金融英語(yǔ)視聽說第三章聽力原文及答案

1、Unit3ShtDialoguesTask1MultipleChoices&AnswersDialog1M:HiXiaohong.ThereisnewsaboutbankruptciesofsomeU.S.banks.Itseemsthebanksaresubjecttosomerisksintheiroperation.W:Yes.Excessiveinterestrateriskcanposeasignificantthreatto

2、abank’searningscapitalbase.M:DoyouknowtheexactmeaningoftheinterestrateriskW:Itisdifficulttoexplainitinafewwds.Letmeseeeh…Generallyspeakinginterestrateriskistheriskarisingfromthechangeinvalueofaninterestbearingassetsuchas

3、aloanabondduetofluctuationininterestrates.Asratesrisethepriceofafixedratebondwillfall.Asratesfallthepriceofthebondwillrise.M:Sothetaskofcontrolovertheinterestrateriskwouldbecriticaltobanksbecausethechangeininterestratesw

4、illaffectthevalueofabank’sinterestbearingassets.W:Rightbutsometimesitisbeyondthecontrolofonebank.Question:Whatisusuallyconsideredthecauseofinterestrateriskaccdingtothewoman(D)譯文男：嗨，曉紅。有些關(guān)于美國(guó)銀行破產(chǎn)的新聞。銀行的經(jīng)營(yíng)似乎容易受到某些風(fēng)險(xiǎn)的影響。女：是

5、。過度的利率風(fēng)險(xiǎn)會(huì)威脅到銀行的收益和資本基礎(chǔ)。男：你知道利率風(fēng)險(xiǎn)的準(zhǔn)確含義嗎？女：幾句話很難說清楚。讓我想想，嗯。一般來說，利率風(fēng)險(xiǎn)產(chǎn)生于附息資產(chǎn)，如貸款或債券的價(jià)格變化，其價(jià)格因利率的上下浮動(dòng)而變化。當(dāng)利率上升時(shí)，固定利率債券的價(jià)格就下跌。當(dāng)利率下跌時(shí)，這些債券的價(jià)格就上漲。男：所以對(duì)于銀行來說，控制利率風(fēng)險(xiǎn)的任務(wù)是至關(guān)重要的，因?yàn)槔实淖兓瘯?huì)影響到銀行的附息資產(chǎn)的價(jià)值。女：對(duì)。但有時(shí)不是一家銀行可以控制局面的。Dialog2M:Pr

6、ofessWangwouldyoutellmewhatwouldhappenifabankhadinadequateliquidityW:TherewillbedireconsequencesIthink.Youknowthatliquidityisaprimeconcerninbankingoperationashtageofliquidityhasoftenbeenatriggerfbankfailures.Howeverholdi

7、ngassetsinahighlyliquid男：我知道，這是防范信用風(fēng)險(xiǎn)的措施。Dialog4M:DianawhatdoyouthinkofthesubprimemessintheUnitedStatesW:I’veheardofthewdhundredsoftimesthesedays.AsfarasIknowitisoneofthehugeriskscausedbyhedgefundstheconflictsofinteresth

8、aveledalotofbankscompaniesespeciallyinvestmentbanksintotrouble.Theyarealltheconsequencesoffinancialderegulation.Somepeoplecommentedthattheywouldreversefieldintimetopreventanother1929.M:Someeconomicstrategyhasattractedalo

9、tofcriticismrecently.Theyhavecomeintofceinthenameoffreemarketefficiency.PeoplecriticizedthatsomepolicieshavereplacedrealproductiveinnovationwithfinancialengineeringshiftedwealthfromfamiliestocpationsputtheentireAmericane

10、conomyatevergreaterrisk.Question:Whataretheytalkingabout(B)譯文男：黛安娜，對(duì)于美國(guó)的次貸危機(jī)你怎么看？女：這些天我已經(jīng)數(shù)百次聽到這個(gè)詞了。據(jù)我所知，這是對(duì)沖基金惹的一場(chǎng)大禍。各種利益的沖突導(dǎo)致許多銀行和企業(yè)，尤其是投資銀行陷入困境。這是撤銷金融管制產(chǎn)生的后果。有人評(píng)論說他們將及時(shí)調(diào)整方向，以免重復(fù)1929年的悲劇。男：最近有些經(jīng)濟(jì)戰(zhàn)略受到許多批評(píng)。這些政策是以提高自由市場(chǎng)效率的

11、名義實(shí)施的。有人批評(píng)說某些政策用金融操控手段取代了真正富有成效的革新，把財(cái)富從家庭轉(zhuǎn)移到公司，從而使整個(gè)美國(guó)經(jīng)濟(jì)處于高度風(fēng)險(xiǎn)之中。Task2ShtAnswerQuestionss&AnswersDialog1M:Goodnewsguys.I’vegotmyloanproposalgranted.W:Congratulations.Butbesurethatyoucangetenoughmoneytorepaytheloanwheniti

12、sdue.M:WhatwillhappenifIcouldnotrepaytheloanW:Thebankwillsellyourmtgagedhousethepaymentwillbeusedtepaytheloan.M:Ohitisterrible.I’llofcourserepayitontimebecauseIhaveaveryrationalrepaymentplanagoodjob.Question:Whatwillhapp