unit1Financialsystem金融英語第一課省公開課金獎全國賽課一等獎微課獲獎?wù)n件

Unit1

FinancialSystem

1/16StudyobjectivesGrasptermsrelatingtofinancialsystem1Understandtherolesoffinancialsystem23Learntoexpresstheconstitutionoffinancialsystem32/16Keywords,phrasesandspecialtermsallocatedeficitinvestorreturnconsumptionprospectiveincentiveposematuritymismatchcoordinateintermediarybondstockcomputerchipperiodicallymature

principalownershipclaimtakeindepositdepositorproceeds

portfolioshareholder3/16allocateWeallocatedaquarterofthetotalexpendituretothepublicservices.

公用事業(yè)本年度他們分配到10萬美元外匯配額。Theyareallocatedanexchangequotaof$100,000forthecurrentyear.2.allocationallocationofcapitalallocationofresources資本配置資源配置Thetotalcostoftheprojectwasfoundonallocationtobethematerials?255,labor?570,machine-hire?175,total?1000.

該項目標(biāo)全部費(fèi)用分配情況以下：材料，勞力，機(jī)器租用費(fèi)Keywords,phrasesandspecialterms

4/163.deficittradedeficitmakeupthedeficitdeficitfinancing4.return

收入，投資回報，收益（pl.）returnsoninvestmentreturnsontotalassetsreturnstoscales投資回報總資產(chǎn)收益規(guī)模酬勞

退貨（pl.）returnsinwardsreturnsoutwards銷貨退回購貨退回Thebookstoresdonotacceptreturns,evenonesingoodcondition.Keywords,phrasesandspecialterms

5/165.maturitythematurityvaluethematurityyielddateofmaturitytheamountpayableonmaturity6.principal本金，可生息資產(chǎn)、資本到期值到期收益到期日到期應(yīng)付款項aprincipalof$5,0005000美元本金我們已經(jīng)償還了本金和利息。Wehaverepaidtheprincipalandinterest.Astothepenalty,wemustconsultourprincipal.Keywords,phrasesandspecialterms

6/167.portfolioinvestmentportfoliosaportfolioofsharesforeignportfolioinvestment投資清單股票清單國外有價證券投資Keywords,phrasesandspecialterms

7/16WarmupSupposeyousaved$100,000andyouwantedtomakemoremoneyfromit,howwouldyoudealwiththemoney?Why?Doyouhaveanyexperiencewithbanksormutualfunds?Namesomebanksandfundsathomeandabroad.8/16WarmupIfIhadsomuchmoney,Iwoulddeposit$40,000inthebankforafixedperiod.Thefixeddepositcanearnsteadyinterestforme.Sinceithasagoodliquidity,Icandrawonmydepositinneedofcash.$20,000wouldbeputinvariousbonds,whicharelessliquidbutmoreprofitable.Thepricesofstocksfluctuateeveryday.Imayrisklosingmyinvestmentifchoosingawrongstock.Iwouldonlyputin$20,000instocks.Mutualfundsmightbealessriskychoice,astheyareabasketofstocksandbondsoperatedbyagroupofexperts.Akindofprofit-sharinginsuranceisalsoworthconsidering.Sotherest$20,000wouldbeputinmutualfundsorinsurances.9/16-年世界銀行排行榜：RankBank漢字名稱Country1JPMorganChase&Co摩根大通企業(yè)USJPM

2BankofAmericaCorp美國銀行USBAC

3Citigroup花旗集團(tuán)USC

4RoyalBankofScotland蘇格蘭皇家銀行UKRBS

5HSBCHoldings匯豐集團(tuán)UKHBC

6WellsFargo&Co美國富國銀行USWFC

7MitsubishiUFJFinancialGroup三菱日聯(lián)金融集團(tuán)JapanMTU

8ICBC中國工商銀行China

9CreditAgricoleGroup法國農(nóng)業(yè)信貸銀行France

10SantanderCentralHispano西班牙國際銀行SpainSTD

11BankofChina中國銀行China

12ChinaConstructionBankCorp中國建設(shè)銀行China

10/1613GoldmanSachs高盛集團(tuán)USGS

14BNPParibas法國巴黎銀行FranceBNPQY

15BarclaysBank英國巴克萊銀行UKBCS

16MizuhoFinancialGroup日本瑞穗金融集團(tuán)JapanMFG

17MorganStanley摩根士丹利企業(yè)USMS

18UniCredit意大利聯(lián)合信貸銀行Italy

19SumitomoMitsuiFinancialGroup日本三井住友金融集團(tuán)JapanSMFJY

20INGBank荷蘭國際集團(tuán)NetherlandsING

21DeutscheBank德意志銀行GermanyDB

22RabobankGroup荷蘭合作銀行Netherlands

23SocieteGenerale法國興業(yè)銀行FranceSCGLY

24AgriculturalBankofChina中國農(nóng)業(yè)銀行China

25IntesaSanpaolo意大利聯(lián)合圣保羅銀行ItalyIITSF11/16Text

Howdosaversandborrowersmeet?12/16Ⅰ.RolesoffinancialsystemTomobilizesurplusfunds,andtoallocatethemamongdeficitpeoplesurplusunit&deficitunitMethodsofmobilizingfundsToensuretheuseoffundswithnetpresentvalueTwofundamentalproblems

maturitymismatchrisksDisclosureofinformation

13/16Ⅱ.Constitutionoffinancialsystem1.FinancialmarketsConceptoffinancialmarkets2mostimportantfinancialmarketsIntelwantstoborrowtofinanceconstructionofnewfactory.Tosellbonds:maturity,rateofinterest,operationTosellstock:ownership,aclaimtoprofit14/16Ⅱ.Constitutionoffinancialsystem2.FinancialintermediariesConceptoffinancialintermediaries