金融英语词汇汇总

金融英语词汇汇总一、金融市场相关词汇1.1股票市场Stockmarket（股票市场）：Amarketwheresharesofpubliclytradedcompaniesareboughtandsold.Share（股票）：Aunitofownershipinacompany.Stockexchange（证券交易所）：Amarketplacewherestocksaretraded.Equity（股权）：Ownershipinterestinacompanyintheformofsharesofstock.Bond（债券）：Afixed-incomeinstrumentthatrepresentsaloanmadebyaninvestortoaborrower(typicallyagovernmentorcorporation).InitialPublicOffering(IPO)（首次公开募股）：Thefirstsaleofstockbyacompanytothepublic.Dividend（红利）：Portionofacompany’searningsthatispaidouttoshareholders.Bearmarket（熊市）：Amarketconditioninwhichpricesarefallingandinvestorconfidenceisdecreasing.Bullmarket（牛市）：Amarketconditioninwhichpricesarerisingandinvestorconfidenceisincreasing.Bluechipstocks（蓝筹股）：Sharesoflarge,well-establishedcompanieswithahistoryofsteadyearningsanddividendpayments.Shareholder（股东）：Anindividualorentitythatownssharesofstockinacompany.1.2外汇市场Foreignexchangemarket（外汇市场）：Adecentralizedmarketfortradingcurrencies.Exchangerate（汇率）：Therateatwhichonecurrencycanbeexchangedforanother.Currencypair（货币对）：Thequotationoftherelativevaluebetweentwocurrencies.Spottransaction（即期交易）：Aforeignexchangetransactionwherecurrenciesareboughtandsoldforimmediatedelivery.Forwardtransaction（远期交易）：Aforeignexchangetransactionwherecurrenciesareboughtandsoldforfuturedeliveryatapredeterminedexchangerate.Currencyappreciation（货币升值）：Anincreaseinthevalueofonecurrencyrelativetoanothercurrency.Currencydepreciation（货币贬值）：Adecreaseinthevalueofonecurrencyrelativetoanothercurrency.Centralbank（中央银行）：Afinancialinstitutionresponsibleformanagingacountry’smoneysupplyandinterestrates.Foreignexchangereserve（外汇储备）：Acountry’sholdingsofforeigncurrenciesusedtosupportitsowncurrencyandmanageexchangerates.Exchangeraterisk（汇率风险）：Theriskthatthevalueofacurrencywillchangeinawaythatnegativelyimpactstheprofitsandcashflowsofacompanyorinvestment.二、金融机构相关词汇2.1银行Bank（银行）：Afinancialinstitutionthatacceptsdepositsfromthepublicandcreatescredit.Savingaccount（储蓄账户）：Anaccountwithabankwhereindividualscandepositmoneyandearninterestontheirsavings.Checkingaccount（支票账户）：Anaccountwithabankthatallowsindividualstodepositandwithdrawmoneyusingchecksordebitcards.Loan（贷款）：Moneyborrowedfromabankorfinancialinstitutionthatistoberepaidwithinterest.Interestrate（利率）：Thepercentageofaloanordepositthatischargedorpaidasinterestoveracertainperiodoftime.Creditcard（信用卡）：Apaymentcardissuedbyabankthatallowscardholderstoborrowfundstomakepurchases.ATM(AutomatedTellerMachine)（自动取款机）：Anelectronicbankingoutletthatallowscustomerstocompletebasictransactionswithouttheneedforabankteller.Overdraft（透支）：Adeficitinabankaccountcausedbydrawingmoremoneythanisavailable.Mortgage（抵押贷款）：Aloanusedtopurchaserealestate,wherethepropertyisusedascollateralfortheloan.Bankruptcy（破产）：Alegalprocessinwhichapersonorbusinessisunabletorepaytheirdebts.2.2保险Insurance（保险）：Acontractthatprovidescompensationtoindividualsorcompaniesintheeventofspecifiedlosses.Policy（保险单）：Awrittencontractbetweenaninsurancecompanyandtheinsuredthatoutlinesthetermsandconditionsoftheinsurancecoverage.Premium（保险费）：Theamountofmoneyanindividualorbusinesspaysforaninsurancepolicy.Claim（索赔）：Arequestmadebyaninsuredforpaymentunderthetermsofaninsurancepolicyforacoveredloss.Deductible（免赔额）：Theamountofmoneyaninsuredindividualorbusinessisrequiredtopaybeforeaninsurancecompanywillpayaclaim.Underwriter（承保人）：Anindividualorcompanythatdeterminestherisksandpricingofinsurancepolicies.Lifeinsurance（人寿保险）：Insurancethatpaysoutasumofmoneyeitheronthedeathoftheinsuredpersonorafterasetperiodoftime.Healthinsurance（健康保险）：Insurancethatcoversthecostofmedicalandsurgicalexpensesincurredbytheinsured.Propertyinsurance（财产保险）：Insurancethatprovidesprotectionagainstriskstoproperty,suchasfire,theft,ornaturaldisasters.Liabilityinsurance（责任保险）：Insurancethatprovidesprotectionagainstclaimsresultingfrominjuriesanddamagetootherpeopleorproperty.三、金融衍生品相关词汇3.1期货合约Futurescontract（期货合约）：Alegalagreementtobuyorsellacommodityorfinancialinstrumentatapredeterminedpriceataspecifiedfuturedate.Settlement（交割）：Theprocessoftransferringownershipofafuturescontractfromthesellertothebuyer.Margin（保证金）：Theamountofmoneyorcollateraldepositedbyabuyerorsellerofafuturescontracttocoverpotentiallosses.Longposition（多头头寸）：Theownershipofafuturescontractbyabuyerwhoexpectspricestorise.Shortposition（空头头寸）：Theownershipofafuturescontractbyasellerwhoexpectspricestofall.Marktomarket（按市价计算）：Theprocessofvaluingafuturescontractatcurrentmarketpricestodeterminepotentialgainsorlosses.Deliverymonth（交割月份）：Themonthinwhichafuturescontractexpiresandphysicaldeliveryoftheunderlyingassetismade.3.2期权合约Optioncontract（期权合约）：Afinancialcontractthatgivestheholdertheright,butnottheobligation,tobuyorsellanunderlyingassetatapredeterminedpricewithinaspecifiedperiodoftime.Calloption（认购期权）：Anoptioncontractthatgivestheholdertherighttobuytheunderlyingassetatapredeterminedprice.Putoption（认沽期权）：Anoptioncontractthatgivestheholdertherighttoselltheunderlyingassetatapredeterminedprice.Premium（期权费）：Thepricepaidbythebuyerofanoptioncontracttothesellerfortherighttobuyorselltheunderlyingasset.Expirationdate（到期日）：Thedateonwhichanoptioncont