银行柜台英语

1、China Banking Regulatory Commission 车艮监会Commercial bank商业专艮行Head office 总行Branch分行Tier-1 branch 一级分行Outlet/networks 网点Retail banking division 零售业务部门Corporate business 公司业务Private banking 私人专艮行Account manager 客户经理High-end wealth management 高端理财High-profile customers 高端客户Products 产品Value added service

2、 增值服务Existing customer 开了户的顾客Walk-in customer未开户的顾客Queue排队Business 一线Supporting/Middle/Bank office支持部门Immediate superior 直属上级Executive positions 管理职位Fee-based business 中间业务Principal business 主营业务Cut off time 关机时间Business time营业时间Overtime 加班Compensation 薪水Salary固定工资Commission 提成Bonus奖金Subsidy 补助Perfo

3、rmance evaluate 业绩考核Make money 赚钱Earn money 挣钱Teller柜员Till尾箱Vault金库Comp lance 合规Slip凭条Balance 余额Add加Deduct 减Multiple 乘Divide 除Cash flow现金流Cash in vault库存现金Cash on hand手持现金Companys stamp 公章Accountants stamp 财务章Paid付讫章Received收讫章Transferred 转章Transaction account 结算账户Current/Checking/Demand account 活期帐

4、户Deposit certificate 定期存单Roll over/Renew 展期（自动转存）Due date 至 U 期Redeem提前支取（赎回）Cash in before maturity 提前支取Waive/forfeiting 放弃Premium国外提前支取的费用Maturity term 存期Interest rate 利率Deposit rate存款利率Basis point 基点Benchmark 基准Bear/Accrue interest 产生禾U息Saving deposit活期储蓄存款Time deposit定期储蓄存款Time deposit of lump-s

5、um deposit and withdrawal整存整取Time deposit small savings for lump-sum withdrawal零存整取Principal-receiving and interest withdrawing time deposit存本取息Time or savings optional deposit 定活两便Notice deposit 通知存款Educational deposit 教育储蓄Key in your password 输入密码Dormant account 睡眠账户Household savings 居民储蓄Banknote

6、纸币Coin硬币Hand Tail正面背面Small change 找零Green back/Buck 美元Forged note假钞（伪造）Forge mutilate 假钞（变造）Self-service自助服务Transaction number 交易笔数Single operations 单笔交易Large-value transaction 大额交易Suspicious transaction report 可疑交易报告Establish the identity 确认身份Check our record 查记录Resident 居民National 国民Per capita 人均I

7、ndividuals 个人Personally个人/亲自Third party 第三方Ineligible符合资格Constraint 限制Based on 根据Audit trail t己录Escalate 上报In X copies 一式 X 份Law法律Regulation 条例Policy规定Mechanism 制度Guidance 指弓 ILocal/Intra-city 同城Inter-city 异地Cross-bank 跨行Universal cash saving/withdrawing 通存 /兑Local clearance session 同城交换Cheque-clear

8、ing facilities 支票结算服务Collect Pay 收付Payer付款人Payee收款人Beneficiary收款人/受益人Sign/signature 签字Co-sign 双签Figure小写Word大写Letter字母Check支票Promissory note 汇票Draft本票L/G(Letter of Guarantee) 保函L/C(Letter of credit) 信用证Recourse 追索Acceptance 承兑Endorsement 背书Collection 托收At sight见票即付On demand见索即付Note discount票据贝占现Tran

9、sfer of notes 票据转让 Immediate withdrawal 立即支付 Pull out/Cash in 兑现Bank run 挤兑Local peers国内同业International counterpart 国际同业Locally traded 国内交易Statement对帐单Checklist 清单Grace period 免息期Quotas额度Credit line授信额度Overdraft 透支Limit has been exceeded 超过限额Flat charge固定费用Credit account 进帐Debit account 出账Speculatio

10、n 投机Investment 投资Income/Revenue 收益Earning 收入Expense 支出Cost成本Offer发行Placing 配售Proportion 比例Subscribe 认购System generated 系统生成Conversion 转换Replace 替换Potential 潜力Sell-off 抛售Liquidation 清盘Per-printed事先印好的Risk disclosure 风险提示The buck stops here 责任至 U止匕Reap profit收获利润Risk weighting 风险系数Suffer loss 亏损Cover

11、the loss补偿损失Risk exposure 风险敞口Treasury Bill短期国债Treasury note中期国债Treasury bond长期国债Forecast 预期Constant稳定/不变Sustainability 持续Uncertainly 不确定Swap fixed return 固定收益Floating return 浮动收益Margin利润率Yield收益率Spare money 闲钱Capital protected investments 保本投资产品Term loan定期贷款Housing loan住房贷款Lending rate贷款利率Non-perfo

12、rming loan 不良贷款Crisis坏账Hedging 对冲Proceeds 款项Debtor债务人Creditor债权人Security 担保Guarantee被担保人Guarantor担保人Pledge质押Mortgage 抵押Approve 批准Process the application 处理过程Formalities正式程序Normally 正常Assess评估Default 违约Pledged 保证Safety安全性Profitability 盈利性Liquidity 流动性Legal person 法人Capital 资本Current 流水Turnover营业额Join

13、t venture合资企业Foreign founded enterprise 夕卜资企业 Self-employed 个体户PLC公共公司SME中小企业Middle market中型企业Corporate大型企业Global MNC 跨国企业Incorporate locally 本地注册 Registered capital 注册资本金 Operating capital 运营资金 ROE (return on asset)资本回报率 ROA (return on equity)资产回报率 Incorporation 企业化Pillar industry 支柱产业Overdraft fac

14、ility 融资便利Account firm 会计师事务所 Law firm律师事务所Tax authority税务部门Financial institutions 金融机构CAR资本充足率Monetary policy 货币政策Financial leverage 经济杠杆Supply供应Demand需求Budgeting 预算Auditing 决算Equity market 股市Shareholder 股东Retail investors 散户Annual report 年报Joint stock reform 股改Industry insiders 业内人士All-time highs

15、创纪录高点 Be round corner 接近Peak顶点Modestly 微调Acceleration 力口速In good shape处在良好轨道Standpoint 基调Prospect 前景 Restrain 抑制Rally反弹Recession 衰退Slowdown 放缓Recovery 复苏Booming 兴旺Actively traded 交投活跃Soft landing 软着陆Hard landing 硬着陆CPI消费价格指数GDP国内生产总值IPO(Initial public offering)首次公开招股QDII合格境内投资机构Consensus 普遍List pric

16、e 标价Wrap up总结Bubble泡沫Shanghai composite index 上证综合指数Channel 渠道Management committee 管理委员会Technical assistance 技术帮助Experts 专家Consultants/advisor 顾问Strategic transition 战略转型Allied markets 同业市场Strategic partners 战略合作者Dingy 小气Unreasonable不可理喻Hold it打住(说话)Know of听说过Niche细分Verify signature against specimen. 根据预留印鉴检验签字。Put yourself in the shoes of the others. 换位思考。Increase in charge by 10% 增加了 10% 的费用 decrease in charge to 10% 减少至U 10% 的费用We only accept local passbook.我们只接受本地存折。Gi