清华大学出版社金融英语 期末考试提纲.doc

Default:违约failture to perform on a foerign exchange transaction or failture to pay an interest obligation on a debt.Fiscal:财政 Fiscal is used to describe something that relates to government money or public money, especially taxes.The accountants audited the companys books at the end of the fiscal year.财政年度结束时，会计师们审查公司的账册。Reserves:储备The dollars reserve-currency status let America borrow cheaply, causing the countrys credit and housing bubbles to persist for longer than they otherwise would have.美元作为储备货币的地位让美国可以很便宜地借到钱，这导致了美国的信贷和房屋泡沫比本来持续了更长的时间。Circulate:流通During a depression money circulates slowly.循环在商业萧条时期，货币流通滞缓。Domestic:国内的Low prices crimped domestic output and foreign imports.低物价阻碍了国内出口和国外进口。Gold:黄金America went off the gold standard after the Great Depression.大萧条后，美国停止使用金本位制。Minimum:最小值Employers frequently pay workers below the minimum wage, and some employers do not pay their workers at all.雇主常付给工人低于最低工资的薪水，而且有些雇主根本给他们的工人支薪。Deposit:存款Atomicity requires that both withdrawal and deposit should happen in one go, or neither must occur.原子性要求提款和存款必须同时发生，或者二者都不发生。Lump sum:总额Fees will eat your savings. Withdraw a lump sum once, for the week, based on a budget.坚持在一周的预算上只取一笔。Installment:分期付款We accept neither payment by installment nor deferred payment.我们既不接受分期付款，也不接受延期付款。Certificate of deposite: A time deposit at a bank should be thought of as similar to a certificate of deposit.银行的定期存款就相当于一张存款单。Syndicated loan:辛迪加贷款It recently raised CNY750 million via a three-year syndicated loan arranged by UBS.最近在瑞银的安排下，远东宏信通过三年期银团贷款募集了7.5亿元的资金。Principal:本金If the price level rises, your principal rises as well. 如果价格升高，你的本金也会升高；Banknote:钞票Central Banks history of issuing banknote may be divided into two periods.中央银行发行钞票的历史可以分为两个时期。Value:价值Due to the lack of market-price data on these assets, financial firms have to determine their value themselves.由于这些资产缺乏市场价格，金融企业不得不自己来决定它们的价值。Travelers cheque:旅行者支票The tourist changed a travelers cheque into local currency.这名游客把旅行支票兑换成当地货币。Commission:手续费However, as an encouragement for businesses, we will allow you a 3% commission.然而，作为一种贸易奖励，我们可以给您3%的佣金。Recourse:追索权Non-recourse means the governments loan is backed only by the collateral value of the toxic asset itself.无追索权意味着政府贷款仅由问题资产的抵押品价值提供支持。Certified cheque:保付支票The report was submitted to the commission for its consideration.这份报告已呈报委员会审批。Password:密码He typed in his password to log in.他打进自己的口令进行注册。T/T remittance:电汇In Chinas foreign trade, when remittance is adopted, most of business is done through M/T and T/T.在我国对外贸易实践中使用汇付时，大多数交易通过信汇和电汇完成。Borrowing limit:借款限额The most pressing is the governments need to raise its$ 16.394 trillion borrowing limit. 目前最紧迫的问题是政府需要提高其16.394万亿美元的借债上限Pledge:质押And some see the giving pledge as a packaging stunt. 也有些富人做这样的保证只是为了形象包装written application:书面申请书A written application shall be in the form prescribed in schedule1.书面申请须采用附表1所订明的格式Loan:贷款Certainly chinas loan growth is worrisome. 中国的贷款增长确实令人担忧Mortgage:抵押The bank refused to accept any mortgage on land.银行拒绝接受任何土地抵押。Bankers acceptance:银行承兑（票据或汇票）The issuing bank will sell the bankers acceptance in the market and remit the funds to the beneficiary .开证行将在市场上售出银行承兑汇票，而后把这笔款汇付给受益人。Credit balance:信用余额The credit balance comprises stated accounts and unstated accounts.授信余额包括表内和表外的项目。commercial contract:商业合同for your information,value forMonetary policy:货币政策Reserve requirements:储备要求Circulation:流通the spread or transmission of something money to a wider group or areaIssue:发行supply and distributeDiscount rate:贴现率the rate of interest set by the Federal Reserve that member banks are charged when they borrow money through the Federal Reserve System 2. interest on an annual basis deducted in advance on a loan.Open martket operations:公开市场操作the purchase and sale of government securities by the centrle bankTime deposit:定期存款a certificate of deposit from which withdrawals can be made only after advance notice or at a specified future dateWithdrawal:提款the act of taking out money or other capitalAccount:账户If you have an account with a bank, you have an arrangement to leave your money there and take some out when you need it.Beneficiary:受益人Credit available with any bank by negotiation, against presentation of beneficiarys draft(s) at sight, drawn on us in duplicate.本信用证可由任何一家银行议付，议付时需提供由受益人向开证行开出的即期汇票一式两份。Passbook:存折a record of deposits and withdrawals and interest held by depositors at certain banksMaturity:到期the date on which a financial obligation must be repaidJoint and several liability:连带责任Treasury bond:长期国库券（联邦债券）a debt instrument with maturities of 10 years or longerSpot exchange rate:即期汇率 Remitting bank:汇款行 Credit card:信用卡Encash:变现to exchange (a cheque) for cashSettlement:结算/结账/清算pay what is dueDemand deposit:活期存款bank money or scriptural money are funds held in demand deposit accounts in commercial banks Hypothecation:抵押mortgage, pledge.A long-term loan secured by real estateBalance sheet:资产负债表A statement showing a firms accounting value on a particular date. It reflects the equation, Assets=Liabilities+Stockholdersequity.声明中显示一个公司的会计价值在特定的日期。它反映了方程,资产=负债+股东股权。Dividend:股息The part of companys profit which is distributed to shareholders.Income statement:损益表a financial statement that gives operating results for a specific periodProfit:利润A financial or monetary gain obtained form a loan or investmentRisk:风险The possibility that a loan or investment will not produce the return we expect or what we will actually lose money.贷款或投资的可能性不会产生返回我们期望或我们会赔钱Commercial bank:商业银行An institution that accepts deposits from the public, makes personal, commercial and industrial loans and provides other banking service.一个机构,接受公众存款,使个人、商业和工业贷款和提供其他银行服务。Promissory note:本票Financial document in which the buyer agrees to make payment to the seller at a specified time 财务文件,买方同意付款给卖方在指定时间Bear market:熊市A declining market市场衰退Bull market:牛市A rising market一个上升的市场Convertible currency :可自由兑换货币 A currency that can be traded for other currencies at will.Foreign Exchange Reserve:外汇储备Foreign-exchange reserves(also calledforex reservesorFX reserves) are assets held bycentral banksandmonetary authorities, usually in differentreserve currenciesdebit:借款loan:贷款 Money advanced to a borrower to be repaid at the later date.Beneficiary:受益人 An individual ,company ,organization ,etc. entitled to receive benefits under a life insurance policy.Share:股票One of the parts into which the ownership of a company is divided.Merger:合并A form of corporate acquisition in which one film absorbs another and the assets and liabilities of the two firms are combines.FAS covers two fields,namely big size construction projects and corportate merger and acquisition.Face value:面值 The value of a bond that appears on its face; also referred to as par value or principal.federal bonds:联邦债券Credit:信用、信贷An agreement by which something of valuegoods,services,money is given in exchange for a promise to pay it back at some time in the future.Interest rate:利率The rate charged for the use of money.The interest rate goes up and down as market conditions change.Rate of return:回报率The earnings or profit on money we lend or invest expressed as a percentage of the amount of money loaned or invested.Primary market:一级市场The function of a stock exchange in bringing securities to the market for the first time.Secondary market:二级市场The market where existing financial instruments are traded. Liquidity:流动性变现性its the ease with which financial assets can be converted to cash without creating a subatantial change in price or value.its influenced by the amount of float in the security,investor interest and size of the investment being converted to cash.The closing of an existing position. 清仓public-trade company:上市公司A public-trade company is a company whose shares can be bought and sold by members of the general public.Portfolio:投资组合 a collection of securities owned by an investor.选词填空213页和 以下重点1. A portion of a companys profit paid out to common and preferred shareholders,the amount having been decided on by the companys board of directors.-dividend2. A company whose securities are traded on a stock exchange.-listed company3. A method of evaluating the future prospects of a company by analyzing its financial statements.-fundamental analysis4. The market for securities not listed on an exchange-Otc5. Stocks of stable companies that have a low to moderate risk and pay regular dividends.-preferred stock(or shares)6. The possibility of loss; the uncertainty of future returns.-risk7. The process by which a private company offers shares to the public for the first time and thereby becomes a public company.-ipo8. A class of stock that represents ownership in a company.-common share9. failure to perform on a foreign exchange transaction or failure to pay an interest obligation on a debt.-default10. a company whose common shares can be freely bought and sold by anyone.-public company11. a financial institution whose primary function is to obtain capital for companies and individuals to expand their wealth through investment.-investment bank12. the amount returned to bondholders at maturity.-yield to maturity13. a combination of letters that identifies a stock-exchange security.-ticker symbol14. a condition of a financial market characterized by generally rising prices.-bull market15. a method of evaluating future security prices and market directions based on statistical analysis of variables such as trading volume,price changes,etc.to identify patterns;a graphical analysis of historical price trends,used to predict likely future trends in the market.-technical analysis1.In a surprising move,the countrys central bank raised the interest rate it charges on loans make to commercial banks.意外地举动，中央银行上调利率只是商业银行的贷款利率升高。2.The bank seemed to be mainly targeting at speculators, who were buying up a large amount of real estate in the hope of flipping it for quick profits. 此银行似乎针对投机者，这些投机者买入大量不动产并试图通过炒卖而快速获利。3.Just like the oil in your cars engine keeps it running smoothly, investment banking lubricates the economy . It is an essential part of a growing, vibrant society.127就如同发动机的润滑油可以使其运行的流畅，投资银行是经济的润滑剂。4.Financial markets play a very important part in the well-being of every person. They interact with other markets and affect our countrys wealth, growth and prosperity.148金融市场在每个人的生活中扮演了一个非常重要的角色。金融市场与其他的市场相互作用并影响着我们国家的财富，发展和繁荣。5.Building a factory, a pipeline ,oil refinery, operating an airline, developing a mine-banks can provide a large part of the financing you need.建工厂，铺管道，提炼石油，经营航空公司和开矿需要你融通大量资金6. International trade contributes much to the economic growth of a country.Whthout banks,trading among business in many countries would be very difficult.英译汉96国际贸易对一国经济增长贡献很大，若没有银行，众多国家间的商务贸易将变得十分困难。7.Insurance is designed to protect you from loss, grow your assets or help you save money for the future . It is a critical part of ensuring your financial well-being.299保险可以使你免受损失，增加资产，为将来储蓄。保险在确保你经济状况良好方面发挥着至关重要的作用。8.The insurance company is only required to pay the amount of money provided for in the policy . If the actual loss exceeds this amount