银行业术语英文

银行业术语英文Current deposit 活期存款Telegraphic transfer 电汇Discount Rate 贴现率Open-End Fund 开放式基金中国招商银行China Merchants Bank信誉卡Credit Card浮动汇率Floating Rate利率Interest Rate货币政策Monetary Policy现代管理学之父：彼得·德鲁克菲利普斯曲线表示：失业率和通货收缩之间的关系CIF的风险转移点：货过船舷双要素实际的开创人：赫茨伯格提高存款预备金率将：提高贴现率将：货币供应量增加，利率提高赫兹伯格的保健要素〔判别对错〕面对金融危机，我国采取的措施以及银行业采取的措施？第一局部中国的银行业business 商号，企业，公司savings 储蓄monetary policy 货币政策repository 仓库liquid funds 活动资金channel 引入，注入impulse 推进力，抚慰macroeconomic management 微观经济管理in response to 随……specialized bank 专业银行Decision on Financial Reform 关于金融革新的决议comprehensive package of measures 一揽子综合措施inflationary pressure 通货收缩压力signs of overheating 市场过热现象structural measure 结构上的措施exchange rate 汇率current account convertibility 经常项目可自在兑换性inter-bank money market 银行间货币市场segregation 拆分policy bank 政策性银行infrastructural project 基础设备项目joint-equity 合资soft landing 软着陆retail price index 批发物价指数subdue 降服sustainable rate 可继续增长的比率negative impact 消极影响capital inflow 资本流入official foreign exchange reserve 官方外汇储藏resilience 反弹aggregate financing 融资总量full-fledged 成熟的Law of the People’s Bank of China«中华人民共和国中国人民银行法»issue currency 发行货币circulation 流通fiscal agent 财政代理fiscal deficit 财政赤字sound financial order 良好的金融次第overhaul 大修，取代，裁撤indirect policy instrument 直接政策手腕credit ceiling 存款额度reserve ratio 预备金率fixed assets 固定资产commercial bank 商业银行World Trade Organization 世界贸易组织profit-driven entities 盈利实体internationally compatible 与国际接轨的appropriate disclosure standards 适当的披露规范listing 股票上市，股票挂牌intermediary services 中间业务international settlement 国际结算cost structure 本钱结构regulatory standards 调理规范，调理规范economic transition 经济转型magnitude 规模risk management 风险管理prudential management 慎重管理risk monitoring and warning system 风险监控和警戒系统proceeds 收益capital adequacy ratio 资本充足率loan approval 存款核准loan release 存款发放insolvent 无偿付才干，破产liquidation procedures 清算顺序fit-and-proper test 称职测试asset management company 资产管理公司non-performing loans 不良存款resource allocation 资源配置enforceability of bank claims 银行债务的追讨ownership structure 一切制结构corporate governance 法人管理incentive structure 鼓舞机制open market transactions 地下市场业务fine-tuning 微调modes of transaction 买卖方式settlement and clearing system 清算系统rediscount business 〔票据的〕再贴现业务required reserve system 法定预备金制度accounting period 会计年度intermediate rate 中间利率interest rate liberalization 利率自在化bank lending rates 银行存款利率deposit rates 存款利率retail deposit interest rate 小额存款利率share-holding banks 股份制银行controlling share 控股股份capital replenishment system 资本金补充制度information disclosure 信息披露credit cooperatives 信誉协作社national treatment 国民待遇accounting system 会计制度rating agency 信誉评级机构第二局部银行监管misappropriation 盗用operating procedures 操作顺序discretion 判别力accounting entry 会计分录creditor 债务人mobilize 发动distribute 分发，分配public good 公共利益accord 协议liquidity drain 活动性丧失deposit insurance fund 存款保险基金in a safe and sound manner 平安无事的bank runs 银行运转the fund’s loss基金损失prompt intervention 迅速干预remedial measure 弥补措施responsive to 对……敏感thrust 推力monopoly 垄断anti-competitive practices 支持竞争的行为bank capital requirements 银行资本金要求dividend limitations 股息限制impair 削弱regulatory authorities 监管当局accounting principle 会计准那么independent audit 独立审计financial position 财务状况counter-party risk 买卖对手风险orderly exit 有序参与problem bank 效果银行systemic protection 系统维护operational independence 独立运转solvent institution 有偿付才干的机构cognation 同族distortion 变形，曲解，失真market signal 市场信号chartering banks 特许银行pre-filing stage 提出央求阶段application stage 央求阶段organizing stage 组织阶段premise 〔企业、机构等运用的〕房屋；院内的土地；房产pro forma financial statement 预测财务报表projection 预测market-entry ticket 进入市场的凭证statute 法则，条例in compliance with 遵守expertise 专家的意见，专门的技术the Basle Committee 巴塞尔委员会endorsement 背书，签注，认可venture 冒险，投机，风险integrity 诚信standing 信誉名望be consistent with 与……分歧deploy 展开cross-checking 相互校验，重复核对dual control of assets 资产的双重控制double signatures 双重签名track record 记载deemed to be detrimental to 被以为对……有害financial projection 财务预测start-up costs 启动本钱initial capital amount 启动资本数量corporate parent 母公司the Basle Minimum Standards 巴塞尔最低规范a consolidated basis 一致〔兼并〕的基础be notified of 通报indirect investment 直接投资in respect of 关于acquisition 兼并a wide array of 少量的perspective 观念potential 潜在的credit risk 信贷风险on-and off-balance sheet 表内和表外项目write off 取消，注销〔债款〕；报废suspend 暂停repricing risk 重定价风险yield curve 收益率曲线optionality 可选择性，随意portfolio 资产组合deregulate 解除控制insolvency 有力归还，破产unethical 不品德的，缺乏职业品德的be susceptible to 易受影响的comply with 契合，遵守financial distress 财务困难directorate 董事会，管理局prudential rules 慎重规那么imprudent 轻率的，莽撞的supplant 排挤掉，替代dynamic 静态的asset concentration 资产集中loan classification system 存款分类系统adequacy of loan loss reserves 足够的存款损失储藏risk management 风险管理internal control 外部控制equity capital 股本权益revenue 支出capital adequacy ratios 资本充足率risk profile 风险组合asset quality 资产质量in a timely fashion 及时地，适时地core capital 中心资本tier one capital 一级资本retain earning 留存收益surplus 盈余supplementary capital 补充资金revaluation reserves 重估储藏金hidden reserves 秘密预备金subordinated term 附属条款risk weight 风险权重undercapitalized 资本金缺乏merger 兼并volatility of price 价钱不动摇correlation assumption 相关性假定non-linear price characteristics 非线性价钱特性plus factor 正要素independent risk control unit 独立风险控制部门risk-sensitive 风险敏感的one-size-fits-all framework 原封不动的框架ratings based 以评级为基础的default of the borrower 借贷者不实行还款责任commensurate with 与……相称的highly leveraged 高举债运营的provisions 备用金bad debt 呆账，坏账loan 借款advance 预付款extension of credits 信贷延期obligor 债务人collateral 担保品capital injection 资本〔金〕注入liquidation proceedings 清算诉讼liens 抵押留置权refinancing plans 再融资方案salvage value 剩余价值contingent liabilities 或有债务have an adverse bearing on 对……有不利影响overdue loans 过时存款doubtful loans 可疑存款overdraft 透支assets portfolio 投资组合资产liquidity ratio 活动比率liquidity squeeze 活动资金紧张cushion 偿债平安余量，缓冲mismatch 未扎平的，不相配的audit function 审计职能on-site surveillance 非现场监管in the short or medium term 从中短期来看annual reports 年报under the auspices of 在……的资助下secondary market 二级市场equity 股本leverage ratios 杠杆率volatile markets 猛烈变化的市场loan loss provisions 存款损失预备金loss reserves 损失预备金examiner-in-charge 反省组组长internal audit 外部审计contingency funding 应急开支预备金compliance 合规性composite rating 综合评定lending policies 存款制度total loan volume 存款总额loan covenants 存款契约board of directors 董事会buy-outs 买断loan appraisal 存款评价outstanding loans 未偿存款financial health 财务正常income statement 损益表financial position and prospects 财务现状和前景cash flow 现金流量benchmark 基准assets quality rating 资产质量评级service the loan 归还存款unassisted merger 有偿兼并deposit insurance fund 存款保险基金indemnifying 保证补偿put option 出售期权revamp 改组；补修，创新；修订，改良market-oriented financial system 市场导向的金融体制operational independence 自主运营corporation affiliation 公司联营机构第三局部中国的外汇体制foreign exchange 外汇foreign currency 外币accelerate 加快conditional current account convertability 有条件的经常项目可兑换managed floating exchange rate 有管理的浮动汇率International Monetary Fund (IMF) 国际货币基金组织promulgate 公布non-resident banks 本国银行balance of payments 国际支付payment voucher 支付凭证bank certificate of deposit 银行存款单circulation 流通foreign exchange surrender business 外汇止付业务debt service accounts 普通结算账户revoke 撤销reference rate 参考利率foreign-funded enterprises 外资企业ceiling 最高限额retain 留存advise 通知lift 解除export proceeds 出口支出verify 查证，核验enter 记入，注销receipts 支出call money 活期存款fraud of foreign exchange 骗汇designated foreign exchange banks 指定操持外汇的银行capital account transactions 资本账户下的买卖第四局部会计Ⅰ财务会计communicate 传达；告知；交流financial statement 财务报表monetary 货币的warrant 为……提供充足的依据outlet 销售点，销路sound 安康的，合理的bookkeeping 记账，簿记transactions 买卖virtually 实质上apply to 适用于day-to-day 日常的evaluate 评价，评价corrective action 矫正的行为merchandise 用于买卖的货物，商品inventory 库存，存货creditors 债务人venture (为盈利而停止冒险的)企业；短期投资，商业冒险monitor 监控analyze 剖析keep up with 跟上Wall Street Journal 华尔街日报Business Weekly 商业周刊〔杂志〕Forbes 福布斯〔杂志〕Fortune 财富〔杂志〕projection 预测，估量；规划项目disclose 泄漏，披露authorities 当局income tax 所得税nonprofit organizations 非盈利性组织profit-oriented 利润导向的budgets 预算payrolls 工资单recession (经济衰退)standard of living 生活水平auditing 审计in accordance with 契合，依照comply with 遵守，契合tax returns 征税申报单management consulting 管理咨询cost accounting 本钱会计本钱会计是本钱管理系统中的一个子系统。