金融英语2025|PDF|Epub|mobi|kindle电子书版本百度云盘下载

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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 Behaviour371

2．Type Ⅰ Ethics372

4．Politics373

3．Type Ⅱ Ethics373

5．Good Ethics Means Good Business374

6．Ethics and Decision-making375

Case Study Lincoln Savings and Load Association387

Questions for Discussion395

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

1．Money Laundering and Crime397

2．Benefits of Laundering Money398

3．Some History399

4．Money Laundering Schemes402

5．The Money Laundering Process406

6．Preventing Money Laundering408

7．Customer due Diligence—Know Your Customer411

8．Effects of Money Laundering412

9．Case Studies412