第一篇：金融專業(yè)英語(yǔ)復(fù)習(xí)

復(fù)習(xí)綱要

大家主要復(fù)習(xí)課后習(xí)題及課件上提過(guò)的要點(diǎn)，其中第八章是重點(diǎn)章節(jié) 名詞解釋部分（名詞解釋的答案即課后的matching部分，舉例：第7頁(yè)equity即 ownership in a company）

主要包括：

Financial system, bond

Treasury bill, fiat money

Inflation, discount loan

Chinese Banking Regulatory Commission;consolidation

P/E ratio, P/B ratio, H-shares

Risk management;

Outstanding loan;Balance of payments

Eurodollar;Time deposit

Dirty float;

Bill of lading,Secondary market,common stock

arbitrage

名詞解釋考核10個(gè)，試卷是分AB卷的并隨機(jī)抽取，所以大家不要就范圍問(wèn)題糾結(jié)了∩-∩

課后的翻譯題答案：

第一課

2.共同基金是向大眾出售股票的機(jī)構(gòu)，并用由此所得的收益選擇購(gòu)買(mǎi)各種類型的股票或者債券，或者投資組合，或者同時(shí)購(gòu)買(mǎi)股票和債券的投資組合。共同基金的股東接受與投資組合相關(guān)的所有風(fēng)險(xiǎn)和收益。并且如果投資組合價(jià)值升高，股東收益也隨之增長(zhǎng)；如果投資組合價(jià)值降低，股東就會(huì)遭受損失 第二課

2.中央銀行執(zhí)行國(guó)家所選擇的貨幣政策。其中最基礎(chǔ)的就是要確定一國(guó)的貨幣形態(tài)，即法定貨幣，與黃金掛鉤的貨幣（國(guó)際貨幣基金組織成員不允許使用這種貨幣），貨幣局或是貨幣聯(lián)盟。當(dāng)一國(guó)貨幣確定之后，就涉及到某種形式的標(biāo)準(zhǔn)化貨幣的發(fā)行。標(biāo)準(zhǔn)化貨幣本質(zhì)上是一種本票，在一定條件下用票據(jù)交換貨幣的承諾。

第四課

1.在國(guó)務(wù)院的領(lǐng)導(dǎo)下，中國(guó)人民銀行依法獨(dú)立實(shí)施貨幣政策，履行人行職能，開(kāi)展銀行業(yè)務(wù)，其決策不受地方政府，各級(jí)政府部門(mén)，公共組織或者任何個(gè)人的影響。

第五課

1.通過(guò)公開(kāi)發(fā)行上市，上述四家銀行建立了以市場(chǎng)為導(dǎo)向的資本供給機(jī)制，規(guī)范了信息披露，加強(qiáng)了對(duì)高層管理人員的績(jī)效監(jiān)測(cè)。因此資本市場(chǎng)在建立高效的現(xiàn)代金融企業(yè)運(yùn)行機(jī)制中發(fā)揮著越來(lái)越突出的作用。此外，中國(guó)銀行和中國(guó)工商銀行在A股市場(chǎng)的相繼上市也增強(qiáng)了市場(chǎng)的整體投資價(jià)值。

第七課

1.更概括地講，國(guó)際貨幣基金組織的任務(wù)是確保國(guó)際貨幣金融體系的穩(wěn)定，即

能夠促進(jìn)國(guó)家之間國(guó)際收支和貨幣匯率制度的穩(wěn)定?；鸾M織旨在促進(jìn)經(jīng)濟(jì)穩(wěn)定，防止危機(jī)發(fā)生；危機(jī)發(fā)生時(shí)幫助解決危機(jī)；推動(dòng)經(jīng)濟(jì)增長(zhǎng)，減少貧困。為了達(dá)到這些目標(biāo)，基金組織行使三項(xiàng)主要職能——監(jiān)督，技術(shù)支持和借款。第八課

2.回購(gòu)協(xié)議，金融機(jī)構(gòu)或大公司從銀行購(gòu)買(mǎi)國(guó)庫(kù)券，并同意在將來(lái)某個(gè)時(shí)間以約定的價(jià)格，包括利息，再賣(mài)回給銀行。

第九課

1.在使用直接標(biāo)價(jià)法的情況下，如果一個(gè)國(guó)家的貨幣走強(qiáng)，越來(lái)越有價(jià)值，那么匯率就降低，這說(shuō)明該國(guó)貨幣升值了；相反，如果外幣走強(qiáng)，匯率增大，則說(shuō)明該國(guó)貨幣貶值了。

2.固定匯率經(jīng)常用來(lái)穩(wěn)定貨幣的價(jià)值。這有利于促進(jìn)兩個(gè)國(guó)家之間的貿(mào)易與投資，尤其有利于對(duì)外貿(mào)易在GDP中所占份額較大的小國(guó)經(jīng)濟(jì)的發(fā)展。第十一課

2.從出口商的利益考慮，即期付款交單比見(jiàn)票后付款交單更有利，而付款交單比承兌交單更有利。在實(shí)際貿(mào)易中，選擇托收付款應(yīng)慎重。通常在進(jìn)口商財(cái)力雄厚的情況下，或是出口商為了在國(guó)外市場(chǎng)上進(jìn)行促銷(xiāo)，再或者是交易額很小的情況下才使用托收。除此之外，一般應(yīng)選擇信用證。

第十二課

1.貨幣市場(chǎng)交易沒(méi)有特定的特點(diǎn)。相反，交易商們通常會(huì)通過(guò)電話安排買(mǎi)賣(mài)活動(dòng)，因此交易過(guò)程實(shí)現(xiàn)了電子化。正是因?yàn)檫@一特點(diǎn)，貨幣市場(chǎng)證券通常有一個(gè)非常靈活的二級(jí)市場(chǎng)?；钴S的二級(jí)市場(chǎng)使貨幣市場(chǎng)上的交易證券成為了一種非常靈活的金融工具，可以滿足短期融資的需求。

第十四課

2.場(chǎng)外交易衍生產(chǎn)品是買(mǎi)賣(mài)雙方之間直接私下協(xié)商和買(mǎi)賣(mài)的衍生產(chǎn)品合約，不通過(guò)交易所或者其他金融中介。諸如掉期合約，遠(yuǎn)期利率合約，奇異期權(quán)合約幾乎都是以這種方式交易的。場(chǎng)外交易數(shù)量巨大。根據(jù)國(guó)際清算銀行的統(tǒng)計(jì)，美國(guó)2005年全國(guó)未清償交易總量達(dá)到298萬(wàn)億美元。

第十五課

1.保險(xiǎn)的運(yùn)作機(jī)制是保險(xiǎn)人可以向處于相同情況下的一組投保人收取保險(xiǎn)費(fèi)，而在任何一年內(nèi)，并非所有的投保人都會(huì)遭受損失。保險(xiǎn)人會(huì)將這些保險(xiǎn)費(fèi)聚集起來(lái)，用來(lái)賠償投保人的損失。這樣一來(lái)，損失就由所有投保人共同承擔(dān)，而非僅僅落在個(gè)別不幸的投保人身上。

翻譯的時(shí)候注意：不要求大家一字不差按照上述版本翻譯，語(yǔ)意通順，表述清楚，關(guān)鍵詞翻譯出即可得全分，而且有的翻譯不是摘自全部，而是從課后一題中截取部分，所以大家得審清題目

計(jì)算題：

1.考察公司績(jī)效短期測(cè)評(píng)指標(biāo)，譬如ROCE,EPS,P/E的計(jì)算以及股價(jià)估值模型；

2.購(gòu)買(mǎi)力平價(jià)理論與利率平價(jià)理論

3.貨幣的時(shí)間價(jià)值

4.根據(jù)即期匯率，及貼水，升水，計(jì)算遠(yuǎn)期匯率。

下周一晚間如果大家沒(méi)有考試的話，我為大家安排一次答疑，時(shí)間：11月28日晚6：30-8:00，地點(diǎn)，A1S416辦公室。

第二篇：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(xiāo)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(wú)抵押

free of liens無(wú)留置

borrower's initials借方名稱首字母縮寫(xiě)

details of secuties 有價(jià)證券說(shuō)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(kāi)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(mǎi)書(shū)

letter of intent意向書(shū)（LOI）

letterhead公用信箋

bridge channel牽線人

power of attoney委托書(shū)

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(xiāo)購(gòu)買(mǎi)/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(mǎi)選擇權(quán)，看漲期權(quán)，買(mǎi)入期權(quán)，延買(mǎi)期權(quán)

legal advisor 法律顧問(wèn)

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(shū)

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(xiě)）

in witness whereof 茲證明

issuing bank發(fā)證行

indemnity letter賠償保證書(shū)

wire transfer電匯

minute book會(huì)議記錄簿

request for proposals標(biāo)書(shū)（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

第三篇：金融專業(yè)英語(yǔ)

金融專業(yè)英語(yǔ)

1、Financial System

見(jiàn)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(xiě)上，其他三個(gè)部分也要寫(xiě)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(kāi)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(lái)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(lái)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~

第四篇：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!

第五篇：金融專業(yè)英語(yǔ)考題總結(jié)-

一、China’s Financial System 1.Describe the financial system of China.(Write down three institutions’ name of each sector optionally.)簡(jiǎn)單描述中國(guó)的金融體系。

China’s financial system consists of banking, non-banking financial sectors, financial markets and regulatory commissions.Banking includes PBC(The People’s Bank of China), policy banks, state-owned banks and other commercial banks.And among them, policy banks contain CDB(China Development Bank), EXIMBC(The Import-Export Bank of China), ADBC(Agricultural Development Bank of China);State-owned banks contain BC(Bank of China), ICBC(Industrial and Commercial Bank of China), ABC(Agricultural Bank of China),CCB(China Construction Bank);Other commercial banks contains BComm, Citic Bank, Everbright, Huaxia, Minsheng, Guangdong D(Guangdong Development Bank), Shenzheng D, Merchants, Xingye, Pudong D, Hengfeng, Zheshang, Urban Commmercial, Rural Commercial, and so on.Non-banking financial sectors includes Financial Asset Management CO.which manage non-performing assets of the big 4 banks: ICBC’s Huarong, ABC’s Changcheng, BC’s Dongfang, CBC’s Xinda;Insurance Co.;Trust Invest.;Securities Co.;Financial Leasing;Urban CC;Rural CC;Investment fund;Postal savings and other institutions.Financial markets include money market, stock market, band market, futures market, VC/PE and real estate.Regulatory commission includes CBRC（China Banking Regulatory Commission）, CSRC（China Securities Regulatory Commission）, CIRC（China Insurance Regulatory Commission）, SAFE(State Administration of Foreign Exchange), and son on.二、Short History of Modern Finance 1.When is the watershed year of modern finance? Nineteen fifty-two is the watershed year for modern finance.現(xiàn)代金融的分水嶺是1952年。

2.Who is the founder/ Milestone Character of modern finance? Harry Markowitz（哈里﹒馬克維茨）.現(xiàn)代金融的鼻祖是哈里﹒馬克維茨。

3.Before 1945, the macro finance is concerned with the monetary system, and after 1945, it pays more attention to finance market.1945年以前宏觀金融關(guān)注的是貨幣制度，1945年以后更多關(guān)注的是金融市場(chǎng)。

4.What is the common characteristic of macro finance and micro finance? 宏觀金融和微觀金融的共同特點(diǎn)是什么？ Spiral of silence and epidemiology.5.Key words：

Monetarist 貨幣主義學(xué)派

New Keynesian school 新凱恩斯主義學(xué)派 Spiral of silence 沉默的螺旋 Asset mispricing 資產(chǎn)誤定價(jià) Media sentiment 媒體情感 Animal spirit 非理性的動(dòng)物精神 Epidemiology 流行病學(xué) Inflation expectation 通脹預(yù)期 Media 媒體

三、Money Market 1.What is money market? 什么是貨幣市場(chǎng)？

The money market is actually a collection of financial markets in which investors trade financial instruments that are considered to be “just as good” as money.2.How many types of instruments in money market? Please list three items at least.在貨幣市場(chǎng)中有幾種操作工具？至少寫(xiě)出三種。-United States Treasury bills(T-bills)（國(guó)債）

-Federal agency securities(from agencies like the Federal National Mortgage Association—Fannie Mae)（聯(lián)邦機(jī)構(gòu)證券）

-Commercial paper（商業(yè)匯票）

-Repurchase agreements(Repos)（回購(gòu)）

-Negotiable certificates of deposit(CDs,可轉(zhuǎn)讓定期存單)

-Federal funds（銀行間拆借資金）

-Short-term municipal securities(短期市政證券)3.Why are those financial instruments as good as money?

為什么金融工具可以發(fā)揮與貨幣一樣的效能？

Because they meet the following three requirements:(1)They are generally extremely liquid——you can easily buy and sell them;(Why are they liquid)(2)They are considered to be quite safe because they are issued by strong, credit-worthy institutions(Like the U.S.Government);(Why are they safe?)(3)They carry very little price risk because of their short-term expirations；（Why are they low price risk?）

4.How many funding institutions that involved in the money market? 卷入貨幣市場(chǎng)的融資機(jī)構(gòu)有哪些？ For example，government

agency，U.S.Treasury，banks，GSE（Government-sponsored entities）, large corporations, and so on.5.What is money market funds? 什么是貨幣市場(chǎng)基金？

Money market funds are like mutual funds.When you invest in a money market fund, you are actually buying shares in that fund.Typically, money market fund managers try to keep the price of each share in the fund equal to $1.So if you are looking to invest $1,000 in a money market fund, you are most likely going to own 1,000 shares in that fund.6.What are the money market accounts? 什么是貨幣市場(chǎng)賬戶？

Money market accounts are just like any other savings or checking account you might open at your bank.When you put money into a money market account, you are depositing it with your bank, or other financial institution.You are not buying shares in a fund or investing directly in any money-market assets.四、LIROR 1.What does LIBOR stand for? LIBOR的全拼是什么？

LIBOR stands for London Interbank Offered Rate.2.What’s the definition of LIBOR? LIBOR的定義？

LIROR is the average interest rate that banks charge when they make short-term unsecured loans to other banks.3.Who is responsible for and undertake the calculation of LIBOR? And what is the working process of calculation? 誰(shuí)負(fù)責(zé)計(jì)算LIBOR利率？怎么計(jì)算？

The LIBOR is calculated by the British Bankers’ Association(BBA,英國(guó)銀行家協(xié)會(huì))who surveys 16 different major banks and asks them what rate they are charging other banks to borrow money.Once they have compiled the results, they take an approach similar to the judges who score Olympic diving take---they throw the four high scores(or rates)and throw out the four low scores and then find the average of the remaining eight scores.(Concise expression: The British Bankers’ Association is responsible for calculating LIBOR.And they calculate the average of the middle eight scores.)4.What does a rise LIBOR tell us? LIBOR利率上升意味著什么？ When LIBOR is rising, it tells us one of two things: 1)it tells us that interest rates in general are rising and thus LIBOR is also rising, and/or 2)it tells us that lending banks believe the banks they are lending to have a higher risk of defaulting on the loan so the lending bank has to charge a higher interest rate to offset this risk.（Concise expression: 1）in generally, the interest rates are rising;2)higher defaulting risk.)

五、TED Spread 泰德利差

1.Where is the name of TED come from? TED的名字是怎么得來(lái)的？

The TED spread consists of two financial instruments: the 3-month Treasury Bill and the Eurodollar futures contract.Investors simply took the “T” from T-bill and combined it with “ED”, which is the ticker symbol for the Eurodollar futures contract on the Chicago Mercantile Exchange(CME,芝加哥商品交易所)，and they came up with “TED”.2.What does TED measure? And how TED Spread is calculated? TED度量了什么？它是怎么計(jì)算出來(lái)的？s The TED spread measures the difference between the yield on the 3-month Treasury Bill(T-bill)and the value of the Eurodollar futures contract----which is based on the 3-month LIBOR rate.To calculate the TED spread, you simply subtract the yield on the 3-month T-bill(which is unsecure)loans from the value of the Eurodollar contract(which is risk free).3.When TED spread increasing，what does it tell us? 當(dāng)TED利差增大時(shí)，說(shuō)明了什么？

When the TED spread is increasing, it tells us either that banks believe the other banks they are lending to have a higher risk of defaulting on the loans so they are charging a higher interest rate to offset this risk or that investors are flocking to buy T-bills because they believe the stock market is faltering.It also tells us that the credit markets are not functioning as smoothly as they could be—which is sign of potential economic contraction.(Concise expression: a higher defaulting risk;sign of potential economic contraction.)

六、Overnight Index Swaps(OIS)1.Please write out the full name of OIS.請(qǐng)全拼OIS.Overnight Index Swap.2.What’s the working process of the OIS? OIS的運(yùn)作機(jī)制是什么？

To create an OIS, we need to have two financial institutions.One institution has an overnight interest rate and the other institution has a fixed short-term interest rate.The two institutions agree to swap each other’s obligations.So at the end of a specified period, whoever ends up paying less interest will make up the difference to the other institution.(Concise expression: whoever ends up paying less interest will make up the difference to the other institution.)3.What does LIBOR-OIS tell us? LIBOR-OIS告訴我們什么信息？ Liquidity risk premium.(流動(dòng)性風(fēng)險(xiǎn)溢價(jià))4.What does the overnight index swap tell us? 隔夜指數(shù)掉期說(shuō)明什么？

By itself, the overnight index swap rate doesn’t tell us much---other than what the overnight rate is.However, when you combine the overnight index swap rate with another indicator, like LIBOR, and create a spread like the LIBOR OIS spread, you can get a glimpse into the health of the global markets.七、The Fed in Post Subprime Crisis(無(wú)考題)

八、The Economic of Structured Finance 1.What is the essence of structured finance activities? 結(jié)構(gòu)性融資活動(dòng)的本質(zhì)是什么？

The essence of structured finance activities is the pooling of economic assets like loans, bonds, and mortgages, and the subsequent issuance of a prioritized capital structure of claims, known as tranches, against these collateral pools.2.What is tranche? 什么是分層？

A prioritized capital structure of claims.3.What are the features of structured finance products?

結(jié)構(gòu)性金融產(chǎn)品的特點(diǎn)是什么？

We argue that both of these features of structured finance products—the extreme fragility of their ratings to modest imprecision in evaluating underlying risks and their exposure to systematic risks—go a long way in explaining the spectacular rise and fall of structured finance.（注：紅色題目為第一次上課時(shí)老師說(shuō)的考題，但是最后講考題時(shí)沒(méi)講到，可以大概復(fù)習(xí)一下。）