概要：5.plastic note 塑料钞票6.plastic card （塑料）信用卡，也叫credit cardwww.laixuea.comII、ThreeEssentialFunctionsOfMoneyWe look at the functions of money. Firstly it's a medium of exchange, so it's some commodity which facilitates the exchange of goods and services.首先货币是一种交换媒介，是帮助其他货物与服务进行交换的手段。It is also a unit of account, which means that we use money to reckon prices and reckon values for comparisons between goods and services or over time.其次它是一种计算单位，就是说我们用钱来测量货
金融英语辅导,标签：英语学习,英语教程,英语教学,http://www.laixuea.com5.plastic note 塑料钞票
6.plastic card （塑料）信用卡，也叫credit card
www.laixuea.com
II、ThreeEssentialFunctionsOfMoney
We look at the functions of money. Firstly it's a medium of exchange, so it's some commodity which facilitates the exchange of goods and services.
首先货币是一种交换媒介，是帮助其他货物与服务进行交换的手段。
It is also a unit of account, which means that we use money to reckon prices and reckon values for comparisons between goods and services or over time.
其次它是一种计算单位，就是说我们用钱来测量货物、服务或时间之间的价格和价值的比较。
And thirdly, money is a store of value. It is an asset. It's something that we can use to store value away to be retrieved at a later point in time. So we can not consume today, we can hold money instead - and transfer that consumption power to some point in the future.
第三它是价值存储手段，是一种资产。我们可以用它把价值储存起来，在以后的某个时刻再取回。这样我们不必现在就把它用掉，而是可以存着钱，把这种消费能力转移到将来的某个时刻。
In the earliest days, for example in ancient Babylon, measures of wheat were the money commodity. People would exchange other goods and services firstly by exchanging quantities of wheat. And eventually it was worked out by the Babylonian priests that they could hold the wheat in a central store and then simply keep records of who owned the wheat. And rather than physically moving the wheat around, eventually we had a primitive system - quite advanced by the terms of the day - of record keeping. We had ledgers.
古时候，比如在古巴比伦，小麦被当作实物货币使用。人们在交换其它货物和服务之前先要交换一定数量的小麦。后来巴比伦的祭司们发现，他们可以把小麦保存在一个中心仓库中，然后只需要记录下谁拥有这些小麦就可以了。这样就用不着把小麦搬来搬去了，于是我们就有了在当时条件下很先进的原始簿记制度，也就是分户账。
Notes：
1.Medium of exchange 交换媒介
2.Unit of account 计算单位
3.Store of value 价值储存手段
4 money commodity 商品货币，实物货币
5 primitive system of record keeping 原始簿记制度
6 ledger 分户账 转
www.laixuea.com
III.Forms Of Money
三、货币形式
Fiat money has not only no particular value in use, it doesn't even really have a value in exchange except that which is decreed that it would have.
名义货币不仅仅没有什么特别的价值，而且在商品的交换中它本身根本没有价值。它拥有的只是法律所赋予它的价值。
So fiat money is money which is intrinsically worthless. And its value exists by virtue of the fact that it is generally acceptable. And fiat money, needless to say, is one of the most mysterious inventions of the human mind, and no economist has managed to explain exactly why it is that people will generally accept something as valuable when it clearly has no value other than that which it is decreed to have.
因此，名义货币从它的本质来说实际上一钱不值。它的价值只在于它能够获得普遍的接受。毫无疑问，名义货币是人类最神奇的发明之一。任何经济学家都还无法确切解释，为什么人们能够把一种除了法定的价值外显然没有任何价值的东西作为宝贵的东西来普遍接受。