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金融英語(新編21世紀高等職業教育精品教材·金融類) 版權信息
- ISBN：9787300301587
- 條形碼：9787300301587 ; 978-7-300-30158-7
- 裝幀：一般膠版紙
- 冊數：暫無
- 重量：暫無
- 所屬分類：>
金融英語(新編21世紀高等職業教育精品教材·金融類) 內容簡介
本教材基于金融業發展的需求編寫，立足于培養“通金融、懂外語”的復合型專業人才的目標設計內容，注重理論聯系實際，圍繞提高金融類專業學生和金融從業者的金融英語水平與適應靠前金融發展的新形勢選取教學素材。教材致力于幫助學習者了解各類金融業務的基本內容和處理程序，提高金融英語的閱讀和理解能力、金融專業英語文章的撰寫能力，以及金融英語的會話溝通能力等。本教材分為八個教學單元，主要內容包括貨幣、信用和利率，中央銀行，商業銀行，投資銀行，保險，金融衍生品，外匯市場以及互聯網等金融。教材精心選取國內外金融專業英文文獻作為課文，附有詞匯表和專業術語的注釋，并配有適量的練習題和拓展閱讀材料供學習者練習和自學使用。
金融英語(新編21世紀高等職業教育精品教材·金融類) 目錄
Unit 1 Money， Credit and Interest Rates 貨幣、信用和利率
Section A Money and Money Supply 貨幣與貨幣供給
Section B Credit 信用
Section C Interest Rates 利息和利率
Unit 2 The Central Bank 中央銀行
Section A Overview of Central Banks中央銀行概述
Section B Some Major Central Banks 一些主要的中央銀行
Unit 3 Commercial Banks 商業銀行
Section A Overview of Commercial Banks商業銀行概述
Section B Personal Banking個人銀行業務
Section C Corporate Banking 公司銀行業務
Section D Bank Risk Management 銀行風險管理
Unit 4 Investment Banks 投資銀行
Section A Overview of Investment Banks 投資銀行概覽
Section B Securities 證券
Section C Stock Market 證券交易所
Section D Securities Regulation 證券監管
Unit 5 Insurance 保險
Section A Overview of Insurance保險概述
Section B Types of Insurance 保險的種類
Unit 6 Derivatives金融衍生品
Section A Overview of Derivatives 金融衍生品概述
Section B Options 期權
Section C Futures and Forwards期貨和遠期
Unit 7 Foreign Exchange Market 外匯市場
Section A Foreign Exchange and Exchange Rates 外匯和匯率
Section B Foreign exchange Services of Commercial Banks 商業銀行的外匯業務
Unit 8 Internet Finance 互聯網金融
Section A Overview of Internet Finance互聯網金融概述
Section B Models of Internet Finance 互聯網金融模式
參考文獻
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金融英語(新編21世紀高等職業教育精品教材·金融類) 節選
Unit 1 Money, Credit and Interest Rates 貨幣、信用和利率 學習目標： 了解貨幣的演進，信用的形式，貨幣與經濟的重要關系 熟悉貨幣的功能，貨幣供給的內涵，基準利率的含義 掌握貨幣、利息和利率的概念，利率的種類，基礎信用工具的類型Section A Money and Money Supply 貨幣與貨幣供給 Money is defined as anything that is generally accepted in payment for goods or services or in the repayment of debt. With this definition mentioned, currency, including bank notes and coins, will easily come into people’s mind because it clearly fits this definition. But to define money merely as currency is much too narrow because practically all payments are made not only by the exchange of currency but also by the transfer of deposit balance via checks or electronic transfer. So checking account deposits are considered money as well. Therefore an even broader definition of money is often needed because other items such as savings deposits and time deposits can in effect function as money. As we go on our exploration in finance, we’ll see more components in money. Text 1 Functions of Money 貨幣的功能 Money is often defined in terms of the three functions or services that it provides. Money serves as a medium of exchange, as a store of value, and as a unit of account. 1. Medium of Exchange Money’s most important function is as a medium of exchange to facilitate transactions. Without money, all transactions would have to be conducted by barter, which involves direct exchange of one good or service for another. The difficulty with a barter system is that in order to obtain a particular good or service from a supplier, one has to possess a good or service of equal value, which the supplier also desires. In other words, in a barter system, exchange can take place only if there is a double coincidence of wants between two transacting parties. The likelihood of a double coincidence of wants, however, is small and makes the exchange of goods and services rather difficult. Money effectively eliminates the double coincidence of wants problem by serving as a medium of exchange that is accepted in all transactions, by all parties, regardless of whether they desire each others’ goods and services. For a commodity to function effectively as money, it has to meet several criteria: (1) It must be easily standardized, making it simple to ascertain its value; (2) It must be widely accepted; (3) It must be divisible, so that it is easy to “make change”; (4) It must be easy to carry; and (5) it must not deteriorate quickly. Forms of money that have satisfied these criteria have taken many unusual forms throughout human history, ranging from wampum (strings of beads) used by Native Americans, to tobacco and whiskey, used by the early American colonists, to cigarettes, used in prisoner-of-war camps during World War II. The diversity of forms of money that have been developed over the years is as much a testament to the inventiveness of the human race as the development of tools and language. 2. Store of Value In order to be a medium of exchange, money must hold its value over time; that is, it must be a store of value. If money could not be stored for some period of time and still remain valuable in exchange, it would not solve the double coincidence of wants problem and therefore would not be adopted as a medium of exchange. As a store of value, money is not unique; many other stores of value exist, such as land, works of art, and even baseball cards and stamps. Money may not even be the best store of value because it depreciates with inflation. However, money is more liquid than most other stores of value because as a medium of exchange, it is readily accepted everywhere. Furthermore, money is an easily transported store of value that is available in a number of convenient denominations. 3. Unit of Account Money also functions as a unit of account or standard of value, providing a common measure of the value of goods and services being exchanged. Knowing the value or price of a good, in terms of money, enables both the supplier and the purchaser of the good to make decisions about how much of the good to supply and how much of the good to purchase. Just as we measure weight in terms of pounds or distance in terms of miles, we measure the value of goods and services in terms of money. The value of a unit of money is determined by the prices of each and every thing―more accurately, the average level of all prices. If prices go up, a unit of money―a dollar―is worth less because it will buy less; if prices go down a dollar is worth more because it will buy more. Thus the value of money varies inversely with the price level. We can see that using money as a unit of account reduces transaction costs in an economy by reducing the number of prices that need to be considered. The benefits of this function of money grow as the economy becomes more complex
金融英語(新編21世紀高等職業教育精品教材·金融類) 作者簡介
楊琰，江蘇經貿職業技術學院金融學院教師，主要講授課程包括《金融英語》《商業銀行綜合柜臺業務》等，長期工作在教學一線，教學經驗豐富，主持江蘇省高校哲學社會科學研究基金項目“普惠金融框架下金融公正與女性金融賦權研究”，江蘇省高等職業教育研究會課題“高職院校財經專業課程體系、教學內容改革和整體優化研究”，主持校級精品課程“商業銀行柜臺業務操作”“國際商務結算”和“證券投資分析”。
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