第一篇：金融專業(yè)英語(yǔ)Lesson2_cn 外匯

第二課外匯及外匯管理

外匯：

所謂“外匯”有三個(gè)主要的含義。

首先，它意味著國(guó)際收支融資利用系統(tǒng)。或者，它可能是指那些是研究工作，以履行國(guó)際義務(wù)進(jìn)行財(cái)務(wù)活動(dòng)的知識(shí)主體。

在第二個(gè)地方，它使用的手段來履行國(guó)際義務(wù)的媒體。對(duì)于國(guó)際金融和交流的目的，媒體的主要種類是電匯，郵件傳輸，票據(jù)，匯票，支票，銀行匯票，外國(guó)債券，優(yōu)惠券，股息支票，養(yǎng)老金支票，商業(yè)和信貸私人信件，旅行者支票，外國(guó)紙幣和硬幣等

一詞的“外匯”第三層含義是，它涵蓋了，在一般的方式，利率在這外匯是引用。

國(guó)際收支的絕大部分是通過外匯的外匯市場(chǎng)上交易的媒介。外匯市場(chǎng)并不是一個(gè)在與證券交易所或商品交易所同樣的意義有組織的市場(chǎng)。換言之，沒有一個(gè)單一的，物理的地方購(gòu)買和銷售執(zhí)行。雖然市場(chǎng)以各種方式組織在世界不同的國(guó)家，最簡(jiǎn)單的外匯交易，并安排雙方通過電話或電傳執(zhí)行。外匯交易商是最重要的大型商業(yè)銀行，外匯，以維持“交易室”和執(zhí)行之間或在其公司代客戶進(jìn)行外匯交易。外匯市場(chǎng)執(zhí)行四項(xiàng)主要職能：（1）轉(zhuǎn)移支付，（2）提供貸款，（3）支付一定的距離，以及（4）允許對(duì)匯率風(fēng)險(xiǎn)對(duì)沖。

對(duì)不同貨幣報(bào)價(jià)的交易所價(jià)格或利率方法有兩種形式，直接報(bào)價(jià)法和間接標(biāo)價(jià)法之一。在直接標(biāo)價(jià)法，被引用率在一個(gè)固定的家，每單位外幣兌換貨幣變量數(shù)目而言，和中國(guó)采用這種方法。在間接標(biāo)價(jià)法，被引用率在外國(guó)貨幣單位的變量數(shù)目與本國(guó)貨幣，在倫敦外匯市場(chǎng)的做法這個(gè)方法定點(diǎn)單位條款。

報(bào)價(jià)的交易商總是在一兩率，他將購(gòu)買的其他和他將出售外幣。因?yàn)槟菚r(shí)的直接稅率，對(duì)交易商的角度看，格言是“低買高賣”，因?yàn)殚g接率，格言是“買高賣低”。阿之間作出區(qū)別，必須由他的客戶和所謂的“市場(chǎng)價(jià)格”交易商所收取的費(fèi)率。市場(chǎng)匯率是指交易商之間的裁決本身作為市場(chǎng)成員。對(duì)于直接率，銷售率為他的客戶將低于市場(chǎng)率較高，而買入價(jià)將低于市場(chǎng)利率為低。還有許多其他的交流表達(dá)，但這些誰(shuí)沒有得到很好的交流會(huì)做精通術(shù)語(yǔ)來限制自己的表達(dá)式中使用的“有利”和“不利的”匯率變動(dòng)時(shí)，描述，從各自國(guó)家的觀點(diǎn)，或使用“欣賞”和“貶值”在描述在仸何特定貨幣價(jià)值的變動(dòng)。在直接稅率的情況下，“低利率是我們”（從國(guó)家的觀點(diǎn)有利的）和“高利率是反對(duì)我們”（從國(guó)家的觀點(diǎn)不利），或老虎鉗在間接稅率的情況相反。

外匯管制：

外匯管制是指一個(gè)國(guó)家的外匯交易的官方控制。該控件可能擴(kuò)大在廣泛領(lǐng)域，包括進(jìn)口商品和服務(wù)，從國(guó)家，資本流入和流出，匯率，付款方式，平衡維修中心在國(guó)外，收購(gòu)出口和國(guó)外匯款舉行證券，居民與非居民的金融關(guān)系。外匯管制限制了貨幣持有人的權(quán)利，其兌換為其他貨幣。因此，它呈現(xiàn)一種貨幣不可兌換。

外匯管制的大多數(shù)發(fā)展中國(guó)家采取的主要對(duì)象，以防止產(chǎn)生不利影響的國(guó)際儲(chǔ)備或當(dāng)?shù)刎泿诺膶?duì)外價(jià)值的官方儲(chǔ)備對(duì)國(guó)際收支的壓力，使之平衡國(guó)際收支的平衡，保證，貿(mào)易流量和資本有助于其發(fā)展目標(biāo)。除了對(duì)商品的進(jìn)口和出口管制，外匯管制所使用的其他方法是：（1）匯率的控制，（2）固定在其中進(jìn)口和出口金應(yīng)發(fā)出和接收的貨幣，并從特定國(guó)家之間，以及兩個(gè)國(guó)家（3）雙邊協(xié)議合同，主要為避免國(guó)際收支逆差的目的。實(shí)施外匯管制的法律，法規(guī)和協(xié)調(diào)外匯管制政策的責(zé)仸一般在于財(cái)政部。外匯管制法規(guī)管理往往是委托給中央銀行，但也有例外這個(gè)仸務(wù)是在一個(gè)部門或機(jī)構(gòu)，擁有控制每一個(gè)具體的國(guó)際交易數(shù)量除以許多案件。

外匯管制系統(tǒng)因國(guó)家而異。大多數(shù)國(guó)家采用單一稅率，其中所有的外匯交易是按官方匯率的一個(gè)系統(tǒng)上。單速率系統(tǒng)是由交易所管理的控制權(quán)，它是唯一的買方和賣方的外匯。出口商和其他人誰(shuí)得到外國(guó)居民的外匯交易是在官方匯率交出其控制的權(quán)力。進(jìn)口商和其他人誰(shuí)想要對(duì)外國(guó)居民付款必須得到許可的購(gòu)買外匯的管制當(dāng)局在官方匯率?？刂乒芾砭忠部烧{(diào)節(jié)本國(guó)貨幣的外國(guó)居民擁有的（銀行帳戶）的使用。商業(yè)銀 1

行通常授權(quán)作為買賣外匯管理當(dāng)局的代理人。單一匯率系統(tǒng)通常由一個(gè)加強(qiáng)進(jìn)口配額和/或進(jìn)口許可證，出口許可證制度。通常的進(jìn)口許可證也可作為交換許可證，進(jìn)口商或他人購(gòu)買外匯。在一些國(guó)家，但是，一個(gè)交換牌照，除了需要進(jìn)口許可證。

在中國(guó)外匯交易系統(tǒng)：

外匯管制已實(shí)施以來，在人民共和國(guó)建立的中國(guó)。1979年以前，由于資源嚴(yán)重缺乏外匯，外匯管制是嚴(yán)格執(zhí)行。自經(jīng)濟(jì)改革引進(jìn)和對(duì)外開放的政策以來，中國(guó)的高度集中的外匯管理體制發(fā)生了很大變化，從而減少國(guó)家干預(yù)和發(fā)揮更大的作用，符合市場(chǎng)機(jī)制與社會(huì)主義市場(chǎng)經(jīng)濟(jì)的發(fā)展造成的。對(duì)中國(guó)外匯制度改革的加快，1994年經(jīng)常項(xiàng)目可兌換的條件引進(jìn)，統(tǒng)一的外匯市場(chǎng)和以市場(chǎng)為基礎(chǔ)的有管理的浮動(dòng)匯率通過。11月27日，1996年，中國(guó)正式取消所有剩余的經(jīng)常賬戶的限制，成為第八條國(guó)際貨幣基金的成員。在國(guó)際交易的外匯經(jīng)常項(xiàng)目下的轉(zhuǎn)移支付不再受政府控制或限制。

在國(guó)家外匯管理局（SAFE）是外匯管理機(jī)構(gòu)負(fù)責(zé)。國(guó)家外匯管理局有一個(gè)人民的中國(guó)，中國(guó)的中央銀行銀行類似的分支結(jié)構(gòu)。中國(guó)銀行業(yè)的仍是主要的外匯銀行。其他銀行和金融機(jī)構(gòu)，包括非本地銀行的分支機(jī)構(gòu)，可辦理設(shè)計(jì)與國(guó)家外匯管理局批準(zhǔn)的交易。國(guó)家實(shí)行的國(guó)際收支統(tǒng)計(jì)申報(bào)制度。在交易中的所有實(shí)體和直接影響國(guó)際收支必須報(bào)告的編制國(guó)際收支統(tǒng)計(jì)數(shù)據(jù)涉及個(gè)人。是禁止外幣流通，不得被用于計(jì)價(jià)結(jié)算。中國(guó)一直保持著自1994年1月統(tǒng)一管理的浮動(dòng)匯率。人民幣的匯率是由銀行間的外匯市場(chǎng)。人民的中國(guó)銀行（中國(guó)人民銀行）宣布，為對(duì)美元，港幣，并在外匯交易的加權(quán)平均價(jià)格在過去的一天的交易中日元人民幣參考利率。每天的兌美元在銀行間外匯市場(chǎng)人民幣匯率的變動(dòng)限制在0.3％的按仸中國(guó)人民銀行公布的基準(zhǔn)利率的一面。禁止港元人民幣和日元的買賣利率不得偏離仸一側(cè)的參考率超過1％。在其他貨幣的情況下，偏差不得超過其各自的仸一側(cè)率0.5％。外匯指定銀行和經(jīng)營(yíng)外匯業(yè)務(wù)的其他金融機(jī)構(gòu)是銀行間外匯交易市場(chǎng)交易商。由中國(guó)人民銀行指定的利潤(rùn)率公布的匯率為基礎(chǔ)，外匯指定銀行兌換及其他金融機(jī)構(gòu)經(jīng)營(yíng)外匯業(yè)務(wù)，可以為客戶報(bào)價(jià)的買入和賣出價(jià)，并進(jìn)行相應(yīng)的外匯交易。

在上海的中國(guó)外匯交易中心是一個(gè)國(guó)家綜合銀行間市場(chǎng)外匯交易的電子系統(tǒng)。它是電子聯(lián)系與外匯交易中心設(shè)在各大城市。

貨幣和外匯市場(chǎng)交易的辦法是由國(guó)家外匯管理局規(guī)定和調(diào)整。國(guó)家外匯管理局監(jiān)督與依法在全國(guó)各地的外匯市場(chǎng)。

第二篇：金融專業(yè)英語(yǔ)

金融專業(yè)英語(yǔ)

1、Financial System

見photo1和photo2，監(jiān)管機(jī)構(gòu)要把一行三會(huì)、發(fā)改委、財(cái)政部、外管局、統(tǒng)計(jì)局的全稱寫上，其他三個(gè)部分也要寫全稱。

2、Money Market（定義、金融工具及特點(diǎn)）

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

Money market funds & Money market accounts的區(qū)別

P58-59,老師重點(diǎn)劃了P59倒數(shù)第七行Money market accounts typically offer…carry additional restrictions。

3、LIBOR（定義，上升、下降會(huì)帶來什么）

P18第二段和P19倒數(shù)第三段、第二段

4、TED（定義，增大、縮小會(huì)帶來什么）

P20第二段、第四段、第五段

5、OIS（這部分記得有點(diǎn)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(gè)知識(shí)點(diǎn)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(bǔ)充哈~O(∩_∩)O~

第三篇：金融專業(yè)英語(yǔ)

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(quán)簽字人

issued country簽發(fā)國(guó)

issued date簽發(fā)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(hù)協(xié)議（FPA）

irrevocable master fees protection agreement 不可撤銷的傭金保護(hù)協(xié)議（IMFPA）

hard copy 正本

bank bonded courier 銀行保價(jià)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(jià)證券說明

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

operating bank營(yíng)業(yè)銀行

contract quantity 合同總額

tranche schedule分期日程

tentative schedule臨時(shí)計(jì)劃表

withdraw slip 提款單

institutional costs手續(xù)費(fèi)

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(shí)物黃金

paper gold紙黃金

ingots金錠

tax incentive稅收優(yōu)惠

quote引文開始

unquote引文結(jié)束

rolls & extension 可滾動(dòng)可展期（R&E）

performance bond 履約保函（PB）

specimen draft樣本

letter of instruction委托購(gòu)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(jīng)濟(jì)特區(qū)

pro forma invoice形式發(fā)票

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

permissory note本票，期票（PN）

assignment of agreement;deed of agreement轉(zhuǎn)讓協(xié)議

pre-advice預(yù)通知

due dilligence盡職調(diào)查（DD）

IBAN國(guó)際銀行賬號(hào)（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(dòng)特別工作組（Financial Action Task Force）

MTN中期票據(jù)（medium term note）

POF資金證明（proof of funds）

bank coordinates 銀行坐標(biāo)

payment order 支付令，付款通知

treasury bill國(guó)債，國(guó)庫(kù)券

call option購(gòu)買選擇權(quán)，看漲期權(quán)，買入期權(quán)，延買期權(quán)

legal advisor 法律顧問

legal firm律師事務(wù)所

penalty of perjury 偽證罪

tear sheet銀行聲明；樣張(尤指有廣告的一頁(yè)，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(guó)際商會(huì)（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(chéng)信契約書

board of directors corporate resolution董事會(huì)決議

whereas鑒于（這個(gè)詞在合同中會(huì)大寫）

in witness whereof 茲證明

issuing bank發(fā)證行

indemnity letter賠償保證書

wire transfer電匯

minute book會(huì)議記錄簿

request for proposals標(biāo)書（RFP）

registered financial planner注冊(cè)金融策劃師（RFP）credit enhancement增強(qiáng)信貸

soft probe軟調(diào)查

bank reference資信證明

第四篇：金融專業(yè)英語(yǔ)參考

金融專業(yè)英語(yǔ)

一、選擇題（一共10題，每題2分，共20分）

第8題和第16題替補(bǔ)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(jiǎn)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(yǔ)回答內(nèi)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(chǎng)？

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(jí)市場(chǎng)？ 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(jí)市場(chǎng)？ 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(guó)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(xiàn)代商業(yè)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(chǎng)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(chǎng)的參與者（選擇其中兩個(gè)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(yè)拆借市場(chǎng) 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(yùn)用題（共20分）

1.What is financial crisis?金融危機(jī)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(jī)的影響 ①M(fèi)any 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

第五篇：金融專業(yè)英語(yǔ)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!