基本信息出版社：中国金融出版社
页码：430 页
出版日期：2009年08月
ISBN：7504950491/9787504950499
条形码：9787504950499
版本：第1版
装帧：平装
开本：16
正文语种：中文

内容简介 《现代金融业务》是综合考试中的一门，涵盖从中国金融业概述、银行和金融机构监管、中国外汇体制等宏观方面的知识到银行中间业务、银行信贷、国际结算、证券和期货、保险基础等微观业务知识。《现代金融业务》为金融英语证书综合考试教材《现代金融业务》的辅导材料。其结构安排和教材内容编排一致，方便读者阅读参考，对教材中的难点、重点问题进行了详细的讲解，每章后附有单词、短语、术语的释义，对读者复习迎考有一定的帮助。
编辑推荐 《现代金融业务》由中国金融出版社出版。
目录
综述
第一部分 中国金融业概述
第二部分 银行业与金融机构监管
第三部分 中国的外汇体制
第四部分 会计
第五部分 中间业务
第六部分 贷款
第七部分 国际结算
第八部分 证券市场与期货市场
第九部分 保险基础知识
第十部分 银行函电
附录一 各部分 练习参考答案
附录二 试题选编及答案
参考文献
……
文摘 插图：


Passage Two
The banking industry plays a critical role in a country's financial system and eco-nomic development. If any country wants to build a healthy financial system and a sta-ble, balanced economic development, a robust banking industry must be in place. Forthis reason, a bank's business and operation should be consistent with its government'smacro-economic policy. From a government perspective, if there is over-investment insome industry, or segment, the government will control this overheated industry or seg-ment. If there are insufficient inputs in some industry or segment, and if this industry orsegment is of strategic importance to either people's life or a country's development, itwill be very natural for the government to try to mobilize more resources and capitalthere by promulgating macro-economic policy. Then the regulating authorities will seekto use their window guidance function to confine or boost the banking industry's loangrowth to a reasonable level.
Sometimes, a bank's overall loan growth goal and its loan growth aim for a specificindustry is consistent with those of the regulating authorities. It means that the bank hasthe same judgment on the overall economic development and on a specific industry'sprospect with the government. In practice, it is shown in the bank's decision on lendingbusiness, whether to increase, maintain, gradually decrease or even withdraw the loandisbursement in some industry. While sometimes, it is not the case. Because the gov-ernment views economy from a national perspective and there must be imbalance be-tween different regions and clients.　It is a kind of tradeoff between long-term interestand short-term returns, a healthy national economy and a bank's profitability. We can-not deny that there are still some high quality clients in some overheated industry.Banks can still make great profits via lending to them. But for the banking industry, the
……