金融英语介绍

FinancialEnglish任课教师：罗长青博士湖南商学院财政金融学院邮箱：Changqingluo@第1页SuggestionPreviewthetextbeforeyoucometoclass.Takenotesinclass.Reviewwhatyouhavelearnedafterclass.第2页教学目标掌握专业词汇英语表示，做到英汉互译。能看懂普通难度经济、金融类英语文章。在了解金融背景基础上，能就熟悉话题进行笔头或口头翻译。第3页教材与参考书目教材：《金融英语》，复旦大学出版社，刘文国主编。第4页参考书目：《金融英语（基础类）》，清华大学出版社，金融英语教材编写委员会编写。《当代金融业务》，中国金融出版社，金融专业英语证书考试委员会编。第5页第6页金融英语证书（FECT）考试金融英语证书考试制度是1994年经中国人民银行和原国家教委联合发文同意建立我国第一个国家级行业性外语证书考试制度。自年开始，金融英语证书考试（FECT）共设两级，分别为FECT综合考试和FECT高级考试。金融英语证书考试每年进行一次。年度金融英语证书考试时间为年6月11日及12日。

第7页1、FECT综合考试：考试科目：当代金融业务；2、FECT高级考试：（1）FECT高级考试必考科目－当代金融理论与实务；（2）FECT高级考试选考科目－银行业务与管理、保险与证券业务，两科任选一科。

第8页网络资源onlineresources1、金融时报2、经济学人期刊3、华尔街日报4、商业周刊5、财富期刊6、中华人民共和国财政部第9页7、中国人民银行8、中华人民共和国国际外汇管理局9、中国证券监督管理委员会10、中国保险监督管理委员会第10页11、中国银行监督管理委员会12、美国联邦贮备委员会13、美国财政部14、世界银行15、国际货币基金组织第11页AmericanoilbillionaireJ.PaulGettyhasaveryfamoussaying,thatis“Ifyoucanactuallycountyourmoney,thenyouarenotreallyarichman.”第12页美国石油大亨J.PaulGetty曾经说过一句话：假如你钱是能够数得清楚，那么你就不是一个真正富人。第13页WhatisMoney?第14页Currency货币Currency（包含硬币和纸币）isonetypeofmoney.Whenmostpeopletalkaboutmoney,theyaretalkingaboutcurrency.第15页

check支票Becausechecksarealsoacceptedaspaymentforpurchases,checkingaccountdepositsareconsideredmoneyaswell.第16页wealth财富Thewordmoneyisfrequentlyusedsynonymouslywithwealth.e.g.Joeisrich——hehasalotofmoney.第17页ItmeansthatJoenotonlyhasalotofcurrencyandahighbalanceinhischeckingaccountbutalsohasstocks,bonds,fourcars,threehouses,andsoon.第18页Balance帐户存款余额e.g.Couldyoutellmewhatmybalanceisplease?你能告诉我帐户余额吗？第19页What’sthedifferencebetweenmoneyandwealth?Wealthincludesnotonlymoneybutalsootherassetssuchasbonds,commonstock,art,land,furniture,cars,andhouses.第20页Income收入

e.g.Susanhasagoodjobandearnsalotofmoney.收入是某一单位时间内收益流量，而货币是一个存量，即某一时间点上一个特定金额。第21页Ifsomeonetellsyouthathehasanincomeof$1000,youcannottellwhetherheearnedalotoralittlewithoutknowingwhetherthis$1000isearnedperyear,permonth,orevenperday.Butifsomeonetellsyouthatshehas$1000inherpocket,youknowexactlyhowmuchthisis.第22页DefinitionofMoneyEconomistsdefinemoneyasanythingthatisgenerallyacceptedinpaymentforgoodsorservicesorintherepaymentofdebts.货币是在支付商品和服务或在偿还债务时被普遍接收任何东西。第23页Exercise:DifferentTypesofMoney

第24页区分以下词语含义WhataretheexactmeaningsofthesewordsinEnglish?Cash,Currency,Salary,Wages,Income,Loan,Pension,Fund,Capital,Installments,Debt,Deposit,Aid.第25页Exercise1.

Moneyinnotesandcoinsiscalleda.cashb.capitalc.reservesThedollar,themarkandtheyenarea.currenciesb.fundsc.salaryMoneyborrowedfromabankisaa.depositb.incomec.loana.casha.currenciesc.loan第26页ExerciseBorrowedmoneythathastobepaidbackconstitutesaa.debtb.fundc.incomeAllthemoneyreceivedbyapersonoracompanyisknownasa.cashb.incomec.wagesa.debtb.income第27页Themoneyearnedforaweek'smanualworkiscalledincomeb.salaryc.wagesThemoneypaidforamonth's(professional)workisaa.loanb.salaryc.wagesc.wagesb.salary第28页Moneyplacedinbanksandothersavingsinstitutionsconstitutescapitalb.depositscfinanceMoneypaidbythegovernmentoracompanytoaretiredpersonisaa.pensionb.incomec.loanb.depositsa.pension第29页10.Themoneythatwillultimatelybeusedtopaypensionsiskeptinaa.budgetb.depositc.fund11.Themoneyneededtostartacompanyiscalleda.aidb.capitalc.debtc.fundb.capital第30页12.Themoneypaidtolawyers,architects,privateschools,etc.iscalleda.feesb.installmentsc.wages13.Regularpartpaymentsofdebtsarecalleda.depositsb.loansc.installmentsa.feesc.installments第31页14.Estimatedexpenditureandincomeiswritteninaa.budgetb.reservec.loan15.Moneygiventodevelopingcountriesbyricheronesisknownasa.aidb.debtc.loana.budgeta.aid第32页Reading:ThehistoryofmoneyPreciousmetal

Holeydollar

Token

Plasticnote

Plastic/creditcard

Mediumofexchange

Unitofaccount

Storeofvalue贵金属

有洞钱币

辅币塑料现金信用卡交换媒介

计算单位

价值储存伎俩

第33页WhatisFinance?Financeisthescienceoffundsmanagement.Thefieldoffinancedealswiththeconceptsoftime,moneyandriskandhowtheyareinterrelated.第34页Themaintechniquesandsectors

LenderandBorrowerAspecificexampleofcorporatefinanceThecategoriesoffinanceFinanceisimportant

第35页PersonalfinancePersonalfinanceistheapplicationofthefinancetothemonetarydecisionsofanindividualorfamilyunit.Personalfinancialdecisionsmayinvolvepayingforeducation,financingdurablegoodssuchasrealestateandcars.

第36页CorporatefinanceWhatisthecorporatefinance?LongtermandshorttermdecisionInvestmentbankingTaskofmanagerialorcorporatefinanceLongtermfundsFundmanagementFinancialmanagementvsfinancialaccounting第37页CapitalFinancialcapitalCapital,inthefinancialsense,isthemoneythatgivesthebusinessthepowertobuygoodstobeusedintheproductionofothergoodsortheofferingofaservices.第38页Thedesirabilityofbudgeting Budgetisanestimationoftherevenueandexpensesoveraspecifiedfutureperiodoftime.CapitalbudgetCashbudgetisanestimationofthecashinflowandoutflowsforabusinessorindividualforaspecificperiodoftime.第39页ManagementofcurrentassetsCreditFormsofcreditAdvantagesofcredittradeDisadvantagesofcredittradeFactorswhichinfluencecreditconditionEffectivecreditcontrolDutiesofthecreditdepartment第40页CashReasonsforkeepingcashAdvantagesofsufficientcashCashisusuallythekinginfinance第41页InsuranceInsurance,inlawandeconomics,isaformofriskmanagementprimarilyusedtohedgeagainsttheriskofacontingentloss.Requirementofaninsurancecontract第42页FinancialeconomicsFinancialmathematicsExperimentalfinanceQuantitativebehaviorfinanceIntangibleassetfinanc