financialenglish《金融英语》内容结构

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1、(1)CommodityMoney:ismoneywhosevaluecomesfromacommodityoutofwhichitismade.Types(2)RepresentativeMoney:representativefull-bodiedmoneyreferstopapermoneyfullybackedbyapreciousmetal.(3)CreditMoney:isissuedisbasedonthecreditofitsissuerandcreditprocess.(4)ElectronicMoney:referstodepositorymoneyt

2、hatisstoredandprocessedthroughcomputersystemorelectronicpaymentsystem.(l)Mediumofexchange:eliminatesandovercomesthedifficultyofbartersystem.(2)Unitofaccount:providingacommonnumericalmeasureofthevalueofgoodsandFunctionsservicesexchanged.(3)Storevalue:havesomefunctions:savepurchasingpower,d

3、epreciateswithinflation,moreliquid,standardofdeferredpayment(l)Simpleinterest:referstointerestearnedonlyontheprincipaloftheinitialinvestment.Formula:1=PRnS=P+I=P(l+Rn)I得到的利息P本金R每年利息率n付息频率S:本息和Moneyisgenerallyacceptedinthepaymentforgoodsandservicesorintherepaymentofdebt.InterestandInterestI

4、nterestisafeepaidonborrowedassets.InterestRateInterestRatereferstotheratiooftheinterestformedduringtheperiodofborrowingandlendingtotheprincipalofthegrantedloan.MoneySupplyreferstothecollectionofmoneyinaneconomyincludingthevolumeofcurrencyincirculationandthevolumeofdepositsatanypointoftime・

5、(2)Compoundinterest:Interestforpreviousperiodsisaddedtoprincipalforthecalculationofinterest.Formula:s=P(1+r)AnI=S-P(3)Nominalandrealinterestrates.Realinterestratesisapproximatelythenominalinterestrateminustheinflationrate.(4)Officialandmarketinterestrates・Theformerissetbythecentralbanksorm

6、onetaryauthorities.Marketinterestrateiswhollydeterminedbythedemandandsupplyoffunds.(l)Narrowmeasureofmoney:MOandMlIncludecurrencyanddemanddepositusedforeverydayexpenditures.(2)Broadmeasureofmoney:M2andM3NarrowmeasureofmoneyaddstimedepositsandsavingsaccountandcertainotherfinancialassetsChin

7、a"sMonetarySystem1.Renminbiisthelegaltenderandhadnorelationtogold,noranyforeigncurrencies・2.RenminbiisthesolelegalmoneyinChina.3.TheissuanceofRenminbiishighlyconcentratedandthePeople'sBankofChinaholdstherightofissuanceofRenminbi.Definition：Itisthevalueofaforei