本教材基于金融业发展的需求编写,立足于培养“通金融、懂外语”的复合型专业人才的目标设计内容,注重理论联系实际,围绕提高金融类专业学生和金融从业者的金融英语水平与适应国际金融发展的新形势选取教学素材。教材致力于帮助学习者了解各类金融业务的基本内容和处理程序,提高金融英语的阅读和理解能力、金融专业英语文章的撰写能力,以及金融英语的会话沟通能力等。本教材分为八个教学单元,主要内容包括货币、信用和利率,**银行,商业银行,投资银行,保险,金融衍生品,外汇市场以及互联网等金融。教材精心选取国内外金融专业英文文献作为课文,附有词汇表和专业术语的注释,并配有适量的练习题和拓展阅读材料供学习者练习和自学使用。

Unit 1 Money, Credit and Interest Rates 货币、信用和利率
学习目标:
了解货币的演进,信用的形式,货币与经济的重要关系
熟悉货币的功能,货币供给的内涵,基准利率的含义
掌握货币、利息和利率的概念,利率的种类,基础信用工具的类型

Section A Money and Money Supply 货币与货币供给
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 货币的功能
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

Unit 1 Money, Credit and Interest Rates 货币、信用和利率 Section A Money and Money Supply 货币与货币供给 Section B Credit 信用 Section C Interest Rates 利息和利率 Unit 2 The Central Bank **银行 Section A Overview of Central Banks**银行概述 Section B Some Major Central Banks 一些主要的**银行 Unit 3 Commercial Banks 商业银行 Section A Overview of Commercial Banks商业银行概述 Section B Personal Banking个人银行业务 Section C Corporate Banking 公司银行业务 Section D Bank Risk Management 银行风险管理 Unit 4 Investment Banks 投资银行 Section A Overview of Investment Banks 投资银行概览 Section B Securities 证券 Section C Stock Market 证券交易所 Section D Securities Regulation 证券监管 Unit 5 Insurance 保险 Section A Overview of Insurance保险概述 Section B Types of Insurance 保险的种类 Unit 6 Derivatives金融衍生品 Section A Overview of Derivatives 金融衍生品概述 Section B Options 期权 Section C Futures and Forwards期货和远期 Unit 7 Foreign Exchange Market 外汇市场 Section A Foreign Exchange and Exchange Rates 外汇和汇率 Section B Foreign exchange Services of Commercial Banks 商业银行的外汇业务 Unit 8 Internet Finance 互联网金融 Section A Overview of Internet Finance互联网金融概述 Section B Models of Internet Finance 互联网金融模式 参考文献