金融英语PDF电子书下载

Commercial Banking商业银行 1

Part Ⅰ The Banking System银行体系 1

Introduction导语 3

Section A—The People's Bank of China中国人民银行 7

Section B—Bank of China中国四大国有商业银行之一：中国银行 10

Section C—Bank of America美国商业银行之一：美洲银行 12

Section D—BOC International Holdings Limited中银国际公司 14

Listening Material听力材料 17

Sample Examination Questions模拟试题 24

Part Ⅱ Retail Banking:Bank Accounts私人业务：银行账户 27

Introduction导语 28

Section A—Deposit Accounts存款账户 29

Section B—Foreign Currency Deposits外汇存款 30

Section C—Deposits by Correspondence邮寄存款 31

Section D—Deposit Collections in Different Places异地存款 31

Section E—Loss Reporting报失 33

Listening Material听力材料 35

Sample Examination Questions模拟试题 42

Part Ⅲ Retail Banking:Loans私人业务：贷款 43

Introduction导语 43

Section A—Housing Loans for Individuals私人住房贷款 44

Section B—Auto Loans购车贷款 45

Section C—Education Loans教育贷款 45

Section D—Secured Personal Loans以定期存款／国库券做担保的私人贷款 48

Section E—Other Type of Loans其他私人贷款 50

Listening Material听力材料 52

Sample Examination Questions模拟试题 60

Part Ⅳ Retail Banking:Foreign Currency私人银行业务：外汇 61

Introduction导语 62

Section A—Currency Conversion汇兑 62

Section B—Collection from Abroad托收 62

Section C—International Remittance of Foreign Currency国外汇款 63

Section D—Foreign Exchange Dealings for Individuals私人外汇交易 63

Section E—Automatic Banking of Savings Deposits自动储蓄存款业务 64

Section F—Multifunctional Debit Card多功能借记卡 65

Section G—Personal Cheque Deposits私人支票存款 65

Section H—Safety Deposit Box保险箱 65

Section I—Fee-based Business收费业务 65

Section J—Automatic Deposit Service自动存款服务 66

Section K—Transfer Service for Security Firm为证券公司提供转账服务 66

Listening Material听力材料 67

Sample Examination Questions模拟试题 77

Part Ⅴ Corporate Banking:Loans公司业务：贷款 78

Introduction导语 79

Section A—RMB Working Capital Loan人民币流动资金贷款 80

Section B—Fixed Asset Loan固定资产贷款 81

Section C—Foreign Currency Loans外汇贷款 82

Section D—Project Financing项目融资 83

Section E—Bill Discount票据贴现 84

Section F—Syndicated Loan银团贷款 85

Listening Material听力材料 88

Sample Examination Questions模拟试题 98

Part Ⅵ Corporate Banking:Credit Lines;Trade Finance公司业务：信用额度；商业信贷 99

Introduction导语 100

Section B—Worldwide Credit统一授信 101

Section A—Credit Line信用额度 101

Section C—Export Buyer's Credit出口买方信贷 102

Section D—Export Seller's Credit出口卖方信贷 105

Listening Material听力材料 106

Sample Examination Questions模拟试题 117

Part Ⅶ Corporate Banking:Other Services公司业务：其他服务 118

Introduction导语 118

Section A—Agent Bank Business委托行业务 120

Section B—Trust Loan委托贷款 121

Section C—Financial Advisory Service财务顾问 122

Listening Material听力材料 127

Sample Examination Questions模拟试题 131

Investment Banking投资银行 133

Part Ⅰ Introduction导语 133

Section A—The Basics基本定义 135

Section B—Setting Goals设立目标 137

Section C—Needs and Money需求与货币 138

Section D—An Overview of Markets市场概览 139

Section E—How Suppliers Make Their Money Available？如何供款 145

Section F—What Suppliers of Money Expect—The Profit Motive供款人的期望——盈利动机 148

Section G—Buying and Selling The Right to Use Money买卖货币使用权 149

Section H—How Long Can The“Buyers”Use The Money？货币“买家”可以使用货币多长时间呢？ 149

Section I—Can Suppliers Always Be Sure of Getting Their Money Back？货币使用权的归还 150

Section J—Words and Expressions术语及解释 151

Part Ⅱ The Financial Marketplace金融市场 154

Section A—Introduction导语 154

Section B—The Participants入市者 155

Section C—The Places交易场所 155

Section E—The Term金融产品的期限 158

Section D—The Products金融产品 158

Section G—Words and Expressions术语及解释 159

Section F—Marketability and Liquidity适销性及流通性 159

Part Ⅲ Debt Securities债务型证券 165

Section A—Introduction导语 165

Section B—General Characteristics of Debt Securities债务型证券的共性 166

Section C—Short-Term Debt短期债务 169

Section D—Long-Term Debt:Bonds and Debentures长期债务：政府债券及公司债券 171

Section E—Words and Expressions术语及解释 174

Part Ⅳ Equity Securities权益型证券 177

Section A—Capital Structure资本结构 177

Section B—Preferred Shares优先股 178

Section C—Common Shares普通股 179

Section D—Words and Expressions术语及解释 184

Section A—The Research Department研究部门 186

Part Ⅴ Research研究金融市场 186

Section B—What Buying a Share of Stock Gives Us？购买股票的意义 187

Section C—The Company Under a Microscope显微镜下的公司 188

Section D—How Much Money is Company Earning？公司收益情况 190

Section E—Earnings Available for the Common Shareholders可分给普通股股东的收益 191

Section F—What Are the Earnings Worth收益的价值 192

Section G—Consider the Dividend股息 193

Section H—Words and Expressions术语及解释 196

Part Ⅵ Trading股票交易 197

Section A—Putting Our Knowledge into Action变知识为行动 197

Section B—Opening an Account开户 197

Section C—What the Client Should Expect from the Securities Firm？证券公司提供的服务 199

Section D—Stock Symbols证券交易代码 201

Section E—Where Are The Company's Shares Traded？交易场所 202

Section F—The Quote报价 204

Section G—Placing an Order下达买卖指令 205

Section H—The Reporting公司报告 207

Section I—Measuring Movements in the Overall Market交易指数 211

Section J—Words and Expressions术语及解释 211

Exercises练习 215

Listening Comprehension Exercises听力综合练习 215

Speaking Exercises对话练习 216

Skill-building Exercises—Research阅读与研究练习 218

Skill-building Exercise—Writing and Speaking说写练习 218

Skill-building Exercise—Writing写作练习 218

Building Vocabulary Exercises词汇练习 219

Test Your Knowledge知识测试 225

Case Study：案例分析 229

Sample Examination Questions模拟试题 231

Derivatives金融衍生品 233

Part Ⅰ Introduction导语 233

Section A—A Common Business Problem一个普遍的商业难题 237

Section B—What Are Derivatives？金融衍生品的定义 241

Section C—Uses of Derivatives用途 242

Section D—Words and Expressions术语及解释 246

Part Ⅱ Options期权 248

Section A—The Basics基本定义 248

Section B—Options Are Binding Contracts期权是契约 249

Section C—Equity Options股权期权 249

Section D—Buying Options买入期权 252

Section E—Selling Options卖出期权 253

Section F—You Bought an Option and Now You Want to Get Your Money Out套现 257

Section G—You Have Written an Option(Original Seller)and You Want out of the Contract赎回 258

Section I—Valuing Options期权估价 260

Section H—Time Decay of Put and Call Options期权买卖的时间衰减 260

Section J—Why We Use Equity Options？使用股权期权的原因 262

Section K—Words and Expressions术语及解释 264

Part Ⅲ Futures and Forwards期货及远期 269

Section A—The Basics基础知识 270

Section B—Futures Contracts期货合同 270

Section C—Forward Contracts远期合同 277

Section D—Margins保证金 277

Section E—Long and Short多头及空头交易 279

Section F—Foreign Currencies外汇 280

Section G—Futures and Forward Contracts-Similarities and Differences期货合同与远期合同的相同与不同之处 281

Section H—Words and Expressions术语及解释 284

Listening Comprehension Exercises听力综合练习 292

Exercises练习 292

Speaking Exercises对话练习 293

Skill-building Exercises—Writing and Speaking说写练习 294

Skill-building Exercises—Vocabulary词汇练习 295

Test Your Knowledge知识测试 297

Case Study—The Asian Financial Crisis案例分析——亚洲金融危机 300

Sample Examination Questions模拟试题 303

Insurance保险 305

Part Ⅰ Introduction导语 305

Section A—What Insurance Is and Why We Need It？什么是保险？为什么需要保险？ 309

Section B—How Insurance Works？保险的作用 310

Section C—The Fundamentals？基础知识 311

Section D—Words and Expressions术语及解释 319

Section C—Where Do We Buy Insurance？何处购买保险？ 322

Section B—Who Buys Insurance？谁购买保险？ 322

Part Ⅱ The Insurance Market保险市场 322

Section A—Who Supplies Insurance？谁提供保险？ 322

Section D—What Do We Pay for Insurance？保险的成本（保费） 323

Section E—How Do We Buy Insurance？如何购买保险 324

Section F—Words and Expressions术语及解释 329

Part Ⅲ Life Insurance人寿保险 330

Section A—Introduction导语 331

Section B—Life Insurance That Provides Protection Only只提供保障的寿险 332

Section C—Life Insurance That Provides Both Protection and Savings提供保障兼储蓄功能的寿险 334

Section D—Some Additional Features of Life Insurance Policies其他种类的寿险 335

Section E—What Does It Cost？决定保险费的因素 335

Section F—The Pay Out赔付 336

Section G—Words and Expressions术语及解释 337

Section A—Introduction导语 339

Part Ⅳ Personal Property and Liability Insurance个人财产及责任险 339

Section B—Insuring the Building房屋保险 341

Section C—Protecting Yourself Against Liability for Damage Caused to Others第三者损失赔偿责任险 342

Section D—Insuring the Contents（of Your Home）家庭财产保险 343

Section E—What is not Covered？家庭财产保险中不包括的项目 346

Section F—Words and Expressions术语及解释 349

Part Ⅴ Automobile Insurance汽车保险 350

Section A—Types of Automobile Insurance车险的种类 350

Section B—Who Is at Fault？谁承担过失 351

Section C—Protecting Yourself Against Liability for Damage Caused to Others公共责任保险 352

Section D—Covering Medical Costs投保医疗费用 352

Section E—Protecting Your Vehicle车险是汽车的保障 353

Section G—You've Had an Accident,Now What？车险的索赔步骤 354

Section F—Other Kinds of Coverage That Are Readily Available其他种类的车险 354

Section H—How Much Will Auto Insurance Cost？车险的成本 356

Section I—Words and Expressions术语及解释 358

Exercises练习 361

Listening Comprehension Exercises综合听力练习 361

Speaking Exercises对话练习 362

Building Vocabulary Exercises词汇练习 364

Test Your Knowledge知识测试 366

Sample Examination Questions模拟试题 368

Elective Course A Ethics选修内容A　金融职业伦理 371

1．Ethical Behaviour 371

2．Type Ⅰ Ethics 372

4．Politics 373

3．Type Ⅱ Ethics 373

5．Good Ethics Means Good Business 374

6．Ethics and Decision-making 375

Case Study Lincoln Savings and Load Association 387

Questions for Discussion 395

Elective Course B Money Laundering选修内容B　反洗钱 397

1．Money Laundering and Crime 397

2．Benefits of Laundering Money 398

3．Some History 399

4．Money Laundering Schemes 402

5．The Money Laundering Process 406

6．Preventing Money Laundering 408

7．Customer due Diligence—Know Your Customer 411

8．Effects of Money Laundering 412

9．Case Studies 412