银行英语术语大全

1、rate of deposit turnover存款周转率loan-deposit ratio存放款比率self-owned capital ratio自有资本比率output-capital ratio产出与资本的比率ratio of profit to capital收益同资本的比率turnover of account receivable应收帐款周转率ratio of doubtful loans to total loans坏帐比率fixed assets ratio固定资产比率fixed assets turnover ratio固定资产周转率current ratio流动比率tu

2、rnover ratio of working capital流动资本周转率liquidity of bank银行资产流动性payment reserve支付准备internal reserves内部准备金graduated reserve requirement分级法定准备金ratio of cash reserves to deposits存款支付准备率initial reserve初期准备金offset reserve坏帐准备金allowance for doubtful debt备抵呆帐款项reserve requirements法定存款准备金reserve ratio法定存款准备金比

3、率required reserve ratio法定准备率minimum reserve ratio法定最低准备比率additional reserve追加准备金guaranteed fund保证准备金reserve margin准备金比率unbalance finance赤字财政red balance赤字差额repressed inflation抑制性通货膨胀shortage of financial resources财源短缺galloping inflation恶性通货膨胀monetary and financial crisis货币金融危机deflation通货紧缩inflation通货

4、膨胀inflation rate通货膨胀率inflationary trends通货膨胀趋势monetary stringency银根奇紧slack of finance银根松缓stagflation滞胀demand pull inflation需求拉动通货膨胀demand shift inflation需求变动型通货膨胀latent inflation潜在的通货膨胀inflationary spiral螺旋式上升的通货膨胀neutrality of the central bank中央银行的中立性counter-inflation policy反通货膨胀对策open market polic

5、y公开市场政策deficit-covering finance赤字财政fiscal and monetary policy财政金融政策harmony of fiscal and monetary policies财政政策和金融政策的协调interest rate policy利率政策monetary device金融调节手段monetary action金融措施measures for monetary ease金融缓和措施easy credit放松信贷monetary and credit control货币信用管理deficit covering弥补赤字restrictive lendin

6、g policy贷款紧缩政策over-loan position贷款超额credit expansion信用扩张credit control instrument信用调节手段credit control信用控制restrictive monetary policy紧缩通货膨胀credit extending policy融资方针ultra-cheap money policy超低息政策financial transaction金融业务2 / 59monetary market金融市场financial unrest金融动荡financial crisis金融危机financial system

7、金融体系financial world金融界policy of discount window窗口指导政策open market operation公开市场业务accrued bond interest应计债券利息accrued dividend应计股利active securities热头股票，活跃的证券baby bond小额债券bear operation卖空行为black market黑市black money黑钱bond fund债券基金call for funds控股、集资call market活期存款市场capital market信贷市场、资本市场capital resource

8、s资本来源capital surplus资本盈余capital transfer资本转移capital turnover rate资本周转率cash audit现金审核cash basis现金制cash basis accounting现金收付会计制cash budget现金预算cash flow资金流动cash holdings库存现金cash payment现金支付cash position头寸cash resources (reserves)现金准备common fund共同基金common trust fund共同信托基金current fund流动基金deposit turnover

9、存款周转率derived deposit派生存款designated currency指定货币discount market贴现市场discounted cash flow净现金量due from other funds应收其他基金款due to other funds应付其他基金款equalization fund（外汇）平衡基金farm subsidies农产品补贴fund资金、基金fund account基金帐户fund allocation基金分配fund appropriation基金拨款fund balance基金结存款fund for relief救济基金fund for spe

10、cial use专用基金fund in trust信托基金fund liability基金负债fund obligation基金负担fund raising基金筹措funds statement资金表general fund普通基金gross cash flow现金总流量hedge fund套利基金hoarded money储存的货币legal tender法定货币monetary aggregates货币流通额monetary area货币区monetary assets货币性资产monetary base货币基础monetary circulation货币流通monetary ease银根

11、松动monetary stringency银根紧monetary unit货币单位money collector收款人money credit货币信用money down付现款money equivalent货币等价money-flow analysis货币流量分析near money准货币neutral money中介货币provident fund准备基金public audit公开审计public money公款short-term funds短期资金sinking fund偿债基金soft currency软币subsidy account补助金帐户transfer to reserv

12、e account转到准备金帐户transferable money可转帐货币trust bank信托银行trust fund信托基金withdrawal from circulation（货币）回笼withdrawal of bank notes钞票回笼withdrawal of funds资金回收banker's bank中央银行banks with business dealing with the central bank中央银行的往来银行foreign banks外国银行local bank地方银行overseas branches国外分行foreign correspond

13、ent国外代理银行nationalized bank国有化银行national bank国家银行bank of the government政府的银行city bank城市银行credit union信用合作社operating bank营业银行consortium bank银团银行ordinary bank普通银行our bank开户银行establishing bank开证银行intermediary bank中间银行certifying bank付款保证银行paying bank付款银行appointed bank外汇指定银行correspondent代理行main bank主要银行re

14、mitting bank汇出银行Giro bank汇划银行remittance bank汇款银行negotiating bank议付银行issue bank发行银行bank of deposit存款银行rediscount bank再贴现银行agent for collection托收代理银行collecting bank托收银行mortgage bank抵押银行selling bank卖方银行requesting bank委托开证银行transmitting bank转证银行trustee bank受托银行domestic correspondent国内通汇银行loan bank放款银行ac

15、cepting bank承兑银行confirming bank保兑银行discounting bank贴现银行creditor bank债权银行debtor bank借方银行advising bank通知银行acceptance bank票据承兑行clearing bank清算银行presenting bank提示银行affiliated bank联行long-term credit bank长期信用银行specialized foreign exchange bank外汇专业银行member bank会员银行fringe bank边缘银行export and import bank进出口银行

16、managing bank of a syndicate财团的经理银行non-member bank非会员银行credit bank信贷银行chartered bank特许银行special bank特殊银行side-work bank兼业银行overseas bank海外银行popularity bank庶民银行banker's association银行协会infrastructure bank基本建设投资银行reserving bank储备银行savings bank储蓄银行multinational bank跨国银行world bank世界银行Asian Development

17、 Fund (ADB)亚洲开发银行Euro-bank欧洲银行International Investment Bank (IIB)国际投资银行interest subsidy利息补贴interest restriction利息限制legal interest法定利息public deposit政府存款derivative deposit派生存款special deposit特种存款reserve deposit准备存款bank deposit银行存款reserve account准备金帐户Bank of Communications交通银行Development Bank开发银行the Con

18、struction Bank of China中国建设银行the People's Bank of China中国人民银行Industrial and Commercial Bank of China中国工商银行Agricultural Bank of China中国农业银行China Investment Bank中国投资银行Bank of China中国银行the International Trust and Investment Corporation of China (ITICC)中国国际信托投资公司advice of drawing提款通知书draw提款drawee ba

19、nk付款银行drawing account提款帐户fixed savings withdrawal定期储蓄提款run on a bank银行挤兑outward remittance汇出汇款postal remittance邮政汇款remittance by draft汇票汇款remittance charges汇费telegraphic transfer (T/T)电汇collection of trade charges托收货款collection on clean bill光票托收collection on documents跟单托收collecting bank托收银行letter tr

20、ansfer信汇deposit rate存款利率external account对外帐户fixed deposit (=time deposit)定期存款fixed deposit by installment零存整取imprest bank account定额银行存款专户large deposit大额存款nominal deposit名义存款non-resident account非居民存款account charges账户费用"account current (A/C,a/c)"往来帐户amount in figures小写金额amount in words大写金额ap

21、plication form for a banking account银行开户申请书bank balance存款余额Certificate of Deposits (CDs)大额定期存款单certificate of balance存款凭单checking account支票帐户。checking deposits支票存款，活期存款compound interest复利compound rate复利率deposit account存款帐户deposit at call通知存款deposit bank存款银行deposit money存款货币open an account开户personal

22、account个人帐户petty current deposit小额活期存款principal本金principal and interest本利provisional account临时帐户intermediate account中间帐户subaccount公帐户deposit account (D/A)存款帐户operation account交易帐户nominal account名义帐户sundry account杂项帐户revenue account收入帐户account number (A/N)帐号cash account现金帐户loan account贷款帐户uninscribed

23、 deposit不记名存款check deposit支票存款corporate deposits法人存款financial institutions' deposit同业存款personal deposit私人存款domestic deposit国内存款deferred savings定期存款compound rate deposit复利存款commercial deposit商业存款short-term deposits短期存款ordinary deposit普通存款ordinary time deposit普通定期存款hot money deposits游资存款business s

24、avings企业储蓄voluntary savings自愿储蓄individual savings私人储蓄postal savings邮政储蓄installment savings零存整取储蓄saving account (S.A.)储蓄帐户savings deposit储蓄存款thrift encouragement储蓄鼓励daily interest日息interest per month月息interest on deposit存款利息interest per annum年息pure interest纯利息simple interest单利value date起息日demand-depo

25、sit or checking-accounts活期存款或支票帐户savings accounts储蓄存款帐户time-deposit accounts定期存款帐户certificates of deposit (CDs)大面额存款单commercial and industrial loans工商贷款agricultural loans农业贷款real estate loans不动产贷款personal loans个人贷款loans to financial institutions 金融机构贷款 loans to government政府贷款credit cards信用卡automated

26、 teller machines (24 hours a day)自动取款机（24小时服务）bill-paying services代付帐款automatic transfers between accounts自动转帐telephone transfers电话转帐safety deposit boxes保管箱trust services信托业务financial advising services金融咨询服务securities underwriting services证券承销业务cash management services现金管理业务equipment leasing service

27、s设备租赁业务securities brokerage services证券经纪业务insurance services保险业务real estate brokerage services不动产经纪业务foreign exchange services外汇业务international banking services国际银行业务conservatism and liquidity稳健性与流动性flexibility and mobility灵活性与机动性bank balance over required reserves超出法定（必备）储备的银行存款余额minimum cash requi

28、rements最低现金持有量（需求）time lag时滞self-liquidated loans自偿性商业贷款"tax anticipation note (bill,bond)"预付税金票据，先期缴税债券business term loan企业长期贷款payment facilities支付服务设施working balance周转余额，往来余额working budget流动预算，经营预算，周转预算，业务预算commercial paper商业票据commercial paper house经营商业票据的商号savings and loan share account

29、s储蓄贷款协会的股金券savings and loan association储蓄与放款合作协会idle demand deposits闲置的活期存款idle capital闲置资本idle cash (money)闲散现金，游资long-term certificate of deposit长期存款单bread and butter business基本业务electronic debts电子借贷electronic transfer电子转帐electronic cash register电子收款机electronic accounting machine电子记帐机legal tender本

30、位货币，法定货币tender n. 货币，投、招标，提供，偿付social security payments支付社会保障金tender bond投标保证金teller's window (= teller' station)出纳窗口fiduciary field信用领域，信托领域fiduciary a. 信托的，信用的，受信托的（人）loss leader特价商品，亏损大项safe deposit facilities保险箱业务"principal (= drawer,consignor)"委托人parties to a collection托收各当事人r

31、emitting bank (= entrusting bank)托收行collecting bank代收行collection items托收业务，托收项目collection instructions委托（托收的）单据clean collections光票托收documentary collection跟单托收"Documents against Payment,D/P"付款交单"Documents against Acceptance,D/A"承兑交单accompany vt. 附带，伴随，陪同related documents有关单据docume

32、nt of title物权单据collection order托收委托书collection service托收服务collection risk托收风险entity n.单位，整体，个体outward documentary bill for collection出口跟单汇票，出口押汇inward documentary bill for collection进口跟单汇票，进口押汇（汇票）remittance n. 汇款remitting bank汇出行，汇款行remitter n.汇款人remit vt. 传寄，汇寄，送paying bank汇入行，付款行payee or benefici

33、ary受款人，收款人，受益人T/T (= Telegraphic Transfer)电汇M/T (= Mail Transfer)信汇D/D (Banker's Demand Draft)票汇open account business (= open account transaction)赊帐交易balance n. 结余，差额，平衡transfer n. 转让，划拨，转帐rate of deposit turnover存款周转率loan-deposit ratio存放款比率self-owned capital ratio自有资本比率output-capital ratio产出与资本

34、的比率ratio of profit to capital收益同资本的比率turnover of account receivable应收帐款周转率ratio of doubtful loans to total loans坏帐比率fixed assets ratio固定资产比率fixed assets turnover ratio固定资产周转率current ratio流动比率turnover ratio of working capital流动资本周转率liquidity of bank银行资产流动性payment reserve支付准备internal reserves内部准备金grad

35、uated reserve requirement分级法定准备金ratio of cash reserves to deposits存款支付准备率initial reserve初期准备金offset reserve坏帐准备金allowance for doubtful debt备抵呆帐款项reserve requirements法定存款准备金reserve ratio法定存款准备金比率required reserve ratio法定准备率minimum reserve ratio法定最低准备比率additional reserve追加准备金guaranteed fund保证准备金reserve

36、 margin准备金比率unbalance finance赤字财政red balance赤字差额repressed inflation抑制性通货膨胀shortage of financial resources财源短缺galloping inflation恶性通货膨胀monetary and financial crisis货币金融危机deflation通货紧缩inflation通货膨胀inflation rate通货膨胀率inflationary trends通货膨胀趋势monetary stringency银根奇紧slack of finance银根松缓stagflation滞胀deman

37、d pull inflation需求拉动通货膨胀demand shift inflation需求变动型通货膨胀latent inflation潜在的通货膨胀inflationary spiral螺旋式上升的通货膨胀neutrality of the central bank中央银行的中立性counter-inflation policy反通货膨胀对策open market policy公开市场政策deficit-covering finance赤字财政fiscal and monetary policy财政金融政策harmony of fiscal and monetary policies财

38、政政策和金融政策的协调interest rate policy利率政策monetary device金融调节手段monetary action金融措施measures for monetary ease金融缓和措施easy credit放松信贷monetary and credit control货币信用管理deficit covering弥补赤字restrictive lending policy贷款紧缩政策over-loan position贷款超额credit expansion信用扩张credit control instrument信用调节手段credit control信用控制re

39、strictive monetary policy紧缩通货膨胀credit extending policy融资方针ultra-cheap money policy超低息政策financial transaction金融业务monetary market金融市场financial unrest金融动荡financial crisis金融危机financial system金融体系financial world金融界policy of discount window窗口指导政策open market operation公开市场业务actual rate实际汇率adverse exchange逆汇

40、、逆汇兑appreciation of exchange rate汇率升值arbitrage of exchange套汇bank's buying rate银行买入价bank's selling rate银行卖出价base rate基本汇价broker经纪人，掮客brokerage经纪人佣金broker's loan经纪人贷款broking house经纪人事务所central rate中心汇率（一国货币对美元的汇率，并据此计算对其他货币的汇率）closing rate收盘价controlled rates控制的汇率conversion汇兑、兑换convertible

41、currency可兑换的货币devaluation of dollar美元贬值direct exchange直接汇兑domestic exchange国内汇兑dual exchange market双重外汇市场engage in arbitrage (to)套汇evasion of foreign currency逃汇exchange adjustment汇率调整exchange alteration更改汇率exchange arbitrage外汇套利exchange bank外汇银行exchange broker外汇经纪人exchange brokerage外汇经纪人佣金exchange b

42、usiness外汇业务exchange clearing agreement外汇结算协定exchange clearing system汇结算制exchange control外汇管制exchange competition外汇竞争exchange contract外汇成交单exchange convertibility外汇兑换exchange customs交易所惯例exchange depreciation外汇下降exchange dumping汇率倾销exchange fluctuations汇价变动exchange freedom外汇自由兑换exchange for forward d

43、elivery远期外汇业务exchange for spot delivery 即期外汇业务 exchange loss汇率损失exchange parity外汇平价exchange position外汇头寸exchange premium外汇升水exchange profit外汇利润exchange proviso clause外汇保值条款exchange quota system外汇配额制exchange rate汇价exchange rate fluctuations外汇汇价的波动exchange rate parity外汇兑换的固定汇率exchange restrictions外汇限制

44、exchange risk外汇风险exchange stability汇率稳定exchange reserves外汇储备exchange settlement结汇exchange surrender certificate外汇移转证exchange transactions外汇交易exchange value外汇价值exchange war外汇战export gold point黄金输出点favourable exchange顺汇fixed exchange rate固定汇率fixed par of exchange法定汇兑平价flexible exchange rate浮动汇率flexibi

45、lity of exchange rates汇率伸缩性floating exchange rate浮动汇率fluctuations in prices汇率波动foreign exchange certificate外汇兑换券foreign exchange crisis外汇危机foreign exchange cushion外汇缓冲foreign exchange earnings外汇收入foreign exchange liabilities外汇负债foreign exchange loans外汇贷款foreign exchange parity外汇平价foreign exchange qu

46、otations外汇行情foreign exchange regulations外汇条例foreign exchange reserves外汇储备foreign exchange restrictions外汇限制foreign exchange transaction centre外汇交易中心foreign exchange retaining system外汇留存制forward exchange期货外汇forward exchange intervention期货外汇干预forward exchange sold卖出期货外汇free foreign exchange自由外汇given ra

47、te已知汇率going rate现行汇率hedge套头交易hedge against inflation为防通货膨胀而套购hedge buying买进保值期货indirect arbitrage间接套汇indirect rate间接汇率limited floating rate有限浮动汇率loss on exchange汇兑损失low-currency dumping低汇倾销medium rate中间汇率mint parity法定平价offer rate卖出汇率official devaluation法定贬值official rate (of exchange)官方汇价payment of e

48、xchange结汇pegging固定汇率prevailing rate现行汇率profit or loss on exchange外汇买卖损益rationing of exchange外汇配售reexchange 回汇、退汇 short rate短期汇率shunting（美）套利、套汇single exchange rate单一汇率sliding peg（汇率）滑动钉住spot exchange现汇spot exchange rate单方面外汇买卖spot exchange transactions即期外汇业务surrender of exchange移存外汇tell quel exchang

49、e rate调整汇率total foreign exchange外汇收支总额two-tier exchange rate双重汇率exchange speculation外汇投机spot and forward prices即期与远期价格spot rate of exchange即期外汇汇率forward foreign exchange远期外汇汇率forward operation远期（经营）业务bid and ask prices买入和卖出价bid price = buying price买价ask price = asking price = offer price = selling p

50、rice出售价，报价，开价，出价European terms欧洲标价法American terms美国标价法interbank market银行同业市场bid and ask spread买卖差价spread差额，利差，利润幅度spread between domestic and overseas interest rates国内外利润差额deutsche marks (=DM)西德马克retail transaction零售交易rate of deposit turnover存款周转率loan-deposit ratio存放款比率self-owned capital ratio自有资本比率

51、output-capital ratio产出与资本的比率ratio of profit to capital收益同资本的比率turnover of account receivable应收帐款周转率ratio of doubtful loans to total loans坏帐比率fixed assets ratio固定资产比率fixed assets turnover ratio固定资产周转率current ratio流动比率turnover ratio of working capital流动资本周转率liquidity of bank银行资产流动性payment reserve支付准备i

52、nternal reserves内部准备金graduated reserve requirement分级法定准备金ratio of cash reserves to deposits存款支付准备率initial reserve初期准备金offset reserve坏帐准备金allowance for doubtful debt备抵呆帐款项reserve requirements法定存款准备金reserve ratio法定存款准备金比率required reserve ratio法定准备率minimum reserve ratio法定最低准备比率additional reserve追加准备金gu

53、aranteed fund保证准备金reserve margin准备金比率unbalance finance赤字财政red balance赤字差额repressed inflation抑制性通货膨胀shortage of financial resources财源短缺galloping inflation恶性通货膨胀monetary and financial crisis货币金融危机deflation通货紧缩inflation通货膨胀inflation rate通货膨胀率inflationary trends通货膨胀趋势monetary stringency银根奇紧slack of finance银根松缓stagflation滞胀demand pull inflation需求拉动通货膨胀demand shift inflation需求变动型通货膨胀latent inflation潜在的通货膨胀inflationary spiral螺旋式上升的通货膨胀neutrality of the central ba