銀行業(yè)術(shù)語(yǔ)-英文

1、27 / 20Bank statement銀行對(duì)賬單Current deposit 活期存款Telegraphic transfer 電匯Discount Rate 貼現(xiàn)率Open-End Fund開(kāi)放式基金中國(guó)招商銀行Chi na Mercha nts Bank信用卡 Credit Card浮動(dòng)匯率 Float ing Rate利率 Interest Rate貨幣政策 Mon etary Policy現(xiàn)代管理學(xué)之父：彼得德魯克菲利普斯曲線表示：失業(yè)率和通貨膨脹之間的關(guān)系CIF的風(fēng)險(xiǎn)轉(zhuǎn)移點(diǎn)：貨過(guò)船舷雙因素理論的創(chuàng)始人：赫茨伯格提高存款準(zhǔn)備金率將：提高貼現(xiàn)率將：貨幣供給量減少，利率提高赫茲伯格的

2、保健因素（判斷對(duì)錯(cuò)）面對(duì)金融危機(jī)，我國(guó)采取的措施以及銀行業(yè)采取的措施？第一部分 中國(guó)的銀行業(yè)bus in ess商號(hào)，企業(yè)，公司sav ings儲(chǔ)蓄mon etary policy貨幣政策repository 倉(cāng)庫(kù)liquid fun ds流動(dòng)資金cha nnel弓入注入impulse 推動(dòng)力，刺激macroec ono mic man ageme nt宏觀經(jīng)濟(jì)管理in response to 隨specialized bank 專(zhuān)業(yè)銀行Decision on Finan cial Reform關(guān)于金融改革的決定comprehe nsive package of measures一攬子綜合措施

3、in flati onary pressure通貨膨脹壓力sig ns of overheati ng市場(chǎng)過(guò)熱現(xiàn)象structural measure結(jié)構(gòu)上的措施excha nge rate 匯率curre nt accou nt con vertibility經(jīng)常項(xiàng)目可自由兌換性in ter-ba nk money market銀行間貨幣市場(chǎng)segregati on 拆分policy ba nk政策性銀行inf rastructural project基礎(chǔ)設(shè)施項(xiàng)目joi nt-equity合資soft landing軟著陸retail price in dex subdue 征服 susta

4、 in able rate n egative impact零售物價(jià)指數(shù)可持續(xù)增長(zhǎng)的比率消極影響capital inflow 資本流入官方外匯儲(chǔ)備official foreig n excha nge reserveresilie nee反彈aggregate financing融資總量full-fledged 成熟的Law of the Peoples Bank of Cha中華人民共和國(guó)中國(guó)人民銀行法b5E2RGbCAPissue curre ncy發(fā)行貨幣circulati on 流通fiscal age nt 財(cái)政代理fiscal deficit 財(cái)政赤字sou nd finan ci

5、al order良好的金融秩序overhaul 大修，取代，裁撤in direct policy in strume nt間接政策手段credit ceili ng貸款額度reserve ratio準(zhǔn)備金率fixed assets 固定資產(chǎn)commercial bank商業(yè)銀行World Trade Orga ni zati on世界貿(mào)易組織profit-driven entities盈利實(shí)體in ter natio nally compatible與國(guó)際接軌的appropriate disclosure sta ndards適當(dāng)?shù)呐稑?biāo)準(zhǔn)listi ng股票上市，股票掛牌in termedi

6、ary services中間業(yè)務(wù)in ter nati onal settleme nt國(guó)際結(jié)算cost structure 成本結(jié)構(gòu)regulatory sta ndards調(diào)節(jié)標(biāo)準(zhǔn)，調(diào)節(jié)規(guī)范econo mic tra nsiti on經(jīng)濟(jì)轉(zhuǎn)型magn itude 規(guī)模risk man ageme nt風(fēng)險(xiǎn)管理prude ntial man ageme nt審慎管理risk mon itor ing and warning system風(fēng)險(xiǎn)監(jiān)控和警戒系統(tǒng)proceeds 收益capital adequacy ratio資本充足率loan approval貸款核準(zhǔn)loan release 貸款

7、發(fā)放in solve nt 無(wú)償付能力，破產(chǎn)liquidati on procedures清算程序fit-an d-proper test稱(chēng)職測(cè)試asset man ageme nt compa ny資產(chǎn)管理公司non-perform ing loa ns不良貸款resource allocati on資源配置en forceability of bank claims銀行債權(quán)的追討own ership structure所有制結(jié)構(gòu)corporate gover nance法人治理incen tive structure激勵(lì)機(jī)制market tran sacti ons公開(kāi)市場(chǎng)業(yè)務(wù)fin e-

8、tu ning 微調(diào)modes of tran sacti on交易方式settleme nt and cleari ng system清算系統(tǒng)rediscou nt bus in ess（票據(jù)的）再貼現(xiàn)業(yè)務(wù)required reserve system法定準(zhǔn)備金制度accou nti ng period會(huì)計(jì)年度in termediate rate中間利率in terest rate liberalizati on禾U率自由化bank lending rates銀行貸款利率deposit rates 存款利率retail deposit in terest rate小額存款利率share-ho

9、ldi ng banks股份制銀行con trolli ng share 控股股份capital reple ni shme nt system資本金補(bǔ)充制度in formatio n disclosure信息披露credit cooperatives信用合作社n ati onal treatme nt國(guó)民待遇accou nting system會(huì)計(jì)制度rati ng age ncy信用評(píng)級(jí)機(jī)構(gòu)第二部分銀行監(jiān)管misappropriati on 盜用operat ing procedures操作程序discreti on判斷力accou nti ng entry會(huì)計(jì)分錄creditor債權(quán)人m

10、obilize動(dòng)員distribute 分發(fā)，分配public good公共利益accord 協(xié)議liquidity drain 流動(dòng)性喪失in a safe and sou nd manner安然無(wú)恙的bank runs銀行運(yùn)行the fund' s loss基金損失prompt in terve nti on迅速干涉remedial measure補(bǔ)救措施resp on sive to對(duì)敏感thrust推力mono poly壟斷an ti-competitive practices反對(duì)競(jìng)爭(zhēng)的行為bank capital requireme nts銀行資本金要求divide nd l

11、imitati ons股息限制impair削弱regulatory authorities監(jiān)管當(dāng)局accounting principle會(huì)計(jì)準(zhǔn)則in depe ndent audit獨(dú)立審計(jì)finan cial positi on財(cái)務(wù)狀況coun ter-party risk交易對(duì)手風(fēng)險(xiǎn)orderly exit有序退岀problem bank問(wèn)題銀行systemic protecti on系統(tǒng)保護(hù)operati onal in depe ndence獨(dú)立運(yùn)行solve nt in stituti on有償付能力的機(jī)構(gòu)cogn ati on同族distorti on變形,曲解，失真market

12、 sig nal市場(chǎng)信號(hào)charter ing banks特許銀行pre-fili ng stage提出申請(qǐng)階段applicati on stage申請(qǐng)階段organizing stage組織階段deposit in sura nee fund存款保險(xiǎn)基金premise（企業(yè)、機(jī)構(gòu)等使用的）房屋；院內(nèi)的土地；房產(chǎn)pro forma finan cial stateme nt預(yù)測(cè)財(cái)務(wù)報(bào)表projecti on 預(yù)測(cè)market-e ntry ticket進(jìn)入市場(chǎng)的憑證statute 法令，條例in complia nee with遵守expertise專(zhuān)家的意見(jiàn)，專(zhuān)門(mén)的技術(shù)the Basle C

13、ommittee巴塞爾委員會(huì)en dorseme nt背書(shū)，簽注，認(rèn)可ven ture冒險(xiǎn)，投機(jī)，風(fēng)險(xiǎn)in tegrity誠(chéng)信standing信譽(yù)名望be con siste nt with與一致deploy 展開(kāi)cross-checki ng相互校驗(yàn)，反復(fù)核對(duì)dual co ntrol of assets資產(chǎn)的雙重控制double sig natures雙重簽名track record 記錄deemed to be detrimental to被認(rèn)為對(duì) 有害finan cial projecti on財(cái)務(wù)預(yù)測(cè)start-up costs 啟動(dòng)成本in itial capital amou n

14、t啟動(dòng)資本數(shù)量corporate pare nt母公司the Basle Mi ni mum Sta ndards巴塞爾最低標(biāo)準(zhǔn)a con solidated basis統(tǒng)一（合并）的基礎(chǔ)be notified of 通報(bào)in direct in vestme nt間接投資in respect of 關(guān)于acquisiti on兼并a wide array of 大量的perspective 觀點(diǎn)pote ntial 潛在的credit risk信貸風(fēng)險(xiǎn)on-a nd off-bala nee sheet表內(nèi)和表外項(xiàng)目write off勾銷(xiāo)，注銷(xiāo)（債款）；報(bào)廢suspe nd暫停reprie

15、ing risk重定價(jià)風(fēng)險(xiǎn)yield curve收益率曲線optio nality可選擇性，隨意portfolio資產(chǎn)組合deregulate解除管制in solve ncy無(wú)力償還，破產(chǎn)un ethical不道德的，缺乏職業(yè)道德的be susceptible to易受影響的comply with 符合，遵守finan cial distress財(cái)務(wù)困難directorate董事會(huì)，管理局prude ntial rules 審慎規(guī)則imprude nt 輕率的，魯莽的suppla nt排擠掉，代替dyn amic動(dòng)態(tài)的asset concen trati on資產(chǎn)集中l(wèi)oan classifi

16、cati on system貸款分類(lèi)系統(tǒng)adequacy of loa n loss reserves足夠的貸款損失儲(chǔ)備risk man ageme nt風(fēng)險(xiǎn)管理in ter nal co ntrol內(nèi)部控制equity capital股本權(quán)益reve nue 收入capital adequacy ratios資本充足率risk profile 風(fēng)險(xiǎn)組合asset quality資產(chǎn)質(zhì)量in a timely fashion及時(shí)地，適時(shí)地core capital 核心資本tier one capital一級(jí)資本retain ear ning留存收益surplus 盈余suppleme ntar

17、y capital補(bǔ)充資金revaluati on reserves重估儲(chǔ)備金hidde n reserves秘密準(zhǔn)備金subord in ated term從屬條款risk weight風(fēng)險(xiǎn)權(quán)重un dercapitalized資本金不足merger 合并volatility of price價(jià)格不穩(wěn)定correlati on assumpti on相關(guān)性假設(shè)non-linear price characteristics非線性?xún)r(jià)格特性plus factor 正因素in depe ndent risk con trol unit獨(dú)立風(fēng)險(xiǎn)控制部門(mén)risk-se nsitive風(fēng)險(xiǎn)敏感的on e

18、-size-fits-all framework一成不變的框架rati ngs based以評(píng)級(jí)為基礎(chǔ)的default of the borrower借貸者不履行還款責(zé)任comme nsurate with與相稱(chēng)的highly leveraged 高舉債經(jīng)營(yíng)的 provisi ons 備用金bad debt呆賬，壞賬loan 借款adva nee 預(yù)付款exte nsion of credits信貸延期obligor 債務(wù)人collateral 擔(dān)保品capital in jecti on資本（金）注入liquidati on proceedi ngs清算訴訟lie ns抵押留置權(quán)refi n

19、an ci ng pla ns再融資計(jì)劃salvage value 殘余價(jià)值con ti ngent liabilities或有債務(wù)have an adverse beari ng on對(duì)有不利影響overdue loa ns過(guò)期貸款doubtful loa ns可疑貸款overdraft 透支assets portfolio投資組合資產(chǎn)liquidity ratio流動(dòng)比率liquidity squeeze流動(dòng)資金緊張cushion償債安全余量，緩沖mismatch 未扎平的，不相配的audit fun cti on 審計(jì)職能on-site surveilla nee非現(xiàn)場(chǎng)監(jiān)管in the

20、short or medium term從中短期來(lái)看ann ual reports 年報(bào)un der the auspices of在的贊助下secondary market二級(jí)市場(chǎng)equity 股本leverage ratios 杠桿率volatile markets劇烈變動(dòng)的市場(chǎng)loan loss provisi ons貸款損失準(zhǔn)備金loss reserves損失準(zhǔn)備金exam iner-in-charge檢查組組長(zhǎng)in ter nal audit內(nèi)部審計(jì)con ti ngency funding應(yīng)急開(kāi)支準(zhǔn)備金complia nee合規(guī)性composite rat ing綜合評(píng)定len d

21、i ng policies貸款制度total loan volume貸款總額loan cove nants貸款契約board of directors董事會(huì)buy-outs 買(mǎi)斷l(xiāng)oan appraisal貸款評(píng)估outsta nding loa ns未償貸款finan cial health財(cái)務(wù)正常in come stateme nt損益表finan cial positi on and prospects財(cái)務(wù)現(xiàn)狀和前景cash flow現(xiàn)金流量ben chmark 基準(zhǔn)assets quality rating資產(chǎn)質(zhì)量評(píng)級(jí)service the loa n償還貸款un assisted m

22、erger有償合并deposit in sura nee fund存款保險(xiǎn)基金indemnifying 保障補(bǔ)償put option岀售期權(quán)revamp 改組；補(bǔ)修，翻新；修訂，改進(jìn)market-orie nted finan cial system市場(chǎng)導(dǎo)向的金融體制operati onal in depe ndence自主經(jīng)營(yíng)corporati on affiliati on公司聯(lián)營(yíng)機(jī)構(gòu)第三部分中國(guó)的外匯體制foreig n excha nge夕卜匯foreig n curre ncy夕卜幣accelerate力快plEanqFDPwcon diti onal curre nt accou

23、nt con vertability有條件的經(jīng)常項(xiàng)目可兌換man aged float ing excha nge rate有管理的浮動(dòng)匯率In ter natio nal Mon etary Fund (IMF)國(guó)際貨幣基金組織promulgate 頒布non-reside nt banks夕卜國(guó)銀行bala nee of payme nts國(guó)際支付payme nt voucher支付憑證bank certificate of deposit銀行存款單eireulati on 流通foreig n excha nge surre nder bus in ess夕卜匯止付業(yè)務(wù)debt serv

24、ice accou nts般結(jié)算賬戶(hù)revoke 撤銷(xiāo)reference rate參考利率foreig n-fun ded en terprises ceili ng最高限額retain留存advise通矢知lift 解除 export proceeds 岀口收入 verify 查證，核驗(yàn) en ter 記入，登記 receipts 收入 call money活期貸款fraud of foreig n excha nge desig nated foreig n excha nge banks capital accou nt tran sacti ons 第四部分會(huì)計(jì)I財(cái)務(wù)會(huì)計(jì)commu n

25、icate 傳達(dá)；告知；交流 finan cial stateme nt財(cái)務(wù)報(bào)表mon etary貨幣的外資企業(yè)騙匯指定辦理外匯的銀行資本賬戶(hù)下的交易warrant 為提供充足的根據(jù)outlet 銷(xiāo)售點(diǎn)，銷(xiāo)路sou nd 健康的，合理的bookkeep ing記賬，簿記tran sacti ons交易virtually實(shí)質(zhì)上apply to適用于day-to-day日常的evaluate評(píng)價(jià)，評(píng)估corrective acti on矯正的行為mercha ndise用于買(mǎi)賣(mài)的貨物，商品inventory 庫(kù)存，存貨creditors 債權(quán)人ven ture（為盈利而進(jìn)行冒險(xiǎn)的）企業(yè)；短期投資，

26、商業(yè)冒險(xiǎn)mon itor監(jiān)控an alyze分析keep up with 跟上Wall Street Journal華爾街日?qǐng)?bào)Busi ness Weekly商業(yè)周刊（雜志）Forbes福布斯（雜志）Fortu ne財(cái)富（雜志）projection 預(yù)測(cè)，估計(jì)；規(guī)劃項(xiàng)目disclose 透露，披露authorities 當(dāng)局in come tax 所得稅non profit orga ni zati ons非盈利性組織profit-orie nted利潤(rùn)導(dǎo)向的budgets預(yù)算payrolls工資單recession（經(jīng)濟(jì)衰退）sta ndard of liv ing生活水平audit ing

27、審計(jì)in accorda nee with符合，按照comply with 遵守，符合tax returns 納稅申報(bào)單man ageme nt eon suit ing管理咨詢(xún)cost accou nting成本會(huì)計(jì)成本會(huì)計(jì)是成本管理系統(tǒng)中的一個(gè)子系統(tǒng)。它的主要任務(wù)就是歸集、分配和計(jì)算有關(guān)成本對(duì)象的成本，并進(jìn)行分析和考核，為管理者提供準(zhǔn)確的、可靠的成本信息DXDiTa9E3dflow charts 流程圖in ter nal audit ing內(nèi)部審計(jì)finan cial accou nti ng財(cái)務(wù)會(huì)計(jì)stockholders 股東guideli nes指導(dǎo)方針sta nd for 代表strive to 奮力the en tity con cept會(huì)計(jì)主體概念the reliability