金融英语

Intermediaries

The primary distinction between the two channels is that, in the first case, i.e. direct financing, the investor is faced directly with the credit risk of the issuer, while in the second case, i.e. financing through financial intermediation, a financial institution, such as a bank, interjects itself between users and providers of funds. Any analysis of the sector of money market dominated by financial intermediaries must be very much concerned with these financial institutions themselves (their policies, financial conditions and official regulatory environment) in addition to those factors governing the suppliers and users of funds.
1.2

Functions

Apart from borrowing from banks, a firm or an individual can obtain funds in a financial market in two ways. The most common method is to issue a debt instrument, such as a bond or a mortgage, which is a contractual agreement by the borrower to pay the holder of the instrument fixed amounts at regular intervals (interest and principal payments) until a specified date (the maturity date), when a final payment is made.

金融英语文章下面是一篇关于金融英语的文章，希望对您有所帮助：金融英语是金融行业的专业语言，随着金融市场的全球化，金融英语变得越来越重要。

掌握金融英语不仅可以帮助您更好地理解金融市场和金融产品，还可以帮助您在跨国金融机构和国际金融市场中获得更多的机会和成功。

在金融英语中，有很多专业术语和行话，如“FX”，“CME”，“LIBOR”等。

这些术语和行话是金融行业的共同语言，可以帮助人们快速、准确地传递信息和交流思想。

因此，掌握这些术语和行话是学习金融英语的基础。

除了专业术语和行话外，金融英语还包括了许多金融领域的文章、报告、电子邮件、信函等。

这些文本通常涉及到金融市场的动态、金融产品的特点、风险管理、投资策略等方面。

通过阅读这些文本，您可以了解金融市场的运作和规则，掌握金融产品的特点和风险，提高自己的投资策略和风险管理能力。

为了更好地学习金融英语，您可以采取以下措施：1. 学习专业术语和行话：通过阅读相关书籍、文章、报告等，了解并掌握金融领域的专业术语和行话。

2. 阅读英文原版资料：阅读英文原版的金融文章、报告、邮件等，可以提高自己的阅读能力和对金融英语的理解。

3. 练习听力和口语：通过听金融新闻、参加金融英语角等方式，提高自己的听力和口语能力。

4. 参加培训课程或在线学习：参加专业的金融英语培训课程或在线学习平台，可以系统地学习金融英语的知识和技能。

5. 与同行交流：与同行交流可以了解他们的经验和见解，同时也可以提高自己的表达和沟通能力。

总之，掌握金融英语对于在金融行业取得成功非常重要。

通过不断学习和实践，您将能够更好地理解和应用金融英语，从而在国际金融市场中获得更多的机会和成功。

Chapter One Functions of Financial Markets 一．Translate the following sentences into Chinese.1.China’s banking industry is now supervised by the PBC and CBRC. In addition, the MOFis in charge of financial accounting and taxation part of banking regulation and management.目前中国银行业主要由中国人民银行和银监会进行监管。

此外，财政部负责银行业监管的财务会计及税收方面。

2.Currently Chinese fund management companies are engaged in the following business:securities investment fund, entrusted asset management, investment consultancy, management of national social security funds, enterprise pension funds and QDII businesses.目前中国的基金管理公司主要从事以下业务：证券投资基金业务、受托资产管理业务、投资咨询业务、社保基金管理业务、企业年金管理业务和合格境内机构投资者业务等。

3.China's economy had 10% growth rate in the years before the world financial crisisof 2008. That economic expansion resulted from big trade surpluses and full investment.Now China is seeking to move away from that growth model. The country is working to balance exports with demand at home.在2008年世界经济危机之前的那些年，中国经济增长速度曾达到10%。

常用金融英语词汇大全必备单词在英语的学习中，词汇量的积累无疑是很重要的，有关金融方面的英语单词你知道多少呢，下面是店铺整理的一些常用金融英语词汇，希望对大家有帮助。

常用金融英语词汇：H合理预期 rational expectation核心资本 core capital合资企业 joint-venture enterprises红利 dividend宏观经济运营良好 sound macroeconomic performance宏观经济基本状况 macroeconomic fundamentals宏观调控 macroeconomic management(or adjustment)宏观调控目标 macroeconomic objectives(or targets)坏账 bad debt还本付息 debt service换汇成本unit export cost;local currency cost of export earnings汇兑在途 funds in float汇兑支出 advance payment of remittance by the beneficiary's bank汇率并轨 unification of exchange rates活期存款 demand deposits汇率失调 exchange rate misalignment混合所有制 diversified(mixed)ownership货币政策态势 monetary policy stance货款拖欠 overdue obligations to suppliers常用金融英语词汇：J基本建设投资 investment in infrastructure基本经济要素 economic fundamentals基本适度 broadly appropriate基准利率 benchmark interest rate机关团体存款 deposits of non-profit institutions机会成本 opportunity cost激励机制 incentive mechanism积压严重 heavy stockpile;excessive inventory挤提存款 run on banks挤占挪用unwarranted diversion of(financial)resources(from designated uses)技改投资 investment in technological upgrading技术密集型产品 technology-intensive product计划单列市 municipalities with independent planning status 计划经济 planned economy集体经济 the collective sector加大结构调整力度 to intensify structural adjustment加工贸易 processing trade加快态势 accelerating trend加强税收征管稽查 to enhance tax administration加权价 weighted average price价格放开 price liberalization价格形成机制 pricing mechanism减亏 to reduce losses简化手续 to cut red tape;to simplify(streamline)procedures 交投活跃 brisk trading缴存准备金 to deposit required reserves结构扭曲 structural distortion结构失调 structural imbalance结构性矛盾突出 acute structural imbalance结构优化 structural improvement(optimization)结汇、售汇 sale and purchase of foreign exchange金融脆弱 financial fragility金融动荡 financial turbulence金融风波 financial disturbance金融恐慌 financial panic金融危机 financial crisis金融压抑 financial repression金融衍生物 financial derivatives金融诈骗 financial fraud紧缩银根 to tighten monetary policy紧缩政策 austerity policies;tight financial policies经常账户可兑换 current account convertibility经济特区 special economic zones(SEZs)经济体制改革 economic reform经济增长方式的转变 change in the main source of economic growth(from investment expansion to efficiency gains) 经济增长减速economic slowdown;moderation in economic growth经济制裁 economic sanction经营自主权 autonomy in management景气回升 recovery in business activity境外投资 overseas investment竞争加剧 intensifying competition局部性金融风波 localized(isolated)financial disturbance。