《金融英语常用词汇以及实际应用》由会员分享，可在线阅读，更多相关《金融英语常用词汇以及实际应用（8页珍藏版）》请在金锄头文库上搜索。
1、金融英语常用词汇以及实际应用1. Division of labor (劳动分工)In modern economies, the division of labor increases productivity by allowing workers to specialize in tasks they excel at.在现代经济中，劳动分工通过让工人专注于他们擅长的任务，从而提高了生产力。2. Commodity money (商品货币)Gold and silver have historically been used as commodity money due to their
2、 intrinsic value.黄金和白银由于其内在价值，历史上一直被用作商品货币。3. Legal tender (法定货币)In most countries, the national currency is considered legal tender for settling debts.在大多数国家，国家货币被视为偿还债务的法定货币。4. Fiat money (法定通货)Unlike commodity money, fiat money has no intrinsic value and derives its worth from government regulati
3、on.与商品货币不同，法定通货没有内在价值，其价值来源于政府的规定。5. A medium of exchange (交换媒介)Money serves as a medium of exchange, facilitating trade between individuals.货币作为一种交换媒介，促进了个人之间的贸易。6. Legal sanction (法律制裁)Violations of financial regulations may result in severe legal sanctions.违反金融法规可能会导致严厉的法律制裁。7. Face value (面值)The
4、 face value of a bond represents the amount paid to the holder at maturity.债券的面值代表了到期时支付给持有人的金额。8. Liquid assets (流动资产)Liquid assets like cash can easily be converted into goods and services.现金等流动资产可以很容易地转化为商品和服务。9. Illiquid assets (非流动资产)Real estate is considered an illiquid asset because it cannot
5、 be quickly converted into cash.不动产被认为是非流动资产，因为它不能快速转化为现金。10. The liquidity scale (流动性指标)The liquidity scale helps investors assess how easily an asset can be sold without affecting its price.流动性指标帮助投资者评估资产在不影响价格的情况下能多快出售。11. Real estate (不动产)Investing in real estate is often seen as a long-term fin
6、ancial strategy.投资不动产通常被视为一种长期的财务策略。12. Checking accounts, demand deposit, checkable deposit (活期存款)Checking accounts offer easy access to funds and are ideal for everyday transactions.活期存款提供了资金的便捷访问，非常适合日常交易。13. Time deposit (定期存款)Time deposits require the depositor to leave money in the bank for a
7、fixed period to earn interest.定期存款要求存款人在银行存放一段固定时间以赚取利息。14. Negotiable order of withdrawal accounts (大额可转让提款单)Negotiable order of withdrawal accounts offer both interest-bearing and check-writing features.大额可转让提款单既能产生利息，也能进行支票书写。15. Money market mutual funds (货币市场互助基金)Money market mutual funds are p
8、opular with investors seeking low-risk, short-term returns.货币市场互助基金受那些寻求低风险、短期回报的投资者欢迎。16. Repurchase agreements (回购协议)Repurchase agreements are used by financial institutions to raise short-term capital.回购协议被金融机构用于筹集短期资本。17. Certificate of deposits (存单)Certificates of deposits offer a guaranteed re
9、turn over a specified period in exchange for locking in funds.存单在锁定资金的情况下，在指定期限内提供了保证回报。18. Bond (债券)Governments and corporations issue bonds to raise funds from the public.政府和公司发行债券以从公众中筹集资金。19. Stock (股票)Buying stock gives an investor partial ownership in a company and the potential for dividends.
10、购买股票让投资者获得公司部分所有权以及潜在的股息。20. Travelers checks (旅行支票)Travelers checks provide a secure way to carry money while traveling abroad.旅行支票为出国旅行时提供了一种安全的携带货币方式。21. Small-denomination time deposits (小额定期存款)Small-denomination time deposits are a popular saving option for individuals seeking low-risk investme
11、nts.小额定期存款是寻求低风险投资者的热门储蓄选择。22. Large-denomination time deposits (大额定期存款)Large-denomination time deposits are typically used by corporations looking to earn interest on surplus funds.大额定期存款通常被公司用于赚取剩余资金的利息。23. Bank overnight repurchase agreements (银行隔夜回购协议)Bank overnight repurchase agreements provide
12、 a way for banks to manage short-term liquidity needs.银行隔夜回购协议为银行管理短期流动性需求提供了方式。24. Bank long-term repurchase agreements (银行长期回购协议)Banks use long-term repurchase agreements to stabilize funding over an extended period.银行使用长期回购协议来稳定长期资金。25. Thrift institutions (存款机构)Thrift institutions focus on accep
13、ting savings deposits and providing home mortgage loans.存款机构专注于接受储蓄存款并提供住房抵押贷款。26. Financial institution (金融机构)Financial institutions play a key role in the allocation of capital in the economy.金融机构在经济中的资本配置中发挥着关键作用。27. Commercial banks (商业银行)Commercial banks provide a wide range of financial servic
14、es, including loans and checking accounts.商业银行提供广泛的金融服务，包括贷款和活期存款。28. A means of payment (支付手段)Credit cards are widely accepted as a means of payment in most countries.信用卡在大多数国家被广泛接受为支付手段。29. A store of value (储藏手段)Gold is often considered a reliable store of value during times of economic uncertain
15、ty.黄金在经济不确定时期通常被认为是一种可靠的储藏手段。30. A standard of value (价值标准)The U.S. dollar is commonly used as a standard of value in international trade.美元通常在国际贸易中被用作价值标准。31. Reserve (储备)Banks maintain reserves to meet withdrawal demands and ensure financial stability.银行为满足提款需求和确保金融稳定而维持储备。32. Note (票据)Commercial notes are commonly used in trade finance to facilitate transactions between businesses.商业票据在贸易融资中常用于促进企业之间的交易。33. Discount (贴现)Banks often discount bills of exchange, providing businesses with immediate cash flow.银行经常对汇票进行贴现，为企业提供即时现金流。34. Circulate (流通)Money circulates within an economy, facili
