金融英语期末总结 8900字

精品文档2016全新精品资料全新公文范文全程指导写作独家原创1/8金融英语期末总结8900字1BANKS2PROVIDESTHEINDISPENSIBLENATIONALPAYRIIENTMECHANISMFORTHEDEVELOPMENTOFMODEMFINANCIALANDBUSINESSSYSTEM56THEBASELACCORDSETSMINIMUMCAPITALRATIOREQUIREMENTSFORINTERNATIONALLYACTIVEBANKS7ONEOBJECTIVEOFBANKINGSUPERVISIONISTOPROTECTDEPOSITORSFUNDSANDMINIMIZETHELOSSESTOBEABSORBEDBYTHEDEPOSITINSURANCEFUNDPERCENTITSELFINSERIOUSTROUBLEASWELLTELLUSHOWMANYUNITSOFTHEFOREIGNCURRENCYREQUIREDTOBUYONEUNITOFTHEDOMESTICTURRENCY12IFANIMPORTERWHOBUYSGOODSTODAYHASTOPAYFORTHEGOODSINAFOREIGNCURRENCYONEMONTHFROMTODAY,ITMAYBECONVENIENTTOBUYTHECURRENCYNOWFORDELIVERYINAMONTHTHETRANSACTIONISTHEDATEONWHICHTHEMONEYMUSTBEPAIDTOTHEPARTIESINVOLVEDINSPOTTRANSACTIO15IFWEHAVEAQUOTEOF73762Z74058FORZT,REPORTSSUBMITTEDBYMANAGEMENTTOINVESTOR,CREDITOR,ANDOTHEROUTSIDETHEBUSINESS18WHICHOFTHEFOLLOWINGISNOTINCLUDEDINTHEACCOUNTING精品文档2016全新精品资料全新公文范文全程指导写作独家原创2/8CONCEPTSANDPRINCIPLES21INVESTMENTBANKSROLEINTHEFINANCIALMARKETSINVOLVES25WHENABANKHOLDSVALUABLESANDDOCUMENTSFORITSCUSTOMERINSAFECUSTODY,ITHASTOTAKEARE26THERELEVANTDOCUMENTATIONANDDISBUMESTHEFULLAMOUNTOFTHELOANTOTHEBORROWER27SALEOFONEASSETANDTHEPUMLIASEOFANOTHER2829WHICHOFTHEFOLLOWINGISTRUEOFAMORTGAGE301THESKILLSANDINSTITUTIONSFORRISKMANAGEMENTINANOPENMARKETECONOMYAREDIFFERENTFROMTHOSEINARELATIVELYCLOSEDCENTRALLYPLANNEDECONOMY（T）2THECOMPREHENSIVERISKMONITORINGANDWARNINGSYSTEMFOCUSESONTHESAFETY,LIQUIDITYANDPROFITABILITYOFFINANCIALINSTITUTIONS（T）3WHEREWESTUDYSECURITIES,WESHOULDKNOWSOMETHINGABOUTFINANCIALMARKETS,SUCHASSTOCKMARKET,BONDMARKET,WHICHARECLASSIFIEDASMONEYMARKETS（F）精品文档2016全新精品资料全新公文范文全程指导写作独家原创3/84COVERIBLEBONDSAREKNOWNASTBONDS,WHICHCARRYARATEOFINTERESTANDGIVETHEOWNERTHERIGHTTOEXCHANGETHEBONDSATSOMESTAGEINTHEFUTUREINTOORDINARYSHARES（F）5LOFSTANDSFORLISTEDOPENENDEDFUNDWHICHCANBEREDEEMEDORSUBSCRIBEDATBOTHSTOCKEXCHANGEANDFUNDSALESOUTLETS（T）6THERISKBASEDLOANCLASSIFICATIONSYSTEMDIVIDESTHELOANSINTOPASS,SPECIALMENTION,SUBSTANDARD,DOUBTFULANDLOSSFIVECATEGORIES（T）7ONEOFTHEINHERENTRISKSINBANKINGISTHEMARKETRISK,WHICHCANBEFURTHERDIVIDEDINTOEXCHANGERATERISKANDINTERESTRATERISK（T）8THELIMITONTHEDEPOSITINSURANCECOVERAGEALSOSERVESTOMAXIMIZEMORALHAZARDONTHEPARTOFTHEDEPOSITORS（F）9THEMOSTIMPORTANTTYPESOFOPERATIONALRISKINVOLVEBREAKDOWNSINEXTEMALCONTROLSORCORPORATEGOVERNANCE（F）10REPUTATIONRISKISPARTICULARLYDAMAGINGFORBANKSSINCETHENATUREOFTHEIRBUSINESSREQUIRES精品文档2016全新精品资料全新公文范文全程指导写作独家原创4/8MAINTAININGTHECONFIDENCEOFDEPOSITORS,CREDITORS,ANDTHEGENERALMARKETPLACE（T）11ONJULY21,20XX,RMBEXCHANGERATEREGIMECHANGEDTOAMANAGEDFLOATINGSYSTEMWITHAREFERENCETOABASKETOFCURRENCIES（T）12INORDERTOELIMINATETHERISKOFASIGNIFICANTRISEOFONECURRENCYSEXCHANGERATE,WESELLTHECURRENCYFORWARD（F）13FUTURESARESTANDARDFORWARDCONTRACTSTRADEDONEXCHANGES（T）14THEPEOPLESBANKOFCHINAISTHEAGENCYRESPONSIBLEFOREIGNEXCHANGEADMINISTRATION（F）15IFFORWARDPRICEISHIGHERTHANTHESPOTPRICE,WECALLITDISCOUNT（F）16INCOMEANDEXPENSEACCOUNTSREPRESENTCHANGESINASSETS（F）17ASSETACCOUNTSINCLUDECASH,FURNITUREANDFIXTURES,ACCOUNTSPAYABLE,CLAIMSAGAINSTCUSTOMERSTHATOWEMONEY,STOCKORINVENTORY,OFFICESUPPLIES,ETC（F）18VHERETHEDEBITANDCREDITENTRIESAREPOSTEDTOALEDGER,THEAGGREGATEOFTHEDEBITSIN精品文档2016全新精品资料全新公文范文全程指导写作独家原创5/8ALLTHELEDGERACCOUNTSMUSTBEEQUALTOTHEAGGREGATEOFTHECREDITSINTHESEACCOUNTS（T）19NOTESPAYABLEWHICHAREPAIDININSTALLMENTSARECLASSIFIEDASLONGTERMLIABILITIES（F）20ACASHFLOWSTATEMENTCOVERSAPERIODOFTIMEANDACCOUNTSFORINCREASEORDECREASEINACOMPANYSCASHDURINGTHEPERIOD（T）21THECOMMERCIALPAPERSARECONSIDEREDASCAPITALMARKETINSTRUMENTS（F）22FACTORINGISSHORTTERMFINANCINGWITHRECOURSE（F）23THETRUSTORWHOISALSOKNOWNASTHEGRANTORCREATESTHETRUST（T）24OPERATINGLEASECANNOTBECANCELABLEATANYTIME（F）25INMONEYMARKET,THEGOVERNMENTISUNIQUE,BECAUSEITISSUPPLIERANDDEMANDEROFMONEYMARKETFUNDS（T）26THOSEWITHMATURITYOFONEYEARORLESSARECALLEDMEDIUMTERMLOANS（F）27THERISKBASEDCAPITALGUIDELINESREQUIREAMINIMUMRATIOOFTIER1CAPITALTOADJUSTEDASSETS精品文档2016全新精品资料全新公文范文全程指导写作独家原创6/8OF4,ANDAMINIMUMRATIOOFCOMBINEDTIER1ANDTIER2CAPITALTORISKADJUSTEDASSETSOF8（T）28BROADLYDEFINED,CONSUMERCREDITINCLUDESLOANSSECUREDBYREALESTATEHOMEMORTGAGES,FORINSTANCEPLUSOPENENDCREDITSUCHASCREDITCARDS（F）29SINCETHEOPERATINGTARGETOFCOMMERCIALBANKSISPROFIT,THEYSHOULDMAKETHEIROWNDECISIONSONWHETHERTOINCREASE,MAINTAIN,DECREASEWITHDRAWTHELOANDISBURSEMENTINSOMEINDUSTRYSOLONGASITSPROFITABLEREGARDLESSOFTHECOUNTRYSMACROECONOMICPOLICY（F）30CURRENTRATIOISMORECONSERVATIVEANDACCURATETHANQUICKRATIOINMEASURINGLIQUIDITY（F）1ALTHOUGHBANKSSHAREMANYCOMMONFEATURESWITHOTHERPROFITSEEKINGBUSINESSES,THEYPLAYAUNIQUEROLEINTHEECONOMYTHROUGHMOBILIZINGSAVINGSALLOCATINGCAPITALFUNDSTOFINANCEPRODUCTIVEINVESTMENTTRANSMITTINGMONETARYPOLICYPROVIDINGAPAYMENTSYSTEMANDTRANSFORMINGRISKS尽管银行与其他以盈利为目的的企业具有许多共同的精品文档2016全新精品资料全新公文范文全程指导写作独家原创7/8特征，但它在国民经济中还发挥着特殊的作用。银行可以动员储蓄，为生产性企业投资调配资金，传到货币政策，提供支付体系，转化风险2THEIMPLEMENTATIONOFTHESTABILIZATIONANDSTRUCTURALMEASURESHASBEENAMAJORFACTORUNDERLYINGTHERESILIENCEOFTHECHINESEECONOMYINTHECONTEXTOFTHECRISISINASIANFINANCIALMARKETSANDTHERECENTWEAKENINGOFGLOBALECONOMICACTIVITY宏观经济稳定政策和结构调整措施，是我国经济在亚洲金融危机阴影笼罩和近年来全球经济疲弱的环境下，已然保持较快发展的一个重要因素。3THEREFORMOFTHEFINANCIALSYSTEMANDPARTICULARLYTHEDIVERSIFICATIONOFBANKINGINSTITUTIONSHAVEINCREASEDCOMPETITIONINTHEBANKINGSECTORANDIMPROVEDFINANCIALSERVICESINCHINA金融体系的改革，特别是银行结构的多元化，加强了我国银行间的竞争，从而改善了中国金融业的服务质量。4BEFOREEXTENDINGALOAN,ACOMMERCIALBANKSHALLCONDUCTSTRICTEXAMINATIONOFITSPURPOSETHECAPABILITYOFTHEBORROWERANDFORMOFREPAYMENTAS精品文档2016全新精品资料全新公文范文全程指导写作独家原创8/8WELLASOTHERRELEVANTMATTERS在发放贷款前，商业银行要对借贷的目的、借款人的偿付能力、偿债方式以及其他相关问题进行严格的审查。5SOUNDANDEFFECTIVEREGULATIONANDINRETURNTHEC