演講人：日期：金融英語聽說目錄BasicConceptsandVocabularyofFinancialEnglishBankingbusinessprocessesandoperationalstandardsPopularizationofinvestmentandfinancialmanagementknowledgeandsharingofskillsKeypointsandprecautionsforpurchasinginsuranceproducts目錄PopularizationofBasicKnowledgeofForeignExchangeTrading01BasicConceptsandVocabularyofFinancialEnglishStocks:RepresentativeownershipinacompanyandentityshareholderstodividendsandvotingrightsMutualFunds:Investmentvehiclesthatpoolmoneyfrommanyinvestorstopurchaseaportfolioofstocks,bonds,orothersecuritiesExchangeTradedFunds(ETFs):Tradedonstockexchanges,ETFstrackanindex,commodity,orbasketofassets,offeringdiversificationandlowcostsBonds:Debtsecuritiesissuedbygovernmentsorcorporationstoraisefunds,withfixedinterestpaymentsandamaturitydateCommonTerminologyinFinancialMarketsBanksProvidearangeoffinancialservices,includingdeposits,loans,andinvestmentproducts,andfacilitypaymentsbetweenpartiesInvestmentBanksSpecializeinraisingcapitalandprovidingfinancialadviceforcorporateclients,ofteninvolvedinmergersandacquisitionsInsuranceCompaniesOfferprotectionagainstfinanciallossesbyprovidingpoliciesthatcoverriskssuchaspropertydamage,illness,ordeathPensionFundsManagedbyprofessionalinvestorstoprovideretentionincomeforemployees,pensionfundsinvestinadiverserangeofassetsIntroductiontoFinancialInstitutionsandTheirFunctionsForeignExchangeTheconversionofonecurrencyintoanotheratanagreedexchangerate,essentialforinternationaltradeandinvestmentLoansProvidedbybanksandotherfinancialinstitutionstoindividualsorbusinessestofinancepurchasesorinvestmentsMortgagesLoanssecuredagainstproperty,typicallyusedtopurchaserealestatewithregularpaymentsoveralongtermCreditCardsAllowconsumerstoborrowmoneyuptoacertainlimittomakepurchaseswithpaymentsmadeovertimeOverviewofFinancialProductsandServicesInternationalTradeandFinancialRelationsBalanceofPaymentsArecordofalleconomictransactionsbetweenacountryandtherestoftheworld,includingexports,imports,andfinancialflowsExchangeRatesThevalueofonecurrencyrelatedtoanother,determinedbysupplyanddemandintheforeignexchangemarketInternationalMonetaryFund(IMF)Anorganizationthatpromotesinternationalmonetarycooperation,stability,andeconomicgrowthbyprovidingpolicyadviceandfinancialassistancetomembercountriesWorldBankProvidesloansandgrantstodevelopingcountriesforcapitalprojectssuchasinfrastructuredevelopment,health,andeducationInternationalTradeandFinancialRelations02BankingbusinessprocessesandoperationalstandardsValididentitydocument:Passport,IDcard,ordriver'slicenseCompletingtheaccountopeningformwithaccurateandcompleteinformationAccountopeningprocessandrequireddocumentsProofofaddress:UtilitybillorbankstatementCompletingwithKnowYourCustomer(KYC)andAntiMoneyLaunching(AML)regulations02030401DepositBusinessProcessingProcessAcceptingcashorcheckdepositsfromcustomersVerifyingtheauthenticityandaccuracyofthedepositIssuingadepositreceiptorupdatingtheaccountbalanceEnsuringcompliancewithbankingregulationsandinternalpoliciesLoanapplicationconditionsandapprovalprocessAssessingthecreditworthinessoftheapplicationthroughcreditscoringorothermeansVerifyingtheaccuracyandcompletenessoftheloanapplicationandsupportingdocumentsEvaluatingtheabilityoftheapplicationtorepaytheloanbasedonincomeandexpensesApprovingordenyingtheloanapplicationbasedontheassessmentandevaluationresultsCrossborderreminderandsettlementmethodsTelegraphicTransfer(TT)AnelectronicmethodoftransferringfundsbetweenbanksSWIFTAsecuremessagingsystemusedbybanksforinternationaltransactionsLettersofCredit(LC)AguaranteefromabankthatpaymentwillbemadetotheselleroncethetermsofthesalescontracthavebeenmetEscrowaccountsAthirdpartyaccountusedtoholdfundsuntilthetransactioniscompleted03PopularizationofinvestmentandfinancialmanagementknowledgeandsharingofskillsStocksRepresentativeownershipinacompanyandentityinvestorstoshareinitsprofitsandlossesBondsAredebtsecuritiesthatreportaloanmadebyaninvestortoaborrower,typicallycorporateorgovernmentalMutualfundsAreinvestmentvehiclesthatpoolmoneyfrommanyinvestorstopurchasesecuritiessuchasstocks,bonds,andotherassetsExchangetradedfunds(ETFs)AresimilartomutualfundsbuttradelikestocksonanexchangeIntroductiontoinvestmentproductssuchasstocksandbondsRiskassessment01InvolvesidentifyingandanalyzingpotentialrisksthatcouldimpactaninvestmentportfolioAssetallocation02Referstotheprocessofdividinganinvestmentportfolioamongdifferentassetclasses,suchasstocks,bonds,andcash,tobalanceriskandreturnDiversion03Isariskmanagementtechniquethatinvolvesspreadinginvestmentsacrossvariousassetclasses,industries,andgeographicregionsRiskassessmentandassetallocationstrategyGoalsettingIdentifyspecificfinancialgoals,suchassavingforretentionorachild'seducationBudgetingDevelopaplantoallocateincomerewardssavings,investments,andexpensesCaseanalysisExaminereallifeexamplesofsuccessfulandunsuccessfulfinancialplanningstrategiestolearnfromothers'experiencesFinancialplanningsuggestionsandcaseanalysisIdentificationandpreventionmethodsofinvestmenttrapsPonzischemesArefraudulentinvestmentoperationsthatpayreturnstoinvestorsfromtheirownmoneyorthemoneypaidbysubsequenceinvestorsPumpanddumpschemesInvolveartificiallyinflatingthepriceofasecuritythroughfalseandmissingstatements,thensellingitatahigherpriceAffinityfraudTargetsmembersofaparticulargroup,suchasarelativeorethicalcommunity,byexploringtheirtrustandsenseofbelongingPreventionmethodsIncludeconductingthroughresearchoninvestmentopportunities,seekingindependentadvice,andavoidinginvestmentsthatpromiseunusuallyhighreturnswithlittleornoriskIdentificationandpreventionmethodsofinvestmenttraps04KeypointsandprecautionsforpurchasinginsuranceproductsIntroductiontothefunctionsofvariousinsuranceproductsLifeinsuranceHealthinsurancePropertyinsuranceLiabilityinsuranceProvidesfinancialprotectionforbenefitsintheeventoftheinsured'sdeathCoversmedicalexpensesincurredduetoillnessorinjuryProtectsagainstlossordamagetopersonalproperty,suchashomes,cars,andvaluesCoverslegalliabilitiesarisingfromaccidentsorcohesionNeedsassessmentDeterminethetypesandamountsofinsurancerequiredbasedonpersonalcirculationsEnsurethatthepremiumisaffordableandsustainableoverthelongtermCarefullyreadandunderstandthepolicydocumenttoavoidmisunderstandingsChooseareproducibleinsurancecompanywithgoodfinancialstandingPremiumaffordabilityPolicytermsandconditionsCompanyreportingandsolvencyFactorstoconsiderwhenmakingapurchaseCompletetheapplicationformandprovidenecessarydocumentssuchasproofofidentityandincomeApplicationprocessTheinsurancecompanyassessestheriskanddecisionswhichtoaccepttheapplicationandatwhatpremiumUnderwritingprocessIntheeventofaloss,notifytheinsurancecompanypromptlyandprovidetherequireddocumentsandinformationtoinitiatetheclaimprocessClaimproceduresInsuranceprocessandclaimproceduresEnsurethatallinformationprovidedtotheinsurancecompanyisaccurateandcompletetoavoidmisunderstandingsClearcommunicationChooseinsuranceproductsthatcompleteeachothertoprovidecomprehensivecoveragewithoutoverlapReasonablecombinationsPeriodicallyreviewinsurancepoliciestoensuretheystillmeetchangingneedsandcircumstancesRegularreviewSeekprofessionaladvicefrominsurancebrokersoragentstohelpunderstandcomplexproductsandmakeinformeddecisionsProfessionaladviceAvoidingmisunderstandingsandensuringreasonablecombinations05PopularizationofBasicKnowledgeofForeignExchangeTrading要點三ForeignexchangemarketstructureIntroductiontotheglobalforeignexchangemarket,includingitssize,participants,andmajortradingcenters0102TypesofparticipantsOverviewofthedifferenttypesofparticipantsintheforeignexchangemarket,suchascentralbanks,commercialbanks,investmentbanks,hedgefunds,andretailinvestorsCurrencypairsExplanationofcurrencypairsandhowtheyarequotedintheforeignexchangemarket03OverviewofForeignExchangeMarketandParticipantsEconomicfactorsAnalysisofhoweconomicindicators,suchasinflation,interestrates,andGDP,effectiveexchangeratesPoliticalandgeopoliticalfactorsDiscussionofhowpoliticaleventsandgeopoliticaltensionscanaffectcurrentvaluesMarketsentimentandspecificationExaminationofhowmarketsentimentandspecificationcandriveexchanger