金融英语综合辅导之银行的业务:重点归纳

 　　金融英语综合辅导之银行的业务:重点归纳

　　第一章： The Hong Kong banking¹ system – an introduction 1

　　第二章 Money， banking and the economy 4

　　第三章： The Hong Kong banking regulations-capital adequacy and liquidity² ratios， the limitations and restrictions³ of banking practices 5

　　第四章： International banking- regulatory and market development 7

　　第五章 financial institutions， the capital and money markets 8

　　第六章bank clearing system and fund transfer 10

　　第七章 banking business for the personal sector⁴ 11

　　第八章 banking services for the business sector 12

　　第九章 private banking and merchant banking 14

　　第十章 The banks’ role in international trade 15

　　第十一章 Financing foreign trade- documentary credits and collections， shipping⁵ terms and documents 17

　　第十二章 International money transaction 20

　　第十三章 Foreign exchange 22

　　第十四章 Basic considerations in granting credit facilities 24

　　第十五章 Types of advances 25

　　第十六章 Special types of borrower – the commercial sector 26

　　第十七章 Securities for lending 28

　　第十八章 Balance sheet analysis 29

　　第十九章 Advance control 30

　　第一章： The Hong Kong banking system – an introduction

　　l The main features of the three-tier system

　　The essential feature of the change in the system is that the old categories of the Licensed⁷ Deposit –Taking Companies （LTDS） and the Registered Deposit-taking Companies （RTDS） were replaced by two new categories， the restricted licensed banks （RLBs） replace the LTDS and the deposit taking companies （DTCS） replace the RDCs.

　　There is no change in respect of Licensed Banks except that the minimum paid-up share capital for locally incorporated banks is increased from HK$100 million to HK$150 million.

　　The word “bank” or its derivatives⁹ must be qualified¹⁰ by adjectives such as “merchant” or “investment”， so that they are clearly differentiated¹¹ from licensed banks. However， terms such as “commercial “or “retail¹²” are not acceptable.

　　A RLB incorporated overseas may trade under its corporate⁸ name， even though that name includes the word “bank”（or its derivatives）， however， the name must be used immediately in conjunction with the phrase “restricted licensed bank”。

　　The minimum paid-up shares capital requirement is now HK$25 million instead of HK $10

　　million as before.

　　l The implications of the system

　　Sound overseas banks， even though they do not meet the approval criteria¹³ for a full license⁶， are now allowed to branch into HK as RLBs， as an alternative to setting up a subsidiary here.

　　1. Direct entry to the tier of RLB is allowed.

　　2. The status of RLB is superior to that of the LDTC where a RLB is incorporated overseas.

　　3. Overseas banks are newly –authorized¹⁴ RLBs in branch form are allowed to operate only from offices in one building

　　4. Local banks traditionally operate in the retail market whereas overseas banks authorized as RLBs are mainly carrying on merchant banking business.

1 banking   

n.银行业，银行学，金融业

参考例句：

• John is launching his son on a career in banking.约翰打算让儿子在银行界谋一个新职位。
• He possesses an extensive knowledge of banking.他具有广博的银行业务知识。

2 liquidity   

n.流动性，偿债能力，流动资产

参考例句：

• The bank has progressively increased its liquidity.银行逐渐地增加其流动资产。
• The demand for and the supply of credit is closely linked to changes in liquidity.信用的供求和流动资金的变化有密切关系。

3 restrictions   

约束( restriction的名词复数 )； 管制； 制约因素； 带限制性的条件（或规则）

参考例句：

• I found the restrictions irksome. 我对那些限制感到很烦。
• a snaggle of restrictions 杂乱无章的种种限制

4 sector   

n.部门，部分；防御地段，防区；扇形

参考例句：

• The export sector will aid the economic recovery. 出口产业将促进经济复苏。
• The enemy have attacked the British sector.敌人已进攻英国防区。

5 shipping   

n.船运（发货，运输，乘船）

参考例句：

• We struck a bargain with an American shipping firm.我们和一家美国船运公司谈成了一笔生意。
• There's a shipping charge of ￡5 added to the price.价格之外另加五英镑运输费。

6 license   

n.执照，许可证，特许；v.许可，特许

参考例句：

• The foreign guest has a license on the person.这个外国客人随身携带执照。
• The driver was arrested for having false license plates on his car.司机由于使用假车牌而被捕。

7 licensed   

adj.得到许可的v.许可，颁发执照(license的过去式和过去分词)

参考例句：

• The new drug has not yet been licensed in the US. 这种新药尚未在美国获得许可。
• Is that gun licensed? 那支枪有持枪执照吗？

8 corporate   

adj.共同的，全体的；公司的，企业的

参考例句：

• This is our corporate responsibility.这是我们共同的责任。
• His corporate's life will be as short as a rabbit's tail.他的公司的寿命是兔子尾巴长不了。

9 derivatives   

n.衍生性金融商品；派生物，引出物( derivative的名词复数 )；导数

参考例句：

• Many English words are derivatives of Latin words. 许多英语词来自拉丁语。 来自《简明英汉词典》
• These compounds are nitrosohydroxylamine derivatives. 这类合成物是亚硝基羟胺衍生物。 来自辞典例句

10 qualified   

adj.合格的，有资格的，胜任的，有限制的

参考例句：

• He is qualified as a complete man of letters.他有资格当真正的文学家。
• We must note that we still lack qualified specialists.我们必须看到我们还缺乏有资质的专家。

11 differentiated   

区分，区别，辨别( differentiate的过去式和过去分词 )； 区别对待； 表明…间的差别，构成…间差别的特征

参考例句：

• The development of mouse kidney tubules requires two kinds of differentiated cells. 小鼠肾小管的发育需要有两种分化的细胞。
• In this enlargement, barley, alfalfa, and sugar beets can be differentiated. 在这张放大的照片上，大麦，苜蓿和甜菜都能被区分开。

12 retail   

v./n.零售；adv.以零售价格

参考例句：

• In this shop they retail tobacco and sweets.这家铺子零售香烟和糖果。
• These shoes retail at 10 yuan a pair.这些鞋子零卖10元一双。

13 criteria   

n.标准

参考例句：

• The main criterion is value for money.主要的标准是钱要用得划算。
• There are strict criteria for inclusion in the competition.参赛的标准很严格。

14 authorized   

a.委任的，许可的

参考例句：

• An administrative order is valid if authorized by a statute.如果一个行政命令得到一个法规的认可那么这个命令就是有效的。