金融专业英语
一、选择题（一共10题，每题2分，共20分）
第8题和第16题替补再后面。
1.Only what happens if the supply is less than demand?（actual price is higher than the equilibrium price）
2.When the Consumer income and established conditions for commodity prices is still, consumers can buy the two commodities to the greatest number of combinations. What did the Line call?（consumption may Line）
3.Opportunity cost:（Measures the cost of doing "x" in terms of what else might be done）
4.The normal downward slope of demand curves is necessarily explained by:（Limited spending power）
5 .For a closed two-good economy, the output of the two goods should be at the point where:（The highest indifference curve touches the production possibility curve）
6 .The "J-curve" shows that following depreciation: （The cost of imports rises immediately from the price effect, worsening the current account bal-ance, but later quantities of imports and exports respond and the current account balance im-proves）
7.Which of the following statements about standby letters of credit is true? :（They can serve as a guarantee to a buyer against a seller defaulting）
8.What information would you find in a statement of cash flows that you would not be able to get from the other two primary financial statements?（Total liabilities due to creditors at the end of the period）
*8&16.
Which of the following is not a characteristic of a competitive industry?( There is a fierce price war among rivals.)
9.Which of these best describes the U.S. Federal Reserve? （Responsible for monetary
policy/money supply）
10.What is the basic purpose of profits in our market economy? （Lead businesses to produce what consumers want）
11.Which of the following will NOT cause a shift in the demand for baseballs? (An increase in the price of baseballs)
12. Decreasing returns to scale may arise from (Inefficiencies in management)
13.If the marginal rate of technological substitution (MRTS) is more than the price ratio of labor over capital (w/r), then to minimize cost the firm should Decrease the input of capital and increase the input of labor.
14. The price of a good changes, both the substitution effect and the income effect reinforce each other, then the good is a (n) (Normal good )
15.What market is the Most in need of the advertising? (Competitive monopoly market )
16 .American economist Modigliani’s life-cycle hypothesis is that: (Work time after retirement savings for the consumer finance)
17.According to the rules of debit and credit for balance sheet accounts: (Decreases in asset and liability accounts are recorded by credits)
18. Individuals will accept the medium of exchange in return for goods and services only if they are confident that: (They can exchange it for gold)
19.The prices of meat products in a competitive market are determined by: (Supply and demand)
20.Which one of the following is most likely to improve the wages of American workers? (An increase in productivity)
二、阅读题（一共5题，每题4分，共20分）
Reading A:Laura James is the head portfolio manager for national Fund
1.Assume an industry exhibits tendencies of “regression toward the mean.”This could mean all of the following EXCEPT: （Profits increase as firms enter the industry）
2.In a recessionary environment, an automaker such as Ford would be expected to: （Produce lower end vehicles）
3.Assume domestic automakers are growing at a rate of –2%. Ford expects to increase its market share by 0.5%. What is Ford’s growth rate? （–1.51%）
(1 + growth of firm sales) = (1 + growth of industry sales) x (1 + fractional change of market s hare)
= 0.98 x 1.005
= 0.9849
Growth of firm sales = –1.51%
4.Suppose instead that Ford’s growth of firm sales is expected to be –3% and the growth of industry sales is 1%. What is Ford’s expected change in market share? （-4%）
0.97 = 1.01 x (1 + x)
0.9604 = 1 + x
–3.96% = x
5.Which of the following scenarios would be most likely to have a positive impact on Ford’s market share? （An increase in its marketing budget）
Reading B:Liquidity is a measure of how quickly an item may be converted to cash.
1. Long-term assets are all assets other than current assets.(Doesn’t say)
2. Supplies are less liquid than accounts receivable, and furniture and buildings are even less so. (Right)
3. People are interested in liabilities on the balance sheet because it is relatively liquid.
(Wrong)
Reading C:Whereas the money markets provide very short-term loans, the capital market takes account of medium and long-term loans.
4. An industrial corporate can meet its financial needs by seeking funds from the capital markets.(Right)
5. Nowadays a private business usually obtains its working capital through a commercial bank. (Wrong)
6. In the UK commercial banks often raise funds by issuing bands and stocks.(Doesn’t say)
三、简答题（一共8题，每题5分，共40分）
需要先把题目翻译成中文，用英语回答内容。
1.What is finance? 什么叫金融？
The word “finance” signifies capital in monetary form, that is, in the form of funds lent or borrowed, normally for capital purposes, through financial markets or financial institutions. When finance goes international, it is then an international finance.
2.What is financial market?什么是金融市场？
It is a place where financial transactions take place. Financial markets facilitate the lending of funds from savers to those who wish to undertake investments. Those that wish to borrow to finance investment projects sell financial instruments to savers.
3.what is primary market? 什么是初级市场？
A primary market is a financial market in which new issues of a security, such as a bond or a stock, are sold to initial buyers by the corporation or government agency borrowing the funds.
4.What is secondary market? 什么是二级市场？
A secondary market is a financial market in which securities that have been previously issued (and are thus secondhand) can be resold.
5.Which methods could be used to balance the international payment deficit? 哪些方法可以用来平衡国际收支逆差？
The methods will be used as following:
a. import restriction
b. export promotion
c. tighten monetary policy
d. tighten fiscal policy
e. devaluation
6. What are the major functions of modern commercial bank?现代商业银行的主要功能是什么？
a.They are medium of credit.
b. They are medium of payment.
c. They change money into capital.
d. They are creation of credit.
7. 先解释货币市场再说特征
businesses have aggressively pursued alternatives to low-interest-rate bank accounts. One such alternative is provided by the money markets.
Money market have three basic characteristics in common:
a.They are usually sold in large denominations.
b.They have low default risk.
c.They mature in one year or less from their original issue date. Most money market instruments mature in less than 120 days.
8. Participants of Money Market 货币市场的参与者（选择其中两个解释即可）
a. The Government
In money market, the government is unique because it is always a supplier and demander of money market funds. The U.S. Treasury is the largest of all money market borrowers worldwide. It issues Treasury bills (often called T-bills) and other securities that are popular with other money market participants. Short-term issues enable the government to raise the maturing issues.
b.The Central Bank
The Central Bank is the Treasury’s agent for the distribution of government securities. The central bank holds vast quantities of Treasury securities that it sells if it believes that the money supply should be reduced. Similarly, the central bank purchases Treasury securities if it believes that the money supply should be expand ed. The central bank’s responsibility for the money supply makes it the single most influential participant in the money market.
https://www.doczj.com/doc/4c2052239.html,mercial Banks
Commercial banks hold a larger percentage of government securities than any other group of financial institutions. This is partly because of regulations that limit the investment opportunities available to banks. Specifically, banks are prohibited from owning risky securities, such as stocks or corporate bonds. There are no restrictions against holding Treasury securities because of their low risk and high liquidity.
Banks are also the major issuer of negotiable certificates of deposit (CDs), banker’s acceptances, and repurchase agreements. In addition to money market securities to help manage their own liquidi ty, many banks trade on behalf of their customers.
Not all commercial banks deal for their customers in the secondary money market. The ones that do are among the largest in the country and are often referred to as money center banks.
d. Businesses
Many businesses buy and sell securities in the money market. Such activity is usually limited to major corporations because of the large transactions involved. As discussed earlier, the money market is used extensively by businesses both to warehouse surplus funds and to raise short-term funds.
e. Investment Companies
Large diversified brokerage firms are active in money markets. The primary function of these dealers is to “make a market” for money market securities by maintaining an inventory from which to buy or sell. These firms are very important to the liquidity of the money market because they help ensure that both buyers and sellers can readily market their securities in the primary market as well as in the secondary market.
f. Insurance Companies
Property and casualty insurance companies must maintain liquidity because of their unpredictable need for funds. T o meet this demand, the insurance companies sell some of their money market securities to raise cash.
As to the life insurance companies, because their obligations are reasonably predictable, large money market security holdings are unnecessary. However, it is a common practice that an individual can have his/her money invested in the money market through the agent department of banks and investment companies, to earn a higher interest rate than otherwise deposited in the banks.
9. Inter-bank Markets 银行同业拆借市场
Inter-bank markets are money markets in which short-term funds transferred (loaned or borrowed) between financial institutions, usually for a period of one day, that is, they are usually overnight investment. The interest rate for borrowing these funds is close to, but always slightly higher than rate that is available from the central bank.
10. Bank’s Acceptances 银行承兑
A bank’s acceptance is an order to pay a specified amount of money to the bearer on a given date. Banker’s acceptances have been in use since the twelfth century, and are commonly used for international trade transactions.
四、综合运用题（共20分）
1. What is financial crisis?金融危机是什么
A financial crisis is a disruption to financial markets in which adverse selection and moral hazard problems become much worse, so that financial markets are unable to efficiently channel funds to those who have the most productive investment opportunities. As a result, a financial crisis can drive the economy away from an equilibrium with high output in which financial markets perform well to one in which output declines sharply.
2. The effects of financial crisis?金融危机的影响
①Many financial institutions went broke or recombined
②Global income redistribution is appearing
③The development of financial liberation has been inhibited
④International currency system is forced to be changed
Lesson One Translate the following passage into Chinese 1.紧缩性货币政策和扩张性货币政策都涉及到改变一个国家的货币供应量水平。 扩张性货币政策增加货币供应量，而紧缩性货币政策会减少货币供应量。 2.当联邦储备体系在公开市场上购买有价证券，会引起证券价格上涨。债券价格 和利率成反比关系。联邦贴现率就是一种利率，因此降低联邦利率实际上就是 降低利率。如果联邦储备系统决定降低法定储备要求，那么银行能够进行投资 的资金会增加。这会引起投资比如债券价格的上涨，因此利率会降低。无论联 邦储备体系用何种方法来增加货币供应量，利率都会降低，债券价格会上涨。 Translate the following sentences into English 1. China would maintain a stable currency and prudent monetary policy, and expected to stay within its growth and inflation targets this year 2.China would also maintain a prudent monetary policy to support economic development while preventing inflationary pressure and financial risks 3. China’s economy continued to grow steadily and rapidly in the first quarter, with investment in fixed assets slowing and domestic consumption accelerating. 4.because of China’s large increase in its trade surplus and foreign exchange reserves in the first quarter, the effectiveness of its monetary policy — used to help control inflation — was facing “serious challenges.” 5. The central bank would seek to further streamline its foreign exchange system to facilitate the orderly outflow of funds. At the same time, it would tighten the management of foreign exchange inflows and settlement. —Three Translation: Translate the following passage into Chinese 1．外汇交易当然是指两种不用货币之间的交易了。每一组货币的交易或“买卖”都包含两个部分。一个是即期市场，在这个市场中支付（交付）需在交易时立即进行（在实际操作中一般是在第二个交易日进行），另一个就是远期市场。远期市场的汇率是在交易的时候就先确定了，但实际的交易，或交付则是在未来的某个特定时间进行的。 2．外汇交易期权是指一种货币和另一种货币在未来进行交付的一个合同，在此合同中，
金融专业英语词汇表 accelerated depreciation 加速折旧 acceptor 承兑人；受票人；接受人 accommodation paper 融通票据；担保借据 accounts payable 应付帐款 accounts receivable 应收帐款 accrual basis 应计制；权责发生制 accrued interest 应计利息 accredited investors 合资格投资者；受信投资人 指符合美国证券交易委员(sec)条例，可参与一般美国非公开(私募)发行的部份机构和高净值个人投资者 accredit value 自然增长值 ace 美国商品交易所 acid test ratio 酸性测验比率；速动比率 across the board 全面一致；全盘的 acting in concert 一致行动；合谋 active assets 活动资产；有收益资产 active capital 活动资本 actual market 现货市场 actuary 精算师；保险统计专家 adb 亚洲开发银行
adr 美国存股证；美国预托收据；美国存托凭证 ad valorem 从价；按值 affiliated company 关联公司；联营公司 after date 发票后，出票后 after-market 后市 agm 周年大会 agreement 协议；协定 all-or-none order 整批委托 allocation 分配；配置 allotment 配股 alpha (market alpha) 阿尔法；预期市场可得收益水平 alternative investment 另类投资 american commodities exchange 美国商品交易所 american depository receipt 美国存股证；美国预托收据；美国存托凭证 (简称“adr ”参见adr栏目) american depository share 美国存托股份 amercian stock exchange 美国证券交易所 american style option 美式期权 amex 美国证券交易所 amortizable intangibles 可摊销的无形资产 amortization 摊销
金融专业英语单词内部编号：（YUUT-TBBY-MMUT-URRUY-UOOY-DBUYI-0128）
金融专业英语词汇大全 a flat percentage rate of income 统一比率的所得税税率 a long position 多头部位，利多形势 a long positio 多头寸；买进的期货合同 a put option on a debt security 债务证券的卖出期权 a sales slip 签购单据，售货清单 a short position 空头部位，短缺头寸 a short position 空头；卖出的期货合同 a tax return 税务申报表 abnormal depreciation 特别折旧abnormal spoilage 非 正常损坏 aboriginal cost 原始成本 acceptance bank 票 据承兑行 acceptance method 承兑方式 acceptance risks 承兑风险 accepting bank 承兑银行 accessory risks 附加保险，附加险 accident insurance 意外保险（不包括海 上，火灾和人寿险） accommodation of funds 资金融通 accompany vt. 附 带，伴随，陪同 account charges 账户费用 account current (A/C,a/c) 往来帐 户 account number (A/N) 帐号 account statement 帐户清单 accounting exposure 会计风险 accounting risks 会计风险 accounting value 帐面价值 accounts of assured 保险帐户 accrued bond interest 应计债券利息 accrued depreciation 应计折旧 accrued dividend 应计股利
Opposite指“位置、方向、地位、性质、意义等对立的、相反的”, 如: 如: “True” and “ false ” have opposite meanings. “真”与“假”有着相反的意思。 Contrary指“两物朝相反的方向发展”, 含有“互相冲突, 不一致”的意思, 如: Your plan is contrary to mine. 你的计划与我的相反。 Inverse 颠倒的；倒数的 Evil is the inverse of good. Reverse 反过来，翻转 He reversed the car. 他倒车. 教育类 素质教育 education for all-round development 应试教育 the examination-oriented education 义务教育 compulsory education 片面追求升学率 place undue emphasis on the proportion of students' entering school of a higher level 高分低能 good scores but low qualities 扩招 expand enrollment 教书育人 impart knowledge and educate people 因材施教 teach students according to their aptitude 提高身心素质 improve the health and psychological quality 大学生创业 the university students' innovative undertaking 社会实践 social practice 文凭 diplomas and certificates 复合型人才 interdisciplinary talents 文化底蕴 the rich cultural deposits 适应社会的改变 adjust to the social changes 满足社会的急需 meet the urgent needs the society 工作类 人才流动和双向选择 talent flow and a dual-way selection 试用期 probationary period 跳槽 job-hopping 自由职业 freelance work 拜金主义 money worship 获得名利 achieve fame and wealth 充分发挥个人的潜力 develop fully one's potential and creativity 工作出色 excel in one's work 社会和个人的尊重 social and personal esteem 生计问题 a bread and butter issue 人才交流 talents exchange 培养人才 cultivate talents 人才外流 brain drain 失业问题 unemployment problems 下岗职工 the laid-off workers 自谋生路 be self-employed 劳动力短缺 shortage of manpower 医药卫生类 卫生环境 sanitary environment 营养不良 malnutrition
金融专业英语翻译学习：跟单信用证常见条款及短语applicant 开证人（申请开证人） principal 开证人（委托开证人） accountee 开证人 accreditor 开证人（委托开证人） opener 开证人 for account of Messrs 付（某人）帐 at the request of Messrs 应（某人）请求 on behalf of Messrs 代表某人 by order of Messrs 奉（某人）之命 by order of and for account of Messrs 奉（某人）之命并付其帐户 at the request of and for account of Messrs 应（某人）得要求并付其帐户 in accordance with instruction received from accreditors 根据已收到得委托开证人得指示 2.beneficiary 受益人 beneficiary 受益人 in favour of 以（某人）为受益人 in o ne′s favour 以……为受益人 favouring yourselves 以你本人为受益人
3.drawee 付款人（或称受票人，指汇票） to drawn on (or ：upon) 以（某人）为付款人 to value on 以（某人）为付款人 to issued on 以（某人）为付款人 4.drawer 出票人 5.advising bank 通知行 advising bank 通知行 the notifying bank 通知行 advised th rough…bank 通过……银行通知 advised by airmail/cable through…bank 通过……银行航空信/电通知 6.opening bank 开证行 opening bank 开证行 issuing bank 开证行 establishing bank 开证行 7.negotiation bank 议付行 negotiating bank 议付行 negotiation bank 议付行 8.paying bank 付款行 9.reimbursing bank 偿付行
1.The 3 main functions of commercial banks: the creation of money accomplished through lending and investing activities the holding of deposits the provision of a mechanism for payments and transfers of funds 2.What are negotiable instruments? Negotiable Instruments are documents used in commerce to represent the ownership and secure the payment of money. 3.Why do we need negotiable instruments when making payments? Paying large sums of money in cash is inconvenient and risky. Negotiable Instruments such as Bills of Exchange, Cheques and Promissory Notes are wildly used as instruments in the international settlement. They represent a right to payment. A right is a promise and not a tangible piece of property. 4.What is a crossing? It is a direction to the paying bank that the money proceeds should be paid to the payee’s bank and not directly to the payee himself. General crossings: consisting of two transverse parallel lines across the face of the cheque. Special crossings: consisting of the name of a particular bank to which payment must be made, and the name itself is the crossing. 5.What is the most important difference between bills of exchange and promissory notes? 6.Why debit cards are named as “debit”cards? The amount of the purchase is immediately debited from the account and no credit is involved. 7. fiduciary /fi‘dju:?i?ri/ a. 受托的n.受托人 A company director owes a fiduciary duty to the company 7.The three most-commonly used means of international settlement: remittance collection documentary credit The other two means: standby L/C & bonds 9.A documentary collection gives greater security than settlement on open account, because the importer cannot take possession of the goods without either making payment or accepting a bill of exchange. The banks concerned are under no obligation to pay. 10.Can the exporter be sure at the time of dispatch of the goods that the buyer will actually pay the sum owed? No. So this form of settlement is therefore most appropriate in the following cases: if the exporter has no doubt about the buyer’s willingness and ability to pay; if the political, economic and legal environment in the importing country is considered to be stable;
金融学考研专业英语词汇列表（经济类）1．air pocket气囊：指一种股票的显而易见的极其虚弱性。 2．backdoor listing后门上市：一家公司因其自身未能符合交易所上市规定，便买进一个上市公司，将自身并入其中而使自己能够上市。 3．basket purchase一篮子购买：以一种价格购买一组资产。然而在记帐同时，每件物品可以单独记入，并对每件资产指定一个成本。 4．bear trap空头陷阱：当股票下跌时，引起大量抛售，然后价格又上涨。 5．bed and breakfast deals床头和早餐交易：卖空骗局，个人或公司根据事先安排的交易，先卖出股票，继而在第二天买回，以此形成一个抵消资本收益的税损。本做法仅存于英国。 6．bottom fisher底部钓鱼人：寻找那些价格已跌至最底点，即将发生转机的商品或股票投资者。在有些情况指购买破产或濒临破产组织的股票或债券的人们。 7．butterfly spread蝴蝶差：同时在相同或不同的市场上买或卖三种期货合同，产生利润和借贷权。 8．Chinese Wall中国墙：不可逾越的障碍物，用以阻止华尔街商行的交易区 不公正地使用投资银行家们从客户那里秘密获得的信息。 9．fallen angle下坠天使：大公司的高价证券因某些不利的负面消息而使价格突然下跌。 10．golden handcuffs金手铐：将经纪人和经纪人事务所连结起来的合同；是经纪业对经纪人从一个公司到另一个公司频繁变动的反应。一般包括将其受雇时接受的大部分报酬返还原公司的协议。 11．gold brick假金砖：毫无价值的带有欺诈特点的证券。 12．gray knight灰骑士：公司收购中并非收购对象所寻求的投机性二次投标者，只想利用收购对象和原投标者之间的问题而牟利。 13．graveyard market墓地市场：一种在其中的不能出来，而在外面的不能进去的证券市场。 14．lame duck跛脚鸭：冒险失败的投机者或股票交易中资不抵债的人。
Chapter One Functions of Financial Markets 一．Translate the following sentences into Chinese. 1.China’s banking industry is now supervised by the PBC and CBRC. In addition, the MOF is in charge of financial accounting and taxation part of banking regulation and management. 目前中国银行业主要由中国人民银行和银监会进行监管。此外，财政部负责银行业监管的财务会计及税收方面。 2.Currently Chinese fund management companies are engaged in the following business: securities investment fund, entrusted asset management, investment consultancy, management of national social security funds, enterprise pension funds and QDII businesses. 目前中国的基金管理公司主要从事以下业务：证券投资基金业务、受托资产管理业务、投资咨询业务、社保基金管理业务、企业年金管理业务和合格境内机构投资者业务等。 3.China's economy had 10% growth rate in the years before the world financial crisis of 2008. That economic expansion resulted from big trade surpluses and full investment. Now China is seeking to move away from that growth model. The country is working to balance exports with demand at home. 在2008年世界经济危机之前的那些年，中国经济增长速度曾达到10%。这一经济增长源于巨额贸易盈余和大量投资。中国现在正在寻求改变这一增长模式。中国正致力于平衡出口和国内需求。 二．Translate the following sentences into English 1.中国商业银行监管的程序是市场准入监管、市场运营监管和市场退出监管。 Regulatory procedures of China’s commercial banks are market access regulation, market operation regulation and market exit regulation. 2.国务院关于推进资本市场改革开放和稳定发展的若干意见。 Some opinions of the State Council on promoting the reform, opening and steady growth of the capital market 3.只有建立合理的股权结构，才能保证公司取得好的经营业绩。 Only establishing reasonable ownership structure can guarantee perfect corporate performance. 4.该公司股票暴跌，被伦敦交易所摘牌。 The company’s stock nosedived and it was delisted from the London exchange.
金融专业英语词汇大全 1. a 统一比率的所得税税率 2. a 多头部位，利多形势 3. a 多头寸；买进的期货合同 4. a a 债务证券的卖出期权 5. a 签购单据，售货清单 6. a 空头部位，短缺头寸 7. a 空头；卖出的期货合同 8. a 税务申报表 9.特别折旧 10.非正常损坏 11.原始成本 12.票据承兑行 13.承兑方式 14.承兑风险 15.承兑银行 16.附加保险，附加险 17.意外保险（不包括海上，火灾和人寿险） 18.资金融通 19.. 附带，伴随，陪同 20.账户费用 21.() 往来帐户
22.() 帐号 23.帐户清单 24.会计风险 25.会计风险 26.帐面价值 27.保险帐户 28.应计债券利息 29.应计折旧 30.应计股利 31.( 预约保险申报确认书 32.热头股票，活跃的证券 33.（保险用语）实际现金价值 34.实际汇率 35.适应性预期 36.加保，附加保险 37.追加准备金 38.可调整的保险单 39.可调整的保险费 40.已调整的借方余额 41.预缴保险费 42.涨跌理论 43.逆汇、逆汇兑
44.提款通知书 45.通知银行 46.联行 47.关联人 48.次级市场 49.托收代理银行 50.中国农业银行 51.农业贷款 52.（）农（牧）业税 53.备抵呆帐款项 54.() 选择指令 55.运通卡 56.美国标价法 57.小写金额 58.大写金额 59.年费 60. a 银行开户申请书 61.外汇指定银行 62.汇率升值 63.套利 64.套购，套利，套汇 65.套汇
66.套汇或套股 67.套价机会 68.套汇风险 69.做代理 70.做自营 71.() 亚洲开发银行 72.= = 出售价，报价，开价，出价 73.竞价系统 74.估损 75.资产保险 76.保单转让 77.承担风险 78.不对称 79.'s 风险由货主负担 80.收盘指令 81.按市价 82.平值期权 83.( ) 开盘指令 84.拍卖市场 85.(24 a ) 自动取款机（24小时服务） 86.自动转帐 87.平均数
Answer the questions 1、What are the ways by which the money flows from individual surplus units to deficit units? financial markets facilitate the flow of funds from surplus units to deficit units. Those financial markets that facilitate the flow of short-term funds (with maturities of less than one year) are known as money markets. Those that facilitate the flow of long-term funds are known as capital markets. Debt bond stock fund deritives 2、How does the level of tax, do you think, affect the demand of household for loanable funds? (please explain by pictures) if tax rates on household income are expected to significantly decrease in the future, households might believe that they can more easily afford future loan repayment and thus be willing to borrow more funds. For any interest rate, the quantity of loanable funds demanded by households would be greater as a result of tax law adjustment. This represents an outward shift in the demand schedule. tax rates on household income (income tax decreases →the line of household demand moves right) 3、What is the relationship between the government demand for loanable funds and interest rate? (explain by pictures) Whenever a government’s planed expenditures cannot be completely covered by its incoming revenues from taxes and other sources, it demands loanable funds. The way to obtain fund: Municipal (state and local) governments issue municipal bonds to obtain funds, while the federal government and its agencies issue Treasury securities and federal agency securities Interest-inelastic (insensitive to interest rates): federal government expenditure and tax policies are generally thought to be independent of interest rate. Thus the federal government demand for funds is said to be Interest-inelastic, or insensitive to interest rates. In contrast, municipal governments sometimes postpone proposed expenditures if the cost of financing is too high, implying that their demand for loanable funds is somewhat sensitive to interest rates. ?Like the household and business demand, the government demand for loanable funds can shift in response to various events. Deficit increases →move right Exhibit 2.3 impact of increased government budget deficit on the government demand for loanable funds The federal government demand-for-loanable-funds schedule is Dg1, if new bills are passed that cause a net increase in the deficit of USD20 billion, the
金融专业英语 一、选择题（一共10题，每题2分，共20分） 第8题和第16题替补再后面。 1.Only what happens if the supply is less than demand?（actual price is higher than the equilibrium price） 2.When the Consumer income and established conditions for commodity prices is still, consumers can buy the two commodities to the greatest number of combinations. What did the Line call?（consumption may Line） 3.Opportunity cost:（Measures the cost of doing "x" in terms of what else might be done） 4.The normal downward slope of demand curves is necessarily explained by:（Limited spending power） 5 .For a closed two-good economy, the output of the two goods should be at the point where:（The highest indifference curve touches the production possibility curve） 6 .The "J-curve" shows that following depreciation: （The cost of imports rises immediately from the price effect, worsening the current account bal-ance, but later quantities of imports and exports respond and the current account balance im-proves） 7.Which of the following statements about standby letters of credit is true? :（They can serve as a guarantee to a buyer against a seller defaulting） 8.What information would you find in a statement of cash flows that you would not be able to get from the other two primary financial statements?（Total liabilities due to creditors at the end of the period） *8&16. Which of the following is not a characteristic of a competitive industry?( There is a fierce price war among rivals.) 9.Which of these best describes the U.S. Federal Reserve? （Responsible for monetary policy/money supply） 10.What is the basic purpose of profits in our market economy? （Lead businesses to produce what consumers want） 11.Which of the following will NOT cause a shift in the demand for baseballs? (An increase in the price of baseballs) 12. Decreasing returns to scale may arise from (Inefficiencies in management) 13.If the marginal rate of technological substitution (MRTS) is more than the price ratio of labor over capital (w/r), then to minimize cost the firm should Decrease the input of capital and increase the input of labor. 14. The price of a good changes, both the substitution effect and the income effect reinforce each other, then the good is a (n) (Normal good ) 15.What market is the Most in need of the advertising? (Competitive monopoly market ) 16 .American economist Modigliani’s life-cycle hypothesis is that: (Work time after retirement savings for the consumer finance) 17.According to the rules of debit and credit for balance sheet accounts: (Decreases in asset and liability accounts are recorded by credits) 18. Individuals will accept the medium of exchange in return for goods and services only if they are confident that: (They can exchange it for gold) 19.The prices of meat products in a competitive market are determined by: (Supply and demand) 20.Which one of the following is most likely to improve the wages of American workers? (An increase in productivity)
金融专业英文自我介绍文档2篇Financial professional English self introduction docume nt 编订：JinTai College
金融专业英文自我介绍文档2篇 小泰温馨提示：自我评价是自我意识的一种形式，是主体对自己思想、愿望、行为和个性特点的判断和评价。本文档根据自我评价内容要求 展开说明，具有实践指导意义，便于学习和使用，本文下载后内容可 随意修改调整及打印。 本文简要目录如下：【下载该文档后使用Word打开，按住键盘Ctrl键且鼠标单击目录内容即可跳转到对应篇章】 1、篇章1：金融专业英文自我介绍文档 2、篇章2：交换生英文自我介绍文档 篇章1:金融专业英文自我介绍文档 good morning ! it is really my honor to have this opportunity for a interview, i hope i can make a good performance today. i'm confident that i can succeed. now i will introduce myself briefly i am 22 years old,born in hebei province .
i was graduated from hebei university. my major is finance.and i got my bachelor degree after my graduation in the year of XX. i spend most of my time on study,i have passed cet4 . and i have acquired basic knowledge of my major during my school time. in july XX, i begin work for a small private company as a technical support engineer in baoding city.because i'm capable of more responsibilities, so i decided to change my job. and in august XX,i left baoding to dongguan and worked for a joint-stock companies as a storefront salesperson .because i want to change my working environment, i'd like to find a job which is more challenging. icbc is a global company, so i feel i can gain the most from working in this kind of company ennvironment. that is the reason why i come here to compete for this position.
金融专业词汇 English Terms中文翻译详情解释/例子 Accelerated Depreciation 加快折旧任何基于会计或税务原因促使一项资产在较早期以较大金额折旧的折旧原则 Accident and Health Benefits 意外与健康福利为员工提供有关疾病、意外受伤或意外死亡的福利。这些福利包括支付医院及医疗开支以及有关时期的收入。 Accounts Receivable (AR) 应收账款客户应付的金额。拥有应收账款指公司已经出售产品或服务但仍未收取款项 Accretive Acquisition 具增值作用的收购 项目 能提高进行收购公司每股盈利的收购项目 Acid Test 酸性测试比率一项严谨的测试，用以衡量一家公司是否拥有足够的短期资产，在无 需出售库存的情况下解决其短期负债。 计算方法： (现金 + 应收账款 +短期投资) ￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣ 流动负债 Act of God Bond 天灾债券保险公司发行的债券，旨在将债券的本金及利息与天然灾害造成的公 司损失联系起来 Active Bond Crowd 活跃债券投资者在纽约股票交易所内买卖活跃的定息证券 Active Income 活动收入来自提供服务所得的收入，包括工资、薪酬、奖金、佣金，以及来自 实际参与业务的收入 Active Investing 积极投资包含持续买卖行为的投资策略。主动投资者买入投资，并密切注意其 走势，以期把握盈利机会 Active Management 积极管理寻求投资回报高于既定基准的投资策略 Activity Based Budgeting 以活动为基础的预 算案 一种制定预算的方法，过程为列举机构内每个部门所有牵涉成本的活 动，并确立各种活动之间的关系，然后根据此资料决定对各项活动投 入的资源 Activity Based Management 以活动为基础的管 理 利用以活动为基础的成本计算制度改善一家公司的运营 Activity Ratio 活动比率一项用以衡量一家公司将其资产负债表内账项转为现金或营业额的能 力的会计比率 Actual Return 实际回报一名投资者的实际收益或损失，可用以下公式表示：预期回报加上公 司特殊消息及总体经济消息 Actuary 精算保险公司的专业人员，负责评估申请人及其医疗纪录，以预测申请人 的寿命 Acquisition 收购一家公司收购另一家公司的多数股权 Acquisition Premium 收购溢价收购一家公司的实际成本与该公司收购前估值之间的差额