商業(yè)銀行實用英語

前言

　　30年波瀾壯闊的改革開放，中國社會各個領(lǐng)域都發(fā)生了翻天覆地的巨變，中華民族的偉大復(fù)興令全世界喝彩。眾所周知，隨著經(jīng)濟的高速增長，金融業(yè)已經(jīng)成為我國增長最快的產(chǎn)業(yè)之一，目前已基本形成與建設(shè)社會主義市場經(jīng)濟體系相適應(yīng)的，以銀行、證券、保險、信托為四大支柱，其他金融機構(gòu)為補充的金融體系。近年來，國有商業(yè)銀行加快了股份制改造和上市的步伐，穩(wěn)步推進公司治理結(jié)構(gòu)改革，特別是2008年，在國際政治動蕩、經(jīng)濟衰退、部分金融機構(gòu)折戟沉沙之際，中國銀行業(yè)金融機構(gòu)表現(xiàn)出穩(wěn)健的抵御風險能力、可觀的盈利能力和不凡的國際競爭力?！　≡跇I(yè)績增長的同時，我們也逐步深化了對金融發(fā)展規(guī)律的認識，積累了從國情行情出發(fā)建設(shè)現(xiàn)代金融企業(yè)的寶貴經(jīng)驗，這就是：只有堅持科學發(fā)展觀，牢牢把握“以人為本”的核心理念，正確處理金融與經(jīng)濟的關(guān)系，正確處理金融創(chuàng)新與金融監(jiān)管的關(guān)系，把轉(zhuǎn)變發(fā)展方式作為可持續(xù)發(fā)展的根本途徑；堅持把完善治理和加強管理作為實現(xiàn)健康發(fā)展的基礎(chǔ)工程；堅持把加強黨的建設(shè)和員工隊伍建設(shè)作為改革發(fā)展順利進行的重要保障，才能全面提升中國銀行業(yè)的競爭發(fā)展能力?！　°y行業(yè)的競爭，其根本是人才的競爭，作為“人才興行”戰(zhàn)略的邏輯起點應(yīng)該是“行興人才”。經(jīng)過改革開放的錘煉，特別是中國加入世界貿(mào)易組織以來，隨著金融全球化進程的加劇，一支金融業(yè)務(wù)熟練、管理經(jīng)驗豐富、職業(yè)道德良好的人才隊伍得到了鍛煉和培養(yǎng)。從目前我國銀行業(yè)整體狀況來看，各家商業(yè)銀行不乏高學歷的員工，但較為短缺的是與時俱進的金融新知識、新理念和新技能。我們采取引進人才和培養(yǎng)人才雙管齊下的措施，盡快建立適合國情的各級經(jīng)營管理人才和技術(shù)骨干，這樣才有助于金融人才隊伍的健康發(fā)展。

內(nèi)容概要

為適應(yīng)金融業(yè)改革發(fā)展和擴大對外開放的需要，加快我國金融業(yè)與國際接軌的步伐，促進金融從業(yè)人員英語素質(zhì)的全面提高，在精心策劃與調(diào)研的基礎(chǔ)上，我們編寫了《商業(yè)銀行實用英語》一書。全書共分中國銀行業(yè)、個人金融業(yè)務(wù)、公司業(yè)務(wù)、投資銀行業(yè)務(wù)和其他銀行業(yè)務(wù)5個章節(jié)，每一章節(jié)分4個單元，共計20個單元。本教材以金融英語學習與應(yīng)用為目的，課后配有詞匯、聽力、口語練習題，對滿足當前國內(nèi)金融事業(yè)發(fā)展的需求，提高金融從業(yè)人員的英語素質(zhì)，有一定的學習參考作用。

書籍目錄

Chapter One A Profile of Chinese Banking IndustryUnit One Central Bank and It's FunctionUnit Two China's Banking SystemUnit Three Prospects of China's Banking SectorUnit Four Banking SupervisionChapter Two Retail BankingUnit Five Savings BusinessUnit Six Personal LoanUnit Seven Foreign CurrencyUnit Eight Bank CardsChapter Three Corporate BankingUnit Nine Commercial LoansUnit Ten Bill BusinessUnit Eleven International SettlementUnit Twelve Trade FinanceChapter Four Investment BankingUnit Thirteen Financial MarketUnit Fourteen Debt and Equity SecuritiesUnit Fifteen Investment BankingUnit Sixteen DerivativesChapter Five Other Banking ServicesUnit Seventeen Insurance AgencyUnit Eighteen LeasingUnit Nineteen E-bankingUnit Twenty Wealth Management練習答案錄音文字References

章節(jié)摘錄

　　When used wisely, derivatives can form a very important part of an effective risk management strategy, protecting profits and minimizing losses. Certain derivatives are somewhat like insurance. You may pay an insurance company a premium in order to obtain some protection against financial loss from a specific event such as a fire or accident, there are derivative products that have a pay off that depends on some event occurring. To obtain this right or benefit you must pay a premium in advance,　　Options are available on a wide variety of financial instruments: common stocks （equity options）, foreign currencies, commodities such as gold, orange juice, pork bellies, wheat, oil as well as stock, bond and economic indices and even the weather. Options can be related to the current or spot price of the underlying or they can be related to the price of the underlying for delivery at some point in the future.　　As is the case with all derivatives, options are binding contracts with strictly defined terms, rights, benefits, obligations and time frames. The buyer of option pays a premium to the seller in exchange for the rights and benefit; he does not have to exercise those rights if it is not advantageous to do so. If the buyer does not exercise the rights on or before the last day of the option contract, the contract ends and has no further force or effect, the buyer loses the premium that he or she has paid to seller, but that is the maximum loss that will be incurred by a buyer. The premium paid for an option is regarded as a "sunk cost". It is important to remember that the option seller keeps the premium whether or not the option is exercised.　　Equity options are financial instruments, contracts, which give holders the right to buy or sell common or preferred shares of publicly traded companies. Equity options are traded on securities exchanges rather than over-the-counter and as such have standardized terms.　　To the buyer or holder, an equity call option normally represents the right to buy 100 shares of underlying stocks. An equity put option normally represents the right to sell 100 shares of underlying stock. The seller of an option is obligated to perform according to the terms of the options contract : buying or selling the stock at the contracted price, the strike price, if the option is exercised by the holder.

編輯推薦

　　只有堅持科學發(fā)展觀，牢牢把握“以人為本”的核心理念，正確處理金融與經(jīng)濟的關(guān)系，正確處理金融創(chuàng)新與金融監(jiān)管的關(guān)系，把轉(zhuǎn)變發(fā)展方式作為可持續(xù)發(fā)展的根本途徑；堅持把完善治理和加強管理作為實現(xiàn)健康發(fā)展的基礎(chǔ)工程；堅持把加強黨的建設(shè)和員工隊伍建設(shè)作為改革發(fā)展順利進行的重要保障，才能全面提升中國銀行業(yè)的競爭發(fā)展能力。

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