大学金融英语一课件陈庆柏 王景仙ISBN 9787566304827 PPTchapter 15.pptVIP

Chapter Fifteen General Introduction Learning objectives After learning this chapter you should be able to: 1. Define the term of financial institution 2. Give the reason for studying financial institutions 3. Know how to classify financial institutions 4. Have some basic knowledge of the risk management of financial institutions 5. Answer the question of why financial institutions must be regulated and illustrate the difference between financial regulation in the U.S. and abroad. Notes I. New Words 1. income-generating 能产生收入的 2. to differentiate vt. 构成差别 3. aggregate a. 合计的，总的 4. depository a. 吸收存款的（它与“non-depository”相对） 5. boundary n. 分界线 Notes 6. to fluctuate vi. 波动，涨落 7. to crush vi. 崩溃 8. speculative a. 投机性的 9. unprecedented a. 史无前例的，空前的 10. undercapitalized a. 资本不足a company with insufficient capital to meet its due creditors even though it is making an accounting profit Notes II. Useful and Idiomatic Expressions 1. to fall into 分为，分成to split into 2. to make use of... 利用to utilize or to use 3. to act as... 充当…… 4. to have important effects on sth. 对……有重要影响 5. to be referred to as... 被称之…… Notes 6. to make loan to sth. 向某人提贷款 to lend money to sb. 7. in the case of... 就……来说 8. to play an important role 发挥重要作用 9. to be required for 因为……目的而被要求 10. pertaining to... 关于，e.g. His remarks did not pertain to the question. 他的话同此问题不相关 Notes III. Key Terms 1. financial asset 金融资产（如：贷款、证券和银行存款等） 2. financial markets 金融市场（主要由the money and capital markets组成） 3. thrifts n. 节俭机构（在美国指储蓄与放款协会（savings and loan associations）互助储蓄银行（mutual savings banks）以及信用协会（credit unions））thrifts = thrift institutions 4. brokerage firm 经纪人商行 Notes 5. balance sheet 资产负债表a list of the assets and liabilities of a bank (or firm) that balances 6. financial instruments 金融工具a claim on the borrower’s future income that is sold by the borrower to the lender, such as cheques and bill of exchange 7. reserve requirements 法定存款准备金规定=regulations making it obligatory for depo