【www.tuzhexing.com--财会金融】
篇一:关于金融
一道有关金融类的题
某企业于第一年年初和第二年年初分别向银行贷款100万和150万，年利率为6%，每半年计息一次，则该企业从第三年年末开始每半年向银行归还多少钱才能在第六年年末还完。
假定每半年还X万元，按折现现值来算：
贷款现值=100+150/（1+6%/2）^2
还款现值=x/（1+6%/2）^6+x/（1+6%/2）^7+x/（1+6%/2）^8+x/（1+6%/2）^9+x/（1+6%/2）^10+x/（1+6%/2）^11+x/（1+6%/2）^12
利用现值相等，可以算出X=44.91553万元
篇二:关于金融
有关金融学的题,
1.举例说明央行在开展业务履行相关职能时对经济的影响是什么?2.请从货币制度演变过程的角度来分析说明现代金融业历史和发展趋势.
众所周知,央行的三大政策工具是：存款准备金、再贷款（再贴现）和公开市场操作.央行的职能是调节货币供应,因此,以存款准备金来说,央行提高准备金率,意味着紧缩货币政策的开始,央行降低准备金率,意味着放松货币政策的开始.央行的业务,始终围绕着宏观经济调控进行的,表明了中央政府的货币政策的执行方向,对经济发展起到促进或者收紧的作用.
货币制度的关键是信用.从现代金融业的历史和发展趋势来看,一切围绕着信用问题展开.所谓的钞票发行、电子货币、借贷制度,都体现了一个社会的信用程度.现代金融业的发展,比如金融创新,也是从信用创造角度出发的.在这一过程中,风险问题也跃然纸上.因此,现代金融业,也是为了防范和规避金融风险.
这是本人的一点点体会,【关于金融】
篇三:关于金融
关于金融的英语调查
这样的,我们要到人家公司去调查关于他们公司金融的相关信息,要求问一些比较隐私的内幕消息,我们要提问一些问题给他们,大概提什么好?因为有些是隐私的,只要问出大概就行了,数字或者大概比例!
下面是老师给出来的,需要我们去提问这个公司,但是不知道提什么好,提中文的就行.
What costs have to be paid by the business?
How is the cash flow managed to meet these costs?
is there seasonal buying?
is lead time an issue?
盈利多少 每年盈利的增长情况 资金链如何维持
篇四:关于金融
关于金融的计算题,
设一定时期内待销售的商品价格总额为60亿元,若同期的货币流通速度为6,请计算流通中实际需要的货币量.若流通中的实际货币量为20亿元,在流通速度不变的情况下,请计算流通中每单位货币的实际购买力.
流通中实际所需货币量=商品价格总额/货币流通次数（速度）=60/6=10亿元.
纸币的购买力=流通中所需要的货币量/纸币发行量=10/20=0.5
篇五:关于金融
关于金融投资、越详尽越好!最好是英文的解答哦
Topic
Your uncle is asking you to help him to write up a plan for his retirement.He has the following information supplied to you:
1.Your uncle is now 48 years old and is in excellent health.
2.Your aunt is 43 years old and also is in excellent health.
3.They have a daughter who has just finished university.
4.Both your uncle and aunt plan to retire at the age of 65 but until now,neither one has any saving that is locked in for retirement.
5.Your uncle is working for an electronic company with a monthly salary CNY 9,000; your aunt is working too,at a department store as a sales supervisor with a monthly salary of CNY 5,000.Both expect that their salary will increase by 5% per year until they retire.
6.Since their daughter is financially independent,they plan to put in the balance of their salaries that are left over from the day-to-day livelihood spending towards a retirement plan.
7.Your uncle is not too keen to leave the money in a bank account because the interest rate is only 3% per year.He is asking you to help him to buy some investments,including both bonds and stocks,but must produce fixed income over the 3% range.
8.Your uncle and aunt expect that their monthly retirement spending will be around CNY 5,000 per month,in consideration to inflation.
Task
Please write up an investment plan for your uncle and aunt in specification of the following:
a.How much will he and his wife need when they reach the age of 65?
b.What kind of investment tool you will recommend to them,specify the details such as type of investment,how long should they keep the investment and what is the rate of return you are looking for?
c.How much do you recommend them to start saving or investing and when should they start doing that?
d.Show all calculations in details how you obtain the numbers.
e.State all assumptions about their situation.
Requirement
The assignment should be prepared in a report format that includes:
1.The title page with your name in Chinese and your student number.
2.Layout in specific the type of investment you recommend to your uncle.When to buy?How much to buy?And at what price level to buy?
3.Calculate the ultimate return of the investment portfolio at the age of 65 of your uncle and aunt.
4.Specify also,if there is any,in the portfolio which investments are meant to hold and which are held for short term interest.
5.State your reasons in details of your decision and action of buying and selling and the computation as support information.Write it in point form.
It is a bit hard! Excuse me for talking up, no one will help you.
篇六:关于金融
求金融英语及其相关文章
有关金融的,经济的任何英语文章都行,600-100词,急用!
修正下，是600-1000词，
Financial Management
Management of funds is a critical aspect of financial management.Management of funds act as the foremost concern whether it is in a business undertaking or in an educational institution.Financial management,which is simply meant dealing with management of money matters.
Meaning of Financial Management
By Financial Management we mean efficient use of economic resources namely capital funds.Financial management is concerned with the managerial decisions that result in the acquisition and financing of short term and long term credits for the firm.Here it deals with the situations that require selection of specific assets,or a combination of assets and the selection of specific problem of size and growth of an enterprise.Herein the analysis deals with the expected inflows and outflows of funds and their effect on managerial objectives.In short,Financial Management deals with Procurement of funds and their effective utilization in the business.
So the analysis simply states two main aspects of financial management like procurement of funds and an effective use of funds to achieve business objectives.
Procurement of funds:
As funds can be procured from multiple sources so procurement of funds is considered an important problem of business concerns.Funds obtained from different sources have different characteristics in terms of potential risk,cost and control.
Funds issued by the issue of equity shares are the best from risk point of view for the company as there is no question of repayment of equity capital except when the company is liquidated.
From the cost point of view equity capital is the most expensive source of funds as dividend expectations of shareholders are normally higher than that of prevailing interest rates.
Financial management constitutes risk,cost and control.The cost of funds should be at minimum for a proper balancing of risk and control.
In the globalised competitive scenario,mobilization of funds plays a very significant role.Funds can be raised either through the domestic market or from abroad.Foreign Direct Investment (FDI) as well as Foreign Institutional Investors(FII) are two major sources of raising funds.The mechanism of procurement of funds has to be modified in the light of requirements of foreign investors.
Utilization of Funds:
Effective utilization of funds as an important aspect of financial management avoids the situations where funds are either kept idle or proper uses are not being made.Funds procured involve a certain cost and risk.If the funds are not used properly then running business will be too difficult.In case of dividend decisions we also consider this.So it is crucial to employ the funds properly and profitably.
Scope of Financial Management
Sound financial management is essential in all types of organizations whether it be profit or non-profit.Financial management is essential in a planned Economy as well as in a capitalist set-up as it involves efficient use of the resources.
From time to time it is observed that many firms have been liquidated not because their technology was obsolete or because their products were not in demand or their labour was not skilled and motivated,but that there was a mismanagement of financial affairs.Even in a boom period,when a company make high profits there is also a fear of liquidation because of bad financial management.
Financial management optimizes the output from the given input of funds.In a country like India where resources are scarce and the demand for funds are many,the need of proper financial management is required.In case of newly started companies with a high growth rate it is more important to have sound financial management since finance alone guarantees their survival.
Financial management is very important in case of non-profit organizations,which do not pay adequate attentions to financial management.
How ever a sound system of financial management has to be cultivated among bureaucrats,administrators,engineers,educationalists and public at a large.
Objectives of Financial Management
Efficient Financial management requires the existence of some objectives,which are as follows
1) Profit Maximization:
The objective of financial management is the same as the objective of a company which is to earn profit.But profit maximization alone cannot be the sole objective of a company.It is a limited objective.If profits are given undue importance then problems may arise as discussed below.
The term profit is vague and it involves much more contradictions.
Profit maximization must be attempted with a realization of risks involved.A positive relationship exists between risk and profits.So both risk and profit objectives should be balanced.
Profit Maximization fails to take into account the time pattern of returns.
Profit maximization does not take into account the social considerations.
2) Wealth Maximization:
It is commonly understood that the objective of a firm is to maximize value and wealth.
The value of a firm is represented by the market price of the company"s stock.The market price of a firm"s stock represents the assesment of all market participants as to what the value of the particular firm is.It takes in to account present and prospective future earnings per share,the timing and risk of these earning,the dividend policy of the firm and many other factors that bear upon the market price of the stock.Market price acts as the performance index or report card of the firm"s progress and potential.
Prices in the share markets are affected by many factors like general economic outlook,outlook of the particular company,technical factors and even mass psychology.Normally this value is a function of two factors:
The anticipated rate of earnings per share of the company
The capitalization rate.
The likely rate of earnings per shares depend upon the assessment of how profitable a company may be in the future.
The capitalization rate reflects the liking of the investors for the company.
Methods of Financial Management:
In the field of financing there are multiple methods to procure funds.Funds may be obtained from long term sources as well as from short term sources.Long term funds may be procured by owners that are shareholders,lenders by issuing debentures,from financial institutions,banks and the general public at large.Short term funds may be availed from commercial banks,public deposits,etc.Financial leverage or trading on equity is an important method by which a finance manager may increase the return to common shareholders.
At the time of evaluating capital expenditure projects methods like average rate of return,pay back,internal rate of returns,net present value and profitability index are used.A firm can increase its profitability without adversely affecting its liquidity by an efficient utilization of the current resources at the disposal of the firm.A firm can increase its profitability without negatively affecting its liquidity by efficient management of working capital.
Similarly,for the evaluation of a firm"s performance there are different methods.Ratio analysis is a common technique to evaluate different aspects of a firm.An investor takes in to account various ratios to know whether investment in a particular company will be profitable or not.These ratios enable him to judge the profitability,solvency,liquidity and growth aspect of the firm.【关于金融】
篇七:关于金融
下列有关金融保险业营业税计税依据的表述中，不正确的有 求具体解析
A.一般贷款业务的计税依据为利差收入
B.转让债券的计税依据为卖出债券的全部收入
C.金融中间业务的计税依据为佣金的全部收入
D.融资租赁业务的计税依据为向承租者收取的全部价款
C答案是正确的，首先就是金融中间业务：指商业银行代理客户办理收款、付款和其他委托事项而收取手续费的业务。是银行不需动用自己的资金，依托业务、技术、机构、信誉和人才等优势，以中间人的身份代理客户承办收付和其他委托事项，提供各种金融服务并据以收取手续费的业务。所以他的计税依据就是手续费的全部收入。所以这道题的关键在于佣金；简单大个比方入手房中介的那个佣金，一般中介费都有买方或承租方出，佣金就是卖方或出租方给中介公司的报酬，简单的可以这么理解。所以C答案是正确的。呵呵
篇八:关于金融
几个关于金融英语的问题
1.Sum up the differences between absolute and relative purchasing power parity,moreover,provide an example of each.
2.How to operate the options .
3.If a foreign currency is expected to decline to the U.S.dollar,do a put option.The option’s premiun is $0.0128/sfr,expiration date is December,strike price is $0.72/sfr.If at expiration date the market price is $0.75/sfr or $0.67/sfr,how to do the company?How much is it loss or profit?
2题是1题的提问，也是举个例子，
英语高手速速来
1.总结出绝对购买力评价和相对购买力评价的不同,并分别举出实例.
2.如何操做期权.
3.如果一种货币相对于美元预期要贬值,购入看跌期权.期权费为$0.0128/sfr,行使时限到12月底,期权行使价是$0.72/sfr.如果在行使时限日,（标的资产的）市场价是 $0.75/sfr或$0.67/sfr,公司分别应该怎样做?不同情况下的损失和盈利分别是多少?
补充：我没看懂你说的“问题补充”是什么意思
晕,又收到楼主的短信,说是让回答,不是翻译,哪儿有这么干的.郁闷.原来怎么不说清楚?
篇九:关于金融
有关金融方面的英语短文（上课给老师同学念的精良短点经典一些）
China eyes SDR as global currency
China"s central bank chief on Monday proposed a sweeping overhaul of the global monetary system, outlining how the dollar could eventually be replaced as the world"s main reserve currency by the Special Drawing Right (SDR).
The SDR is an international reserve asset created by the International Monetary Fund in 1969 that has the potential to act as a super-sovereign reserve currency, Zhou Xiaochuan, governor of the People"s Bank of China, said in remarks published on Monday on the bank"s website, www.pbc.gov.cn.
"The role of the SDR has not been put into full play due to limitations on its allocation and the scope of its uses. However, it serves as the light in the tunnel for the reform of the international monetary system," Zhou said.
Zhou did not refer directly to the dollar.
But his speech, issued in English as well as Chinese, spells out in detail China"s dissatisfaction with the primacy of the US currency, which Zhou says has led to increasingly frequent international financial crises since the collapse of the Bretton Woods system of fixed but adjustable exchange rates in 1971.
"The price is becoming increasingly high, not only for the users, but also for the issuers of the reserve currencies. Although crisis may not necessarily be an intended result of the issuing authorities, it is an inevitable outcome of the institutional flaws," Zhou said.
"The desirable goal of reforming the international monetary system, therefore, is to create an international reserve currency that is disconnected from individual nations and is able to remain stable in the long run, thus removing the inherent deficiencies caused by using credit-based national currencies," he added.
篇十:关于金融
一道关于金融的入门选择题（急！！！！！！）
对商品价格的理解正确的是：
A.同商品价值成反比；B.同货币价值成正比；C.商品价值的货币表现；D.商品价值与货币价值的比。
选C。
A，应该是成正比，价值越高的东西卖的越贵。
B，应该是成反比，货币价值越高，说明同样的钱能买到更多的东西，所以说明东西的价格低了。
D，如果说商品价格=商品价值/货币价值，那么举个例子，卖苹果，两家水果摊都卖同样的苹果，苹果的价值都是1元1个。A水果摊卖1块2一个，B水果摊卖1块3一个，苹果价值一样，但是价格不一样，难道说这俩水果摊流通的货币价值就不一样了？所以显然不对。