金融英語(yǔ)

前言

　　隨著我國(guó)改革開放的持續(xù)深化，社會(huì)主義市場(chǎng)經(jīng)濟(jì)對(duì)高等職業(yè)技能型人才的需求迅猛增加。2002年，隨著《國(guó)務(wù)院關(guān)于大力推進(jìn)職業(yè)教育改革與發(fā)展的決定》（國(guó)發(fā)[2002]16號(hào)）的頒布，揭開了我國(guó)高等職業(yè)教育發(fā)展的新篇章。為貫徹落實(shí)《國(guó)務(wù)院關(guān)于大力發(fā)展職業(yè)教育的決定》，“十一五”期間，教育部、財(cái)政部決定實(shí)施國(guó)家示范性高等職業(yè)院校建設(shè)計(jì)劃，通過(guò)重點(diǎn)建設(shè)100所國(guó)家示范性高職院校，帶動(dòng)全國(guó)高職院校深化改革，提升高等職業(yè)教育的整體水平。國(guó)家啟動(dòng)示范性高等職業(yè)院校建設(shè)計(jì)劃，標(biāo)志著我國(guó)高等職業(yè)教育進(jìn)入了一個(gè)追求內(nèi)涵發(fā)展的新的歷史階段，這是科學(xué)發(fā)展觀在我國(guó)高等教育領(lǐng)域的具體體現(xiàn)，對(duì)促進(jìn)我國(guó)高等職業(yè)教育更好更快地發(fā)展具有巨大的戰(zhàn)略意義?！　∝?cái)經(jīng)管理類專業(yè)是我國(guó)高職高專教育極其重要的組成部分。2005年，全國(guó)高職高專院校在校生427萬(wàn)，其中財(cái)經(jīng)管理類專業(yè)在校生超過(guò)80萬(wàn)，占18．8％。高職高專財(cái)經(jīng)管理類專業(yè)主要著眼于培養(yǎng)社會(huì)主義市場(chǎng)經(jīng)濟(jì)發(fā)展所需要的德、智、體全面發(fā)展的高素質(zhì)專門人才，要求具有較強(qiáng)的職業(yè)技能和較好的創(chuàng)新精神以及實(shí)踐能力?！　≡诋?dāng)前開拓新型工業(yè)化道路，推進(jìn)全面小康社會(huì)建設(shè)的新時(shí)期，進(jìn)一步加強(qiáng)經(jīng)濟(jì)管理人才的培養(yǎng)，注重經(jīng)濟(jì)理論的系統(tǒng)化學(xué)習(xí)，特別是現(xiàn)代經(jīng)濟(jì)管理理論的學(xué)習(xí)，提高學(xué)生的專業(yè)理論素質(zhì)和應(yīng)用實(shí)踐能力，培養(yǎng)出一大批高水平、高素質(zhì)的經(jīng)濟(jì)管理人才，越來(lái)越成為提升我國(guó)經(jīng)濟(jì)競(jìng)爭(zhēng)力、保證國(guó)民經(jīng)濟(jì)持續(xù)健康發(fā)展的重要前提。這就要求高職高專財(cái)經(jīng)管理類職業(yè)教育要更加注重依據(jù)國(guó)內(nèi)外社會(huì)經(jīng)濟(jì)條件的變化適時(shí)變革和調(diào)整教育目標(biāo)和教學(xué)內(nèi)容；要求財(cái)經(jīng)管理學(xué)科專業(yè)更加注重應(yīng)用、注重實(shí)踐、注重規(guī)范、注重國(guó)際交流；要求財(cái)經(jīng)管理學(xué)科專業(yè)與其他學(xué)科專業(yè)相互交融與協(xié)調(diào)發(fā)展；要求財(cái)經(jīng)管理類職業(yè)教育培養(yǎng)的人才具有更加豐富的社會(huì)知識(shí)和較強(qiáng)的人文素質(zhì)及創(chuàng)新精神。要完成上述任務(wù)，高職高專院校需要進(jìn)行深入的教學(xué)改革和創(chuàng)新。特別是要搞好有較高質(zhì)量的教材的編寫和創(chuàng)新。　　出版社的領(lǐng)導(dǎo)和編輯通過(guò)對(duì)國(guó)內(nèi)高職高專院校財(cái)經(jīng)管理學(xué)科教材使用情況的調(diào)研，在與各院校的專家學(xué)者討論的基礎(chǔ)上，決定組織編寫和出版《21世紀(jì)全國(guó)高職高專財(cái)經(jīng)管理系列實(shí)用規(guī)劃教材》，這是一項(xiàng)有利于促進(jìn)高職高專院校教學(xué)改革發(fā)展的重要措施。

內(nèi)容概要

本書由18個(gè)單元組成，內(nèi)容涉及貨幣體系、金融市場(chǎng)和融資方式、國(guó)際結(jié)算、會(huì)計(jì)和金融信函等方面。每個(gè)單元由學(xué)習(xí)目標(biāo)、課文、詞匯表、注釋和習(xí)題5個(gè)部分組成，注釋詳盡，生詞量及習(xí)題難度適中。    本書內(nèi)容新穎實(shí)用，適合大專院校經(jīng)濟(jì)、財(cái)政、金融、貿(mào)易等專業(yè)的學(xué)生使用，也可作為金融行業(yè)從業(yè)人員提高英語(yǔ)水平的培訓(xùn)教材。

書籍目錄

Unit 1  MoneyUnit 2 International Monetary SystemUnit 3 Money MarketUnit 4 Investment and Its RiskUnit 5 Foreign Exchange ManagementUnit 6 LoansUnit 7 LeasingUnit 8 Balance of PaymentsUnit 9 FinanciaI InstrumentsUnit 10 CollectionUnit 11 Letter of Credit(1)Unit 12 Letter of Credit(II)Unit 13 BondsUnit 14 Factoring and ForfeitingUnit 15 Accounting(I)Unit 16 Accounting(II)Unit 17  InsuranceUnit 18 Bank LettemKey to Exercises參考文獻(xiàn)

章節(jié)摘錄

　　2．Lire Insurance Process Flow　　The simplest life insurance business cycle looks like this：　?。?）The client approaches the insurer through an agent with a proposal containing his／her personal details，income details，medical history，products（the product describes the features provided by the insurer like maturity bonus，claims allowed，etc．．These features vary from product to product），sum assured（the amount for which the client is covered），term（number of years for which the client is to be covered）and premium amount（installment amount to be paid by the client to the insurer）．The agent who brings this proposal is termed as a base／servicing agent for the proposal．　　（2）The proposal will go through various stages of approval and risk evaluation by the "Central Processing Centre"of the Insurance Company．Upon final approval，a legal agreement， termed as policy，between the insurer and the client is prepared whereby the insurer covers the client for the sum assured．The client is also entitled for some additional benefits，if any，depending on the features of the product taken in the policy．The base agent gets a commission for　　the policy．　?。?）The client pays premium at regular intervals．These subsequent premiums are termed as renewal premiums．The base agent gets a commission on the renewal premium too．　?。?）The client may come back with some alterations to the policy viz．increase／decrease in sum assured，increase／decrease of the term of policy，etc．．The insurer will make the relevant changes to the policy and will issue endorsements stating the made alterations and their effect on the policy．　?。?）During the term of the policy，the client can submit claims．The insurer makes payment against the claim after verification．Depending on the type of claim，the policy is either terminated or kept in force．　　（6）At the end of the term of the policy，the client gets the Sum assured as part of the maturity benefit under life insurance policies．In addition to this，the client will get the maturity bonus and any other benefits depending on the product feature．

編輯推薦

　　針對(duì)性強(qiáng)，切臺(tái)職業(yè)教育目標(biāo)，重點(diǎn)培養(yǎng)職、韭能力，側(cè)重技能傳授。　　科學(xué)實(shí)用：面向應(yīng)用型人才的就業(yè)，具備大量當(dāng)前實(shí)用案例分析研究，注重培養(yǎng)學(xué)生的實(shí)踐能力?！　?nèi)容新穎：借鑒國(guó)內(nèi)外最新的教材，融會(huì)當(dāng)前最新的理論，遵循最新發(fā)布的各項(xiàng)準(zhǔn)則、規(guī)范?！　∠盗型暾喊盐肇?cái)經(jīng)管理專業(yè)相關(guān)學(xué)科、課程之間的關(guān)系，整個(gè)系列體系嚴(yán)密完整?！　》奖憬虒W(xué)：網(wǎng)上提供完備的電子教案、習(xí)題參考答案等教學(xué)資源，適合教學(xué)需要。

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