财经英语期末复习.docx

财经英语期末复习.docx

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财经英语期末复习

英汉互译（Exercise1和专业术语）

Unit1

1、People’sBankofChina-中国人民银行；2、BankofChina—中国银行；

3、IndustrialandCommercialBankofChina-中国工商银行；

4、AgriculturalBankofChina—中国农业银行；5、ChinaConstructionBank—中国建设银行；

6、BankofCommunications—交通银行；7、CITICIndustrialBank—中信实业银行；

8、ChinaMerchantsBank—中国招商银行；9、UnitedSecuritiesCo.Ltd.—联合证券有限责任公司；10、ChinaEverbrightBank—中国光大银行；11、ChinaLifeInsuranceCompany—中国人寿保险公司

Financialassets金融资产mutualsavingbank互助储蓄银行

Creditunion信用合作社savingsandloanassociation储蓄贷款协会

Lifeinsurance人寿保险pensionfunds养老基金

Mutualfunds互助基金（投资公司）equitysecurities股权股票

Securityportfolios证券投资组合thelawoflargenumbers大数法则

Unit2

选词（Exercise5）——组合起来（推测大概意思是两个单元这样组成类似于完形填空那种）

Unit1

1、NowI’mclearabouthowthebankdealswiththesaver’sdepositedmoney.

2、Ourcompanyacquiresthatpieceoflandbypurchase.

3、Thecourtestablishedthathehasaclaimtothepropertyofhisstepfather.

4、Theuncoveredforeignexchangepositioncanbeveryriskybecauseofthefluctuationoftheexchangerates.

5、ItwasthehighyieldthatencouragedMr.Smithtobuythatbond.

6、Theoryisbasedonpracticeandinturnservespractice.

7、Intheforeignexchangemarket,youhaveavarietyofchoicestocovertheexchangerisks.

8、AdamSmith’sconceptof“invisiblehand”canbeapplytomoderneconomy.

9、Theprimaryfunctionofmoneyistofacilitateexchange.

10、Arangofmorespecializedbank,togetherwiththeBankofEngland,makeupthestructureofBritishbanking.

Unit2

1、U.S.Treasurybillsarecentraltomoneymarkettransactions.

2、Moneyandbanksplaydominantroesinoureconomiclife.

3、BanksmayborrowtemporaryreservesfromtheFRSasa（n）alternativetosellingsecondaryreserves.

4、Themoneymarketischaracterizedbyitsphysicalinvisibility.

5、Thefinancialmarketconsistofforeignexchangemarket,moneymarket,bondmarketsandequitymarket.

6.Moneymarketinstrumentsarefinancialclaimoflowdefaultrisk,shorttermtomaturityandhighmarketability.Now,let’sdiscussthesecharacteristicsrespective.

7.Inthemoneymarket,thepurposeofadealerisdistinctfromthatofabroker.

8.Financialfuturesmarketsareimportantinthattheyprovideawayforfinancialmarketsparticipantstoprotectthemselvesagainstchangesininterestrates.

9.Manyfinancialcompaniesinourcountryspecializeinconsumerfinancial,particularlyinsmallloans.

10.OTCtradingofsecurities,over-the-countertradingforshort,conductedbytelephone,telexandcomputerlinks.

Unit3

1.Adocumentaryisadraftaccompaniedbydocumentsoftitletogoods.Thedraftisdrawnupbytheexporterwhoalsocollectsnecessarydocuments.

2.Theshippingdocumentssubmittedmayberejectedfornotconformingtothetermsofthecredit.

3.Thesalescontractspecifiescontainershipmentforthegoods.

4.Thosegoodshavetobeinspectedpriortoshipments.

5.Underanopenaccountarrangement,Mr.Wanggothisfundstiedupinthetransactionwithaforeigncompany.

6.Generallyspeaking,afactor（保理商，承购应收账款代理人）willsubstituteitsaccountingservicesfortheaccountingworkofhisclients.

7.Theeconomistsetsouthisideasclearlyinhisarticlethatthecentralbankshouldcarryoutaloosemonetarypolicy.

8.TheFedImposesreserverequirementonbankssothattheykeeppartoftheirdepositsonreserve,eitherinthebankorwiththeFederalReserve.

9.Aletterofcreditalwaysindicatestheexactdocumentswhichthebeneficiarymustsubmit.

10.Fortunatelyourcompanyhasobtainedaloanfortheprojectfromthelocalgovernment.

Unit4

1.Becausetopmanagersareimportantassetstoafirm,thecorporationcanpurchasekeyexecutiveinsurance.

2.“Allrisks”typecoverageprotectsyouagainstalltherisksorperilsthatmaycauselosstothecoveredproperty.

3.Insuranceclaimsstatisticsrevealthatdriversunder30areinvolvedinfarmoreaccidentsthanareolderdrivers.

4.Themarineinsuranceisassociatedwiththerisksuchasfire,storm,collision,pilferageandexplosions,etc.

5.Manyhealthinsurancepolicieslistthedollarvalueforspecificmedicalprocedures.

6.InsuranceinFOBandCIFcontractsshouldbearrangedbetweenthebuyerandseller,sothattherewillbenomisunderstandingwithrespecttotheresponsibilityofbothparties.

7.Eitheryouoryourcustomerwillbeliableforthegoodsatanyonepointinthejourney.

8.GermaninsurancecompanyissubjecttoregulationbytheFederalSupervisoryOfficeconcerningaccountingandinvestmentpractices.

9.InaccordancewiththeBernUnion,maximumcredittermshavebeenrecommendedformanytermssuchasheavycapitalgoods,lightcapitalgoods,andconsumerdurablegoods.

10.Thereisarangeofstandardtypesofcoverage.

Unit5

1.Theloanwasmadeat6percentinterest.

2.Ofcourse,hewillbesubjectedtolosswhenthestockpricegoesdown.

3.Atwhatratecanthegovernmentsecuritiesconvertintodollars?

4.ThesharesarequotedontheStockExchangeatpage80.

5.Thesesecuritiesserveassubstitutesforcashinassetholdingsofindividuals.

6.Youhavetotakeariskofbuyinglotterytickets.

7.Childrenshouldbeprotectedagainstanyformsofill-treatment（虐待）.

8.Treasurybillsareusuallymarketedatadiscount.

9.Wemustcutdownexpensesorwe’llbegettingintodebt.

10.Inanaggregativesense,theinterestrateoflong-termgovernmentbondsishigherthanshort-termbills.

Unit6

1.Aninternalauditorisamemberofstaffwhoauditstheaccountsofthecompanyheworksfor.

2.Ifyouhaven’tgotcash,acreditcardwillservethepurpose.

3.Iamwritingonbehalfoftheshareholders.

4.Thecustomshaveimposeda10%taxincreaseonluxuryitems.

5.Aftergoingthroughthebooks,theyfoundthatonly60%oftherecordsmeetthestandards.

6.Onceyouhavebecomeamemberofthestaff,youmustconformtothecompany’sregulations.

7.Accountingprocedurereferstotheorderlystepstakenbyaccountingstaffinkeepingproperfinancialrecords.

8.Thevalidityofthistickethasexpired.Youcannotuseitanymore.

9.Theirbusinessinterestsdivergefromtheiraims,andfinallytheyhadtosellthecompany.

10.Thepricewentbeyondourmeans;wesimplycouldn’tafford.

Unit7

1.Heobtainedcontrolofthecompanybybuyingthefounder’sshareholding.

2.Intermsofthenumbersinemployment,theBigFivearethebiggestpublicaccountingfirmsintheU.S.A.

3.AdozenofnewmodelsareexhibitedattheinternationalMotorShow。

4.Chinaisacountrywithverylargepopulationcomposedofmanynationalities.

5.Uniquesellingpropositionisthespecialqualityofaproductwhichmakesitdifferentfromothergoodsandthereforeattractivetocustomers.

6.Nowadaysmorewomenareattainingpositionsofpowerinpubliclife.

7.Wehavebeenongoodtermsforalongtime,sowedecidetoextendthecontractforanotherfiveyears.

8.Thecompanyhassufficientfundstopayforitsexpansionprogram.

9.Alargesegmentofthepublicisagainstthenewtax.

10.Duringthosedays,thefallofoilpriceovershadowedtheeconomyoftheoilexportingcountries.

Unit8

汉译英（Exercise9）

1、没有金融中介行为，金融中介机构就无法存在。

Financialintermediariescouldnotexistwithoutintermediation.

2、所有的存款人在同一时间提取资金是极不可能的。

Itishighlyimprobablethatalldepositorswillwithdrawfundsfromatthesametime.

3、金融机构促使资金从贷款人向借款人更为有效的流动。

Financialintermediariesfacilitateamoreefficientflowoffundsfromlenderstoborrowers.

4、这种利率的降低可能对一个国家的经济增长率和发展极为有利。

Thisloweringofinterestrateswouldbehighlybeneficialtoacountry’srateofeconomicgrowthanddevelopment.

Unit2

1、货币市场包括了一系列的市场，每个市场交易的是一种完全不同的金融工具。

Themoneymarketconsistsofacollectionofmarket,eachtradingadistinctlydifferentfinancialinstrument.

2、可以理解的是交易人要以高价卖出而以最低价买入。

Itisunderstandablethatthetraderswillsellatthehighestpriceandbuyatthelowest.

3、在交易室里，电话铃声从来不响，打进的电话是由闪烁的灯光来显示的。

Inthetradingroomphoneneverring.Instead,incomingcallsaresignaledbytheblinkinglights.

4、参与交易的双方指示联储银行从一位客户的银行账户上将资金划拨到另一方的银行账户上。

ThetwopartiesinvolvedinthetransactioninstructtheFederalReservetotransferfundsfromtheaccountofcustomer’sbanktotheotherparty’sbank.

Unit3

1、汇票只不过是一种要求支付的命令。

Thedraftissimplyaninstrumentthatrequestspayment.

2、作为一种物权凭证，海运提单可以由出口商用作获得支付的手段。

Asadocumentoftitle,abilloflandingcanbeusedbytheexporterasameansofobtainingpayment.

3、即期汇票，顾名思义，是银行要求见票即付。

Sightdraft,asthenameimplies,requirethebanktopayondemand.

4、作为一种融资工具，信用证对进、出口商都有利。

Asafinancialinstrument,theletterofcreditbenefitsbothimportersandexporters.

Unit4

1、通过买保险，投保人降低了承受潜在损失的风险。

Bypurchasingtheinsurance,theinsuredreducesexposuretopotentiallosses.

2、在保险业中，信任极为重要，因为保单保护个人或企业免遭不利事件的影响。

Intheinsuranceindustry,confidenceisveryimportantbecauseinsurancepoliciesprotectindividualsandbusinessesfromeffectsofunfavorableevents.

3、在大多数的保险系统内，遭受损失的只是其中的一小部分。

Inmostinsurancesystems,onlysmallpercentagesofthoseinsuredsufferlosses.

4、尽管保单包括各种不同的风险保险，但也具有某些共同的特征。

Whilethepoliciescoverawidevarietyofrisks,theyalsosharecertaincommonfeatures.

5、养老金是工作人员退休后应该得到的收入。

Apensionisanincomepayableafteraworkerretires.

Unit5

1、债务的定义包括联邦政府所有的有息债务。

Thedebtisdefinedtoincludeallinterest-bearingobligationsofthefederalgovernment.

2、如果购买者想在未到期前将储蓄券变现，就要提供一份确定的货币兑现计划。

Ifthepurchaserdesirestoconvertasavingbondintocashpriortothematuritydate,afixedredemptionscheduleisprovided.

3、在利率上升期间，这类长期政府债券的持有者可能要遭受巨大的资本损失。

Inperiodsofrisinginterestrates,theholdersofsuchlong-termtreasurybondsmaysuffersizablecapitalloss.

4、对长期债券的法定上线不适用于短期债券。

Thelegalceilingonlong-termbondsdoesnotappl