单选2*5判断1*10中英互译8*5（中译英3，英译中2）名词解释5*6小作文10*1 结论+论据（5到6句话）单项选择比考点HKD 港币hongkongDEM 德国马克（Deutsche Mark）GermanyCHF 瑞士法郎SWITZERLAND 瑞士SEK 瑞典克朗sweden 瑞典BEF 比利时法郎Belgium 比利时CAD 加拿大元CanadaUSDGBP 英镑GREAT BRITAINITL 意大利里拉ItalyNLG 荷兰盾hollandNOK挪威克郎norwayDKK丹麦克朗denmarkFRF法国法郎franceJPY 日元AudESP 西班牙基点0.01% one hundredth of one percent名词解释Central bank: a financial institution designated by the central government to formulate and implement monetary policy and tosupervise and regulate the financial industrySavings（current）deposit(活期储蓄存款)：Savings（current）deposit is a method of deposit that sets no limit on length of maturity,time and amount of deposit and withdrawl.Time deposit :It is a kind of deposit with a definite length of maturity,deposited and,withdrawn together with the interest in a lump sum or by installmentTime deposit of lump-sum deposit and withdrawal(整存整取定期储蓄存款)（50元）:It is a kind of deposit with a definite length of maturity,deposited and,withdrawn together with the interest and principal in a lump sumTime deposite of small savings for lump-sum withdrawl(零存整取定期存款)(5元)It is a kind of deposit thar the length of maturity and a fixed amount of deposit are agreed at the time of account opening, and money is deposited by monthTime deposite of principal receiving and interest withdrawal(存本取息定期储蓄存款)5000It refers to savings deposit whose principal is deposited by lump sum,whose interset is withdrawn by installment and whose principal is repaid when on due date.Time or savings optional deposit (定活两便储蓄存款) 50It is a kind of deposit with indefinite length of maturity whose interest rate varies in line with the length of maturity.Housing loansThey are loans granted by bank to borrowers to facilitate their housing purchasses.Housing loans for personal possessionThey are loans granted by bank to borrowers to facilitate their housing purchasses by taking credit funds (信贷资金)from the bank as the sourse of paymentHousing loans on AuthorizationThey refer to loans to individuals who buy ordinary houses granted by the bank on the authorization of the public reserve fund management department, according to the prescribed requirements,and with the public reserve deposits as the source of funding.Auto loansThey are Renminbi consumer-loans granted to individuals or legal persons to finance the purchases of carsCommercial education loanCommercial education loan refers to consumer loans granted by the lender to borrowers to finance the tuition and miscellaneous fees of the borrowers or the persons under their legal guardianship in studyin at domestic secondary schools or ordinary higher learning institutes or for master’s or doctor’s degree,or studing at universities or for master’s or doctor’s d egree outside chinaState education loansState education loans refer to educational loans granted by the lender to borrowers that are given fiscal interest discounts by the central financial authorities or local financial sectoes,and are used for the tuition and micellaneous fees,lodging and livin expenses of the borrowers in studying at domestic higher learing instirutes for full-time undergraduate,professional,or graduate courses. Small consumer credit loansSmall consumer credit loans are consumer credit loans granted by the lender to borrowers with good credit standing to facilitate normal consumption,labor service and other fee payments.Expected rate of return 预期收益率The rate of return that we expect to earn when we loan money to someone or invest in a businessThe earnings or profit on money we lend or invest expressed as a percentage of the amount of money loaned or investedThe possibility that a loan or investment will not produce the return we expect or that we will actually lose money.Risk is the financial uncertainty that the actual return on an investment will be different from the expected return,Factors of risk that can affect an investment include inflation orA draft accepted by a bank and used as a form of borrowing in the money marketCapital market 资本市场Markets for financial assets and liabilities with maturity greater than one year,including long-term government and corporate bonds,preferred stock,and common stock.Money obtained by issuin this type of instrument is repayable after one yeat and in the case of most equity securities,it is not expected to be repaid.Capital Structure 资本结构The proportion of debt and equity and the particular forms of debt and equity chosen to finance the assets of the firmDefault risk 违约风险The uncertainty that some or all of an investment may nor be returnedLiquidity 流动性，变现能力Liquidity is the ease with which financial assets can be converted to cash without creating a substancial change in price or value.Liquidity is influenced by the amount of float in the security,investor interest and size of the investment being converted to cashPrivate placement 私募配售A securities issue privately placed with a small group of investors rather than through a publicShares that pay a fixed dividend and have a claim on the assets of a corporation ahead of the common shareholdersCapital gain 资本利得The amount of profit realized when an asset sold at a price higher than the purchase price. Capital loss 资本损失The amount of profit realized when an asset sold at a price less than the purchase price. Discount 贴现（单选）The margin by which the purchase price is cheaper than the redemption 赎回；偿还；补救price.If a bond is selling below its face value,it is said to sell at a discount.The return earned on an investment taking into account the annual income and its present capital value.There are a number of different types of yield and in some cases different methods of calculating each type.Yield to maturity 到期收益率The discout rate that equates the present value of interest payments and redemption n.赎回；偿还；补救value with the present price of the bondZero coupon bond 零息债券Bonds that are sold at a deep discount and pay no interestRegistered bonds 记名债券Bonds for which each issuer maintains a record of its bonds.countries requiring thar bonds be issued in registered form include the United States and Japan不记名债券Bearer bondsCommon shareSecurity representing equity ownership ina corporation;holders of common shares have the rightto elect the directors and receive dividends;common shareholders rank after creditors, bondholders and preferred shareholders.Private placement 私募配售A securities issue privately placed with a small group of investors rather than through a public offeringAt the time of account opening,you will be asked to fill in a deposit slip,and the savings outlet will give you a certificate of deposit agaist which the principal and interest may be withdrawn at tine of maturity当账户开立时，开户时，你会被要求填写一张存款单，并且储蓄机构会给你一个存款证明关于本金和利息可以在到期时收回。