银行笔试用得上的专业词汇.doc

银行笔试用得上的专业词汇，攒RPacquiring company收购公司bad loan呆帐chart of cash flow现金流量表clearly-established ownership产权清晰debt to equity债转股diversity of equities股权多元化economy of scale规模经济emerging economies新兴经济exchange-rate regime汇率机制fund and financing筹资融资global financial architecture全球金融体系global integration, globality全球一体化，全球化go public上市growth spurt（经济的）急剧增长have ones two commas百万富翁hedge against套期保值housing mortgage住房按揭holdings控股，所持股份holding company控股公司initial offerings原始股initial public offerings首次公募innovative business创新企业intellectual capital智力资本inter-bank lending拆借internet customer网上客户investment payoff period投资回收期joint-stock参股mall rat爱逛商店的年轻人means of production生产要素(the)medical cost social pool for major diseases大病医疗费用社会统筹mergers and acquisitions并购mobile-phone banking移动电话银行业moods人气net potato网虫non-store seling直销offering新股online-banking网上银行业online-finance在线金融online client（银行的）网上客户paper profit帐面收益physical assets有形资产project fund system项目资本金制度pyramid sale传销recapitalize资产重组regional corrency blocks地区货币集团regulate调控sell off变现share(stock) option期权，股票认购权smart card智能卡slash prices杀价spare capacity闲置的生产能力strong growth强劲的增长势头switch trade转手贸易takepublic上市tap the idle assets盘活存量资产transaction（银行的）交易transfer payment from the exchequer财政转移支付venture-capital风险资本virtual bank虚拟银行wire transfer电子转帐account number帐目编号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travelers 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Bandars note庄票，银票banker银行家president行长savings bank储蓄银行Chase Bank大通银行National City Bank of New York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 IIndoChine东方汇理银行central bank, national bank, bankers 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 company(discount 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