金融英语考试

金融专业英语证书考试参考书目

银行综合类

1、金融专业英语证书考试（银行综合类）教材——现代银行业务 (第二版)（第一版可继续使用） 金融专业英语证书考试委员会编写 FINANCIAL ENGLISH CERTIFICATE TEST(MODERN BANKING PRACTICES)

2、金融专业英语证书考试（银行综合类）《现代银行业务》(第二版)学习参考 金融专业英语证书考试委员会编写

3、银行间业务往来（听力训练磁带，初、中级共一套）

CASSETTE FOR FINANCIAL ENGLISH CERTIFICATE TEST(BANKING COMMUNICATION) 香港银行学会编

中级

1、经济学 BANKING CERTIFICATE ECONOMICS

2、会计学 BANKING CERTIFICATE ACCOUNTING

3、银行业务 HONG KONG BANKING SYSTEM AND PRACTICE

4、法律 GUIDE TO HONGKONG LAW

5、模拟试题与答案 SAMPLE QUESTIONS AND SUGGESTED ANSWERS

6、《香港法律指南》中文导读

7、香港银行学会会刊Banking World

以上由香港银行学会编，《香港法律指南》中文导读由考委会组织专家翻译。

第一部分：听力 investment fund ——unit trust的优点、charges的类型之类的。。。语速真是快，没多少记得下来，都靠仅存的一点记忆。

第二部分：改错（顺序有点颠倒的）

1、interbank lending and borrowing的定义，错误点把secured 改为unsecured

2、capital adquency ratio是12%？

3、liquidity ratio是25%？

4、ETRS（Electronic Trade Related Services）的定义

5、 Under RTGS system .all licensed banks and anthorized institutions in hongkong open and maintain HKD accounts with the HKMA。

6、collateral 的定义

7、SWIFT的定义transfer system

8、

9、

10、

第三部分（顺序颠倒的）

1、exchange rate fluctuate 的两点原因

2、列出外贸交易中的3种commercial instrument

3、在partnership 中assess credit risk 的4个步骤

4、CIF、FCA的全名

5、Certificate of Deposite的定义

6、

7、

第四部分（2选1）

1、（1）installment loan 的特点（14分）

（2）举例说明installment loan 的3种purpose，在每种purpose后面都至少举一个例子（6分）

2、（1）P/A，P/D

（2）写出五个关于collection的优点

没记清楚，大概是这方面的，因为没有选这题

第五部分（3选1）

1、关于HKMA的职责之类的

2、名词解释

foreign Exchang SWAP

futures contract

option

3、overtrading 的symptoms（10分）

在给limited companies 贷款之前银行要做些什么？（10分）

本考试要求应试者掌握西方经济学、会计学基本概念，并熟悉经济理论及其运用，掌握不同类型的会计运算工作，掌握银行业基本知识与实务，与银行业相关的法律基本知识及国际惯例，掌握了解国际金融中心的实务和基础知识。能运用英语处理银行业务函电、信件和能够阅读英语金融专业报刊、杂志，熟练地从事银行业务操作和管理工作。本考试要求应试者四年内通过《经济学》、《会计学》、《银行业务》、《法律》4科考试及相关听力。 《银行业务》考试大纲

宗旨

本考试注重测试考生银行实务基本知识，要求考生了解熟悉国际金融中心的银行实务和基础知识。

考试范围

1、银行服务

-企业客户融资服务；包括流动资金贷款、创业贷款、银团贷款和项目贷款。透支便利。保理服务、租赁、担保等服务。公司融资和商人银行服务。投资和商务咨询服务。

-私人和客户的关系。个人贷款、信用卡、自动取款、旅行支付手段、保险服务、分期付款购物、投资咨询服务、大额存单、执行遗嘱及资产信托服务。

2、外汇和资金调拨

-货币兑换

-汇率，即期和远期

-资金调拨方式(票汇、信汇、电汇)

3、国际贸易融资

-跟单信用证

-跟单托收

-价格术语及单据

4、贷款

-基本要点

-贷款种类：私人贷款，商人贷款，银行同业贷款。政府贷款。

-贷款人种类：独资业主，合伙企业，有限公司。

-超资力扩张经营。

5、国际银行业规则

-资本充足率

-流动性比率。

参考书目：《香港银行体系与实务》(香港银行学会编)

考试时间：2小时30分

考试形式：试卷共5个部分。第一部分为听力(30分钟)，(参考资料：《银行间业务往来》录音带及参考书)。后4部分答题请按试卷提示。5个部分的分数相等。

金融英语：银行业务重点归纳（一）

第一章: The Hong Kong banking system – an introduction

1）The main features of the three-tier system

The essential feature of the change in the system is that the old categories of the Licensed Deposit –Taking Companies (LTDS) and the Registered Deposit-taking Companies (RTDS) were replaced by two new categories, the restricted licensed banks (RLBs) replace the LTDS and the deposit taking companies (DTCS) replace the RDCs.

There is no change in respect of Licensed Banks except that the minimum paid-up share capital for locally incorporated banks is increased from HK$100 million to HK$150 million.

The minimum paid-up shares capital requirement is now HK$25 million instead of HK $10 million as before.

2）The implications of the system

Sound overseas banks, even though they do not meet the approval criteria for a full license, are now allowed to branch into HK as RLBs, as an alternative to setting up a subsidiary here.

1. Direct entry to the tier of RLB is allowed.

2. The status of RLB is superior to that of the LDTC where a RLB is incorporated overseas.

3. Overseas banks are newly –authorized RLBs in branch form are allowed to operate only from offices in one building

4. Local banks traditionally operate in the retail market whereas overseas banks authorized as RLBs are mainly carrying on merchant banking business.

3）HK monetary authority:

1. Established in 1 April 1993

2. Merging the office of the Exchanged Fund with the Office of the Commissioner of Banking.

3. Purpose: to maintain the continuity and professionalism in HK’s monetary and reserves management and banking supervision, in a way which commands the confidence of the people of HK and the international financial community.

Responsibility:

1. Execution and development of monetary policy

2. Maintenance of exchange rate and monetary stability

3. Development of the debt market in HK

4. Promoting the efficiency, integrity and development of payment and settlement arrangements

5. Managing the assets of the Exchange Fund

6. Prudential supervision of authorized institutions under the Banking Ordinance

7. Formulating polices relating to banking supervision

8. HKMA is an integral part of the government but is able to employ staff on different terms to those of the civil service to attract personnel of the right caliber, experience and expertise.

9. HKMA is accountable to Financial Secretary, who is advised by the Exchange Fund Advisory Committee on matters relating to the control of the Exchanged Fund and on the annual budget of the HKMA.

Business scope:

1. Deposits

2. Loans

3. Settlement

4. Guarantees

5. Interbank borrowing and lending

6. Trade in Chinese treasury bond

1. Definition of a ―banking ―in Hong Kong

A bank is a financial intermediary, which provides special types of services relating directly or indirectly to finance. In Hong Kong, the Banking Ordinance defines a ―bank‖ as a company, which carries on ―banking business‖, and holds a valid bank license granted by the HKMA together with the SAR Chief Executive.

2. Banking business

Banking business is:

(1) Receiving from the general public money on current deposit, savings deposit or other similar account repayable on demand or within less than three months or at call or notice less than three month;

(2) Paying or collecting cheques drawn by or paid in by customers.

(3) Providing credit cards or charge cards to customers, give business advice, handle clients’ auto-pay system, transfer money, and provide foreign exchange and other services.

1.current deposit活期存款, current accounts do not usually produce any interest for the customers.

2.Only banks with valid licenses are allowed to offer cheque deposit account (current accounts)

金融英语：银行业务重点归纳（二）

第二章 Money, banking and the economy

1）Function of money

1. Medium of exchange

2. Store of value

3. A unit of account (standard of value)

4. Standard of deferred payment

2）Characteristic of money

1. Portability

2. Divisibility

3. Homogeneity and identifiability

4. Durability

5. Scarcity

6. Purchasing power stability

3）Type of money

1. Token money

2. Cheque account deposits

3. Commodity money

4）Cheque itself is not ―money‖; it is only the amount of money in the relevant account, which is considered to be ―money‖.

5）A required reserve ratio is a fraction of the deposits of the public that a bank hold in reserves; that is, the minimum amount of reserves a bank must, by law, keep either in currency or in deposits with the central bank.

6）Money multiplier=1/R

7） M1: the sum of legal tender coins and notes held by the public +the customers’ demand deposits placed with licensed bank

M2: the sum of M1+customer’s saving and time deposits with licensed banks + negotiable certificates of deposits (NCDs) issued by licensed banks held outside the banking sector

M3: the sum of M2+customer deposits with restricted license bank (RLB) and deposit-taking companies (DTCs) +negotiable certificate of deposits (NCDs) issued by these institutions held outside the banking sector.