走近外匯市場(chǎng)

Foreign Exchange dealings take place on the Foreign Exchange market，they may be subject to Exchange Control. The Foreign Exchange market consists of the exchange dealers of the banks and the exchange brokers. It is made up of two sections： the spot market for spot transactions，and the forward market for forward transactions. Spot transactions are foreign exchange transactions that have to be settled promptly，forward transactions have to be settled on an agreed future date. The price of one currency in terms of another is called the rate of exchange or exchange rate. There are different rates for the different exchange instruments，The rates at which the banks sell foreign exchange (selling rates) are higher than the rates at which they buy (buying rates). Spot transactions are concluded at the spot rate and forward transactions at the forward rate. The forward rate may be higher or lower than，or on the same level as，the spot rate. If the forward rate is above the spot rate，the difference is called the premium，if the forward rate is below the spot rate，the difference is known as a discount. If the forward rate is on the same level as the spot rate，they are known as at par.

在外匯市場(chǎng)上進(jìn)行外匯交易，可能會(huì)受到外匯管制。外匯市場(chǎng)由銀行的外匯交易員和經(jīng)紀(jì)人組成，分為兩大部分：即期交易市場(chǎng)和遠(yuǎn)期交易市場(chǎng)。即期交易是指必須立刻進(jìn)行交割的外匯交易；遠(yuǎn)期交易必須在雙方約定的將來某個(gè)日期進(jìn)行交割。一種貨幣的價(jià)格用另一種貨幣來表示，叫做匯率。不同的信用工具有不同的匯率，即電匯匯率。即期交易按即期匯率交割，遠(yuǎn)期交易按遠(yuǎn)期匯率交割。遠(yuǎn)期匯率可能會(huì)高于、低于或等于銀行賣出外匯（賣出匯率）要比買入外匯（買入?yún)R率）的價(jià)格要高。如果遠(yuǎn)期匯率高于即期匯率，其差額叫做升水；如果遠(yuǎn)期匯率低于即期匯率，其差額叫做貼水。如果遠(yuǎn)期匯率等于即期匯率，叫做平價(jià)。

核心單詞

exchange [iks5tFeindV] v. 交換；調(diào)換；兌換

broker [5brEukE] n. 經(jīng)紀(jì)人

transaction [trAn5zAkFEn] n. 交易；業(yè)務(wù)；買賣

rate [reit] n. 比例，率；比率

財(cái)經(jīng)知識(shí)一點(diǎn)通

現(xiàn)貨交易( spot transaction)

指買賣雙方以實(shí)物交割為目的的商品交易方式。按其交割時(shí)間不同，可分為即期現(xiàn)貨交易和遠(yuǎn)期現(xiàn)貨交易。即期現(xiàn)貨交易是現(xiàn)買現(xiàn)賣，錢貨兩訖，即由擁有商品準(zhǔn)備立即出售的賣方和擁有貨幣但想立即得到商品的買方直接見面，即時(shí)成交。

升水(Premium)

金銀幣在銷售時(shí)，其本金本銀部分是按國際價(jià)格而確定的，而加工費(fèi)和利潤部分稱為升水。升水是指遠(yuǎn)期匯率高于即期匯率，與貼水對(duì)應(yīng)。在通常情況下，銀行報(bào)出的升貼水?dāng)?shù)只報(bào)兩位或三位數(shù)。升貼水?dāng)?shù)的大小，兩個(gè)數(shù)的排列次序也按升水或貼水而不同。在直接標(biāo)價(jià)法下，小數(shù)在前，大數(shù)在后，即為升水；在間接標(biāo)價(jià)法下，若是小數(shù)在后，大數(shù)在前，即為升水。

翻譯行不行

Foreign Exchange dealings take place on the Foreign Exchange market，they may be subject to Exchange Control.

It is made up of two sections： the spot market for spot transactions，and the forward market for forward transactions.

The forward rate may be higher or lower than，or on the same level as，the spot rate.

第一章 The Courses that Make You Rich in University

讓你致富的8門大學(xué)課程

Is it common knowledge that school doesn’t prepare you well for the real world？

Sure，you can get a good degree，find a well-paying job，work until you’re in your 60s，and then retire to enjoy the life you’ve deferred for 40 years. However，that may not prove to be a successful life，a secure life，a financially sound life. A lot will depend on your outlook and your goals but know this： School doesn’t prepare you well for achieving wealth or becoming an entrepreneur and it downright fails at teaching you how to be rich.

Nevertheless，school is here to stay. For now. Thus，it helps to identify which classes are the most relevant and helpful for those of us looking to become rich entrepreneurs. There are，in fact，several courses that contain critical information and instruction that，if used correctly，will put you on your path to riches.

Accounting

Although this list is in no particular order，I think Accounting is，by far，the most important course to take if you want to succeed financially. Today’s “credit crunch”illustrates that there are too many people who do not understand a balance sheet. Someone who walks into Best Buy and pays for a 47-inch plasma television with a credit card does not comprehend the difference between an asset and a liability.

Learning the difference between assets and liabilities，as well as concepts like inventory and cash flow，is essential if you intend on keeping your finances in order. Moreover，these concepts are crucial if you want to start your own business. The health of a business is reflected in its balance sheet and financial statement. As those numbers go，so does the business. Accounting will help you understand that cash flow is what helps a business succeed，and it is what helps you as an individual succeed.

Marketing

If you intend on making money from selling something (which，incidentally，is how any business makes money)，then you need to learn how to find the right product. Marketing，in and of itself，is not selling. However，it helps you learn how to promote certain products and services. By taking Marketing，you can understand the process involved in figuring out what consumers want，focusing on a product that satisfies those desires，and the attempt at moving consumers toward that product.

Too often，products fail because their creators didn’t bother to learn whether a market existed for that product. This process involves research and time，but，in the end，it can save a business thousands，if not millions，of dollars. As an entrepreneur，it can also save you valuable time and money. Find the market first，and then develop the product.

Economics