金融英语quiz答案(展示版)

I、

II、 名词互译

1． Discharge of debts清偿债务 2． A means of payment支付方式 3． Standard of value价值尺度

4． Conincidence of wants需求吻合 5． Legal tender法定货币 6． National income国民收入 7． Nominal demand名义需求 8． Human capital人力资本

9． Consumer Price Index消费价格指数

10． Price relatives价格相对数 11． Compound interest复利

12． Comsumption credit消费信贷 13． Treasury note中期债券

14． Commercial paper商业票据 15． Repurchase agreement回购协议 16． Institutional banking机构银行业务

17． Residental mortgage lending住房抵押贷款

18． Consumer installment loan分期消费贷款

19． Corporate restructuring公司重组 20． Secured loan抵押贷款

21． Open market operation公开市场操作

22． Reserve requirement法定存款准备金率

23． Target rate目标利率

24． Floating interest rate浮动利率 25． Bid-ask spread买卖差价

1.支票清算check clearing 2.撤资divestiture

3.助学贷款student loan

4.消费支出consumer spending 5.商业银行commercial bank 6.政策目标policy goal 7.中央银行central bank 8.不兑现纸币fiat money 9.货币基数monetary base

10. 个人银行业务individual banking

11. 金融市场financial market 12. 直接融资direct financing 13. 长期信贷long-term credit 14. 银行承兑banker’s acceptance 15. 规模经济scale economy 16. 国民总产出national output 17. 实物资本physical capital

18. 工业产品指数Producer Price Index 19. 复利compound interest

20. 收入分配distribution of income 21. 交换媒介medium of exchange 22. 银行存款bank deposits 23. 延迟支付deferred payment 24. 专业化分工specialization 25. 物物交换barter

III、 请简要回答下列问题(仅供参考) 1.what are the major functions of money? Give some examples to show the each function of money.

Answer: Standard of value, medium of

exchange, store of value and standard of deferred payments.

2.what are the effects of inflation and deflation on business?

Answer: The effects of inflation: Profit illusion at initial stage and loss later and maybe recession or depression coming next.

The effects of deflation: Less profit immediately.

3.how will the change in money’s value redistribute people’s income and wealth?

Answer: In the situation of inflation, creditors suffer, in the situation of deflation, debtors suffer.

4.what are the attributes of credit instruments?

Answer: Yield, liquidity and safety.

5.what is the relationship between yield and safety of credit instruments?

Answer: The higher yield means the

lower the safety.

6.what is included in banks’ assets? Answer: Cash; Securities: Loans

7.why are commercial banks relatively safer than other types of financial institutions? Answer:

8.what is individual banking? Give an example in your daily life? Answer: Individual banking encompasses consumer lending, residential mortgage lending, consumer installment loans, credit card financing and so on.

9.what are the major functions of central banks? Answer:

Issuing a common currency, clearing payments, regulating banks and acting as a “lender of last resort” for banks in financial trouble.

10. what challenge is faced by central

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