金融英语材料

The definition of Also known as the financial crisis in the financial turmoil, means a country or several countries and regions all or most of the financial indicators (such as: short-term interest rates, monetary assets, securities, real estate, land prices, the number of commercial bankruptcy and collapse of several financial institutions) rapid, short-term and ultra-cycle deterioration. Type Financial crisis can be divided into currency crises, debt crises, banking crises, such as the type of sub-loan crisis. In recent years more and more of the financial crisis showed a mixed form. Features It is based on the characteristics of the economy are more pessimistic about the future expectations, the entire region a greater monetary value of the depreciation rate of economic aggregates and economic loss to a larger scale, economic growth hit. Often accompanied by a large number of the closure of enterprises, the unemployment rate increased, the general economic depression, or sometimes even accompanied by social unrest or political instability level. The world in dealing with the shock of the Asian financial crisis on the question, Zhu Rongji at the attitude of a lot of important occasions firmly said, "not to devalue the RMB and resolutely, not to increase other Asian countries, regional crises and difficult." "We are One in Asia elements, help each other and not on others' insecurity. "Zhu Rongji, the Chinese Government represented by the image of the international community has won the respect and praise. Is widely acknowledged that the media both at home and abroad are led by Zhu Rongji, the Chinese people in the tide of economic reforms out of the woods. The best candidate to a bright future. (The above excerpt from the "Practical Writing" magazine 1998 10 "talk the language of the speech characteristics Zhu") Difficult Difficult, is not trapped in situ; jump jump, jumping for the upgrading of the difficulties. The evolution of the financial crisis in the United States has experienced three stages of From the U.S. sub-loan crisis of the Wall Street turmoil, and now has evolved into a global financial crisis. Quick development of this process, large quantity, the impact is huge, it can be said is unexpected. And large, can be divided into three stages: First, the debt crisis, housing loans by the people, should not the problems caused by debt service on time. The second stage is the liquidity crisis. These financial institutions because of the debt crisis cause some of the financial institutions are not able to have a sufficient cash liquidity to deal with the demands of creditors. The third stage, the credit crisis. In other words, it is set up at the credit on the basis of suspicious financial activity, resulting in such a crisis. Transmission mechanism of international financial crisis the emergence of new features: Financial crisis caused by external factors, the international transmission of financial crises is not the only phenomenon in recent years. In 1873, the economic prosperity of Germany and Austria, to attract capital to stay in the country, the sudden suspension of foreign credit, leading to the United States Alan Cook difficult operation; in 1890, investment banking伦敦巴林brother happened to the Argentine debt crisis of payments, in addition to New York in October that year financial crisis, a series of business failures in London, Bahrain banks have closed down in November that year, only a governor at the Bank of England to take the lead organization威廉利德Intel syndicated under the Guarantee Fund only help to escape, but the United Kingdom to South Africa, Australia, The United States and other Latin American countries and the sharp drop in loan matter, therefore, with the result that the above-mentioned countries and regions until the economic crisis in 1893; the spring of 1928, the New York Stock Exchange beginning prosperity, this can be absorbed into the dry Germany, Latin America's credit source, cause the above-mentioned countries and regions into a depression. Suspension of payment of foreign credit is likely to speed up the overseas economic recession, which in turn will cause all of this country having an impact. 20th century 90's, along with the expansion of international hot money, the international monetary, financial crisis broke out frequently, according to Barry森格林and many迈克尔博finish in 2001, a study, now out of a random outbreak of the financial crisis in country probability than the largest one-fold in 1973, the international monetary, financial crisis has greatly enhanced the infectious, often shortly after the outbreak of infectious disease as quickly as the first outbreak of the crisis from the country or regional spread to other countries and regions. The media has left a lot of words describing the situation: the Mexican crisis in 1994 the "tequila effect", "Asian flu", "Russian virus" and so on and so on, and on the money, transmission mechanism of financial crisis the rapid emergence of the study. Transmission mechanism of crisis because of a variety of necessary capital projects and financial market liberalization can be achieved under the conditions, to a large extent, the capital of our country depend on appropriate controls and the financial services market and the low degree of openness in 1997, survived the Asian financial crisis But now, as China's economic and financial situation changes, even though our country has not yet completely open capital account, the risk of transmission of the crisis has been greatly increased, shocked the international financial markets to the United States sub-loan crisis has sounded a warning to us that the international transmission mechanism of financial crisis, the emergence of new features. Broad money, the financial crisis in the international transmission channels can be divided into non-accidental transmission channels, two channels of transmission of sporadic type, the former refers to the stability of pre-crisis period and crisis period of the same transmission channels exist; the latter refers to only after the crisis erupted in the transmission channel. The first category because of transmission channels between countries or regions from the actual contact of the economic and financial crisis from the transmission of changes in macroeconomic fundamentals, it is also known as the "real channel" or "fundamentals-based contagion", the main including trade links and competitive devaluation, policy adjustment, random aggregate demand shocks such as the mobility of channels. Sporadic infection has nothing to do with economic fundamentals, investors are only or acts of other participants in financial markets (in particular non-rational behavior) of the results and "real-borne", "pure transmission" and that includes within Health liquidity shocks, multiple equilibria and wake-up effect, political influence and other means of transmission. However, these transmission mechanisms are often set up at trade links and the "center" country of "marginal" investment, based on the country because of the institutional investors from developed countries have abandoned the pursuit of assets in emerging markets the home country due to high-quality assets. And the United States sub-loan crisis of the impact on China, the trade links and foreign investment in China is not possible mechanism is the key to the contrary, it is China's foreign investment and overseas listed Chinese companies may become the most important mode of transmission of the crisis, and This mode of transmission of the importance of the crisis will increasingly raise.

account number 帐目编号 depositor 存户 pay-in slip 存款单 a deposit form 存款单 a banding machine 自动存取机 to deposit 存款 deposit receipt 存款收据 private deposits 私人存款 certificate of deposit 存单 deposit book, passbook 存折 credit card 信用卡 principal 本金 overdraft, overdraw 透支 to counter sign 双签 to endorse 背书 endorser 背书人 to cash 兑现 to honor a cheque 兑付 to dishonor a cheque 拒付 to suspend payment 止付 cheque,check 支票 cheque book 支票本 order cheque 记名支票 bearer cheque 不记名支票 crossed cheque 横线支票 blank cheque 空白支票 rubber cheque 空头支票 cheque stub, counterfoil 票根 cash cheque 现金支票 traveler's cheque 旅行支票 cheque for transfer 转帐支票 outstanding cheque 未付支票 canceled cheque 已付支票 forged cheque 伪支票 Bandar's note 庄票，银票 banker 银行家 president 行长 savings bank 储蓄银行 Chase Bank 大通银行 National City Bank of New York 花旗银行 Hongkong Shanghai Banking Corporation 汇丰银行 Chartered Bank of India, Australia and China 麦加利银行 Banque de I'IndoChine 东方汇理银行 central bank, national bank, banker's bank 中央银行 bank of issue, bank of circulation 发行币银行 commercial bank 商业银行，储蓄信贷银行 member bank, credit bank 储蓄信贷银行 discount bank 贴现银行 exchange bank 汇兑银行 requesting bank 委托开证银行 issuing bank, opening bank 开证银行 advising bank, notifying bank 通知银行 negotiation bank 议付银行 confirming bank 保兑银行 paying bank 付款银行 associate banker of collection 代收银行 consigned banker of collection 委托银行 clearing bank 清算银行 local bank 本地银行 domestic bank 国内银行 overseas bank 国外银行 unincorporated bank 钱庄 branch bank 银行分行 trustee savings bank 信托储蓄银行 trust company 信托公司 financial trust 金融信托公司 unit trust 信托投资公司 trust institution 银行的信托部 credit department 银行的信用部 commercial credit company(discount company) 商业信贷公司（贴现公司） neighborhood savings bank, bank of deposit 街道储蓄所 credit union 合作银行 credit bureau 商业兴信所 self-service bank 无人银行 land bank 土地银行 construction bank 建设银行 industrial and commercial bank 工商银行 bank of communications 交通银行 mutual savings bank 互助储蓄银行 post office savings bank 邮局储蓄银行 mortgage bank, building society 抵押银行 industrial bank 实业银行 home loan bank 家宅贷款银行 reserve bank 准备银行 chartered bank 特许银行 corresponding bank 往来银行 merchant bank, accepting bank 承兑银行 investment bank 投资银行 import and export bank (EXIMBANK) 进出口银行 joint venture bank 合资银行 money shop, native bank 钱庄 credit cooperatives 信用社 clearing house 票据交换所 public accounting 公共会计 business accounting 商业会计 cost accounting 成本会计 depreciation accounting 折旧会计 computerized accounting 电脑化会计 general ledger 总帐 subsidiary ledger 分户帐 cash book 现金出纳帐 cash account 现金帐 journal, day-book 日记帐，流水帐 bad debts 坏帐 investment 投资 surplus 结余 idle capital 游资 economic cycle 经济周期 economic boom 经济繁荣 economic recession 经济衰退 economic depression 经济萧条 economic crisis 经济危机 economic recovery 经济复苏 inflation 通货膨胀 deflation 通货收缩 devaluation 货币贬值 revaluation 货币增值 international balance of payment 国际收支 favourable balance 顺差 adverse balance 逆差 hard currency 硬通货 soft currency 软通货 international monetary system 国际货币制度 the purchasing power of money 货币购买力 money in circulation 货币流通量 note issue 纸币发行量 national budget 国家预算 national gross product 国民生产总值 public bond 公债 stock, share 股票 debenture 债券 treasury bill 国库券 debt chain 债务链 direct exchange 直接（对角）套汇 indirect exchange 间接（三角）套汇 cross rate, arbitrage rate 套汇汇率 foreign currency (exchange) reserve 外汇储备 foreign exchange fluctuation 外汇波动 foreign exchange crisis 外汇危机 discount 贴现 discount rate, bank rate 贴现率 gold reserve 黄金储备 money (financial) market 金融市场 stock exchange 股票交易所 broker 经纪人 commission 佣金 bookkeeping 簿记 bookkeeper 簿记员 an application form 申请单 bank statement 对帐单 letter of credit 信用证 strong room, vault 保险库 equitable tax system 等价税则 specimen signature 签字式样 银行业务例文 定期存款的条件为年利6%, 存期6个月以上，只要金额1,000元，我们均乐意接受。 We shall be pleased to receive a fixed deposit for any amount more than $1,000, for a period over six months at the rate of 6% p.a. 谨同函寄上新开定期存款第500号存折一份，面额100,000元，请查收为荷。该面额等于您寄来换新的旧存=折本金加上利息之和。 Enclosed please find a new deposit certificate No. 500 for $100,000, which represents the principal and interest of the old certificate you sent us for renewal. 如存款为100元以上，我们将乐意接受。 We shall be glad to receive deposits of 100 yen and upward.

你可以说中文，我来翻译