2020年常见银行英语词汇

1、（金融保 险）常见银 行英语词汇20xx年xx月多年的企业涔询顾诩遢,经过实战脸证可以落地抑亍的卓越管理方案，值得您下戟用m常见银行英语词汇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deposit receipt 存款收据certificate of deposit 存单deposit book, passbook 存 折principal 本金overdraft, overdraw 透支to counter sign 双签to endorse 背书endorse

2、r 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outstanding cheque 未付支票canceled cheque 已付支票forged cheque 伪支票bandar's not

3、e 庄票，银票president 行长chase bank 大通银行national city bank of newyork 花旗银行hongkong shanghaibanking 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bank of issue, bank ofcirculation 发行币银行member bank, credit bank储蓄信贷银行discount bank 贴现银行exchange bank 汇兑银行reque

4、sting bank 委托开证银行issuing bank, opening bank开证银行advising bank, notifyingbank 通知银行negotiation bank 议付银行confirming bank 保兑银行paying bank 付款银行associate banker ofcollection 代收银行consigned banker ofcollection 委托银行clearing bank 清算银行unincorporated bank 钱庄branch bank 银行分行trustee savings bank 信托储蓄银行trust compan

5、y 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 creditcompany(discountcompany) 商业信贷公司(贴现公司)neighborhood savingsbank, bank of deposit 街道储蓄所credit union 合作银行credit bureau 商业兴信所land bank 土地银行construction bank 建设银行(eximbank) 进出口银行industrial and com

6、mercialbank 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, buildingsociety 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, acceptingbank 承兑银行investment bank 投资银行import and ex

7、port bankjoint venture bank 合资银行money shop, native bank钱庄credit cooperatives 信用社clearing house 票据交换所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surplus 结余idle capital 游资economic boom

8、 经济繁荣economic recession 经济衰退economic depression 经济萧条economic recovery 经济复苏devaluation 货币贬值revaluation 货币增值international balance ofpayment 国际收支favourable balance 顺差adverse balance 逆差hard currency 硬通货soft currency 软通货 international monetarysystem 国际货币制度the purchasing power ofmoney 货币购买力money in circul

9、ation 货币流通量note issue 纸币发行量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角)套汇间接（cross rate, arbitrage rate 套汇汇率foreign currency (exchange)reserve 外汇储备foreign exchangefluctuation 外汇波动foreign exchange crisis 外汇危机discount rate, bank rate

10、 贴现率national gross product 国 money (financial) market民生产总值金融市场gold reserve 黄金储备stock exchange 股票交易所broker 经纪人commission 佣金bookkeeping 簿记bookkeeper 簿记员an application form 申请单bank statement 对帐单letter of credit 信用证strong room, vault 保险库equitable tax system 等价税则specimen signature 签字式样banking hours, busi

11、nesshours 营业时间常见职位、 职务英文译名accountingstall会计部职员accounting supervisor会计主管administrative clerk 行政办事员advertising staff 广告工作人员airlines salesrepresentative 航空公司定座员assistant manager副经理bond analyst 证券分析员bond trader 证券交易员business controller 业务主任business manager 业务经理cashier 出纳员civil engineer 土木工程师clerk/recept

12、ionist 职员接待员copywriter 广告文字撰稿人deputy generalmanager/president总经manager副总经理理economicresearchhardware engineer (计assistant经济研究助理算机）硬件工程师electricalengineer 电气import liaison staff 进工程师口联络员engineeringtechnicianinsurance actuary 保险工程技术员公司理赔员englishinternationalsales staffinstructor/teacher英语教国际销售员师legal a

13、dviser 法律顾问export sales managerline supervisor 生产线主外销部经理管financialcontroller 财务maintenance engineer主任维修工程师f.x. (foreign exchange)management consultantclerk 外汇部职员管理顾问f.x. settlement clerkmanufacturingengineer外汇部核算员制造工程师fund manager 财务经理market analyst 市场分析general auditor 审计长员generalmarket developmentm

14、anager 市场开发部经理marketing executive 销售主管marketingrepresentative销售代表marketingrepresentativemanager 市场调研部经理mechanical engineer 机械工程师mining engineer 采矿工程师naval architect 造船工程师office clerk 职员operational manager 业务经理package designer 包装设计师passenger reservationstaff 乘客票位预订员plant/factory manager厂长promotional

15、manager推销部经理proof-reader 校对员purchasingagent采购（进货）员real estatestaff房地产职员recruitment coordinator招聘协调人regional manger 地区经理sales coordinator 销售协调人school registrar 学校注册主任securities custody clerk保安人员seniorconsultant/adviser 高级顾问simultaneous interpreter同声传译员trade finance executive贸易财务主管trainee manager 培训部经

16、理trust banking executive银行高级职员常用金融英语词汇的翻译acquiring company 收购公司bad loan 呆帐chart of cash flow 现金流量表clearly-establishedownership 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 financialarchitecture 全球金

17、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 one's "twocommas" 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

18、 lending拆借internet customer 网上客户investment payoffperiod 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 socialpool for major diseases 大病医疗费用社会统筹mergers andacquisitions 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o

19、nline-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 tra

20、de 转手贸易take public_t市tap the idle assets 盘活存量资产transaction （银行的）交易transfer payment from theexchequer 财政转移支付venture-capital 风险资本virtual bank 虚拟银行wire transfer 电子转帐国际会计术语英汉对照account 帐户american institute of cpas美国注册会计师协会audit 审计balance sheet 资产负债表bookkeepking 簿记cash flow prospects 现金流量预测certificate in

21、internalauditing 内部审计证书certificate in managementaccounting 管理会计证书certificate publicaccountant 注册会计师external users 外部使用者financial accounting 财务会计financial accountingstandards board 财务会计准则委员会financial forecast 财务预测generally acceptedaccounting principles 公认会计原则general-purposeinformation 通用目的信息governmen

22、t accountingoffice 政府会计办公室income statement 损益表institute of internalauditors 内部审计师协会institute of managementaccountants 管理会计师协会integrity 整合性internal auditing 内部审计internal control structure内部控制结构internal revenue service国内收入署return of investment 投资回报return on investment 投资报酬securities and exchangecommis

23、sion 证券交易委员会statement of cash flow 现金流量表statement of financialposition 财务状况表tax accounting 税务会计accounting equation 会计等式articulation 勾稽关系business entity 企业个体capital stock 股本cost principle 成本原则creditor 债权人deflation 通货紧缩disclosure 批露financial statement 财务报 表financial activities 筹资活动going-concern assump

24、tion 持续经营假设liabilities 负债negative cash flow 负现金流量operating activities 经营活 动owner's equity 所有者权益partnership 合伙企业positive cash flow 正现金流 量retained earning 留存利润revenue 收入sole proprietorship 独资企业solvency 清偿能力stable-dollar assumption稳定货币假设stockholders 股东stockholders' equity 股东权益window dressing 门面

25、粉饰经济金融术语汉英对照表按可比口径on comparablebasis按轻重缓急to prioritize暗补implicit subsidy暗亏hidden loss颁发营业执照to license;togrant a licence to办理存款业务to takedeposits保护农民的生产积极性 toprotect farmers'incentiveto produce备付金 （超额准备金） excessreserves本外币并账consolidationof domestic and foreigncurrencyaccounts本外币对冲操作sterilizationop

26、eration本位利益 localizedinterest;departmentalism奔小康 to strive toprosper;to strive tobecome well-to-do避税（请见“逃税”） taxavoidance币种搭配不当 currencymismatch币种构成 currencycomposition变相社会集资 disguisedirregular ( or illegal ) fundraising表外科目(业务)off-balance-sheet items( operation )薄弱环节weaknesses;loopholes不变成本 fixed c

27、ost不变价at constant price;inreal terms不动产real estate不良贷款 problem loans ；non-performing loans财务公司financecompanies财政赤字fiscal deficit财政挤银行fiscal pressureon the central bank ( overmonetary policy )财政政策与货币政策的配合coordination of fiscal andmonetary policies采取循序渐进的方法 in aphased and sequencedmanner操作弹性operationa

28、lflexibility操纵汇率to manipulateexchange rate产品构成productcomposition;product mix产品积压stockpile;excessive inventory产销率 current periodinventory; (即期库存，不含前期库存) sales/output ratio产销衔接marketability产业政策industrial policy长期国债treasury bonds敞口头寸open position炒股 to speculate in thestock market承购包销 underwrite（ securi

29、ties ）成套机电产品 complete setsof equipment;completeplant （ s）城市信用社urban creditcooperatives （ uccs ）城市合作银行urbancooperativebanks;municipal unitedbanks城市商业银行municipalcommercial banks城乡居民收入增长超过物价涨幅 real growth inhousehold income持续升温persistentoverheating重复布点duplicate projects重置成本replacementcost重组计划restructur

30、ingplan筹资渠道fundingsources;financing channels初见成效 initial success出口统一管理、归口经营canalization of exports出口退税export tax rebate储蓄存款householddeposits （不完全等同于西方的 savingsdeposits ，前者包括活期存款，后者不包括。）储蓄分流 diversion of household deposits储源萎缩 decline in the availability of household savings传导机制 transmission mechanis

31、m从价税 ad valorem tax从紧控制 tight control存贷款比例 loan/depositratio存款保险体系depositinsurance system存款货币银行depositmoney banks存款准备金requiredreserves打白条 issue iou大额存单certificate ofdeposit (cd)大额提现withdrawdeposits in large amounts大面积滑坡wide-spreaddecline大一统的银行体制(all-in-one) mono-banksystem呆账(请见“坏账”) badloans呆账准备金loa

32、n lossreserves (provisions)呆滞贷款idle loans贷款沉淀non-performingloans贷款分类loan classification贷款限额管理creditcontrol;to impose credit ceiling贷款约束机制 creditdisciplinary (constraint) mechanism代理国库 to act as fiscal agent代理金融机构贷款makeloans on behalf of other institutions戴帽贷款ear-marked loans倒逼机制reversedtransmission

33、of thepressure for easing monetary condition 道德风险moral hazard地区差别regional disparity第一产业the primaryindustry第二产业the secondaryindustry第三产业the serviceindustry;the tertiaryindustry递延资产deferrable assets订货不足insufficient orders定期存款time deposits定向募集raising fundsfrom targeted sources东道国 (请见“母国”) hostcountry独立

34、核算independentaccounting短期国债treasury bills对冲操作sterilizationoperation;hedging对非金融部门债权claims onnon-financial sector多种所有制形式 diversifiedownership恶性通货膨胀hyperinflation二级市场 secondary market发行货币 to issue currency发行总股本total stock issue法定准备金requiredreserves;reserverequirement法人股 institutional shares法人股东 instit

35、utionalshareholders法治 rule of law房地产投资real estateinvestment放松银根 to ease monetarypolicy非现场稽核off-sitesurveillance (or monitoring)非银行金融机构 non-bankfinancial institutions非赢利性机构 non-profitorganizations分税制 assignment ofcentral and local taxes;taxassignment system分业经营 segregation offinancial business (servi

36、ces);division of business scopebased on the type offinancial institutions风险暴露(风险敞口) riskexposure风险管理risk management风险意识risk awareness风险资本比例 risk-weightedcapital ratios风险资本标准risk-basedcapital standard服务事业收入public servicecharges;user's charges扶贫 poverty alleviation负增长 negative growth复式预算制 double-e

37、ntrybudgeting;capital andcurrent budgetary account改革试点 reformexperimentation杠杆率 leverage ratio杠杆收购leveraged buyout高息集资to raise funds byoffering high interest个人股 non-institutionalshares根本扭转 fundamentalturnaround (or reversal)公开市场操作open marketoperations公款私存deposit publicfunds in personal accounts公用事业p

38、ublic utilities公有经济the state-ownedsector;the public sector公有制 public ownership工业成本利润率profit-to-cost ratio工业增加值industrial valueadded供大于求 supply exceedingdemand;excessive supply鼓励措施 incentives股份合作企业joint-equitycooperative enterprises股份制企业joint-equityenterprises股份制银行joint-equitybanks固定资产贷款fixed assetlo

39、ans关税减免tariffreductionand exemption关税减让tariffconcessions关税优惠tariffincentives;preferential tarifftreatment规范行为 to regularize (orstandardize) behavior规模效益economies ofscale国计民生national interestand people's livelihood国家对个人其他支出 othergovernment outlays toindividuals国家风险country risk国际分工internationaldiv

40、ision of labor国际收支balance ofpayments国有独资商业银行whollystate-owned commercialbanks国有经济(部门) thestate-owned (or public)sector国有企业 state-ownedenterprises (soes)国有制state-ownership国有资产流失erosion ofstate assets国债回购governmentsecurities repurchase国债一级自营商primaryunderwriters ofadjustment)government securities过度竞争 e

41、xcessivecompetition过度膨胀excessiveexpansion过热迹象signs ofoverheating合理预期rationalexpectation核心资本core capital合资企业joint-ventureenterprises红利 dividend宏观经济运营良好soundmacroeconomicperformance宏观经济基本状况macroeconomicfundamentals宏观调控 macroeconomicmanagement (or宏观调控目标macroeconomic objectives(or targets)坏账 bad debt还本付

42、息debt service换汇成本unit exportcost;local currency cost ofexport earnings汇兑在途funds in float汇兑支出advance paymentof remittance by thebeneficiary's bank汇率并轨unification ofexchange rates活期存款demand deposits汇率失调exchange ratemisalignment混合所有制 diversified(mixed) ownership货币政策态势monetarypolicy stance货款拖欠 overd

43、ueobligations to suppliers基本建设投资investment ininfrastructure基本经济要素economicfundamentals基本适度broadlyappropriate基准利率benchmarkinterest rate机关团体存款deposits ofnon-profit institutions机会成本 opportunity cost激励机制incentivemechanism积压严重heavystockpile;excessiveinventory挤提存款run on banks挤占挪用unwarranteddiversion of (fi

44、nancial)resources (from designateduses)技改投资 investment intechnological upgrading技术密集型产品technology-intensiveproduct计划单列市municipalitieswith independent planningstatus计划经济planned economy集体经济the collectivesector加大结构调整力度tointensify structuraladjustment加工贸易 processing trade加快态势accelerating trend加强税收征管稽查to

45、enhance tax administration加权价weighted averageprice价格放开 priceliberalization价格形成机制 pricingmechanism减亏 to reduce losses简化手续 to cut red tape;tosimplify (streamline)procedures交投活跃 brisk trading缴存准备金to depositrequired reserves结构扭曲structuraldistortion结构失调structuralimbalance结构性矛盾突出 acutestructural imbalance

46、结构优化structuralimprovement (optimization)结汇、售汇sale andpurchase of foreignexchange金融脆弱 financial fragility金融动荡 financialturbulence金融风波financialdisturbance金融恐慌financialpanic金融危机financialcrisis金融压抑financialrepression金融衍生物 financialderivatives金融诈骗financial fraud紧缩银根to tightenmonetary policy紧缩政策austerityp

47、olicies;tight financialpolicies经常账户可兑换currentaccount convertibility经济特区 special economiczones (sezs)经济体制改革 economicreform经济增长方式的转变changein the main source ofeconomic growth (frominvestment expansion toefficiency gains)经济增长减速economicslowdown;moderation ineconomic growth经济制裁 economicsanction经营自主权auton

48、omy inmanagement景气回升 recovery inbusiness activity境外投资overseasinvestment竞争加剧intensifyingcompetition局部性金融风波localized(isolated) financialdisturbance开办人民币业务to engagein rmb business可维持(可持续)经济增长sustainable economicgrowth可变成本 variable cost可自由兑换货币 freelyconvertible currency控制现金投放controlcurrency issuance扣除物价

49、因素in realterms;on inflation-adjustedbasis库存产品 inventory跨国银行业务cross-borderbanking跨年度采购 cross-yearprocurement会计准则accountingstandard来料加工processing ofimported materials forexport离岸银行业务off-shorebanking (business)理顺外贸体制to rationalizeforeign trade regime利率杠杆的调节作用 therole of interest rates inresource alloca

50、tion利润驱动profit-driven利息回收率interestcollection ratio联行清算inter-banksettlement连锁企业franchise(businesses); chainbusinesses良性循环virtuous cycle两极分化growing incomedisparity;polarization inincome distribution零售物价指数retail priceindex (rpi)流动性比例liquidity ratio流动资产周转率/ 流通速度velocity of liquid assets流动资金贷款workingcapi

51、tal loans流通体制distributionsystem流通网络distributionnetwork留购(租赁期满时承租人可购买租赁物) hire purchase垄断行业 monopolizedindustry (sector)乱集资 irregular (illegal)fund raising乱收费irregular (illegal)charges乱摊派unjustified(arbitrary) levies买方市场buyer's market卖方市场seller's market卖出回购证券matched sale of repo贸易差额 trade bal

52、ance 民间信用non-institutionalized credit 免二减三 exemption of income tax for the first two years ofmaking profit and 50% tax reduction for thefollowing three years 明补explicit subsidy明亏explicit loss名牌产品 brand products 母国(请见“东道国”)home country内部控制internal control内部审计internal audit内地与香港themainlandand hong kong 内债 domestic debt 扭亏为盈 to turn a loss-making enterprise into a profitable one扭曲金融分配distortedallocation of financialresources农副产品采购支出 outlaysfor agriculturalprocurement农村信用社rural creditcoope