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

2、寫委員會(huì)編寫。當(dāng)代金融業(yè)務(wù)，中國(guó)金融出版社，金融專業(yè)英語(yǔ)證書考試委員會(huì)編。第5頁(yè)第5頁(yè)第6頁(yè)第6頁(yè)金融英語(yǔ)證書（FECT）考試 金融英語(yǔ)證書考試制度是1994年經(jīng)中國(guó)人民銀行和原國(guó)家教委聯(lián)合發(fā)文同意建立我國(guó)第一個(gè)國(guó)家級(jí)行業(yè)性外語(yǔ)證書考試制度。自年開始，金融英語(yǔ)證書考試（FECT）共設(shè)兩級(jí)，分別為FECT綜合考試和FECT高級(jí)考試。金融英語(yǔ)證書考試每年進(jìn)行一次。金融英語(yǔ)證書考試時(shí)間為205月22日及23日。 第7頁(yè)第7頁(yè)1、FECT綜合考試：考試科目：當(dāng)代金融業(yè)務(wù)；2、FECT高級(jí)考試：（1）FECT高級(jí)考試必考科目當(dāng)代金融理論與實(shí)務(wù)；（2）FECT高級(jí)考試選考科目銀行業(yè)務(wù)與管理、保險(xiǎn)與證券業(yè)務(wù)

3、，兩科任選一科。 第8頁(yè)第8頁(yè)網(wǎng)絡(luò)資源online resources1、 金融時(shí)報(bào)2、經(jīng)濟(jì)學(xué)人期刊3、 華爾街日?qǐng)?bào)4、商業(yè)周刊5、 財(cái)富期刊6、 中華人民共和國(guó)財(cái)政部第9頁(yè)第9頁(yè)7、 中國(guó)人民銀行8、中華人民共和國(guó)國(guó)際外匯管理局9、 中國(guó)證券監(jiān)督管理委員會(huì)10、 中國(guó)保險(xiǎn)監(jiān)督管理委員會(huì)第10頁(yè)第10頁(yè)11、 中國(guó)銀行監(jiān)督管理委員會(huì)12、 美國(guó)聯(lián)邦儲(chǔ)備委員會(huì)13、 美國(guó)財(cái)政部14、 世界銀行15、國(guó)際貨幣基金組織第11頁(yè)第11頁(yè)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(yè)第12頁(yè)美國(guó)石油大亨J. Paul Getty曾經(jīng)說過一句話：假如你錢是能夠數(shù)得清楚，那么你就不是一個(gè)真正富人。第13頁(yè)第13頁(yè)What is Money ?第14頁(yè)第14頁(yè)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(yè)第15頁(yè) 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(yè)第16頁(yè)wealth 財(cái)富The word money is frequently used synonymously with wealth. e.g. Joe is richhe has a lot of money.第17頁(yè)第17頁(yè)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(yè)第18頁(yè)Balance 帳戶存款余額e.g. Could you tell me what my balance is please? 你能告訴我?guī)粲囝~嗎？第19頁(yè)第19頁(yè)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(yè)第20頁(yè)Income 收入 e.g. Susan has a good job and earns a lot of money.收入是某一單位時(shí)間內(nèi)收益流量， 而貨幣是一個(gè)存量， 即某一時(shí)間點(diǎn)上一個(gè)特定金額。第21頁(yè)第21頁(yè)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(yè)第22頁(yè)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(wù)或在歸還債務(wù)時(shí)被普遍接受任何東西。第23頁(yè)第23頁(yè)Exercise: Different Types of Money 第24頁(yè)第24頁(yè)區(qū)別下列詞語(yǔ)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(yè)第25頁(yè)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(yè)第26頁(yè)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(yè)第27頁(yè)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(yè)第28頁(yè)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(yè)第29頁(yè)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(yè)第30頁(yè)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(yè)第31頁(yè)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(yè)第32頁(yè)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(yè)第33頁(yè)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(yè)第34頁(yè)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(yè)第35頁(yè)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(yè)第36頁(yè)Finance is used by individuals (personal f

17、inance), by governments (public finance), by business (corporate finance).第37頁(yè)第37頁(yè)P(yáng)ersonal 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(yè)第38頁(yè)Bequest遺產(chǎn)、遺贈(zèng)He left a bequest to each of his grandchildren. 他給他孫子孫女每人留下一筆遺產(chǎn)。第39頁(yè)第39頁(yè)Inheritance1. 遺產(chǎn)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(nèi)用完了所有繼承遺產(chǎn)。這一頭銜按世襲傳給長(zhǎng)子。身體特性取決于基因遺傳。第40頁(yè)第40頁(yè)Credit名詞1、賒購(gòu)；賒欠 We bought the dishwasher on credit. Your credit limit is now .我們賒購(gòu)了一臺(tái)洗碗機(jī)。 你信用額度現(xiàn)在為英鎊。 第41頁(yè)第41頁(yè)Credit2、（從銀行借）借款；貸款 The bank refused further credit to the company. 3、（借錢歸還）信譽(yù)，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(yè)第42頁(yè)Credit動(dòng)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(wàn)元存入你賬戶。 第43頁(yè)第43頁(yè)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(yè)第44頁(yè)Video Stay budget-wise 第45頁(yè)第45頁(yè)作 業(yè)P6 英譯中Cash Budget前五段。第46頁(yè)第46頁(yè)Review 復(fù)習(xí)Person