金融英語

前言

　　《金融英語》第一版自2005年8月問世以來受到廣泛的好評(píng)，在此向本書的使用者致以衷心的感謝?！　〗陙?，隨著中國(guó)經(jīng)濟(jì)的持續(xù)增長(zhǎng)，金融對(duì)經(jīng)濟(jì)社會(huì)的影響越來越大；而金融發(fā)展的一個(gè)顯著特征就是瞬息萬變，尤其是自2007年以來由美國(guó)次貸危機(jī)引發(fā)的全球性金融危機(jī)，對(duì)包括金融機(jī)構(gòu)、金融市場(chǎng)、金融監(jiān)管在內(nèi)的全球金融業(yè)帶來了劇烈震蕩，也對(duì)整個(gè)世界經(jīng)濟(jì)造成了巨大危害。由此我們感到有必要對(duì)《金融英語》進(jìn)行修訂，更新補(bǔ)充相關(guān)知識(shí)和信息，以保持教材的時(shí)效性。與第一版相比，《金融英語》（第二版）具有以下特點(diǎn)：　　突出時(shí)效性，更新了包括主課文和課后輔助閱讀材料在內(nèi)的大部分課文，最新材料已更新至2009年初；　　詞語搭配（Colloca.tion）并人生詞和短語（ Words and Phrases）；　　主課文后的注釋（Notes）更加詳細(xì)，補(bǔ)充了大量背景材料，便于教師和學(xué)生查閱相關(guān)信息，擴(kuò)展課文內(nèi)容?！　　督鹑谟⒄Z》（第二版）仍分為六部分，共16個(gè)單元，每個(gè)單元由主課文和輔助閱讀材料組成。第一部分是關(guān)于金融體系的綜述，第二部分講銀行業(yè)，第三部分講外匯，第四部分講證券，第五部分講保險(xiǎn)，第六部分講金融衍生品?！　⑴c本次修訂的有河北大學(xué)郭書彩、閆屹、趙雪燕、宋雅楠，沈陽航空工業(yè)學(xué)院安振剛、趙曉玲，中南林業(yè)科技大學(xué)寧鈳，溫州市教育局林揚(yáng)帆等。全書由郭書彩、閆屹負(fù)責(zé)總纂。　　這次再版，我們對(duì)全書進(jìn)行了認(rèn)真校訂，增刪了部分內(nèi)容。但恐書中仍難免疏漏，敬請(qǐng)讀者批評(píng)指正。

內(nèi)容概要

《金融英語》（第二版）分為六部分，共16個(gè)單元，每個(gè)單元由主課文和輔助閱讀材料組成。第一部分是關(guān)于金融體系的綜述，第二部分講銀行業(yè)，第三部分講外匯，第四部分講證券，第五部分講保險(xiǎn)，第六部分講金融衍生品。與第一版相比，《金融英語》（第二版）具有以下特點(diǎn)：突出時(shí)效性，更新了包括主課文和課后輔助閱讀材料在內(nèi)的大部分課文，最新材料已更新至2009年初；詞語搭配（Collocation）并人生詞和短語（Words and Phrases）；主課文后的注釋（Notes）更加詳細(xì)，補(bǔ)充了大量背景材料，便于教師和學(xué)生查閱相關(guān)信息，擴(kuò)展課文內(nèi)容。

書籍目錄

Part Ⅰ  Overview　Unit 1  Financial SystemPart Ⅱ  Banks　Unit 2  Types of Banks　Unit 3  The Structure of the Federal Reserve System　Unit 4  Current Economic and Financial Conditions　Unit 5  Banking SupervisionPart Ⅲ  Foreign Exchange　Unit 6  Foreign Exchange Market　Unit 7  Foreign Exchange and Exchange Rates　Unit 8  Fixed and Floating Exchange RatesPart Ⅳ  Securities　Unit 9  Stock Basics　Unit 10  Bond Basics　Unit 11  Fundamental Analysis Tools of SecuritiesPart Ⅴ  Insurance　Unit 12  Introduction to Insurance　Unit 13  Property Insurance　Unit 14  Life InsurancePart Ⅵ  Derivatives　Unit 15  Financial Derivatives: Option and Swap　Unit 16  Derivatives and Futures Contract

章節(jié)摘錄

　　A mortgage loan is a very common type of debt instrument， used to purchase realestate. Under this arrangement， the money is used to purchase the property.Commercial banks， however， are given security——a lien on the title to the house——until the mortgage is paid off in full. If the borrower defaults on the loan， the bankwould have the legal right to repossess the house and sell it， to recover sums owing to it.　　In the past， commercial banks have not been greatly interested in real estate loansand have placed only a relatively small percentage of their assets in mortgages. Astheir name implies， such financial institutions secured their earning primarily fromcommercial and consumer loans and left the major task of home financing to others.However， due to changes in banking laws and policies， commercial banks areincreasingly active in home financing.　　Changes in banking laws now allow commercial banks to make home mortgageloans on a more liberal basis than ever before. In acquiring mortgages on real estate，these institutions follow two main practices. First， some of the banks maintain activeand well-organized departments whose primary function is to compete actively for realestate loans. In areas lacking specialized real estate financial institutions， these banksbecome the source for residential and farm mortgage loans. Second， the banks acquiremortgages by simply purchasing them from mortgage bankers or dealers.　　In addition， dealer service companies， which were originally used to obtain carloans for permanent lenders such as commercial banks， wanted to broaden theiractivity beyond their local area. In recent years， however， such companies haveconcentrated on acquiring mobile home loans in volume for both commercial banksand savings and loan associations. Service companies obtain these loans from retaildealers，　usually on a nonrecourse basis. Almost all bank/service company agreementscontain a credit insurance policy that protects the lender if the consumer defaults.

編輯推薦

　　學(xué)以致用的編寫思路，知識(shí)的延伸與擴(kuò)展，系統(tǒng)的基礎(chǔ)訓(xùn)練。

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