金融英语复习.docx

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1、港币 hongkong德国马克 Deutsche Mark Germany瑞士法郎SWITZERLAND 瑞士瑞典克朗Sweden 瑞典比利时法郎Belgium 比利时 加拿大元Canada美元英镑 GREAT BRITAIN意大利里拉Italy 荷兰盾Holland挪威克郎 丹麦克朗 法国法郎 日元澳元西班牙norway denmark france单选25判断110中英互译85中译英3,英译中2名词解释56小作文 101结论+论据5到6句话单项选择比考点HKDDEMCHFSEKBEFCADUSDGBPITLNLGNOKDKKFRFJPYAudESP基点% one hundredth of

2、one percent名词解释Central bank: a financial institution designated by the central government to formulate and implement monetary policy and to supervise and regulate the financial industry 中央政府指定的金融机构，负责制定和实施货币政策,监督和规范金融行业； Savingscurrentdeposit 活期储蓄存款：Savings deposit is a method of deposit that sets n

3、o limit on length of maturity, time and amount of deposit and withdrawn.储蓄存款是一种对存款期限、期限和存款额不设限制的存款方式； Time deposit定期存款：It is a kind of deposit with a definite length of maturity ,deposited and, withdrawn together with the interest in a lump sum or by installment 它是一种具有一定期限的存款物,存放和提取,连同对一次或分期付款的利息； 一

4、 Time deposit of lump-sum deposit and withdrawal 整存整取定期储蓄存款 50 元： It is a kind of deposit with a definite length of maturity, deposited and, withdrawn together with the interest and principal in a lump sum 它是一种具有一定期限的存款物,存折,并连同利息和本金一并提取；_Time deposite of small savings for lump-sum withdraw1 零存整取定期存款

5、 5 元 It is a kind of deposit that the length of maturity and a fixed amount of deposit are agreed at the time of account opening, and money is deposited by month这是一种存款期限,在开户时约定定期存款的期限,并按月存款；Time deposite of principal receiving and interest withdrawal 存本取息定期储蓄 存款5000It refers to savings deposit whose

6、 principal is deposited by lump sum, whose interset is withdrawn by installment and whose principal is repaid when on due date.它是指由一笔款项存入本金的储蓄存款,该存款由分期提取,并在到期日偿还本金；Time or savings optional deposit 定活两便储蓄存款 50It is a kind of deposit with indefinite length of maturity whose interest rate varies in lin

7、e with the length of maturity.它是一种期限不定的存款,其利率随着期限的长短而变化；Housing loansThey are loans granted by bank to borrowers to facilitate their housing purchasses.它们是银行向借款人发放的贷款，以方便他们购买住房；Housing loans for personal possession 个人住房贷款They are loans granted by bank to borrowers to facilitate their housing purchas

8、ses by taking credit funds from the bank as the source of payment它们是银行向借款人发放的贷款,通过从银行获取信贷资金来作为支付来源来帮助他们 购买住房；Housing loans on Authorization 信贷资金委托住房贷款They refer to loans to individuals who buy ordinary houses granted by the bank on the authorization of the public reserve fund management department,

9、according to the prescribed requirements, and with the public reserve deposits as the source of funding.他们指的是根据规定的要求，向购买银行授权的普通住房的个人发放贷款,并将公共储备 存款作为资金来源；Combined housing loan 组合贷款Combined housing loan refers to a loan granted by the bank to the same borrower to facilitate the purchase of an ordinary

10、 house for his or her own use that takes the public reserve deposit and the credit fund as the sources of funding 联合住房贷款是指银行向同一借款人发放的一笔贷款,用于购买一套普通住房，以供其本 人使用，并将公共储蓄存款和信贷资金作为资金来源；Expected rate of return 预期收益率The rate of return that we expect to earn when we loan money to someone or invest in a busine

11、ss or in real estate.当我们贷款给某人或投资于商业或房地产时，我们期望赚到的回报率；Rate of return 收益率The profit on money we invest expressed as a percentage of the amount of money invested我们所借或投资的钱的收益或利润，以贷款或投资的金额的百分比表示RiskThe possibility that a loan or investment will not produce the return we expect or that we will actually los

12、e money. Risk is the financial uncertainty that the actual return on an investment will be different from the expected return . Factors of risk that can affect an investment include inflation or deflation, currency exchange rates ,liquidity ,default by borrowers and interest rate fluctuation. 贷款或投资不

13、会产生我们预期的回报或我们实际上会赔钱的可能性；风险是指投资的实 际回报与预期收益不同的金融不确定性，可能影响投资的风险因素包括通货膨胀或通货 紧缩、货币汇率、流动性、结款人违约和利率波动；Banker s acceptances 银行承兑汇票A draft accepted by a bank and used as a form of borrowing in the money market银行承兑的汇票,用作货币市场借款的一种形式；Capital market 资本市场Markets for financial assets and liabilities with maturity

14、greater than one year, 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. 金融资产和负债期限大于一年的市场，包括长期政府和公司债券、优先股和普通

15、股;发行 这类票据所获得的资金,在一年以后再偿还,在大多数股票证券的情况下,预计不会偿还 Capital Structure 资本结构The proportion of debt and equity and the particular forms of debt and equity chosen to finance the assets of the firm债务和股票的比例以及为公司资产提供融资的特定形式的债务和股权；Default risk违约风险The uncertainty that some or all of an investment may nor be returne

16、d一些或全部投资的不确定性可能也不会被归还；Liquidity流动性，变现能力Liquidity is the ease with which financial assets can be converted to cash without 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 converted to

17、cash流动性是指金融资产可以轻易地转换为现金，而不会在价格或价值上产生实质性的变化; 流动性受到证券中浮动金额的影响，投资者的兴趣和投资规模被转换成现金；Private placement 私募配售A securities issue privately placed with a small group of investors rather than through a public offering证券发行：由一小群投资者私下发行,而不是通过公开发行；Preferred shares 优先股Shares that pay a fixed dividend and have a clai

18、m on the assets of a corporation ahead of the common shareholders股份支付固定股利，并在普通股股东之前对公司的资产进行索赔；Capital gain资本利得The amount of profit realized when an asset sold at a price higher than the purchase price.当资产以高于购买价的价格卖出时所实现的利润；Capital loss资本损失The amount of profit realized when an asset sold at a price l

19、ess than the purchase price.当资产以低于购买价的价格出售时所实现的利润；Discount贴现单选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. 购买价格低于赎回价格的差额;如果债券以低于面值的价格出售,据说它会折价出售； Yield收益率The return earned on an investment

20、taking into account the annual income and its present capital value . There are a number of different types of yield and in some cases different methods of calculating each type.一项投资的收益，考虑到年度收入和目前的资本价值;有许多不同类型的收益率,在某些 情况下,每种类型的计算方法不同；Yield to maturity到期收益率The discout rate that equates the present va

21、lue of interest payments and redemption value with the present price of the bond 将当前的利息支付和赎回价值与债券的现价等价的贴现利率；Zero coupon bond 零息债券Bonds that are sold at a deep discount and pay no interest折价出售的债券,不支付利息；Registered bonds 记名债券Bonds for which each issuer maintains a record of its bonds, countries requiri

22、ng that bonds be issued in registered form include the United States and Japan 每个发行方保持其债券记录的债券;要求发行债券的国家包括美国和日本；Bearer bondsCommon share 不记名债券Security representing equity ownership in a corporation ;holders of common shares have the right to elect the directors and receive dividends; common sharehol

23、ders rank after creditors, bondholders and preferred shareholders.代表股权所有权的证券公司；普通股的持有人有权选举董事并获得股息；普通股股东在债 权人、债券持有人和优先股股东之后；At the time of account opening, you will be asked to fill in a deposit slip, and the savings outlet will give you a certificate of deposit agaist which the principal and interes

24、t may be withdrawn at tine of maturity当账户开立时，开户时，你会被要求填写一张存款单，并且储蓄机构会给你一个存款证明 关于本金和利息可以在到期时收回；The client needs to countersign 复签 the traveler, s cheque in the presence of the paying cashier immediately and the countersignature shall be consistent with the initial signature.客户需要在付款收银员面前立即复签旅行支票并且复签签名

25、必须与原始签名一致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.我们的银行，由客户委托,收取相关付款人的票据款项如私人支票，邮政支票,财政支票, 汇票,公司支票和银行本票;而我们的银行不承担

26、付款责任；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当托收受理时,托收申请需要一式两份填写,一份返回到客户作为获取收益的凭证； 掌握投资银行中的关键词Important note:depending on the way in which money is made,the supplier ear

27、ns interestloans including bonds, dividendsshares or profitbusiness or real estate Term定期How fast a loan is to be paid or an investment converted back into cash.Flip it抛售Downpayment 首付Currency conversion 汇兑Savings deposite 储蓄账户Housing loans for individuals 私人住房贷款Cash flow现金流Compensation代偿 质物hostage

28、Guarantee 被担保人Guarantor Stipulated adj. 规定的Evaluated value 估值Registered treasury bonds 凭证式国债Joint and several liability guarantees 连带责任Pledge质押Mortgage 抵押Shortfall不足部分Credentials身份证明The pubilic reserve fund 公积金Subrogation 代理人Proceeds 收入、获益down payment n.预付定金;分期付款的首次交款Undertaking n.企业 Stipulate 规定Sav

29、ings deposit 储蓄账户Lump-sum deposit 整存Lump- sum withdrawal 整取Time deposit定期存款Passbook 存折Small savings 零存Principal receiving 本金Debit card借记卡Maturity 到期Certificate of deposite 存单，存款证明Default 违约deposit slip 存款单Certificateed deposit 大额存单Registered treasury bonds 记账式凭证Pledge security 安全等级Notarized 公证的notar

30、y office 公证处Commission手续费佣金Remit V.汇款Remittance n. 匚款outward remittance 汇出汇款Trade acceptance bills 商业承兑汇票Bank acceptance bills 银行承兑汇票Bill discount 贴现Become due 到期Collect the sum under the billEncash变现Formality正式手续Turnover 转手In good faith诚实守信Hypothecation 抵押Automatic renewal 自动续约Working capital 营运资本F

31、ull capacity for civil conductCompatriots 同胞In question所提及的Combined guarantee 混合型担保Credentials身份证明Residence registrationCertificate of ownership 产权证明Written document 书面证明By subrogation 代理Volatility 波幅Debt securities债务型证券Redeem赎回，变现Coupon rate 息票率Current yield当期收益率Par票面价Blue chip firms 蓝筹股Collateral

32、抵押物Debenture无担保公司债务Manage financial affairsIntermediary 中间人Primary marketSecondary marketpolicy holder 投保人Stock exchangePhysical markets 实体市场Intangible or notional marketsDerivatives market 衍生品市场The capital marketMarketability and liquidity 适消性及流通性Offer出售报价Semi-annuallyRedeem赎回Perpetual 永久Local mone

33、yMandate n.任务At the capacity of 以资格compliancen. 顺从，服从；承诺Run挤兑Promulgate 颁布Subsidiary adj.附属的；辅助的n.子公司；辅助者超额认购Oversubscribedco-ordination n.协调；配合Remuneration n.报酬；酬劳，赔偿Miscellaneous fees 杂费Registered treasury bonds 凭证式国债CD存款凭证Hhyothecation抵押Undue certificate 未到期凭证Automatic renewal 自动续约Working capital

34、 营运资本Central bankFunctionFormulateImplementMonetary policyIssueAdministerCirculationLicenseSuperviseFinancial institutionsRegulateFinancial marketForeign exchangeGold reserveFiscalPaymentSettlementStatistical dataSAFEA bank for banksThe government, s bankSupervisor and regulatorMoney managerReserve

35、requirementsDiscount rateOpen market operations savings deposit lump-sum deposit lump sum withdraws time deposit passbook small savings principal receiving debit card certificate maturity Installment PrincipalCertificate of deposit Default Maturity Sub-division Consumption Telephone banking Hypothecation 质押 Personal cheque Postal order Fiscal cheque Draft Corporate cheque Bank cheque Paying liability The principal Beneficiary Notary office Commission recourse