有關貨幣的金融英語

　　現在在我們的身邊到處都有金融，那麼你會金融的英語句子嗎，今天小編就給大家看看金融英語，希望能幫助到大家。

　　金融英語：貨幣和外匯

　　currency and exchange貨幣和外匯

　　currency is money issued by governments and central banks throughout the world. an exchange rate is the rate at which one currency can be exchanged for another. the value of one currency compared to another for the purpose of exchange is determined by either a “fixed” or a “floating” rate. a fixed rate is one that is set and maintained by a government or central bank. a floating rate is determined in the foreign exchange, or forex, market by supply and demand. travelers must buy the currency of the country which they are visiting in order to make purchases in local markets. although today, both fixed and floating rate currencies are used, most exchange is governed by rates set through a “managed float.”

　　貨幣是各國政府和中央銀行發行的錢幣。匯率是一種貨幣轉換為另一種的比率。一種貨幣對另一貨幣的轉換價值取決於固定匯率或浮動匯率。固定匯率是固定的並由政府或中央銀行維持。浮動匯率取決於外匯及市場的供給和需求。旅行者必須購買旅遊當地的貨幣從而進行消費。雖然現如今同時使用固定和浮動利率，但大多數利率採用固定利率並帶有一定的浮動。

　　金融英語：利息

　　interest利息

　　interest is the cost of using money. the interest rate paid is usually expressed in annual terms though money market instruments may have a shorter term than

　　one year. an interest rate is determined by dividing the amount of interest paid by the principal amount borrowed. for example, if a $1000 bond pays $85 in

　　interest for one year, the annual interest rate is 8.5 percent. in the u.s. some interestbearing bonds, such as municipals, entitle the bearer to an exemption from

　　certain taxes on interest income. the interest paid by a company on its outstanding debt as well as the interest paid by a homeowner on his/her mortgage, i

　　s deductible from income as an expense and so can reduce the amount of tax owed.

　　利息是使用貨幣的成本。利率的支付形式通常以年為期限，雖然金融市場票據會有一個更短的時間。利率的制定取決於借款本金所劃分的利息。舉個例子，如果1,000美元的債券每年支付85美元那麼年利率就是8.5%.美國有一些有息債券，如政府債券，它允許持有人在利息收益上有一定的免稅。公司未償債務和按揭住房的屋主需支付的利息可以作為一項費用減少他們的應交稅金。

　　金融英語：保證金

　　margin保證金

　　margin allows investors to buy securities with money borrowed from brokers or banks. it is calculated based on the difference between the market value of the

　　stock and the loan made by the lender. the extension of credit to customers for securities transactions in the u.s. is regulated by: the federal reserve board,

　　the new york stock exchange nyse, the national association of securities dealers nasd, and individual firms. the federal reserve regulates the amount of

　　money that a broker may lend to a customer through regulation t reg t. although reg t allows for the extension of margin credit for any listed security,

　　most brokerage firms have more strict lending rules and will not lend for the purchase of low-priced penny stock securities.

　　投資者可以通過保證金從經紀人或銀行借款來購買證券。保證金的計算取決於股票的市場價值和貸款的差異。美國的聯邦儲備局，紐約證券交易所，全美證券交易商協會和個別公司共同規定證券客戶的信貸延展問題。美聯儲通過法規t來限制經紀人對客戶的貸款數額。雖然法規t允許對一些保證金賬戶延展信貸，但大多數證券經紀公司對貸款有更嚴格的規定並且不會貸款給客戶來購買低價股票。