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1、货币银行学要点-精简版货币银行学要点-精简版 5。相似与股票和债券的区别是什么？Both are securities which are a source of funds for a corporation and a claim to future streams of payment.Stocks are ownership shares with infinite maturity,while bonds are debt with,in most cases,a finite maturity.都是一个公司和索赔支付未来流之资金 来源证券。股票是无限的成熟股票的所有权，而债券是债务
2、，在大多数情况下，一个有限的成熟。债券固定美元的承诺，而股票的价值是取决于发行人的性能。期货 Futures con tracts represe nt a promise by both sides to make a tran sacti on in the future.期权 Opti ons con tracts represe nt a promise by both sides to make a transaction in the future,the purchaser pay a sum of money to seller.The purchaser has the ri
3、ght but not the obligati on to exercise the opti on.期货合约是一个承诺，双方在未来做个交易。期权合约的独立的权利和义 务。期权的卖方承诺如果购买者的选择要指定的事务。期权的购买者将如果这 样做是有利可图的选择行使期权。买方有权但没有行使期权的义务。拍卖市场 The main feature of an auction market is that participants confront each other directly.拍卖市场的主要特征是，参与者面对对方直接 经纪 人市 场 Brokered markets have seller
4、s employing agents to search for buyers.经销商市场 A dealer market has a dealer continuously buying and sell ing and tak ing positi ons.重的水桶走来时嗓子好的只顾着唱歌力气大的只顾着翻跟头对妈妈手中的水桶视而不见而那个没有什么特别的地方的儿子却跑到妈妈跟前接过了沉甸甸的水桶浅显的文字中包含着朴素而深刻的道理那就是为人子方少时孝与亲所当执学生明口上课时要做到耳到眼到口到心到这个过程不仅培养了学生的观察能力而且调动了学生学习的积极性教学充满乐趣老师的语言主动形象符合儿童的特
5、点老师就以这些特点采用了生动直观进行教学还跟孩子们亲切交谈学生倍感求实识字教学的重点是读准字音加强生字的理解找出认字的规律重点指导做到有比较有示范有指导有评价老师在读音方面有针对性地进行指导如沉甸甸的甸的变调嗓子胳脚晃荡三个词语都是轻声词在认清字形时运用了归类识字方题存款准备金率 Deposit reserve rati on is the cen tral bank that sets the minimum reserves each bank must hold to customer deposits and no tes.作用 1,ensure the liquidity of co
6、mmercial bank funds 2 Adjust the total money supply 贴现率 Commercial banks deal with bill disco unting bus in ess,the bank will deduct the in terest,this in terest rate is the disco unt rate 作用 再贴现率；banks faced with reserve deficits can temporarily borrow reserves from their regi onal Federal Reserve
7、bank at a price 作用1 As a commercial bank funding costs of the refere nee sta ndard 2 Adjust the money supply 3 The discount rate affects the countrys in terest rates 公开市场操作 is an activity by a central bank to buy or sell government bonds on the open market.作用1 Control the size of loans and moneysupp
8、ly.2 The direct effect of interest rates and the interest rate structure重的水桶走来时嗓子好的只顾着唱歌力气大的只顾着翻跟头对妈妈手中的水桶视而不见而那个没有什么特别的地方的儿子却跑到妈妈跟前接过了沉甸甸的水桶浅显的文字中包含着朴素而深刻的道理那就是为人子方少时孝与亲所当执学生明口上课时要做到耳到眼到口到心到这个过程不仅培养了学生的观察能力而且调动了学生学习的积极性教学充满乐趣老师的语言主动形象符合儿童的特点老师就以这些特点采用了生动直观进行教学还跟孩子们亲切交谈学生倍感求实识字教学的重点是读准字音加强生字的理解找出认字的
9、规律重点指导做到有比较有示范有指导有评价老师在读音方面有针对性地进行指导如沉甸甸的甸的变调嗓子胳脚晃荡三个词语都是轻声词在认清字形时运用了归类识字方题大额可转让定期存单(Negotiable Certificate of Deposit 简写为CDS A certificate of deposit with a minimum face value of$100,000.These are guara nteed by the bank and can usually be sold in a highly liquid sec on dary market,but they cannot
10、be cashed-i n before maturity.商业票据(commercial paper)is mostly held by mon eymarket mutual fun ds.It represe nts short-term liabilities of the most creditworthy bus in ess firms 欧洲美元；欧洲美元，它并不是一种特殊的美元，与美国国内流通的美元是同 质的，具有相同的流动性和购买力，所不同的是，欧洲美元不由美国境内金融 机构监管，不受美联储相关银行法规、利率结构的约束。它存放在美国境外的 各国银行、主要是欧洲和美国银行欧洲分
11、行的美元存款，或是从这些银行借到 的美元贷款 U.S.-dollar It is U.S.dollar deposits which is stored in banks outside the USA。They are not subject to U.S.financial institutions management 7.What is the primary differenee between the moneymarket and the capital market?Give three examples of finan cial in strume nts in each.
12、The moneymarket is for short-term borrowing(commercial paper,T-bills,certificates of deposit),and the capital market for Iong-term borrowing or selli ng own ership(stocks,bon ds,mortgages).7。货币市场与资本市场之间的主要区别是什么？在每一个给金融工具三例。货币市场短期借款(商业票据 commercial paper，短期国库券T-bills，存款 单certificates of deposit)，以及资本
13、市场的长期借款或出售股权(股票 stocks，债券 bon ds,，抵押贷款 mortgages)货币市场；money market are the finan cial markets for buying and selli ng with original maturities of one year or less 资本市场：Capital markets are financial markets for the buying and selling of Ion g-term debt or equity-backed securities In direct finance Bo
14、rrower-spe nders借款人 Direct finance ia Saver-le nders 贷 重的水桶走来时嗓子好的只顾着唱歌力气大的只顾着翻跟头对妈妈手中的水桶视而不见而那个没有什么特别的地方的儿子却跑到妈妈跟前接过了沉甸甸的水桶浅显的文字中包含着朴素而深刻的道理那就是为人子方少时孝与亲所当执学生明口上课时要做到耳到眼到口到心到这个过程不仅培养了学生的观察能力而且调动了学生学习的积极性教学充满乐趣老师的语言主动形象符合儿童的特点老师就以这些特点采用了生动直观进行教学还跟孩子们亲切交谈学生倍感求实识字教学的重点是读准字音加强生字的理解找出认字的规律重点指导做到有比较有示范有指导
15、有评价老师在读音方面有针对性地进行指导如沉甸甸的甸的变调嗓子胳脚晃荡三个词语都是轻声词在认清字形时运用了归类识字方题商业银行；A commercial bank is a type of bank that provides services such as accepting deposits,making business loans,and offering basic investment products.作用 1 economic adjustment 2 credit creation 3,the credit intermediary 4 payment intermediar
16、ies 5 Financial Services Money;money is just what you think it is-what you spend when you want to buy something 作用 1a means of payment 2a store of value 3a standard of value 4a medium of exchange 流动性资产(liquid assets):Liquid assets are the things that a person or company owns which can be quickly tur
17、ned into cash if necessary 重的水桶走来时嗓子好的只顾着唱歌力气大的只顾着翻跟头对妈妈手中的水桶视而不见而那个没有什么特别的地方的儿子却跑到妈妈跟前接过了沉甸甸的水桶浅显的文字中包含着朴素而深刻的道理那就是为人子方少时孝与亲所当执学生明口上课时要做到耳到眼到口到心到这个过程不仅培养了学生的观察能力而且调动了学生学习的积极性教学充满乐趣老师的语言主动形象符合儿童的特点老师就以这些特点采用了生动直观进行教学还跟孩子们亲切交谈学生倍感求实识字教学的重点是读准字音加强生字的理解找出认字的规律重点指导做到有比较有示范有指导有评价老师在读音方面有针对性地进行指导如沉甸甸的甸的变调嗓子胳脚晃荡三个词语都是轻声词在认清字形时运用了归类识字方题