金融英语复习

它们是银行向借款人发放的贷款，

通过从银行获取信贷资金来作为支付来 源来帮

助他们购买住房。

Housing loans on Authorization

(

信贷资金

)

委托住房贷款

They refer to loans to individuals who buy ordinary houses granted by the bank on

the authorization of the public reserve fund management department, according to

the prescribed requirements, and with the public reserve deposits as the source of

funding.

他们指的是根据 规定的要求，

向购买银行授权的普通住房的个人发放贷款，

并将

公共储备存款作为资金来源。

Combined housing loan

组合贷款

Combined housing loan refers to a loan granted by the bank to the same borrower to

facilitate

the

purchase

of

an

ordinary

house

for

his

or

her

own

use

that

takes

the

public reserve deposit and the credit fund as the sources of funding

联合住房贷款是指 银行向同一借款人发放的一笔贷款，用于购买一套普通住房，

以供其本人使用，并将公共 储蓄存款和信贷资金作为资金来源。

Expected rate of return

预期收益率

The rate of return that we expect to earn when we loan money to someone or invest

in a business or in real estate.

当我们贷款给某人或投资于商业或房地产时，我们期望赚到的回报率。

Rate of return

收益率

The profit on money we invest expressed as a percentage of the amount of money

invested

我们所借或投资的钱的收益或利润，以贷款或投资的金额的百分比表示

Risk

The possibility that

a

loan

or

investment

will not

produce the

return

we

expect or

that

we

will

actually

lose

money.

Risk

is

the

financial

uncertainty

that

the

actual

return

on

an

investment

will

be

different

from the

expected

return .Factors

of risk

that

can

affect

an

investment

include

inflation

or

deflation,

currency

exchange

rates ,liquidity ,default by borrowers and interest rate fluctuation.

贷款或投资不会产生我们预期的回报或我们实际上会赔钱的可能性。

风险是指投

资的实际回报与预期收益不同的金融不确定性，

可能影响投资的 风险因素包括通

货膨胀或通货紧缩、货币汇率、流动性、借款人违约和利率波动。

Banker

’

s acceptances

银行承兑汇票

A draft accepted by a bank and used as a form of borrowing in the money market

银行承兑的汇票，用作货币市场借款的一种形式。

Capital market

资本市场

Markets

for

financial

assets

and

liabilities

with

maturity

greater

than

one

year,

including long-term government and corporate bonds, preferred stock, and common

stock. Money obtained by issuing this type of instrument is repayable after one year

and in the case of most equity securities ,it is not expected to be repaid.

金融资产和负债期限大于一年的市场，

包括长期政府和公司债券、

优先股和普通

股。

发行这类票据所获得的资金，

在一年以后再偿还，

在大 多数股票证券的情况

下，预计不会偿还

Capital Structure

资本结构

The

proportion

of

debt

and

equity

and

the

particular

forms

of

debt

and

equity

chosen to finance the assets of the firm

债务和股票的比例 以及为公司资产提供融资的特定形式的债务和股权。

Default risk

违约风险

The uncertainty that some or all of an investment may nor be returned

一些或全部投资的不确定性可能也不会被归还。

Liquidity

流动性，变现能力

Liquidity

is

the

ease

with

which

financial

assets

can

be

converted

to

cash

without

creating a substancial change in price or value .Liquidity is influenced by the amount

of float in the security, investor interest and size of the investment being converted to

cash

流动性是指金融资产可以轻易地转换为现金，

而不会在价格或价值上产生实质性

的变化。

流动性受到 证券中浮动金额的影响，

投资者的兴趣和投资规模被转换成

现金 。

Private placement

私募配售

A securities issue privately placed with a small group of investors rather than through

a public offering

证券发行

:

由一小群投资者私下发行，而不是通过公开发行。

Preferred shares

优先股

Shares

that

pay

a

fixed

dividend

and

have

a

claim

on

the

assets

of

a

corporation

ahead of the common shareholders

股份支付固定股 利，并在普通股股东之前对公司的资产进行索赔。

Capital gain

资本利得

The amount of profit realized when an asset sold at a price higher than the purchase

price.

当资产以高于购买价的价格卖出时所实现的利润。

Capital loss

资本损失

The amount of profit realized when an asset sold at a price less

than the purchase

price.

当资产以低于购买价的价格出售时所实现的利润。

Discount

贴现（单选）

The margin by which the purchase price is cheaper than the redemption price .If a

bond is selling below its face value ,it is said to sell at a discount.

购买价格低于赎回价格的差额。

如果债券以低于面值的价格出售，

据说它会折价

出售。

Yield

收益率

The return earned on an investment taking into account the annual income and its

present

capital

value .There

are

a

number

of

different

types

of

yield

and

in

some

cases different methods of calculating each type.

一项投资的收益，

考虑到年度收入和目前的资本价值。

有许多不同类型的收益率，

在某些情况下，每种类型的计算方法不同。

Yield to maturity

到期收益率

The discout rate that equates the present value of interest payments and redemption

value with the present price of the bond

将当前的利息支付和赎回价值与债券的现价等价的贴现利率。

Zero coupon bond

零息债券

Bonds that are sold at a deep discount and pay no interest

折价出售的债券，不支付利息。

Registered bonds

记名债券

Bonds for which each issuer maintains a record of its bonds. countries requiring that

bonds be issued in registered form include the United States and Japan

每个发行方保持其债券记录的债券。要求发行债券的国家包括 美国和日本。

Bearer bonds

Common share

不记名债券

Security representing equity ownership in a corporation holders of common shares

have

the

right

to

elect

the

directors

and

receive

dividends;

common

shareholders

rank after creditors, bondholders and preferred shareholders.

代表股 权所有权的证券公司

;

普通股的持有人有权选举董事并获得股息

;

普通股股

东在债权人、债券持有人和 优先股股东之后。

At

the

time

of

account

opening,you

will

be

asked

to

fill

in

a

deposit

slip,and

the

savings

outlet

will

give

you

a

certificate

of

deposit

agaist

which

the

principal

and

interest may be withdrawn at tine of maturity

开户时，

你会被要求填写一张存款 单，

并且储蓄机构会给你一个

存款证明关于本金和利息可以在到 期时收回。

The client needs to countersign(

复签

) the traveler

’

s cheque in the presence of the

paying

cashier

immediately

and

the

countersignature

shall

be

consistent

with

the

initial signature.

客户需要在付款收银员面前立即复签旅行支票

并且复签签名必须与原始签名一