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