常用银行专业词汇

1、mergers and acquisitions并购银行专业词汇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 汇率机制全球金融体系全球一体化，全球化fund and financing 筹资融资global financial architecture

2、 global integration, globality 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inter

3、net customer网上客户investment payoff period投资回收期joint-stock 参股mall rat 爱逛商店的年轻人大病医疗费用社会统筹means of production生产要素(the)medical cost social pool for major diseasesmobile-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 p

4、rofit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take public上市tap the idle assets盘活存量资产财政转移支付tran

5、saction （银行的）交易transfer payment from the exchequer 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 car

6、d 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cas

7、h 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 Shanghai Banking Corporation汇丰银行Chartered Bank of India, Aust

8、ralia 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requesting bank 委托开证银行issuing bank, opening bank开证银行advising bank

9、, 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finan

10、cial 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 ba

11、nk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 (E

12、XIMBANK)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,

13、 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 bala

14、nce 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