银行业术语中英文对照

Bank statement 银行对账单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信用卡 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：失业率和通货膨胀之间的关系CIF的风险转移点：货过船舷双因素理论的创始人：赫茨伯格提高存款准备金率将：提高贴现率将：货币供给量减少，利率提高赫兹伯格的保健因素（判断对错）面对金融危机，我国采取的措施以及银行业采取的措施？第一部分 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 流动资金channel 引入，注入impulse 推动力，刺激macroeconomic management 宏观经济管理in response to 随specialized bank 专业银行Decision on Financial Reform 关于金融改革的决定comprehensive package of measures 一揽子综合措施inflationary pressure 通货膨胀压力signs of overheating 市场过热现象structural measure 结构上的措施exchange rate 汇率current account convertibility 经常项目可自由兑换性inter-bank money market 银行间货币市场segregation 拆分policy bank 政策性银行infrastructural project 基础设施项目joint-equity 合资soft landing 软着陆retail price index 零售物价指数subdue 征服sustainable rate 可持续增长的比率negative impact 消极影响capital inflow 资本流入official foreign exchange reserve 官方外汇储备resilience 反弹aggregate financing 融资总量full-fledged 成熟的Law of the Peoples 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 良好的金融秩序overhaul 大修，取代，裁撤indirect policy instrument 间接政策手段credit ceiling 贷款额度reserve ratio 准备金率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 适当的披露标准listing 股票上市，股票挂牌intermediary services 中间业务international settlement 国际结算cost structure 成本结构regulatory standards 调节标准，调节规范economic transition 经济转型magnitude 规模risk management 风险管理prudential management 审慎管理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 贷款核准loan release 贷款发放insolvent 无偿付能力，破产liquidation procedures 清算程序fit-and-proper test 称职测试asset management company 资产管理公司non-performing loans 不良贷款resource allocation 资源配置enforceability of bank claims 银行债权的追讨ownership structure 所有制结构corporate governance 法人治理incentive structure 激励机制open market transactions 公开市场业务fine-tuning 微调modes of transaction 交易方式settlement and clearing system 清算系统rediscount business （票据的）再贴现业务required reserve system 法定准备金制度accounting period 会计年度intermediate rate 中间利率interest rate liberalization 利率自由化bank lending rates 银行贷款利率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 信用合作社national treatment 国民待遇accounting system 会计制度rating agency 信用评级机构 第二部分 银行监管misappropriation 盗用operating procedures 操作程序discretion 判断力accounting entry 会计分录creditor 债权人mobilize 动员distribute 分发，分配public good 公共利益accord 协议liquidity drain 流动性丧失deposit insurance fund 存款保险基金in a safe and sound manner 安然无恙的bank runs 银行运行the funds loss 基金损失prompt intervention 迅速干涉remedial measure 补救措施responsive to 对敏感thrust 推力monopoly 垄断anti-competitive practices 反对竞争的行为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 会计准则independent audit 独立审计financial position 财务状况counter-party risk 交易对手风险orderly exit 有序退出problem bank 问题银行systemic protection 系统保护operational independence 独立运行solvent institution 有偿付能力的机构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 提出申请阶段application stage 申请阶段organizing stage 组织阶段premise （企业、机构等使用的）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 法令，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 与一致deploy 展开cross-checking 相互校验，反复核对dual control of assets 资产的双重控制double signatures 双重签名track record 记录deemed to be detrimental to 被认为对有害financial projection 财务预测start-up costs 启动成本initial capital amount 启动资本数量corporate parent 母公司the Basle Minimum Standards 巴塞尔最低标准a consolidated basis 统一（合并）的基础be notified of 通报indirect investment 间接投资in respect of 关于acquisition 兼并a wide array of 大量的perspective 观点potential 潜在的credit risk 信贷风险on-and off-balance sheet 表内和表外项目write off 勾销，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 解除管制insolvency 无力偿还，破产unethical 不道德的，缺乏职业道德的be susceptible to 易受影响的comply with 符合，遵守financial distress 财务困难directorate 董事会，管理局prudential rules 审慎规则imprudent 轻率的，鲁莽的supplant 排挤掉，代替dynamic 动态的asset concentration 资产集中loan classification system 贷款分类系统adequacy of loan loss reserves 足够的贷款损失储备risk management 风险管理internal control 内部控制equity capital 股本权益revenue 收入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 核心资本tier one capital 一级资本retain earning 留存收益surplus 盈余supplementary capital 补充资金revaluation reserves 重估储备金hidden reserves 秘密准备金subordinated term 从属条款risk weight 风险权重undercapitalized 资本金不足merger 合并volatility of price 价格不稳定correlation assumption 相关性假设non-linear price characteristics 非线性价格特性plus factor 正因素independent risk control unit 独立风险控制部门risk-sensitive 风险敏感的one-size-fits-all framework 一成不变的框架ratings based 以评级为基础的default of the borrower 借贷者不履行还款责任commensurate with 与相称的highly leveraged 高举债经营的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 再融资计划salvage value 残余价值contingent liabilities 或有债务have an adverse bearing on 对有不利影响overdue loans 过期贷款doubtful loans 可疑贷款overdraft 透支assets portfolio 投资组合资产liquidity ratio 流动比率liquidity squeeze 流动资金紧张cushion 偿债安全余量，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 在的赞助下secondary market 二级市场equity 股本leverage ratios 杠杆率volatile markets 剧烈变动的市场loan loss provisions 贷款损失准备金loss reserves 损失准备金examiner-in-charge 检查组组长internal audit 内部审计contingency funding 应急开支准备金compliance 合规性composite rating 综合评定lending policies 贷款制度total loan volume 贷款总额loan covenants 贷款契约board of directors 董事会buy-outs 买断loan appraisal 贷款评估outstanding loans 未偿贷款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 偿还贷款unassisted merger 有偿合并deposit insurance fund 存款保险基金indemnifying 保障补偿put option 出售期权revamp 改组；补修，翻新；修订，改进market-oriented financial system 市场导向的金融体制operational independence 自主经营corporation affiliation 公司联营机构第三部分 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 颁布non-resident banks 外国银行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 一般结算账户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 出口收入verify 查证，核验enter 记入，登记receipts 收入call money 活期贷款fraud of foreign exchange 骗汇designated foreign exchange banks 指定办理外汇的银行capital account transactions 资本账户下的交易第四部分 会计 财务会计 communicate 传达；告知；交流financial statement 财务报表monetary 货币的warrant 为提供充足的根据outlet 销售点，销路sound 健康的，合理的bookkeeping 记账，簿记transactions 交易virtually 实质上apply to 适用于day-to-day 日常的evaluate 评价，评估corrective action 矫正的行为merchandise 用于买卖的货物，商品inventory 库存，存货creditors 债权人venture (为盈利而进行冒险的)企业；短期投资，商业冒险monitor 监控analyze 分析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，估计；规划项目disclose 透露，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 符合，按照comply with 遵守，符合tax returns 纳税申报单management consulting 管理咨询cost accounting 成本会计 成本会计是成本管理系统中的一个子系统。它的主要任务就是归集、分配和计算有关成本对象的成本，并进行分析和考核，为管理者提供准确的、可靠的成本信息flow charts 流程图internal auditing 内部审计financial accounting 财务会计stockholders 股东guidelines 指导方针stand for 代表strive to 奋力the entity concept 会计主体概念the reliability principle 可靠性原则the cost principle 成本原则the going concern concept 持续经营原则drastically 激烈地，彻底地come up with 提出，赶上acc