金融英语词汇(银行业)

1、.：.；Banking Industry 1 The Banking industry in China1 Words and expressionsBanking 银行业 银行业务 China banking history Joint equity commercial banks 股份制商业银行 Business domains 业务领域 商业领域 Subordinate establishments 下级机构 从属机构 immediate 直接的All-in-one monopolistic bangking system 一体化的垄断银行系统Macroeconomic managem

2、ent 宏观经济管理State Council 国务院Financial sector 金融产业 经溶界 财政部门Formulate monetary policy 制定货币政策Currency 通货 货币 Exercise supervision over the financial institutions对金融机构进展监管Financial system 金融系统Issue renminbi and regulate its circulation发行人民币并控制人民币流通The state foreign exchange reserve国家外汇贮藏Fiscal agent 财务代理C

3、redit information 征信信息Compile Statistics and statements 编制数据和报表Payment and settlement 支付与清算Monetary base =monetary supply Aggregate credit 信贷总量Benchmark interest rate 基准利率Fiscal deficit 财政赤字State treasury 国库Currency distribution 现金调拨Break even 不赚不赔收支相抵 Lending facility 信贷机构Interest subsidy 贴息Fixed-a

4、sset 固定资产Policy-related credit 政策性贷款Policy-based projects 政策工程Line of business 业务范围 Indicator 目的Complete plant 成套设备Financial supervisory regime 金融监管体制Trust 信托 Business scope 营业范围On-site off-site 现场 非现场的Deposit taking institution 吸收存款的机构Functional department职能部门Interest rate exchange rate 利率 汇率Real e

5、state 不动产License their establishment答应 特许 给 发答应证Security and insurance 证券和保险International capital flowReal-time 实时的Plenary session 全会 A provision of this agreement 条款Subsidiary 子公司 Surveillance 监管 监视Optimize 使最优化Amount to 总计 到达Money laundering 洗钱Macro-adjustment 宏观调控Credit insurance 信誉保险2 Abbreviati

6、onsPBC Peoples Bank of China ADBC Agricultural Development Bank of ChinaNPC National Peoples CongressCBRC the China Banking Regulatory Commission2 The World Bank1 Words and expressionsCreditworthy 有信誉的Low-interest interest-free低息 免息无息Grant、 拨款 、补助金津贴Bilateral 双方的双边的Arbitration 公断 仲裁Expropriation 征收

7、没收Currency inconvertibility 货币不可兑换Signatory 签署国 签约人 be signatory to an agreementHard loan 硬贷款 条件苛刻的贷款 Proceeds 收益收入Default 拖欠Liquidity 流动资本In default 违约Tender 招标 bid 招标出价Furnish 提供供应配备per capita income 人均收入Exclusively 专门的专有的Joint venture 合资企业 合营企业Security underwriting activity 证券承销业务Stock exchange 证

8、券买卖所Emerging market 新兴市场Write off investments 核销处置 勾销、报废Turnover 营业额 买卖额/人员更替数、人员改换率Privatization 私有化Public sector 公共部门 公共成分Soft loan 软贷款 低息贷款Maturity 到期 they have 40 maturities。期限Principal and interest 本金和利息Grace period 宽限期Disburse 支付 支出 Loan balance 贷款余额Ceiling 最高限制Eligibility 有资历合格Subscription 捐款

9、 订金Lease 出租 租约Capitalization 收益的资本化 资本总额Affiliate 隶属机构Liaison 关联 联络【法】Invite bid or tender 招标Furnish procurement information 提供采购信息Subscribed capital 认缴股本 注册资本Carry the highest quality rating 由最高的质量等级Foreign exchange reserve position 外汇贮藏头寸贮藏头寸是一国在国际货币基金组织的自动提款权，其数额的大小主要取决于该会员国在国际货币基金组织认缴的份额，会员国可运用的

10、最高限额为份额的 125% ，最低为 0 。2 AbbreviationIBRD the International Bank for Reconstruction and DevelopmentIDA the International Develop associationLDC less developed countriesDC developed countriesMIGA the Multinational Investment Guarantee AgencyIFC International Finance CorporationDFC development finance

11、corporationSDR 特别提款权special drawing rights SDR是国际货币基金组织IMF创设的一种贮藏资产和记账单位，亦称“纸黄金Arrear 欠款 in arrears 拖欠 贷款逾期3 The Financial SystemWords and expressionsBuilding society 房屋互助协会Home loan 住房贷款Life insurance 生命保险Investment trust 投资信托公司Venture capital company 风险投资公司Discount house 贴现公司,银行Note-issuing author

12、ity 担任纸币发行的政府机构Credit facility 信贷融通 信贷安排Financial intermediary 金融中介机构Broker 经纪人 adviser 顾问Favored borrower 特权借款人Market practice 市场实务 The scale of business 商业规模Balance 余额Money transmission facility 货币汇送工具Broadly construed market 广义的市场Strike a bargain 敲定一笔生意Transaction 买卖Market maker 做市商 市场庄家Fraud 欺骗

13、欺诈 malpractice 不正当行为Honor their commitment 履行承诺 兑现诺言Expansion and contraction 扩张 收缩Boom and slump 昌盛和衰退Claim 权证 Liability 负债Liquidity 流动性Prior claim 优先索取权Loans are secured on assets 贷款由资产作保Equity asset 产权资产Shareholder 股东Marketability 市场化程度On demand 一经要求 见面即付Demand deposit current deposit 活期存款Marketa

14、ble 可经过市场买卖的Deal at short notice 就一纸卖出指令买卖Real estate /estate property 房地产Allocation 分配 拨款Surplus 盈余 lossHang fire 进展慢 行动缓慢Derivative instrument 衍生工具4 International Monetary System and Balance of PaymentBOP deficit 过节收支赤字 balance of paymentsDeflate the economy and devalue the US dollar紧缩经济 是美圆贬值Deva

15、lue depreciate devaluate 贬值Appreciate increase in value 升值Gold Exchange standard 金汇兑本位制Speculator 投机者Perfect competition 完全竞争Trade weight 贸易权重International settlements国际清算Currency bloc 货币联盟/集团Currency Area 货币区EC European Community 欧洲共同体Solid line 实线 Ceiling floor 最高 最低点EMS European Monetary system 欧

16、洲货币体系Floating currency exchange 浮动汇率汇率Trade deficit 贸易逆差 trade surplus 贸易顺差Managed float 有管理的浮动 dirty floatFree float clean floatCurrency unit 货币单位5 The Economic Role of Financial SectorWords and expressionsBarter 物物交换、实物交换Barter economy 易货贸易经济Monetary economy 货币经纪medium of exchange 买卖媒介transaction

17、cost 买卖本钱deposit receipt 存款收据equity participation 参股debt issuing 发放债务credit risk 信贷风险debt capital 债务资本equity capital 权益资本Goods are exchanged in kind 以货代款、以实物Primitive economy 原始经济Finance expenditure 进展融资Balance sheet 资产负债表Liability debt 债务 负债 asset 资产Net worth 净值 资产净值Creditor 债务人 debtor 债务人Usury 高利贷

18、Dividend payment 支付红利Institutional arrangement 制度安排Counterbalance 抵消Mortgage 抵押 Bankruptcy 破产OECD Organization for economic cooperation and development6 International Monetary FundWords and expressions the IMF Articles of Agreement 国际货币基金组织协定 articles 协议 协定Bretton Wood Conference 布雷顿森林会议Convertible

19、currency 可兑换的货币Balance of-payments disequilibria disequilibrium | dsekwlbrm 失衡不平衡Par value 票面价值Quota 定额 限额The amount a country can draw 一国可以支取的数量Enter an agreement 订立协议Consult with 磋商Current account 经常账户 往来账户 活期存款Private sector 私营部门Executive board 执行委员会Debt default 债务拖欠 debt rescheduling 债务重组repudia

20、te the old loans 拒还 旧债bank failure 银行倒闭OPEC organization of petroleum exporting countriesAusterity 经济的紧缩Managing director 总裁Private bank 私有银行Structural adjustment facility 构造调整贷款Firm surveillance 公司监管TOPIC 2 Money and Economics7 Politics Vs. EconomicsWords and expressionsLasses-faire 自在放任主义 不干涉主义Log

21、ical sphere 逻辑范畴Ideology 认识形状 理念Reciprocity 互惠Conglomerate 结合大企业Real economy 实体经济 capital economy 资本经济Tier阶层Allocation 分配Optimize 优化Multinational corporation 跨国公司Comparative advantage 比较优势Gold standard 金本位制Nation-state 单一民族国家GNP gross national product 国民消费总值 per capita8 MoneyWords and expressionsA m

22、eans of payment 支付手段Medium of exchange 买卖媒介Unit of account 记账单位 价值尺度Store of value 贮藏手段Standard of deferred payment 延期支付手段Opportunity cost 时机本钱Commodity money 商品货币Convertible paper money 可兑换纸币Fiat money 法币Private debt money 死人债务货币A physical commodity 有形商品A paper claim 书面权证Fractional backing 部分黄金支持Ch

23、eckable deposit 可签发支票取现的存款 支票存款Honor a check 承兑支票Double coincidence of wants 双方需求不断fractional banking 比例至银行业务9 The Macroeconomics of International CurrenciesA commodity standard 商品本位制Portfolio 投资组合Inflation deflation Fiat system 不兑现制度Mint parity 铸币平价Key currency 主要货币Transaction balance 买卖平衡Currency

24、substitution 货币替代Foreign exchange market 外汇市场Spot exchange rate 即期汇率 现期汇率Purchasing power parity 购买力平价10 Bretton Woodstock and The Gold Exchange StandardWords and expressionsPar value 平价 票面价值Practice 实务Debit 借方Credit 贷方Merchandise 商品 货物Ledger 分类账 Double-entry accounting 复式记账法Accounting statement 财务报

25、表Current accounting 经常账户Capital account 资产账户Net goods and service balance 商品效力净差额 balance 差额Unilateral transfer 一方转移Direct investment 直接投资 Portfolio investment 证券投资Statistical discrepancy 统计误差Subaccount 分账户Royalty 专利运用费 版税quid pro quo 补偿物 交换物Transfer of capital 资产转移Money and kind 货币和实物Capital inflow

26、 资产流入A credit entry 记入贷方The bonds face amount 债券的面值Hedging 套期保值 Forward 远期 future 期货 option 期权Swamp market 掉期买卖市场 外汇掉期市场Exchange of foreign notes and coins 外币的汇兑Commercial paper 商业本票Bill and note 汇票和本票 票据Surge 大涨Accounting balance 会计平衡Balance-of-payment equilibrium and disequilibrium 国际收支的平衡与失衡Odds

27、差额Devaluation in terms of dollar 相对美圆的贬值Fiscal policy 财政政策 monetary policy 货币政策Foreign-owned capital 国外资本Out of deficit 摆脱赤字Transfer payment 转移支付Less 扣除11 International Economic Globalization Words and expressionsDivision of labour 劳动分工Factors of production 消费要素Tariff 关税 quantitative restriction 数量限

28、制Customs 海关 关税 customs dutyEntity 实体 在 Merge 合并 兼并Integrated area 一体化区域Preferential tariff agreement 特惠关税协议Partial customs union 部分关税同盟Customs union 关税同盟Free trade area 自在贸易区Rules of origin 原产地原那么Trade deflection 贸易转移Common market 共同市场 Mobility of factors of production 消费要素的流动Economic union 经济同盟Tota

29、l economic union 完全经济同盟TNCs transnational corporations 跨国公司De jure 法律上 权益上的De facto 现实上 根据现实 National sovereignty 国家主权Harmonize the policies 协调政策Specialization 专业化Returns to scale 规模报酬EqualizationConsultation 磋商Consumption pattern 消费 方式National treatment 12 History and Development of Syndicated Lend

30、ing Words and expressions Syndicated lending 银团贷款Long-term floating rate lending 长期浮动利率贷款Regional bank 地域银行 区域银行Federal reserve 美联储TOPIC 3 Investment System13 Assessing Investment SystemsWords and expressionsTransactions cost 买卖本钱Bid-ask spread 买卖差价Stamp duty 印花税Discount and premium 折价和溢价 贴水升水Divide

31、nd 股息Yield 产量 投资收益Go bust 破产Hypothesis 假设Survivor bias 幸存者偏向Ex-post election bias 选择后偏向Gearing 杠杆率 反映公司还款才干Look-ahead bias 预见性偏向Price-earning ratio 市盈率Data-mining 数据发掘Security 证券Appraisal 评价Variable 变量 variation 变化Equity 股权 股票Attribute 属性S&P500 斯坦福500种股票指数Large-cap 大盘股票COMPUSTAT数据型数据库Commission 佣金14

32、 Investment Products and Services Provided by InsurersWords and expressionsInsured 被保险者Brokerage 经纪业 broker 经纪人Life insurer 人身保险公司US treasury bills 美国国债 Bank certificates of deposit 银行存单Interest-bearing security 附息证券Current rate of return 即时收益率Mature 到期Deposit 存款 withdrawal 取款Government insured /gua

33、ranteed 政府担保Common stock 普通股股票Reinvestment 再投资Liquidation 债务清偿 公司清盘Expected risk 预期风险Growth-oriented common stock 生长型普通股Return 收益 profit yield Periodic required interest payment 定期支付利息Coupon rate 票面利率Purchase price adjustment 购买价风格整Quality rating 质量评级Balanced fund 平衡债券REITs real estate investment tr

34、ust 不动产 投资信托Lease 租借 Specialty shop 专卖店Mortgage 抵押贷款Complex 相关商品Apartment building 住宅建筑Sluggish 不景气 萧条Office complex 写字楼Risk-averse 风险躲避型的 Securities exchange 证券买卖所Financial planner 理财师 Ownership right 一切权Corporate liquidation 法人清算Transaction orders 买卖命令Maturity rate 到期日Corporate bonds 公司债券15 Why In

35、vest GloballyWords and expressionsBusiness cycle 经济周期Determinant 决议要素Passive investors 被动投资者 Active investors 自动投资者Volatility 易变反复无常 风险price-to-book 市价-账面价值比率 市帐率Weight 权重Residue 遗产 剩余资产Audited quarterly report 经过审计的季度报告Standard deviation of return 收益的规范差Diversifiable risk 可分散化的风险EAFE Europe Austral

36、ia and far eastCurrency return differential 货币收益差别Correlation 相关系数Rate of inflation 通货膨胀率Negative relationship 负相关Long-term bull market 长期牛市Substitute 替代Rebound反弹 Additional /excess return 额外收益perfectly correlated 完全正相关arithmetic 算术平均值compound return 总收益variance 方差 less 减去approximation 估计值converted

37、into log form 取对数exploit market inefficiency 利用 市场无效率qualitative analysis 定性分析at the low end 处于优势 at the high endafter trading costs 在扣除买卖本钱后barriers to competitors 竞争者壁垒be normally distributed 呈正态分布distinguished 突出的subtract 减去减少扣掉amortize 摊销 摊还 分期归还function 函数populated the market 主导市场fair value 公平价

38、值catch a free ride 搭便车value-oriented investors 追求价值的投资者agent risk 代理风险vice versa 反之亦然financial report 财务报告equity market 股票市场systematic risk 系统性风险nondiversifiable risk 不可分散的风险efficient market 有效率的市场bonds and real estate 债券和实物资产quarterly report 季度报告MPT modern portfolio theory 现代投资组合实际16 Futures and Op

39、tions Words and expressions Hedger 套头买卖者 套期保值者Arbitrageur 套利者Hedging position 套期保值寸头Primary and secondary sector 一级 二级市场Delivery 交货 交付 交割 of an assetFacility 设备 便利 工具Go long 买空 go short 卖空Reverse the deal 反向买卖Market hours 开市时间Clearing house 清算所Margin 保证金 利润Cover 对 进展保险Settlement 收盘价 清算 结算Enter into

40、a contract 订立合同Be credited 贷记A call option 看涨期权 A put option 看跌期权Taker and writer of an option 期权的行权人 和授权人Negotiable 可磋商的 可转让的 contract Underlying market 根底市场Exercise 执行 行使权益 exercise the option 行使期权Premium 保险金 溢价 权益金Striking price 执行价钱 协定价钱 定约价Expiration date 到期日At the money 平值In the money 实值 对行权人有利Out of the money 虚值 对行权人不利Intrinsic value 内在价值 extrinsic value 外在价值Time value 时间价值Current interest rate 当期利率Broker-dealer 经纪买卖商 Listed option 上市期权In scope 在规模上Resell 转售 repurchase 回购Over-the-counter 买卖双方直接买卖 柜台买卖Danger of non-perfor