金融专业英语教学.ppt

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1、金融专业英语知识及词汇2021/7/28ChenJianhui2Part1:Interestratepurchasing-power购买力depreciation折旧rentalfee:租金marketrentalfee市场租金realrentalfee实际租金liquidity:流动资金credit:贷款，信贷2021/7/28ChenJianhui3IOU=IOweYou借据Stipulate规定，确定bond债券termsoftheagreement合约条款periodiccashinterestpayments定期现

2、金支付利息afirmcommitmenttopay明确的支付承诺2021/7/28ChenJianhui4TurnthefollowingintoChinese:rentalfeemarketraterentalcontractrealrentalfeemarketvaluerentalprice租赁金市场利率租赁合同实际租金市场价值租赁价格2021/7/28ChenJianhui5inflationcompensatestipulaterepaymentcommitmentmonetaryterms通货膨胀补偿规定偿还承诺

3、，债务货币单位2021/7/28ChenJianhui6Part2:theFractionalReservefractionalreserve(部分准备金)指银行只需保有其存款负债的某一比例作为准备的规定。这是中央银行为保护存款人的权利所要求的规定，以避免银行信用过度扩张，引起流动性不足，损害存款人的权益。reserve准备金，储备金指银行为预防万一而提存的准备基金。准备金分发行准备金和存款准备金。2021/7/28ChenJianhui7Somebanksmaypaynointerestoronlyaminimalrate

4、ofinterestondeposits.2021/7/28ChenJianhui8Banksmaylendmoremoneythantheyhaveondeposit,justastradersusedtodowhentheyissuedmorereceiptsforcoinsthantheyhadinsafekeeping.2021/7/28ChenJianhui9Strictlyenforcedgovernmentregulationscontrolhowmanyofthedepositeddollarsmustbeh

5、eldinreservetosupportloans.Loansmadeagainstthisfractionalreserveareakeyfactorinbankingandcurrentfractionalreservedepositmoneyexpansionactivities.fractionalreservedepositmoneyexpansionactivities部分准备金存款扩张业务a2021/7/28ChenJianhui10Let’sassumethefractionalreserveratiois

6、12percent.Thus,whenyoudeposit$1,000inyourlocalbank,itmayimmediatelysetaside$120asareserve.setaside:saveorkeepfor留出，拨出e.g.Isetasidesomemoneyeverymonthtobuyacar.fractionalreserveratio部分准备金比率西方国家的中央银行规定商业银行缴存准备金占自身吸收存款的比率。其公式如下：准备金比率＝缴存法定准备金额÷存款余额×100%2021/7/28ChenJi

7、anhui11ThebankdepositsthereserveintheFederalReserveBankorbranchthatservicesyourgeographicalareaoftheUnitedStates.Aftersettingasidethe$120reserve,yourbankisfreetoloanout$880.Anotherbankcustomercomestoborrowthe$880anddepositsthemoneywiththebank.2021/7/28ChenJianhui12

8、Notethatthemoneysupplyhasincreasedby$880,asyour$1,000remainsondepositandthebankhaslent880newdollarstoanotherclient.Afterdeducting12percentof$880(