1、金融英语复习金融英语复习(总9页)单选2*5 判断1*10 中英互译 8*5（中译英3，英译中2） 名词解释5*6 小作文 10*1 结论+论据（5到6句话） 单项选择比考点 HKD 港币 hongkong DEM 德国马克（Deutsche Mark） Germany CHF 瑞士法郎 SWITZERLAND 瑞士 SEK 瑞典克朗 sweden 瑞典 BEF 比利时法郎 Belgium 比利时 CAD 加拿大元 Canada USD 美元GBP 英镑 GREAT BRITAIN ITL 意大利里拉 Italy NLG 荷兰盾 holland NOK 挪威克郎 norway DKK 丹麦克朗
2、 denmark FRF 法国法郎 france JPY 日元 Aud 澳元ESP 西班牙 基点 % one hundredth of one percent 名词解释 Central bank: a financial institution designated by the central government to formulate and implement monetary policy and to supervise and regulate the financial industry 中央政府指定的金融机构，负责制定和实施货币政策，监督和规范金融行业。Savings（cu
3、rrent）deposit(活期储蓄存款)： Savings deposit is a method of deposit that sets no limit on length of maturity,time and amount of deposit and withdrawn. 储蓄存款是一种对存款期限、期限和存款额不设限制的存款方式。Time deposit (定期存款): It is a kind of deposit with a definite length of maturity ,deposited and, withdrawn together with the in
4、terest in a lump sum or by installment 它是一种具有一定期限的存款物，存放和提取，连同对一次或分期付款的利息。Time deposit of lump-sum deposit and withdrawal(整存整取定期储蓄存款)（50元）:It is a kind of deposit with a definite length of maturity, deposited and, withdrawn together with the interest and principal in a lump sum它是一种具有一定期限的存款物，存折，并连同利
5、息和本金一并提取。 Time deposite of small savings for lump-sum withdrawl(零存整取定期存款)(5元) It is a kind of deposit that the length of maturity and a fixed amount of deposit are agreed at the time of account opening, and money is deposited by month 这是一种存款期限，在开户时约定定期存款的期限，并按月存款。 Time deposite of principal receivin
6、g and interest withdrawal(存本取息定期储蓄存款)5000 It refers to savings deposit whose principal is deposited by lump sum,whose interset is withdrawn by installment and whose principal is repaid when on due date. 它是指由一笔款项存入本金的储蓄存款，该存款由分期提取，并在到期日偿还本金。Time or savings optional deposit (定活两便储蓄存款) 50 It is a kind
7、of deposit with indefinite length of maturity whose interest rate varies in line with the length of maturity.它是一种期限不定的存款，其利率随着期限的长短而变化。Housing loans They are loans granted by bank to borrowers to facilitate their housing purchasses.它们是银行向借款人发放的贷款，以方便他们购买住房。Housing loans for personal possession(个人住房贷
8、款) They are loans granted by bank to borrowers to facilitate their housing purchasses by taking credit funds from the bank as the source of payment 它们是银行向借款人发放的贷款，通过从银行获取信贷资金来作为支付来源来帮助他们购买住房。Housing loans on Authorization (信贷资金)委托住房贷款They refer to loans to individuals who buy ordinary houses granted
9、 by the bank on the authorization of the public reserve fund management department, according to the prescribed requirements, and with the public reserve deposits as the source of funding. 他们指的是根据规定的要求，向购买银行授权的普通住房的个人发放贷款，并将公共储备存款作为资金来源。Combined housing loan 组合贷款Combined housing loan refers to a loa
10、n granted by the bank to the same borrower to facilitate the purchase of an ordinary house for his or her own use that takes the public reserve deposit and the credit fund as the sources of funding联合住房贷款是指银行向同一借款人发放的一笔贷款，用于购买一套普通住房，以供其本人使用，并将公共储蓄存款和信贷资金作为资金来源。Expected rate of return 预期收益率 The rate o
11、f return that we expect to earn when we loan money to someone or invest in a business or in real estate. 当我们贷款给某人或投资于商业或房地产时，我们期望赚到的回报率。Rate of return 收益率 The profit on money we invest expressed as a percentage of the amount of money invested 我们所借或投资的钱的收益或利润，以贷款或投资的金额的百分比表示Risk The possibility that
12、a loan or investment will not produce the return we expect or that we will actually lose money. Risk is the financial uncertainty that the actual return on an investment will be different from the expected return .Factors of risk that can affect an investment include inflation or deflation, currency
13、 exchange rates ,liquidity ,default by borrowers and interest rate fluctuation. 贷款或投资不会产生我们预期的回报或我们实际上会赔钱的可能性。风险是指投资的实际回报与预期收益不同的金融不确定性，可能影响投资的风险因素包括通货膨胀或通货紧缩、货币汇率、流动性、借款人违约和利率波动。Bankers acceptances 银行承兑汇票 A draft accepted by a bank and used as a form of borrowing in the money market 银行承兑的汇票，用作货币市场借
14、款的一种形式。Capital market 资本市场 Markets for financial assets and liabilities with maturity greater than one year, including long-term government and corporate bonds, preferred stock, and common stock. Money obtained by issuing this type of instrument is repayable after one year and in the case of most eq
15、uity securities ,it is not expected to be repaid. 金融资产和负债期限大于一年的市场，包括长期政府和公司债券、优先股和普通股。发行这类票据所获得的资金，在一年以后再偿还，在大多数股票证券的情况下，预计不会偿还Capital Structure 资本结构 The proportion of debt and equity and the particular forms of debt and equity chosen to finance the assets of the firm 债务和股票的比例以及为公司资产提供融资的特定形式的债务和股权
16、。Default risk 违约风险 The uncertainty that some or all of an investment may nor be returned 一些或全部投资的不确定性可能也不会被归还。Liquidity 流动性，变现能力 Liquidity is the ease with which financial assets can be converted to cash without creating a substancial change in price or value .Liquidity is influenced by the amount o
17、f float in the security, investor interest and size of the investment being converted to cash 流动性是指金融资产可以轻易地转换为现金，而不会在价格或价值上产生实质性的变化。流动性受到证券中浮动金额的影响，投资者的兴趣和投资规模被转换成现金。Private placement 私募配售 A securities issue privately placed with a small group of investors rather than through a public offering 证券发行
18、:由一小群投资者私下发行，而不是通过公开发行。Preferred shares 优先股 Shares that pay a fixed dividend and have a claim on the assets of a corporation ahead of the common shareholders 股份支付固定股利，并在普通股股东之前对公司的资产进行索赔。Capital gain 资本利得 The amount of profit realized when an asset sold at a price higher than the purchase price. 当资产
19、以高于购买价的价格卖出时所实现的利润。Capital loss 资本损失 The amount of profit realized when an asset sold at a price less than the purchase price. 当资产以低于购买价的价格出售时所实现的利润。Discount 贴现（单选） The margin by which the purchase price is cheaper than the redemption price .If a bond is selling below its face value ,it is said to s
20、ell at a discount. 购买价格低于赎回价格的差额。如果债券以低于面值的价格出售，据说它会折价出售。Yield 收益率 The return earned on an investment taking into account the annual income and its present capital value .There are a number of different types of yield and in some cases different methods of calculating each type. 一项投资的收益，考虑到年度收入和目前的资
21、本价值。有许多不同类型的收益率，在某些情况下，每种类型的计算方法不同。Yield to maturity 到期收益率 The discout rate that equates the present value of interest payments and redemption value with the present price of the bond 将当前的利息支付和赎回价值与债券的现价等价的贴现利率。Zero coupon bond 零息债券 Bonds that are sold at a deep discount and pay no interest 折价出售的债券，
22、不支付利息。Registered bonds 记名债券 Bonds for which each issuer maintains a record of its bonds. countries requiring that bonds be issued in registered form include the United States and Japan 每个发行方保持其债券记录的债券。要求发行债券的国家包括美国和日本。Bearer bonds Common share 不记名债券 Security representing equity ownership in a corpor
23、ation ;holders of common shares have the right to elect the directors and receive dividends; common shareholders rank after creditors, bondholders and preferred shareholders. 代表股权所有权的证券公司;普通股的持有人有权选举董事并获得股息;普通股股东在债权人、债券持有人和优先股股东之后。At the time of account opening,you will be asked to fill in a deposit
24、 slip,and the savings outlet will give you a certificate of deposit agaist which the principal and interest may be withdrawn at tine of maturity 当账户开立时，开户时，你会被要求填写一张存款单，并且储蓄机构会给你一个存款证明关于本金和利息可以在到期时收回。 The client needs to countersign(复签) the travelers cheque in the presence of the paying cashier imme
25、diately and the countersignature shall be consistent with the initial signature. 客户需要在付款收银员面前立即复签旅行支票 并且复签签名必须与原始签名一致Our bank may,entrusted by the client,collect from the relevent payer abroad such bills as personal cheque,postal order,fiscal cheque,draft,corporate cheque and bank cheque for which o
26、ur bank dose not bear paying liability. 我们的银行，由客户委托，收取相关付款人的票据款项如私人支票，邮政支票，财政支票，汇票，公司支票 和银行本票。而我们的银行不承担付款责任。 When collection is handled,a collection application in duplicate shall be filled in,with one copy returned to the client to serve as a certificate for obtaining proceeds 当托收受理时，托收申请需要一式两份填写，一
27、份返回到客户作为获取收益的凭证。掌握投资银行中的关键词 Important note:depending on the way in which money is made,the supplier earns interest(loans including bonds),dividends(shares) or profit(business or real estate) Term 定期 How fast a loan is to be paid or an investment converted back into cash. Flip it 抛售 Downpayment首付 Cur
28、rency conversion 汇兑 Savings deposite 储蓄账户 Housing loans for individuals 私人住房贷款 Cash flow 现金流 Compensation 代偿 质物 hostage Guarantee 被担保人 Guarantor Stipulated adj. 规定的 Evaluated value 估值 Registered treasury bonds 凭证式国债 Joint and several liability guarantees 连带责任 Pledge 质押 Mortgage 抵押 Shortfall 不足部分 Cre
29、dentials 身份证明 The pubilic reserve fund 公积金 Subrogation 代理人 Proceeds 收入、获益 down payment n.预付定金;分期付款的首次交款 Undertaking n.企业 Stipulate 规定 Savings deposit 储蓄账户 Lump-sum deposit 整存 Lump- sum withdrawal 整取 Time deposit 定期存款 Passbook 存折 Small savings 零存 Principal receiving 本金 Debit card 借记卡 Maturity 到期 Cert
30、ificate of deposite 存单，存款证明Default 违约 deposit slip 存款单 Certificateed deposit 大额存单 Registered treasury bonds 记账式凭证 Pledge security 安全等级 Notarized 公证的 notary office 公证处 Commission 手续费 佣金 Remit V.汇款 Remittance n.汇款 outward remittance 汇出汇款 Trade acceptance bills商业承兑汇票 Bank acceptance bills 银行承兑汇票 Bill d
31、iscount 贴现 Become due 到期 Collect the sum under the bill Encash 变现 Formality正式手续 Turnover转手 In good faith诚实守信 Hypothecation抵押 Automatic renewal 自动续约 Working capital 营运资本 Full capacity for civil conduct Compatriots 同胞 In question 所提及的 Combined guarantee 混合型担保 Credentials 身份证明 Residence registration Certificate of ownership 产权证明 Written document书面证明 By subrogation 代理 Volatility 波幅 Debt securities 债务型证券 Redeem 赎回，变现 Coupon rate 息票率 Current yield 当期收益率 Par 票面价 Blue chip firms蓝筹股 Collateral 抵押物 Debenture 无担保公司债务Manage financial affairs Intermediary 中间人 Primary market
