本教材繫上海紧缺人才培训工程金融英语岗位资格证书考试用书。由上海国际金融学院、外交部高级译审、上海外国语学院翻译学院、花旗银行、美林集团、博思艾伦谘询公司等权威机构代表组成的金融英语项目专家委员会,经反覆修订,历时两年精心完成。

本教材具有实用性、实务性和实战性特点。适应範围为银行、证券、保险、期货、基金、外汇等金融服务业。

本教材共有4部分: 商业银行、投资银行、金融衍生品和保险。共21个单元,包括实例阅读、对话、听力、模拟试题、术语解释、练习... [显示全部]

序

编者的话

商业银行

Part ⅠThe Banking System 银行体系

Introduction 导语

Section A—The People?s Bank of China 中国人民银行

Section B—Bank of China 中国四大国有商业银行之一: 中国银行

Section C—Bank of America 美国商业银行之一: 美洲银行

Section D—BOC International Holdings Limited 中银国际公... [显示全部]

SectionD—BOCInternational

HoldingsLimited中银国际公司14

ListeningMaterial听力材料17

SampleExaminationQuestions

模拟试题24

PartⅡRetailBanking:BankAccounts私人

业务:银行账户27

Introduction导语28

SectionA—DepositAccounts

存款账户29

SectionB—ForeignCurrencyDeposits外汇存款30

SectionC—DepositsbyCorrespondence邮暂存款31

SectionD—DepositCollectionsinDifferentPlaces异地存款31

SectionE—LossReporting报失33

ListeningMaterial听力材料35

SampleExaminationQuestions模拟试题42

Contents目录FinancialEnglish金融英语PartⅢRetailBanking:Loans私人业务:贷款43

Introduction导语43

SectionA—HousingLoansforIndividuals私人住房贷款44

SectionB—AutoLoans购车贷款45

SectionC—EducationLoans教育贷款45

SectionD—SecuredPersonalLoans以定期存款/国库券做担保的

私人贷款48

SectionE—OtherTypeofLoans其他私人贷款50

ListeningMaterial听力材料52

SampleExaminationQuestions模拟试题60

PartⅣRetailBanking:ForeignCurrency私人银行业务:外汇61

Introduction导语62

SectionA—CurrencyConversion汇兑62

SectionB—CollectionfromAbroad托收62

SectionC—InternationalRemittanceofForeignCurrency国外汇款63

SectionD—ForeignExchangeDealingsforIndividuals私人外汇交易63

SectionE—AutomaticBankingofSavingsDeposits自动储蓄

存款业务64

SectionF—MultifunctionalDebitCard多功能借记卡65

SectionG—PersonalChequeDeposits私人支票存款65

SectionH—SafetyDepositBox保险箱65

SectionI—FeebasedBusiness收费业务65

SectionJ—AutomaticDepositService自动存款服务66

SectionK—TransferServiceforSecurityFirm为证券公司提供

转账服务66

ListeningMaterial听力材料67

SampleExaminationQuestions模拟试题77

PartⅤCorporateBanking:Loans公司业务:贷款78

Introduction导语79

SectionA—RMBWorkingCapitalLoan人民币流动资金贷款80

SectionB—FixedAssetLoan固定资产贷款81

SectionC—ForeignCurrencyLoans外汇贷款82

SectionD—ProjectFinancing项目融资83

SectionE—BillDiscount票据贴现84

SectionF—SyndicatedLoan银团贷款85

ListeningMaterial听力材料88

SampleExaminationQuestions模拟试题98

PartⅥCorporateBanking:CreditLines;TradeFinance公司业务:

信用额度；商业信贷99

Introduction导语100

SectionA—CreditLine信用额度101

SectionB—WorldwideCredit统一授信101

SectionC—ExportBuyersCredit出口买方信贷102

SectionD—ExportSellersCredit出口卖方信贷105

ListeningMaterial听力材料106

SampleExaminationQuestions模拟试题117

PartⅦCorporateBanking:OtherServices公司业务:其他服务118

Introduction导语118

SectionA—AgentBankBusiness委託行业务120

SectionB—TrustLoan委託贷款121

SectionC—FinancialAdvisoryService财务顾问122

ListeningMaterial听力材料127

SampleExaminationQuestions模拟试题131

InvestmentBanking

投资银行PartⅠIntroduction导语133

SectionA—TheBasics基本定义135

SectionB—SettingGoals设立目标137

SectionC—NeedsandMoney需求与货币138

SectionD—AnOverviewofMarkets市场概览139

SectionE—HowSuppliersMakeTheirMoneyAvailable？如何供款145

SectionF—WhatSuppliersofMoneyExpect—TheProfitMotive供款

人的期望——盈利动机148

SectionG—BuyingandSellingTheRighttoUseMoney

买卖货币使用权149

SectionH—HowLongCanThe“Buyers”UseTheMoney?货币“买家”

可以使用货币多长时间呢？149

SectionI—CanSuppliersAlwaysBeSureofGettingTheirMoney

Back?货币使用权的归还150

SectionJ—WordsandExpressions术语及解释151

PartⅡTheFinancialMarketplace金融市场154

SectionA—Introduction导语154

SectionB—TheParticipants入市者155

SectionC—ThePlaces交易场所155

SectionD—TheProducts金融产品158

SectionE—TheTerm金融产品的期限158

SectionF—MarketabilityandLiquidity适销性及流通性159

SectionG—WordsandExpressions术语及解释159

PartⅢDebtSecurities债务型证券165

SectionA—Introduction导语165

SectionB—GeneralCharacteristicsofDebtSecurities债务型证券

的共性166

SectionC—ShortTermDebt短期债务169

SectionD—LongTermDebt:BondsandDebentures长期债务：政府债券及

公司债券171

SectionE—WordsandExpressions术语及解释174

PartⅣEquitySecurities权益型证券177

SectionA—CapitalStructure资本结构177

SectionB—PreferredShares优先股178

SectionC—CommonShares普通股179

SectionD—WordsandExpressions术语及解释184

PartⅤResearch研究金融市场186

SectionA—TheResearchDepartment研究部门186

SectionB—WhatBuyingaShareofStockGivesUs？购买股票的意义187

SectionC—TheCompanyUnderaMicroscope显微镜下的公司188

SectionD—HowMuchMoneyisCompanyEarning?公司收益情况190

SectionE—EarningsAvailablefortheCommonShareholders可分给普通股

股东的收益191

SectionF—WhatAretheEarningsWorth收益的价值192

SectionG—ConsidertheDividend股息193

SectionH—WordsandExpressions术语及解释196

PartⅥTrading股票交易197

SectionA—PuttingOurKnowledgeintoAction变知识为行动197

SectionB—OpeninganAccount开户197

SectionC—WhattheClientShouldExpectfromthe

SecuritiesFirm？证券公司提供的服务199

SectionD—StockSymbols证券交易代码201

SectionE—WhereAreTheCompanysSharesTraded?交易场所202

SectionF—TheQuote报价204

SectionG—PlacinganOrder下达买卖指令205

SectionH—TheReporting公司报告207

SectionI—MeasuringMovementsintheOverallMarket交易指数211

SectionJ—WordsandExpressions术语及解释211

Exercises练习215

ListeningComprehensionExercises听力综合练习215

SpeakingExercises对话练习216

SkillbuildingExercises—Research阅读与研究练习218

SkillbuildingExercise—WritingandSpeaking说写练习218

SkillbuildingExercise—Writing写作练习218

BuildingVocabularyExercises辞彙练习219

TestYourKnowledge知识测试225

CaseStudy:案例分析229

SampleExaminationQuestions模拟试题231

Derivatives

金融衍生品PartⅠIntroduction导语233

SectionA—ACommonBusinessProblem一个普遍的商业难题237

SectionB—WhatAreDerivatives?金融衍生品的定义241

SectionC—UsesofDerivatives用途242

SectionD—WordsandExpressions术语及解释246

PartⅡOptions期权248

SectionA—TheBasics基本定义248

SectionB—OptionsAreBindingContracts期权是契约249

SectionC—EquityOptions股权期权249

SectionD—BuyingOptions买入期权252

SectionE—SellingOptions卖出期权253

SectionF—YouBoughtanOptionandNowYouWanttoGetYour

MoneyOut套现257

SectionG—YouHaveWrittenanOption(OriginalSeller)andYouWant

outoftheContract赎回258

SectionH—TimeDecayofPutandCallOptions期权买卖的

时间衰减260

SectionI—ValuingOptions期权估价260

SectionJ—WhyWeUseEquityOptions?使用股权期权的原因262

SectionK—WordsandExpressions术语及解释264

PartⅢFuturesandForwards期货及远期269

SectionA—TheBasics基础知识270

SectionB—FuturesContracts期货契约270

SectionC—ForwardContracts远期契约277

SectionD—Margins保证金277

SectionE—LongandShort多头及空头交易279

SectionF—ForeignCurrencies外汇280

SectionG—FuturesandForwardContractsSimilaritiesand

Differences期货契约与远期契约的相同与不同之处281

SectionH—WordsandExpressions术语及解释284

Exercises练习292

ListeningComprehensionExercises听力综合练习292

SpeakingExercises对话练习293

SkillbuildingExercises—WritingandSpeaking说写练习294

SkillbuildingExercises—Vocabulary辞彙练习295

TestYourKnowledge知识测试297

CaseStudy—TheAsianFinancialCrisis案例分析——亚洲金融危机300

SampleExaminationQuestions模拟试题303

Insurance

保险PartⅠIntroduction导语305

SectionA—WhatInsuranceIsandWhyWeNeedIt？什幺是保险？

为什幺需要保险？309

SectionB—HowInsuranceWorks？保险的作用310

SectionC—TheFundamentals？基础知识311

SectionD—WordsandExpressions术语及解释319

PartⅡTheInsuranceMarket保险市场322

SectionA—WhoSuppliesInsurance?谁提供保险？322

SectionB—WhoBuysInsurance?谁购买保险？322

SectionC—WhereDoWeBuyInsurance?何处购买保险？322

SectionD—WhatDoWePayforInsurance?保险的成本（保费）323

SectionE—HowDoWeBuyInsurance?如何购买保险324

SectionF—WordsandExpressions术语及解释329

PartⅢLifeInsurance人寿保险330

SectionA—Introduction导语331

SectionB—LifeInsuranceThatProvidesProtectionOnly只提供

保障的寿险332

SectionC—LifeInsuranceThatProvidesBothProtectionand

Savings提供保障兼储蓄功能的寿险334

SectionD—SomeAdditionalFeaturesofLifeInsurancePolicies其他

种类的寿险335

SectionE—WhatDoesItCost?决定保险费的因素335

SectionF—ThePayOut赔付336

SectionG—WordsandExpressions术语及解释337

PartⅣPersonalPropertyandLiabilityInsurance个人财产及责任险339

SectionA—Introduction导语339

SectionB—InsuringtheBuilding房屋保险341

SectionC—ProtectingYourselfAgainstLiabilityforDamageCausedto

Others第三者损失赔偿责任险342

SectionD—InsuringtheContents(ofYourHome)家庭财产保险343

SectionE—WhatisnotCovered？家庭财产保险中不包括的项目346

SectionF—WordsandExpressions术语及解释349

PartⅤAutomobileInsurance汽车保险350

SectionA—TypesofAutomobileInsurance车险的种类350

SectionB—WhoIsatFault?谁承担过失351

SectionC—ProtectingYourselfAgainstLiabilityforDamageCausedto

Others公共责任保险352

SectionD—CoveringMedicalCosts投保医疗费用352

SectionE—ProtectingYourVehicle车险是汽车的保障353

SectionF—OtherKindsofCoverageThatAreReadilyAvailable其他

种类的车险354

SectionG—YouveHadanAccident,NowWhat?车险的

索赔步骤354

SectionH—HowMuchWillAutoInsuranceCost?车险的成本356

SectionI—WordsandExpressions术语及解释358

Exercises练习361

ListeningComprehensionExercises综合听力练习361

SpeakingExercises对话练习362

BuildingVocabularyExercises辞彙练习364

TestYourKnowledge知识测试366

SampleExaminationQuestions模拟试题368

ElectiveCourseAEthics

选修内容A金融职业伦理1. EthicalBehaviour371

2. TypeIEthics372

3. TypeIIEthics373

4. Politics373

5. GoodEthicsMeansGoodBusiness374

6. EthicsandDecisionmaking375

CaseStudyLincolnSavingsandLoadAssociation387

QuestionsforDiscussion395

ElectiveCourseBMoneyLaundering

选修内容B反洗钱1. MoneyLaunderingandCrime397

2. BenefitsofLaunderingMoney398

3. SomeHistory399

4. MoneyLaunderingSchemes402

5. TheMoneyLaunderingProcess406

6. PreventingMoneyLaundering408

7. CustomerdueDiligence—KnowYourCustomer411

8. EffectsofMoneyLaundering412

9. CaseStudies412