有关金融的英语口语对话
学习金融英语，需要我们去突破自己的英语口语能力，下面本站小编为大家带来有关金融的英语口语情景对话，欢迎大家学习!
H:Today it is an honour for me to be invited here and we will have a free talk about theInternational Monetary System.
霍：今天我很荣幸地被邀到这里来谈谈有关国际货币制度.
Could you ask some questions, please?
请你们来提一些问题好吗?
S1:We have been reading a great deal recently about exchange rate fluctuations,
学1：最近，我读了大量有关外汇汇率浮动，
clean and dirty floats and so on, but I am not quite sure what the International MonetarySystem is.
不受限制的和受限制的汇率浮动等等，但是对于什么是国际货币制度， 我还不十分清楚。
H:Well, the term International Monetary System actually refers to a series of agreementsamong the major governments and their central banks to bring order and stability to theinternational exchange markets.
霍：噢，“国际货币制度”这一术语实际上是为了维护国际外汇市场的秩序和稳定，一些影响较大的政府和中央银行之间所签定的一系列协定。
The most important, signed in 1944, is called the Bretton Woods Agreemen
最为重要的一个协定是1944年签定的布雷顿森林协
Then it established the World Bank and the International Monetary Fund.
根据该协定建立了世界银行和国际货币基金组织。
S2:Oh, you mean these agreements regulate international exchange rates?
学2:那么,您是说由这些协定来管理国际汇率
H:Yes. They did until 1971.
霍：是的，直到1971年。
S3:What happened in 1971 to change this?
学3：什么原因在1971年改变了这一点呢?
H:The surplus of dollars abroad from foreign aid,
霍：由于外援而造成国外的美元过剩，
capital exports and chronic balance of payments deficits forced the U.S. to formally suspendgold convertibility.
资本的输出和长期的国际收支逆差迫使美国正式中止了黄金可兑换性，
This brought an end to the old Bretton Woods System.
致使旧的布雷顿森林体系宣告结束。
S4:Then, was the Smithsonian Agreement signed?
学4：然后签订了史密森协定?
H:You are right. In December 1971.
霍：是这样。在1971年12月签订的。
Under this agreement and others the fixed rate exchange system has been changed to afloating exchange rate system in which the values of various currencies fluctuate to restorebalance-of-payments equilibrium.
在这一协定和其他协定的指导下，固定的外汇汇率制度转变为浮动汇率制度，在这个制度中，以各种货币价值的波动来恢复国际收支差额的平衡。
S4:I see. But I have another question. Are foreign exchange rates free to change according tothe laws of supply and demand now?
学4：我明白了，但我还有一个问题。现在外汇汇率是按照供需规律自由地变化吗?
H:Not quite. In fact, we now have another system, a dirty float system.
霍：也不完全这样。实际上，我们现在建立了另一个制度，受限制的汇率浮动的制度。
You know there is a lot of flexibility in exchange rates in accordance with balance of paymentfactors,
你们知道按照国际收支差额因素，汇率有很大程度的灵活性，
central banks still intervene in the market by buying or selling large amounts of foreigncurrencies to prevent wide ranging fluctuations.
中央银行仍然使用买进或卖出大量外币的办法来防止大幅度的外汇浮动，以此来干预外汇市场。
S5:A clean float would be better, wouldn't it?
学5：不受限制的汇率浮动更好些，是吗?
H:I think, a clean float means that the parity rate of various currencies would go up or go downto restore balance-of-payments equilibrium.
霍：我想，不受限制的汇率浮动意味着各种货币的比价能以涨价或跌价来恢复国际收支差额的平衡。
Therefore, a country's international trade position could be affected by an appreciation of itscurrenc
因此,一个国家的外贸地位因为它的货币的增值而受到影
That's why it takes a great deal of international cooperation to make the present system work.
这就是为什么需要大量国际间协作才会使得这个现行制度发挥作用。
S:Thank you for your talk.
学：谢谢您的报告。
有关金融英语口语对话(二)Mr. Wang:I'm afraid, Miss Li, you're not quite accurate when you call a computer an 'electronic brain'.
王：李小姐，你把计算机叫做电脑恐怕不太确切。
Miss Li:Oh! But most people do.
李：噢!不过大多数人都是这样说的。
Mr. Wang:Yes, it was given that title by some misguided journalist not long after the first modern electronic computer was built in 1946.
王：是，这种称呼是在1946年制造出第一台现代化计算机之后不久，有一位新闻记者错误地给计算机戴上的。
Mr. Song:It is electronic, Mr. Wang, so therefore you must be objecting to the word brain.
宋：这是电子的，王先生，因此你一定会反对用脑子这个词来称呼它。
Mr. Wang:Exactly, Mr. Song. There are similarities with the human brain,
王：确实如此。宋先生。计算机同人脑有相似性。
but there is one very important difference.
但二者之间有一个非常重要的差别。
Miss Li:The computer is better?
李：把它称作计算机不是更好吗?
Mr. Wang:In some ways, yes, but not in something which is quite fundamental.
王：在某些方面可以这样说，但在某些根本性的问题上就不行了。
Mr. Song:Mr. Wang, do you mean the fact that the machine is controlled by man?
宋：王先生，你是否指的是计算机是由人控制的这样一个事实?
Mr. Wang:I do. You see, despite all its accomplishments, the socalled electronic brain must be programmed by a human brain.
王：是的。你知道，任凭它能完成所有计算，但所谓的电脑还是必须由人脑来给它编制程序的。
Miss Li:Programmed?
李：编制程序?
Mr. Song:Yes, Miss Li. A program is a sequence of instructions prepared for the computer for a specific calculation,
宋先生：是的，李小姐。程序是计算机做特定的。
or series of calculations, enabling the computer to solve a given program.
或一系列的计算机所准备的一连串的指令，这样才能使计算机去解决给定的问题.。
Mr. Wang:The point is that a human tells the machine what to do,
王：其要点是由人告诉机器做什么，
when to do it and how it is done.
什么时间做，怎样做完。
Miss Li:I see! Do you also program information for the computer's memory?
李小姐：我明白了!那你还要给计算机的存储器编入信息吧!
Mr. Wang:Correct, except the word memory has rather gone out of fashion.
王：对的，不过“记忆”这个词早已过时了。
The computer doesn't really remember. Information is stored in it.
计算机并不真正记忆。信息是贮存在机内的。
We refer to core storage, or the store of data.
是指核心存储，或是叫数据存储。
Miss Bai:Mr. Wang, the machine's free now for a real time demonstration.
白：王先生，现在计算机正空在那里呢!可以做实时演示。
Mr. Wang:Thank you, Miss Bai. If you'd like to follow me...
王：谢谢你，白小姐。请跟我们来...
These are called interrogating typewriters.
这些称为交互查询打印机。
Mr. Song:And that's the input-output system?
宋;那是输入输出系统吗?
Miss Bai:That's right. It's the method best suited to the particular needs of this organization.
白：是的，这是适用于组织计算特种需要的最佳方式。
Mr. Wang:The operator - this young lady - types the information or questions, or both.
王：我们年轻的操作员小姐键入问题或提问题，或是两者都进行。
Miss Ding:Yes. This produces two very different copies.
丁：对。这里输出的是两种完全不同的拷贝。
:One's an ordinary typewritten copy.
宋;一份是一般打印出来的文本。
Mr. Wang:That's right. Then her typing also sends pulses down a line,
王：对的。然后操作员再把这脉冲输入给线路，
an ordinary telephone line.
一种普通电话线路。
And this simultaneously cuts the information or question on to a paper tape which is fed into the computer.
随即计算机同时把信息或问题打印在送入计算机的纸带上。
I think Miss Bai here can tell you the rest.
我想白小姐可以告诉你们此后的其他情况。
有关金融英语口语对话(三)S:The customer then has the right to demand purchase or sale of a specified currency at an agreed exchange rate up to an agreed date,
斯：这样客户就可以在与银行的外汇期货合约上规定的任何时间内，拥有以约定的某一汇率要求买或卖的权利。
say, three week's time.
比如说，三周后的当天。
Z:But supposing the exchange rate in three week's time is better than the one the customer has agreed on with the bank?
张：但假定三周后的汇率要比客户与银行所商定的好，那该怎么办呢?
S:In this case, the customer needn't use the option.
斯：这时，客户就不需要使用期权。
Z:So, the term 'option' in 'currency option' suggests the choice of the customer to use or not to use. Am I right?
张：这样说来，期权这个术语的“权”就意味着，客户可以选择使用或者放弃。我说得对吗?
S:Yes, exactly. In the case of the German company, if the rate between the Deutschmark and the US dollar is worse than the one the company and the bank have agreed on,
斯：对极了!在那个德国公司一例中，如果德国马克与美元之间的汇率比公司和银行的合约上约定的汇率差。
the company will of course exercise option. Only in this way,
该公司就理所当然行使期权。这样一来，
the company will avoid any loss due to the fall in exchange rates.
该公司就不承担由于汇率下跌引起的任何风险。
And this is the basic idea of the currency option.
这就是“期权”的基本含义。
Z:I'm getting it now. Not matter how the exchange rate is moving up or down,
张：我明白了。不管汇率是下升还是下跌，
and the customer decides to use the option or not, the cost is only the premium for the option.
客户决定用期权还是不用，所花的成本只是购买期权时所付出的保险费而已。
S:You are not incorrect. Some experts say that the currency options market may develop to replace forward contracts over the next few years.
斯：你说得对!一些行家认为，外汇期权市场发展起来，将在今后几年取代外汇期货的市场。
Z:I can understand why. With the development of currency options market in treasury services provided by banks,
张：我知道为什么。随着银行对期权市场提供各处财政金融方面的服务，
forward rate market is becoming anyhow redundant, isn't it?
这一市场发展迅猛，而外汇期货市场则显得越来越多余了，这是不是这样?
S:Yes. The currency options market, compared with the forward,
斯：对。期权市场和期货市场相比，
can cover a larger proportion of the sort of business.
能涵盖更多的业务。
And clearly, the option has more advantages than the forward.
很显然，期权比期货具有更多的优越性。
Z:Yes, I see. But I can't make it clear in my own words.
张：是的，我清楚了。但我不能用自己的话来概括。
S:Let me help you. Most companies seek forward cover to kill off the downside risk in foreign exchange dealing.
斯：我来帮你概括吧。大多数公司采用期货交易来消除外汇交易的汇率风险。
An option can also do that. With the option, the customer has an insurance-like product to cover itself against downside risk.
而期权同样能做到这一点，而且客户有了一种风险-正如给商品上了保险一样。
But a forward contract kills off the upside possibility.
但是期货合约同时也消除也汇率上升的可能性。
On the contrary, an option does not simultaneously kill off the upside.
相反，期权则保留了汇率上升的有利方面。
Instead,with the option,the customer kills off the downside risk and keeps the upside possibility.
客户运用期权，不仅消除了汇率下跌带来的风险，而且保留了汇率上升带来的有利机会。
Z:So the most important advantage of an option is that it covers downside and keeps upside.
张：所以说，期权的最大优点就是留住上升机会，避免下跌风险。
S:Yes, you are good at making summaries.
斯：你的概括能力真强。
The second advantage of a currency option is that the customer has a known worst case.
期权交易的第二个优点就是，客户对最坏的情况心中有数。
Once the exchange rate is agreed upon between the customer and the bank,
一旦客户与银行的合约中心规定了某一汇率，
no one can come and ask the customer for more money,
就再也不会有人来向客户要一分钱了。
except the option premium the customer has paid to the bank.
那么，除了支付给银行一笔保险金后。
Z:So, the option premium is like insurance premium a customer pays to an insurance company against possible loss.
张：所以说，期权保险金如同客户为避免可能的损失而向保险公司支付的那种保险金了。
S:A very vivid description. They share the same idea.
斯：非常生动贴切的比喻。这两者的道理是一样的。
Z:Are there any other advantages of an option?
张：期权还有其它的优点吗?
S:It is especially useful for covering contingent flows;
斯：它对意外的流动特别有好处。
however, the customer can't cover that kind of risk with a forward contract.
但是在外汇期货合同中客户就不能够避免这种风险。
Z:I'm much obliged to you for your help.
张：十分感激您给我的帮助。
S:It's my pleasure.
斯：不必客气。
有关金融的英语口语情景对话
