推荐第1篇：金融英文词汇
big macs,big/large-cap stock,mega-iue 大盘股 offering,list 上市 bourse 证交所
corporate champion 龙头企业 Shanghai Exchange 上海证交所 pension fund 养老基金 mutual fund 共同基金
hedge mutual fund 对冲式共同基金 share 股票 valuation 股价 underwriter 保险商
government bond 政府债券 saving account 储蓄帐户 equity market 股市 shareholder 股东 delist 摘牌
mongey-loser 亏损企业 inventory 存货
traded company,trading enterprise 上市公司 stakeholder 利益相关者
transparency 透明度
market fundamentalist 市场经济基本规则 damage-contral machinery 安全顾问 efficient market 有效市场
intellectual property 知识产权 opportunistic practice 投机行为 entrepreneur 企业家 cook the book 做假帐
regulatory system 监管体系 portfolio 投资组合
money-market 短期资本市场 capital-market 长期资本市场 volatility 波动
diversification 多元化 real estate 房地产 option 期权
call option 看涨期权 put option 看跌期权 merger 并购
arbitrage 套利
Securities and Exchange Commiion 〈美〉证券交易委员会 dollar standard 美元本位制 budget 预算 deficit 赤字 bad debt 坏帐
macroeconomic 宏观经济 fiscal stimulus 财政刺激 a store of value 保值
transaction currency 结算货币 forward exchange 期货交易
intervention currency 干预货币 Treasury bond 财政部公债 current-account 经常项目 pickup in rice 物价上涨 Federal Reserve 美联储 inflation 通货膨胀 deflation 通货紧缩
tighter credit 紧缩信贷
monetary policy 货币政策 foreigh exchange 外汇
spot transaction 即期交易 forward transaction 远期交易
option forward transaction 择期交易 swap transaction 调期交易 quote 报价
settlment and delivery 交割 buying rate 买入价 selling rate 卖出价
spread 差幅 contract 合同 at par平价 premium 升水 discount 贴水
direct quoation method 直接报价法 indirect quoation method 间接报价法 dividend 股息 domestic currency 本币
floating rate 浮动利率 parent company 母公司 credit swap 互惠贷款
venture capital 风险资本 book value 帐面价值
physical capital 实际资本
IPO(initial public offering) 新股首发；首次公开发行 job machine 就业市场
welfare capitalism 福利资本主义 collective market cap 市场资本总值 golbal corporation 跨国公司 transnational status 跨国优势 transfer price 转让价格 consolidation 兼并 leverage 杠杆
Federal Reserve 美联储
financial turmoil/meltdown 金融危机 file for bankruptcy 申请破产 bailout 救助
take over 收购
buy out 购买(某人的)产权或全部货物 go under 破产
take a nosedive （股市）大跌 tumble 下跌 falter 摇摇欲坠 on the hook 被套住
shore up confidence 提振市场信心 stave off 挡开, 避开
liquidate aets 资产清算 at fire sale prices 超低价 sell-off 证券的跌价
account number 帐目编号
depositor 存户
pay－in slip 存款单
a deposit form 存款单
a banding machine 自动存取机
to deposit 存款
deposit receipt 存款收据
private deposits 私人存款
certificate of deposit 存单
deposit book， pabook 存折
credit card 信用卡
principal 本金
overdraft， overdraw 透支
to counter sign 双签
to endorse 背书
endorser 背书人
to cash 兑现
to honor a cheque 兑付
to dishonor a cheque 拒付
to suspend payment 止付
cheque，check 支票
cheque book 支票本
order cheque 记名支票
bearer cheque 不记名支票
croed cheque 横线支票
blank cheque 空白支票
rubber cheque 空头支票
cheque stub， counterfoil 票根
cash cheque 现金支票
traveler's cheque 旅行支票
cheque for transfer 转帐支票
outstanding cheque 未付支票
canceled cheque 已付支票
forged cheque 伪支票
Bandar's note 庄票，银票
banker 银行家
president 行长
savings bank 储蓄银行
Chase Bank 大通银行
National City Bank of New York 花旗银行
Hongkong Shanghai Banking Corporation 汇丰银行
Chartered Bank of India， Australia and China 麦加利银行
Banque de I'IndoChine 东方汇理银行
central bank， national bank， banker's bank 中央银行
bank of iue， bank of circulation 发行币银行
commercial bank 商业银行，储蓄信贷银行
member bank， credit bank 储蓄信贷银行
discount bank 贴现银行
exchange bank 汇兑银行
requesting bank 委托开证银行
iuing bank， opening bank 开证银行
advising bank， notifying bank 通知银行
negotiation bank 议付银行
confirming bank 保兑银行
paying bank 付款银行
aociate banker of collection 代收银行
consigned banker of collection 委托银行
clearing bank 清算银行
local bank 本地银行
domestic bank 国内银行
overseas bank 国外银行
unincorporated bank 钱庄
branch bank 银行分行
trustee savings bank 信托储蓄银行
trust company 信托公司
financial trust 金融信托公司
unit trust 信托投资公司
trust institution 银行的信托部
credit department 银行的信用部
commercial credit company（discount company）商业信贷公司（贴现公司）
neighborhood savings bank， bank of deposit 街道储蓄所
credit union 合作银行
credit bureau 商业兴信所
self－service bank 无人银行
land bank 土地银行
construction bank 建设银行
industrial and commercial bank 工商银行
bank of communications 交通银行
mutual savings bank 互助储蓄银行
post office savings bank 邮局储蓄银行
mortgage bank， building society 抵押银行
industrial bank 实业银行
home loan bank 家宅贷款银行
reserve bank 准备银行
chartered bank 特许银行
corresponding bank 往来银行
merchant bank， accepting bank 承兑银行
investment bank 投资银行
import and export bank （EXIMBANK）进出口银行
joint venture bank 合资银行
money shop， native bank 钱庄
credit cooperatives 信用社
clearing house 票据交换所
public accounting 公共会计
busine accounting 商业会计
cost accounting 成本会计
depreciation accounting 折旧会计
computerized accounting 电脑化会计
general ledger 总帐
subsidiary ledger 分户帐
cash book 现金出纳帐
cash account 现金帐
journal， day－book 日记帐，流水帐
bad debts 坏帐
investment 投资
surplus 结余
idle capital 游资
economic cycle 经济周期
economic boom 经济繁荣
economic receion 经济衰退
economic depreion 经济萧条
economic crisis 经济危机
economic recovery 经济复苏
inflation 通货膨胀
deflation 通货收缩
devaluation 货币贬值
revaluation 货币增值
international balance of payment 国际收支
favourable balance 顺差
adverse balance 逆差
hard currency 硬通货
soft currency 软通货
international monetary system 国际货币制度
the purchasing power of money 货币购买力
money in circulation 货币流通量
note iue 纸币发行量
national budget 国家预算
national gro product 国民生产总值
public bond 公债
stock， share 股票
debenture 债券
treasury bill 国库券
debt chain 债务链
direct exchange 直接（对角）套汇
indirect exchange 间接（三角）套汇
cro rate， arbitrage rate 套汇汇率
foreign currency （exchange） reserve 外汇储备
foreign exchange fluctuation 外汇波动
foreign exchange crisis 外汇危机
discount 贴现
discount rate， bank rate 贴现率
gold reserve 黄金储备
money （financial） market 金融市场
stock exchange 股票交易所
broker 经纪人
commiion 佣金
bookkeeping 簿记
bookkeeper 簿记员
an application form 申请单
bank statement 对帐单
letter of credit 信用证
strong room， vault 保险库
equitable tax system 等价税则
specimen signature 签字式样
banking hours， busine hours 营业时间
推荐第2篇：金融系英文求职信
Dear leaders:
Hello!
I am a profeional international trade of Guangdong XX University students willing to twenty years of accumulated knowledge and the ability of exercise contribute to your organization and can do my best for your company to contribute to the progre and development of all power.Sincerely hope that your organization give me a chance!
I know, \"Opportunity only favors the prepared mind.\" In school, I seize every opportunity to learn all aspects of knowledge, ability to exercise all aspects of their own to make themselves towards the needs of modern society compound innovative talent development.My English to six, the computer through the national secondary, provincial secondary (excellent), and year after year scholarship.In the effort to learn the knowledge at the same time, I also range widely in philosophy, law, literature, economics and other fields, other than completing a profeional course in the economic field and more, and a minor in Busine English, self-study a second foreign language --- - German.
College, never late and leave early, on time and complete their work independently and exams.University examinations, to ensure that all of the real.CET-6, although not qualified to state line, but I did not give up, you can not find work because of cheating employers.Companies need to really was real material excellent quality products to gain market, products need to create smart and honest people.I think I have a CET-6 in oral and written, sensible businees will not have a certificate and a growth potential of prospective employees turned away.Good people eclectic enterprise applications, rules and regulations strictly!.
Enclosed please find my resume, if any, opportunity to interview with you, I would be very grateful.Even if you think I do not meet your conditions, I will continue to concern the development of your company, and Yours the most sincere wishes.
Sincerely,
Salute
推荐第3篇：金融系英文自荐信
金融系英文自荐信一文由好范文为你整理提供~
Dear leaders:
Hello!
I am a profeional international trade of Guangdong XX University students willing to twenty years of accumulated knowledge and the ability of exercise contribute to your organization and can do my best for your company to contribute to the progre and development of all power.Sincerely hope that your organization give me a chance!
I know, \"Opportunity only favors the prepared mind.\" In school, I seize every opportunity to learn all aspects of knowledge, ability to exercise all aspects of their own to make themselves towards the needs of modern society compound innovative talent development.My English to six, the computer through the national secondary, provincial secondary (excellent), and year after year scholarship.In the effort to learn the knowledge at the same time, I also range widely in philosophy, law, literature, economics and other fields, other than completing a profeional course in the economic field and more, and a minor in Busine English, self-study a second foreign language --- - German.
College, never late and leave early, on time and complete their work independently and exams.University examinations, to ensure that all of the real.CET-6, although not qualified to state line, but I did not give up, you can not find work because of cheating employers.Companies need to really was real material excellent quality products to gain market, products need to create smart and honest people.I think I have a CET-6 in oral and written, sensible businees will not have a certificate and a growth potential of prospective employees turned away.Good people eclectic enterprise applications, rules and regulations strictly!.
Enclosed please find my resume, if any, opportunity to interview with you, I would be very grateful.Even if you think I do not meet your conditions, I will continue to concern the development of your company, and Yours the most sincere wishes.
Sincerely,
xiexiebang
推荐第4篇：金融英文参考杂志
国外金融方面有
三、四个主要的学报：
①Journal of Finance，
②Journal of Financial Economics，
③Review of Financial Studies。
这三个比较起来，Journal of Finane的主编，很不喜欢纯数学的论文。可能Review Of Financial Studies是最喜欢数理模型的，当然既有理论，又有数据支持的最好。另外，Journal of Financial Economics发表的公司财务方面的文章很多，Review of Finacial Studies比较倾向于所谓的市场微观结构、资产定价和期权定价这些方面，而Journal of Finance可能是这三个里面最综合的，当然现在他的主编比较倾向于资本市场理论方面的文章，他也更喜欢数学模型一些。
推荐第5篇：金融专业英文自荐信[版]
Dear Ms./ Mr.:
Hello! Thank you for your busy schedule to put themselves forward more of my material.
I am a financial department of Nanjing Audit University, a 00 graduates.
In order to become a competition of contemporary social needs of personnel, four-year universities in the learning proce, I hard work, academic excellence, scholarships have been awarded and has a one-time English through national CET (CET-6) and Jiangsu province Computer three-tier (VFp5.0) examination.
Learning, I also actively participated in various social activities, as student leaders, and made a number of outstanding achievements.Four years of social work practice, let me out of one day living in an ivory tower image of the traditional college students, not only exercise my ability to organize and coordinate, but also made me understand that you want to do a job first of all must love the job .In addition, I also actively participated in physical exercise, and I have created the capacity to bear any responsibility physique.
I love my profeion, and I will be doing the job of a cavity filled with warm and dry out the determination of a cause.All you need to pay a little confidence, I will return you unlimited!
Look forward to working with your interviews!
Sincerely,
Salute
推荐第6篇：金融系毕业生英文求职信
英文求职信范文1
Dear Sir / Mi:
Hello! I am a forthcoming Busine School and graduated from college students in Hangzhou.I am honored to have the opportunity presented to you my personal data.I have learned at the university for finance profeionals, which is your company\'s development is closely related to, during school, study hard, serious practice, train and exercise the themselves to adapt to the competitive ability of modern society.
I was in a life full of energy at the moment, I desire in a broader world to demonstrate their talents, I am not satisfied with the existing level of knowledge, the expectations have been tempered in practice and improve, so I hope you can join the unit.I will do a good job of their own, do all the work achieved in the results.I believe that through their own hard work and efforts, will make its due contribution to
Thank you for your busy schedule to give him my concern and would like your organization thriving career, achievements, and wish your busine every succe in the future!
I hope that the leadership can be taken into account for me, I eagerly look forward to hearing from you! Thanks!
Sincerely,
Salute!
英文求职信范文2
Dear Sir/Madam:
Your advertisement for a Network Maintenance Engineer in the April 10 Student Daily interested me bacause the position that you described sounds exactly like the kind of job I am seeking.
According to the advertisement ,your position requires top university,Bachelor or above in Computer Science or equivalent field and proficient in Windows NT4.0 and LINUX System.I feel that I am competent to meet the requirements.I will be graduating from Graduate School of Tsinghua University this year with a M.S.degree .My studies have included courses in computer control and management and I designed a control simulation system developed with Microsoft Visual InterDev and SQL Server.
During my education, I have grasped the principals of my major and skills of practice.Not only have I paed CET-6, but more important I can communicate with others freely in English.My ability to write and speak English is out of question.
I would appreciate your time in reviewing my enclosed resume and if there is any additional information you require, please contact me.I would welcome an opportunity to meet with you for a personal interview.
推荐第7篇：金融常用词汇英文对照表
常见金融词汇汇集big macs,big/large-cap stock,mega-iue 大盘股 offering,list 上市
bourse 证交所
corporate champion 龙头企业 Shanghai Exchange 上海证交所 pension fund 养老基金
mutual fund 共同基金
hedge mutual fund 对冲式共同基金 share 股票
valuation 股价
underwriter 保险商
government bond 政府债券
saving account 储蓄帐户
equity market 股市
shareholder 股东
delist 摘牌
mongey-loser 亏损企业
inventory 存货
traded company, trading enterprise 上市公司 stakeholder 利益相关者
transparency 透明度
Msnbc: Microsoft national broadcast 微软全国广播公司 market fundamentalist 市场经济基本规则 damage-contral machinery 安全顾问 efficient market 有效市场
intellectual property 知识产权 opportunistic practice 投机行为 WorldCom 世通公司
bribery 行贿
entrepreneur 企业家
cook the book 做假帐
regulatory system 监管体系
audit 审计
accounting firm 会计事务所
Great Depreion 大萧条
portfolio 投资组合
money-market 短期资本市场
capitual-market 长期资本市场 volatility 波动
diversification 多元化
commodity 期货
real estate 房地产
option 期权
call option 看涨期权
put option 看跌期权
merger 并购
arbitrage 套利
Securities&Exchange Commiion 〈美〉证券交易委员会 dollar standard 美元本位制
flight 贬值
budget 预算
deficit 赤字
bad debt 坏帐
output 产值
macroeconomic 宏观经济
fiscal stimulus 财政刺激
a store of value 保值
transaction currency 结算货币
forward exchange 期货交易
intervention currency 干预货币
Treasury bond 财政部公债
currnt-account 经常项目
pickup in rice 物价上涨
Federal Reserve 美联储
inflation 通货膨胀
deflation 通货紧缩
tighter credit 紧缩信贷
monetary policy 货币政策
awash in exce capacity 生产力过剩
foreigh exchange 外汇
spot transaction 即期交易
forward transaction 远期交易
option forward transaction 择期交易
swap transaction 调期交易
quote 报价
settlment and delivery 交割
buying rate 买入价
selling rate 卖出价
spread 差幅
contract 合同
at par平价
premium 升水
discount 贴水
direct quoation method 直接报价法
indirect quoation method 间接报价法
dividend 股息
domestic currency 本币
floating rate 浮动利率
parent company 母公司
credit swap 互惠贷款
venture capital 风险资本
virtual value 虚拟价值
physical good 物质产品
abstract good 抽象产品
Patent&Trademark Office 专利与商标局
book value 帐面价值
physical capital 实际资本
IPO:initial public offering 新股首发
job machine 就业市场
welfare capitalism 福利资本主义
collective market cap 市场资本总值
golbal corporation 跨国公司
transnational status 跨国优势
transfer price 转让价格
General Accounting Office 〈美〉会计总会
consolidation 兼并
leveraged 杠杆
ADB
APEC
BBK 德国央行
BOE 英国央行
BOJ 日本央行
BRC 美国协会
CBI 英国工业联盟
CFTC 委员会
CIA
ECB 欧盟央行
ECU
EMU
ERM
FED美国联邦准备FOMC 美国联邦调查委员会
G7 美国、日本、德国、英国、法国、加拿大、意大利G8 G7+俄罗斯
G10 瑞典、荷兰、比利时+G7
G11 G10+瑞士
GMT →00:00+8小时=
→00:00+20小时+
IBCA 欧洲债信评等机构
IFO 商业景气调查机构
IMF 国际会(组织)
MOODY 债信评等公司
OECD 经济合作览发展组织〈或欧洲共同议会〉OPEC
SNB 瑞士央行
SEC 美国证券
推荐第8篇：金融专业的英文自我介绍
给大家提供一篇金融专业的大学生的英文自我介绍。
I ** University of Finance Department of Finance (including Insurance) 07 graduates, four-year career in the school learning proce, we have experienced failure and frustration, experienced succe and happine, I aiduous, at fighting, but is The so-called “A hard, a harvest,” I paid some return.
Courses of study by the University for four years, to master and skilled use of international finance, money and banking, Central Bank, Insurance, property insurance, life insurance, the Western finance theory, financial marketing, financial marketing studies, bank accounting, commercial banks, Western economics and other profeional knowledge and skills, and mastery of the computer beginner, intermediate knowledge and proficiency in the use of WINDOWS operating system, master internet, can use WpS, Microsoft Word, etc.document editing and operation, and can use tools such as photoshop software graphic design, mastered the production of Microsoft Visual Foxpro database.
The intense in learning, eager to make progre, strive to learn each course, and two computers through a national examination.In practice life, I put myself in the real world to learn social knowledge, involved in many social practice, which enrich their knowledge of society.
This is me, a solid profeional foundation, integrated high quality, small secret agents, big dare, frank, cheerful, humble music students for the financial.Of course, learned a rich background in front of the older generation, I was just ignorant person, but a blueprint of your life and career given space, through Qin-xiu Kulian, tomorrow I do not Yong Yong bidding.
推荐第9篇：金融专业英文的自我介绍
给大家来分享这一篇优秀的金融专业英文的自我介绍：
Good morning！
It is really my honor to have this opportunity for a interview,
I hope i can make a good performance today.I\'m confident that I can succeed.
Now i will introduce myself briefly
I am 22 years old,born in hebei province .
I was graduated from hebei university.my major is finance.and i got my bachelor degree after my graduation in the year of 2009.
I spend most of my time on study,i have paed CET4 .and i have acquired basic knowledge of my major during my school time.
In July 2008, I begin work for a small private company as a technical support engineer in baoding city.Because I\'m capable of more responsibilities, so I decided to change my job.
And in August 2008,I left baoding to dongguan and worked for a joint-stock companies as a storefront Salesperson .Because I want to change my working environment, I\'d like to find a job which is more challenging.ICBC is a global company, so I feel I can gain the most from working in this kind of company ennvironment.That is the reason why I come here to compete for this position.
I think I\'m a good team player and I\'m a person of great honesty to others.Also I am able to work under great preure.
That’s all.Thank you for giving me the chance.
推荐第10篇：求职金融行业英文自我介绍信
求职金融行业英文自我介绍信
I’m glad to introduce myself to you.My Chinese name is ANYJOB, but you can call me yjbys, my English name.I was born and raised in Guangdong, so I speak both Cantonese and Mandarin.
I’ll soon graduate from Zhongshan University, majoring in accounting.I think you may have interviewed quite a lot of students from our school, so you know this major prepares us for CGA and most courses are taught in English.My GPA is 3.6, it ranks number 9 in the 115 students in my grade.And I’ve paed 15 exams in CGA, I anticipate I will get the CGA qualification in 2009.
Besides having good academic performance, I was actively involved in student activities.I was in charge of Student Welfare in my cla, and in the Student Union of our school.I enjoyed this position because what I did was very important to everybody, although it was mostly small details.
I had a three-month internship in Guangdong Zhengzhong Accounting Firm.I did the inventory check and helped the accountants to make the auditing reports.My bo was pleased with my performance and he asked me to recommend my clamate to join our team.
KPMG is my dream company.What’s more, I have great interest in joining the Tax Department as my long term career goal is to be a tax consultant.I wish my dream could come true today.Thank you!
参考：中山易搜人才网
第11篇：金融 国际贸易 经济类专业英文自荐信
Dear in charge of recruitment:
Hello!
I am XX International Trade School of Economics and Management University students, will be more than willing to accumulated years of knowledge and training to your organization\'s ability to contribute to, and exert my utmost best to your company\'s contribution to the progre and development of the full power of their own .
I know very well that \"only tend to have the opportunity to prepare the minds.\" In school, I seize every opportunity to learn all aspects of knowledge, training of all aspects of their ability to own a modern society towards the needs of innovative talent development compound.I reached the English 6, the computer 2 through national, provincial II (excellent), and acce to scholarships every year.Expertise in the effort to learn at the same time, I have a broad range of philosophy, law, literature, economics and other fields, to complete a profeional other than the economic field and more courses and a minor in the trade in English, self-study a second foreign language --- - German.
\"Learn to work in the workplace, in learning how to learn.\" As a student cadre, I will pay more attention to their own ability.Optimism, persistence, hard work is my beacon in the dangerous shoals Department扯起hope of sailing, highlighted in the rapids brave in character, is the credo of my life.I am creative and organized numerous large-scale activities have been recognized by teachers, students praise, so I have more enthusiasm to devote themselves to new challenges, and toward the goal of higher impact.
In order to more fully exercise their abilities, I use as a holiday in government agencies, enterprises and institutions to carry out a social practice, my internship paper was rated \"good practice papers\", the experience for me into the community, involved in commercial operation laid a good foundation, but also learn how to man-made good, bare in good faith.
In social status is about to embark on, I wish to apply, looking forward to the sincere and filled with enthusiasm to join your company, your company culture and enjoy the charm of a dump Evans韬略only give you the effectivene of intrinsic quality.
Sincerely,
Salute!
Your future employees: XXX
第12篇：金融专业大学生英文求职信[优秀]
Dear Sir：
How do you do!
Thank you in spite of being very busy toglance reading my material.
I am guangdong industrial big rule of law major in finance the XXXX fresh graduates.In the university four years nervous and orderly learning life, I pay attention to profeional knowledge learning, enable me to have the comparison generous solid economic and financial theory basis and in the financial busine work ability, familiar with the financial related original rational knowledge, have a strong economic consciousne and social adaptation ability, at the same time have a strong computer use level.More important is, rigorous style of study and correct attitude towards study make me guilele, sedate, innovative personality traits.
In addition, I also pay great attention to improve their comprehensive quality, and take the human resource management, enterprise culture, as well as introduction to music appreciation course lay, etc, and the management and so on to have strong interest, studied the management science and so on aspects of the curriculum, these broadened my vision and thinking, so that I have more diverse knowledge system, learning ability and adaptability to the environment of improved.
I am a man of honest, and ready to help others, have good interpersonal and team cooperation spirit; Work and learning attitude rigorous, surene is responsible, good at solving complex problems; Innovative consciousne; Excellent physical quality, insist for a long time to exercise, cultivate the gritty quality; Take an active part in all kinds of social activities, in as a student union office director period, with good ability for teachers\\ and students\\ high praise; My hobbies is very extensive, especially hobby music and calligraphy.
Your company in the industry achievements and outstanding enterprise culture I admire already for a long time, eager to have a chance to join your company contributes an own strength.I have faith, and has the ability to do an excellent employee and the company common development.Such as have employed, I will work hard, with the result repayment company to my trust and the choice!
第13篇：金融与证券专业英文求职信
在求职中，不管是什么工作，都需要附带一份求职信，以下是一封英文求职信范文，请参考；
尊敬的领导：
您好!
感谢您在百忙中浏览我这份自荐信，给一个即将毕业的大学生一个机会，在此我表示深深的感谢!
久闻贵公司实力不凡，年轻有实力的工作团队使贵公司具有独特的市场地位，公司业绩也在非凡的竞争力上完美得体现。据悉贵公司为了做大做强，正在招聘员工，所以特写此自荐书，希望加盟贵公司，成为你们优秀团队的一员。
本人基本情况如下：我是从XXX学院刚毕业的好范文。在校期间，依照我所学的金融与证券专业，学习各种与专业知识相关的知识，比如，《金融期货》《货币银行学》《商业银行》《财务管理》等，还有专业课程如《证券市场基础知识》《证券交易》《证券投资分析》等。对于计算机，也能够熟练地进行操作，不仅如此，本人在校期间还通过学习取得了计算机一级证书。为了能够更好的学习和了解证券市场，我还积极的实地了解了很多证券公司，在网上关注证券市场信息了解市场动态。因为我知道，想要在证券市场上闯出属于自己的天空，除了对证券这行业有独特的偏爱以外还要有属于自己的炒作能力和学习能力，在这点上我还是有明显的自信的。
我是一个性格比较开朗的女孩，能够在认真够做好工作的同时，也能较好的融洽同事之间的关系；对于证券这行业，我知道良好的沟通能力是十分重要的，刚好，这一点是我的强项；开朗的性格也能让我对生活变得坚强，从容面对工作中的种种困难，用积极热诚的态度迎接生活和工作带来的挑战。我是一个非常有上进心的人。如果我进入公司，时间会证明一切。仔细、负责、热情是我的个性。我清楚的认识道：过去的并不代表未来，勤奋才是真，我有很多东西需要学习，走上工作岗位后，我会坚持不懈的虚心学习，严格要求自己，踏踏实实的做好本职工作，在实践中得到锻炼、提高。
我热爱贵单位所从事的事业，殷切地期望能够在您的领导下，为这一光荣的事业添砖加瓦，我会尽力为贵公司付出我的一份赤诚的力量，真心的希望贵单位能给我一个展现平台的机会！选择单位，工资和待遇不是我考虑的首要条件。我更重视单位的整体形象、管理方式、员工的士气及工作气氛。我相信贵单位正是我所追求的理想目标。我很自信地向您承诺：选择我，您绝不会后悔。
最后谨祝贵公司事业蒸蒸日上!
此致
敬礼
求职者：好范文求职信网
*** xx年**月**日
第14篇：银行从业者必知的金融英文词汇
体验式英语教育先锋美联英语
银行从业者必知的金融英文词汇
StartStop
银行从业者必知的金融英文词汇正如下文所示，虽然有一些让人感觉到匪夷所思的地方，但是只要掌握了相关的窍门，那么在背诵起来的时候依然可以很容易，接下来我们就到下文的内容介绍中去一看究竟，只有这样才能学得更好。
deficit 亏损
roll展期
wholesale批发
default不履约auction拍卖collateralize担保markup价格的涨幅dealer交易员broker经纪人pension funds 养老基金face amount面值
commerical paper商业票据
banker\'s acceptance银行承兑汇票
Fed fund 联邦基金eurodollar欧洲美元treasury bills 国库券floating-rate 浮动比率fixed-rate 固定比率
default risk 拖欠风险credit rating信誉级别tax collection税收money market货币市场
capital market资本市场
original maturity 原始到期期限
surplus funds过剩基金lead bank牵头银行neogotiable timedeposit议付定期存款inter-bank money market银行同业货币市场
medium term loan 中期贷款
syndicated credit银团贷款
merchant bank商业银行portfolio management 有价债券管理lease financing租赁融资note iurance facility票据发行安排bearer note不记名票价underwriting facility包销安排floating-rate note 浮动利率票据
bond holder债券持持有者
London Interbank Offered Rate（LIBOR）伦敦同业优惠利率back-up credit line备用信贷额promiory note（P.Np/n）本票revolving cerdit 循环信用证，即revolving letter of creditnon interest-bearing reserves无息储备金interest rate controls 利率管制
interest rate ceiling 利率上限
interest rate floor 利率下限
银行从业者必知的金融英文词汇正如上文所示，大家在意识到了这些内容后，自己才会更好的学好这些相关的事项，同时，由于大家很好的把握了这些内容，相信我们的英语水平也将会产生了很大的转变，那么好好的把握这些吧。
第15篇：奥巴马英文演讲稿：签署金融改革法案
THE pRESIDENT:
Well, good morning, everyone.
AUDIENCE:Good morning.
THE pRESIDENT:We are gathered in the heart of our nation’s capital, surrounded by memorials to leaders and citizens who served our nation in its earliest days and in its days of greatest trial.Today is such a time for America.
Over the past two years, we have faced the worst receion since the Great Depreion.Eight million people lost their jobs.Tens of millions saw the value of their homes and retirement savings plummet.Countle businees have been unable to get the loans they need and many have been forced to shut their doors.And although the economy is growing again, too many people are still feeling the pain of the downturn.
Now, while a number of factors led to such a severe receion, the primary cause was a breakdown in our financial system.It was a crisis born of a failure of responsibility from certain corners of Wall Street to the halls of power in Washington.For years, our financial sector was governed by antiquated and poorly enforced rules that allowed some to game the system and take risks that endangered the entire economy.Unscrupulous lenders locked consumers into complex loans with hidden costs.Firms like AIG placed maive, risky bets with borrowed money.And while the rules left abuse and exce unchecked, they also left taxpayers on the hook if a big bank or financial institution ever failed.Now, even before the crisis hit, I went to Wall Street and I called for common-sense reforms to protect consumers and our economy as a whole.And soon after taking office, I proposed a set of reforms to empower consumers and investors, to bring the shadowy deals that caused this crisis into the light of day, and to put a stop to taxpayer bailouts once and for all.(Applause.) Today, thanks to a lot of people in this room, those reforms will become the law of the land.
For the last year, Chairmen Barney Frank and Chris Dodd have worked day and night -- (applause) -- Barney and Chris have worked day and night to bring about this reform.And I am profoundly grateful to them.I would be remi if I didn\'t also expre my appreciation to Senator Harry Reid and Speaker Nancy pelosi for their leadership.It wouldn’t have happened without them.(Applause.)
paing this bill was no easy task.To get there, we had to overcome the furious lobbying of an array of powerful interest groups and a partisan minority determined to block change.So the members who are here today, both on the stage and in the audience, they have done a great service in devoting so much time and expertise to this effort, to looking out for the public interests and not the special interests.(Applause.)And I also want to thank the three Republican senators who put partisanship aside -- (applause) -- judged this bill on the merits, and voted for reform.We’re grateful to them.(Applause.)And the Republican House members.(Applause.)Good to see you, Joe.(Applause.)
Now, let’s put this in perspective.The fact is, the financial industry is central to our nation’s ability to grow, to prosper, to compete and to innovate.There are a lot of banks that understand and fulfill this vital role, and there are a whole lot of bankers who want to do right -- and do right -- by their customers.This reform will help foster
innovation, not hamper it.It is designed to make sure that everybody follows the same set of rules, so that firms compete on price and quality, not on tricks and not on traps.
It demands accountability and responsibility from everyone.It provides certainty to everybody, from bankers to farmers to busine owners to consumers.And unle your busine model depends on cutting corners or bilking your customers, you’ve got nothing to fear from reform.(Applause.)
Now, for all those Americans who are wondering what Wall Street reform means for you, here’s what you can expect.If you’ve ever applied for a credit card, a student loan, or a mortgage, you know the feeling of signing your name to pages of barely understandable fine print.What often happens as a result is that many Americans are caught by hidden fees and penalties, or saddled with loans they can’t afford.
That’s what happened to Robin Fox, hit with a maive rate increase on her credit card balance even though she paid her bills on time.That’s what happened to Andrew Giordano, who discovered hundreds of dollars in overdraft fees on his bank statement –- fees he had no idea he might face.Both are here today.Well, with this law, unfair rate hikes, like the one that hit Robin, will end for good.(Applause.)And we’ll ensure that people like Andrew aren’t unwittingly caught by overdraft fees when they sign up for a checking account.(Applause.)
With this law, we’ll crack down on abusive practices in the mortgage industry.We’ll make sure that contracts are simpler -– putting an end
to many hidden penalties and fees in complex mortgages -– so folks know what they’re signing.
With this law, students who take out college loans will be provided clear and concise information about their obligations.
And with this law, ordinary investors -– like seniors and folks saving for retirement –- will be able to receive more information about the costs and risks of mutual funds and other investment products, so that they can make better financial decisions as to what will work for them.
So, all told, these reforms represent the strongest consumer financial protections in history.(Applause.)In history.And these
protections will be enforced by a new consumer watchdog with just one job:looking out for people -– not big banks, not lenders, not investment houses -– looking out for people as they interact with the financial system.
And that’s not just good for consumers; that’s good for the economy.Because reform will put a stop to a lot of the bad loans that fueled a debt-based bubble.And it will mean all companies will have to seek customers by offering better products, instead of more deceptive ones.Now, beyond the consumer protections I’ve outlined, reform will also rein in the abuse and exce that nearly brought down our financial system.It will finally bring transparency to the kinds of complex and risky transactions that helped trigger the financial crisis.Shareholders will also have a greater say on the pay of CEOs and other executives, so they can reward succe instead of failure.
And finally, because of this law, the American people will never again be asked to foot the bill for Wall Street’s mistakes.(Applause.)There will be no more tax-funded bailouts -- period.(Applause.)If a large financial institution should ever fail, this reform gives us the ability to wind it down without endangering the broader economy.And there will be new rules to make clear that no firm is somehow protected because it is “too big to fail,” so we don’t have another AIG.
That\'s what this reform will mean.Now, it doesn’t mean our work is over.For these new rules to be effective, regulators will have to be vigilant.We may need to make adjustments along the way as our financial system adapts to these new changes and changes around the globe.No law can force anybody to be responsible; it’s still incumbent on those on Wall Street to heed the leons of this crisis in terms of how they conduct their businees.
The fact is every American -– from Main Street to Wall Street –- has a stake in our financial system.Wall Street banks and firms invest the capital that makes it poible for start-ups to sell new products.They provide loans to businees to expand and to hire.They back mortgages for families purchasing a new home.That’s why we’ll all stand to gain from these reforms.We all win when investors around the world have confidence in our markets.We all win when shareholders have more power and more information.We all win when consumers are protected against abuse.And we all win when folks are rewarded based on how well they perform, not how well they evade accountability.
In the end, our financial system only works –- our market is only free –- when there are clear rules and basic safeguards that prevent abuse, that check exce, that ensure that it is more profitable to play by the rules than to game the system.And that’s what these reforms are designed to achieve -- no more, no le.Because that’s how we will ensure that our economy works for consumers, that it works for investors, that it works for financial institutions -– that it works for all of us.This is the central leon not only of this crisis but of our history.Ultimately, there’s no dividing line between Main Street and Wall Street.We rise or fall together as one nation.So these reforms will help lift our economy and lead all of us to a stronger, more prosperous future.And that’s why I’m so honored to sign these reforms into law, and I’m so grateful to everybody who worked so hard to make this day poible.Thank you very much, everybody.(Applause.)
(The bill is signed.)(Applause.)
第16篇：十分多见的金融英文词汇需要记好
十分多见的金融英文词汇需要记好 导读: 金融英文词汇一直就涵盖了很多了方方面面，为了更好的掌握这些金融英文的词汇，我们就不得不到下面的文章中去更多的了解一番，为此还是请看下面的文章内容介绍吧。
十分多见的金融英文词汇需要记好，在下面的文章中出现的这些词汇还是都是十分常见的，大家在进行铭记和学习的时候，自己本身也要结合自己的专业知识，如果是求职的朋友就应该有侧重性的背诵一些和金融、银行有关的词汇才是。account number 帐目编号
depositor 存户
pay-in slip 存款单
a deposit form 存款单
a banding machine 自动存取机
to deposit 存款
deposit receipt 存款收据
private deposits 私人存款
certificate of deposit 存单
deposit book, pabook 存折
credit card 信用卡
principal 本金
overdraft, overdraw 透支
to counter sign 双签
to endorse 背书
endorser 背书人
to cash 兑现
to honor a cheque 兑付
to dishonor a cheque 拒付
to suspend payment 止付
cheque,check 支票
cheque book 支票本
order cheque 记名支票
bearer cheque 不记名支票
croed cheque 横线支票
blank cheque 空白支票
rubber cheque 空头支票
cheque stub, counterfoil 票根
cash cheque 现金支票
traveler\'s cheque 旅行支票
cheque for transfer 转帐支票
outstanding cheque 未付支票
canceled cheque 已付支票
forged cheque 伪支票
Bandar\'s note 庄票，银票
accounting scandal 财务丑闻
active balance 顺差
paive balance 逆差
allocation of financial resources 金融资源配置
bad loans 不良贷款
boom （n.v）经济突然膨胀
capital flow 资产流动
deficit spending赤字开支
deflation通货紧缩
depreion 萧条 经济不景气
financial fraud 金融诈骗
global financial market 全球金融市场
financial deficit 金融赤字
a hedge against inflation 防止通货膨胀的措施
a pruent monetary 稳健的货币政策
十分多见的金融英文词汇需要记好，正如上面的文章中所介绍到的这些，大家一旦在意识到了这些问题后，自己本身就应该做好全面的学习和分析，这样日后慢慢的就可以得到很好的学习体验，从而让自己的学习成绩更上一层楼。
第17篇：十分多见的金融英文词汇需要记好
十分多见的金融英文词汇需要记好 导读: 金融英文词汇一直就涵盖了很多了方方面面，为了更好的掌握这些金融英文的词汇，我们就不得不到下面的文章中去更多的了解一番，为此还是请看下面的文章内容介绍吧。
十分多见的金融英文词汇需要记好，在下面的文章中出现的这些词汇还是都是十分常见的，大家在进行铭记和学习的时候，自己本身也要结合自己的专业知识，如果是求职的朋友就应该有侧重性的背诵一些和金融、银行有关的词汇才是。account number 帐目编号
depositor 存户
pay-in slip 存款单
a deposit form 存款单
a banding machine 自动存取机
to deposit 存款
deposit receipt 存款收据
private deposits 私人存款
certificate of deposit 存单
deposit book, pabook 存折
credit card 信用卡
principal 本金
overdraft, overdraw 透支
to counter sign 双签
to endorse 背书
endorser 背书人
to cash 兑现
to honor a cheque 兑付
to dishonor a cheque 拒付
to suspend payment 止付
cheque,check 支票
cheque book 支票本
order cheque 记名支票
bearer cheque 不记名支票
croed cheque 横线支票
blank cheque 空白支票
rubber cheque 空头支票
cheque stub, counterfoil 票根
cash cheque 现金支票
traveler\'s cheque 旅行支票
cheque for transfer 转帐支票
outstanding cheque 未付支票
canceled cheque 已付支票
forged cheque 伪支票
Bandar\'s note 庄票，银票
accounting scandal 财务丑闻
active balance 顺差
paive balance 逆差
allocation of financial resources 金融资源配置
bad loans 不良贷款
boom （n.v）经济突然膨胀
capital flow 资产流动
deficit spending赤字开支
deflation通货紧缩
depreion 萧条 经济不景气
financial fraud 金融诈骗
global financial market 全球金融市场
financial deficit 金融赤字
a hedge against inflation 防止通货膨胀的措施
a pruent monetary 稳健的货币政策
十分多见的金融英文词汇需要记好，正如上面的文章中所介绍到的这些，大家一旦在意识到了这些问题后，自己本身就应该做好全面的学习和分析，这样日后慢慢的就可以得到很好的学习体验，从而让自己的学习成绩更上一层楼。
第18篇：金融专业专业课和英文面试复试真题
1.什么是欧洲货币市场,欧洲货币市场的信用创造与其他货币市场的信用创造有什么不同.
欧洲货币市场的特点是什么?
2.什么是国家主权债务危机,(希腊啊),你认为造成欧洲主权债务危机的原因是什么?
3.英语:股权和债券的区别---英语难在怎么用英语的专业词汇表述,多看后面的英语专业目
录.
4.如何治理高房价和汇率的问题.
5.英语:本科的专业和所报专业有什么关系
6.汇率对本国物价的影响
7.身边的金融产品
8.资本自由化对发展中国家的影响
9.英语:中央银行的功能
10.利率的抛补平价和利率风险
11.英语:为什么考研,专业是什么(跟老师自我介绍时,无关痛痒的不要说,有关专业的多说点.
面试40%,笔试50%,本科成绩10%;复试60%,但是复试差别不大,最主要的还是初试)
12.英语:商业银行的职能
13.高油价高房价
14.显著性检验—计量经济学
15.清迈协定
16.市场的有效性,外汇市场的有效性如何
17.英语:有没有在网上购物,网上购物的优点和缺点(还没说缺点呢就让她出来了)
18.期权价格的影响因素,衍生金融工具
19.图书馆占座
20.英语:如果给1万美元,你会怎么去用
21.货币乘数和存款乘数,给一个图形,让你看是正相关关系还是负相关关系(复试,货币银行
和金融市场比较多)
22.通货膨胀的原因和开放基金的流动风险
23.拟合优度
24.肯德基麦当劳开店的相似性
25.英语:本科专业跟金融的相关性
26.固定汇率制度下的国际收支的自动调节机制
27.衍生工具的特征和功能
28.英语:通货膨胀的主要原因
29.单位根检验
30.中国存款类金融机构和非存款类金融机构的问题和发展格局
31.留存盈余成本和外部权益成本的区别与联系
32.英语:the function of the central bank
33.汇率决定理论的发展
34.给了一个表格,工资跟学历是不是有关----计量
35.英语:where do you come from? local housing price
36.英语:本科是数学吗?学这个专业的优势和弱势(国际金融的时政的考得挺多的)(专硕复试
笔试:15道单选,15道判断,没有多选了,计算,名词解释,简答,论述由2道变为1道了
37.货币乘数的影响因素
38.国际收支的调节政策
39.英语:on-line shopping
40.麦当劳使用打折券为什么不会降低商品的价格
41.什么是特别提款权
42.英语:we have ten thousands dollar,you have into the market….,how would you enjoy put it
value?
43.为什么选择读研究生
-----------下午------------
44.期权和期货的区别
45.谈谈自己身边的低碳经济
46.衍生工具
47.流动性过剩和流动性线近的差异
48.关于股利的,让你做一个选择,有投资机会多的公司受到的风险大还是投资机会少的公司
收到的风险大
49.英语:黄金投资为啥越来越受追捧
50.最小二乘法,留存收益
51.货币互换,套期保值
52.英语:会计和金融的区别
53.金融工程的布朗运动—期权定价模型里面的.随机过程
54.世博会对中国经济的作用
55.英语:你觉得人民币升值是被高估还是被低估
56.国际收支和汇率的相互关系
57.货币发行的成本和收益
58.债券,利率,汇率之间的关系
59.中国货币经济化进程的原因
60.英语:talk about the difference between bonds and stocks(难在换本付息这些词不知道怎么
用英语答)
61.英语:现在很多人投资于gold
62.货币国际化
63.财务风险和财务杠杆
64.什么是戈登模型
65.市场分割理论
66.企业用应付账款来提供短期的资金来源会不会产生成本,为什么
67.给一个图表,让你从图表中看有没有工资性别歧视
68.英语:爸妈给你10块钱,怎么投资
69.什么是金融风险,金融风险管理包括哪些方面
70.商品市场,外汇市场,货币市场的价格均衡之间的关系
71.英语:有没有投资的经验
72.期权的内在价值和图书馆占座以及怎么解决
73.英语:是什么专业以及为什么选金融
74.格雷欣法则
75.英语:人民币升值的问题
76.计算净现值,考虑沉没成本和机会成本
77.英语:威海的房价
78.资产组合
79.如果你要创业你要选择同行密集的地方还是选择同行稀少的地方
80.英语:关于春节
81.银行信用跟民间信用相比有什么优势
82.远期利率协议
83.英语:黄金投资为什么好
84.企业回购股票有什么作用
85.美式期权
86.英语:股票和债券有什么区别
87.期货和期权的特征
88.逆方差的估计和检验
89.企业持有现金的等级
90.国际金融和证券投资的问题:特别提款权的定义及决定方式
91.债券跟股票的区别
92.英语:通货膨胀的原因,讲政府的举措
93.非系统性风险和系统性风险
94.企业并购能否降低代理成本
95.中国的通胀率在上涨,为什么,政府应该怎么解决
96.逆方差
97.给一个图表,谈一下对大学生创业的看法(老师累了,老是重复问题)
98.国际金融的关于贸易顺差的问题
99.并购协同效应来自哪个方面
100.金融的内涵和外沿
101.英语:为什么持有黄金
102.电动自行车下乡的
103.商业银行的发展脉络和实物期权
104.英语:导致房价过高的原因
105.巴塞尔协议对银行业什么影响
106.给了资本,净现值是100万,低回报的是不是正确的
107.货币政策传导机制的理论有哪些
108.资产定价模型和套利定价模型的联系
109.英语:还是问网上购物,学生答了convinent risk,老师问怎么trade off(?),学生就愣了..
第19篇：金融
湖北经济学院管理技术学院
毕业论文（设计）
题 目： 浅析乡镇企业信贷的难点与对策
系 部： 管理技术学院金融与贸易系
专 业： 国际金融 学 号： 091807005 学生姓名： 杨雪 指导教师： 祝弼雄 职 称： 讲师
二○ 一二 年 三 月 二0日
目录
摘要：乡镇企业是随着我国改革开放不断发展壮大起来的，从乡镇企业的现状着手进行分析，找出乡镇企业在运营的过程中所反映出来的问题，并且针对诸多问题可以推断出银行减少对乡镇企业的资金信贷，因此就种种因素，根据问题采取相应的措施与对策来调整。 .3 关键词：乡镇企业 发展现状 信贷难点 解决对策 ...........3 一、乡镇企业的发展历程以及现状 ..........................3
（一） 乡镇企业的发展历程 .............................3
1、乡镇企业的起源 ..................................3
2、乡镇企业发展经历的阶段 .........错误！未定义书签。
（二）乡镇企业发展的现状 ..............................5
二、银行对乡镇企业的信贷投入 .............................6
（一）自身发展存在的问题 ..............................6
（二）、影响银行加大对乡镇企业信贷投入的因素 ...........6
三、银行对乡镇企业信贷应采取的对策及措施 .................8 参考文献： ...............................................9
浅析乡镇企业信贷的难点与对策
摘要：乡镇企业是随着我国改革开放不断发展壮大起来的，从乡镇企业的现状着手进行分析，找出乡镇企业在运营的过程中所反映出来的问题，并且针对诸多问题可以推断出银行减少对乡镇企业的资金信贷，因此就种种因素，根据问题采取相应的措施与对策来调整。
关键词：乡镇企业 发展现状 信贷难点 解决对策
一、乡镇企业的发展历程以及现状
（一） 乡镇企业的发展历程
1、乡镇企业的起源
乡镇企业的前身是社队企业，早在公社化以前的合作化运动中，中国农村就产生了农业和副业相结合的互助合作运动。在20世纪90年代，为了加快实现农业机械化，全国小化肥、小农药、小农机。小水电、小水泥等“五小”社队工业迅速发展。1979年，国务院颁发了《关于发展社队企业若干问题的规定（试行草案）》，对社队企业的地位与作用、发展方向、生产经营范围、所有制形式、组织领导、优惠政策等作了具体规定，肯定了社队企业是农村经济的重要支柱和国民经济的重要组成部分。1984年3月1日中共中央、国务院转发农牧渔业部和部党组《关于开创社队企业新局面的报告》的通知，第一次以正式文件形式把社队办企业、部分社员（村民）合作企业、其他企业合作工生和个体企业称为“乡镇企业”，即通常所说的乡办企业、村办企业、联户办企业和个体私营企业这四个“轮子”。当然，从1997年开始，农业部负责的乡镇企业统计就不再按照这四个“轮子”， 而是按“集体企业”和“私有企业”标准将乡镇企业划分为两大类。
2、乡镇企业发展经历的阶段 20世纪80年代以来，乡镇企业发展主要走过了四个阶段： （1） 乡镇企业异军突起(1984～1988) 1984年中共中央一号和四号文件肯定乡镇企业是“国民经济的一支重要力量”，有利于“实现农民离土不离乡，避免农民涌进城市”，大大地促进了乡镇企业发展。这是农村工业化的第一个黄金时期。 (2)由外延扩张向内涵发展转变(1989～1991) 1988年9月，中共第十三届三中全会提出了“治理经济环境，整顿经济秩序，全面深化改革”的经济政策。乡镇企业开始了为期3年的“调整、整顿、改造、提高”历程，国家财政、银行紧缩对乡镇企业的信贷规模，压缩基本建设规模，对一些重要生产资料恢复垄断专营，乡镇企业原材料来源受到影响。尽管面临许多困难，这一时期的农村工业化仍然取得了一定的进展。 (3)高速增长阶段(1992～1995) 1992年初，邓小平到南方视察，对乡镇企业发展给予了高度评价。党的十三届八中全会将持续发展乡镇企业作为党在农村的基本政策而给予充分肯定。党的十四大确立了建立社会主义市场经济体制的目标，提出了继续积极发展乡镇企业的方针。市场发展和政策导向使乡镇企业进入新一轮高速增长期。 (4)改制发展阶段(1996年至今) 20世纪90年代中后期，国内市场由短缺经济转向饱和经济，双轨经济转向单轨经济，暴利经济转向微利经济，因计划经济束缚而被压抑的能量已经充分释放，这些变化导致乡镇企业起步阶段的机制优势、政策优惠、市场环境优越等有利条件日渐丧失。
（二）乡镇企业发展的现状
高速发展了20多年的乡镇企业，其内部固有的矛盾现在越发突出：政企不分、经营方式落后；负债率高，技术老化；“村村点火、处处冒烟”的生存方式已无法适应市场。面对挑战，乡镇企业也在发生深刻变化．呈现出一些新的特征：
第一：以前曾经被忽视的乡镇企业产权矛盾日益突出，明确产权、提高效益的迫切需要提上乡镇企业发展的议事日程。
第二：外向型经济成为乡镇企业发展的拉动力量。较大的乡镇企业获得进出口经营权后，出口额成倍增长，技术水平和管理水平也迅速提高。乡镇企业的外向开展提高了中国对外开放总体水平。
第三：上规模、高科技成为乡镇企业发展的重要方向。乡镇企业由粗放型增长方式转向集约型增长方式。高科技和优秀人才推动江苏乡镇企业抢先一步实施名牌战略，相继创出红豆、森达等一大批享誉全国的名牌产品。
第四：乡镇企业与农业产业化紧密联合。越来越多的乡镇企业通过体制和技术上的改造实行贸工农一体化经营．成为带动农业产业化经营的龙头企业。1998年，全国从事农副产品加工的乡镇企业有35万家。这进一步推动了农业的工业化，为农业实现现代化开辟了道路，打下了基础。
第五．乡镇企业与小城镇建设互为依托，寻求共同发展。1998年底全国已有100多万个乡镇企业聚集在各类工业小区和小城镇中。原来，浙江省温岭市的乡镇企业的空间布局特征是“低、小、散”，生产要素集聚水平低。基础设施共享性差，工业发展对环境的污染较重，治理难度大。
二、银行对乡镇企业的信贷投入
（一）自身发展存在的问题
1、观念问题。长期以来，农信社“官商”、等客上门的传统不良习惯根深蒂固。以市场为导向，以客户为中心，主动营销的理念严重缺失。
2、产品问题。由于农信社服务产品缺乏创新，传统存贷款业务，缺少小企业客户需求的灵活、简便、实用的信贷产品，农户小额信用贷款不管用，商业银行项目贷款不会用。
3、机制问题。程序多，层次多，环节多，一刀切，无差异化的机械、教条、僵化审批机制与缺乏合理、科学的考核机制并存。
4、队伍问题。现有营销队伍素质参差不齐，专业化，复合型的客户经理严重缺乏。爱岗敬业，追求卓越的精神不足。
5、服务问题。不能正确理解服务的内涵，居高临下片面认为提供服务是给予，是单项的，而不是理解为互惠互利，同台共舞。
（二）、影响银行加大对乡镇企业信贷投入的因素
乡镇企业的健康持续发展离不开资金的投入，因此银行对乡镇企业信贷的投入对它们的发展起到了至关重要的作用。那么影响因素有：
1、企业信用缺失、社会信用体系不健全 由于我国社会主义市场经济还不健全，存在着许多漏洞和缺陷，在信用交易规模不断扩大的情况下，社会信用秩序混乱已成为制约我国经济发展的突出问题。
2、间接融资渠道受限 一是中小企业缺乏贷款担保，中小企业关系简单，一般没有上级部门和其他单位为其解决担保问题，加之其自身抵押品不足，即使银行认为其有发展潜力，往往也因担保上的技术性问题受到贷款限制性条款的制约而爱莫能助。二是我国一直缺乏向中小企业融资倾斜的金融政策。三是银行贷款终身责任追究制，使得信贷部门在放贷上普遍存在畏难情绪，基层信贷经理对中小企业贷款积极性不高。再加上信贷权力上收，掌握中小企业“软信息”的基层行没有贷款权力，只有推荐权、贷后维护权，却要承担100％的收贷收息责任。四是历史上沉痛的教训，使银行对中小企业存在戒备心理。五是银行对中小企业市场缺乏深入研究。银行在体制机制、管理方式、技术手段、业务流程等方面，存有不适应中小企业发展的障碍，随着全国金融行业经营层次的提升，各金融机构工作重心逐步上移，许多银行特别是四大国有商业银行正在逐渐失去部分市场和原有的竞争优势。六是在思想观念上还存在许多误区。对市场的深刻变化认识不到位，把中小企业等同于“散小差”客户，把中小企业等同于“落后”。
3、直接融资渠道不畅 主要是资本市场的规模限制。我国的资本市场从其产生之日起，股票发行额度和上市公司选择就受到规模限制，如股份有限公司注册资本最低1000万元，上市公司股本总额不少于5000万元，这些硬性条件是现阶段中小企业达不到的。即使目前新设计的创业板市场对中小企业全面开放，但其设置的门槛仍然较高。因此，对零散、科技含量低的中小企业而言，参与社会直接融资仍然是条难以逾越的坎，而对企业债券的发行更是望尘莫及。
三、银行对乡镇企业信贷应采取的对策及措施
针对上述乡镇企业发展的现状以及存在的问题，我们可以采取相应地措施来解决乡镇企业信贷的难点。
1、与时俱进的理念。观念决定思路，思路决定出路。解决中小企业融资难问题是农信社为“三农”服务的宗旨的要求，是支持社会主义新农村建设的要求，是农信社市场定位与培养基本客户群，提高竞争力的现实要求，农信社必须适应形势发展的要求，做到观念更新，体制革新，服务创新。
2、适销对路的产品。小企业贷款需求千差万别，每个企业的情况都不一样，几乎没有投资规划，有机会就投入，有利就投资，额小、频繁、急用，对利率不太敏感是主要特点。因此在制定信贷产品时要注重灵活、简便，有针对性的推出信贷产品。
3、科学灵活的机制。解决中小企业融资难问题必须深刻领会和全面贯彻银监会提出的“六项机制”，即：建立利率风险定价机制；建立独立的小企业贷款核算机制；建立和完善高效的小企业贷款审批机制；建立和完善小企业贷款激励约束机制；建立专业化人员培训机制；建立和健全小企业贷款违约信息通报机制。
4、专业务实的队伍。为小企业服务，必须要有专业化的客户经理队伍，小企业客户经理应具备诚实守信、爱岗敬业、勤奋热情、严谨务实、开拓创新的精神，同时要有市场意识、客户意识、营销意识、创新意识、团队意识、风险意识。
5、便捷高效的服务。金融业是服务行业，一切收益来自于向客户提供的服务，必须根据客户融资需求，为客户提供灵活、快捷的融资渠道；通过提高综合金融服务，帮助客户降低融资成本，增加收益，让每个客户从金融服务中得到更多价值。
因此，要想更好地推进乡镇企业的快速健康发展，我们必须从这些企业在发展过程中所遇到的难点着手，就问题找对策，解决乡镇企业信贷的问题，从而促进乡镇企业的良好发展。 参考文献：
[1]廖晖 ，《广东金融》[D]，华南理工大出版社，1990,（7） [2]刘业奇，《广西金融研究》[D]，广西出版社，2001,（6）
[3]黄跃， 兰学军， 《企业管理》[D]，湖北人民出版社，1990, （8） [4]郑曦卿 ，《经济师》[D],中国注册会计师协会，1998 ,（12） [5]杨世平，郑曦卿，《改革与理论》[D] 1993 ,（6）
[6]陈成雷，宋永本，《乡镇企业信贷的难点与对策》[J] 2000 ,(10)
[7]韦昌明，《乡镇企业发展的难点与对策》[J],内部文稿，1999，（1）
第20篇：最专业的金融英文词汇都包括了哪些
最专业的金融英文词汇都包括了哪些 导读: 金融英文词汇是很多金融行业从业者所必知的内容，为了更好的学好这些，我们就不得不到下面的文章中去做出一些分析，相信一旦有了这些分析过后，我们的英语水平也会更好。
最专业的金融英文词汇都包括了哪些呢？那么下面的文章中也已经介绍的无比全面了。同时也正是由于大家对于这些词汇的全面掌握，我们的英语能力才会变得更加强大一些，大家在有了这些把握以后，日后的英语能力也会更可观。legal sanction法律制裁
face value面值
liquid aets流动资产
illiquidl aets非流动资产
the liquidity scale 流动性指标
real estate 不动产
checking accounts,demand deposit,checkable deposit 活期存款time deposit 定期存款
negotiable order of withdrawal accounts 大额可转让提款单money market mutual funds 货币市场互助基金
repurchase agreements 回购协议
certificate of deposits存单
bond 债券
stock股票
travelers\'checks 旅行支票
small-denomination time deposits小额定期存款
large-denomination time deposits大额定期存款
bank overnight repurchase agreements 银行隔夜回购协议bank long-term repurchase agreements 银行长期回购协议thrift institutions 存款机构
financial institution 金融机构
commercial banks商业银行
a means of payment 支付手段
a store of value储藏手段
a standard of value价值标准
reserve 储备
note 票据
discount贴现
circulate流通
central bank 中央银行
the Federal Reserve System联邦储备系统
credit union 信用合作社
paper currency 纸币
credit creation 信用创造
branch banking 银行分行制
unit banking 单一银行制
out of circulation 退出流通
capital stock股本
at par以票面价值计
electronic banking电子银行
banking holding company 公司银行
the gold standard金本位
the Federal Reserve Board 联邦储备委员会
the stock market crash 股市风暴
reserve ratio 准备金比率
最专业的金融英文词汇都包括了哪些呢？那么上面的文章中也已经介绍的无比具体了，当大家在意识到了这些内容后，我们的英语水平也会逐步的提高，而之前的所有努力也就可以得到了很好的回报，为此大家都应该好好的把握。美联英语学习网
