UNIT ONEdivision of labor 劳动分工commodity money 商品货币legal tender 法定货币fiat money 法定通货a medium of exchange 交换媒介legal sanction 法律制裁face value 面值liquid assets 流动资产illiquidl assets 非流动资产the liquidity scale 流动性指标real estate 不动产checking accounts,demand deposit,checkable deposit 活期存款time deposit 定期存款negotiable order of withdrawal accounts 大额可转让提款单money market mutual funds 货币市场互助基金repurchase agreements 回购协议certificate of deposits 存单bond 债券stock 股票travelers'checks 旅行支票small-denomination time deposits 小额定期存款large-denomination time deposits 大额定期存款bank overnight repurchase agreements 银行隔夜回购协议bank long-term repurchase agreements 银行长期回购协议thrift institutions 存款机构financial institution 金融机构commercial banks 商业银行a means of payment 支付手段a store of value 储藏手段a standard of value 价值标准 UNIT TWOreserve 储备note 票据discount 贴现circulate 流通central bank 中央银行the Federal Reserve System 联邦储备系统credit union 信用合作社paper currency 纸币credit creation 信用创造branch banking 银行分行制unit banking 单一银行制out of circulation 退出流通capital stock 股本at par 以票面价值计electronic banking 电子银行banking holding company 公司银行the gold standard 金本位the Federal Reserve Board 联邦储备委员会the stock market crash 股市风暴reserve ratio 准备金比率 UNIT THREEdeficit 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pension funds 养老基金face amount 面值commerical paper 商业票据banker's acceptance 银行承兑汇票Fed fund 联邦基金eurodollar 欧洲美元treasury bills 国库券floating-rate 浮动比率fixed-rate 固定比率default risk 拖欠风险credit rating 信誉级别tax collection 税收money market 货币市场capital market 资本市场original maturity 原始到期期限surplus funds 过剩基金