银行专用词汇

1、银行专用词汇acquiring 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

2、一体化，全球化go public 上市growth spurt (经济的)急剧增长have one's '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inv

3、estment 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 网虫直销网上银行业在线金融(银行的)网上客户帐面收益有形资产non-store seling offering 新股 online-banking online-fina

4、nceonline clientpaper profit physical assets 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take public 上市tap the idl

5、e assets 盘活存量资产transaction （银行的）交易财政转移支付transfer payment from the exchequerventure-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depo

6、sit 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 cheq

7、ue 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 National City Bank of New York 花旗银行 Hongkong Shangha

8、i 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 requ

9、esting 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 unincorporate

10、d 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

11、-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 ba

12、nk 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 acc

13、ounting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 inf

14、lation 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 bu

15、dget 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) mark