Lâu rồi không gặp, dạo này mọi người khỏe không, công việc thế nào. Mình thì cũng tàm tạm, chỉ mong có thể yên bình sống qua ngày. Hôm nay cùng mình học từ vựng tiếng anh chủ đề TÀI CHÍNH NGÂN HÀNG nha. Hồi xưa mình cũng học ngành này, sau đó xin chuyển ngành sang Quản trị Kinh Doanh.
À mình là Thanh Huyền, một bạn nhỏ đang trải đời và lắm lời tâm sự.
Mọi người xem thêm các bài viết về tiếng anh tại ĐÂY và về các ngoại ngữ khác tại ĐÂY nhé!
Tắt chuông, thông báo và tập trung học thôi nàooo:)))
1. Banking and Transactions
Account (/əˈkaʊnt/): Tài khoản
She opened a savings account at the local bank.
Deposit (/dɪˈpɑː.zɪt/): Tiền gửi
Please make a deposit to your checking account by Friday.
Withdrawal (/wɪðˈdrɔː.əl/): Rút tiền
The ATM allows withdrawals up to $500 per day.
Balance (/ˈbæl.əns/): Số dư
Check your account balance before making a large purchase.
Transaction (/trænˈzæk.ʃən/): Giao dịch
All transactions are recorded in the bank statement.
Overdraft (/ˈoʊ.vɚ.dræft/): Thấu chi
An overdraft fee was charged due to insufficient funds.
Interest (/ˈɪn.trəst/): Lãi suất
The savings account offers a 2% annual interest rate.
Loan (/ˈloʊn/): Khoản vay
He applied for a loan to buy a new car.
Mortgage (/ˈmɔːr.ɡɪdʒ/): Thế chấp
The bank approved her mortgage for the new house.
Credit (/ˈkred.ɪt/): Tín dụng
She used her credit card to pay for the trip.
Debit (/ˈdeb.ɪt/): Ghi nợ
The purchase was deducted directly from her debit account.
Statement (/ˈsteɪt.mənt/): Sao kê
The monthly bank statement shows all transactions.
Transfer (/ˈtræns.fɚ/): Chuyển khoản
Please transfer $1,000 to the supplier’s account.
ATM (Automated Teller Machine) (/ˌeɪ.tiːˈem/): Máy rút tiền tự động
The ATM is out of service until tomorrow.
Branch (/bræntʃ/): Chi nhánh
The bank’s main branch is located downtown.
Teller (/ˈtel.ɚ/): Nhân viên giao dịch ngân hàng
The teller assisted with the cash deposit.
Savings (/ˈseɪ.vɪŋz/): Tiền tiết kiệm
She keeps her savings in a high-interest account.
Fee (/fiː/): Phí
The bank charges a fee for international transfers.
Currency (/ˈkɝː.ən.si/): Tiền tệ
The bank exchanges foreign currencies at competitive rates.
Exchange Rate (/ɪksˈtʃeɪndʒ reɪt/): Tỷ giá hối đoái
The exchange rate for euros has increased this week.
2. Corporate Finance
Budget (/ˈbʌdʒ.ɪt/): Ngân sách
The company allocated a budget for marketing campaigns.
Revenue (/ˈrev.ə.njuː/): Doanh thu
The company’s revenue increased by 10% this quarter.
Profit (/ˈprɑː.fɪt/): Lợi nhuận
The business reported a significant profit last year.
Loss (/lɔːs/): Lỗ
The company suffered a loss due to market fluctuations.
Asset (/ˈæs.et/): Tài sản
The company’s assets include real estate and equipment.
Liability (/ˌlaɪ.əˈbɪl.ə.t̬i/): Nợ phải trả
The firm’s liabilities exceed its assets this year.
Equity (/ˈek.wə.t̬i/): Vốn chủ sở hữu
The company raised funds by issuing new equity shares.
Cash Flow (/ˈkæʃ floʊ/): Dòng tiền
Positive cash flow is essential for business operations.
Investment (/ɪnˈvest.mənt/): Đầu tư
The firm made a strategic investment in technology.
Dividend (/ˈdɪv.ɪ.dend/): Cổ tức
Shareholders received a dividend payment this quarter.
Capital (/ˈkæp.ɪ.t̬əl/): Vốn
The company raised capital through a public offering.
Expense (/ɪkˈspens/): Chi phí
Travel expenses must be approved by the manager.
Audit (/ˈɔː.dɪt/): Kiểm toán
The annual audit revealed discrepancies in the accounts.
Forecast (/ˈfɔːr.kæst/): Dự báo
The financial forecast predicts growth next year.
Bankruptcy (/ˈbæŋk.rʌpt.si/): Phá sản
The company filed for bankruptcy after heavy losses.
Merger (/ˈmɝː.dʒɚ/): Sáp nhập
The merger between the two banks was finalized last month.
Acquisition (/ˌæk.wɪˈzɪʃ.ən/): Thâu tóm
The acquisition of the startup boosted the company’s portfolio.
Portfolio (/pɔːrtˈfoʊ.li.oʊ/): Danh mục đầu tư
Her investment portfolio includes stocks and bonds.
Return on Investment (ROI) (/rɪˈtɝːn ɑːn ɪnˈvest.mənt/): Lợi tức đầu tư
The project delivered a high return on investment.
Liquidity (/lɪˈkwɪd.ə.t̬i/): Tính thanh khoản
The company maintains high liquidity to cover expenses.
3. Investments and Financial Markets
Stock (/stɑːk/): Cổ phiếu
She invested in stocks to diversify her portfolio.
Bond (/bɑːnd/): Trái phiếu
Government bonds are considered a safe investment.
Share (/ʃer/): Cổ phần
He owns 100 shares in the tech company.
Market (/ˈmɑːr.kɪt/): Thị trường
The stock market experienced volatility this week.
Broker (/ˈbroʊ.kɚ/): Nhà môi giới
The broker recommended investing in blue-chip stocks.
Dividend Yield (/ˈdɪv.ɪ.dend jiːld/): Tỷ suất cổ tức
The stock offers a high dividend yield of 4%.
Index (/ˈɪn.deks/): Chỉ số
The S&P 500 index tracks the performance of top companies.
Bull Market (/bʊl ˈmɑːr.kɪt/): Thị trường giá lên
Investors are optimistic during a bull market.
Bear Market (/ber ˈmɑːr.kɪt/): Thị trường giá xuống
c- A bear market can lead to significant losses for investors.
Hedge Fund (/ˈhedʒ fʌnd/): Quỹ đầu cơ
The hedge fund focuses on high-risk, high-return investments.
Mutual Fund (/ˈmjuː.tʃu.əl fʌnd/): Quỹ tương hỗ
Mutual funds pool money from multiple investors to diversify risk.
Volatility (/ˌvɑː.ləˈtɪl.ə.t̬i/): Biến động
Market volatility can affect investment returns.
Trader (/ˈtreɪ.dɚ/): Nhà giao dịch
The trader monitors stock prices throughout the day.
Securities (/sɪˈkjʊr.ə.t̬iz/): Chứng khoán
The company issued securities to raise capital.
Commodity (/kəˈmɑː.də.t̬i/): Hàng hóa
Oil and gold are popular commodities in financial markets.
Derivatives (/dɪˈrɪv.ə.t̬ɪvz/): Công cụ phái sinh
Derivatives are used to hedge against price fluctuations.
IPO (Initial Public Offering) (/ˌaɪ.piːˈoʊ/): Phát hành cổ phiếu lần đầu
The company plans an IPO to raise funds.
Margin (/ˈmɑːr.dʒɪn/): Ký quỹ
Trading on margin involves borrowing funds to invest.
Short Selling (/ʃɔːrt ˈsel.ɪŋ/): Bán khống
Short selling involves betting on a stock’s price decline.
Risk Management (/rɪsk ˈmæn.ɪdʒ.mənt/): Quản lý rủi ro
Effective risk management minimizes financial losses.
4. Collocations
Financial Statement (/faɪˈnæn.ʃəl ˈsteɪt.mənt/): Báo cáo tài chính
The financial statement shows the company’s profits and losses.
Credit Score (/ˈkred.ɪt skɔːr/): Điểm tín dụng
A high credit score improves your chances of loan approval.
Interest Rate (/ˈɪn.trəst reɪt/): Lãi suất
The central bank lowered interest rates to stimulate the economy.
Fixed Income (/fɪkst ˈɪn.kʌm/): Thu nhập cố định
Bonds are a common fixed-income investment.
Compound Interest (/ˈkɑːm.paʊnd ˈɪn.trəst/): Lãi kép
Compound interest helps savings grow over time.
Financial Advisor (/faɪˈnæn.ʃəl ədˈvaɪ.zɚ/): Cố vấn tài chính
The financial advisor recommended diversifying investments.
Market Trend (/ˈmɑːr.kɪt trend/): Xu hướng thị trường
Analysts predict market trends for the upcoming quarter.
Debt Consolidation (/det ˌkɑːn.sə.lɪˈdeɪ.ʃən/): Hợp nhất nợ
Debt consolidation simplifies multiple loan payments.
Tax Deduction (/tæks dɪˈdʌk.ʃən/): Khoản khấu trừ thuế
Charitable donations may qualify as a tax deduction.
Net Worth (/net wɝːθ/): Giá trị tài sản ròng
Her net worth increased after selling her business.
5. Financial Insurance
Insurance (/ɪnˈʃʊr.əns/): Bảo hiểm
The company offers health and life insurance to employees.
Premium (/ˈpriː.mi.əm/): Phí bảo hiểm
She pays a monthly premium for her car insurance.
Claim (/kleɪm/): Yêu cầu bồi thường
He filed a claim with the insurance company after the accident.
Policy (/ˈpɑː.lə.si/): Hợp đồng bảo hiểm
The insurance policy covers damage from natural disasters.
Coverage (/ˈkʌv.ɚ.ɪdʒ/): Phạm vi bảo hiểm
The policy provides comprehensive coverage for medical expenses.
Deductible (/dɪˈdʌk.tə.bəl/): Khoản khấu trừ
The insurance plan has a $500 deductible for repairs.
Underwriter (/ˈʌn.dɚˌraɪ.t̬ɚ/): Người thẩm định bảo hiểm
The underwriter assessed the risk before approving the policy.
Beneficiary (/ˌben.əˈfɪʃ.i.er.i/): Người thụ hưởng
She named her spouse as the beneficiary of her life insurance.
Liability Insurance (/ˌlaɪ.əˈbɪl.ə.t̬i ɪnˈʃʊr.əns/): Bảo hiểm trách nhiệm
Liability insurance protects businesses from legal claims.
Reinsurance (/ˌriː.ɪnˈʃʊr.əns/): Tái bảo hiểm
The company purchased reinsurance to manage large risks.
Actuary (/ˈæk.tʃu.er.i/): Chuyên viên tính toán bảo hiểm
The actuary calculated the risk of insuring the new project.
Payout (/ˈpeɪ.aʊt/): Khoản chi trả
The insurance payout covered the cost of the damaged property.
Risk Assessment (/rɪsk əˈses.mənt/): Đánh giá rủi ro
A risk assessment is required before issuing an insurance policy.
Premium Rate (/ˈpriː.mi.əm reɪt/): Tỷ lệ phí bảo hiểm
The premium rate increased due to higher claim rates.
Term Insurance (/tɝːm ɪnˈʃʊr.əns/): Bảo hiểm có kỳ hạn
Term insurance is more affordable than whole life insurance.
Whole Life Insurance (/hoʊl laɪf ɪnˈʃʊr.əns/): Bảo hiểm trọn đời
Whole life insurance provides coverage for the insured’s entire life.
Endowment Policy (/ɪnˈdaʊ.mənt ˈpɑː.lə.si/): Bảo hiểm tích lũy
The endowment policy combines insurance with savings.
Excess (/ˈek.ses/): Phần vượt mức
The policyholder is responsible for the excess in case of a claim.
Insolvency (/ɪnˈsɑːl.vən.si/): Tình trạng mất khả năng thanh toán
Insolvency of the insurer could delay claim payments.
Loss Adjuster (/lɔːs əˈdʒʌs.tɚ/): Nhân viên điều chỉnh tổn thất
The loss adjuster evaluated the damage before approving the claim.
6. Taxation
Tax (/tæks/): Thuế
The government increased the income tax rate this year.
Income Tax (/ˈɪn.kʌm tæks/): Thuế thu nhập
Employees must file their income tax returns by April.
Corporate Tax (/ˈkɔːr.pɚ.ət tæks/): Thuế doanh nghiệp
The corporate tax rate was reduced to encourage investment.
Value-Added Tax (VAT) (/ˌvæl.juː ˈæd.ɪd tæks/): Thuế giá trị gia tăng
VAT is included in the price of most goods and services.
Tax Return (/tæks rɪˈtɝːn/): Tờ khai thuế
She hired an accountant to prepare her tax return.
Deduction (/dɪˈdʌk.ʃən/): Khoản khấu trừ thuế
Charitable donations are eligible for a tax deduction.
Exemption (/ɪɡˈzemp.ʃən/): Miễn thuế
The new policy offers tax exemptions for small businesses.
Taxable Income (/ˈtæk.sə.bəl ˈɪn.kʌm/): Thu nhập chịu thuế
Taxable income includes wages, bonuses, and investment gains.
Tax Bracket (/tæks ˈbræk.ɪt/): Bậc thuế
Her promotion moved her into a higher tax bracket.
Withholding Tax (/wɪðˈhoʊld.ɪŋ tæks/): Thuế khấu trừ tại nguồn
Withholding tax is deducted from employees’ salaries.
Tax Incentive (/tæks ɪnˈsen.t̬ɪv/): Ưu đãi thuế
The government offers tax incentives for renewable energy projects.
Tax Evasion (/tæks ɪˈveɪ.ʒən/): Trốn thuế
Tax evasion is a serious offense that can lead to penalties.
Tax Audit (/tæks ˈɔː.dɪt/): Kiểm tra thuế
The company underwent a tax audit to verify its records.
Capital Gains Tax (/ˈkæp.ɪ.t̬əl ɡeɪnz tæks/): Thuế lợi tức vốn
Capital gains tax applies to profits from selling investments.
Tax Liability (/tæks ˌlaɪ.əˈbɪl.ə.t̬i/): Nghĩa vụ thuế
The accountant calculated the company’s tax liability.
Tax Refund (/tæks ˈriː.fʌnd/): Hoàn thuế
She received a tax refund after overpaying last year.
Progressive Tax (/prəˈɡres.ɪv tæks/): Thuế lũy tiến
A progressive tax system imposes higher rates on higher incomes.
Flat Tax (/flæt tæks/): Thuế cố định
Some countries use a flat tax rate for all income levels.
Tax Haven (/tæks ˈheɪ.vən/): Thiên đường thuế
Offshore accounts in tax havens attract wealthy investors.
Fiscal Year (/ˈfɪs.kəl jɪr/): Năm tài chính
The company’s fiscal year ends in December.
7. Personal Finance
Savings Account (/ˈseɪ.vɪŋz əˈkaʊnt/): Tài khoản tiết kiệm
She deposits a portion of her salary into a savings account.
Budgeting (/ˈbʌdʒ.ɪ.t̬ɪŋ/): Lập ngân sách
Budgeting helps individuals manage their expenses effectively.
Debt (/det/): Nợ
He is working to pay off his credit card debt.
Credit Score (/ˈkred.ɪt skɔːr/): Điểm tín dụng
A good credit score is essential for securing a loan.
Retirement Plan (/rɪˈtaɪr.mənt plæn/): Kế hoạch hưu trí
The company offers a retirement plan with matching contributions.
Emergency Fund (/ɪˈmɝː.dʒən.si fʌnd/): Quỹ khẩn cấp
An emergency fund covers unexpected expenses like medical bills.
Net Worth (/net wɝːθ/): Giá trị tài sản ròng
Her net worth grew after investing in real estate.
Financial Goal (/faɪˈnæn.ʃəl ɡoʊl/): Mục tiêu tài chính
Saving for a house is one of her financial goals.
Passive Income (/ˈpæs.ɪv ˈɪn.kʌm/): Thu nhập thụ động
Rental properties provide a source of passive income.
Compound Interest (/ˈkɑːm.paʊnd ˈɪn.trəst/): Lãi kép
Compound interest significantly boosts long-term savings.
Financial Literacy (/faɪˈnæn.ʃəl ˈlɪt̬.ɚ.ə.si/): Kiến thức tài chính
Financial literacy workshops teach budgeting and investing skills.
Credit Limit (/ˈkred.ɪt ˈlɪm.ɪt/): Hạn mức tín dụng
Her credit card has a $5,000 credit limit.
Debt Consolidation (/det ˌkɑːn.sə.lɪˈdeɪ.ʃən/): Hợp nhất nợ
Debt consolidation reduced her monthly loan payments.
Investment Portfolio (/ɪnˈvest.mənt pɔːrtˈfoʊ.li.oʊ/): Danh mục đầu tư
His investment portfolio includes stocks and mutual funds.
Expense Tracking (/ɪkˈspens ˈtræk.ɪŋ/): Theo dõi chi tiêu
Expense tracking apps help manage personal finances.
Frugality (/fruːˈɡæl.ə.t̬i/): Sự tiết kiệm
Frugality allowed her to save for a vacation.
Annuity (/əˈnuː.ə.t̬i/): Niên kim
She purchased an annuity to ensure income during retirement.
Estate Planning (/ɪˈsteɪt ˈplæn.ɪŋ/): Lập kế hoạch tài sản
Estate planning ensures her assets are distributed as desired.
Disposable Income (/dɪˈspoʊ.zə.bəl ˈɪn.kʌm/): Thu nhập khả dụng
Disposable income is used for non-essential purchases.
Financial Planner (/faɪˈnæn.ʃəl ˈplæn.ɚ/): Chuyên viên lập kế hoạch tài chính
The financial planner helped her set long-term goals.
8. Collocations
Insurance Policy (/ɪnˈʃʊr.əns ˈpɑː.lə.si/): Hợp đồng bảo hiểm
The insurance policy covers both home and auto damage.
Tax Deduction (/tæks dɪˈdʌk.ʃən/): Khoản khấu trừ thuế
Mortgage interest is a common tax deduction.
Personal Budget (/ˈpɝː.sən.əl ˈbʌdʒ.ɪt/): Ngân sách cá nhân
A personal budget helps control spending habits.
Risk Coverage (/rɪsk ˈkʌv.ɚ.ɪdʒ/): Bảo vệ rủi ro
The policy offers risk coverage for unexpected events.
Tax Filing (/tæks ˈfaɪ.lɪŋ/): Nộp tờ khai thuế
Tax filing deadlines are strictly enforced.
Retirement Savings (/rɪˈtaɪr.mənt ˈseɪ.vɪŋz/): Tiết kiệm hưu trí
She contributes regularly to her retirement savings.
Financial Independence (/faɪˈnæn.ʃəl ˌɪn.dɪˈpen.dəns/): Độc lập tài chính
Financial independence allows her to pursue her passions.
Credit Card Debt (/ˈkred.ɪt kɑːrd det/): Nợ thẻ tín dụng
High interest rates make credit card debt difficult to pay off.
9. International Finance
Foreign Exchange (/ˈfɔːr.ən ɪksˈtʃeɪndʒ/): Ngoại hối
The bank specializes in foreign exchange services for businesses.
Exchange Rate (/ɪksˈtʃeɪndʒ reɪt/): Tỷ giá hối đoái
Fluctuations in the exchange rate affect international trade.
Currency Pair (/ˈkɝː.ən.si per/): Cặp tiền tệ
The USD/EUR currency pair is widely traded in forex markets.
Hedging (/ˈhedʒ.ɪŋ/): Phòng ngừa rủi ro
The company uses hedging to protect against currency fluctuations.
Balance of Payments (/ˈbæl.əns əv ˈpeɪ.mənts/): Cán cân thanh toán
The country’s balance of payments showed a trade surplus.
Trade Deficit (/treɪd ˈdef.ɪ.sɪt/): Thâm hụt thương mại
The trade deficit widened due to increased imports.
Capital Flow (/ˈkæp.ɪ.t̬əl floʊ/): Dòng vốn
Capital flows into emerging markets have increased this year.
Offshore Account (/ˌɔːfˈʃɔːr əˈkaʊnt/): Tài khoản nước ngoài
He opened an offshore account to diversify his investments.
Remittance (/rɪˈmɪt̬.əns/): Kiều hối
Remittances from overseas workers boost the local economy.
International Monetary Fund (IMF) (/ˌɪn.t̬ɚˈnæʃ.ən.əl ˈmɑː.nəˌter.i fʌnd/): Quỹ Tiền tệ Quốc tế
The IMF provides loans to countries facing financial crises.
World Bank (/wɝːld bæŋk/): Ngân hàng Thế giới
The World Bank funds infrastructure projects in developing nations.
Sovereign Debt (/ˈsɑːv.rən det/): Nợ công
High sovereign debt levels can destabilize the economy.
Globalization (/ˌɡloʊ.bəl.əˈzeɪ.ʃən/): Toàn cầu hóa
Globalization has increased the flow of international capital.
Tariff (/ˈtær.ɪf/): Thuế quan
The government imposed tariffs on imported goods.
Free Trade Agreement (/friː treɪd əˈɡriː.mənt/): Hiệp định thương mại tự do
The free trade agreement reduced tariffs between the two countries.
Devaluation (/ˌdiː.væl.juˈeɪ.ʃən/): Phá giá tiền tệ
The devaluation of the currency boosted export competitiveness.
Foreign Direct Investment (FDI) (/ˈfɔːr.ən dəˈrekt ɪnˈvest.mənt/): Đầu tư trực tiếp nước ngoài
FDI in the tech sector has driven economic growth.
Arbitrage (/ˈɑːr.bɪ.trɑːʒ/): Kinh doanh chênh lệch giá
Traders use arbitrage to profit from price differences in markets.
Sanction (/ˈsæŋk.ʃən/): Lệnh trừng phạt
Economic sanctions restricted the country’s access to global markets.
Export Credit (/ˈek.spɔːrt ˈkred.ɪt/): Tín dụng xuất khẩu
Export credit supports companies selling goods overseas.
10. Fund Management
Fund (/fʌnd/): Quỹ đầu tư
The pension fund invests in a mix of stocks and bonds.
Fund Manager (/fʌnd ˈmæn.ɪ.dʒɚ/): Quản lý quỹ
The fund manager outperformed the market last quarter.
Asset Allocation (/ˈæs.et ˌæl.əˈkeɪ.ʃən/): Phân bổ tài sản
Asset allocation is critical for balancing risk and return.
Diversification (/daɪˌvɝː.sɪ.fɪˈkeɪ.ʃən/): Đa dạng hóa
Diversification reduces the risk of investment losses.
Portfolio Management (/pɔːrtˈfoʊ.li.oʊ ˈmæn.ɪ.dʒ.mənt/): Quản lý danh mục đầu tư
Portfolio management involves selecting the right mix of assets.
Mutual Fund (/ˈmjuː.tʃu.əl fʌnd/): Quỹ tương hỗ
Mutual funds are popular among retail investors.
Hedge Fund (/ˈhedʒ fʌnd/): Quỹ đầu cơ
Hedge funds often pursue high-risk, high-reward strategies.
Private Equity (/ˈpraɪ.vət ˈek.wə.t̬i/): Vốn cổ phần tư nhân
Private equity firms invest in promising startups.
Venture Capital (/ˈven.tʃɚ ˈkæp.ɪ.t̬əl/): Vốn mạo hiểm
Venture capital funded the tech company’s expansion.
Index Fund (/ˈɪn.deks fʌnd/): Quỹ chỉ số
The index fund tracks the performance of the S&P 500.
Exchange-Traded Fund (ETF) (/ɪksˈtʃeɪndʒ ˈtreɪ.dɪd fʌnd/): Quỹ giao dịch trên sàn
ETFs offer low-cost exposure to diverse markets.
Risk-Adjusted Return (/rɪsk əˈdʒʌs.tɪd rɪˈtɝːn/): Lợi nhuận điều chỉnh theo rủi ro
The fund’s risk-adjusted return was higher than its peers.
Benchmark (/ˈbentʃ.mɑːrk/): Chuẩn mực
The fund’s performance is compared to a market benchmark.
Active Management (/ˈæk.tɪv ˈmæn.ɪ.dʒ.mənt/): Quản lý chủ động
Active management aims to outperform the market.
Passive Management (/ˈpæs.ɪv ˈmæn.ɪ.dʒ.mənt/): Quản lý thụ động
Passive management tracks an index with minimal intervention.
Performance Fee (/pɚˈfɔːr.məns fiː/): Phí dựa trên hiệu suất
The fund charges a performance fee for above-average returns.
Fund of Funds (/fʌnd əv fʌndz/): Quỹ của các quỹ
A fund of funds invests in multiple hedge funds.
Liquidity Risk (/lɪˈkwɪd.ə.t̬i rɪsk/): Rủi ro thanh khoản
Liquidity risk can affect the fund’s ability to sell assets.
Capital Appreciation (/ˈkæp.ɪ.t̬əl əˌpriː.ʃiˈeɪ.ʃən/): Tăng giá vốn
The fund focuses on capital appreciation through growth stocks.
Rebalancing (/ˌriːˈbæl.əns.ɪŋ/): Tái cân bằng danh mục
Rebalancing ensures the portfolio aligns with investment goals.
11. FinTech
FinTech (/ˈfɪn.tek/): Công nghệ tài chính
FinTech startups are transforming the banking industry.
Blockchain (/ˈblɑːk.tʃeɪn/): Chuỗi khối
Blockchain ensures secure and transparent financial transactions.
Cryptocurrency (/ˌkrɪp.toʊˈkɝː.ən.si/): Tiền mã hóa
Bitcoin is the most well-known cryptocurrency.
Digital Wallet (/ˈdɪdʒ.ɪ.t̬əl ˈwɑː.lɪt/): Ví điện tử
She uses a digital wallet for online purchases.
Mobile Banking (/ˈmoʊ.bəl ˈbæŋk.ɪŋ/): Ngân hàng di động
Mobile banking allows users to check balances on their phones.
Peer-to-Peer Lending (P2P) (/ˌpɪr.təˈpɪr ˈlend.ɪŋ/): Cho vay ngang hàng
P2P lending platforms connect borrowers with individual lenders.
Robo-Advisor (/ˈroʊ.boʊ ədˈvaɪ.zɚ/): Cố vấn tài chính tự động
Robo-advisors offer low-cost investment management.
Payment Gateway (/ˈpeɪ.mənt ˈɡeɪt.weɪ/): Cổng thanh toán
The payment gateway processes credit card transactions online.
Smart Contract (/smɑːrt ˈkɑːn.trækt/): Hợp đồng thông minh
Smart contracts automate transactions on the blockchain.
Open Banking (/ˈoʊ.pən ˈbæŋk.ɪŋ/): Ngân hàng mở
Open banking allows third-party apps to access bank data securely.
Digital Currency (/ˈdɪdʒ.ɪ.t̬əl ˈkɝː.ən.si/): Tiền kỹ thuật số
Central banks are exploring digital currencies for faster transactions.
Biometric Authentication (/ˌbaɪ.oʊˈmet.rɪk ɔːˌθen.t̬ɪˈkeɪ.ʃən/): Xác thực sinh trắc học
Biometric authentication enhances security in mobile banking apps.
Crowdfunding (/ˈkraʊdˌfʌn.dɪŋ/): Huy động vốn cộng đồng
The startup raised funds through a crowdfunding campaign.
InsurTech (/ɪnˈʃʊr.tek/): Công nghệ bảo hiểm
InsurTech companies streamline the claims process with AI.
Algorithmic Trading (/ˌæl.ɡəˈrɪð.mɪk ˈtreɪ.dɪŋ/): Giao dịch thuật toán
Algorithmic trading uses software to execute trades at high speeds.
Neobank (/ˈniː.oʊˌbæŋk/): Ngân hàng số
Neobanks offer banking services entirely online.
Tokenization (/ˌtoʊ.kən.əˈzeɪ.ʃən/): Mã hóa tài sản
Tokenization allows real estate to be traded on blockchain platforms.
RegTech (/ˈreɡ.tek/): Công nghệ quản lý quy định
RegTech solutions help banks comply with financial regulations.
Financial Inclusion (/faɪˈnæn.ʃəl ɪnˈkluː.ʒən/): Hòa nhập tài chính
FinTech promotes financial inclusion by serving underbanked communities.
Micropayment (/ˈmaɪ.kroʊˌpeɪ.mənt/): Thanh toán nhỏ
Micropayments are common in digital content platforms.
12. Collocations
Foreign Exchange Market (/ˈfɔːr.ən ɪksˈtʃeɪndʒ ˈmɑːr.kɪt/): Thị trường ngoại hối
The foreign exchange market operates 24 hours a day.
Portfolio Diversification (/pɔːrtˈfoʊ.li.oʊ daɪˌvɝː.sɪ.fɪˈkeɪ.ʃən/): Đa dạng hóa danh mục đầu tư
Portfolio diversification minimizes investment risks.
Digital Payment (/ˈdɪdʒ.ɪ.t̬əl ˈpeɪ.mənt/): Thanh toán kỹ thuật số
Digital payments are replacing cash in many countries.
Cross-Border Transaction (/ˌkrɑːsˈbɔːr.dɚ trænˈzæk.ʃən/): Giao dịch xuyên biên giới
Cross-border transactions require currency conversion.
Fund Performance (/fʌnd pɚˈfɔːr.məns/): Hiệu suất quỹ
The fund’s performance exceeded expectations this year.
Blockchain Technology (/ˈblɑːk.tʃeɪn tekˈnɑː.lə.dʒi/): Công nghệ chuỗi khối
Blockchain technology enhances the security of financial systems.
Mobile Payment (/ˈmoʊ.bəl ˈpeɪ.mənt/): Thanh toán di động
Mobile payment apps are convenient for everyday purchases.
Regulatory Compliance (/ˌreɡ.jə.ləˈtɔːr.i kəmˈplaɪ.əns/): Tuân thủ quy định
FinTech companies prioritize regulatory compliance to avoid penalties.
Trên đây là từ vựng tiếng anh chủ đề Tài chính Ngân hàng mà mình tổng hợp được, hi vọng sẽ giúp mọi người học tốt tiếng anh hơn và có thể giúp ích nếu đang ôn thi TOEIC nha.
Hẹn các bạn nhỏ chăm học ở bài viết sau nhé!
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