金融英语课件(unit1)

《金融专业英语》FinanceEnglish《金融专业英语》FinanceEnglish1UnitOne

PartATheBankofEnglandUnitOne

PartATheBankof2教学目的与要求（Teachingtargets）：helpstudentsgetabriefunderstandingofthehistoryandthefunctionoftheBankofEngland;studysomespecializedwordsandexpressionsrelatedtobankbusiness;somenewbasicEnglishvocabulary教学重点(Emphasesanddifficultpoints）：someimportantvocabulary:banknote,jointstockcompany,acquisition,monetarypolices,lenderoflastresort,liquidity,bankrun,IMF,IBRD,financialinstitution,etc.;transformation,empower,directives,comply(with),implement,oversee,supervisory,registration；theunderstandingaboutthehistoryandfunctionoftheBankofEngland.thebriefknowledgeofthebankingsysteminChina.SomespecializedEnglishwords.

教学目的与要求（Teachingtargets）：3What’stheChinesemeaningoffinance?“财务”----fromthemicroscope“金融”----fromthemacroscopeWhatisfinance?Financeisthescienceofmanagementofmoney,banking,investment,andcredit.What’stheChinesemeaningof4

thebankingsysteminChina1.thecentralbank----thePeople’sBankofChinabanker’sbank,toissuethenationalcurrencyinChina,government’sbank2.thepolicybanks----ChinaDevelopmentBank,TheExport-importBankofChina,AgriculturalDevelopmentBankofChinainvestedbythegovernment,specializeinthefinancialbusinessaccordingtothegovernment’sdecisions,non-profit3.state-ownedcommercialbanks----IndustrialandCommercialBankofChina,BankofChina,ChinaConstructionBank,AgriculturalBankofChina.Totakeinthepublicdepositsandloanoutthelong-term,medium-termandshort-termadvance,inter-bankbusiness4.othercommercialbanks----CiticIndustrialBank,ShanghaiPudongDevelopmentBank,etc.thebankingsysteminChina1.5

Thefunctionsofanycentralbank

(BankofEnglandisBritishcentralbank)

1.centralbank2.banker’ernationalrole6.domesticsupervisoryresponsibilitiesThefunctionsofanycentral6HistoryofBankofEngland

1.Therevolutionof1688gaveEnglandthepoliticalstability,butthepublicfinanceswereweakandthesystemofmoneyandcreditwasindisarray.WilliamPatersonenvisagedaloantothegovernment,inturnforthe“GovernorandCompanyofBankofEngland”.2.TheRoyalCharterwassealedon27July1694,andtheBankwasformedforthesolepurposeoffinancingthewaragainstFrance.3.ByvirtueoftheBankCharterAct1844,theBankofEnglandgetitssolepowertoissuebanknotes.4.TheBankofEnglandAct1946allowedtheState’sacquisitionoftheBank----atransformationoftheBankfromprivatetopublicownership.5.TheBankingAct1979gavetheBankofEnglandevenmorepowertocontroltheoperationsofthedeposit-takinginstitutions.HistoryofBankofEngland1.7

LanguagePoints(语言点）

1.byvirtueof=becauseof由于，因为eg.Hplywith按要求，顺从eg.Shewastoldtopaythefine,butrefusedtocomply.3.jointstockcompany=stockcompanystock股份（thedifferencewithshares:shares不按固定数目发行.eg.Investinstocksandshares投资证券）stockbroker股票经纪人stockbroking股票经纪业务stockcertificate股票，股份证书＝certificateforthepurchaseofsharesstockexchange股票交易所stockholder股票持有人stock-market股票市场LanguagePoints(语言点）1.byvi8LanguagePoints(语言点）4.chartern.特许状priviledgesgrantedbyroyalcharter皇家特许状所给特权章程，宪章；包租charteredadj.(有皇家特许状的专业协会的规章)合格的eg.Acharteredengineer,accountant特许工程师，特许会计师charterflight包机航班5.issuen.流出；发行（物）（报刊）期号；问题，争端，论点issuance发行anissueofblood流血monetaryissue货币发行thelastestissue最近一期theburningissueoftheday燃眉之急的问题currencyissue货币发行currentissue现期刊物economicissue经济问题excessissue超额发行parissue平价发行LanguagePoints(语言点）4.charter9LanguagePoints(语言点）6.acquisitionknowledgeacquisition知识收集languageacquisition语言习得lump-sumacquisition总价采购realestateacquisition不动产购置7.financen.财务；金融；资金v.为（计划等）提供资金，提供款项financecompany=financehouse信贷公司，财务公司8.treasuryn.宝藏，宝库，财政部treasurybill国库债券TreasuryBoard财政委员会theTreasuryDepartment财政部financialtreasury财政金库LanguagePoints(语言点）6.acquisi10LanguagePoints(语言点）9.discountn.折扣，贴现bankdiscount银行折扣，银行贴现cashdiscount付现折扣compounddiscount复利贴现customarydiscount行例折扣fellow-traderdiscount同业折扣forwarddiscount期货折扣10.clearing清算bankclearing银行之间的划拨结算exchangeclearing外汇清算multilateral/bilateralclearing多边/双边清算LanguagePoints(语言点）9.discoun11ExercisesandKeytoExercises

（1）1.英格兰银行BankofEngland2.银行营业部BankingDepartment3.股份公司jointstockcompany4.接受存款机构deposit-talkinginstitution5.规章制度rulesandregulations6.执行货币政策implementmonetarypolicy7.贴现行discounthouse8.公众利益publicinterest9.国际货币基金组织InternationalMonetarypolicy10.世界银行WorldBank（2）ACBCD(3)Somequestions:Whatarethefunctionsofthecentralbank?WhenwastheBankofEnglandfounded?ExercisesandKeytoExercises12UnitOne

partBTheFederalReserveSystemUnitOne

partBTheFederalR13教学目的与要求（Teachingtargets）：helpstudentsgetsomeknowledgeofAmericanbankingsystem---TheFederalReserveSystemandthebenefitsofbeingamemberintheFederalReserveSystemandstudysomeimportantspecializedwordsrelatedtoAmericancentralbankingsystem教学重难点(Emphasesanddifficulties）：someimportantvocabulary:FederalReserveSystem,electronicfundtransfer,reserveaccount,discountwindow,collectionsystem,wiretransferservice；ThethreemajorbenefitsofbeingamemberoftheFederalReserveSystem,esp.theborrowingability,thatishowtocontrolmoneysupplybydiscountrate.Somerelatedwords.教学目的与要求（Teachingtargets）：14thecentralbanksystemintheUnitedStates:FED----TheFederalReserveSystem.thecentralbanksysteminBritain(partA):BankofEnglandNow,let’sturntotheFED.PleasetrytofindoutthedifferencesbetweenthecentralbanksysteminBritishandtheUnitedStates.thecentralbanksysteminthe15

BackgroundknowledgetoFEDFED---TheFederalReserveSystemlikemostindustrializednations,theUnitedStateshasacentralbanktomeetcertainneedsofitscomplexeconomyandfinancialsystem.Unlikemostcertainbanks,however,theU.S.FederalReserveSystemis,inasense,a“decentralized”centralbank.EstablishedinDecember1913byTheFederalReserveAct,TheFederalReserveSystemwasdesignedtoaddresstheconditionsunderlyingthemoneypanicsthathadtroubledthecountryformanyyears.BackgroundknowledgetoFEDFE16TheFEDcomprises:1.theBoardofGovernors(联邦储备委员会)2.the12ReserveBanks(12个区域联邦储备银行)3.theFederalOpenMarketCommittee(联邦公开市场委员会)4.theFederalAdvisoryCouncil(联邦咨询委员会)5.thememberbanks(14,537)（成员银行）TheFEDcomprises:1.theBoar17theBoardofGovernors----iscomposedof7members.TheirappointmentsaremadebythePresidentoftheUnitedStates,andconfirmedbytheSenate.Membersareappointedfortermsof14years.theBoardofGovernors----is18the12ReserveBanks----eachofthe12FederalReserveBanksservesadistrictandeachhas9directors.ThreeofthemareclassAdirectors,whomaybebankers,threeareclassB,whomustbeactivelyengagedinthedistrictinCommerceagriculture,orsomeotherindustries,threeareclassC,whoaredesignatedbytheBoardofGovernorsoftheFederalReserveSystem.the12ReserveBanks----each19thememberbanks(14,537)―――compriseNationalbanks(国民银行)andStatebanks(州注册银行)thememberbanks(14,537)―――20ThreemajorbenefitsaccruetocommercialbanksthroughtheirmembershipintheFED:1.checkclearance2.electronicfundtransfer3.borrowingability:Threemajorbenefitsaccrueto21borrowingability:discountratedecreasesbanksborrowmoremoneysupplyincreasesinterestratedecreasesstockpriceincreasesborrowingability:22

LanguagePoints(语言点）:1.accrue(to)增长knowledgewillaccruetoyoufromreading.读书能增加知识。Interestaccruestoamanfromloan.提供贷款则利息自生。2.boost推进，往上推，增加，提高toboostprice提高价格Weneedtoboostourspirits.我们要鼓舞士气。3.transferaccounttransfer转账账户banktransfer银行转账transferoftitle产权转让transferofownership所有权转让intra-companytransfer公司内部转让lettertransfer信汇LanguagePoints(语言点）:1.accru23LanguagePoints(语言点）:4.expeditev.加速,派出Pleasedowhatyoucantoexpeditethebuildingwork.请尽管加快建筑工作5.access(to)使用…的机会，权利Studentsmusthaveaccesstoagoodlibrary.学生有权利使用好图书馆6.theFederalReserveSystem=FED联邦储备系统electronicfundtransfer电子资金划拨checkclearance支票交换wiretransferservice电告资金划拨服务discountwindow贴现窗口stockmarketwatchers证券市场监督员lastresort最后贷款creditavailability信用，可发放的贷款LanguagePoints(语言点）:4.expedi24Exercisesand

Keytoexercises(1)1. 联邦储备系统FederalReserveSystem2. 电子资金划拨electronicfundtransfer3. 支票清算checkclearance4. 准备金账户reserveaccount5.收款系统collectionsystem6.电告资金划拨服务wiretransferservice7. 贴现窗口discountwindow8.证券市场监督员stockmarketwatcher9. 紧急基金emergencyfunds10. 最后贷款lastresort(2)BDABC(3)Question:whatarethedifferencesbetweenthecentralbanksysteminBritishandtheUnitedStates?ExercisesandKeytoexercises25UnitOne

PartCCorrespondentBankingUnitOne

PartCCorresponden26教学目的与要求（Teachingtargets）：HelpstudentsunderstandamajorbusinessinAmericanbanking;Studysomewords.教学重难点(Emphasesanddifficultpoints):someimportantvocabulary:correspondentbanking,capitalmarket,incorporatedbank,electronicbanking,holding-company,paymentsmechanism,correspondentbank,depositbalances,bookkeepingservice,consolidationofpurchase;theunderstandingaboutoneoftheUS’bankbusiness---correspondentbanking.someimportantspecializedvocabulary.教学目的与要求（Teachingtargets）：27Detailedexplanation:Itconsists,basically,insomebanksholdingdepositsinotherbanksjustasindividualsandotherbusinessesdo.代理银行业务基本上是由一些像个人或其他企业一样在其他银行有存款的银行组成。CorrespondingbankingisaverytraditionalformofbankingintheUnitedStates---virturallyasoldasourbankingsystemitself.代理银行业务在美国是一种非常传统的银行业务---实际上就像银行系统本身一样古老。Ashasbeenstressed,thebankingsystemplaysacentralroleinthepaymentsmechanismoftheUnitedStates,andtobeeffectiveinacountrysuchasoursapaymentsmechanismmustbenationwide.正如所强调的那样，银行系统在美国的支付机制中起主要作用。在我们这样一个国家，支付机制要想有效必须是全国性的。Detailedexplanation:Itconsi28LanguagePoints(语言点）

1.correspondentn.通信记者，通信者awarcorrespondent随军记者2.overlookv.&n.俯瞰，俯视，忽略overlookavalleyfromahill从山上俯视山谷overlooktheaccounts检查账目overlookafault饶恕一个过失Youhaveoverlookedseveralofthemistakesinthisweek.忽略3.incorporated使合并，并入Yourideawillbeincorporatedintheplan.把你的意见编入计划。Mr.Smith’sfirmincorporatedwithotherslastyear.公司与别家合并。LanguagePoints(语言点）1.corres29LanguagePoints(语言点）4.mechanism机构，机制exchangemechanism交换机构exchangeratemechanism汇率机制safetymechanism安全机构themechanismofgovernment政府机构5.reciprocaladj.相互的，互惠的reciprocallove相爱reciprocaltreaty互惠条约reciprocaltariff互惠关税reciprocaltrade互惠贸易LanguagePoints(语言点）4.mechani30LanguagePoints(语言点）6.balance平衡Thechildcouldn’tkeephisbalanceonhisnewbicycle.收支差额，余额abankbalance银行余额MayItakethebalanceofmyholidaysnextmonth?我能否在下月使用没休完的假？7.bookkeepingn.簿记，记账commercialbookkeeping商业簿记doubleentrybookkeeping复式簿记positionbookkeeping头寸簿记LanguagePoints(语言点）6.balance31《金融专业英语》FinanceEnglish《金融专业英语》FinanceEnglish32UnitOne

PartATheBankofEnglandUnitOne

PartATheBankof33教学目的与要求（Teachingtargets）：helpstudentsgetabriefunderstandingofthehistoryandthefunctionoftheBankofEngland;studysomespecializedwordsandexpressionsrelatedtobankbusiness;somenewbasicEnglishvocabulary教学重点(Emphasesanddifficultpoints）：someimportantvocabulary:banknote,jointstockcompany,acquisition,monetarypolices,lenderoflastresort,liquidity,bankrun,IMF,IBRD,financialinstitution,etc.;transformation,empower,directives,comply(with),implement,oversee,supervisory,registration；theunderstandingaboutthehistoryandfunctionoftheBankofEngland.thebriefknowledgeofthebankingsysteminChina.SomespecializedEnglishwords.

教学目的与要求（Teachingtargets）：34What’stheChinesemeaningoffinance?“财务”----fromthemicroscope“金融”----fromthemacroscopeWhatisfinance?Financeisthescienceofmanagementofmoney,banking,investment,andcredit.What’stheChinesemeaningof35

thebankingsysteminChina1.thecentralbank----thePeople’sBankofChinabanker’sbank,toissuethenationalcurrencyinChina,government’sbank2.thepolicybanks----ChinaDevelopmentBank,TheExport-importBankofChina,AgriculturalDevelopmentBankofChinainvestedbythegovernment,specializeinthefinancialbusinessaccordingtothegovernment’sdecisions,non-profit3.state-ownedcommercialbanks----IndustrialandCommercialBankofChina,BankofChina,ChinaConstructionBank,AgriculturalBankofChina.Totakeinthepublicdepositsandloanoutthelong-term,medium-termandshort-termadvance,inter-bankbusiness4.othercommercialbanks----CiticIndustrialBank,ShanghaiPudongDevelopmentBank,etc.thebankingsysteminChina1.36

Thefunctionsofanycentralbank

(BankofEnglandisBritishcentralbank)

1.centralbank2.banker’ernationalrole6.domesticsupervisoryresponsibilitiesThefunctionsofanycentral37HistoryofBankofEngland

1.Therevolutionof1688gaveEnglandthepoliticalstability,butthepublicfinanceswereweakandthesystemofmoneyandcreditwasindisarray.WilliamPatersonenvisagedaloantothegovernment,inturnforthe“GovernorandCompanyofBankofEngland”.2.TheRoyalCharterwassealedon27July1694,andtheBankwasformedforthesolepurposeoffinancingthewaragainstFrance.3.ByvirtueoftheBankCharterAct1844,theBankofEnglandgetitssolepowertoissuebanknotes.4.TheBankofEnglandAct1946allowedtheState’sacquisitionoftheBank----atransformationoftheBankfromprivatetopublicownership.5.TheBankingAct1979gavetheBankofEnglandevenmorepowertocontroltheoperationsofthedeposit-takinginstitutions.HistoryofBankofEngland1.38

LanguagePoints(语言点）

1.byvirtueof=becauseof由于，因为eg.Hplywith按要求，顺从eg.Shewastoldtopaythefine,butrefusedtocomply.3.jointstockcompany=stockcompanystock股份（thedifferencewithshares:shares不按固定数目发行.eg.Investinstocksandshares投资证券）stockbroker股票经纪人stockbroking股票经纪业务stockcertificate股票，股份证书＝certificateforthepurchaseofsharesstockexchange股票交易所stockholder股票持有人stock-market股票市场LanguagePoints(语言点）1.byvi39LanguagePoints(语言点）4.chartern.特许状priviledgesgrantedbyroyalcharter皇家特许状所给特权章程，宪章；包租charteredadj.(有皇家特许状的专业协会的规章)合格的eg.Acharteredengineer,accountant特许工程师，特许会计师charterflight包机航班5.issuen.流出；发行（物）（报刊）期号；问题，争端，论点issuance发行anissueofblood流血monetaryissue货币发行thelastestissue最近一期theburningissueoftheday燃眉之急的问题currencyissue货币发行currentissue现期刊物economicissue经济问题excessissue超额发行parissue平价发行LanguagePoints(语言点）4.charter40LanguagePoints(语言点）6.acquisitionknowledgeacquisition知识收集languageacquisition语言习得lump-sumacquisition总价采购realestateacquisition不动产购置7.financen.财务；金融；资金v.为（计划等）提供资金，提供款项financecompany=financehouse信贷公司，财务公司8.treasuryn.宝藏，宝库，财政部treasurybill国库债券TreasuryBoard财政委员会theTreasuryDepartment财政部financialtreasury财政金库LanguagePoints(语言点）6.acquisi41LanguagePoints(语言点）9.discountn.折扣，贴现bankdiscount银行折扣，银行贴现cashdiscount付现折扣compounddiscount复利贴现customarydiscount行例折扣fellow-traderdiscount同业折扣forwarddiscount期货折扣10.clearing清算bankclearing银行之间的划拨结算exchangeclearing外汇清算multilateral/bilateralclearing多边/双边清算LanguagePoints(语言点）9.discoun42ExercisesandKeytoExercises

（1）1.英格兰银行BankofEngland2.银行营业部BankingDepartment3.股份公司jointstockcompany4.接受存款机构deposit-talkinginstitution5.规章制度rulesandregulations6.执行货币政策implementmonetarypolicy7.贴现行discounthouse8.公众利益publicinterest9.国际货币基金组织InternationalMonetarypolicy10.世界银行WorldBank（2）ACBCD(3)Somequestions:Whatarethefunctionsofthecentralbank?WhenwastheBankofEnglandfounded?ExercisesandKeytoExercises43UnitOne

partBTheFederalReserveSystemUnitOne

partBTheFederalR44教学目的与要求（Teachingtargets）：helpstudentsgetsomeknowledgeofAmericanbankingsystem---TheFederalReserveSystemandthebenefitsofbeingamemberintheFederalReserveSystemandstudysomeimportantspecializedwordsrelatedtoAmericancentralbankingsystem教学重难点(Emphasesanddifficulties）：someimportantvocabulary:FederalReserveSystem,electronicfundtransfer,reserveaccount,discountwindow,collectionsystem,wiretransferservice；ThethreemajorbenefitsofbeingamemberoftheFederalReserveSystem,esp.theborrowingability,thatishowtocontrolmoneysupplybydiscountrate.Somerelatedwords.教学目的与要求（Teachingtargets）：45thecentralbanksystemintheUnitedStates:FED----TheFederalReserveSystem.thecentralbanksysteminBritain(partA):BankofEnglandNow,let’sturntotheFED.PleasetrytofindoutthedifferencesbetweenthecentralbanksysteminBritishandtheUnitedStates.thecentralbanksysteminthe46

BackgroundknowledgetoFEDFED---TheFederalReserveSystemlikemostindustrializednations,theUnitedStateshasacentralbanktomeetcertainneedsofitscomplexeconomyandfinancialsystem.Unlikemostcertainbanks,however,theU.S.FederalReserveSystemis,inasense,a“decentralized”centralbank.EstablishedinDecember1913byTheFederalReserveAct,TheFederalReserveSystemwasdesignedtoaddresstheconditionsunderlyingthemoneypanicsthathadtroubledthecountryformanyyears.BackgroundknowledgetoFEDFE47TheFEDcomprises:1.theBoardofGovernors(联邦储备委员会)2.the12ReserveBanks(12个区域联邦储备银行)3.theFederalOpenMarketCommittee(联邦公开市场委员会)4.theFederalAdvisoryCouncil(联邦咨询委员会)5.thememberbanks(14,537)（成员银行）TheFEDcomprises:1.theBoar48theBoardofGovernors----iscomposedof7members.TheirappointmentsaremadebythePresidentoftheUnitedStates,andconfirmedbytheSenate.Membersareappointedfortermsof14years.theBoardofGovernors----is49the12ReserveBanks----eachofthe12FederalReserveBanksservesadistrictandeachhas9directors.ThreeofthemareclassAdirectors,whomaybebankers,threeareclassB,whomustbeactivelyengagedinthedistrictinCommerceagriculture,orsomeotherindustries,threeareclassC,whoaredesignatedbytheBoardofGovernorsoftheFederalReserveSystem.the12ReserveBanks----each50thememberbanks(14,537)―――compriseNationalbanks(国民银行)andStatebanks(州注册银行)thememberbanks(14,537)―――51ThreemajorbenefitsaccruetocommercialbanksthroughtheirmembershipintheFED:1.checkclearance2.electronicfundtransfer3.borrowingability:Threemajorbenefitsaccrueto52borrowingability:discountratedecreasesbanksborrowmoremoneysupplyincreasesinterestratedecreasesstockpriceincreasesborrowingability:53

LanguagePoints(语言点）:1.accrue(to)增长knowledgewillaccruetoyoufromreading.读书能增加知识。Interestaccruestoamanfromloan.提供贷款则利息自生。2.boost推进，往上推，增加，提高toboostprice提高价格Weneedtoboostourspirits.我们要鼓舞士气。3.transferaccounttransfer转账账户banktransfer银行转账transferoftitle产权转让transferofownership所有权转让intra-companytransfer公司内部转让lettertransfer信汇LanguagePoints(语言点）:1.accru54LanguagePoints(语言点）:4.expeditev.加速,派出Pleasedowhatyoucantoexpeditethebuildingwork.请尽管加快建筑工作5.access(to)使用…的机会，权利Studentsmusthaveaccesstoagoodlibrary.学生有权利使用好图书馆6.theFederalReserveSystem=FED联邦储备系统electronicfundtransfer电子资金划拨checkclearance支票交换wiretransferservice电告资金划拨服务discountwindow贴现窗口stockmarketwatchers证券市场监督员lastresort最后贷款creditavailability信用，可发放的贷款LanguagePoints(语言点）:4.expedi55Exercisesand

Keytoexercises(1)1. 联邦储备系统FederalReserveSystem2. 电子资金划拨electronicfundtransfer3. 支票清算checkclearance4. 准备金账户reserveaccount5.收款系统collectionsystem6.电告资金划拨服务wiretransferservice7. 贴现窗口discountwindow8.证券市场监督员stockmarketwatcher9. 紧急基金emergencyfunds10. 最后贷款lastresort(2)BDABC(3)Question:whatarethedifferencesbetweenthecentral