银行英语单词

Accelerated depreciation 加速折旧Account analysis 会计分析Account executive 客户经理Account maintenance 账户维护Accounts payable 应付账款Accounts receivable 应收账款Accounts receivable turnover 应收账款周转率Accrual 已发生的（收入或支出）Accrual bond 到期一次付息债券Accrued interest 应收利息Active portfolio management 积极资产组合管理Activity charge 按业务量收取的费用Add-on rate 另加利率Adjustable rate mortgage 可调整利率抵押贷款ADR 美国存托凭证Advance 贷款Advance commitment 预先承诺Affiliate 附属机构Affinity card 联名卡After-tax real return 税后实际收益率Agency 代理人账户Agency securities 政府机构证券Aging accounts receivable 应收账款账龄All-in-cost 总括成本Allowance for loan losses 贷款损失准备金Alternative Minimum Tax (AMT) 替代最低税 Amortize 摊销Amortizing swap 摊销互换Annual percentage rate 年利率Annuity 年金 Anticipated income theory 预期收入理论Appreciation 升值Arbitrage 套利ARM 可调整利率抵押贷款Arrears 预期贷款Ask price 卖价Asset-backed security 资产支持证券Asset-based financing 资产基础融资Asset-liability management 资产负债管理Asset sensitive 敏感性资产Asset utilization 资产利率率Assignment 资产转让At-the-money 价内期权Automated clearinghouse 自动清算所Automated loan machine 自动贷款机Automated teller machine 自动取款机Backwardization 延期交割贴水Bad debts 坏账Balance inquiry 余额查询Balance sheet 资产负债表Balloon loan 一次性偿还贷款银Bankers acceptance行承兑汇票Bankers bank 银行家的银行，代理银行Bank holding company 银行持股公司Bankrupt 破产Barbell 杠铃投资模式Base rate 基本利率Basic swap 基础互换Basis 基差Basis point 基点Basis risk 基差风险Bearer bonds 无记名债券Benchmark rate 基准利率Beneficiary 受益人Best efforts underwriting 最大努力承销Beta 值Beta GAP 缺口Bid price 标价BIF 银行保险基金Blank check 空白支票Board of directors 董事会Board of Governors of the Federal Reserve System 联邦储备委员会Bond 债券Bond broker 债券经纪人Bond fund 债券基金Bond rating 债券评级Book value 账面价值Book value of equity 股票账面价值Bounce a check 退回支票Branch banking 分支银行制Bridge loan 桥梁贷款Broker 经纪人Brokered deposits 经纪存款Bulge bracket firms 华尔街领头的主要投资银行Bullet loan 子弹贷款Burden 经营负担Callable bond 可赎回债券Call loan 活期贷款Call protection 赎回保护Call provision 赎回条款Call option 买权，看涨期权CAMELS 骆驼体系Cap 顶式期权Capital 资本Capital gain (loss) 资本盈余（损失）Capital market 资本市场Captive finance company 俘虏融资公司Card bank 银行卡公司CARS 汽车应收账款抵押证券Cash basis 现金收付实现制Cash budget 现金预算Cash flow from operations 来自经营活动的现金流Cashiers check 银行本票Cash letter 现金运送单Cash market 现货市场Cash settlement 现金结算Cash-to-cash asset cycle 现金到现金的资产循环Cash-to-cash liability cycle 现金到现金的负债循环Cash-to-cash working capital cycle 现金到现金的流动资金循环Central bank 中央银行Certificate of deposit (CD) 大额可转让定期存单Certified check 保兑支票Certified Financial Planner (CFP) 注册财务规划师Charge-off 贷款冲销Charter 执照Chartered Financial Analyst (CFA) 注册金融分析师Check kiting 用空头支票进行诈骗的技巧Chinese wall 中国墙Clearinghouse association 清算所协会CMO 抵押贷款支持证券Collar 领子期权Collateral 抵押品Collected balances 已到账余额Commercial loan theory 商业贷款理论Commercial paper 商业票据Commitment fee 承诺费Common stock 普通股Compensating balance 补偿余额Compounding 复利Conservator 监督管Consolidated balance sheet 合并财务报表Consumer bank 消费者银行Contingent liabilities 或然债务Conventional mortgage 传统抵押贷款Conversion fee 转换手续费Convertible debt 可转换债券Core capital 核心资本Core deposits 核心存款Correspondent bank 代理银行Country risk 国家风险Coupon rate 息票利率Covenant 合同条款Credit bureau 信用管理局Credit check 信用核查Credit department 信用管理部Credit enhancement 信用增强Credit file 信用档案Credit limit 信用限额Credit risk 信用风险Credit scoring 信用评分Credit union 信用社Cross hedge 交叉对冲Currency swap 货币互换Current ratio 流动比率Current yield 当期收益率Customer information file 客户信息档案Customer profitability analysis 客户盈利分析Cyclical liquidity needs 周期流动性需要Daylight overdrafts 当日透支额De novo branch 新设分支行Dealer reserve 自营商准备金Debenture 长期信用债券Debit card 借记卡Debtor-in-possession financing 对处于破产保护中的债务人的融资Debt service 债务本息偿还额Defalcation 挪用公款Default 违约Deferred availability credit items 延迟可用信用项目Delinquent account 违约账户Delivery date 交割日Delta 值Demand deposit 活期存款Depreciation 折旧Derivative 衍生工具Direct loan 直接贷款Discount broker 贴现经纪人Discount rate 贴现率Discount window 贴现窗口Dividend 红利Draft 汇票Dual banking system 双轨银行制Duration 久期，持续期Duration gap 持续期缺口Early withdrawal penalty 提前支取罚款Earning assets 盈利资产Earnings credit 应获收益率Earnings dilution 利润稀释Earnings per share 每股利润EBIT 息税前利润EBITDA 息税折旧摊销前利润Economic value added (EVA) 经济增加值Economies of scale 规模经济ECU 欧洲货币单位Edge corporation 埃奇公司Effective convexity 有效凸性Effective duration 有效持续期Efficiency ratio 效率比率Elasticity 弹性 EMU 欧洲货币联盟Enterprise value 企业价值Equity 股权Equity multiplier 股权乘数Euro 欧元Eurocurrency 欧洲债券Eurodollars 欧洲美元Exchange rate 汇率Executor 执行人Extension risk 延期风险Facility fee 信用限额手续费Factoring 保理Fannie Mae 联邦国民抵押贷款协会Federal Financing Bank 联邦融资银行Federal funds 联邦基金Federal Reserve Bank 联邦储备银行FHA 联邦住房管理局FHLMC 联邦住房贷款抵押公司Fidelity bond 忠实保险契约Fiduciary 受托人Finance charge 融资费用Finance company 金融公司Financial futures contract 金融期货合约Financial innovation 金融创新Financial leverage 财务杠杆Financial risk 财务风险Financial services holding company 金融服务持股公司Fixed rate 固定利率Float 在途资金Floating rate 浮动利率Floating-rate note (FRN) 浮动利率债券Floor 底式期权FNMA 联邦国民抵押贷款协会Foreclosure 行合抵押权Foreign exchange 外汇Foreign exchange risk 外汇风险Foreign tax credit 国外税收抵扣额Forward contract 远期合约Forward rate 远期利率Forward rate agreement 远期利率协议Full-service broker 全面服务经纪人GAAP 通用会计准则GAP 利率敏感性缺口Garnishment 法院扣押债券权的通知General obligation bonds 普通性债务债券Ginnie Mae 政府国民抵押贷款协会Glass-Steagall Act 格拉斯-斯蒂格尔法案GNMA 政府国民抵押贷款协会Gold standard 金本位制Goodwill 商誉Grace period 免息期Grandfather clause 祖父条款Gross Domestic Product 国内生产总值Guarantee 担保Guaranteed investment contract (GIC) 担保投资合约Guardian 监护人Hedge 对冲Highly leveraged transaction (HLT) 高杠杆交易Historical cost 历史成本Holding period return 持有期收益率Home banking 家庭银行业务Home debit 本行借记支票Home equity loan 住宅股权贷款Hot money 热钱Hypothecation 担保契约Illiquid 低流动性资产Immediately available funds 即刻可使用资金Immunize 免疫Implied volatility 隐含波动性Independent bank 独立银行Index rate 指数利率Indirect loan 间接贷款Individual retirement account 个人退休金账户Industrial revenue bond (IRB) 产业收入债券Initial public offering (IPO) 首次公开发行Insolvent 丧失清偿力Installment loan 分期偿还贷款Interbank loan 银行间贷款Interest-on-interest 利息所生利息Interest rate cap 利率顶Interest rate floor 利率底Interest rate risk 利率风险Interest rate swap 利率互换Internal audit 内部审计Inter vivos 生存者之间 In-the-money 价内期权Intrinsic value 内在价值 Inverted yield curve 颠倒的收益率曲线Investable balances 可投资余额Investment banking 投资银行业务IO 只付利息证券Judgment 判决Judgmental credit analysis 主观判断式信用分析Junk bond 垃圾债券Keogh plan 基奥计划Kite 用空头支票进行诈骗的技巧Ladder strategy 梯形投资战略Lagged reserve accounting 延迟准备金计算方法LBO 杠杆收购Lease 租赁Ledger balances 账户余额Legal lending limit 法定贷款限额Lender liability 贷款人责任Lessee 承租人Lessor 出租人Letter of credit 信用证Leveraged buyout (LBO) 杠杆收购Liability management theory 负债管理理论Liability sensitive 敏感性负债LIBOR 伦敦银行同业拆借利率Lien 留置权Limited branching 限制分支行的设立Line of credit 信用限额Liquidity premium 流动性风险溢价Liquidity risk 流动性风险Loan commitment 贷款承诺Loan participation 贷款参与Loan syndication 银团贷款Loan-to-value ratio 贷款额与抵押物价值的比率London Interbank Offer Rate (LIBOR) 伦敦同业拆借利率Long hedge 多头对冲Long position 多头头寸Long-term securities 长期证券Macrohedge 宏观对冲Maintenance margin 维持保证金Make a market 做市Make-whole clause. 完全偿还条款Margin 保证金Marginal cost of funds 资金的边际成本Marginal tax rate 边际税率Market value 市场价值Mark to market 盯市Maturity 期限MBS 抵押贷款支持证券Merger 合并Microhedge 微观对冲Modified duration 调整后的持续期Money market deposit account 货币市场存款账户Money market mutual fund 货币市场共同基金Money supply 货币供给Mortgage 抵押贷款Mortgage banking 抵押贷款银行业务Mortgage servicing 抵押贷款服务Multibank holding company 多银行持股公司Municipals 市政债券Mutual fund 共同基金Mutual savings banks 互助储蓄银行Negotiable order of withdrawal 可转让支付命令账户Net interest margin 净利差Net overhead burden 净管理负担Netting 扎差Net worth 净值No load fund 无销售费基金Nominal interest rate 名义利率Nonbank bank 非银行的银行机构Nonbank subsidiary 非银行子公司Nonperforming loan 不良贷款Nonrated bond 无评级债券Nonrate gap 无息缺口Nonrecourse 无追索权Note issuance facility 票据发行便利Notional value 名义价值NSF 资金不足Off-balance sheet activities 表外业务活动One bank holding company 单家银行持股公司On the run 最近发行的美国国库券Open account 末清账户Open interest 未平仓头寸总额Operating income 经营收入Operating leverage 经营杠杆Option 期权Option-adjusted spread 期权调整后的价差Option premium 期权费Origination fee 贷款发放费Other real estate owned 其他所属房地产Out-of-the money 价外期权Outsourcing 外包Overdraft 透支Overhead 固定管理费PAC 计划摊销级别抵押贷款支持证券Parallel shift in the yield curve 收益率曲线的平行移动Parent company 母公司Par value 票面价值Passbook savings 存折储蓄Passive portfolio management 被动资产组合管理Pass-through security 过手证券Past-due loan 逾期贷款Peer group 可比较的同类机构P/E ratio 市盈率Permanent working capital 永久流动资金Perpetual preferred stock 永久优先股Personal banker 个人银行业务经理Planned amortization class 计划摊销级别抵押贷款支持证券Pledged securities 质押证券PO 只付本金证券Point of sale 销售终端Pooling of interests 权益集中法Preferred stock 优先股Premium on a bond 债券溢价Prepayment speed 提前偿还速度Primary capital 一级资本Prime rate 优惠利率Probate 遗嘱检验Problem loans 问题贷款Pro forma financial statements 预测财务报表Prudent man rule 谨慎原则Purchase accounting 购入记账法Put 卖权，看跌期权Putable bond 可卖债券Quality spread 质量价差Rate sensitive 利率敏感性Rating 评级Real interest rate 实际利率Realized compound yield 已实现复利利率Rebate 扣减Recourse 追索Redlining 贷款歧视Reinvestment risk 再投资风险REIT (Real estate investment trust) 证券投资信托REMIC 房地产抵押投资信托Repurchase agreement (RP) 回购协议Reserve for bank debts 银行贷款损失准备金Reserve requirement ratios 存款准备金率Reserves 准备金Resolution Trust Corporation (RTC) 整理信托公司Respondent bank 代理银行Return items 退回支票Return on assets 资产收益率Return on equity 资本收益率Revenue bond 收入债券Reverse mortgage 反向抵押Reverse repo 反向回购Reverse repurchase agreement 反向回购协议Revolver 循环信用限额Riding the yield curve 滑动收益率曲线投资策略Risk assets 风险资产Roth IRA 罗斯个人退休金账户Rule of 72 72法则Run on a bank 银行挤兑Safe deposit box 安全存款箱SAIF 储蓄贷款协会保险基金Sale and lease back 售后回租Sallie Mae 学生贷款营销协会Seasonal liquidity needs 季节流动性需求Secondary capital 二级资本Securitization 证券化Security 担保Security interest 担保权益Serial bonds 连续债券Service charges 服务费Short hedge 空头对冲Short position 空头头寸Short-term securities 短期证券Sight draft 即期汇票Simple interest 单利Speculator 投机者Spot curve 零息票利率曲线Spot market 现货市场Spot rate 零息票利率Spread 利差Statewide branching 本州范围内可设立分支机构Stop payment 止付指令Strategic planning 战略规划Hedge 对冲Highly leveraged transaction (HLT) 高杠杆交易Historical cost 历史成本Holding period return 持有期收益率Home banking 家庭银行业务Home debit 本行借记支票Home equity loan 住宅股权贷款Hot money 热钱Hypothecation 担保契约Illiquid 低流动性资产Immediately available funds 即刻可使用资金Immunize 免疫Implied volatility 隐含波动性Independent bank 独立银行Index rate 指数利率Indirect loan 间接贷款Individual retirement account 个人退休金账户Industrial revenue bond (IRB) 产业收入债券Initial public offering (IPO) 首次公开发行Insolvent 丧失清偿力Installment loan 分期偿还贷款Interbank loan 银行间贷款Interest-on-interest 利息所生利息Interest rate cap 利率顶Interest rate floor 利率底Interest rate risk 利率风险Interest rate swap 利率互换Internal audit 内部审计Inter vivos 生存者之间 In-the-money 价内期权Intrinsic value 内在价值 Inverted yield curve 颠倒的收益率曲线Investable balances 可投资余额Investment banking 投资银行业务IO 只付利息证券Judgment 判决Judgmental credit analysis 主观判断式信用分析Junk bond 垃圾债券Keogh plan 基奥计划Kite 用空头支票进行诈骗的技巧Ladder strategy 梯形投资战略Lagged reserve accounting 延迟准备金计算方法LBO 杠杆收购Lease 租赁Ledger balances 账户余额Legal lending limit 法定贷款限额Lender liability 贷款人责任Lessee 承租人Lessor 出租人Letter of credit 信用证Leveraged buyout (LBO) 杠杆收购Liability management theory 负债管理理论Liability sensitive 敏感性负债LIBOR 伦敦银行同业拆