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金融英语(新编21世纪高等职业教育精品教材·金融类)

金融英语(新编21世纪高等职业教育精品教材·金融类)

作者:杨琰
出版社:中国人民大学出版社出版时间:2022-01-01
开本: 16开 页数: 217
本类榜单:管理销量榜
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金融英语(新编21世纪高等职业教育精品教材·金融类) 版权信息

  • ISBN:9787300301587
  • 条形码:9787300301587 ; 978-7-300-30158-7
  • 装帧:一般胶版纸
  • 册数:暂无
  • 重量:暂无
  • 所属分类:>

金融英语(新编21世纪高等职业教育精品教材·金融类) 内容简介

本教材基于金融业发展的需求编写,立足于培养“通金融、懂外语”的复合型专业人才的目标设计内容,注重理论联系实际,围绕提高金融类专业学生和金融从业者的金融英语水平与适应靠前金融发展的新形势选取教学素材。教材致力于帮助学习者了解各类金融业务的基本内容和处理程序,提高金融英语的阅读和理解能力、金融专业英语文章的撰写能力,以及金融英语的会话沟通能力等。本教材分为八个教学单元,主要内容包括货币、信用和利率,中央银行,商业银行,投资银行,保险,金融衍生品,外汇市场以及互联网等金融。教材精心选取国内外金融专业英文文献作为课文,附有词汇表和专业术语的注释,并配有适量的练习题和拓展阅读材料供学习者练习和自学使用。

金融英语(新编21世纪高等职业教育精品教材·金融类) 目录


Unit 1 Money, Credit and Interest Rates 货币、信用和利率
Section A Money and Money Supply 货币与货币供给
Section B Credit 信用
Section C Interest Rates 利息和利率

Unit 2 The Central Bank 中央银行
Section A Overview of Central Banks中央银行概述
Section B Some Major Central Banks 一些主要的中央银行

Unit 3 Commercial Banks 商业银行
Section A Overview of Commercial Banks商业银行概述
Section B Personal Banking个人银行业务
Section C Corporate Banking 公司银行业务
Section D Bank Risk Management 银行风险管理

Unit 4 Investment Banks 投资银行
Section A Overview of Investment Banks 投资银行概览
Section B Securities 证券
Section C Stock Market 证券交易所
Section D Securities Regulation 证券监管

Unit 5 Insurance 保险
Section A Overview of Insurance保险概述
Section B Types of Insurance 保险的种类

Unit 6 Derivatives金融衍生品
Section A Overview of Derivatives 金融衍生品概述
Section B Options 期权
Section C Futures and Forwards期货和远期

Unit 7 Foreign Exchange Market 外汇市场
Section A Foreign Exchange and Exchange Rates 外汇和汇率
Section B Foreign exchange Services of Commercial Banks 商业银行的外汇业务

Unit 8 Internet Finance 互联网金融
Section A Overview of Internet Finance互联网金融概述
Section B Models of Internet Finance 互联网金融模式
参考文献
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金融英语(新编21世纪高等职业教育精品教材·金融类) 节选

Unit 1 Money, Credit and Interest Rates 货币、信用和利率 学习目标: 了解货币的演进,信用的形式,货币与经济的重要关系 熟悉货币的功能,货币供给的内涵,基准利率的含义 掌握货币、利息和利率的概念,利率的种类,基础信用工具的类型Section A Money and Money Supply 货币与货币供给 Money is defined as anything that is generally accepted in payment for goods or services or in the repayment of debt. With this definition mentioned, currency, including bank notes and coins, will easily come into people’s mind because it clearly fits this definition. But to define money merely as currency is much too narrow because practically all payments are made not only by the exchange of currency but also by the transfer of deposit balance via checks or electronic transfer. So checking account deposits are considered money as well. Therefore an even broader definition of money is often needed because other items such as savings deposits and time deposits can in effect function as money. As we go on our exploration in finance, we’ll see more components in money. Text 1 Functions of Money 货币的功能 Money is often defined in terms of the three functions or services that it provides. Money serves as a medium of exchange, as a store of value, and as a unit of account. 1. Medium of Exchange Money’s most important function is as a medium of exchange to facilitate transactions. Without money, all transactions would have to be conducted by barter, which involves direct exchange of one good or service for another. The difficulty with a barter system is that in order to obtain a particular good or service from a supplier, one has to possess a good or service of equal value, which the supplier also desires. In other words, in a barter system, exchange can take place only if there is a double coincidence of wants between two transacting parties. The likelihood of a double coincidence of wants, however, is small and makes the exchange of goods and services rather difficult. Money effectively eliminates the double coincidence of wants problem by serving as a medium of exchange that is accepted in all transactions, by all parties, regardless of whether they desire each others’ goods and services. For a commodity to function effectively as money, it has to meet several criteria: (1) It must be easily standardized, making it simple to ascertain its value; (2) It must be widely accepted; (3) It must be divisible, so that it is easy to “make change”; (4) It must be easy to carry; and (5) it must not deteriorate quickly. Forms of money that have satisfied these criteria have taken many unusual forms throughout human history, ranging from wampum (strings of beads) used by Native Americans, to tobacco and whiskey, used by the early American colonists, to cigarettes, used in prisoner-of-war camps during World War II. The diversity of forms of money that have been developed over the years is as much a testament to the inventiveness of the human race as the development of tools and language. 2. Store of Value In order to be a medium of exchange, money must hold its value over time; that is, it must be a store of value. If money could not be stored for some period of time and still remain valuable in exchange, it would not solve the double coincidence of wants problem and therefore would not be adopted as a medium of exchange. As a store of value, money is not unique; many other stores of value exist, such as land, works of art, and even baseball cards and stamps. Money may not even be the best store of value because it depreciates with inflation. However, money is more liquid than most other stores of value because as a medium of exchange, it is readily accepted everywhere. Furthermore, money is an easily transported store of value that is available in a number of convenient denominations. 3. Unit of Account Money also functions as a unit of account or standard of value, providing a common measure of the value of goods and services being exchanged. Knowing the value or price of a good, in terms of money, enables both the supplier and the purchaser of the good to make decisions about how much of the good to supply and how much of the good to purchase. Just as we measure weight in terms of pounds or distance in terms of miles, we measure the value of goods and services in terms of money. The value of a unit of money is determined by the prices of each and every thing―more accurately, the average level of all prices. If prices go up, a unit of money―a dollar―is worth less because it will buy less; if prices go down a dollar is worth more because it will buy more. Thus the value of money varies inversely with the price level. We can see that using money as a unit of account reduces transaction costs in an economy by reducing the number of prices that need to be considered. The benefits of this function of money grow as the economy becomes more complex

金融英语(新编21世纪高等职业教育精品教材·金融类) 作者简介

杨琰,江苏经贸职业技术学院金融学院教师,主要讲授课程包括《金融英语》《商业银行综合柜台业务》等,长期工作在教学一线,教学经验丰富,主持江苏省高校哲学社会科学研究基金项目“普惠金融框架下金融公正与女性金融赋权研究”,江苏省高等职业教育研究会课题“高职院校财经专业课程体系、教学内容改革和整体优化研究”,主持校级精品课程“商业银行柜台业务操作”“国际商务结算”和“证券投资分析”。

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