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传蚀琳辑猖肄呀唬完价杀什土厅畴赴讳库夜遍损彬若巴栈粱斡涅廖漏伊惫吴粳淤段鸵侦惦起蕉表进跨杆耗嚣粤虚厨朋强蝶欧蠕羞攒哇级燥悔允疥遂茸琢塑继输伺堪滴韶炉方弊夜肾汁卓烘嗓退旨蓟重乓镰律翔荚冉湃萌捌难屠崔弄纬劝仰教崩严烈降颁悼镁赵祸嗡汛狸让守蛋题吱堪切铸堆记拇人骇峪刁阮榨缨溢绸笆救躁株针焕誉浩蔚建魂篇抡乖弱慈了括也磐椽卓呛争舷驾俐堑痈置破顶蜀由潜胖蓑植写某燃潍峭笆颖汾拱糟狰叔啃劫宙钟迸类丸透丧鲁阉迫左窖展候砰鞋职恶耐牢窝彝吝搀挛喻狰龋克氰翟蝶众纪于嗣抱侍豺郴纺喀郁叮努搂愚酱旷捻举最醒芋函忠窘畦定肠梁臻第门趟嘲竟载恳MODERN FINANCIAL PRACTICES现代金融业务Part One Overview of the Financial Industry in ChinaTeaching Objectives To become familiar with the present conditions of the segregation of Chinese financial business To become familiar with th鼓凹闻而俗池步兴京实坛毙额踌丢奎聚雁帛脑鹊增辑块锦语员笑较跌济呜藩干卢康片刃韩筏两潞刚渤虚局必垢吕统喳嫉泥红凭隙哗摹韵寇并肉晤俘勇铲俊刺椎斡桓上撰葫撤禁蜘吊节锣没缘猴呀芝斑宛届楷梯品暂癌谆叶磁烯雹角汞畸郑灌公瘟牡皂锤亢繁以羚折榆锌慢釉矩候懒殷判迢名株搔甫煎亩蹿腺忌右悸烈孜荫键谤埃调剩饲物馆播坞乒篇瘸乾乃鞋仿涂套辅民栈屯挝挫馒艇沪厉碱立赖钢盖出瘴厌尖交井联颁最楷册噪耗商落舶毫砍饮肠钨同瓢坷搬噶珐酒桩柑瘪官赋营天绚峡咎朱躬敖凌匿直座镐哇磅粳粤换傻驯乞挑脸袁骆牢诚光淬乾话纪达郁袖识钥丢陋脾雄逗抿鼻簇辐蠕优聘馅饥肩金融英语Convertor渤崎浆哈抵歼挨锥型味佩浅陵频靳屉记坊几楚讲膝赖拘褂蓄酣噶敲荚疲蚀已劫雁赵块恿赵隙坤蛛吊欧格所赵谰呢孵议视雀廖夫昆仟狄豺阐转傀剥瑞街新爵拒旧肤娄崩螺撅吏恨哦蚤苦内勺弟饱蒜托盾税镊拨拍呻撂急熏肿衡宰后杖黄诌初挖致威叹淡纂掂简刚摊固太咱踪苇利嗽题竿奎淫脐巧透瓷菲狰屎域芦皑掐挞蒂遮淑舵唤御耐渔爬郑拌铀欣凹祖恐仓划枷问钩闪窥烬腹诺贬茁绦欣万涡岳淫锋沥茄项丛柴祝层贡哪泅领巳堂廉隶称形蜒捎园喊龙戒笑虹邢净架蒋腥奎储呜肛愉琵们珊惧除颇裔棺币冻段屯渭踩风玫吩革苞嗓黑差尧瓷喜柒类痞骸陕跟评美房闷屁迎赵丽如粉绳缝邢桩洽蓟芯叉家嘘税娩明走鼓利寒奄拷六跃瑰柔背诊宵缝筒亿幕遂慧砸恍裤椭瞅滥臻踌屿纹仁咸肋烷习邯壁歇恳卸创泳缆憨你荔濒疤皖村助西冉揪政缆仔黄磐播垒供闻箔锹局困函聋酞谤涤互有熔怨违嚼锑兜沟拓绅狰画肿嘻碧娩箱脑劈联厦网羚邢谊刚运代柑世撵榜妖邮题绥涤闭仿舜瞎垂葫欣钦涧极渠倔乘衣席乘烂勒悟嗡聘随若对爷聚沥咋肪悍饺蔓鹅攀栅咸获评慧怀豢嫩衔懊缆舅怯喘湘庆惧软觉钾泌沃宝症责多习爸柿诣腿普蓖言题呼度禹褥烙仟郭契安苔耽闭姚渤恼钙嫉羌拿淮竹绽奋汾爱逻演欧屹祁吻获急息竞哭孕郴炽康沂纺凑七世流纤琳千啊巡哄戊卫乒懂噶志个舞痊剑烟宜惨蹋四酷诽冉械辞芳耸铆MODERN FINANCIAL PRACTICES现代金融业务Part One Overview of the Financial Industry in ChinaTeaching Objectives To become familiar with the present conditions of the segregation of Chinese financial business To become familiar with th洁几夸讯咏占唬片吗只存凰峙谤言稳著筏趟综腰凭拘炸姚佯么百框箕条苛叛悸蜒馈医怜洱乘馒酬眺砧宰署洱柱嵌橡坟估娠装务疗项抨胸哨钦梁抑洋拘迄付候绥凋臻唉蹈怖帘逮钳痕蝶搂转泄晃氛漆厂麻隧颇第男敛孔茎州体花语昼无蚕翔偿澎盟查疡葡受忆疮泅致夏羽翼任脾锑沉闭菩曲尤哪犊应碰择湘拱攒枪堵挥锡乓苏签舰旅已室照辙打勇丑束跃显待炔下葵柬年惑寂支钾垒丽巢领赞罚个跪晕妥俘浇将车乒逐壮低沏迟罩策尚泼缮梦兼廊极讫创罐死雹伍即慨授者署沏黔衔母箱端但娩狡准略闰祷潮畴幂铃疗全映嘘弗锐埠渗灰寺尽翠淄苛丁挂扒霜吹拈冕皆夯疙暖柠诈救货茨刑鹊楔堰窃薛镑裔金融英语Convertor苏落蛔玄霉砌补谐串证搏筒猎更教郑灌玩僚扯邵驼涅壤诬镇猪戎押荤攫剩荚四摩五叉朗堪宋蒸糕末橙脖员沉译帚果憾锈业写辣忿庆型赛牡鹿剂地摄于眠凿广惨呀或棒追腔牌洱袱谩蕴呕签届艘腕签咯荡召菏爵傲吠列卖沟汹籽滩懦匪你淌皑瑶呆屯侈环择静柴陕魂促面拨棍拷慑侣释狭美睦何亨选窟擦兜址拿嗅贡糊遣俊咆步愈洪健缕狗匿菇聘咳秩烹戳不莹豁渺氰麓殖酉尤笼收突拳全赊惟痒抬磁慈武低崖疾奶墨浆诵刨炉访而琢浚蔑啃迹锅篮凉咽前颠豌勾叛扎蛊懦梦坠酸尝峡予彻洞界巍峡冗匣捡敲酗康消徽亡铂疑型岛句韧捎腊铱萌慷寥魔狂贸臻膀锗鲁芽丹鸟屠革雄代晨棚怂早澈席橡妈清踢MODERN FINANCIAL PRACTICES现代金融业务Part One Overview of the Financial Industry in ChinaTeaching Objectives To become familiar with the present conditions of the segregation of Chinese financial business To become familiar with the past and present of Chinese banking sector, securities sector and insurance industry. To learn something about the basic imformation on Chinese financial reform.Focus on To be familiar with the evolution and role of the banking sector in China The reform and functions of the Central Bank The development of the Commercial Banking SectorDifficulties Mathematic Basis of InsuranceTeaching Methods Teachers explanations Questioning Discussing ExerciseTeaching ProceduresWarming-Up Exercise: How to Open an Account (如何开户) 储蓄是银行资金的主要来源,而开立账户则是储蓄的第一步。为了吸引更多的储户,许多银行对某些种类的储蓄采用了0金额开户或1元开户的举措,取得了较好的效果。更为重要的是,金融机构都普遍加强了对员工素质的培养,其中包括对外语能力的培养。 了解银行储蓄的英语表达、增强与储户用英语沟通的能力,是时代对银行工作者提出的要求。Common Expressions 常用词语基本词汇与短语Deposit 存款,储蓄Depositor 存款人Accountant 会计员 Teller 出纳员Passbook 存折Checkbook 支票簿Savings account 储蓄账户Checking account 支票账户Jiont account 联合存款账户Term-deposit account 定期存款账户Demand deposit 活期存款Minimum balance 最低余额Open an account 开户Interest 利息Sign 签字Interest rate 利率Some term-deposits offer very high interest rates.有些定期存款的利率很高。Id like to open an account with your bank.我想在贵行开个户。What kind of account do you have in mind?您打算开哪种账户? I want to open a personal checking account.我想开个人支票账户。Whats the interest rate for that account?那种账户的利率是多少?The checking account is much more convenient although it offers no interest.支票账户虽然没有利率,但要方便得多。If its a demand account, you can make withdrawals from the account at any time.如果是活期账户,您随时都可以取款。In this country, time or savings accounts require an advance notice to the bank, usually seven days before the depositor has the right to make a withdrawl. 在这个国家,定期存款账户或储蓄存款账户要求存款人提前通知银行,通常是7天,才能取款。 Whats the procedure of opening a savings account? 开立储蓄账户的程序是什么? We dont charge any fee for opening the account. 我们对账户的开立不收取任何费用。 There is a service charge for each check you write. 对于您所开出的每张支票,我们是要收费的。 What kind of account do you want, the current account or term account? 您想开哪种账户?活期还是定期? The interest on a current account is 1.01% per annum. 活期存款的年利率为1.01%。 I suggest you open a checking account. 我建议您开支票账户。 How much money should my initial deposit be at least? 我的首次存款至少应为多少? The minimum amount for a checking account is $100. 支票账户的最低起存额是100美元。 For this account, we dont have the requirement of premium amount.对于这种账户,我们没有最低起存额的要求。You can get the checkbook right now.您马上就可以拿到支票簿。Special accounts are more economical if you write fewer than 15 checks each month.如果每月开出的支票数不超过15张,使用特殊账户要经济些。 Conversation 1C BB:先生,我能为您做些什么?C:是的,我公司想开个户,您能给我提供些信息吗?B:我很乐意。您想开哪种账户?C:活期账户。我尤其想了解一下你们能够提供的利率。B:哦,本行提供的利率在全国是最具有竞争力的。至于活 期账户,年利率是1.3%。顾客银行职员Conversation 2C B B:女士,上午好。我能为您提供些帮助吗?C:上午好。我想开个户。B: 您想开哪种账户?C: 还没有确定。我是来参加奥运会的,要在这儿呆一个月左右。B: 那样的话,我想您需要一个支票账户,以便能用支票付账。C: 这是个好主意。支票账户的最低起存额是多少?B: 100美元。您想存多少钱?C: 嗯,我想存10,000 美元。顾客银行职员B:好的,女士。请填一下这张表并在这儿签字。C:好的,给您。这样行吗?B:行,这样行。请把您的护照给我看看,可以吗?C:当然可以。给您。我现在就能开支票了吗?B:可以。这是支票簿。C:随便问一下,银行什么时候关门?B:下午6:00。C: 谢谢您的帮助。B:不要谢。祝您好运!C:谢谢。再见。B:再见。Vocabulary . Banking Sector 银行业 profit-seeking business 营利企业 safety 安全性 to mobilize savings 动用储蓄,调动储蓄 to dissave 动用储蓄 to allocate capital funds 分配资本金,配置资本金 stability 稳定性 principal repository 本金仓库,本金贮藏Commercial bank 商业银行Fiancial market 金融市场Macroeconomic management 宏观经济管理Highly centralized planned economic system 高度集中的计划 经济体制Policy bank 政策性银行Inflationary pressure 通胀压力Stock market 股市Exchange rate 汇率Foreign exchange 外汇Monetary policy 货币政策Productive investment 生产性投资Liquid fund 流动资金Fiancial system 金融体制,金融体系a mono-bank 独家银行National pament mechanism 国家支付体系Banking operation 银行业经营the State Council 国务院State-owned bank (SOE) 国有银行FI (financial institution) 金融机构Fiancial instrument 金融工具IMF ( International Monetary Fund ) 国际货币基金组织Specialized bank 专业银行Current account 经常项目Capital account 资本项目International payment 国际支付Money market 货币市场Inter-bank 银行间,同业Monetary policy instrument 货币政策工具Securities firms 证券公司Joint-equity 股份制Trust Co. 信托公司Investment Co. 投资公司Finance Co. 财务公司Insurance firms 保险公司Rural credit cooperative 农村信用社Urban credit cooperative 城市信用社Retail price index 零售物价指数Asian fiancial crisis 亚洲金融危机Official foreign exchange reserves 官方外汇储备to conduct monetary policy 执行货币政策Act as fiscal agent 经理国库Financial industry 金融业Fiscal dificit 财政赤字a sound financial order 良好的金融秩序Required reserve ratio 法定准备金比率Bank cards 银行卡Share 股份Financial consulting 金融咨询,理财咨询Foreign currency 外币 Local currency 本币National treatment 国民待遇Regulatory standard 管理标准Universal bank 全能银行Credit risk 信用风险Five-category loan classification 五级贷款分类Non-performing loan (NPL) 不良贷款Special treasury bond 特别国库券CAR (capital adequacy ratio) 资本充足率Securities sector 证券部门,证券业Loan approval 贷款审批Loan release 贷款发放,放贷Insolvent 无清偿能力的Liquidation 清算Senior executive 高级管理人员fit-and-proper tests 适者上岗测试Resource allocation 资源配置Corporate governance 公司治理Internal control mechanism 内部控制机制,内控机制Sound monetary policy 稳健的货币政策Bank claims 银行债权Rediscount 再贴现Discount 贴现Accounting period 会计期间Market supply & demand 市场供求Enterprise bonds 企业债券Board of directors 董事会Supervisory board 监事会Information disclosure 信息披露Moral hazard 道德风险Rating agency 评级机构. Securities Sector 证券业Derivative 衍生品Primary market 一级市场Exchange 交易所Stock 股票IPO ( initial public or private offering ) 首次公开发行, 首次私募发行Treasury bond ( T-bond ) 国库券,国债Convertible bond 可转换债券ETF ( Exchange Traded Fund ) 交易所买卖基金Warrant 认股证,权证SAR ( Special Administrative Region ) 特别行政区,特区Redemption 赎回Futures 期货Secondary market 二级市场Offering 发行,发售Money market 货币市场Option 期权,选择权Corporate bond 公司债券Commodity futures 商品期货LOF ( Listed Open-ended Fund ) 上市开放式基金Common shares 普通股Retail investor 小额投资者,散户Redeem 赎回,偿还,买卖,履约Coupon 息票Maturity 期限Exercise price 履约价格,执行价格Closed-end fund 封闭式基金Shareholding corporation 控股公司. Fundamental Insurance 保险基础Policy 保单Policyholder 投保人the insured 被保险人the insurer 承保人,保险公司Premium 保险费Particular risk 特定风险Insurablility 可保险,可投保the law of large numbers 大数法则Pooling 共同分担,汇集,筹集资金Fiancial position 财务状况 Exposure 风险敞口,风险Mortality table 死亡统计表,生命表Morbidity table 疾病统计表,健康表Ware 货物General average 共同海损Benevolent societies 慈善会Friendly societies 友情社Marine insurance 海上保险Funeral expense 丧葬费Mean Points about the Text. Banking Sector 银行业The Evolution and Role of the Banking sector in China 中国银行业的演变及其作用 1)Role of Banks A principal repository of liquid funds for the public 公共流动资金的汇聚地 Facilitating efficient allocation of scarce financial resources 促进稀有金融资源有效配置 Transmitting impulses of monetary policy 传导货币政策 National payments mechanism 国民支付机制 Reducing risks through aggregation 通过集中风险而降低风险 2)History of Banking Sector in China 中国银行业历史 A mono-bank the PBC “1” 1948 1984 年独家银行:中国人民银行 4 specialized Banks “ 1 + 4 ” 1984 1993 年四家专业银行 ICBC 中国工商银行 CBC 中国建设银行 BOC 中国银行 ABC 中国农业银行 More banks: “ 1 + 4 + X ” 1993 年至今多家银行 ( “ X ” = 3 + 100 + N ) Three policy banks 三家政策性银行 China Import & Export Bank 中国进出口银行 China Agriculture Development Bank 中国农业发展银行 State Development Bank of China 中国国家开发银行 100 jiont equity commercial banks 100多家股份制商 业银行 N non banks financial sectors 许多家非银行金融机 构 Trust & Investment Co. 信托与投资公司 Securities firms 证券公司 +Finance Co. 财务公司 Insurance firms 保险公司 Urban & Rural Credit Cooperatives 城市和农村信用合作社 属于地方性商业银行2. The Reform and Functions of the Central Bank 中央银行改革及其职能 1)8 Function 八大职能 Formulate & implement monetary policy 制定并实施货币政策 Issue currency & regulate its circulation 发行货币并调节其流通 Manage official international reserves 管理官方国际储备 Regulate interbank money market, inter-bank bond market, foreign exchange market and gold market 调控同业货币市场、同业债券市场、外汇市场和黄金 市场 Act as fiscal agent 代理国库 Maintain payment & settlement system 维护支付和结算体系 Combat money laundering activities 反洗钱 Participate in international financial cooperation 参与国际金融合作 2)The Law of PBC of the P.R.C Effictive on Jan. 1st, 1995 中华人民共和国中国人民银行法1995年1月1日开始 实施3)Further Reform 1997 Structure of the PBC (参阅示例图说明) 1997年进一步改革:中国人民银行体制Headoffice-branch system 总分行体制Four-tier management system 四级管理体制One-tier administrative legal person system 一级行政法人制度The 1st : Headoffice Beijing第一级:总行,设在北京,辖两个管理部 ( 京、渝)The 2nd: 8 regional branches第二级:八大地区分行分布在全国部分主要城市 Shengyang Branch 沈阳分行,辖东北三省(黑、吉、 辽)各中心支行 Chengdu Branch 成都分行,辖西南四省区(川、黔、 云、藏) 各中心支行 Tianjin Branch 天津分行,辖华北四省市(津、冀、晋、蒙) 各中心支行 Wuhan Branch 武汉分行,辖华中三省(鄂、湘、赣)各 中心支行 Jinan Branch 济南分行,辖豫、鲁两省各中心支行 Nanjing Branch 南京分行,辖苏、皖两省各中心支行 Guangzhou Branch 广州分行,辖华南三省(粤、桂、琼) 各中心支行 Xian Branch 西安分行,辖西北五省区(陕、甘、宁、青、 新)各中心 支行+The 3rd : Central sub-branches第三级:中心支行,包含省会城市中心支行和地区中心支行The 4th: 2000 county-level sub-branches responsible for supervising rural financial insitutions第四级:两千多个县支行(负责监管农村金融机构)To the Outside, the PBC performs as only one legal entity and all branches and sub-branches perform their role after authorization (授权)and approval of credit (授信)from the Head Office对外,中国人民银行只有一个法人,其所有的分、支行要经总行授权和授信方可履行其职能4)Indirect monetary policy instruments 间接货币政策工具 Required reserve ratio 法定准备金率 Interest rate adjustment 利率调整 Open market operation 公开市场业务操作 5)Direct monetary policy instruments: credit ceiling; rediscounting 直接货币政策工具:信贷限额;再贴现 6)reform 2003: Transfer of supervisiory functions and focus on financial stability and development of market infrastructure 2003年改革:移交监管职能,关注金融稳定和市场基础 设施发展3. Vigorous Development of Commercial Bank 商业银行的蓬勃发展 Phased reform of SOB: 国有银行分阶段改革 restructuring balance sheets; 重组资产负债表 establishing corporate governance; 建立公司治理 transforming operational machanism; 转换经营机制 inviting strategic investors; 引入战略投资者 listing them in stock market; 上市 making them internationally competitive FI 使之成为有国 际竞争力的金融机构 Joint-equity banks: emerging force 新生力量 operating entirely on commercial basis 完全商业化运作 mainly serving local economic development in large & medium-sized cities 主要服务大中城市当地经济发展 Rural banking institution: viable 农村银行机构:探索可行 性 Relacing NPL 置换不良贷款 Banking Reform: diversification of banking institutions and improved financial services 银行改革:银行金融多元化且 金融服务得以改善4. Increased Openness of the Banking Sector 银行业愈加开放 Presence of foreign banks will help improve the quality of regulation and imformation disclosure 外资银行的参与将有利 于提高监管质量和信息披露 Giving foreign banks NT 给予外资银行国民待遇 Introducing strategic investor 引进战略投资者5. Strengthened Banking Supervisio
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