第一篇：金融專業英語

lessee 租單人

lessor租賃人

heirs繼承人

successor繼任人

assigns受托人，代理人

paymaster收款方，出納

principal委托人

beneficiary 受益人

undersigned 簽字人

authorized signatory授權簽字人

issued country簽發國

issued date簽發日期

bank guarantee銀行保函（BG）

documentary letter of credit跟單信用證（DLC）

standby letter of credit 備用信用證（SBLC）

fees protection agreement 傭金保護協議（FPA）

irrevocable master fees protection agreement 不可撤銷的傭金保護協議（IMFPA）

hard copy 正本

bank bonded courier 銀行保價專遞

unencumbered 無抵押

free of liens無留置

borrower's initials借方名稱首字母縮寫

details of secuties 有價證券說明

be no callable prior to maturity 到期前不能支取

operating bank營業銀行

contract quantity 合同總額

tranche schedule分期日程

tentative schedule臨時計劃表

withdraw slip 提款單

institutional costs手續費

sign and seal簽字蓋章

restrictions限制條件

imposts間接稅

liens留置

tranching分期

memorandum of understanding 諒解備忘錄（MOU）

physical gold實物黃金

paper gold紙黃金

ingots金錠

tax incentive稅收優惠

quote引文開始

unquote引文結束

rolls & extension 可滾動可展期（R&E）

performance bond 履約保函（PB）

specimen draft樣本

letter of instruction委托購買書

letter of intent意向書（LOI）

letterhead公用信箋

bridge channel牽線人

power of attoney委托書

regional centre經濟特區

pro forma invoice形式發票

irrevocable corporate purchase/pay order不可撤銷購買/支付訂單（ICPO）

permissory note本票，期票（PN）

assignment of agreement;deed of agreement轉讓協議

pre-advice預通知

due dilligence盡職調查（DD）

IBAN國際銀行賬號（International bank Account Number）

SWIFT 全球銀行間金融通信社（Society for Worldwide Financial Telecommunication）FATF金融行動特別工作組（Financial Action Task Force）

MTN中期票據（medium term note）

POF資金證明（proof of funds）

bank coordinates 銀行坐標

payment order 支付令，付款通知

treasury bill國債，國庫券

call option購買選擇權，看漲期權，買入期權，延買期權

legal advisor 法律顧問

legal firm律師事務所

penalty of perjury 偽證罪

tear sheet銀行聲明；樣張(尤指有廣告的一頁，送給廣告客戶以證明廣告已登出)force majeure 不可抗力

international chamber of commerce國際商會（ICC）

non-circumvention and non-disclosure 保密原則（NCND）

hongkong and shanghai banking corporation 匯豐銀行（HSBC）

non-solicitation letter誠信契約書

board of directors corporate resolution董事會決議

whereas鑒于（這個詞在合同中會大寫）

in witness whereof 茲證明

issuing bank發證行

indemnity letter賠償保證書

wire transfer電匯

minute book會議記錄簿

request for proposals標書（RFP）

registered financial planner注冊金融策劃師（RFP）credit enhancement增強信貸

soft probe軟調查

bank reference資信證明

第二篇：金融專業英語

金融專業英語

1、Financial System

見photo1和photo2，監管機構要把一行三會、發改委、財政部、外管局、統計局的全稱寫上，其他三個部分也要寫全稱。

2、Money Market（定義、金融工具及特點）

從P57第二段第三行the money market is actually…開始，一直到P57倒數第四行的expirations。

Money market funds & Money market accounts的區別

P58-59,老師重點劃了P59倒數第七行Money market accounts typically offer…carry additional restrictions。

3、LIBOR（定義，上升、下降會帶來什么）

P18第二段和P19倒數第三段、第二段

4、TED（定義，增大、縮小會帶來什么）

P20第二段、第四段、第五段

5、OIS（這部分記得有點混亂。。）

P21第二段第一句話Overnight…other financial institutions。

P21最后一句話To set up the swap…the other institution。P22第十行One of the key…are paying。第十六行To resolve this issue…each day。

P23第十六行As usual…the gears of expansion。

這個知識點老師一直講到P25的第三段，后面的就不考了，上課打瞌睡，這部分記得不全，歡迎大家補充哈~O(∩_∩)O~

第三篇：金融專業英語參考

金融專業英語

一、選擇題（一共10題，每題2分，共20分）

第8題和第16題替補再后面。

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）.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、閱讀題（一共5題，每題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 share)= 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、簡答題（一共8題，每題5分，共40分）

需要先把題目翻譯成中文，用英語回答內容。

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?什么是金融市場？

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? 什么是初級市場？ 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? 什么是二級市場？ 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? 哪些方法可以用來平衡國際收支逆差？

The methods will be used as following:

a.import restrictionb.export promotion c.tighten monetary policy

d.tighten fiscal policy e.devaluation

6.What are the major functions of modern commercial bank?現代商業銀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.先解釋貨幣市場再說特征

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 貨幣市場的參與者（選擇其中兩個解釋即可）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 expanded.The central bank’s responsibility for the money supply makes it the single most influential participant in the money market.c.Commercial BanksCommercial 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 liquidity, 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.To 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 銀行同業拆借市場 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 銀行承兌

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、綜合運用題（共20分）

1.What is financial crisis?金融危機是什么 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?金融危機的影響 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

第四篇：金融專業英語求職信

In the four years of school life, I have a systematic grasp of the financial system financial professionals, but also the development of todays financial industry with a deeper understanding.Therefore, to lay a solid foundation of professional expertise.Through a four-year specialized courses of study, can grasp and skilled use of international financial, monetary and Banking, Central Bank, Insurance, property insurance, life insurance, Western financial theory, financial marketing, financial marketing, school, bank accounting, commercial banks, Western economics and other professional knowledge and skills, and mastery of a computer beginner, intermediate knowledge and proficiency in the use of WINDOWS operating systems, proficiency in internet, can use WpS, Microsoft Word document editing and operation etc., and can use tools such as photoshop software graphic design, mastered the production of Microsoft Visual Foxpro database.I have been active in learning and motivated to study professional courses in each door, and through the National Computer Rank Examination 2.In practice, life, I put myself in the cruel reality of the knowledge society, learning society, to participate in a number of social practice, greatly enriched his knowledge of society.I have a positive attitude towards life and a wide range of interests and hobbies, strong sense of responsibility at work, diligent, steadfast, strong organization, public information capacity, focusing on team spirit and collective ideas.Road will be long Xi, Wu Jiang from top to bottom the sake of the!If a person can be more practical way of doing things, then his world is magnificent.I firmly believe this and constantly improve themselves.If the privilege were employed, I will think that the best interests of the company to create their own best interests and not bargain.Sincerely do everything, and my colleagues work hard in unity.Work hard to enhance learning, continuous improvement!

第五篇：《金融專業英語》習題答案

《金融專業英語》習題答案

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.目前中國銀行業主要由中國人民銀行和銀監會進行監管。此外，財政部負責銀行業監管的財務會計及稅收方面。

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.目前中國的基金管理公司主要從事以下業務：證券投資基金業務、受托資產管理業務、投資咨詢業務、社保基金管理業務、企業年金管理業務和合格境內機構投資者業務等。

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年世界經濟危機之前的那些年，中國經濟增長速度曾達到10%。這一經濟增長源于巨額貿易盈余和大量投資。中國現在正在尋求改變這一增長模式。中國正致力于平衡出口和國內需求。

二． Translate the following sentences into English 1.中國商業銀行監管的程序是市場準入監管、市場運營監管和市場退出監管。

Regulatory procedures of China’s commercial banks are market access regulation, market operation regulation and market exit regulation.2.國務院關于推進資本市場改革開放和穩定發展的若干意見。

Some opinions of the State Council on promoting the reform, opening and steady growth of the capital market 3.只有建立合理的股權結構，才能保證公司取得好的經營業績。

Only establishing reasonable ownership structure can guarantee perfect corporate performance.4.該公司股票暴跌，被倫敦交易所摘牌。

The company’s stock nosedived and it was delisted from the London exchange.Jasmine

《金融專業英語》習題答案

Chapter Three

Capital Markets 一． Translate the following sentences into Chinese.1.In the broad context of bank fund raising and utilization, corporate banking is divided into assets, liabilities and fee-based business from the accounting perspective.從會計角度出發，也就是從資金來源和資金運用的角度出發，一般將公司金融業務劃分為資產、負債和收費業務三大類。

2.A major credit rating agency recently reported that continued political unrest in Thailand could hurt the country's economy.In its report, Fitch Ratings noted a reduction in manufacturing and sharply lower sales of goods and services.Fitch said, the trust of both Thai consumers and business is at its lowest level since the huge floods of 2011.一家大型信用評級機構最近報告稱，泰國政治持續動蕩可能會傷害該國的經濟。在報告中，惠譽評級指出了制造業的縮減以及商品和服務的銷售大幅下降。惠譽表示，泰國消費者和企業的信心都處于2011年大洪水以來的最低水平。

3.Ireland's bank bailout and government spending have expanded this year's deficit to more than thirty percent of gross domestic product.This is ten times the EU limit for a deficit in relation to the size of an economy, as measured by GDP.對愛爾蘭銀行業的援助以及政府開支使今年的財政赤字增加到超過GDP的30%。這比歐盟要求的財政赤字占GDP規模比例高出10倍。

二． Translate the following sentences into English 1.這兩輪熊市都始于投機熱潮之后出現的資產價格暴跌。

Both bear markets began with a collapse in asset prices following a speculative frenzy.2.2007年信貸市場崩潰之時，杠桿收購潮迅即結束。

When the credit markets collapsed in 2007, the leveraged buyout boom abruptly ended.3.會計改革提高我國上市公司財務報告穩健性了嗎？

Has accounting reform improved financial reporting conservatism of Chinese listed companies? 4.完善的公司治理結構對會計信息披露的影響有積極作用。

The perfect corporate governance structure is positive to the accounting information disclosure.Jasmine

《金融專業英語》習題答案

Chapter Five

Commercial Banking 一． Translate the following sentences into Chinese 1.Assets Business, liabilities business and intermediary business are the three pillars of modern commercial banks.資產業務、負債業務與中間業務是現代商業銀行的三大支柱。

2.When the drawer writes the term “non-transferable” on the bill of exchange, then it cannot be transferred.出票人在匯票上記載“不得轉讓”字樣的，匯票不得轉讓。

3.Nowadays, in order to curb housing prices, the government limits the means of buying a house, such as increasing the ratio of down payment, increasing the interest of the mortgage, not allowing selling the second suite or household constraints, but these methods are not sparse but blocking.現在政府為了抑制房價，用限制買房的方法，如提高首付比例，提高房貸利息，不許賣第二套房或用戶口限制，這些方法都是堵而不是疏。

二． Translate the following sentences into English 4.受票人對遠期匯票承兌后收到貨運單據，這一行為稱為 “承兌交單”。

Receiving the documents when a bill is accepted is called “Documents against Acceptance”

5.持票人對票據的出票人和承兌人的權利，包括付款請求權和追索權。

The rights of the holder, exercised to the drawer and the acceptor, include the right to claim for payment and the right of recourse.6.信用欺詐與拖欠貨款已成為困擾我國外貿企業發展的一大難題。

Credit fraud and default have become big problems for Chinese enterprises.7.擴大財政支出可以提高國內消費信心，從而保證經濟穩定。

The expansion of fiscal expenditure may enhance domestic consumption confidence, thus guarantees the economic stability.Jasmine

and fluctuates as the currencies themselves change.They serve as the unit of account of the IMF and a number of international organizations.SDRs are not a useable currency nor are they a direct claim on the IMF.But holders of SDRs can exchange them into these currencies.特別提款權是由國際貨幣基金組織（IMF）及其成員國所創立的一種特殊形式的貨幣，用以補充基金組織現有貨幣儲備，并分配給成員國。特別提款權的價值根據一籃子主要交易貨幣---美元、歐元和日元來計算，并隨這些貨幣匯率的波動而變化。特別提款權是IMF和一些國際組織的記賬單位。它不是一種可流通的貨幣，也不能向IMF直接要求兌換，但特別提款權的持有者可將特別提款權向其他會員國交換上述主要交易貨幣。

二． Translate the following sentences into English 4.CEO決定對銀行管理高層進行改組。

The chief executive officer decided to reshuffle the bank's top management.5.公司合并或者分立，應當由公司的股東會作出決議。

A resolution to effect the merger and division of a company shall be passed at a meeting of the shareholders.6.如果公司收購最終成功，我們將考慮提升公司的長期投資評級。

If the ultimate success of the acquisition, we will consider upgrading the company's long-term investment rating.7.公司停止了各項業務，于1月份開始變賣資產。

The company closed down operations and began liquidating its assets in January.Jasmine