金融学双语考试复习资料.docx

金融学双语考试复习资料

Chapter1

经济学关注的3个问题：

Howscarceresourcesareallocatedintheproduction

processamongcompetinguses.

Howincomegeneratedintheproductionandsaleofgoods

andservicesisdistributedamongmembersofsociety.

Howpeopleallocatetheirincomethroughspending,saving,

borrowingandlendingdecisions.

Default（违约）-Whenaborrowerfailstorepayafinancialclaim.

借方未能偿还金融债务

Liquidity（流动性）-Theeasewithwhichafinancialclaimcanbeconvertedtocashwithoutlossofvalue.金融索取权可以比较容易地且不损失价值地转化成现金的特性。

Depositoryinstitutions（储蓄机构）–Financialintermediaries,suchascommercialbanks,savingsandloanassociations,creditunions,andmutualsavingsbanks,thatissuecheckabledeposits.发放支票存款的金融中介，如商业银行、存储贷款、信用联盟、互助储蓄银行。

5.Whydofinancialintermediariesexist?Whatservicesdotheyprovidetothepublic?Areallfinancialinstitutionsfinancialintermediaries?

Financialintermediariesexisttolinkupnetlendersandnetborrowersandtohelpminimizethetransactioncostsassociatedwithborrowingandlending.Financialservicesprovidedbyfinancial

intermediariesincludeappraisinganddiversifyingriskfromindividualnetlenders.Notallfinancialintermediariesareinstitutions,suchasstockandbondbrokersmerelylinkupnetlendersandnetborrowersforafeeanddonotissueclaimsonthemselves.

16.DianeWeilearnswagesof$45,000andinterestanddividendincomeof$5,000.Shespends$8,000asadownpaymentonanewlyconstructedmountaincabinandlends$4,000infinancialmarkets.AssumingthatDianespendstheremainderofherincomeonconsumption,whatishersaving?Issheanetlenderoranetborrower?Whatisherconsumption?

Chapter2

Money(货币)-Anythingthatfunctionsasameansofpayment(mediumofexchange),unitofaccount,andstoreofvalue.作为支付手段（即交换媒介）、记账单位和价值储藏手段的物品。

货币三大职能：Functionsofmoney:

Meansofpayment(mediumofexchange)支付手段（即交

换媒介）-Somethinggenerallyacceptableformakingpayments.支付过程中被普遍接受的物品。