unit 1 Financial system金融英语第一课

Unit1FinancialSystem,Studyobjectives,Grasptermsrelatingtofinancialsystem,1,Understandtherolesoffinancialsystem,2,3,Learntoexpresstheconstitutionoffinancialsystem,3,Keywords,phrasesandspecialterms,allocatedeficitinvestorreturnconsumptionprospectiveincentiveposematuritymismatchcoordinateintermediarybondstock,computerchipperiodicallymatureprincipalownershipclaimtakeindepositdepositorproceedsportfolioshareholder,allocateWeallocatedaquarterofthetotalexpendituretothepublicservices.,公用事业,本年度他们分配到10万美元的外汇配额。,Theyareallocatedanexchangequotaof$100,000forthecurrentyear.,2.allocation,allocationofcapitalallocationofresources,资本配置资源配置,Thetotalcostoftheprojectwasfoundonallocationtobethematerials255,labor570,machine-hire175,total1000.,该项目的全部费用分配情况如下：材料，劳力，机器租用费,Keywords,phrasesandspecialterms,3.deficit,tradedeficitmakeupthedeficitdeficitfinancing,4.return,收入，投资回报，收益（pl.）,returnsoninvestmentreturnsontotalassetsreturnstoscales,投资回报总资产收益规模报酬,退货（pl.）,returnsinwardsreturnsoutwards,销货退回购货退回,Thebookstoresdonotacceptreturns,evenonesingoodcondition.,Keywords,phrasesandspecialterms,5.maturity,thematurityvaluethematurityyielddateofmaturitytheamountpayableonmaturity,6.principal本金，可生息的资产、资本,到期值到期收益到期日到期应付款项,aprincipalof$5,000,5000美元的本金,我们已经偿还了本金和利息。,Wehaverepaidtheprincipalandinterest.,Astothepenalty,wemustconsultourprincipal.,Keywords,phrasesandspecialterms,7.portfolio,investmentportfoliosaportfolioofsharesforeignportfolioinvestment,投资清单股票清单国外有价证券投资,Keywords,phrasesandspecialterms,Warmup,Supposeyousaved$100,000andyouwantedtomakemoremoneyfromit,howwouldyoudealwiththemoney?Why?Doyouhaveanyexperiencewithbanksormutualfunds?Namesomebanksandfundsathomeandabroad.,Warmup,IfIhadsomuchmoney,Iwoulddeposit$40,000inthebankforafixedperiod.Thefixeddepositcanearnsteadyinterestforme.Sinceithasagoodliquidity,Icandrawonmydepositinneedofcash.$20,000wouldbeputinvariousbonds,whicharelessliquidbutmoreprofitable.Thepricesofstocksfluctuateeveryday.Imayrisklosingmyinvestmentifchoosingawrongstock.Iwouldonlyputin$20,000instocks.Mutualfundsmightbealessriskychoice,astheyareabasketofstocksandbondsoperatedbyagroupofexperts.Akindofprofit-sharinginsuranceisalsoworthconsidering.Sotherest$20,000wouldbeputinmutualfundsorinsurances.,2009-2010年世界银行排行榜：RankBank中文名称Country1JPMorganChase&Co摩根大通公司USJPM2BankofAmericaCorp美国银行USBAC3Citigroup花旗集团USC4RoyalBankofScotland苏格兰皇家银行UKRBS5HSBCHoldings汇丰集团UKHBC6WellsFargo&Co美国富国银行USWFC7MitsubishiUFJFinancialGroup三菱日联金融集团JapanMTU8ICBC中国工商银行China9CreditAgricoleGroup法国农业信贷银行France10SantanderCentralHispano西班牙国际银行SpainSTD11BankofChina中国银行China12ChinaConstructionBankCorp中国建设银行China,13GoldmanSachs高盛集团USGS14BNPParibas法国巴黎银行FranceBNPQY15BarclaysBank英国巴克莱银行UKBCS16MizuhoFinancialGroup日本瑞穗金融集团JapanMFG17MorganStanley摩根士丹利公司USMS18UniCredit意大利联合信贷银行Italy19SumitomoMitsuiFinancialGroup日本三井住友金融集团JapanSMFJY20INGBank荷兰国际集团NetherlandsING21DeutscheBank德意志银行GermanyDB22RabobankGroup荷兰合作银行Netherlands23SocieteGenerale法国兴业银行FranceSCGLY24AgriculturalBankofChina中国农业银行China25IntesaSanpaolo意大利联合圣保罗银行ItalyIITSF,TextHowdosaversandborrowersmeet?,.Rolesoffinancialsystem,Tomobilizesurplusfunds,andtoallocatethemamongdeficitpeoplesurplusunit&deficitunitMethodsofmobilizingfundsToensuretheuseoffundswithnetpresentvalueTwofundamentalproblemsmaturitymismatchrisksDisclosureofinformation,.Constitutionoffinancialsystem,1.Financialmarkets,Conceptoffinancialmarkets2mostimportantfinancialmarketsIntelwantstoborrowtofinanceconstructionofnewfactory.Tosellbonds:maturity,rateofinterest,operationTosellstock:ownership,aclaimtoprofit,.Constitutionoffinancialsystem,2.Financialintermediaries,Conceptof