金融专业英语教学课件.ppt(纯ppt,可能不含音视频素材文件)
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1、金融专业英语知识金融专业英语知识及词汇及词汇 2022-12-19Chen Jianhui24 Part 1:Interest rate4 purchasing-power 购买力4 depreciation 折旧4 rental fee:租金4 market rental fee 市场租金4 real rental fee 实际租金4 liquidity:流动资金4 credit:贷款,信贷 2022-12-19Chen Jianhui3 IOU=I Owe You 借据 Stipulate 规定,确定 bond 债券 terms of the agreement 合约条款 periodic
2、 cash interest payments 定期现金支付利息 a firm commitment to pay 明确的支付承诺2022-12-19Chen Jianhui4Turn the following into Chinese:rental feemarket raterental contractreal rental feemarket valuerental price租赁金市场利率租赁合同实际租金市场价值租赁价格2022-12-19Chen Jianhui5inflationcompensatestipulaterepaymentcommitmentmonetary ter
3、ms通货膨胀补偿规定偿还承诺,债务货币单位2022-12-19Chen Jianhui6Part 2:the Fractional Reserve 4fractional reserve (部分准备金)指银行只需保有其存款负债的某一比例作为准备的规定。这是中央银行为保护存款人的权利所要求的规定,以避免银行信用过度扩张,引起流动性不足,损害存款人的权益。4reserve 准备金,储备金 指银行为预防万一而提存的准备基金。准备金分发行准备金和存款准备金。2022-12-19Chen Jianhui7Some banks may pay no interest or only a minimal r
4、ate of interest on deposits.2022-12-19Chen Jianhui8Banks may lend more money than they have on deposit,just as traders used to do when they issued more receipts for coins than they had in safekeeping.2022-12-19Chen Jianhui9Strictly enforced government regulations control how many of the deposited do
5、llars must be held in reserve to support loans.Loans made against this fractional reserve are a key factor in banking and current fractional reserve deposit money expansion activities.fractional reserve deposit money expansion activities 部分准备金存款扩张业务a2022-12-19Chen Jianhui10Lets assume the fractional
6、 reserve ratio is 12 percent.Thus,when you deposit$1,000 in your local bank,it may immediately set aside$120 as a reserve.4set aside:save or keep for 留出,拨出e.g.I set aside some money every month to buy a car.fractional reserve ratio 部分准备金比率 西方国家的中央银行规定商业银行缴存准备金占自身吸收存款的比率。其公式如下:准备金比率缴存法定准备金额存款余额100%20
7、22-12-19Chen Jianhui11The bank deposits the reserve in the Federal Reserve Bank or branch that services your geographical area of the United States.After setting aside the$120 reserve,your bank is free to loan out$880.Another bank customer comes to borrow the$880 and deposits the money with the bank
8、.2022-12-19Chen Jianhui12Note that the money supply has increased by$880,as your$1,000 remains on deposit and the bank has lent 880 new dollars to another client.After deducting 12 percent of$880($105.60)as a reserve,the bank loans out the remainder or$774.40 to a third client.money supply 货币供应量 指某一
9、时期一国经济中流通的货币量。是各国中央银行(或国家银行)编制和公布的主要经济统计指标之一。货币供应量的现实水平是一国货币政策调节的对象;预测货币供应量的增长、变动情况,则是一国制定货币政策的依据。根据货币内涵的不同,货币供应量指标有M1、M2、M3、M4和M5之分。2022-12-19Chen Jianhui13Again the money supply rises.If this process continues to its limit,a total of$8,333.33 circulates in the system.After deducting your original$
10、1,000 deposit,$7,333.33 of new money is being used in the community and represents a net increase in the money supply.2022-12-19Chen Jianhui14A simple way to calculate the maximum possible expansion with a 12 percent reserve requirement is to divide your original$1,000 by 0.12(percentage of deposit
11、to be set aside in reserve),which equals$8,333.33.What happens if the Fed wishes to rein in the money supply by increasing reserve requirements?reserve requirements 准备金要求量,法定存款准备金规定 在美国,银行法规定商业银行须将其部分存款另外保管,作为对存款的准备金。联邦储备委员会董事会有权在法律规定的限度内提高或降低对成员银行准备金的要求。准备金条件起着控制贷款的作用(降低准备金要求,就可允许银行更多地借出款项;如提高要求,贷款
12、额就会减少)。2022-12-19Chen Jianhui15Part 3:The Three Ms The Federal Reserve System tracks three measures of the money supply and reports on them weekly.The three measures are conveniently labeled M1,M2,and M3.2022-12-19Chen Jianhui16the three Ms 指M1,M2,M3,三种货币供应量。M1是狭义的货币。在美国指商业银行以外的市面上流通的通货,商业银行中以支票存取的活
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