency dumping 低汇倾销.。

金融英语词汇大全了解金融市场投资理财和财务管理的英文英语词汇在金融领域，熟练掌握相关的英文词汇是非常重要的。

无论你是在金融市场上投资理财，还是从事财务管理工作，了解金融英语词汇将帮助你与他人沟通，并更好地理解相关概念。

本篇文章将为您提供一份金融英语词汇大全，涵盖金融市场、投资理财和财务管理等多个方面。

一、金融市场词汇1. Securities（证券）: Financial instruments used for investment, such as stocks, bonds, and derivatives.2. Stock exchange（股票交易所）: A marketplace where stocks and other securities are bought and sold.3. Bull market（牛市）: A market characterized by rising prices and optimistic investor sentiment.4. Bear market（熊市）: A market characterized by falling prices and pessimistic investor sentiment.5. Futures（期货）: Contracts that require the buyer to purchase an asset or the seller to sell an asset at a predetermined price and date in the future.6. Options（期权）: Financial derivatives that give the holder the right, but not the obligation, to buy or sell an underlying asset at a predetermined price and date.7. Exchange rate（汇率）: The rate at which one currency can be exchanged for another currency.8. IPO (Initial Public Offering)（首次公开募股）: The first sale of stock by a company to the public.二、投资理财词汇1. Portfolio（投资组合）: A collection of financial assets, such as stocks, bonds, and cash, held by an investor.2. Diversification（多元化投资）: Spreading investments across different assets to reduce risk.3. Risk tolerance（风险承受能力）: The degree to which an investor is willing to accept the potential loss in an investment.4. Return on Investment (ROI)（投资回报率）: The percentage gain or loss on an investment relative to the amount invested.5. Asset allocation（资产配置）: The distribution of investments across various asset classes, such as stocks, bonds, and real estate.6. Mutual fund（共同基金）: An investment vehicle that pools money from multiple investors to invest in a diversified portfolio of securities.7. Hedge fund（对冲基金）: An investment fund that employs various strategies to generate high returns, often taking both long and short positions.8. Stock market index（股票市场指数）: A measurement of the performance of a group of stocks representing a particular market or sector.三、财务管理词汇1. Financial statement（财务报表）: A formal record of a company's financial activities, including the balance sheet, income statement, and cash flow statement.2. Budget（预算）: A financial plan that estimates income and expenses over a specific period of time.3. Cash flow（现金流）: The movement of money in and out of a business or individual's accounts.4. Revenue（收入）: The income generated from sales of goods or services.5. Expenses（费用）: The costs incurred in the operation of a business or individual's daily life.6. Asset（资产）: Anything of value owned by a business or individual, such as cash, inventory, or real estate.7. Liability（负债）: Debts or obligations owed by a business or individual.8. Gross profit（毛利润）: The difference between revenue and the cost of goods sold.以上是一份金融英语词汇大全，涵盖了金融市场、投资理财和财务管理等方面的词汇。

金融英语试题及答案一、选择题（每题2分，共20分）1. 以下哪个选项是“股票”的正确英文表达？A. StockB. BondC. DerivativeD. Option答案：A2. 金融英语中，“利率”通常指的是什么？A. Interest RateB. Exchange RateC. Inflation RateD. Stock Price答案：A3. 在金融领域，“风险管理”的英文表达是什么？A. Risk ManagementB. Asset ManagementC. Fund ManagementD. Portfolio Management答案：A4. 以下哪个选项不是金融工具？A. SharesB. BondsC. LoansD. Software答案：D5. “外汇”在金融英语中通常指的是什么？A. Foreign CurrencyB. Foreign ExchangeC. Foreign TradeD. International Market答案：B6. 金融英语中，“通货膨胀”的英文表达是什么？A. InflationB. DeflationC. HyperinflationD. Stagflation答案：A7. “信用评级”在金融英语中如何表达？A. Credit RatingB. Credit ScoreC. Credit ReportD. Credit History答案：A8. 以下哪个选项是“期货”的正确英文表达？A. FutureB. ForwardC. OptionD. Swap答案：B9. “资产负债表”在金融英语中如何表达？A. Balance SheetB. Income StatementC. Cash Flow StatementD. Statement of Changes in Equity答案：A10. 金融英语中，“市场分析”的英文表达是什么？A. Market AnalysisB. Financial AnalysisC. Economic AnalysisD. Risk Analysis答案：A二、填空题（每题2分，共20分）1. 在金融英语中，"_____" 指的是一种金融衍生品，允许持有者在特定时间内以特定价格购买或出售资产。

Chapter 1The international money market trades short-term claims with an original maturity of one year or less.The international capital market trades capital market instruments with an original maturity greater than one year.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. Chapter 21.Money：Economists define money (also referred to as the money supply) asanything that is generally accepted in payment for goods or services or in the repayment of debts.2.Currency：One type of money：dollar bills and coins3.Medium of Exchange：In almost all market transactions in an economy, money inthe form of currency or checks is a medium of exchange; it is used to pay for goods and services.4.Transaction Cost：The time spent trying to exchange goods and services is called atransaction cost.5.Store of Value：Money also functions as a store of value; it is a repository ofpurchasing power over time. A store of value is used to save purchasing power from the time income is received until the time it is spent.6.Liquidity：Liquidity is a measure of the ease with which an asset can be turnedinto a means of payment, namely money.7.Inflation：Inflation is a sustained rise in the general price level—that is, the priceof everything goes up more or less at the same time.8.Money aggregates: We have drawn the line in a number of different places andcomputed several measures of money, called the money aggregates: M1, M2, and M3.M1=currencycurrency and various deposit accounts on which people can write checks +Traveler’s checks+Demand deposits+Other checkable depositsM2=M1M2 equals all of M1 plus assets that cannot be used directly as a means of payment and are difficult to turn into currency quickly+Small-denomination time deposits+Savings deposits and money market deposit accounts+Money market mutual fund shares (non-institutional)M3=M2M3 adds to M2 a number of other assets that are important to large institutions but not to individuals.+Large-denomination time deposits+Money market mutual fund shares (institutional)+Repurchase agreements+EurodollarsChapter 31. Depository institutions：Depository institutions are financial institutions that accept deposits from savers and make loans to borrowers .W e use the term “banks” as an alternative.2.bank：A bank is a financial institution where you can deposit your money.mercial Banks：A commercial bank is an institution that accepts deposits anduses the proceeds to make consumer, commercial, and mortgage loans. Originally established to meet the needs of businesses, many of these banks now serve individual customers as well4.holding company：A holding company is a corporation that owns a group of otherfirms.munity Banks：Small banks—those with assets of less than $1 billion—thatconcentrate on serving consumers and small businesses.These are the banks that take deposits from people in the local area and lend them back to local businesses and consumers.6.Regional and Super-Regional Banks：larger than community banks and muchless local. Besides consumer and residential loans, these banks also make commercial and industrial loans.7.Money Center Banks：do not rely primarily on deposit financing. These banks relyinstead on borrowing for their funding8.Savings Institutions：Savings institutions, which are sometimes referred to as“thrift institutions” or “thrifts”, are financial intermediaries that were established to serve households and individuals.9.Credit Union：Credit unions (CUs) are nonprofit organizationsThey are composed of members with a common bond, such as an affiliation with a particular labor union, church, university, or even residential area.Chapter 4Insurance Companies: Insurance companies are intermediaries whose primary function is to allow households and businesses to shed specific risks by buying contracts called insurance policies that pay cash compensation if certain specified events occur.1.Insurance:Insurance is a financial arrangement that redistributes the costs ofunexpected losses.2.Insurance System: An insurance system accomplishes the redistribution of thecost of losses by collecting a premium payment from every participant in the system.Marine Insurance —The large majority of ship owners resort to marine insurance for the protection of their ships, freight and other interests against marine perils.Life Insurance—Life insurance pays a stated amount of money on the death of the insured individualFire Insurance —Fire insurance covers losses due to fireProperty Insurance —property insurance covers damage to the properties of the assured subject to an agreed limit.Motor Insurance—a legally required insurance covering the driver of a car for potential damages to other road users or their vehicles from accidents caused through their fault.Accident Insurance—this type of insurance provides compensation in the event of an accident causing death or injury.Liability Insurance —this type of insurance is to protect the policyholder who is sued for damages arising from negligence.Property and casualty insurance--- Policies that cover accidents, theft, or fire are called property and casualty insurance.Health and disability insurance--- Policies that cover sickness or the inability to work are called health and disability insuranceLife insurance---Policies that cover death are called life insurance3.Premiums: Payments made to insurance companies for the insurance they provideare called premiums.4.Reinsurance: Insurance companies commonly obtain reinsurance, whicheffectively allocates a portion of their return and risk to other insurance companies.（1）Pension Funds: Like an insurance company, a pension fund offers people the ability to make premium payments today in exchange for promised payments under certain future circumstances.（2）Pension plan: A pension plan is an asset pool that accumulates over an individual’s working years and is paid out during the nonworking years.5.Installment Loans: Consumer finance firms provide small installment loans toindividual consumers.This kind of consumer credit allows people without sufficient savings to purchase appliances such as television sets, washing machines, and microwave ovens6.Mutual Funds:A mutual fund is a portfolio of stocks, bonds, or other assetspurchased in the name of a group of investors and managed by a professional investment company or other financial institution.7.Open-end mutual funds: Open-end mutual funds are willing to repurchase theshares they sell from investors at any time.8.Closed end: Closed-end mutual funds do not repurchase the shares they sell.9.Investment Bank:It is a financial institution that helps corporations raise funds.10.Securities Brokers:Securities brokers and dealers conduct trading in secondarymarkets.11.Brokers: Brokers are pure intermediaries who act as agents for investors in thepurchase or sale of securities.12.Securities Dealers: Security dealers link buyers and sellers by standing ready tobuy and sell securities at given prices.anized Exchange: An organized exchange actually functions as a hybrid of anauction market (in which buyers and seller trade with each other in a central location14.dealer market: A dealer market (in which dealers make the market by buying andselling securities at given prices)Chapter 51.Interest rate：The willingness to postpone purchases into the future is a function ofthe reward.2.Future Values: future value is the value on some future date of an investmentmade today.3.Present Value:Present value is the value in the present of a payment that ispromised to be made in the future.4.Nominal Interest Rates: interest rate that is adjusted for expected changes in theprice level so that it more accurately reflects the true cost of borrowing.补：The interest rate before taking inflation into account. The nominal interest rate is the rate quoted in loan and deposit agreements. The equation that links nominal and real interest rates is:(1 + nominal rate) = (1 + real interest rate) (1 + inflation rate).It can be approximated as nominal rate = real interest rate + inflation rate.5.Real Interest Rates: （补）An interest rate that has been adjusted to remove theeffects of inflation to reflect the real cost of funds to the borrower, and the real yield to the lender. The real interest rate of an investment is calculated as the amount by which the nominal interest rate is higher than the inflation rate.Real Interest Rate = Nominal Interest Rate - Inflation (Expected or Actual) Chapter 6Money Market：Money market is the market for short-term creditMoney market provides short term debt financing and investment.1.Treasury Bills：A short-term debt obligation backed by the U.S. government witha maturity of less than one year. T-bills are sold in denominations of $1,000 up toa maximum purchase of $5 million and commonly have maturities of one month(four weeks), three months (13 weeks) or six months (26 weeks).2.Negotiable Certificates of Deposit (CDs)：The term CD stands for Certificate ofDeposit. A CD is simply a short- to medium-length investment. Most CDs have a maturity of 1-12 months.mercial Paper：Commercial paper securities are unsecured promissory notes,issued by corporations that mature in no more than 270 days.4.Banker’s Acceptance：Banker’s acceptances are money market instrumentscreated in the course of financing international trade.An acceptance is a financial instrument designed to shift the risk of international trade to a third party willing to take on that risk for a known cost.5.Repurchase Agreements：Repurchase agreements (repos) are short-termagreements in which the seller sells a government security to a buyer and simultaneously agrees to buy the government security back on a later date at a higher price.6.Money Market Mutual Funds：MMMFs are funds that aggregate money from agroup of small investors and invest it in money market instruments.7.open-ended fund：An open-ended fund is one that invests in securities and sellsdirect claims on the securities to investors.Chapter 71.Central Bank：The central bank is the financial institution designed to regulateand control the money supply of a nation, with the goal of fostering economic growth without inflation.2.expansionary policy：lower interest rates, raises both growth and inflation over theshort run3.restrictive policy：Higher interest rates, reduces both growth and inflation.4.Dollar hegemony: dollar hegemony means that managing the US dollar thereforenot only affects the US economy but all economies.Chapter 81.Monetary policy：Defined as the use of various tools by the central bank tocontrol the availability of loanable funds in an effort to achieve national economic goals, such as full employment and reasonable price stability.2.Reserve Requirements: Reserve requirements are a percentage of depositoryinstitutions' demand deposit liabilities that must be kept on deposit at the central bank as a requirement of banking regulations.3.Discount Rate：Discount rate is the interest rate charged by a central bank on loansto commercial banks.4.Open Market Operations：Open market operations, the central ban k’s purchase orsale of bonds in the open marketOpen market purchases：Open market purchases expand reserves and the monetary base, thereby raising the money supply and lowering short-term interest rates.Open market sales：Open market sales shrink reserves and the monetary base, lowering the money supply and raising short-term interest rates.Chapter 9Capital Market：The capital market is the market in which long-term debt (generally those with original maturity of one year or greater) and equity instruments are traded.1.The primary market：The primary market is where new issues of stocks and bondsare introduced. Investment funds, corporations, and individual investors can purchase all securities offered in the primary market.anized Securities Exchanges：Exchange rules govern trading to ensure theefficient and legal operation of the exchange, and the exchange’s board constantly reviews these rules to ensure that they result in competitive trading.3.Over-the-Counter Markets：Securities that are not listed on one of the exchangestrade in the over-the-counter market. This market is not organized in the sense of having a building where trading takes place.4.NSADAQ：shows bid and asked prices for thousands of OTC-traded securities onvideo screens hooked up to a central computer system.5.Bonds：Bonds are securities that represent a debt owed by the issuer to theinvestorMunicipal bonds：These are issued by state and local governments or their agencies to pay for public improvements, reducing debt, or other purposesCorporate bonds：These are issued by corporations that want to raise money for their business venture, ranging from balancing their cash flow to buying new equipment, building new facilities, or spending on new research.Government bonds：Issued by the Federal government or one of the its agencies.6.Treasuries: Treasuries bills, notes and bonds are collectively called “Treasuries”.Treasury Bills (T-bills): These are short-term securities that mature in a year or less. You buy them at a discount price and at the end of the term, you are repaid the full price.Treasury Notes: Theses are issued for the intermediate term, such as 2 years up to10 years. Expect to earn a little higher interest rate than what you could get from aT-bill. Interest is paid every 6 months.Treasury Bonds: Theses are issued for the long term, generally from 10 years to30 years. Expect to earn a higher interest rate than what you could get from aT-note. Interest is paid every 6 months.Savings Bonds: They are government bonds designed especially for individual investors. As such, they can generally only be redeemed by their original owner, except in limited circumstances.7.Primary market:bonds sold for the first time.Secondary market: the resale of bonds some time after their initial offering.8.Face Value: The face value, or par value, of a bond is the value of the bond atmaturity, the date when the loan is paid off. A common face value is $1,000 per bond.9.Coupon Rate: A bond’s coupon rate refers to the amount of interest that will bepaid based on the face value of the bond.10.Yield:The yield is the discount rate or interest rate that an investor wants frominvesting in a bond.11.Stocks:A share of stock in a firm represents ownershipCommon stock:makes up the majority of stocks. As a common stock holder, you have a right to claim dividends and get to have one vote per share when electing board of directors.Preferred stock:does not usually include voting rights and pays a specified dividend, because of which the stock price does not rise and fall along with the company profits.Bull Market: indicates the constant upward movement of the stock market.Bear Market: indicates the continuous downward movement of the stock market.12.Mortgages: Mortgages are loans to households or firms to purchase housing, land,or other real structure, where the structure or land itself serves as collateral for the loans.13.Discount points: Discount points are interest payments made at the beginning of aloanChapter 10Financial derivatives:Financial derivatives are financial contracts, or financial instruments, whose values are derived from the value of something else ( known as the underlying).1.Exchange-traded derivatives (ETD): are those derivatives products that are tradedvia specialized derivatives exchanges or other exchanges.Over-the counter (OTC) derivatives:They are contracts that are traded ( and privately negotiated) directly between two parties, without going through an exchange or other intermediary.2.Forward: A forward, or forward contract, is an agreement between a buyer and aseller to exchange a commodity or financial instrument for a specified amount of cash on a prearranged future date.3.Future: a future, or futures contract, is a forward contract that has beenstandardized and sold through an organized exchange.Hedger: tries to minimize risk by buying or selling now in an effort to avoid risking or declining futures pricesSpeculator: try to profit from the risks by buying or selling now in anticipation of rising or declining future prices4.Initial margin: represents a good faith deposit that serves to cover losses if pricesmove against the trader.5.Options:Options are contracts that give the purchaser the right to buy or sell theunderlying financial instrument at a specified price within a specific period of time(1)There are two basic options: puts and calls:A call gives the holder the right to buy an asset at a certain price within a specificperiod of timeA put option gives the holder the right to sell an asset at a certain price within aspecific period of time.(2)There are two types of option contracts:American options can be exercised at any time up to the expiration date of the contract,European options can be exercised only on the expiration date(3)How to Read An Option TableColumn 1: Strike price: This is the stated price per share for which an underlying stock may be purchased (for a call) or sold ( for a put) upon the exercise of the option contract. Option strike prices typically move by incrementsof $2.50 or $5 (even though in the above example it moves in $2. increments).Column 2: Expiry date: This shows the termination date of an option contract.Remember that US listed options expire on the third Friday of the expiry month.Column 3: Call or Put: This column refers to whether the option is a call or put.Column 4: V olume: This indicates the total number of options contracts traded for the day. This volume of all contracts is listed at the bottom of each table.Column 5: Bid: This indicates the price someone is willing to pay for the options contract.Column 6: Ask:This indicates the price at which someone is willing to sell an options contract.Column 7: Open Interest: Open interest is the number of options contracts that are open; these are contracts that have neither expired nor been exercised.6.Swaps: A swap is an agreement between two parties to exchange sequences ofcash flows for a set period of time.Interest Rate Swap:Interest rate swaps involve the exchange of one set of interest payments for another set of interest payments, all denominated in the same currency.Currency Swap:It involves exchanging principal and fixed interest payments on a loan in one currency for principal and fixed interest payments on a similar loan in another currency.Chapter 11foreign exchange rates：The prices of foreign currencies expressed in terms of other currencies are called foreign exchange rates.1．Spot Transaction：A spot transaction is a straightforward (or “outright”) exchange of one currency for another. (This trade represents a “direct exchange” between two currencies and has the shortest time frame2．Outright Forwards：An outright forward transaction, like a spot transaction, is a straightforward single purchase/sale of one currency for another3．FX Swaps：A swap is an agreement between two parties to exchange payments based onidentical notional principle. In a swap, two parties exchange currencies for a certain length of time and agree to reverse the transaction at a later dateIn the FX swap market, one currency is swapped for another for a period of time, and then swapped back, creating an exchange and re-exchange.short-dated swap：both dates are less than one month from the deal dateforward swap：one or both dates are one month or more from the deal date5.Currency Swaps：In a typical currency swap, counterparties will(1)exchange equal initial principal amounts of two currencies at the spot exchangerate,(2)exchange a stream of fixed or floating interest rate payments in their swappedcurrencies for the agreed period of the swap, and then(3)re-exchange the principal amount at maturity at the initial spot exchange rate.6.Over-the-Counter Currency Options:A foreign exchange or currency option contract gives the buyer the right, but notthe obligation, to buy (or sell) a specified amount of one currency for another at a specified price on (in some cases, on or before) a specified date.6.Exchange-Traded FuturesIn the U.S. exchanges, a foreign exchange futures contract is an agreement between two parties to buy/sell a particular (non-U.S. dollar) currency at a particular price on a particular future date, as specified in a standardized contract common to all participants in that currency futures exchange.7.Exchange-Traded Currency OptionsExchange-traded currency options, like exchange-traded futures, utilize standardized contracts—with respect to the amount of the underlying currency, the exercise price, and the expiration date.The option buyer—who has no further financial obligation after he has paid the premium—is not required to make margin payments.The option writer—who has all of the financial risk—is required to put up initial margin and to make additional (maintenance) margin payments if the market price moves adversely to his position.Chapter 12Balance of Payments：A country’s balance of payments is commonly defined as the record of transactions between its residents and foreign residents over a specified period.A debit entry records a transaction that results in a domestic resident making apayment abroad. A debit entry has a negative value in the balance-of-payments account.A credit entry records a transaction that results in a domestic resident receiving apayment from abroad. A credit entry has a positive value in the balance-of-payment account.1.The Current Account：The current account measures the flow of goods, services,and income across national borders.（1）Goods：The goods category includes imports and exports of tangible goods such as cars, computers, clothes, televisions, etc.If a country’s imports more than it exports in this category, then it is said to have a trade deficit.If a country’s exports more than imports it in this category, then it is said to have a trade surplus.（2）Services：The services category includes flows of payment in exchange for services countries provide to each other: transportation, insurance, banking, tourism, etc.（3）income: The income category measures cross-border compensation of employees.（4）Transfer Payments：Transfer payments include unilateral gifts or payments from private citizens and government of a country to people living abroad or vice versa.3．The Capital and Financial Account：The capital and financial account includes a variety of sub-accounts all dealing with purchases and sales of financial assets or real estate (stocks, bonds, land, buildings, businesses, etc.).4．The Official Settlements Balance：The official settlements balance measures the transactions of financial assets and deposits by official government agencies.5.Deficits and Surpluses in the Balance of Payments：The so-called balance-of-payments deficit or surplus is something other than the overall balance of payments.A balance-of-payments deficit refers to a situation in which the official settlements balance is positive.A balance-of-payments surplus：A situation where the sum of the debits and credits in the current and the capital and financial account is positive means that private payments received from foreigners exceed private payments made to foreigners. In this case, the official settlements balance is negative, and there is a balance-of-payments surplus.A balance-of-payments equilibrium refers to a situation where the sum of the debits and credits in the current account and capital and financial account is zero, and thus the official settlements balance is zero.Chapter 131.Letters of Credit A letter of credit is an internat ional bank’s future promise to payfor goods stored overseas or for goods shipped between two countries。

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。