银行业务英语词汇
银行业务常用英语词汇以及对话
account number 帐号 depositor 存户pay-in slip 存款单a deposit form 存款单a banding machine 自动存取机to deposit 存款deposit receipt 存款收据private deposits 私人存款certificate of deposit 存单deposit book; passbook 存折credit card 信用卡principal 本金overdraft; overdraw 透支to counter sign 双签 to endorse 背书endorser 背书人to cash 兑现 to honor a cheque 兑付to dishonor a cheque 拒付to suspend payment 止付 cheque;check 支票cheque book 支票本order cheque 记名支票bearer cheque 不记名支票crossed cheque 横线支票blank cheque 空白支票rubber cheque 空头支票cheque stub; counterfoil 票根cash cheque 现金支票traveler's cheque 旅行支票cheque for transfer 转帐支票outstanding cheque 未付支票canceled cheque 已付支票forged cheque 伪支票Bandar's note 庄票;银票banker 银行家president 行长savings bank 储蓄银行 Chase Bank 大通银行 Citibank 花旗银行Hongkong Shanghai Banking Corporation 汇丰银行Chartered Bank of India; Australia and China 麦加利银行Banque de I'IndoChine 东方汇理银行central bank; national bank; banker's bank 中央银行bank of issue; bank of circulation 发行币银行commercial bank 商业银行;储蓄信贷银行member bank; credit bank 储蓄信贷银行discount bank 贴现银行exchange bank 汇兑银行requesting bank 委托开证银行issuing bank; opening bank 开证银行advising bank; notifying bank 通知银行negotiation bank 议付银行confirming bank 保兑银行paying bank 付款银行associate banker of collection 代收银行consigned banker of collection 委托银行clearing bank 清算银行local bank 本地银行domestic bank 国内银行overseas bank 国外银行unincorporated bank 钱庄branch bank 银行分行trustee savings bank 信托储蓄银行trust company 信托公司financial trust 金融信托公司unit trust 信托投资公司trust institution 银行的信托部credit department 银行的信用部commercial credit companydiscount company 商业信贷公司贴现公司neighborhood savings bank; bank of deposit 街道储蓄所credit union 合作银行credit bureau 商业兴信所self-service bank 无人银行land bank 土地银行construction bank 建设银行industrial and commercial bank 工商银行bank of communications 交通银行mutual savings bank 互助储蓄银行post office savings bank 邮局储蓄银行mortgage bank; building society 抵押银行industrial bank 实业银行home loan bank 家宅贷款银行reserve bank 准备银行chartered bank 特许银行corresponding bank 往来银行merchant bank; accepting bank 承兑银行investment bank 投资银行 import and export bank EXIMBANK 进出口银行joint venture bank 合资银行 money shop; native bank 钱庄credit cooperatives 信用社clearing house 票据交换所public accounting 公共会计business accounting 商业会计cost accounting 成本会计depreciation accounting 折旧会计computerized accounting 电脑化会计general ledger 总帐subsidiary ledger 分户帐cash book 现金出纳帐cash account 现金帐journal; day-book 日记帐;流水帐bad debts 坏帐 investment 投资surplus 结余 idle capital 游资economic cycle 经济周期 economic boom 经济繁荣economic recession 经济衰退economic depression 经济萧条 economic crisis 经济危机economic recovery 经济复苏inflation 通货膨胀 deflation 通货收缩 devaluation 货币贬值 revaluation 货币增值international balance of payment 国际收支favourable balance 顺差adverse balance 逆差hard currency 硬通货soft currency 软通货international monetary system 国际货币制度the purchasing power of money 货币购买力money in circulation 货币流通量note issue 纸币发行量national budget 国家预算national gross product 国民生产总值public bond 公债stock; share 股票debenture 债券treasury bill 国库券debt chain 债务链direct exchange 直接对角套汇indirect exchange 间接三角套汇cross rate; arbitrage rate 套汇汇率foreign currency exchange reserve 外汇储备foreign exchange fluctuation 外汇波动foreign exchange crisis 外汇危机discount 贴现discount rate; bank rate 贴现率gold reserve 黄金储备money financial market 金融市场stock exchange 股票交易所broker 经纪人commission 佣金 bookkeeping 簿记bookkeeper 簿记员an application form 申请单bank statement 对帐单letter of credit 信用证strong room; vault 保险库equitable tax system 等价税则specimen signature 签字式样banking hours; business hours 营业时间银行英语口语－新开帐户What kind of account did you have in your mind你想开哪种帐户Do you like to open a current account你想开一个活期存款帐户吗A deposit or current account定期还是活期Please tell me how you would like to deposit your money.请告诉我你想存何种户头There's a service charge for the checking account but no charge for the savings.支票户头要收服务费;现金户头不收..Our minimum deposit for a savings account is 100 dollars.我们储蓄存款的最低存款额是100美圆..Five yuan is the minimum original deposit.最低起存款额是5元..You can open a savings account at any time with an initial deposit of 50 dollars.你可随时以50美圆的起存额开立储蓄帐户..Even one yuan is all right.甚至一元也可以起存..Here is your pasbook. Please bring it back when you deposit or withdraw money any time you like. Keep it well and inform us whenever you lose it.这是你的存折;存取款时请带来..保管好存折;遗失请告诉我们..I should like to open a current account.我想开一个活期存款帐户..I need a checking account so that I can pay my bill.我需开个支票帐户;这样就能付帐..We'd like to know how we open a checking-savings account. 我们想知道如何开一个支票储蓄帐户..I have a checking account here.我在这里有一个支票存款帐户..I think I'd like a deposit account.我想要开个定期存款帐户..Can I open a current account here我能否在这儿开个活期存款帐户I want to open a deposit account with you.我要开个储蓄帐户..I'd like to open a deposit account with you.我想在你们这儿开个定期存款帐户..Could you tell me the difference between a savings account and a checking account请告诉我储蓄存款与支票存款的区别好吗Please tell me the procedure for opening a savings account.请告诉我开个储蓄帐户需要什么手续..Will 100 yuan be enough for a minimum deposit100元作最低存款额够吗I'd like to know whether a 200 yuan deposit will be enough for opening a checking account.我想知道开一个支票帐户200元存款是否够..Could you tell me how to operate this account请告诉我如何经管这个帐户好吗Is there any minimum for the first deposit第一次储蓄有最低限额吗How much does each account cost每个帐户要花多少钱Useful Phrasescurrent deposit; current account 活期存款fixed deposit; fixed account 定期存款fixed deposit by installments 零存整取joint account 联名存款帐户to open an account 开户头银行英语口语－存款How much do you want to deposit with us你想在我们这存多少How much do you wish to pay into your account你希望在你的户头上存多少How much money do you plan to keep in your account on a regular basis你计划在你的户头上定期存放多少钱How much cash do you plan to deposit in your account你有多少钱要存入呢I think you may deposit your money with the bank; or leave it here for temporary safe-keeping.我认为你可把钱存入银行;或留在银行暂保管起来..Would you please fill in the depositing form; giving the sum of money you're to deposit as well as your name; address and professional unit请填张存款单;写明要存的数额以及你的姓名;地址和工作的单位;好吗I want to deposit 300 yuan in my account.我想在我的户头上存300元..I want to deposit these cheques in my account.我想把这些支票存在我的户头上..I'd like to pay 200 yuan into my deposit account.我想在在我的定期存款户头上存200元..I want to deposit my paycheck.我想存入我的工资支票..I'd like to know whether I can cash a cheque here.我想知道我能否在这兑换支票..Will you please cash this traveler's cheque请兑现这张旅行支票好吗I'd like to cash this money order.我想兑现这张汇款单..I want to cash the balance of a traveler's letter of credit.我要把旅行信用证的结余兑现..Will you please tell me whether you charge for cheques请告诉我兑换支票收手续费吗Could you tell me how much the checks cost请告诉我这些支票要花多少钱What if I overdraw如果透支了怎么办Please sign your name on the bottom line if you want to cash the check.如果想兑支票;请在底线上签名..Please write your account number on the back of the check.请在支票背面写上你的帐号..We honored the check as the overdraft was only 5 yuan.我们承兑这张支票的透支额只有5元..Please endorse the cheque.请背签这张支票..The traveler's checks cost 1.5% of the total amount of purchase. 旅行支票手续费是购买总额的1.5%..Here's the cheque book. When you send a cheque by post be careful to cross it; but if you wish to cash a cheque yourself; you must leave it "open".这是一本支票簿;你邮寄支票时;注意要在支票上打叉线..但是如果你本人想开张兑现支票;就不可打叉线..Each cheque you write will cost 2 dollars.你每开一张支票将花2美圆..银行英语口语－取款、结余I'd like to know if I can draw on my account for payment of things I buy in Tianjin.我想知道一下我是否能提取存款来支付天津购物的费用..I want to withdraw 200 dollars from my deposit account.我要从我的定期存款中支取200美圆..I want to close my account with you.我想结束在你们这儿的帐户..I'd like to draw 100 yuan against this letter of credit. 我想从这份信用证上提款100元..May I draw money against the letter of credit here我可以在这儿用这份信用证取钱吗Could you tell me my balance能否把存款结余金额告诉我Please let me know my balance.请告诉我结余金额..I think you can draw on this account by cheque in payment of goods.我以为你可用支票提款支付购物费用..Your balance at the bank is 300 yuan.你在本行的结余是300元..Your deposit is exhausted.你的存款支净了..Your letter of credit is used up.你的信用证用完了..Please tell me how you wish to draw your money.请告诉我你希望怎样支款..Fill our a withdrawal form; please.请填写取款单..The letter of credit is exhausted.信用证上的款子已提清..The letter at Counter 6 will pay you against your number slip.六号柜台的出纳员将根据你的号码牌付给你钱..Useful Words and Phrasesto close an account; to clear an account 结清to draw money 取款drawing-out slip 取款单the number slip 号码牌a withdrawal form 取款单to fill in the receipt in duplicate 一式两份填这张收据teller; cashier 出纳员银行英语口语－兑换货币Please tell me how much you want to change.请告诉我你要换多少..How much of the remittance do you want to convert into Japanese yen你要把多少汇款换成日圆What kind of currency do you want要哪种货币What's it you wish to change你有什么要换的What kind of currency do you want to change 要换哪种货币In what denominations要什么面值的Please tell me what note you want.请告诉我要什么钞票..Will seven tens be all right7张10元的可以吗Is it in traveler's cheques换旅行支票吗I'd like to know how I shall give it to you.我想知道如何付钱给你..How would you like it你要什么面额的Would you kindly sign the exchange form; giving your name and address请在兑换单上签字;写出你的姓名和地址;好吗Can you change me some money; please能否请你给我兑换一些钱Here it is; some French francs; Swiss francs; American dollars and a few Dutch guilders.这些就是：一些法国法郎;瑞士法郎;美圆和一些荷兰盾..Would you please give me seven five-pound notes; four poundnotes and four ten-shilling notes; and the rest in small change.请你给我7张5镑纸币;4张1镑纸币;4张10先令纸币;剩下的要零票..Would you mind giving me the six pence in coppers劳驾给我6便士的铜币..I'd like to know if you could change this money back into U.S. dollars for me.我想知道能否把这笔兑回成美圆..Could you change these French francs for me能给我兑换这些法国法郎吗Can you give me 100 dollars in Swiss francs能否给我100美圆的瑞士法郎I'd like to convert the full amount of the remittance into U.S. dollars.我想把全部汇款换成美圆..I'd like some coins for this note.我想把这张纸币换成硬币..I'd like to break this 50 dollar note.我想把这张50美圆纸币换开..Five twenties and ten singles; please.请给我5张20元和10张一元的..I need 300 dollars in 100-dollar cheques.我要300美圆票面为100美圆的支票..I hope you'll give me ten traveler's cheques of 100 dollars each.我希望给我10张面额为100美圆的旅行支票..In fives; please.请给我5元票面的..Could you give me some small notes 给我一些小票好吗Useful Words and Phrasescurrency; money 货币money changing 兑换货币an exchange form 兑换单bank note 钞票note of large denomination 大票note of small denomination 小票small change 零钱subsidiary money 辅币nickel piece 镍币plastic currency notes 塑料钞票convertible money 可兑换黄金纸币银行英语口语－储蓄存款利息What's the interest rate for the savings account 储蓄存款的利率是多少Do you pay interest on this account这种存款付给利息吗Please tell me what the annual interest rate is.请告诉我年利率是多少..Interest is paid at the rate of 1% per annum at present. 目前每年的利率是1%..It allows you to earn a little interest on your money. 这可使你从存款中获得一点利息..The account carries interest of 4%.该存款有4%的利息..The interest is added to your account every year. 每年的利息都加到你的存款中..The interest rate for the savings account is 4%. 储蓄存款的利率是4%..It varies from time to time. At present it is 6%. 年息每个时期都不同;现在是六厘..Useful Words and Phrasesinterest rate 利率simple interest 单利compound interest 复利legal interest 法定利息prime rate 优待利率payable interest 应付利息lending rate 贷款利率usury 高利贷the subsidy rate for value-preserved savings 保值储蓄补贴率银行英语口语－外汇率Tell me the current rate for RMB; please.请告诉我人民币的现价..What's your selling rate for RMB yuan in notes today 你们今天人民币现钞的售价是多少What's the dollar going for today美圆今天的售价是多少Our buying rate for notes is 523 yuan for 100 dollars. 我们100美圆的现钞买入价是523元..It's 200 French francs at today's selling rate.今天的卖出价是200法国法郎..The buying rate of U.S. dollar notes is 460 yuan per hundred dollars.美圆现钞买入价是100美圆付460元..Useful Phrasesbuying rate 买进价格selling rate 卖出价格And how much will it be in Japanese currency换成日本币是多少How much would I get for 300 Japanese yen300日圆可兑换多少钱I'd like to know the exchange rate for German marks.我想知道德国马克的兑换率..What rate are you giving你们提供的兑换率是多少What's the exchange rate today今天的兑换率是多少Please tell me what you would give me for my U.S. dollars. 请告诉我这些美圆可以兑换多少钱..Please tell me the current rate for sterling.请告诉我英国货币的现行兑换率..If you'll wait a moment; I'll find out the rates of exchange. 请等一会儿;我查一下兑换率..Please wait a moment. I'll find out the exchange rate between U.S. dollars and RMB.请等一会儿;我查一下美圆对人民币的兑换率..It's 470 yuan for 100 dollars.100美圆可兑470元..The exchange rate today is 200 yen to the pound.今天的兑换率是一英镑可兑200日圆..The rate for traveler's cheques is 300 yuan against 100 dollars. 旅行支票的兑换率是100美圆兑300元..These dollars are worth 1;000 yuan.这些美圆可换1000元..Useful Phrasesexchange table; conversion table 汇兑换算表foreign exchange 外汇exchange rate 外汇率conversion rate 折合率foreign exchange restriction 外汇限额foreign exchange quotations 外汇行情to check the rate for sb. 查牌价。
银行业应用英语词汇汇总..
2M method 2M 法3M method 3M 法A scores A 值Acco unting conven ti on 会计惯例Acco unting for acquisiti ons 购并的会计处理Accounting for debtors 应收账款核算Acco unting for depreciati on 折旧核算Acco unting for foreig n curre ncies 夕卜汇核算Acco un ti ng for goodwill 商誉核算Acco un ti ng for stocks 存货核算Acco un ti ng policies 会计政策Acco un ti ng sta ndards 会计准贝UAccruals con cept 权责发生原则Achievi ng credit c ontrol 实现信用控制Acid test ratio 酸性测试比率Actual cash flow 实际现金流量Adjusti ng compa ny profits 企业利润调整Adva nee payme nt guara ntee 提前偿还保金Adverse trad ing 不禾U交易Advertis ing budget 广告预算Advis ing ba nk 通告银行Age an alysis 账龄分析Aged debtors an alysis 逾期账款分析Aged debtors'exception report 逾期应收款的特殊报告Aged debtors'exception report 逾期账款特别报告Aged debtors'report 逾期应收款报告Aged debtors'report 逾期账款报告All —mon ies clause 全额支付条款Amortizati on 摊销An alytical questi onn aire 调查表分析An alytical skills 分析技巧An alyzi ng financial risk 财务风险分析An alyz ing finan cial stateme nts 财务报表分析An alyzi ng liquidity 流动性分析An alyzi ng profitability 盈利能力分析An alyz ing worki ng capital 营运资本分析Annual expe nditure 年度支出An ticipat ing future in come 预估未来收入Areas of financial ratios 财务比率分析的对象Articles of in corporati on 合并条款Asian crisis 亚洲（金融）危机Assess ing compa nies 企业评估Assess ing country risk 国家风险评估Assessi ng credit risks 信用风险评估Assess ing strategic power 战略地位评估Assessme nt of banks 银行的评估Asset conversion lending 资产转换贷款Asset protect ion lending 资产担保贷款Asset sale 资产出售Asset turnover 资产周转率Assets 资产Associati on of British Factors and Disco un ters英国代理人与贴现商协会Auditor's report 审计报告Aval物权担保Bad debt 坏账Bad debt level 坏账等级Bad debt risk 坏账风险Bad debts performa nee 坏账发生情况Bad loa ns 坏账Bala nee sheet 资产负债表Bala nee sheet structure 资产负债表结构Bank credit 银行信贷Bank failures 银行破产Bank loans . availability 银行贷款的可获得性Bank status reports 银行状况报告Ban kruptcy 破产Ban kruptcy code 破产法Ban kruptcy petiti on 破产申请书Basle agreeme nt 塞尔协议Basle Agreeme nt 《巴塞尔协议》Behavorial scori ng 行为评分Bill of excha nge 汇票Bill of ladi ng 提单BIS国际清算银行BIS agreeme nt国际清算银行协定Blue chip 蓝筹股Bonds 债券Book receivables 账面应收账款Borrow ing money 借人资金Borrow ing propositi on 借款申请Breakthrough products 仓U新产品Budgets 预算Buildi ng compa ny profiles 勾画企业轮廓Bureaux （信用咨询）公司Busin ess developme nt loa n 商业开发贷款Busi ness failure 破产Bus in ess pla n 经营计戈UBusin ess risk 经营风险Buyer credits 买方信贷Buyer power 购买方力量Buyer risks 买方风险CAMPARI优质贷款原则Canons of len di ng 贷款原则Capex资本支出Capital adequacy 资本充足性Capital adequacy rules 资本充足性原则Capital commitme nts 资本承付款项Capital expe nditure 资本支出Capital fun di ng 资本融资Capital in vestme nt 资本投资Capital stre ngth 资本实力Capital structure 资本结构Capitalization of in terest 利息资本化Capitaliz ing developme nt costs 研发费用资本化Capitaliz ing developme nt expe nditures 研发费用资本化Capitalizi ng in terest costs 利息成本资本化Cascade effect 瀑布效应Cash assets 现金资产Cash collectio n targets 现金托收目标Cash cycle现金循环周期Cash cycle ratios 现金循环周期比率Cash cycle times 现金循环周期时间Cash deposit 现金储蓄Cash flow adjustme nts 现金流调整Cash flow an alysis 现金流量分析Cash flow crisis 现金流危机Cash flow cycle 现金流量周期Cash flow forecasts 现金流量预测Cash flow len di ng 现金流贷出Cash flow profile 现金流概况Cash flow projectio ns 现金流预测Cash flow stateme nts 现金流量表Cash flows 现金流量Cash position 现金头寸Cash positive JE 现金流量Cash rich compa nies 现金充足的企业Cash surplus 现金盈余Cash tank 现金水槽Cash-in-adva nee 预付现金Categorized cash flow 现金流量分类CE优质贷款原则CEO首席执行官Chairman 董事长，总裁Chapter 11 rules 第章条款Charge抵押Charged assets 抵押资产Chief executive officer 首席执行官Collateral security 抵押证券Collecti ng payme nts 收取付款Collectio n activitv 收款活动Collection cycle 收款环节Collectio n procedures 收款程序Collective credit risks 集合信用风险Comfortable liquidity positi9n 适当的流动性水平Commercial mortgage 商业抵押Commercial paper 商业票据Commissi on 佣金Commitme nt fees 承诺费Com mon stock 普通股Com mon stockholders 普通股股东Compa ny and its in dustry 企业与所处行业Compa ny assets 企业资产Compa ny liabilities 企业负债Compa ny loa ns 企业借款Competitive adva ntage 竞争优势Competitive forces 竞争力Competitive products 竞争产品Compla int procedures 申诉程序Computerized credit in formati on 计算机化信用信息Computerized diaries 计算机化日志Con firmed letter of credit 承兑信用证Con firmed letters of credit 保兑信用证Confirming bank 确认银行Con servatism con cept 谨慎原贝UCon siste ncy con cept 一贯性原贝UCon solidated acco unts 合并报表Con solidated bala nee sheets 合并资产负债表Con ti ngent liabilities 或有负债Con ti nuing security clause 连续抵押条款Con tractual payme nts 合同规定支出Con trol limits 控制限度Con trol of credit activities 信用活动控制Co ntrolli ng credit 控制信贷Co ntrolli ng credit risk 控制信用风险Corporate credit an alysis 企业信用分析Corporate credit co ntroller 企业信用控制人员Corporate credit risk an alysis 企业信用风险分析Corporate customer 企业客户Corporate failure predictio n models 企业破产预测模型Corporate len di ng 企业贷款Cost leadership 成本领先型Cost of sales 销售成本Costs成本Cou ntry limit 国家限额Cou ntry risk 国家风险Court judgme nts 法院判决Covenant贷款保证契约Covenants 保证契约Creative acco unting 寻机性会计Credit an alysis 信用分析Credit an alysis of customers 客户信用分析Credit an alysis of suppliers 供应商的信用分析Credit an alysis on banks 银行信用分析Credit an alysts 信用分析Credit assessme nt 信用评估Credit bureau reports 信用咨询公司报告Credit bureaux 信用机构Credit con trol 信贷控制Credit control activities 信贷控制活动Credit con trol performa nee reports 信贷控制绩效报告Credit con trollers 信贷控制人员Credit cycle 信用循环Credit decisio ns 信贷决策Credit deterioration 信用恶化Credit exposure 信用敞口Credit granting process 授信程序Credit in formati on 信用信息Credit in formatio n age ncy 信用信息机构Credit insurance 信贷保险Credit insurance adva ntages 信贷保险的优势Credit in sura nee brokers 信贷保险经纪人Credit in sura nee limitati ons 信贷保险的局限Credit limits 信贷限额Credit limits for currency blocs 货币集团国家信贷限额Credit limits for in dividual co un tries 国家信贷限额Credit man ageme nt 信贷管理Credit man agers 信贷经理Credit mon itori ng 信贷监控Credit notes 欠款单据Credit period 信用期Credit pla nning 信用计戈UCredit policy 信用政策Credit policy issues 信用政策发布Credit proposals 信用申请Credit protecti on 信贷保护Credit quality 信贷质量Credit rating 信用评级Credit rati ng age ncies 信用评级机构Credit rating process 信用评级程序Credit rati ng system 信用评级系统Credit reference 信用咨询Credit reference age ncies 信用评级机构Credit risk信用风险Credit risk assessme nt 信用风险评估Credit risk exposure 信用风险敞口Credit risk in sura nee 信用风险保险Credit risk . in dividual customers 个体信用风险Credit risk : bank credit 信用风险：银行信用Credit risk : trade credit 信用风险：商业信用Credit scori ng 信用风险评分Credit scoring model 信用评分模型Credit scori ng system 信用评分系统Credit squeeze 信贷压缩Credit taken ratio 受信比率Credit terms 信贷条款Credit utilization reports 信贷利用报告Credit vett ing 信用审查Credit watch 信用观察Credit worth in ess 信誉Creditor days 应付账款天数Cross-default clause 交叉违约条款Currency risk 货币风险Current assets 流动资产Curre nt debts 流动负债Current ratio requireme nt 流动比率要求Curre nt ratios 流动比率Customer care 客户关注Customer credit rat ings 客户信用评级Customer liais on 客户联络Customer risks 客户风险Cut-off scores 及格线Cycle of credit mon itori ng 信用监督循环Cyclical busi ness 周期性行业Daily operat ing expe nses 经营费用Day' s sales outsta ndi ng 收回应收账款的平均天数Debe ntures 债券Debt capital 债务资本Debt collection age ncy 债务托收机构Debt issuer 债券发行人Debt protection levels 债券保护级别Debt ratio 负债比率Debt securities 债券Debt service ratio 还债率Debtor days 应收账款天数Debtor's assets 债权人的资产Default 违约Deferred payme nts 延期付款Defin itio n of leverage 财务杠杆率定义Deposit limits 储蓄限额Deposit ing money 储蓄资金Depreciati on 折旧Depreciati on policies 折旧政策Developme nt budget 研发预算Differe ntiation 差别化Direct loss 直接损失Directors salaries 董事薪酬Discretio nary cash flows 自决性现金流量Discretio nary outflows 自决性现金流出Distribution costs 分销成本Divide nd cover 股息保障倍数Divide nd payout ratio 股息支付率Divide nds 股利Docume ntary credit 跟单信用证DSO应收账款的平均回收期Duratio n of credit risk 信用风险期Easter n bloc coun tries 东方集团国家EBITDA扣除利息、税收、折旧和摊销之前的收益ECGD出口信贷担保局Econo mic con diti ons 经济环境Econo mic cycles 经济周期Econo mic depressi on 经济萧条Econo mic growth 经济增长Econo mic risk 经济风险Electro nic data in tercha nge(EDI) 电子数据交换En viro nmen tal factors 环境因素Equity capital 权益资本Equity finance 权益融资Equity stake 股权EU coun tries 欧盟国家EU directives 欧盟法规EUlaw欧盟法律Eurobo nds 欧洲债券Europea n parliame nt 欧洲议会Europea n Union 欧盟Evergree n loa n 常年贷款Excepti onal item 例外项目Excessive capital commitme nts 过多的资本承付款项Excha nge con trols 夕卜汇管制Excha nge-c on trol regulatio ns 夕卜汇管制条例Exhaust method 排空法Existi ng competitors 现有竞争对手Existi ng debt 未清偿债务Export credit age ncies 出口信贷代理机构Export credit in sura nee出口信贷保险 Export factori ng 出口代理Export sales 出口额Exports Credit Guara ntee Departme nt出口信贷担保局 Exte nding credit 信贷展期External age ncy 夕卜部机构Exter nal assessme nt methods 夕卜部评估方式Exter nal assessme nts 夕卜部评估Exter nal in formati on sources 夕卜部信息来源Extraord inary items非经常性项目 Extras 附加条件Facility accou nt 便利账户Factori ng 代理Factori ng debts 代理收账Factori ng disco un ti ng 代理折扣Factors Chai n In ternatio nal国际代理连锁 Failure predictio n scores 财务恶化预测分值FASB （美国）财务会计准则委员会Faulty credit an alysis破产信用分析Fees 费用Finance , new bus in ess ven tures 为新兴业务融资 Finance ,repay existing debt 为偿还现有债务融资 Finan ce,work ingcapital 为营运资金融资Finan cial assessme nt 财务评估Finan cial rat ing an alysis 财务评级分析Finan cial ratios 财务比率Finan cial risk 财务风险Finan cial risk ratios 财务风险比率Fitch IBCA 惠誉评级 Finan cial cash flows Finan cial collapse Finan cial flexibility Finan cial forecast Finan cial in stability 融资性现金流量财务危机财务弹性财务预测财务的不稳定性Fitch IBCA rati ngs 惠誉评级Fixed assets 固定资产Fixed charge 固定费用Fixed charge cover 固定费用保障倍数Fixed costs 固定成本Float ing assets 浮动资产Floati ng charge 浮动抵押Floor pla nning 底价协议Focus聚焦Forced sale risk 强制出售风险Foreig n excha nge markets 夕卜汇市场Forfaiti ng 福费廷Formal credit rat ing 正式信用评级Forward rate agreeme nts 远期禾U率协议FRAs远期利率协议Fund man agers 基金经理FX transaction 外汇交易GAAP公认会计准则Geari ng财务杠杆率Geographical spread of markets 市场的地理扩展Global target 全球目标Going concern con cept 持续经营原贝U Good len di ng 优质贷款Good times 良好时期Gover nment age ncies 政府机构Gover nment in terfere nee 政府干预Gross in come 总收入Guara ntee of payme nt 支付担保Guara nteed loa ns 担保贷款Guara ntees 担保High credit quality 高信贷质量High credit risks 高信贷风险High default risk 高违约风险High in terest rates 高禾U率High risk regions 高风险区域Highly speculative 高度投机High-risk loan 高风险贷款High-value loan 高价值贷款Historical acco un ti ng 历史会计处理Historical cost 历史成本IAS国际会计准则IASC国际会计准则委员会IBTT息税前利润ICE优质贷款原则Idealliquidity ratios 理想的流动性比率Implied debt rating 隐含债务评级Importa nee of credit con trol 信贷控制的重要性Improved products 改进的产品IImprovi ng reported asset values 改善资产账面价值In house assessme nt 内部评估In house credit an alysis 内部信用分析In house credit assessme nts 内部信用评估In house credit rati ngs 内部信用评级In come bonds 收入债券In come stateme nt 损益表In creas ing profits 提高利润In creas ing reported profits 提高账面利润In dem nity clause 赔偿条款In dicators of credit deteriorati on 信用恶化征兆In direct loss 间接损失In dividual credit transactions 个人信用交易In dividual rating 个体评级In dustrial reports 行业报告In dustrial un rest 行业动荡In dustry limit 行业限额In dustry risk 行业风险In dustry risk an alysis 行业风险分析Inflow现金流入In formati on in finan cial stateme nts 财务报表中的信息In-house credit ratin gs 内部信用评级Ini tial payme nt 初始支付In solve ncies 破产In stitutio nal in vestors 机构投资者In sured debt 投保债务Intan gible fixed asset 无形固定资产In ter-compa ny comparis ons 企业间比较In ter-compa ny loa ns 企业间借款Interest 利息In terest cost 利息成本In terest cover ratio 利息保障倍数In terest cover test 利息保障倍数测试In terest holiday 免息期In terest payme nts 禾利息支付In terest rates 利率Interim statements 中报(中期报表)Internal assessme nt methods 内部评估方法In ternal financing ratio 内部融资率Internal Revenue Service 美国国税局Intern ati onal Acco unting Stan dards Committee 国际会计准则委员会In ternatio nal Accou nting Sta ndards(IAS) 国际会计准则Intern ati onal Chamber of Commerce 国际商会Intern ati onal credit rat ings 国际信用评级Intern ati onal Factori ng Associati on 国际代理商协会Intern ati onal settleme nts 国际结算Inven tory 存货In verse of curre nt ratio 反转流动比率In vestme nt an alysts 投资分析人员In vestme nt policy 投资政策In vestme nt risk 投资风险In vestme nt spe nding 投资支出In voice disco unting 发票贴现Issue of bon ds 债券的发行Issued debt capital 发行债务资本Junk bo nd status 垃圾债券状况Just-i n-time system(JIT) 适时系统Key cash flow ratios 主要现金流量指标Labor un rest 劳动力市场动荡Large . scale borrower 大额借贷者Legal guara ntee 法律担保Legal in solve ncy 法律破产Lending agreeme nts 贷款合约Lending cove nants 贷款保证契约Lending decisi ons 贷款决策Lending proposals 贷款申请Lending propositi on 贷款申请Lending tran sacti ons 贷款交易Letters of credit 信用证Leverage 财务杠杆率LIBOR伦敦同业拆借利率Lien留置Liquid assets 速动资产Liquidati on 清算Liquidati on expe nses 清算费Liquidity流动性Liquidity and worki ng capital 流动性与营运资金Liquidity ratios 流动比率Liquidity run 流动性危机Liquidity shortage 流动性短缺Loa n cove nants 贷款合约Loa n guara ntees 贷款担保Loa n prin cipal 贷款本金Loa n prin cipal repayme nts 贷款本金偿还Loa n review 贷款审查Lon don In ter-ba nk Offered Rate 伦敦同业拆借利率Long' term debt 长期负债Lon g-term funding 长期融资Lon g-term risk 长期风险Man ageme nt 管理层Margi nal le ndi ng 边际贷款Margi nal trade credit 边际交易信贷Market surveys 市场调查Marketi ng 市场营销Markets 市场Matchi ng con cept 配比原则Material adverse-cha nge clause 重大不利变动条款Maximum leverage level 最高财务杠杆率限制Measureme nt and judgme nt 计量与判断Measuri ng risk 风险计量Medium-term loa n 中期贷款Microcomputer modell ing 计算机建模Mi nimum curre nt ratio requireme nt 最低流动比率要求Mi nimum leverage ratio 最低举债比率Mi nimum net worth 最低净值Mi nimum n et-worth requireme nt 最低净值要求Mi nimum risk asset ratio 最低风险资产比率Mo ni tori ng activity 监管活动Mon itori ng credit 信用监控Mon itori ng customer credit limits 监管客户信贷限额Mon itori ng risks 监管风险Monitoring total credit limits 监管全部信贷限额Mon thly reports 月报Moody's debt rati ng 穆迪债券评级Mortgage 抵押mpr' oving balanee sheet 改善资产负债表Multiple diserim in ate an alysis多元分析Natio nal debt 国家债务NCI无信贷间隔天数Near-cash assets 近似于现金的资产Negative cash flow 负现金流量Negative net cash flow 负净现金流量Negative operatio nal cash flows 负的经营性现金流量Negative pledge 限制抵押Net book value 净账面价值Net cash flow 净现金流量Net worth test 净值测试New entrants 新的市场进人者No credit in terval 无信贷间隔天数Non-cash items 非现金项目Non-core bus in ess 非核心业务Non-operati onal items 非经营性项目Obta ining payme nt 获得支付On e-man rule 一人原则Open acco unt terms 无担保条款Operati ng leases 经营租赁Operat ing profit 营业利润Operatio nal cash flow 营性现金流量Operational flexibility ~ 营弹性Optimal credit 最佳信贷Order cycle 订货环节Ordi nary divide nd payme nts 普通股股利支付Organi zati on of credit activities 信贷活动的组织Overdue payme nts 逾期支付Over-tradi ng 过度交易Overview of accou nts 财务报表概览•Parent compa ny 母公司PAT税后利润Payme nt in adva nee 提前付款Payme nt obligati ons 付款义务Payme nt records 付款记录Payme nt score 还款评分PBIT息税前利润PBT息后税前利润百分比变动Performa nee bonds 履约保证Personal guara ntees 个人担保Pla nning systems 计划系统Pledge典押Poin ts-seori ng system 评分系统Policy setti ng 政策制定Political risk 政治风险Pote ntial bad debt 潜在坏账Pote ntial credit risk 潜在信用风险Pote ntial value 潜在价值Predicti ng corporate failures 企业破产预测Prefere nee divide nds 优先股股息Preferred stockholders 优先股股东Prelim inary assessme nt 预备评估Premiums 溢价Primary ratios 基础比率Prior charge capital 优先偿付资本Priority cash flows 优先性现金流量Priority for creditors 债权人的清偿顺序Priority payme nts 优先支付Product life cycle 产品生命周期Product market an alysis 产品市场分析Product range 产品范围Products 产品Professi onal fees 专业费用Profit利润Profit and loss acco unt 损益账户Profit margin 利润率Profitability 盈利能力Profitability man ageme nt 盈禾U能力管理Profitability ratios 盈利能力比率Promissory no tes 本票Property values 所有权价值Providers of credit 授信者Provisi on acco un ti ng 准备金会计处理Prude nee con cept 谨慎原贝UPublic in formatio n 公共信息Public relatio ns 公共关系Purpose of credit ratings 信用评级的目的Purpose of ratios 计算比率的目的Qualitative covenants 定性条款Quan titative cove nants 定量条款Query con trol 质疑控制Quick ratio 速动比率Rati ng exercise 评级实践Rat ing process for a compa ny Ratioan alysis 比率分析 Ratio an alyst weak nesses ~L Real in solve ncy 真实破产 Real sales growth 实际销售收入增长率Realization con cept实现原则Receivables 应收账款Recessi on 衰退Reduc ing debtors 冲减应收账款Reduc ing profits 冲减利润Reduc ing provisi ons 冲减准备金Reduc ing reported profits冲减账面利润 Reduci ng stocks 减少存货Registrar of Compa nies 企业监管局Regulatory risk 监管风险 Releas ing provisi ons 冲回准备金Relocati on expe nses 费用再分酉己Remi nder letters 催缴单Restrict ions on secured borrow ing 担保借款限制 Rete ntio n-of-title clauses 所有权保留条款Revenues 总收入Risk an alysis reports 风险分析报告Risk and ba nks 风险与银行Risk and compa nies 风险与企业Risk and Retur n 风险与回报Risk capital 风险资本 企业评级程序率分析的缺陷 Repayme nt on dema ndclause Replaceme nt of prin cipal Report of chairma n Reserve acco unting Residual cash flows Restrict ing bad debts即期偿还条款 偿还本金总裁/董事长报告准备金核算 剩余现金流量 限制坏账Risk-reward 风险回报Risk-weighted assets 风险加权资产ROCE资本收益率Romapla clauses 一手交钱一手交货"条款Sales销售额Seco ndary ratios 分解比率Secure methods of payme nt 付款的担保方式Secured assets 担保资产Secured creditors 有担保债权人Secured loa ns 担保贷款Securities and Excha nge Commissi on （美国）证券交易委员会Security guara ntees 抵押担保Security of payme nt 付款担保Security gen eral prin ciples 担保的一般原贝USegme ntati on 纟田分Setti ng and polici ng credit limits 信用限额的设定与政策制定Settleme nt discou nt （提前）结算折扣Settleme nt terms 结算条款Share price 股价Short-term borrow ing 短期借款Short-term creditors 短期负债Short-term liabilities 短期债务Short-termism 短期化SIC常务诠释委员会Signi fica nee of work ing capital 营运资金的重要性Sin gle credit customer 单一信用客户Si ngle ratio an alysis 单一比率分析Size of credit risk 信用风险的大小Slow stock turnover 较低的存货周转率Sources of assessme nts 评估信息来源Sources of credit in formati on 信用信息来源Sources of risk 风险来源Sovereig n rat ing 主权评级Specialist age ncies 专业机构Specific debt issue 特别债券发行Speculative 投机性Speculative grades 投机性评级Split rating 分割评级Spot rate 现价（即期比率）Spreadsheets 电子数据表Staff redu nda ncies 员工遣散费Stan dard and Poor 标准普尔Standard security clauses 标准担保条款Sta ndard&Poor's 标准普尔Stan dby credits 备用信用证Standing In terpretati ons Committee 证券交易委员会Sta ndi ng starti ng credit limits 持续更新信用限额Statistical an alysis 统计分析Statistical tech niq ues 统计技巧Status reports （企业）状况报告Stock valuatio ns 存货核算Stocks股票Straight line depreciati on method 直线折旧法Strategic positi oning 战略定位Suplus assets 盈余资产Suplus rati ng 盈余评级Supplier power 供应商的力量Supply chain 供应链Support rati ng 支持评级Swap agreeme nt 换合约Swaps 互换SWOT an alysis SWOT 分析Symptoms of failure questi onn aires 企业破产征兆调查表Takeovers 收购Tax payme nts 税务支付Tech ni cal in solve ncy 技术破产Tech no logy and cha nge 技术进步Term loan 定期贷款Term of borrow ing 借款期限Third party guara ntees 第三方担保Tier 1 capital 一类资本Tier 2 capital 二类资本Total credit limit 整体信用限额Total curre nt assets 流动资产总额Trade compa nies 贸易企业Trade credit 商业信用Trade creditors 应付账款Trade cycle 商业循环Trade cycle times 商业循环周期Trade debt 应收账款Trade debtors 贸易债权人Trade In dem nity 贸易赔偿Trade refere nces 贸易参考Trade-off 协定Tradi ng outlook 交易概况Trad ing profit 营业利润Traditio nal cash flow 传统现金流量Usefu In ess of liquidity ratios Uses of cash 现金的使用 Using bank risk in formati on Using finan cial assessme nts Usi ng ratios 财务比率的运用 Using rete nti on-o f-titleclauses Value cha in 价值链 Value of Z scores Z Variable costsVariable in terest 可变利息Variety of financial ratios 财务比率的种类 Vetti ng procedures 审查程序Volatitle revenue dyn amic 收益波动Volume of sales 销售量Warni ng sig ns of credit risk 信用风险的警示 Work ing assets 营运资产work ing capital 营运资本Worki ng capital chan ges 营运资本变化额 Worki ng capital man ageme nt 营运资本管理 worki ng capitalratios 营运资本比率 Write-dow ns 资产减值Write-offs 勾销Z score assessme nts Z 值评估z score models z 值模型Z scores z 值Z scoring Z 值评分系统 Triple A 三 AUCP 跟单信用证统一惯例Un covered divide nd Un iform Customs&Practice Un paid in voice s 未付款发票 Unsecured creditors 未保障的股利 跟单信用证统 未担保的债权人 惯例 流动性比率的作用 使用银行风值模型的价值 变动成本。
2.【词汇】-银行业务中英翻译(共32页)
英语词汇银行业务一般业务ATM:n.自动柜员机automatic bill payment:自动转帐服务balance:n.余额；差额bank account:银行账户bank holiday:银行公休日；国定假日banking:n.银行业务banknote:n.纸币；钞票certificate of deposit:定期存款checking account:支票存款账户deposit:n.存款discount rate:重贴现率Individual Retirement Account:个人退休账户interest:n.利息safe-deposit box:(银行)保险箱savings account:储蓄存款账户signature:n.签名teller:n.(银行)出纳员transfer:v.转帐wire:v.汇款withdraw:v.提款商务英语词汇办公室：影印enlarge:v.放大jam:v.卡纸lighten:v.变淡make a copy of:影印一份……original:n.原稿percentage:n.百分比reset:n.重新设定scroll down:向下卷动size:n.大小；尺寸smudge:n.脏污streak:n.刮痕toner:n.碳粉two-sided:a.双面的warm-up time:热机时间商务英语词汇保险：保单compulsory:a.强制性的coverage:n.承保范围expiration:n.期满；截止insurance:n.保险insurer:n.保险公司personal liability:个人责任险policy:n.保单policyholder:n.投保人premium:n.保险费renew:v.更新；续(约)rider:n.附加条款waiver:n.免责险商务英语词汇银行业务：消费金融00:03.81]cancel:v.停(卡)cash card:现金卡collateral:n.抵押品；担保品credit card:信用卡credit limit:信用额度credit rating:信用评等debit card:签帐卡debt consolidation:负债整合default:n.违约freeze:v.冻结(账户)installment:n.分期付款loan:n.贷款minimum finance charge:每月最低应缴金额mortgage:n.房贷；抵押借款statement:n.账单明细outstanding:a.未清偿的；未付清的refinance:v.重新贷款商务英语词汇业务：商务餐会business dinner:商业晚餐dessert:n.甜点discussion:n.讨论etiquette:n.礼仪follow up:后续追踪hospitality:n.殷情招待host:v.主持invitation:n.邀请luncheon:n.午餐宴pick up the tab:付帐rain check:改期reception:n.招待会；欢迎会schedule:v.安排；预定toast:v.提议为……干杯商务英语词汇业务：交货Carriage Paid To(CPT):运费付至……consignee:n.收件人delayed delivery:延期交货Delivered Duty Paid(DDP):完税后交货Delivered Ex Ship(DES):目的港船上交货delivery date:交货日期delivery order(D/O):到港通知express mail:快递Free On Board(FOB):船上交货packing list:装箱单；送货明细weight(WT):n.重量Ex Works(EXW):工厂交货价商务英语词汇业务：电子商务buy-it-now price:直接购买价community:n.社群consumer base:消费群e-commerce:n.电子商务feedback:n.意见回馈fraud:n.骗局；诈骗max out:刷爆online auction:网络拍卖place a bid:投标；出价platform:n.平台product catalog:产品目录reserve price:底价transaction:n.交易vendor profile:卖家简介商务英语词汇行销：行销企划competition:n.竞争；竞争对手customer base:顾客群distribution:n.经销；配销market research:市场研究market survey:市场调查marketing budget:营销预算marketing plan:营销计划marketing strategy:营销策略potential client:潜在客户pricing strategy:定价策略respondent:n.受访者retailer:n.零售商sposorship:n.赞助supplier:n.供货商target market:目标市场商务英语词汇行销：广告宣传billboard:n.广告广告牌come on the market:上市commercial:n.电视广告exposure:n.曝光(率)eye-catching:a.引人注目的Internet ad:网络广告media:n.媒体print ad:平面广告slogan:n.标语；口号theme:n.主题trademark:n.商标user-friendly:a.使用方便的商务英语词汇投资：债券bond rating:债券评等convertible bond:可转换债券government bond:政府债券junk bond:垃圾债券medium-term note:中期债券par value:面值premium:n.溢价redeem:v.赎回T-Note(Treasury note):中期国库券underwriter:n.(股票、债券等的)承销公司；承销商yield:n.收益商务英语词汇投资：股市investor:n.投资人，投资方analyst:n.分析师anticipation:n.预期asking price:卖价bear market:熊市bellwether:n.指标证券；指标股blue-chip:a.蓝筹股的bottom out:止跌回稳decline:v.下跌dividend:n.股利EPS(earnings per share):每股盈余individual investor:散户insider trading:内线交易IPO(initial public offering):首次公开发行jump:v.快速大幅上涨limit up:涨停板make a profit:获利margin trading:信用交易mixed:a.涨跌互见的online trading account:在线交易账户OTC market:店头市场peak:n.顶点；高点plunge:v.快速大幅下跌portfolio:n.投资组合pullback:n.拉回quarterly report:季报rally:v.扬升rebound:n.反弹[01:01.06]record high:历史新高[01:03.12]run up:走高[01:04.84]SEC(Securities and Exchange Commission):证券管理委员会[01:08.63]share price:股价[01:10.74]sink:v.向下探底[01:12.39]soar:v.飙涨[01:14.01]stay on the sidelines:退场观望[01:16.57]stock market:股市[01:18.63]stock split:股票分割[01:20.69]stockbroker:n.股票经纪人[01:22.84]TAIEX(Taiwan Stock Exchange Stock Index):台湾证券交易股价指数[01:27.51]trading volume:交易量[01:29.73]undervalue:v.低估商务英语词汇通讯：电子邮件attachment:n.附加檔capacity:n.容量CC(carbon copy):副件抄送delete:v.删除download:v.下载e-mail:v.寄电子邮件forward:v.转寄junk mail:垃圾邮件mailbox:n.邮件信箱recipient:n.收件者reply:n.回复salutation:n.称谓subject:n.主旨商务英语词汇通讯：传真cover sheet:封面页face down:正面朝下fax machine:传真机incoming:a.传进来的paper jam:卡纸refill:v.再装填resolution:n.分辨率scan:v.扫描商务英语词汇谈判：合约alliance:n.结盟；联盟amend:v.修改；修订attorney:n.律师beneficial:a.受益的；有利的breach:n.违反；侵害clause:n.条款commit:v.承诺；保证compromise:v.妥协；让步contract:n.合约deadlock:n.僵局dotted line:(尤指文件签名处之)点线；虚线draft:n.草稿；草案negotiator:n.谈判者；磋商者party:n.(契约)当事人；一方resume:v.重新开始terminate:v.终止；终结terms and conditions:交易条款timetable:n.时间表商务英语词汇税务：税务事宜alimony:n.赡养费corporate tax:企业税direct tax:直接税excluding tax:不含税gift tax:赠与税income tax:所得税inheritance tax:遗产税IRS(Internal Revenue Service):美国国税局progressive taxation:累进课税tax break:减税优惠tax increase:增税tax reform:税务改革tax revenue:税收taxation:n.课税；征税taxpayer:n.纳税人商务英语词汇社交：闲谈alumni reunion:同学会ballad:n.抒情歌曲bargain:n.廉售品，特价品bathing suit:泳衣box office:票房，售票亭check-up:n.健康检查clear up:放晴college:n.大学comedy:n.喜剧compare:v.比较divorce:v.离婚domestic car:国产车economic:a.经济的fitness:n.健康；健美flu:n.流行性感冒haircut:n.理发hangover:n.宿醉horror movie:恐怖片humid:a.潮湿的illness:n.疾病in shape:身体健康injury:n.伤害insomnia:n.失眠jazz:n.爵士乐keep fit:保持健康kilometer:n.公里lifestyle:n.生活方式low-fat:a.低脂的married:a.已婚的MSN:实时通讯on a diet:节食[01:01.29]on a roll:大为成功，连番上涨[01:03.14]overcast:a.阴暗的，阴天的[01:05.08]pop:a.流行的[01:06.70]romance movie:浪漫爱情片[01:08.84]sci-fi(science fiction):科幻小说[01:11.66]single:a.单身的[01:13.38]sky-high:a.极高的[01:15.45]Skype:n.网络电话[01:17.20]sober colors:素色[01:19.36]splitting headache:偏头痛[01:21.69]stick shift:(车子的)排档[01:23.67]stomachache:n.胃痛[01:25.66]suffocating:闷热的[01:27.75]tension:n.紧张[01:29.42]twin:n.双胞胎[01:31.06]typhoon:n.台风[01:32.89]under the weather:不舒服[01:34.85]used car:二手车[01:36.83]vacation:n.假期[01:38.71]vegetarian:n.素食者[01:40.73]work out:运动商务英语词汇社交：谈工作vdepartment:n.部门freelance:a.无契约限制的immediate boss:直属上司in charge:负责in line for:很有可能得到lecture:n.责备；训斥line of work:行业nine to five:朝九晚五orientation:n.新进员工训练pressure:n.压力quit:v.辞职raise:n.加薪retirement:n.退休rush hour:尖峰时间specialize:v.专攻work for:在……上班；为……工作商务英语词汇人资：人事异动business trip:出差glass ceiling:玻璃天花板；女性升迁障碍headhunter:n.猎人头公司job-hopping:n.跳槽lay off:解雇；裁员promotion:n.升职relocate:v.调职reshuffle:v.改组；改革；洗牌resignation:n.辞职retirement:n.退休sex discrimination:性别歧视successor:n.继任者；继承人suspension:n.停职turnover rate:流动率；离职率商务英语词汇人资：面试annual leave:年假background:n.背景；经历career:n.职业；生涯compensation:n.报酬；津贴；薪水competent:a.能干的；有能力的describe:v.描述employee number:员工编号evaluate:v.考核experience:n.经验full-time:a.全职的hardworking:a.工作勤奋的health insurance:健康保险hire:v.雇用hiring criteria:录取标准interviewee:n.面试者；受访者overtime:n.加班\performance:n.表现picture:v.描绘；想象position:n.职务；职位probationary period:试用期proficient:a.精通的qualified:a.有资格的；能胜任的report to:直属responsible:a.有责任的；应负责任的resume:n.履历表skill:n.技能；技术strong point:优点supervisor:n.主管title:n.职称[01:00.14]travel:n.出差；出外营销[01:01.92]working hours:工作时间商务英语词汇企业组织：企业简介branch office:分公司company profile:公司概况core business:核心事业corporation:n.公司，企业found:v.创立headquarters:n.总公司joint venture:合资企业limited liability:有限责任listed company:上市公司market capitalization:市价总值merger:n.合并nonprofit:a.非营利的state-run enterprise:国营企业subsidiary:n.子公司商务英语词汇企业经营：办公室流程coworker:n.同事dress code:服装规订escort:v.陪同inventory:n.库存meeting room:会议室punch in:上班打卡receptionist:n.柜台人员；接待人员requisition form:需求单security guard:保全人员security system:保全系统shredder:n.碎纸机stockroom:n.储藏室swipe card:刷卡商务英语词汇客服：客户投诉break down:故障claim:n.(保险)理赔；费用申请complaint:n.抱怨；不满criticism:n.批评defective:a.瑕疵的；有缺陷的feedback:n.意见反映improve:v.改进；改善invalid:a.无效的price list:价目表product quality:产品质量purchase:n.购买refund:n.退费replacement:n.更换warranty:n.保固商务英语词汇经济：经济趋势economic fluctuation:经济波动inflation:n.通货膨胀lagging indicator:落后指标optimistic:a.乐观的outlook:n.展望recession:n.景气衰退recovery:n.复苏stagnant:a.停滞的turnaround:n.(营业、经济等的)突然好转商务英语词汇经济：国际经济00:03.81]bailout:n.紧急援助creditor nation:债权国developed country:已开发国家emerging market:新兴市场European Union:欧盟G10:十大工业国globalization:n.全球化IMF:国际货币基金sanction:n.制裁summit:n.高峰会World Bank:世界银行WTO:世贸组织商务英语词汇简报：使用图表attention:n.注意compared to:与……相比erratic:a.不稳定的；无规律的figure:n.数字fluctuate:v.波动；震荡level out:持平make up:占了；凑足pick up:(销售等)开始好转、增加plateau:n.(上升后的)稳定水平(或时期) share:n.占有率sliver:n.薄片transparency:n.投影片商务英语词汇会议：会前announce:v.宣布chairman:n.主席conference room:会议室document:n.文件equipment:n.设备formal:a.正式的location:n.地点meeting notice:会议通知participate:v.参加reschedule:v.重新安排商务英语词汇国际贸易：外汇currency:n.货币，通货devalue:v.贬值downward:a.下降的，向下的exchange rate:汇率float:v.浮动fluctuation:n.变动，波动foreign exchange:外汇foreign exchange loss:汇兑损失in dollar terms:以美元换算intervention:n.干预；介入peg:n.连动；紧盯(某货币) purchasing power parity:购买力平价selling pressure:卖压volatile:a.不稳定的；易波动商务英语词汇国际贸易：进出口customs duty:关税duty-free:a.免税的export:n.出口import ban:进口禁令import restriction:进口限制import substitution:进口替代non-tariff barrier:非关税壁垒quarantine:n.检疫；隔离quota:n.配额smuggling:n.走私商务英语词汇产业：生产制造assembly line:装配线automated:a.自动化的breakthrough:n.突破capacity utilization:产能利用component:n.零件electronics:n.电子产品farm produce:农业产品global warming:全球暖化high-tech industry:高科技产业labor-intensive:a.劳力密集的manufacturing:n.制造mass production:大量制造offshoring:n.产业外移outsource:v.外包power failure:停电production capacity:产能production process:生产流程recycling:n.回收；再生semiconductor:n.半导体service industry:服务业waste disposal:废弃物处理商务英语词汇财务与会计：资产负债表accumulated depreciation:备抵折旧asset:n.资产balance sheet:资产负债表contributed capital:实缴股本fixed asset:固定资产liability:n.负债notes payable:应付票据prepaid expense:预付款项retained earnings:保留盈余stockholders'equity:股东权益商务英语词汇办公室：使用电脑back up:备份bookmark:v.加入书签browser:n.浏览器crash:v.当机defragment:v.磁盘重整down:a.挂了；无法运作filename:n.檔名folder:n.档案夹graphics file:图档hard drive:硬盘input method:输入法install:v.安装key combination:组合功能键log on:登入memory:n.内存offline:a.离线的online:a.联机的pop up:突然出现；跳出来power button:电源按钮；电源键restart:v.重新开机search:n.搜寻update:v.更新virus:n.病毒wizard:n.高手；奇才商务英语词汇办公室：整理文件00:03.81]drawer:n.抽屉filing cabinet:档案柜flip through:以指头轻触搜寻label:v.贴上标签paper clip:回形针paper punch:钉孔机sleeve:n.(透明)档案夹staple:v.用订书机装钉staple remover:钉书针移除器商务英语词汇保险：保险给付coinsurance:n.共同保险(金)compensation:n.赔偿co-payment:n.定额手续费deductible:n.自负额escape clause:免责条款exclusion:n.排除给付out-of-pocket:a.自掏腰包的payout:n.保险给付额validity:n.正当性；有效性商务英语词汇财务与会计：企业资源规划00:03.81]big bang approach:全面导入法cash flow:现金流量custom-made:a.客制的ERP:企业资源规划(EnterpriseResourcePlanning)financial statement:财务报表franchising strategy:分点推广法GAAP(generally accepted accounting principles):公认会计原则integrated:a.整合的slam dunk approach:强力置入法商务英语词汇银行业务：票据cashier's check:本票check:n.支票clearing house:票据交换所；清算所endorse:v.背书financial institution:金融机构mature:v.(定存、票据等)到期money order:汇票paycheck:n.薪资支票stop payment:止付postdated check:远期支票traveler's check:旅行支票商务英语词汇业务：洽谈业务bulk order:大量订购commission:n.佣金competitive edge:竞争优势deal:n.交易hot seller:畅销品；热卖商品in stock:库存lead time:交货期(从订货到取货所需的时间) market share:市场占有率product line:产品线proceeds:n.净收入；净所得(此义恒作复数) quantity discount:大量订购折扣quotation:n.报价单sales pitch:营销辞令；营销手法specs(specifications):n.规格swear by:保证；强力推荐商务英语词汇业务：付款条件cash discount:现金折扣consignment:n.寄售(货品卖出才付款) direct deposit:直接汇款extend:v.展延open account:记帐交易payment in advance:预先付款refundable:a.可退还的shipment:n.装运；装载的货物wire transfer:电汇转帐商务英语词汇业务：出差baggage claim:行李提领处baggage handler:行李搬运员boarding pass:登机证business suite:商务套房carry-on luggage:随身行李Immigration:n.入境管理处；移民itinerary:n.行程表jet lag:时差不适on business:出差；洽公R&R(rest and relaxation):休息放松reconfirm:v.再确认reservation:n.订位room service:客房服务stipend:n.津贴switch flights:转机travel agent:旅行代办员；旅行社业务商务英语词汇行销：商展bottom line:结余；结算bundle:n.搭售商品convention:n.(专业)展览会demonstration:n.展示entrance:n.入口go with:选择；决定采用high traffic:a.高流量的marketing material:营销材料;宣传品sign:n.标志trade show:商展turnout:n.出席者；参观人数visible:a.显眼的商务英语词汇投资：基金与其他bond fund:债券型基金closed-end fund:封闭型derivative:n.衍生商品equity fund:股票型基金fund manager:基金经理人futures:n.期货hedge fund:避险基金index fund:指数型基金leverage:n.杠杆management fee:管理费mutual fund:共同基金offshore fund:海外基金option:n.选择权REIT(Real Estate Investment Trust):不动产投资信托基金trust:n.信托warrant:n.认股凭证商务英语词汇通讯：邮件fragile:a.易碎的mail order:邮政划拨mailman:n.邮差parcel:n.包裹postage:n.邮资postmark:v.邮戳printed matter:印刷品registered letter:挂号信return address:寄件人地址sender:n.寄件者zip code:邮政编码商务英语词汇通讯：电话英语call waiting:电话插拨caller ID:来电显示器cell phone:手机cold call:陌生电访；主动以电话推销商品cordless:a.无线的dial tone:拨号音directory assistance:查号服务extension:n.分机号码long-distance call:长途电话payphone:n.公共电话receiver:n.电话筒reception:n.收讯；接收telemarketing:n.电话营销text message:简讯toll-free:a.免付费的touch-tone phone:按键式电话transfer:v.转接voicemail:n.语音信箱wrong number:打错电话商务英语词汇谈判：议价affordable:a.负担得起的bargain:v.议价discount:n.折扣going rate:现行价格；现在行情in bulk:大量outrageous:a.荒唐的；骇人听闻的preferential price:优惠价格price war:价格战；削价竞争profit margin:毛利(率) profitable:a.有利润的；有赚头的quantity:n.数量；数额quote:n.报价reflect:v.反映throw in:外加；额外赠送商务英语词汇谈判：代理权allowance:n.折让；备抵distribute:v.经销；代理distribution network:经销网distributorship:n.代理权；经销权exclusive:a.独家的hammer out:敲定minimum:a.最低的normally:adv.通常；一般情形null and void:(法律上)无效的third party:第三方written consent:书面同意书商务英语词汇税务：报税charitable donation:慈善捐款deduction:n.扣除；扣除额dependent:n.被抚养人e-filing:n.网络报税exemption:n.免税额filing status:报税身分head of household:户长married filing separately:已婚分报return:n.退税；收益tax arrears:欠税，滞纳税金tax credit:税款扣抵额tax evasion:逃(漏)税tax return:报税单tax saving:节税unearned income:非劳动收入商务英语词汇社交：谈休闲badminton:n.羽毛球belly dance:肚皮舞bowl:v.打保龄球ceramics:n.陶艺Chinese checkers:n.跳棋concert:n.音乐会；演奏会couch potato:老是坐在沙发上看电视的懒骨头craft:n.手工艺DIY(Do It Yourself):自己动手作flea market:跳蚤市场foot massage:脚底按摩free time:休闲时间golf:n.高尔夫球green thumb:擅长园艺gym:n.健身房hobby:n.嗜好jigsaw puzzle:拼图游戏jog:v.慢跑knitting:n.编织leisure activity:休闲活动movie theater:电影院night market:夜市outdoor:a.户外的；喜欢户外活动的outing:n.远足，郊游pastime:n.消遣，娱乐photography:n.摄影pool:n.撞球resort:n.度假村，旅游胜地rock climbing:攀岩sauna:n.蒸汽浴[01:01.65]snorkeling:n.浮潜[01:03.56]soccer:n.足球[01:05.33]sports:n.运动[01:07.24]sunbathe:v.作日光浴[01:09.07]suntan:n.晒黑[01:10.92]surf the Internet:上网[01:13.19]surfing:n.冲浪[01:14.92]table tennis:桌球[01:17.01]tai chi:太极[01:18.97]tap dance:踢踏舞[01:20.95]tennis:n.网球[01:22.65]theme park:主题乐园[01:24.58]valet service:泊车服务商务英语词汇社交：接待访客briefing:n.简报business card:名片comfortable:a.舒适的；自在的demonstration:n.展示expect:v.等待impress:v.使……留下深刻印象interpreter:n.翻译员introduce:v.介绍overseas visitor:外宾pick up:接送reception desk:接待处；柜台see off:送机tour:n.参观；游览welcoming party:欢迎派对商务英语词汇人资：人事管理break:n.(短暂)休息时间bulletin board:公布栏company policy:公司政策effective:a.生效的；有效力的incentive program:奖励制度leave of absence:事假on-the-job training:在职训练seniority:n.资历；资深sexual harassment:性骚扰sick day:有给薪病假take over:接替；接管temp:n.临时雇员商务英语词汇企业组织：组织架构CEO:n.执行长chief of staff:人事总务主管counselor:n.顾问division:n.事业部entrepreneur:n.企业家executive:n.高阶主管human resources:人力资源jurisdiction:n.管辖范围leadership:n.领导sales representative:业务代表，业务员商务英语词汇企业经营：经营管理assignment:n.分派；任务audit:n.稽查；稽核authority:n.权限bankruptcy:n.破产corner the market:垄断市场corporate culture:企业文化development:n.发展；开发diversify:v.多角化;多样化downsize:v.缩编innovation:n.创新merger:n.合并；并购operation:n.营运risk:n.危机；风险strategy:n.策略subordinate:n.下属track record:绩效纪录商务英语词汇客服：售后服务assemble:v.聚集，组装customer satisfaction:客户满意(度) customer service hotline:客服热线defer payment:延后付款delivery:n.递送installation:n.安装long-standing:a.长期的manual:n.使用手册membership:n.会员身分，会员资格model number:型号part missing:缺零件place order:下订单receipt:n.收据subscribe:v.订购商务英语词汇经济：经济学用语bubble economy:泡沫经济current account:经常帐deficit:n.赤字；逆差domestic demand:国内需求economic growth:经济成长economic statistics:经济统计export-oriented economy:出口导向经济foreign exchange reserve:外汇存底GDP:n.国内生产毛额index:n.指数indicator:n.指标liberalization:n.自由化macroeconomics:n.总体经济学market economy:市场经济standard of living:生活水平undersupply:n.供给不足商务英语词汇经济：国内经济budget bill:预算案budget deficit:预算赤字economic policy:经济政策economic reform:经济改革electricity:n.电力infrastructure:n.基础建设investment environment:投资环境monetary policy:货币政策real estate:房地产subsidy:n.补助，补贴unemployment rate:失业率商务英语词汇简报：作简报come down to:最重要的是conclude:v.作总结condition:v.影响；调整divide:v.分成；分开forecast:n.预测fruits of(one’s)labor:努力的成果goal:n.目标；目的handout:n.讲稿；讲义keep up the good work:好好继续保持make it big:大获成功overview:n.概观；大要reverse:v.反转；逆转revolutionary:a.革命性的running:adv.连续地selling point:卖点team up with:与……合作total sales:总销售额video:n.影片wrap up:完成；结束商务英语词汇会议：会中brainstorm:v.脑力激荡clarify:v.澄清debate:n.辩论disagree:v.不同意elaborate:v.详述；详加说明finalize:v.完成；敲定fire away:尽管说；尽管问吧floor:n.发言权input:n.(建设性的)意见、评论interrupt:v.打断；插嘴motion:n.临时动议nominate:v.提名objective:n.目的pick someone’s brain:听取意见或建议point fingers:(轻蔑地)指责pros and cons:利弊得失reconvene:v.再召开；再召集resolution:n.(会议等的)决议summarize:v.摘要；扼要说明table:v.搁置unanimous:a.一致同意的；无异议的you’re up:该你了；轮到你了商务英语词汇会议：会后consensus:n.(意见等的〉一致；共识decision:n.决定；裁决get down to business:开始办正事implement:v.实施；执行minutes:n.会议记录postpone:v.延期tie up loose ends:处理枝节问题unresolved:a.未解决的商务英语词汇国际贸易：贸易barrier:n.障碍bilateral:a.双边的boycott:v.抵制dumping:n.倾销free trade:自由贸易Normal Trade Relations:正常贸易关系protectionism:n.保护主义trade agreement:贸易协议trade friction:贸易磨擦trade imbalance:贸易不均衡trade surplus:贸易出超trade talk:贸易会谈商务英语词汇国际贸易：货运cash on delivery:货到付款delay:v.延迟free on board:船上交货ground delivery:海陆运输letter of credit:信用状lump sum:一次付清Net30:货到后三十日付款net weight:净重pallet:n.(装卸、搬运货物用的)货板rush order:紧急订单；急件shipment:n.货运物；货运商务英语词汇产业：品管batch:n.一批glitch:n.缺失inspection:n.检查leave out:遗漏QC history:品管记录QC procedure:品管流程quality standard:质量标准random sampling:随机抽样recall:v.回收reject:v.拒收；退回simulation test:模拟测试商务英语词汇财务与会计：损益表beginning inventory:期初存货cost of goods sold:销货成本depreciation:n.折旧distribution:n.配销freight:n.运费gross margin:毛利income statement:损益表net income:净损益，净收入net sales:销货净额operating expense:营业费用sales revenue:销货收入志士不饮盗泉之水，廉者不受嗟来之食。
外贸中与银行业务有关英语词汇
外贸中与银行业务有关英语词汇应付帐||应付未付帐account payable应收帐||应收未收帐account receivable新交易||新帐new account未决帐||老帐old account现金帐cash account流水帐running account暂记帐||未定帐suspense account过期帐||延滞帐overdue account||pastdue account杂项帐户sundry account详细帐单||明细表detail account会计报表statement of account往来帐目account current现在往来帐||存款额current accout销货帐account sales共同计算帐项joint account未决帐项outstanding account贷方帐项credit account||creditor account借方帐项debit account||debtor account呆帐bad account会计项目title of account会计薄||帐薄account-book营业报告书||损益计算表account of budiness||business report 借贷细帐||交验帐account rendered明细帐account stated与... 银行开立一户头to open an account with与... 银行建立交易to keep account with继续记帐to keep account与... 有交易to have an account with作成会计帐||有往来帐项to make out an account with清算||清理债务to make up an account清洁帐目||与... 停止交易to close one's account with结帐to close an account清理未付款to ask an account||to demand an account结清差额to balance the account with清算to settle an account||to liquidate an account||to square an account审查帐目||监查帐目to audit an account检查帐目to examine an account转入A的帐户to charge the amount to A's account以计帐方式付款to pay on account代理某人||为某人on one's account||on account of one为自己计算||独立帐目on one's own account由某人收益并负风险on one's account and risk||for one's account and risk由某人负担for one's account||for account of one按某人指示||列入某人帐户by order and for account of one列入5月份帐目for May account编入某中帐项下to pass to the account of||to place to the account of 寄出清算书to send in an account||to send in render an account 支票用语支票薄cheque book支票陈票人cheque drawer持票人cheque holder不记名支票cheque to bearer||bearer cheque记名支票||认人支票cheque to order到期支票antedated cheque未到期支票postdated cheque保付支票certified cheque未获兑现支票，退票returned cheque横线支票crossed cheque普通横线general crossing特别横线special crossing空白支票blank cheque失效支票，过期支票stale cheque普通支票open cheque打10%折扣的10000元支票，(即9000元) a cheque for $10,000, less 10% discount 加10%费用的10000元支票，(即11000元) a cheque for $10,000, plus 10% charges 支票换现金||兑现to cash a cheque清理票款to clear a cheque保证兑现to certify a cheque填写支票数额to fill up a cheque支票上划线to cross a cheque开发支票to make out a cheque签发支票，开立支票to draw a cheque||to issue a cheque透支支票to overdraw a cheque背书支票to endorse a cheque请付票款||清付票款to pay a cheque||to honour a cheque支票退票to dishonour a cheque拒付支票to refuse a cheque拒付支票to stop payment of a cheque提示要求付款to present for payment见票即付持票人payable to bearer支付指定人payable to order已过期||无效out of date||stale请给出票人R/D||refer to drawer存款不足N/S||N.S.F.||not sufficient funds||I/F||insufficient funds 文字与数字不一致words and figures differ支票交换时间已过account closed更改处应加盖印章alterations require initials交换时间已过effects not cleared停止付款payment stoppedcheque mutilated汇款用语汇款||寄钱to remit||to send money寄票供取款||支票支付to send a cheque for payment 寄款人a remitter收款人a remittee汇票汇单用语国外汇票foreign Bill国内汇票inland Bill跟单汇票documentary bill空头汇票accommodation bill原始汇票original bill改写||换新票据renewed bill由于存款不足而退票dihonour by non-payment提交presentation背书endorsement||indorsementgeneral endorsement||blank endorsement记名式背书special endorsement||full endorsement附条件背书conditional endorsement限制性背书restrictive endorsement无追索权背书endorsement without recourse期满||到期maturity托收collection新汇票||再兑换汇票re-exchange||re-draft外汇交易exchange dealing||exchange deals即期汇票sight bill||bill on demand... days after date||... days' after date ... 日后付款... months after date||... months' after date ... 月后付款见票后... 日付款... days' after sight||... days' sight见票后... 月付款... months' after sight||... months' sight同组票据set of bills单张汇票sola of exchange||sole of exchange远期汇票usance bill||bill at usance长期汇票long bill短期汇票short bill逾期汇票overdue bill宽限日期days of grace电汇telegraphic transfer (T.T)邮汇postal order||postal note (Am.)||post office order||money order本票promissory note (P/N)押汇负责书||押汇保证书letter of hypothecation副保||抵押品||付属担保物collateral security担保书trust receipt||letter of indemnity承兑||认付acceptance单张承兑general acceptance有条件承兑qualified acceptance附条件认付conditional acceptance部分认付partial acceptance拒付||退票dishonour拒绝承兑而退票dishonour by non-acceptance汇兑合约exchange contract汇兑合约预约forward exchange contract外汇行情exchange quotation交易行情表course of exchange||exchange table 汇价||兑换率exchange rate||rate of exchange官方汇率official rate挂牌汇率||名义汇率nominal rate现汇汇率spot rate电汇汇率||电汇率||T.T. rate||telegraphic transfer rate 兑现率||兑现汇率demand rate长期汇率long rate私人汇票折扣率rate on a private bill远期汇票兑换率forward rate套价||套汇汇率||裁定外汇行情cross rate付款汇率pence rate当日汇率||成交价currency rate套汇||套价||公断交易率arbitrage汇票交割||汇票议付negotiation of draft交易人||议付人negotiator票据交割||让与支票票据议付to negotiatie a bill折扣交割||票据折扣to discount a bill票据背书to endorse a bill应付我差额51,000美元a balance due to us of $51,000||a balance in our favour of $ 51,000支付部分货款||分批付款payment in part||part payment||partial payment记帐付款||会计帐目内付款payment on account定期付款payment on term年分期付款annual payment月分期付款monthly payment||monthly instalment延滞付款payment in arrear预付货||先付payment in advance||prepayment收到汇款to receive remittance填写收据to make out a receipt付款用语付款方法mode of payment现金付款payment by cash||cash payment||payment by ready cash 以支票支付payment by cheque以汇票支付payment by bill以物品支付payment in kind付清||支付全部货款payment in full||full payment延付货款deferred payment立即付款prompt payment||immediate payment暂付款suspense payment延期付款delay in payment||extension of payment支付票据payment bill名誉支付||干与付款payment for honour||payment by intervention结帐||清算||支付settlement分期付款instalment滞付||拖欠||尾数款未付arrears特许拖延付款日days of grace保证付款del credere付款to pay||to make payment||to make effect payment结帐to settle||to make settlement||to make effect settlement||to square||to balance支出||付款to defray||to disburse结清to clear off||to pya off请求付款to ask for payment||to request payment恳求付帐to solicit payment拖延付款to defer payment||to delay payment付款被拖延to be in arrears with payment还债to discharge迅速付款to pay promptly付款相当迅速to pay moderately well||to pay fairly well||to keep the engagements regularly付款相当慢to pay slowly||to take extended credit付款不好to pay badly||to be generally in arrear with payments付款颇为恶劣to pay very badly||to never pay unless forced拒绝付款to refuse payment||to refuse to pay||to dishonour a bill相信能收到款项We shall look to you for the payment||We shall depend upon you for the payment ||We expect payment from you惠请付款kindly pay the amount||please forward payment||please forward a cheque.我将不得不采取必要步骤运用法律手段收回该项货款I shall be obliged to take the necessary steps to legally recover the amount. ||I shall be compelled to take steps to enforce payment.惠请宽限let the matter stand over till then.||allow me a short extension of time. ||Kindly postpone the time for payment a little longer.索取利息to charge interest附上利息to draw interest||to bear interest||to allow interest生息to yield interest生息3%to yield 3%存款to deposit in a bank||to put in a bank||to place on deposit||to make deposit在银行存款to have money in a bank||to have a bank account||to have money on deposit向银行提款to withdraw one's deposit from a bank净价||最低价格付现net cash现金付款ready cash即期付款spot cash||cash down||cash on the nail凭单据付现款cash against documents凭提单付现款cash against bills of lading承兑交单documents against acceptance (D/A)付款交单documents against payment (D/P)换取现金to convert into money||to turn into cash||to realize折扣用语从价格打10%的折扣to make a discount of 10% off the price||to make 10% discount off the price打折扣购买to buy at a discount打折扣出售to sell at a discount打折扣-让价to reduce||to make a reduction减价to deduct||to make a deduction回扣to rebate现金折扣cash discount货到付款||现金提货cash on deliver (C.O.D.)货到付现款cash on arrival即时付款prompt cash折扣例文除非另有说明, 30日后全额付现, 如有错误, 请立即通知。
银行业务 英语
银行业务的英语表达银行业务是指银行为客户提供的各种金融服务，包括存款、贷款、汇款、结算、理财、保险等。
银行业务是经济活动中不可或缺的一部分，也是人们日常生活中经常接触的领域。
因此，掌握银行业务的英语表达对于学习和使用英语非常有用。
本文将介绍银行业务的基本概念和常用词汇，以及一些实用的句型和对话。
希望能够帮助你提高你的英语水平，也能让你在遇到银行业务相关的情境时更加自信和顺畅。
一、银行业务的基本概念1. 银行（bank）银行是从事金融活动的机构，主要功能是吸收存款、发放贷款、办理结算、发行货币、管理外汇等。
根据性质和功能的不同，银行可以分为以下几种：中央银行（central bank）：国家金融体系的核心机构，负责制定和执行货币政策，维护金融稳定，管理国家外汇储备等。
例如，中国人民银行（the People's Bank of China），美国联邦储备系统（the Federal ReserveSystem）。
商业银行（commercial bank）：以营利为目的，为公众提供存款、贷款、结算等金融服务的银行。
例如，中国工商银行（Industrial and Commercial Bank of China），美国花旗银行（Citibank）。
投资银行（investment bank）：主要从事证券发行、承销、交易、咨询等金融中介服务的银行。
例如，高盛集团（Goldman Sachs Group），摩根士丹利（Morgan Stanley）。
政策性银行（policy bank）：根据国家政策和发展战略，为特定领域或项目提供优惠贷款或担保等金融支持的银行。
例如，中国农业发展银行（Agricultural Development Bank of China），中国进出口银行（Export-Import Bank of China）。
信用合作社（credit union）：由具有共同利益或背景的人组成的非营利性金融合作组织，为成员提供存款、贷款等金融服务的机构。
银行英语知识点总结
银行英语知识点总结在银行工作中，英语是一种非常重要的语言，因为在国际金融领域，大部分的交流都是使用英语进行的。
下面是一些银行英语知识点的总结，希望对需要了解这方面知识的人有所帮助。
一、银行常用英语词汇1. Account - 账户2. ATM (Automated Teller Machine) - 自动取款机3. Bank statement - 银行对账单4. Cash - 现金5. Credit card - 信用卡6. Deposit - 存款7. Interest - 利息8. Loan - 贷款9. Overdraft - 透支10. Withdrawal - 取款二、银行业务英语表达1. Open an account - 开立账户2. Close an account - 关闭账户3. Deposit money - 存款4. Withdraw money - 取款5. Apply for a loan - 申请贷款6. Pay interest - 支付利息7. Transfer money - 转账8. Exchange currency - 兑换货币9. Check balance - 查询余额10. Reconcile account - 对账三、银行交易英语1. Can I have a bank statement, please? - 我可以要一张银行对账单吗？2. I'd like to deposit this check into my account. - 我想把这张支票存入我的账户。
3. What's the balance in my account? - 我的账户余额是多少？4. I'd like to transfer $500 to my friend's account. - 我想把500美元转到我朋友的账户。
5. I'd like to cash this traveler's check. - 我想兑换这张旅行支票。
银行基本业务英语口语
银行基本业务英语口语Unit1 Daily reception 日常接待Useful Words and Phrases 常用词汇与短语head office 总行branch 分行sub-branch 支行savings office 储蓄所banking service manager 大堂经理Practical Sentences and Patterns 实用句型Hello.您好;Good morning. What can I do for you早上好,我可以为您做些什么吗Pardon能再说一遍吗Would you mind repeating your question, please请重复一遍您的问题好吗No problem. I’ll do it for you right away.没问题,我马上为您办理;Please go to counter . It’s over there.请到一号柜台办理,在那边;Please wait a minute.请稍等;Would you mind showing me your passport请把您的护照给我;Could you please fill in this form and sign your name here请填写这份表格并签上您的名字;Please use Arabic numbers.请用阿拉伯数字填写;Please fill in your address and phone number here.请您在此处填写地址和电话号码;Please enter your code number.请输入您的密码;We are open for business from 8:30 . to 4:30 . with no break at noon.我们的营业时间是上午8点半至下午4点半,中午不休息;We are open for business all week including Saturday and Sunday.我门星期六、星期日照常营业;Thank you so much.谢谢;With pleasure.不客气;Hope to see you again.欢迎您再次光临;Dialogue 对话OneClerk: Good morning, madam.Customer: Good morning.Clerk: May I help youCustomer: Yes, I want to change some money.Clerk: This way, please.Customer: Thank you.Clerk: You're welcome.TwoClerk: Good afternoon, Mr. Anderson.Customer: Good afternoon, Miss Li.Clerk: How nice to see you againCustomer: Nice to see you, too.Clerk: It's been a long time, hasn't it How are youCustomer: Fine, thank you. And youClerk: Very well too, is there anything I can do for youCustomer: Yes. Could you guide me to where I can change moneyClerk: Sure, Mr. Anderson, please come along with me.Customer: Thank you.Clerk: My pleasure.Unit2 Opening an account 开立账户Useful Words and Phrases 常用词汇与短语current deposit, current account 活期存款 fixed deposit, fixed account 定期存款 fixed deposit by installments 零存整取Practical Sentences and Patterns 实用句型What kind of account did you have in your mind你想开哪种帐户Do you like to open a current account你想开一个活期存款帐户吗A deposit or current account定期还是活期Please tell me how you would like to deposit your money.请告诉我你想存何种户头Our minimum deposit for a current account is 1 yuan. 我们活期存款的最低存款额是人民币1元;Here is your passbook. Please bring it back when you deposit or withdraw money any time you like. Keep it well and inform us whenever you lose it.这是你的存折,存取款时请带来;保管好存折,遗失请告诉我们;Can I open a current account here 我能否在这儿开个活期存款帐户I should like to open a current account.我想开一个活期存款帐户;I think I'd like a deposit account.我想要开个定期存款帐户;Is there any minimum for the first deposit 第一次储蓄有最低限额吗Please tell me the procedure for opening a savings account. 请告诉我开个储蓄帐户需要什么手续;Dialogues 对话OneClerk: May I help you, sirCustomer: Yes, please. I'd like to open a bank account with you. Can you give me some informationClerk: Yes, I'd be very happy to help you. Usually we offer current accounts and fixed accounts for individuals.Customer: Oh, it's almost the same in America.Clerk: What kind of account did you have in mindCustomer: Well, I'd prefer to open a current account.TwoCustomer: Could you tell me something about current accountsClerk: I'd love to. You may open an account in your name. Then you can make deposits or withdrawals at anytime with presenting your passbook.Customer: Is there any minimum balanceClerk: Yes, one yuan is the minimum balance.Customer: I see. There is one more thing I'd like to know, that is, do I earn interest on the accountClerk: Yes, of course, we pay the interest rate permitted for banks. Every quarter we credit the earned interest into your account automatically.Customer: I see. Thank you. By the way, when does the bank closeClerk: It closes at 4:30 .Customer: Thank you very much for the information.Clerk: You are welcome.Unit3 Handling deposits and withdrawals 办理存取款Useful Words and Phrases 常用词汇与短语certificate of deposit 存单deposit book, passbook 存折account number 账号slip 存取款凭条to deposit 存款deposit receipt 存款收据to draw money 取款drawing-out slip 取款单to close an account, to clear an account 结清teller, cashier 出纳员interest rate 利率 simple interest 单利 compound interest 复利 legal interest 法定利息Practical Sentences and Patterns 实用句型How much do you want to deposit with us你想在我们这存多少How much money do you plan to keep in your account on a regular basis你计划在你的账户上定期存放多少钱I think you may deposit your money with the bank, or leave it here for temporary safe-keeping. 我认为你可把钱存入银行,或留在银行暂保管起来;I want to deposit 300 yuan in my account.我想在我的户头上存300元;I'd like to pay 200 yuan into my deposit account.我想在在我的定期存款账户上存200元;Interest is paid at the rate of % per annum at present.目前年利率是%;It varies from time to time.利率每个时期都不同;It allows you to earn a little interest on your money.这可使你从存款中获得一点利息;The interest is added to your account every year. 每年的利息都加到你的存款中;What's the interest rate for the current account活期存款的利率是多少Do you pay interest on this account这种存款付给利息吗Please tell me what the annual interest rate is.请告诉我年利率是多少;Please tell me how you wish to draw your money.请告诉我你希望怎样支款;Your balance at the bank is 300 yuan.你在本行的结余是300元;Your deposit is exhausted.你的存款支净了;I want to withdraw 200 yuan from my current account.我要从我的活期存款中支取200元;Could you tell me my balance能否把存款结余金额告诉我I want to close my account with you.我想结束在你们这儿的帐户;Dialogue 对话OneCustomer: Hello I’d like to deposit some foreign currency.Clerk: which currency do you haveCustomer: US dollars.Clerk: How much do you want to depositCustomer: 1000 US dollars.Clerk: Time deposit or demand depositCustomer: Time one.Clerk: How long are you going to deposit your moneyCustomer: One year.Clerk: That’s okay. I’ll do that for you now.TwoCustomer: Excuse me, but can I draw on my account for payment of things I buy in ChinaClerk: Certainly, sir. How much do you drawCustomer: RMB 8,000 please. Would you please tell me my balanceClerk: Yes, sir. Your balance is RMB 34,000.Customer: I am sorry, but may I ask one more questionClerk: Of course, please do. What is itCustomer: What is the interest rate for the current accountClerk: The detailed information is on the board. Please go and see it.Customer: Many thanks.Clerk: My pleasure.Unit4 Money exchange 货币兑换Useful Words and Phrases 常用词汇与短语currency, money 货币convertible money 可兑换纸币an exchange form 兑换单foreign exchange 外汇foreign exchange quotations 外汇行情foreign exchange restriction 外汇限额SAFE The State Administration of Foreign Exchange 国家外汇管理局to check the rate 查牌价exchange rate 外汇率buying rate 买进价格 selling rate 卖出价格bank note 钞票note of large denomination 大票note of small denomination 小票small change 零钱Practical Sentences and Patterns 实用句型What kind of currency do you want to change 请问您想要换哪种货币Please tell me how much you want to change.请告诉我你要换多少;How much of the remittance do you want to convert into Chinese yuan你要把多少汇款换成人民币 If you'll wait a moment, I'll find out the rates of exchange. 请等一会儿,我查一下兑换率;The buying rate of . dollar notes is 699 yuan per hundred dollars.美元现钞买入价是100美元付699元人民币;In what denominations 要什么面值的 Please tell me what note you want. 请告诉我要什么钞票; Will seven tens be all right7张10元的可以吗 Would you kindly sign the exchange form, and write down your name as well as address请在兑换单上签字,写出你的姓名和地址,好吗Could you change these dollars for me能给我兑换这些美元吗I'd like to convert the full amount of the remittance into Renminbi.我想把全部汇款换成人民币;What's the exchange rate today今天的兑换率是多少Please tell me what you would give me for my . dollars.请告诉我这些美元可以兑换多少钱;I'd like some coins for this note.我想把这张纸币换成硬币;Could you give me some small notes给我一些小票好吗Dialogue 对话OneCustomer: Excuse me. Do you exchange foreign currency hereClerk: Yes, we do.Customer: I want to convert 1000 US dollars into Chinese yuan.Clerk: This is an exchange memo. Please fill in the amount you intend to change along with your name, nationality, passport number and address.Customer: What’s the exchange rate for the dollarsClerk: Today’s rate for cash purchase is RMB 699 yuan for US $ 100 banknote. Do you have your passport with youCustomer: Yes. Here you are. How much RMB will I getClerk: Let me see. US $ 1000 makes RMB 6990 yuan. You’ll receive the money in a moment. Customer: No hurry.Clerk: Here is the cash and the exchange memo. Please check it.TwoClerk: What can I do for youCustomer: Yes. I’d like to get some US dollars. What’s today’s rate of US dollars against Chinese yuanClerk: It’s RMB 701 yuan per hundred US dollars. How much would you like to changeCustomer: 200 US dollars total.Clerk: Please fill out the exchange form.Customer: All right.Clerk: Would you mind showing me your passportCustomer: Here it is.Clerk: Please wait a moment. I’ll do it for you as soon as possible.Unit5 Using an ATM 如何使用自动柜员机Useful Words and Phrases 常用词汇与短语ATM automatic teller machine 自动柜员机insert the bankcard 插入银行卡slot 卡槽PIN personal identification number 个人密码amending password 修改密码transferring money 转账making inquiry 查询arrow 箭头screen 荧光屏、屏幕the available services 能够提供的服务CASH WITHDRAWL 提取现金ENTER 输入、确定Dialogue 对话OneCustomer: Excuse me, would you tell me how to use this ATMClerk: With pleasure. First, you should check whether the ATM is at work.Customer: Next stepClerk: And then you should insert your card as shown on the screen.Customer: Do you mean to put the card into the slot of the machineClerk: You’re right. Then a screen message will ask you to enter your personal identification number PIN on the keyboard. After that, press the “ENTER”button. Be sure to remember your PIN correctly and press the right buttons.Customer: I do remember.Clerk: After you enter your PIN, you will be asked which service you need, . amending password, withdrawing money, transferring money, making inquiry. Press the button corresponding to the service required. And you may follow the arrows at the edge of the screen. Customer: I see. Thank you very much.Clerk: Finally, don’t forget to take out your card.TwoClerk: What can I do for youCustomer: Excuse me, how can I get the money from the ATMClerk: At first, insert your bankcard and enter your PIN. Then you press the “ENTER”button. Customer: Then I will get the money from the ATMClerk: You see, the screen shows the available services. One of them is “CASH WITHDRAWL”. Customer: I see. I can press the “CASH WITHDRAWL” button if I want to get cash from my account.Clerk: That’s right. After you press the “CASH WITHDRAWL” button, the screen will show the sentence “How much money do you want ” Then you have to enter the amount and press the “ENTER” button again. Then you will get the money.Customer: Thank you, I get it.Clerk: You’re welcome.Unit6 Confiscating counterfeit note 没收假币Useful Words and Phrases 常用词汇与短语counterfeit note 假钞regulation 规定be confiscated 没收issue a receipt 开收据confiscation receipt 没收收据check 核对Dialogue 对话Customer: I’d like to deposit RMB5000 yuan in my account.Clerk: Please give me your money and the passbook.Customer: All right. Here you are.Clerk: Oh, we find there is a counterfeit note.Customer: Really I don’t remember where I get it. Please return it to me.Clerk: Well, according to the regulation, a counterfeit note should be confiscated. Customer: Then I’ll lose a note of RMB100 yuan.Clerk: It’s the only way we can do, but we’ll issue you a receipt that shows the note you presented to us has been proved counterfeit and has been confiscated by our bank. Customer: I see. And I’ll give you another note of RMB100 yuan.Clerk: Here is your passbook and the confiscation receipt for you. Please check it. Customer: It’s all right. I am sorry to trouble you.Clerk: That’s all right.。
美联英语：银行业务办理词汇与口语汇集
美联英语提供：美联英语:银行业务办理词汇与口语汇集1.certify vt.证明，（银行）担保（支票可付款）【商务用语】certifying bank 支付保证银行【例句】The accounts were certified (as) correct. 账目业经查核证明无误2.chamber n.会议室【商务用语】chamber of commerce 商会chamber of commerce and industry 工商业联合会chamber of shipping 航运协会chamber of trade 零售业协会3.charity n.慈善，公益机构【相关词组】charity organization 慈善组织charity sale 义卖4.charter vt.租n.特许；特许证，执照；租船赁，租赁【商务用语】bare boat charter 无条件租船berth charter 班轮条件租约corporate charter 公司执照，公司注册证daily charter 按日租船契约5.chartered adj.受特许的【商务用语】chartered bank 特许银行chartered accountant 特许会计师chartered agent 特许代理人chartered trading company 特许贸易公司6.cede vt.让与；放弃；过户，转让【商务用语】cede insurance 分保【例句】He ceded his stock holdings to his children. 他将股票让给了他的子女。
7.ceiling n.最高限额【商务用语】debt ceiling 债务最高限额loan ceiling 放款程度loss ceiling 损失上限numerical ceiling最高限额8.cement n.水泥；粘合剂vt.加水泥；粘【商务用语】cement industry 水泥产业9.census n.人口普查【商务用语】general census 全面普查integrated census 一体化普查population census 人口普查occupation census职业统计调查10.centralization n.集中，中央集权化【商务用语】fiscal centralization 财政集中制centralization of capital 资本集中centralization of control 集中控制centralization of management 集中管理11.chartering n.雇船，租用【商务用语】chartering broker 租船经纪人chartering agent 租船代理人chartering market 租船市场chartering order 租船委托书12.checkout n.检查；结账，结账柜台【商务用语】checkout counter 付账柜台13.cheque n.支票【商务用语】bearer cheque 不记名支票，来人支票banker cheque 银行支票cancelled cheque 注销/付讫支票certified cheque 保付支票14.chit n.小额欠款单据【商务用语】chit-system 票据支付制度chit book 回单簿15.chronic adj.慢性的，延续很长的【商务用语】chronic inflation 长期通货膨胀chronic unemployment 长期失业chronic trade deficit 长期贸易逆差chronic stage 慢性期对话1A：May I help you?A：您需要什么服务吗？B：Yes.I'm a financial manager of the Rui Hua Company.B：是的。
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银行业务英语词汇会计账目用语会计报表 statement of account往来帐目 account current现在往来帐||存款额 current accout销货帐 account sales共同计算帐项 joint account未决帐项 outstanding account贷方帐项 credit account||creditor account借方帐项 debit account||debtor account应付帐||应付未付帐 account payable应收帐||应收未收帐 account receivable新交易||新帐 new account未决帐||老帐 old account现金帐 cash account流水帐 running account呆帐 bad account会计项目 title of account借贷细帐||交验帐 account rendered继续记帐 to keep account与... 有交易 to have an account with清算||清理债务 to make up an account清洁帐目||与... 停止交易 to close one's account with 结帐 to close an account结清差额 to balance the account with检查帐目 to examine an account转入A的帐户 to charge the amount to A's account以计帐方式付款 to pay on account代理某人||为某人 on one's account||on account of one 为自己计算||独立帐目 on one's own account支票用语支票薄 cheque book支票陈票人 cheque drawer持票人 cheque holder不记名支票 cheque to bearer||bearer cheque记名支票||认人支票 cheque to order到期支票 antedated cheque未到期支票 postdated cheque保付支票 certified cheque未获兑现支票，退票 returned cheque空白支票 blank cheque失效支票，过期支票 stale cheque普通支票 open cheque支票换现金||兑现 to cash a cheque清理票款 to clear a cheque保证兑现 to certify a cheque支票退票 to dishonour a cheque拒付支票 to refuse a cheque拒付支票 to stop payment of a cheque提示要求付款 to present for payment支付指定人 payable to order已过期||无效 out of date||stale请给出票人 R/D||refer to drawer存款不足 N/S||N.S.F.||not sufficient funds||I/F||insufficient funds 文字与数字不一致 words and figures differ更改处应加盖印章 alterations require initials交换时间已过 effects not cleared停止付款 payment stopped支票毁损 cheque mutilated汇款用语汇款||寄钱 to remit||to send money寄票供取款||支票支付 to send a cheque for payment寄款人 a remitter收款人 a remittee汇票汇单用语国外汇票 foreign Bill国内汇票 inland Bill跟单汇票 documentary bill空头汇票 accommodation bill原始汇票 original bill改写||换新票据 renewed bill电汇 telegraphic transfer (T.T)担保书 trust receipt||letter of indemnity承兑||认付 acceptance单张承兑 general acceptance有条件承兑 qualified acceptance附条件认付 conditional acceptance部分认付 partial acceptance拒付||退票 dishonour由于存款不足而退票 dihonour by non-payment提交 presentation期满||到期 maturity托收 collection外汇行情 exchange quotation现汇汇率 spot rate长期汇率 long rate私人汇票折扣率 rate on a private bill远期汇票兑换率 forward rate付款汇率 pence rate当日汇率||成交价 currency rate套汇||套价||公断交易率 arbitrage收到汇款 to receive remittance填写收据 to make out a receipt付款用语付款方法 mode of payment现金付款 payment by cash||cash payment||payment by ready cash 以支票支付 payment by cheque以汇票支付 payment by bill以物品支付 payment in kind付清||支付全部货款 payment in full||full payment定期付款 payment on term年分期付款 annual payment预付货||先付 payment in advance||prepayment延付货款 deferred payment立即付款 prompt payment||immediate payment暂付款 suspense payment延期付款 delay in payment||extension of payment结帐||清算||支付 settlement分期付款 instalment滞付||拖欠||尾数款未付 arrears特许拖延付款日 days of grace保证付款 del credere付款 to pay||to make payment||to make effect payment结帐 to settle||to make settlement||to make effect settlement||to square||to balance支出||付款 to defray||to disburse结清 to clear off||to pya off拖延付款 to defer payment||to delay payment付款被拖延 to be in arrears with payment还债 to discharge迅速付款 to pay promptly付款颇为恶劣 to pay very badly||to never pay unless forced拒绝付款 to refuse payment||to refuse to pay||to dishonour a bill惠请付款 kindly pay the amount||please forward payment||please forward a cheque. 索取利息 to charge interest附上利息 to draw interest||to bear interest||to allow interest生息 to yield interest生息3% to yield 3%存款 to deposit in a bank||to put in a bank||to place on deposit||to make deposit 在银行存款 to have money in a bank||to have a bank account||to have money on deposit 向银行提款 to withdraw one's deposit from a bank换取现金 to convert into money||to turn into cash||to realize打折扣购买 to buy at a discount打折扣出售 to sell at a discount打折扣-让价 to reduce||to make a reduction减价 to deduct||to make a deduction回扣 to rebate现金折扣 cash discount货到付款||现金提货 cash on deliver (C.O.D.)货到付现款 cash on arrival即时付款 prompt cash净价||最低价格付现 net cash现金付款 ready cash即期付款 spot cash||cash down||cash on the nail 凭单据付现款 cash against documents凭提单付现款 cash against bills of lading承兑交单 documents against acceptance (D/A)付款交单 documents against payment (D/P)信用证用语追加信用证 additional credit||additional L/C信用证金额 amount of credit赊帐金额 credit balance可撤消信用证 revocable L/C不可撤消信用证 irrevocable L/C保兑信用证 confirmed L/C不保兑信用证 unconfirmed L/C可转让信用证 assignable L/C||transferable L/C 无条件信用证 open credit||free credit普通信用证 general letter of credit旅行信用证 circular letter of credit特别信用证 special letter of credit信用证底帐 letter of credit ledger信用证发行帐 letter of credit issued account信用证金额 amount of creditWhat kind of account did you have in your mind? 你想开哪种帐户？Do you like to open a current account?你想开一个活期存款帐户吗？A deposit or current account?定期还是活期？Please tell me how you would like to deposit your money.请告诉我你想存何种户头？There's a service charge for the checking account but no charge for the saving s.支票户头要收服务费，现金户头不收。