《金融英语介绍》PPT课件.ppt

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1、Financial EnglishFinancial English任课教师：罗长青任课教师：罗长青 博士博士湖南商学院财政金融学院湖南商学院财政金融学院邮箱邮箱：SuggestionSuggestionPreview the text before you come to class.Take notes in class.Review what you have learned after class.教学目的教学目的掌握专业词汇的英语表达，做到英汉互译。掌握专业词汇的英语表达，做到英汉互译。能看懂一般难度的经济、金融类英语文章。能看懂一般难度的经济、金融类英语文章。在了解金融背景的基础上

2、，能就熟悉的话在了解金融背景的基础上，能就熟悉的话题进行笔头或口头翻译。题进行笔头或口头翻译。教材与参考书目教材与参考书目 教材：教材：金融英语，复旦大学出版社，刘文国金融英语，复旦大学出版社，刘文国主编。主编。参考书目：参考书目：金融英语（基础类），清华大学出版金融英语（基础类），清华大学出版社，金融英语教材编写委员会编写。社，金融英语教材编写委员会编写。现代金融业务，中国金融出版社，金现代金融业务，中国金融出版社，金融专业英语证书考试委员会编。融专业英语证书考试委员会编。金融英语证书（金融英语证书（FECTFECT）考试）考试 金融英语证书考试制度是金融英语证书考试制度是19941994年

3、经中国人年经中国人民银行和原国家教委联合发文批准建立的民银行和原国家教委联合发文批准建立的我国第一个国家级行业性外语证书考试制我国第一个国家级行业性外语证书考试制度。自度。自20092009年开始，金融英语证书考试年开始，金融英语证书考试（FECTFECT）共设两级，分别为）共设两级，分别为FECTFECT综合考试综合考试和和FECTFECT高级考试高级考试。金融英语证书考试每年。金融英语证书考试每年进行一次。进行一次。20112011年度金融英语证书考试时年度金融英语证书考试时间为间为20112011年年6 6月月1111日及日及1212日。日。1 1、FECTFECT综合考试：综合考试：考

4、试科目：现代金融业务；考试科目：现代金融业务；2 2、FECTFECT高级考试：高级考试：（1 1）FECTFECT高级考试必考科目现代金融理论高级考试必考科目现代金融理论与实务；与实务；（2 2）FECTFECT高级考试选考科目银行业务与管高级考试选考科目银行业务与管理理、保险与证券业务，两科任选一科。保险与证券业务，两科任选一科。网络资源网络资源online resourcesonline resources1 1、金融时报金融时报2 2、经济学人期刊、经济学人期刊3 3、华尔街日报华尔街日报4 4、商业周刊、商业周刊5 5、财富期刊财富期刊6 6、中华人民共和国财政部中华人民共和国财政部

5、7 7、中国人民银行中国人民银行8 8、中华人民共和国国际外汇管理局、中华人民共和国国际外汇管理局9 9、中国证券监督管理委员会中国证券监督管理委员会1010、中国保险监督管理委员会中国保险监督管理委员会1111、中国银行监督管理委员会中国银行监督管理委员会1212、美国联邦储备委员会美国联邦储备委员会1313、美国财政部美国财政部1414、世界银行世界银行1515、国际货币基金组织、国际货币基金组织American oil billionaire J.Paul Getty has a very famous saying,that is“If you can actually count y

6、our money,then you are not really a rich man.”美国石油大亨美国石油大亨J.Paul Getty曾经说曾经说过一句话：如果你过一句话：如果你的钱是可以数得清的钱是可以数得清楚的，那么你就不楚的，那么你就不是一个真正的富人。是一个真正的富人。What is Money?What is Money?Currency Currency 货币货币Currency（包括硬币和纸币）（包括硬币和纸币）is one type of money.When most people talk about money,they are talking about curr

7、ency.check check 支票支票Because checks are also accepted as payment for purchases,checking account deposits are considered money as well.wealth wealth 财富财富The word money is frequently used synonymously with wealth.e.g.Joe is richhe has a lot of money.It means that Joe not only has a lot of currency and

8、 a high balance in his checking account but also has stocks,bonds,four cars,three houses,and so on.Balance 帐户存款的余额帐户存款的余额e.g.Could you tell me what my balance is please?你能告诉我的帐户余额吗？你能告诉我的帐户余额吗？Whats the difference between money and Whats the difference between money and wealth?wealth?Wealth includes

9、 not only money but also other assets such as bonds,common stock,art,land,furniture,cars,and houses.Income Income 收入收入 e.g.Susan has a good job and earns a lot of money.收入是某一单位时间内收益的流量，收入是某一单位时间内收益的流量，而货而货币是一个存量，币是一个存量，即某一时间点上一个特定即某一时间点上一个特定的金额。的金额。If someone tells you that he has an income of$1 000

10、,you can not tell whether he earned a lot or a little without knowing whether this$1 000 is earned per year,per month,or even per day.But if someone tells you that she has$1 000 in her pocket,you know exactly how much this is.Definition of MoneyDefinition of MoneyEconomists define money as anything

11、that is generally accepted in payment for goods or services or in the repayment of debts.货币是在支付商品和服务或在偿还债务货币是在支付商品和服务或在偿还债务时被普遍接受的任何东西。时被普遍接受的任何东西。Exercise:Different Types of MoneyExercise:Different Types of Money 区分以下词语的含义区分以下词语的含义What are the exact meanings of these words in English?Cash,Currency,

12、Salary,Wages,Income,Loan,Pension,Fund,Capital,Installments,Debt,Deposit,Aid.Exercise Exercise 1.Money in notes and coins is calleda.cash b.capital c.reserves2.The dollar,the mark and the yen are a.currencies b.funds c.salary3.Money borrowed from a bank is a4.a.deposit b.income c.loana.casha.currenci

13、esc.loanExerciseExercise4.Borrowed money that has to be paid 5.back constitutes aa.debt b.fund c.income5.All the money received by a person or 6.a company is known as7.a.cash b.income c.wagesa.debtb.income6.The money earned for a weeks7.manual work is calleda.income b.salary c.wages7.The money paid

14、for a months8.(professional)work is a9.a.loan b.salary c.wagesc.wagesb.salary8.Money placed in banks and other 9.savings institutions constitutesa.capital b.deposits c finance9.Money paid by the government or a pany to a retired person is a11.a.pension b.income c.loanb.depositsa.pension10.The money

15、that will ultimately be used to pay pensions is kept in aa.budget b.deposit c.fund11.The money needed to start a company is calleda.aid b.capital c.debtc.fundb.capital12.The money paid to lawyers,architects,private schools,etc.is calleda.fees b.installments c.wages13.Regular part payments of debts a

16、re calleda.deposits b.loans c.installmentsa.feesc.installments14.Estimated expenditure and income is written in aa.budget b.reserve c.loan15.Money given to developing countries by richer ones is known asa.aid b.debt c.loana.budgeta.aidReading:The history of moneyReading:The history of moneyPrecious

17、metal Holey dollar Token Plastic note Plastic/credit card Medium of exchange Unit of account Store of value 贵金属贵金属 有洞的钱币有洞的钱币 辅币辅币 塑料钞票塑料钞票 信用卡信用卡 交换媒介交换媒介 计算单位计算单位 价值储存手段价值储存手段 What is Finance?What is Finance?Finance is the science of funds management.The field of finance deals with the concepts of

18、 time,money and risk and how they are interrelated.The main techniques and sectorsThe main techniques and sectors Lender and BorrowerA specific example of corporate financeThe categories of financeFinance is important Personal financePersonal financePersonal finance is the application of the finance

19、 to the monetary decisions of an individual or family unit.Personal financial decisions may involve paying for education,financing durable goods such as real estate and cars.Corporate financeCorporate financeWhat is the corporate finance?Long term and short term decisionInvestment bankingTask of man

20、agerial or corporate financeLong term funds Fund management Financial management vs financial accountingCapital FinancialcapitalFinancialcapitalCapital,inthefinancialsense,isthemoneyCapital,inthefinancialsense,isthemoneythatgivesthebusinessthepowertobuythatgivesthebusinessthepowertobuygoodstobeusedi

21、ntheproductionofgoodstobeusedintheproductionofotherothergoodsgoodsortheofferingofortheofferingofaservicesaservices.The desirability of budgetingBudget is an estimation of the revenue and expenses over a specified future period of time.Capital budget Cash budget is an estimation of the cash inflow an

22、d outflows for a business or individual for a specific period of time.Management of current assetsCredit Forms of credit Advantages of credit tradeDisadvantages of credit tradeFactors which influence credit conditionEffective credit control Duties of the credit departmentCash Reasons for keeping cas

23、hAdvantages of sufficient cashCash is usually the king in financeInsuranceInsuranceInsurance,in law and economics,is a form of risk management primarily used to hedge against the risk of a contingent loss.Requirement of an insurance contractFinancial economicsFinancial mathematicsExperimental financ

24、eQuantitative behavior financeIntangible asset financeReviewReview 复习复习Personal finance Public finance Corporate finance Financial intermediary capital budget个人金融个人金融 财政财政公司金融公司金融 金融中介金融中介 资本资本 预算预算 ReviewReview 复习复习borrower lender Mutual fundChecking account Saving account Credit card 借款人借款人放款人放款人

25、共同基金共同基金 支票帐户支票帐户 储蓄帐户储蓄帐户 信用卡信用卡 ReviewReview 复习复习insurance Durable goods Real estate Working capitalHedge fundsSecurities exchangesPublicly-traded 保险保险 耐用品耐用品 不动产不动产 运营资本运营资本对冲基金对冲基金证券交易所证券交易所公开交易公开交易ReviewReview 复习复习security/securitization Sub-prime mortgages derivatives Share/equity/stock Bond/debenture/debts negotiable share 证券证券/证券化证券化 次级抵押贷款次级抵押贷款 衍生品衍生品 股票、股权股票、股权 债券债券 可流通股份可流通股份ReviewReview 复习复习closed-end securities investment fund open-end securities investment fund fund manager fund custodian bank 封闭式证券投资基金封闭式证券投资基金开放式证券投资基金开放式证券投资基金 基金经理基金经理基金托管银行基金托管银行