第一篇：金融專業英語Lesson2_cn 外匯

第二課外匯及外匯管理

外匯：

所謂“外匯”有三個主要的含義。

首先，它意味著國際收支融資利用系統?；蛘撸赡苁侵改切┦茄芯抗ぷ?，以履行國際義務進行財務活動的知識主體。

在第二個地方，它使用的手段來履行國際義務的媒體。對于國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，匯票，支票，銀行匯票，外國債券，優惠券，股息支票，養老金支票，商業和信貸私人信件，旅行者支票，外國紙幣和硬幣等

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。

國際收支的絕大部分是通過外匯的外匯市場上交易的媒介。外匯市場并不是一個在與證券交易所或商品交易所同樣的意義有組織的市場。換言之，沒有一個單一的，物理的地方購買和銷售執行。雖然市場以各種方式組織在世界不同的國家，最簡單的外匯交易，并安排雙方通過電話或電傳執行。外匯交易商是最重要的大型商業銀行，外匯，以維持“交易室”和執行之間或在其公司代客戶進行外匯交易。外匯市場執行四項主要職能：（1）轉移支付，（2）提供貸款，（3）支付一定的距離，以及（4）允許對匯率風險對沖。

對不同貨幣報價的交易所價格或利率方法有兩種形式，直接報價法和間接標價法之一。在直接標價法，被引用率在一個固定的家，每單位外幣兌換貨幣變量數目而言，和中國采用這種方法。在間接標價法，被引用率在外國貨幣單位的變量數目與本國貨幣，在倫敦外匯市場的做法這個方法定點單位條款。

報價的交易商總是在一兩率，他將購買的其他和他將出售外幣。因為那時的直接稅率，對交易商的角度看，格言是“低買高賣”，因為間接率，格言是“買高賣低”。阿之間作出區別，必須由他的客戶和所謂的“市場價格”交易商所收取的費率。市場匯率是指交易商之間的裁決本身作為市場成員。對于直接率，銷售率為他的客戶將低于市場率較高，而買入價將低于市場利率為低。還有許多其他的交流表達，但這些誰沒有得到很好的交流會做精通術語來限制自己的表達式中使用的“有利”和“不利的”匯率變動時，描述，從各自國家的觀點，或使用“欣賞”和“貶值”在描述在仸何特定貨幣價值的變動。在直接稅率的情況下，“低利率是我們”（從國家的觀點有利的）和“高利率是反對我們”（從國家的觀點不利），或老虎鉗在間接稅率的情況相反。

外匯管制：

外匯管制是指一個國家的外匯交易的官方控制。該控件可能擴大在廣泛領域，包括進口商品和服務，從國家，資本流入和流出，匯率，付款方式，平衡維修中心在國外，收購出口和國外匯款舉行證券，居民與非居民的金融關系。外匯管制限制了貨幣持有人的權利，其兌換為其他貨幣。因此，它呈現一種貨幣不可兌換。

外匯管制的大多數發展中國家采取的主要對象，以防止產生不利影響的國際儲備或當地貨幣的對外價值的官方儲備對國際收支的壓力，使之平衡國際收支的平衡，保證，貿易流量和資本有助于其發展目標。除了對商品的進口和出口管制，外匯管制所使用的其他方法是：（1）匯率的控制，（2）固定在其中進口和出口金應發出和接收的貨幣，并從特定國家之間，以及兩個國家（3）雙邊協議合同，主要為避免國際收支逆差的目的。實施外匯管制的法律，法規和協調外匯管制政策的責仸一般在于財政部。外匯管制法規管理往往是委托給中央銀行，但也有例外這個仸務是在一個部門或機構，擁有控制每一個具體的國際交易數量除以許多案件。

外匯管制系統因國家而異。大多數國家采用單一稅率，其中所有的外匯交易是按官方匯率的一個系統上。單速率系統是由交易所管理的控制權，它是唯一的買方和賣方的外匯。出口商和其他人誰得到外國居民的外匯交易是在官方匯率交出其控制的權力。進口商和其他人誰想要對外國居民付款必須得到許可的購買外匯的管制當局在官方匯率?？刂乒芾砭忠部烧{節本國貨幣的外國居民擁有的（銀行帳戶）的使用。商業銀 1

行通常授權作為買賣外匯管理當局的代理人。單一匯率系統通常由一個加強進口配額和/或進口許可證，出口許可證制度。通常的進口許可證也可作為交換許可證，進口商或他人購買外匯。在一些國家，但是，一個交換牌照，除了需要進口許可證。

在中國外匯交易系統：

外匯管制已實施以來，在人民共和國建立的中國。1979年以前，由于資源嚴重缺乏外匯，外匯管制是嚴格執行。自經濟改革引進和對外開放的政策以來，中國的高度集中的外匯管理體制發生了很大變化，從而減少國家干預和發揮更大的作用，符合市場機制與社會主義市場經濟的發展造成的。對中國外匯制度改革的加快，1994年經常項目可兌換的條件引進，統一的外匯市場和以市場為基礎的有管理的浮動匯率通過。11月27日，1996年，中國正式取消所有剩余的經常賬戶的限制，成為第八條國際貨幣基金的成員。在國際交易的外匯經常項目下的轉移支付不再受政府控制或限制。

在國家外匯管理局（SAFE）是外匯管理機構負責。國家外匯管理局有一個人民的中國，中國的中央銀行銀行類似的分支結構。中國銀行業的仍是主要的外匯銀行。其他銀行和金融機構，包括非本地銀行的分支機構，可辦理設計與國家外匯管理局批準的交易。國家實行的國際收支統計申報制度。在交易中的所有實體和直接影響國際收支必須報告的編制國際收支統計數據涉及個人。是禁止外幣流通，不得被用于計價結算。中國一直保持著自1994年1月統一管理的浮動匯率。人民幣的匯率是由銀行間的外匯市場。人民的中國銀行（中國人民銀行）宣布，為對美元，港幣，并在外匯交易的加權平均價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人民幣匯率的變動限制在0.3％的按仸中國人民銀行公布的基準利率的一面。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率0.5％。外匯指定銀行和經營外匯業務的其他金融機構是銀行間外匯交易市場交易商。由中國人民銀行指定的利潤率公布的匯率為基礎，外匯指定銀行兌換及其他金融機構經營外匯業務，可以為客戶報價的買入和賣出價，并進行相應的外匯交易。

在上海的中國外匯交易中心是一個國家綜合銀行間市場外匯交易的電子系統。它是電子聯系與外匯交易中心設在各大城市。

貨幣和外匯市場交易的辦法是由國家外匯管理局規定和調整。國家外匯管理局監督與依法在全國各地的外匯市場。

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

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

第四篇：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

第五篇：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!