1、Financial English任課教師：辛華廣州城建學院經濟系第1頁第1頁SuggestionPreview the text before you come to class. Take notes in class. Review what you have learned after class. 第2頁第2頁教學目掌握專業詞匯英語表示，做到英漢互譯。能看懂普通難度經濟、金融類英語文章。在理解金融背景基礎上，能就熟悉話題進行筆頭或口頭翻譯。第3頁第3頁教材與參考書目 教材：金融專業英語，清華大學出版社，秦定主編。第4頁第4頁參考書目：金融英語（基礎類），清華大學出版社，金融英語教材編

2、寫委員會編寫。當代金融業務，中國金融出版社，金融專業英語證書考試委員會編。第5頁第5頁第6頁第6頁金融英語證書（FECT）考試 金融英語證書考試制度是1994年經中國人民銀行和原國家教委聯合發文同意建立我國第一個國家級行業性外語證書考試制度。自年開始，金融英語證書考試（FECT）共設兩級，分別為FECT綜合考試和FECT高級考試。金融英語證書考試每年進行一次。金融英語證書考試時間為205月22日及23日。 第7頁第7頁1、FECT綜合考試：考試科目：當代金融業務；2、FECT高級考試：（1）FECT高級考試必考科目當代金融理論與實務；（2）FECT高級考試選考科目銀行業務與管理、保險與證券業務

3、，兩科任選一科。 第8頁第8頁網絡資源online resources1、 金融時報2、經濟學人期刊3、 華爾街日報4、商業周刊5、 財富期刊6、 中華人民共和國財政部第9頁第9頁7、 中國人民銀行8、中華人民共和國國際外匯管理局9、 中國證券監督管理委員會10、 中國保險監督管理委員會第10頁第10頁11、 中國銀行監督管理委員會12、 美國聯邦儲備委員會13、 美國財政部14、 世界銀行15、國際貨幣基金組織第11頁第11頁American oil billionaire J. Paul Getty has a very famous saying, that is “ If you ca

4、n actually count your money, then you are not really a rich man.” 第12頁第12頁美國石油大亨J. Paul Getty曾經說過一句話：假如你錢是能夠數得清楚，那么你就不是一個真正富人。第13頁第13頁What is Money ?第14頁第14頁Currency 貨幣Currency （包括硬幣和紙幣） is one type of money. When most people talk about money, they are talking about currency. 第15頁第15頁 check 支票Becaus

5、e checks are also accepted as payment for purchases, checking account deposits are considered money as well. 第16頁第16頁wealth 財富The word money is frequently used synonymously with wealth. e.g. Joe is richhe has a lot of money.第17頁第17頁It means that Joe not only has a lot of currency and a high balance

6、in his checking account but also has stocks, bonds, four cars, three houses, and so on.第18頁第18頁Balance 帳戶存款余額e.g. Could you tell me what my balance is please? 你能告訴我帳戶余額嗎？第19頁第19頁Whats the difference between money and wealth?Wealth includes not only money but also other assets such as bonds, common s

7、tock, art, land, furniture, cars, and houses.第20頁第20頁Income 收入 e.g. Susan has a good job and earns a lot of money.收入是某一單位時間內收益流量， 而貨幣是一個存量， 即某一時間點上一個特定金額。第21頁第21頁If someone tells you that he has an income of $1 000, you can not tell whether he earned a lot or a little without knowing whether this $1

8、 000 is earned per year, per month, or even per day. But if someone tells you that she has $1 000 in her pocket, you know exactly how much this is. 第22頁第22頁Definition of MoneyEconomists define money as anything that is generally accepted in payment for goods or services or in the repayment of debts.

9、貨幣是在支付商品和服務或在歸還債務時被普遍接受任何東西。第23頁第23頁Exercise: Different Types of Money 第24頁第24頁區別下列詞語含義What are the exact meanings of these words in English? Cash, Currency, Salary, Wages, Income, Loan, Pension, Fund, Capital, Installments, Debt, Deposit, Aid. 第25頁第25頁Exercise 1. Money in notes and coins is calleda

10、. cash b. capital c. reservesThe dollar, the mark and the yen are a. currencies b. funds c. salaryMoney borrowed from a bank is aa. deposit b. income c. loana. casha. currenciesc. loan第26頁第26頁ExerciseBorrowed money that has to be paid back constitutes aa. debt b. fund c. incomeAll the money received

11、 by a person or a company is known asa. cash b. income c. wagesa. debtb. income第27頁第27頁The money earned for a weeksmanual work is calledincome b. salary c. wagesThe money paid for a months(professional) work is aa. loan b. salary c. wagesc. wagesb. salary第28頁第28頁Money placed in banks and other savin

12、gs institutions constitutescapital b. deposits c financeMoney paid by the government or a company to a retired person is aa. pension b. income c. loanb. depositsa. pension第29頁第29頁10. The money that will ultimately be used to pay pensions is kept in aa. budget b. deposit c. fund11. The money needed t

13、o start a company is calleda. aid b. capital c. debtc. fundb. capital第30頁第30頁12. The money paid to lawyers, architects, private schools, etc. is calleda. fees b. installments c. wages13. Regular part payments of debts are calleda. deposits b. loans c. installmentsa. feesc. installments第31頁第31頁14. Es

14、timated expenditure and income is written in aa. budget b. reserve c. loan15. Money given to developing countries by richer ones is known asa. aid b. debt c. loana. budgeta. aid第32頁第32頁What is Finance ?Finance is the science of funds management.The field of finance deals with the concepts of time, m

15、oney and risk and how they are interrelated. 第33頁第33頁Lender and borrowerFinance includes saving money and lending money. (P2)An entity whose income exceeds its expenditure can lend or invest the excess income. 第34頁第34頁financial intermediaryA bank (financial intermediary) accepts deposits from lender

16、s, on which it pays the interest. The bank then lends these deposits to borrowers. 第35頁第35頁BudgetFinance also deals with how money is spent and budgeted. (P5)Budget is an estimation of the revenue and expenses over a specified future period of time. 第36頁第36頁Finance is used by individuals (personal f

17、inance), by governments (public finance), by business (corporate finance).第37頁第37頁Personal finance(P3)Components of personal finance might include checking and savings accounts, credit cards and consumer loans, investments in the stock market, retirement plans, social security benefits, insurance po

18、licies, and income tax management.第38頁第38頁Bequest遺產、遺贈He left a bequest to each of his grandchildren. 他給他孫子孫女每人留下一筆遺產。第39頁第39頁Inheritance1. 遺產繼承 She spent all her inheritance in a year. The title passes by inheritance to the eldest son. 2. 遺傳特性Physical characteristics are determined by genetic inher

19、itance.她在一年之內用完了所有繼承遺產。這一頭銜按世襲傳給長子。身體特性取決于基因遺傳。第40頁第40頁Credit名詞1、賒購；賒欠 We bought the dishwasher on credit. Your credit limit is now .我們賒購了一臺洗碗機。 你信用額度現在為英鎊。 第41頁第41頁Credit2、（從銀行借）借款；貸款 The bank refused further credit to the company. 3、（借錢歸還）信譽，信用Her credit isnt good anywhere now. 銀行回絕再給那家公司提供貸款。她借錢不

20、還，弄得聲名狼藉。第42頁第42頁Credit動詞:（給銀行賬戶）存入金額；把記入貸方；貸記（銀行賬戶） Your account has been credited with $50000.$50000 has been credited to your account.已把5萬元存入你賬戶。 第43頁第43頁Corporate finance (P3)Managerial or corporate finance is the task of providing the funds for a corporations activities. It generally involves balancing risk and profitability, while attempting to maximize an entitys wealth and the value of its stock.第44頁第44頁Video Stay budget-wise 第45頁第45頁作 業P6 英譯中Cash Budget前五段。第46頁第46頁Review 復習Person