完整版金融英語復習文檔良心出品

1、1*10 單選2*5判斷）中英互譯8*5 （中譯英3,英譯中2 5*6 名詞解釋小作文 10*1+論據(jù)（5到6句話）結(jié)論單項選擇比考點港幣 hongkongHKDDEMCHFGermany德國馬克（Deutsche Mark）瑞士法郎SWITZERLAND 帚士sweden 瑞典Belgium 比利時 加拿大元Canada美元GREAT BRITAIN!鎊Italy意大利里拉h(huán)olland荷蘭盾挪威克郎norway 丹麥克朗 denmark france法國法郎 日元澳元 西班牙瑞典克朗SEK比利時法郎BEFCADUSDGBPITLNLGNOKDKKFRFJPYAudESP0.01% one

2、hundredth of one percent 基點名詞解釋Central bank:and government by the central to formulate a financial institution designated implement monetary policy and to supervise and regulate the financial industry 中央政府指定的金融機構(gòu)，負責制定和實施貨幣政策，監(jiān)督和規(guī)范金融行業(yè)。）活期儲蓄存款：Savings （current） deposit（Savings deposit is a method of

3、depositthat sets no limit on length of maturity,timeand amount of deposit and withdrawn.儲蓄存款是一種對存款期限、期限和存款額不設(shè)限制的存款方式。Timedeposit （定期存款）：It is a kind of deposit with a definite length of maturity ,deposited and, withdrawn together with the interest in a lump sum or by installment它是一種具有一定期限的存款物，存放和提取，

4、連同對一次或分期付款的利息。： 元）50 整存整取定期儲蓄存款 Time deposit of lump-sum deposit andwithdrawal （It is a kind of deposit with a definite length of maturity, deposited and, withdrawntogether with the interest and principal in a lump sum它是一種具有一定期限的存款物，存折，并連同利息和本金一并提取。Time deposite of small savings for lumpsum withdraw

5、l（零存整取定期存款）（5 元） deposit of amount fixed a and maturity of length the that deposit of kind a is It are agreed at the time of account opening, and money is deposited by month這是一種存款期限，在開戶時約定定期存款的期限，并按月存款。存本取息定期儲蓄存 Time deposite of principal receiving and interestwithdrawal（ ）5000 款 It refers to saving

6、s deposit whose principal is deposited by lump sum,whose intersetis withdrawn by installment and whose principal is repaid when on due date. 并在到期日償還本它是指由一筆款項存入本金的儲蓄存款，該存款由分期提取， 金。 ）50 Time or savings optional deposit 定活兩便儲蓄存款I(lǐng)t is a kind of deposit with indefinite length of maturity whose interest r

7、ate varies in line with the length of maturity.它是一種期限不定的存款，其利率隨著期限的長短而變化。 Housing loans They are loans granted by bank to borrowers to facilitate their housing purchasses.它們是銀行向借款人發(fā)放的貸款，以方便他們購買住房。個人住房貸款）Housing loans for personal possession（They are loans granted by bank to borrowers to facilitate t

8、heir housing purchasses bytaking credit funds from the bank as the source of payment通過從銀行獲取信貸資金來作為支付來源來幫它們是銀行向借款人發(fā)放的貸款，助他們購買住房。）Housing loans on Authorization （委托住房貸款信貸資金 They refer to loans to individuals who buy ordinary houses granted by the bank on the authorization of the public reserve fund ma

9、nagement department, according to the prescribed requirements, and with the public reserve deposits as the source of funding.并將向購買銀行授權(quán)的普通住房的個人發(fā)放貸款，他們指的是根據(jù)規(guī)定的要求，公共儲備存款作為資金來源。組合貸款Combined housing loanCombined housing loan refers to a loan granted by the bank to the same borrower to the takes her own u

10、se that the purchase of an ordinary house for his or facilitate public reserve deposit and the credit fund as the sources of funding 聯(lián)合住房貸款是指銀行向同一借款人發(fā)放的一筆貸款，用于購買一套普通住房， 以供其本人使用，并將公共儲蓄存款和信貸資金作為資金來源。Expected rateof return預期收益率The rate of return that we expect to earn when we loan money to someone or i

11、nvest in a business or in real estate.當我們貸款給某人或投資于商業(yè)或房地產(chǎn)時，我們期望賺到的回報率。Rate of return 收益率The profit on money we invest expressed as a percentage of the amount of money invested我們所借或投資的錢的收益或利潤，以貸款或投資的金額的百分比表示RiskThe possibility that a loan or investment will not produce the return we expect or actualth

12、e that uncertainty financial the is Risk money. lose actually will we thatof risk from the expected return .Factors return on an investment will be different exchange deflation, currency can that affect an investment include inflation or rates ,liquidity ,default by borrowers and interest rate fluct

13、uation.風險是指投貸款或投資不會產(chǎn)生我們預期的回報或我們實際上會賠錢的可能性。可能影響投資的風險因素包括通資的實際回報與預期收益不同的金融不確定性， 貨膨脹或通貨緊縮、貨幣匯率、流動性、借款人違約和利率波動。Banker sacceptances 車艮行承兌匯票 A draft accepted by a bank and used as a form of borrowing in the money market銀行承兌的匯票，用作貨幣市場借款的一種形式。資本市場Capital marketyear, than one Markets for financial assets and

14、 liabilities with maturity greater including long-term government and corporate bonds, preferred stock, and common stock. Money obtained by issuing this type of instrument is repayable after one year and in the case of most equity securities ,it is not expected to be repaid.優(yōu)先股和普通包括長期政府和公司債券、金融資產(chǎn)和負債

15、期限大于一年的市場， 在大多數(shù)股票證券的情況在一年以后再償還，股。發(fā)行這類票據(jù)所獲得的資金， 下，預計不會償還Capital Structure 資本結(jié)構(gòu) equity and and the particularforms of debt equity The proportion of debt andchosen to finance the assets of the firm債務(wù)和股票的比例以及為公司資產(chǎn)提供融資的特定形式的債務(wù)和股權(quán)。Default risk違約風險The uncertainty that some or all of an investment may nor b

16、e returned一些或全部投資的不確定性可能也不會被歸還。Liquidity流動性，變現(xiàn)能力without to can be converted cash ease Liquidity is the with which financial assets creating a substancial change in price or value .Liquidity is influenced by the amount of float in the security, investor interest and size of the investment being conve

17、rted tocash而不會在價格或價值上產(chǎn)生實質(zhì)性流動性是指金融資產(chǎn)可以輕易地轉(zhuǎn)換為現(xiàn)金， 投資者的興趣和投資規(guī)模被轉(zhuǎn)換成的變化。流動性受到證券中浮動金額的影響， 現(xiàn)金。 私募酉己售Private placementA securities issue privately placed with a small group of investors rather than through a public offering由一小群投資者私下發(fā)行，而不是通過公開發(fā)行。證券發(fā)行：優(yōu)先股Preferred sharescorporation a assets of on and a fixed d

18、ividend have a claim the pay Shares that ahead of the common shareholders股份支付固定股利，并在普通股股東之前對公司的資產(chǎn)進行索賠。Capital gain資本利得The amount of profit realized when an asset sold at a price higher than the purchase price.當資產(chǎn)以高于購買價的價格賣出時所實現(xiàn)的利潤。.Capital loss資本損失than the purchase The amount of profit realized when

19、 an asset sold at a price less price.當資產(chǎn)以低于購買價的價格出售時所實現(xiàn)的利潤。Discount貼現(xiàn)（單選）The margin by which the purchase price is cheaper than the redemption price .If a bond is selling below its face value ,it is said to sell at a discount.據(jù)說它會折價如果債券以低于面值的價格出售，購買價格低于贖回價格的差額。出售。Yield收益率The return earned on an inve

20、stment taking into account the annual income and its some in yield and types present capital value .There are a number of different of cases different methods of calculating each type.有許多不同類型的收益率，考慮到年度收入和目前的資本價值。一項投資的收益， 在某些情況下，每種類型的計算方法不同。Yield to maturity 到期收益率The discout rate that equates the pre

21、sent value of interest payments and redemption value with the present price of the bond將當前的利息支付和贖回價值與債券的現(xiàn)價等價的貼現(xiàn)利率。Zero couponbond零息債券Bonds that are sold at a deep discount and pay no interest折價出售的債券，不支付利息。Registered bonds記名債券Bonds for which each issuer maintains a record of its bonds. countries requ

22、iring that bonds be issued in registered form include the United States and Japan每個發(fā)行方保持其債券記錄的債券。要求發(fā)行債券的國家包括美國和日本。Bearer bondsCommon share不記名債券Security representing equity ownership in a corporation ;holders of common shares have the right to elect the directors and receive dividends; common shareho

23、lders rank after creditors, bondholders and preferred shareholders.代表股權(quán)所有權(quán)的證券公司；普通股的持有人有權(quán)選舉董事并獲得股息；普通股股 東在債權(quán)人、債券持有人和優(yōu)先股股東之后。At the time of account opening,you will be asked to f川 in a deposit slip,and the savings outlet will give you a certificate of deposit agaist which the principal and interest m

24、ay be withdrawn at tine of maturity當賬戶開立時，開戶時，你會被要求填寫一張存款單，并且儲蓄機構(gòu)會給你一個 存款證明關(guān)于本金和利息可以在到期時收回。The client needs to countersign® 簽）the traveler's cheque in the presence of the paying cashier immediately and the countersignature shall be consistent with the initial signature.并且復簽簽名必須與原始簽名一客戶需要在付款

25、收銀員面前立即復簽旅行支票. 致Our bank may,entrusted by the client,collect from the relevent payer abroad such bills as personal cheque,postal order,fiscal cheque,draft,corporate cheque and bank cheque for which our bank dose not bear paying liability.我們的銀行，由客戶委托，收取相關(guān)付款人的票據(jù)款項如私人支票，郵政支票， 財政支票，匯票，公司支票和銀行本票。而我們的銀行不承

26、擔付款責任。When collection is handled,a collection application in duplicate shall be filled in,with one copy returned to the client to serve as a certificate for obtaining proceeds 當托收受理時，托收申請需要一式兩份填寫，一份返回到客戶作為獲取收益的憑掌握投資銀行中的關(guān)鍵詞Important note:depending on the way in which money is made,the supplier earns

27、interest(loans including bonds),dividends(shares) or profit(business or real estate) Term定期How fast a loan is to be paid or an investment converted back into cash.Flip it拋售Downpayment 首付Currency conversion 匯兌Savings deposite 儲蓄賬戶Housing loans for individuals 私人住房貸款Cash flow現(xiàn)金流Compensation代償質(zhì)物hostage

28、 Guarantee 被擔保人Guarantor Stipulated adj.規(guī)定的Evaluated value 估值Registered treasury bonds 憑證式國債Joint and several liability guarantees 連帶責任Pledge質(zhì)押Mortgage 抵押Shortfall不足部分Credentials身份證明The pubilic reserve fund 公積金Subrogation 代理人Proceeds收入、獲益down payment n.預付定金;分期付款的首次交款Undertaking n.企業(yè) Stipulate 規(guī)定Savi

29、ngs deposit 儲蓄賬戶Lump-sum deposit 整存Lump- sum withdrawal 整取Time deposit定期存款存折 PassbookSmall savings 零存Principal receiving 本金Debit card借記卡Maturity 到期Certificate of deposite 存單，存款證明Default 違約deposit slip 存款單Certificateed deposit 大額存單Registered treasury bonds t 己賬式憑證Pledge security 安全等級Notarized 公證的nota

30、ry office 公證處Commission手續(xù)費傭金Remit V匯款Remittance n?匚款outward remittance 7匚出?匚款Trade acceptance billSW 業(yè)承兌 7 匚票 Bank acceptance bills專艮行承兌匯票 Bill discount 貼現(xiàn)Become due 至 U 期Collect the sum under the billEncash變現(xiàn)Formality正式手續(xù)Turnover 轉(zhuǎn)手In good faith誠實守信Hypothecation 抵押Automatic renewal 自動續(xù)約Working capi

31、tal 營運資本Full capacity for civil conductCompatriots 同胞In question所提及的Combined guarantee 混合型擔保Credentials身份證明Residence registrationCertificate of ownership 產(chǎn)權(quán)證明Written document 書面證明By subrogation 代理Volatility 波幅Debt securities債務(wù)型證券Redeem贖回，變現(xiàn)Coupon rate 息票率Current yield當期收益率Par票面價藍籌股 Blue chip firmsCo

32、llateral 抵押物Debenture無擔保公司債務(wù)Manage financial affairsIntermediary 中間人Primary marketSecondary market policy holder 投保人Stock exchangePhysical markets 實體市場 Intangible or notional marketsDerivatives market 衍生品市場The capital marketMarketability and liquidity 適消性及流通性O(shè)ffer出售報價Semi-annuallyRedeem贖回Perpetual 永久Local moneyMan