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国际金融复习

Multiple Choice 词义选择

要求:理解句子意思,掌握关键词。

Chapter 2: Careers in Commercial Banking

http://www.wendangku.net/doc/105bc9886529647d27285257.htmlmercial banks are in the business of providing banking services to individuals, small

businesses and large organizations.

2.To be good in banking you need a broad understanding of business because your job will

most likely involve interacting with businesses.

3.Banking is going through a period of tremendous consolidation with frequent mergers and

layoffs.

Chapter 5: Central Bank

4.A central bank is responsible for the monetary policy of a country or a group of member

states.

5.A central bank’s primary responsibility is to maintain the stability of the national currency

and monetary supply, but more active duties include controlling loan interest rates.

6.To enable open market operations, a central bank must hold foreign exchange reserves

(usually in the form of government bonds) and official gold reserves.

7.The central bank acts as an adviser to the government, particularly in the area of

international finance.

Chapter 6: The Foreign Exchange Market

8.The foreign exchange market is a place to trade foreign exchange currency, or it is a place

for the transaction of all foreign currency.

9.A foreign exchange rate is the relative value between two currencies. In particular , it is the

quantity of one currency required to buy or sell one unit of the other currency.

10.An investor has to understand how to interpret currency quotes and other basic terminology

of the Forex market before trading currencies with real money.

Chapter 7: Business Financing

11.Debt financing means borrowing money that is to be repaid over a period of time, usually

with interest.

12.Equity financing describes an exchange of money for a share of business ownership.

13.A corporation is a separate legal entity that can be created only by compliance with state

statutes.

14.If you have too much debt, your business may be considered overextended and risky and

unsafe investment.

Chapter 8: Financial Statements

15.Financial statements paint a picture of the transactions that flow through a business.

16.A balance sheet, also known as a “statement of financial position”, reveals a company’s

assets, liabilities and owners’ equity ( net worth).

17.The income statement (IS), also referred to as a profit and loss statement (P&L), shows a

company’s revenues and expenses for a given period of time.

Chapter 9: Investments

18.An investment can be defined as the commitment of funds to one or more assets that will be

held over some future time period.

19.Marketable securities are financial assets that are easily and cheaply tradable in organized

markets.

20.Underlying all investment decisions is the tradeoff between return and risk.

Chapter 12: Stocks Basics

21.Stock is a share in the ownership of a company, so it represents a claim on the company’s

assets and earnings.

22.An extremely important feature of stock is its limited liability, which means that, as an

owner of a stock, you are not personally liable if the company is not able to pay its debts.

23.Taking on greater risk demands a greater return on your investment.

24.There are two main types of stocks: common stock and preferred stock.

25.Stock prices change every day as a result of market forces. Share prices change because of

supply and demand.

T erm Translation 术语翻译

要求:熟记下列术语,做到英汉互译。

Chapter 2: Careers in Commercial Banking

http://www.wendangku.net/doc/105bc9886529647d27285257.htmlmercial banks

2.international finance

3.work ethic

4.credit analyst

5.interpersonal skills

6.detail-oriented

7.accounting

Chapter 5: Central Bank

8.monetary authority

9.money supply

10.monetary policy

11.interest rate

12.policy instrument

13.open market operations

14.reserve requirement

Chapter 6: The Foreign Exchange Market

15.financial market

16.basis point

17.interbank rates

18.currency pair

19.base currency

20.quote currency

21.currency quote

22.bid price

23.ask price

24.cross rate

Chapter 7: Business Financing

25.business financing

26.debt financing

27.short-term debt

28.long-term debt

29.equity financing

30.ownership interest

31.proprietorship

32.partnership

33.corporation

Chapter 8: Financial S tatements

34.balance sheet

35.current assets

36.intangible assets

37.long-term liabilities

38.shareholders’ equity

39.Profit & Loss Statement

40.accounts receivable

41.retained earnings

42.capital gain

43.statement of cash flows

Chapter 9: Investment

44.financial assets

45.portfolio

46.institutional investor

47.expected return

48.realized return

http://www.wendangku.net/doc/105bc9886529647d27285257.htmlmon stock

50.mutual fund

51.corporate bond

52.default risk

Chapter 12: Stocks Basics

53.limited liability

54.initial public offering (IPO)

55.preferred stock

56.Price/Earning Rate

57.stock quote

58.dividend per share

59.trading volume

60.appropriation

Sentence translation 句子翻译

要求:理解句义,保证译文准确无误,表达清晰。

Chapter 2: Careers in Commercial Banking

1.良好的个人修养和职业道德,正直、敬业、遵纪守法是银行职员的基本要求。

2.具有较强的客户需求理解能力、市场营销策划能力和能够根据不同市场客户的特点有针

对性地进行产品规划是银行管理者的能力要求。

3.The number one attribute most corporate employers are looking for is initiative. If you can

give examples in interviews of situations where you did something plain useful even though no one asks you, you will be a hot commodity.

4.Banking is going through a period of tremendous consolidation with frequent mergers and

layoffs.

Chapter 5: Central Bank

5.中国人民银行运用的货币政策工具包括准备金率、中央银行基准利率、再贴现率、中央

银行贷款、公开市场操作和其他由国务院规定的政策工具。

6.每个有完整金融体系的国家都有中央银行,广义而言,中央银行是政府的银行。

7.To enable open market operations, a central bank must hold foreign exchange reserves

(usually in the form of government bonds) and official gold reserves.

8.Central banks’ actions affect interest rates, the amount of credit, and the money supply, all of

which have direct impacts not only on financial markets but also on aggregate output and inflation.

Chapter 6: The Foreign Exchange Market

9.外汇交易市场,也称为“Forex”或“FX”市场,是世界上最大的金融市场。

10.外汇交易投资者可以对经济、社会和政治事件而导致的外汇波动随时做出反应。

11.A foreign exchange rate is the relative value between two currencies. In particular, it is the

quantity of one currency required to buy or sell one unit of the other currency.

12.Where US dollars are not used to express an exchange rate, the term “cross rate” is usually

used to express the relative value s between two currencies.

Chapter 7: Business Financing

13.债权性融资主要有向金融机构贷款和发行企业债券两种形式。

14.企业融资是为了满足企业战略调整、产业扩张和资金周转等方面的需要。

15.Debt financing is attractive because you do not have to sacrifice any ownership interests in

your business, interest on the loan is deductible, and the financing cost is a relatively fixed expense.

16.A corporation is a separate legal entity that can be created only by compliance w ith state

statutes.

Chapter 8: Financial Statements

17.资产负债表是一张静态报表,反映了该报表截止时间时公司的资金来源及分布情况。

18.通过财务报表人们可以对一个公司的财务状况和经营状况有一基本了解。

19.If a company fails to provide meaningful disclosure to investors about where it has been,

where it is and where it is going, a damaging pattern ensues.

20.The income statement covers a specific period of time。It is usually released every financial

quarter, and at the end of the fiscal year (FY).

Chapter 9: Investments

21.组合投资原则,即将风险资金按一定比例投向不同行业、不同企业(项目),或联合几

个风险投资公司共同向一家企业投资。

22.随着社会经济的快速发展,如何投资、如何理财已经成为商业人士关注的焦点。

23.In investment it is critical to distinguish between an expected return and a realized return.

24.What investors actually earn from their holdings may turn out to be more or less than what

they expected to earn when they initiated the investment.

Chapter 12: Stocks Basics

25.公司管理层应该是为股东增加公司的价值。

26.股票的一个十分重要的特征是有限责任,意思是公司不能支付债务时,股票持有者没有

负债责任。

27.The two most important characteristics of common stock as an investment are its residual

claim and limited liability.

28.Stock prices change every day as a result of market forces. By this we mean that share prices

change because of supply and demand. If more people want to buy a stock (demand) rather than sell it (supply), then the price moves up.

Questions

要求:理解题意,回答简明扼要。

1.Why are banks getting aggressive?

2.A typical job in banking in the lending or branch management area would require some skills.

What are those skills?

3.What are the main policy instruments available to a central bank?

4.What is meant by open market operations?

5.What are the common methods to express a foreign exchange rate?

6.What is a currency pair?

7.What is the major disadvantage of equity financing?

8.What are the major forms of business organizations?

9.What are the three types of assets? Explain by giving examples.

10.When can a balance sheet be “balanced”?

11.What is the investment process? What are the two major steps involved in the investment

process?

12.What is a common stock? What are the main features of the common stock?

13.Explain how the market forces cause the stock price to change?

14.What is a bear market and what is a bull market?