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1、Financial English,任课教师：肖晶湖南商学院财政金融学院邮箱：,Suggestion,Preview the text before you come to class.Take notes in class.Review what you have learned after class.,教学目的,掌握专业词汇的英语表达，做到英汉互译。能看懂一般难度的经济、金融类英语文章。在了解金融背景的基础上，能就熟悉的话题进行笔头或口头翻译。,教材与参考书目,教材：金融英语，复旦大学出版社，刘文国主编。,参考书目：金融英语（基础类），清华大学出版社，金融英语教材编写委员会编写。现代金融
2、业务，中国金融出版社，金融专业英语证书考试委员会编。,金融英语证书（FECT）考试,金融英语证书考试制度是1994年经中国人民银行和原国家教委联合发文批准建立的我国第一个国家级行业性外语证书考试制度。自2009年开始，金融英语证书考试（FECT）共设两级，分别为FECT综合考试和FECT高级考试。金融英语证书考试每年进行一次。2011年度金融英语证书考试时间为2011年6月11日及12日。,1、FECT综合考试：考试科目：现代金融业务；2、FECT高级考试：（1）FECT高级考试必考科目现代金融理论与实务；（2）FECT高级考试选考科目银行业务与管理、保险与证券业务，两科任选一科。,网络资源o
3、nline resources,1、金融时报2、经济学人期刊3、华尔街日报4、商业周刊5、财富期刊6、中华人民共和国财政部,7、中国人民银行8、中华人民共和国国际外汇管理局9、中国证券监督管理委员会10、中国保险监督管理委员会,11、中国银行监督管理委员会12、美国联邦储备委员会13、美国财政部14、世界银行15、国际货币基金组织,American oil billionaire J.Paul Getty has a very famous saying,that is“If you can actually count your money,then you are not really a
4、 rich man.”,美国石油大亨J.Paul Getty曾经说过一句话：如果你的钱是可以数得清楚的，那么你就不是一个真正的富人。,What is Money?,Currency 货币,Currency（包括硬币和纸币）is one type of money.When most people talk about money,they are talking about currency.,check 支票,Because checks are also accepted as payment for purchases,checking account deposits are cons
5、idered money as well.,wealth 财富,The word money is frequently used synonymously with wealth.e.g.Joe is richhe has a lot of money.,It means that Joe not only has a lot of currency and a high balance in his checking account but also has stocks,bonds,four cars,three houses,and so on.,Balance 帐户存款的余额e.g.
6、Could you tell me what my balance is please?你能告诉我的帐户余额吗？,Whats the difference between money and wealth?,Wealth includes not only money but also other assets such as bonds,common stock,art,land,furniture,cars,and houses.,Income 收入,e.g.Susan has a good job and earns a lot of money.收入是某一单位时间内收益的流量，而货币是
7、一个存量，即某一时间点上一个特定的金额。,If someone tells you that he has an income of$1 000,you can not tell whether he earned a lot or a little without knowing whether this$1 000 is earned per year,per month,or even per day.But if someone tells you that she has$1 000 in her pocket,you know exactly how much this is.,D
8、efinition of Money,Economists define money as anything that is generally accepted in payment for goods or services or in the repayment of debts.,货币是在支付商品和服务或在偿还债务时被普遍接受的任何东西。,Exercise:Different Types of Money,区分以下词语的含义,What are the exact meanings of these words in English?Cash,Currency,Salary,Wages,
9、Income,Loan,Pension,Fund,Capital,Installments,Debt,Deposit,Aid.,Exercise,1.Money in notes and coins is calleda.cash b.capital c.reservesThe dollar,the mark and the yen are a.currencies b.funds c.salaryMoney borrowed from a bank is aa.deposit b.income c.loan,a.cash,a.currencies,c.loan,Exercise,Borrow
10、ed money that has to be paid back constitutes aa.debt b.fund c.incomeAll the money received by a person or a company is known asa.cash b.income c.wages,a.debt,b.income,The money earned for a weeksmanual work is calledincome b.salary c.wagesThe money paid for a months(professional)work is aa.loan b.s
11、alary c.wages,c.wages,b.salary,Money placed in banks and other savings institutions constitutescapital b.deposits c financeMoney paid by the government or a company to a retired person is aa.pension b.income c.loan,b.deposits,a.pension,10.The money that will ultimately be used to pay pensions is kep
12、t in aa.budget b.deposit c.fund11.The money needed to start a company is calleda.aid b.capital c.debt,c.fund,b.capital,12.The money paid to lawyers,architects,private schools,etc.is calleda.fees b.installments c.wages13.Regular part payments of debts are calleda.deposits b.loans c.installments,a.fee
13、s,c.installments,14.Estimated expenditure and income is written in aa.budget b.reserve c.loan15.Money given to developing countries by richer ones is known asa.aid b.debt c.loan,a.budget,a.aid,Reading:The history of money,Precious metal Holey dollar Token Plastic note Plastic/credit card Medium of e
14、xchange Unit of account Store of value,贵金属,有洞的钱币,辅币,塑料钞票,信用卡,交换媒介,计算单位,价值储存手段,What is Finance?,Finance is the science of funds management.,The field of finance deals with the concepts of time,money and risk and how they are interrelated.,Lender and borrower,Finance includes saving money and lending
15、money.(P2)An entity whose income exceeds its expenditure can lend or invest the excess income.,financial intermediary,A bank(financial intermediary)accepts deposits from lenders,on which it pays the interest.The bank then lends these deposits to borrowers.,Budget,Finance also deals with how money is
16、 spent and budgeted.(P5)Budget is an estimation of the revenue and expenses over a specified future period of time.,Finance is used by individuals(personal finance),by governments(public finance),by business(corporate finance).,Personal finance(P3),Components of personal finance might include checki
17、ng and savings accounts,credit cards and consumer loans,investments in the stock market,retirement plans,social security benefits,insurance policies,and income tax management.,Bequest,遗产、遗赠He left a bequest to each of his grandchildren.,他给他的孙子孙女每人留下一笔遗产。,Inheritance,1.遗产继承 She spent all her inherita
18、nce in a year.The title passes by inheritance to the eldest son.2.遗传特征Physical characteristics are determined by genetic inheritance.,她在一年之内用完了所有继承的遗产。,这一头衔按世袭传给长子。,身体的特征取决于基因遗传。,Credit,名词1、赊购；赊欠 We bought the dishwasher on credit.Your credit limit is now 2000.,我们赊购了一台洗碗机。,你的信用额度现在为2000英镑。,Credit,2、
19、（从银行借的）借款；贷款 The bank refused further credit to the company.3、（借钱偿还的）信誉，信用Her credit isnt good anywhere now.,银行拒绝再给那家公司提供贷款。,她借钱不还，弄得声名狼藉。,Credit,动词:（给银行账户）存入金额；把记入贷方；贷记（银行账户）Your account has been credited with$50000.$50000 has been credited to your account.已把5万元存入你的账户。,Corporate finance(P3),Manager
20、ial or corporate finance is the task of providing the funds for a corporations activities.It generally involves balancing risk and profitability,while attempting to maximize an entitys wealth and the value of its stock.,Video Stay budget-wise,作 业,P6 英译中Cash Budget前五段。,Review 复习,Personal finance Publ
21、ic finance Corporate finance Financial intermediary capital budget,个人金融,财政,公司金融,金融中介,资本,预算,Review 复习,borrower lender Mutual fundChecking account Saving account Credit card,借款人,放款人,共同基金,支票帐户,储蓄帐户,信用卡,Review 复习,insurance Durable goods Real estate Working capitalHedge fundsSecurities exchangesPublicly-
22、traded,保险,耐用品,不动产,运营资本,对冲基金,证券交易所,公开交易,Review 复习,security/securitization Sub-prime mortgages derivatives Share/equity/stock Bond/debenture/debts negotiable share,证券/证券化,次级抵押贷款,衍生品,股票、股权,债券,可流通股份,Review 复习,closed-end securities investment fund open-end securities investment fund fund manager fund custodian bank,封闭式证券投资基金,开放式证券投资基金,基金经理,基金托管银行,
