金融英語聽力
金融英語聽力
金融這一行業(yè)，有哪些有趣的英語聽力?下面是學(xué)習(xí)啦小編給大家整理的下載金融英語聽力，供大家參閱!
下載金融英語聽力1
M: Hi, Xiaohong. There is news about bankruptcies of some U.S. banks. It
seems the banks are subject to some risks in their operation.
W: Yes. Excessive interest rate risk can pose a significant threat to a bank’s earnings and capital base. M: Do you know the exact meaning of the interest rate risk? W: It is difficult to explain it in a few words. Let me see, eh… Generally speaking, interest rate risk is the risk arising from the change in value of
an interest-bearing asset, such as a loan or a bond, due to fluctuation in
interest rates. As rates rise, the price of a fixed rate bond will fall. As rates
fall, the price of the bond will rise.
M: So the task of control over the interest rate risk would be critical to banks, because the change in interest rates will affect the value of a bank’s
interest-bearing assets.
W: Right, but sometimes it is beyond the control of one bank.
Question: What is usually considered the cause of interest rate risk according to the woman? (D)
譯文
男： 嗨，曉紅。有些關(guān)于美國銀行破產(chǎn)的新聞。銀行的經(jīng)營似乎容易受到某些風(fēng) 險(xiǎn)的影響。
女： 是。過度的利率風(fēng)險(xiǎn)會(huì)威脅到銀行的收益和資本基礎(chǔ)。
男： 你知道利率風(fēng)險(xiǎn)的準(zhǔn)確含義嗎?
女： 幾句話很難說清楚。讓我想想，嗯⋯⋯。一般來說，利率風(fēng)險(xiǎn)產(chǎn)生于附息資 產(chǎn)，如貸款或債券的價(jià)格變化，其價(jià)格因利率的上下浮動(dòng)而變化。當(dāng)利率上 升時(shí)，固定利率債券的價(jià)格就下跌。當(dāng)利率下跌時(shí)，這些債券的價(jià)格就上漲。 男： 所以對(duì)于銀行來說，控制利率風(fēng)險(xiǎn)的仸務(wù)是至關(guān)重要的，因?yàn)槔实淖兓瘯?huì) 影響到銀行的附息資產(chǎn)的價(jià)值。
女： 對(duì)。但有時(shí)不是一家銀行可以控制局面的。
下載金融英語聽力2
M: Professor Wang, would you tell me what would happen if a bank had
inadequate liquidity? W: There will be dire consequences, I think. You know that liquidity is a
prime concern in banking operation and a shortage of liquidity has often
been a trigger for bank failures. However, holding assets in a highly liquid
form tends to reduce the income from that asset.
M: It is known that cash is the most liquid asset.
W: Exactly. Cash is liquid but pays no interest. So banks usually try to reduce
liquid assets as far as possible. Without sufficient liquidity to meet the demands of their depositors, nevertheless, a bank would experience the
risk of a bank run.
Question: Which of the following is the key reason that liquidity is a prime concern in banking operation according to the conversation? (B)
譯文
男： 王教授，請(qǐng)問假如銀行流動(dòng)資產(chǎn)不足，會(huì)怎么樣呢?
女： 我認(rèn)為后果會(huì)很嚴(yán)重。你知道資產(chǎn)變現(xiàn)能力是銀行經(jīng)營重點(diǎn)關(guān)注的問題，流 動(dòng)資產(chǎn)匱乏往往是銀行倒閉的導(dǎo)火索。但是，持有流動(dòng)性過高的資產(chǎn)可能減 少資產(chǎn)的收入。
男： 眾所周知，現(xiàn)金是流動(dòng)性最高的資產(chǎn)。
女： 確實(shí)如此?，F(xiàn)金的流動(dòng)性高但不獲利。所以銀行會(huì)盡可能地減少流動(dòng)資產(chǎn)的 持有量。但是，如果銀行沒有足夠的流動(dòng)資產(chǎn)去滿足儲(chǔ)戶的要求，就會(huì)遭受 儲(chǔ)戶擠兌的風(fēng)險(xiǎn)。
下載金融英語聽力3
M: Diana, what do you think of the subprime mess in the United States?
W: I’ve heard of the word hundreds of times these days. As far as I know, it is
one of the huge risks caused by hedge funds, and the conflicts of interest
have led a lot of banks and companies, especially investment banks into
trouble. They are all the consequences of financial deregulation. Some people
commented that they would reverse field in time to prevent another 1929.
M: Some economic strategy has attracted a lot of criticism recently. They have
come into force in the name of free-market efficiency. People criticized
that some policies have replaced real productive innovation with financial
engineering and shifted wealth from families to corporations, and put the
entire American economy at ever greater risk. Question: What are they talking about? (B)
譯文
男： 黛安娜，對(duì)于美國的次貸危機(jī)你怎么看?
女： 這些天我已經(jīng)數(shù)百次聽到這個(gè)詞了。據(jù)我所知，這是對(duì)沖基金惹的一場(chǎng)大禍。 各種利益的沖突導(dǎo)致許多銀行和企業(yè)，尤其是投資銀行陷入困境。這是撤銷 金融管制產(chǎn)生的后果。有人評(píng)論說他們將及時(shí)調(diào)整方向，以免重復(fù)1929 年 的悲劇。 男： 最近有些經(jīng)濟(jì)戰(zhàn)略受到許多批評(píng)。這些政策是以提高自由市場(chǎng)效率的名義實(shí) 施的。有人批評(píng)說某些政策用金融操控手段取代了真正富有成效的革新，把 財(cái)富仍家庭轉(zhuǎn)移到公司，從而使整個(gè)美國經(jīng)濟(jì)處于高度風(fēng)險(xiǎn)之中。
下載金融英語聽力4
M: Lin, our teacher told us today that all the loans made by a commercial
bank will be classified into five catalogs: normal, observational, inferior,
questionable, and losing. Now, I want to know how to determine which
catalog one loan goes to. Would you tell me about it?
W: Well, it is not an easy job. But it is necessary for the credit risk analysis. As far as I know, the credit risk classification is made according to the repayment
capacity of the borrower. If a loan is classified as inferior, questionable or
losing, it is said to be a bad loan. The bank will be required to prepare bad loan reserve and the banking regulators will do something for the loan.
M: I see that it is a measure to prevent credit risk.
Question: What is implied if a loan is classified as an observational one? (D)
譯文
男： 林，老師今天告訴我們說商業(yè)銀行的貸款都會(huì)分為五類：正常、關(guān)注、次級(jí)、 可疑和損失。現(xiàn)在我想知道如何確定一筆貸款的類別。你能給我講講嗎?
女： 哦，這不是個(gè)簡單的事情。但對(duì)于信用風(fēng)險(xiǎn)分析是必要的。據(jù)我所知，信用 風(fēng)險(xiǎn)分類是按照借款人的還款能力確定的。假如一筆貸款被確定為次級(jí)、可 疑或損失，那么就屬于不良貸款。銀行就要預(yù)備一筆不良貸款準(zhǔn)備金，銀行 管理人員就有事可做了。
男： 我知道，這是防范信用風(fēng)險(xiǎn)的措施。
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