编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第PAGE28页共NUMPAGES28页第PAGE\*MERGEFORMAT28页共NUMPAGES\*MERGEFORMAT28页集一些金融英语，长一些财经知识Averagerevenueperuser(APRU)单个客户贡献度AU资产利用率ER费用比率AU-ER=ROAROA*EM=ROEEM股权乘数divisionoflabor劳动分工commoditymoney商品货币legaltender法定货币fiatmoney法定通货amediumofexchange交换媒介legalsanction法律制裁facevalue面值liquidassets流动资产illiquidassets非流动资产theliquidityscale流动性指标realestate不动产checkingaccounts,demanddeposit,checkabledeposit活期存款timedeposit定期存款negotiableorderofwithdrawalaccounts大额可转让提款单moneymarketmutualfunds货币市场互助基金repurchaseagreements回购协议certificateofdeposits存单bond债券stock股票travelers'checks旅行支票small-denominationtimedeposits小额定期存款large-denominationtimedeposits大额定期存款bankovernightrepurchaseagreements银行隔夜回购协议banklong-termrepurchaseagreements银行长期回购协议thriftinstitutions存款机构financialinstitution金融机构commercialbanks商业银行ameansofpayment支付手段astoreofvalue储藏手段astandardofvalue价值标准reserve储备note票据discount贴现circulate流通centralbank中央银行theFederalReserveSystem联邦储备系统creditunion信用合作社papercurrency纸币creditcreation信用创造branchbanking银行分行制unitbanking单一银行制outofcirculation退出流通capitalstock股本atpar以票面价值计electronicbanking电子银行bankingholdingcompany公司银行thegoldstandard金本位theFederalReserveBoard联邦储备委员会thestockmarketcrash股市风暴reserveratio准备金比率deficit亏损roll展期wholesale批发default不履约auction拍卖collateralize担保markup价格的涨幅dealer交易员broker经纪人pensionfunds养老基金faceamount面值commericalpaper商业票据banker'sacceptance银行承兑汇票Fedfund联邦基金eurodollar欧洲美元treasurybills国库券floating-rate浮动比率fixed-rate固定比率defaultrisk拖欠风险creditrating信誉级别taxcollection税收moneymarket货币市场capitalmarket资本市场originalmaturity原始到期期限surplusfunds过剩基金宏观经济的macroeconomic通货膨胀inflation破产insolvency有偿还债务能力的solvent合同contract汇率exchangerate紧缩信贷tightencreditcreation私营部门privatesector财政管理机构fiscalauthorities宽松的财政政策slackfiscalpolicy税法taxbill财政publicfinance财政部theMinistryofFinance平衡预算balancedbudget继承税inheritancetax货币主义者monetariest增值税VAT(valueaddedtax)收入revenue总需求aggregatedemand货币化moneti