金融英语第二版刘文国课后翻译题答案概要.doc

中译英： 一.1.金融管理是商业管理的重要方面之一，没有合适的金融计划企业是不可能成功的。 Finance is one of the most important aspects of business management. Without proper financial planning a new enterprise is unlikely to be successful. 2.金融中介机构的基本宗旨是把不受公众欢迎的金融资产转变为他们能够接受的金融资产。 Financial intermediaries play the basic role of transforming financial assets that less desirable for a large part of the public into other financial assets-their own liabilities-which are more widely preferred by the public. 3.企业经营是有风险的，因而，财务经理必须对风险进行评估和管理。 Businesses are inherently risky, so the financial manager has to identify risks and make sure they are managed properly. 4.投资决策首先是指投资机会，常常指资本投资项目。 The investment decision stars with the identification of investment opportunities, often referred to as capital investment projects. 5.现金预算常常被用来评估企业是否有足够的现金来维持企业的日常经营运转和（或）是否有太多现金富裕。 Cash budgets are often used to assess whether the entity has sufficient cash to fulfill regular operations and/or whether too much cash is being left in unproductive capacities. 6.按照金融学的观点，资本就是企业购买商品以生产其它商品或提供服务的货币资金。 Capital, in the financial sense, is the money that gives the business the power to buy goods to be used in the production of other goods or the offering of a service. 四.1.商业银行应积极开展电话银行转账功能风险评估和分类，依据收款账户的潜在风险高低，相应设置不同的转账额度和次数限制。 A commercial bank shall actively conduct the risk assessment and classification of the telephone banking transfer functions, and set different limits on the transfer amount and times according to the degree of potential risks on the recipient account. 2.商业银行相对其他行业属于信息化程度较高的行业，银行数据库里积累了海量的客户信息 Commercial banks have gained more information and have large scale of data. 3.商业银行的管理人员在分析客户的贷款申请时必须考虑许多因素。Managers in Commercial banks have to consider many factors in analyzing a customers loan request. 4.除中国银行外，交通银行、农业银行、工商银行、建设银行在城乡也都设立了多的机构，便于你获得金融服务。Besides the Bank of China, the Communication Bank, Agricultural Bank, Industrial and Commercial Bank, Construction Bank also have created many branches in a city or town,