常见银行英语词汇金融术语.docx

常见银行英语词汇金融术语.docx

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常见银行英语词汇金融术语

常见银行英语词汇金融术语accountnumber帐目编号depositor存户pay-inslip存款单adepositform存款单abandingmachine自动存取机todeposit存款depositreceipt存款收据privatedeposits私人存款certificateofdeposit存单depositbook,passbook存折creditcard信用卡principal本金overdraft,overdraw透支tocountersign双签toendorse背书endorser背书人tocash兑现tohonoracheque兑付todishonoracheque拒付tosuspendpayment止付cheque,check支票chequebook支票本ordercheque记名支票bearercheque不记名支票crossedcheque横线支票blankcheque空白支票rubbercheque空头支票chequestub,counterfoil票根cashcheque现金支票traveler'scheque旅行支票chequefortransfer转帐支票outstandingcheque未付支票canceledcheque已付支票forgedcheque伪支票Bandar'snote庄票，银票banker银行家president行长savingsbank储蓄银行ChaseBank大通银行NationalCityBankofNewYork花旗银行HongkongShanghaiBankingCorporation汇丰银行CharteredBankofIndia,AustraliaandChina麦加利银行BanquedeI'IndoChine东方汇理银行centralbank,nationalbank,banker'sbank中央银行bankofissue,bankofcirculation发行币银行commercialbank商业银行，储蓄信贷银行memberbank,creditbank储蓄信贷银行discountbank贴现银行exchangebank汇兑银行requestingbank委托开证银行issuingbank,openingbank开证银行advisingbank,notifyingbank通知银行negotiationbank议付银行confirmingbank保兑银行payingbank付款银行associatebankerofcollection代收银行consignedbankerofcollection委托银行clearingbank清算银行localbank本地银行domesticbank国内银行overseasbank国外银行unincorporatedbank钱庄branchbank银行分行trusteesavingsbank信托储蓄银行trustcompany信托公司financialtrust金融信托公司unittrust信托投资公司trustinstitution银行的信托部creditdepartment银行的信用部commercialcreditcompany（discountcompany）商业信贷公司（贴现公司）neighborhoodsavingsbank,bankofdeposit街道储蓄所creditunion合作银行creditbureau商业兴信所self-servicebank无人银行landbank土地银行constructionbank建设银行industrialandcommercialbank工商银行bankofcommunications交通银行mutualsavingsbank互助储蓄银行postofficesavingsbank邮局储蓄银行mortgagebank,buildingsociety抵押银行industrialbank实业银行homeloanbank家宅贷款银行reservebank准备银行charteredbank特许银行correspondingbank往来银行merchantbank,acceptingbank承兑银行investmentbank投资银行importandexportbank（EXIMBANK）进出口银行jointventurebank合资银行moneyshop,nativebank钱庄creditcooperatives信用社clearinghouse票据交换所publicaccounting公共会计businessaccounting商业会计costaccounting成本会计depreciationaccounting折旧会计computerizedaccounting电脑化会计generalledger总帐subsidiaryledger分户帐cashbook现金出纳帐cashaccount现金帐journal,day-book日记帐，流水帐baddebts坏帐investment投资surplus结余idlecapital游资economiccycle经济周期economicboom经济繁荣economicrecession经济衰退economicdepression经济萧条economiccrisis经济危机economicrecovery经济复苏inflation通货膨胀deflation通货收缩devaluation货币贬值revaluation货币增值internationalbalanceofpayment国际收支favourablebalance顺差adversebalance逆差hardcurrency硬通货softcurrency软通货internationalmonetarysystem国际货币制度thepurchasingpowerofmoney货币购买力moneyincirculation货币流通量noteissue纸币发行量nationalbudget国家预算nationalgrossproduct国民生产总值publicbond公债stock,share股票debenture债券treasurybill国库券debtchain债务链directexchange直接（对角）套汇indirectexchange间接（三角）套汇crossrate,arbitragerate套汇汇率foreigncurrency（exchange）reserve外汇储备foreignexchangefluctuation外汇波动foreignexchangecrisis外汇危机discount贴现discountrate,bankrate贴现率goldreserve黄金储备money（financial）market金融市场stockexchange股票交易所broker经纪人commission佣金bookkeeping簿记bookkeeper簿记员anapplicationform申请单bankstatement对帐单letterofcredit信用证strongroom,vault保险库equitabletaxsystem等价税则specimensignature签字式样bankinghours,businesshours营业时间minimumpaid-upsharecapital最低实缴股本reciprocity互惠correspondingbank代理行liaisonoffice联络办公室moratorium延期偿付权legislation法规innovation改革underwriting包销merge合并portfolio资产组合unittrust单位投资信托arbitrage套汇capitaladequacyratio资本充足率derivative金融衍生工具maturity到期日deregulation放松管制redemption兑现certificatesofindebtedness债务证书linkedexchangerate联系汇率accountingarrangements会计安排resumptionofsovereign收回主权holdingcompany控股公司privileges特权legaltender法币mediumofexchange交换媒介deferredpayment延期支付facevalue面值mintage铸币homogeneity同质权fiatmoney不兑换纸币，名义纸币negotiablecertificatesofdeposits  大额转让存单narrowly-defined狭义定义的broadly-defined   广义定义的requiredreserve法定准备金excessreserve超额准备金monetarybase货币｛流通｝基础openmarketoperations公开市场操作auction拍卖non-intervention不干涉主义netbalance净差｛余｝额advance贷款retainedearnings留存收益risk-weightedassets风险加权资产off-balancesheetitems表外业务项目collateral抵押claims债权denominate面值residualmaturity剩余期限mortgage住房抵押arrears拖欠尾数default违约on-balancesheetitems表内业务contingency意外开支repurchaseagreement回购协议recourse追索权irrevocable不可撤消rediscounting在贴现marketriskexposure市场风险position头寸debt-to-equityratio资产负债比率treasurebond国库券leasing租赁moneylaundering洗钱treasurebill国库券bankruptcy破产creditsecuritization信用证券化realtimegrosssettlement实时全额清算off-shore离岸clearingbank清算行discounthouse贴现行privilegedposition最优惠头寸buildingsociety建房协会JapaneseBigBang日本金融改革dualbankingsystem双轨银行制度wiretransfer电子转帐laissez-faire自由放任主义negotiable可流通的installment分期付款benchmark基准利率turnover成交额outstanding未付的infavourof以^为受益人promissorynote本票unsecured无担保的primerate最优惠利率preferenceshare优先股ordinaryshare普通股warrant认股权currentmarketvalue当期市值optioncontract期权合同hedging套期保值ProvidentFund福利基金beneficiary受益人collectingbank代收行code代号，代码，密码unclearedcheque未清偿支票invoice发票credittransfer信用转帐endorsement背书bearer持票人defectivetitle有瑕疵的所有权downpayment首付款traveller'scheque旅行支票bearerbonds不记名债券crossedcheque划线支票countersign联署payingbank付款行transferable可转让holderinduecourse正当持票人holderinvalue有代价持票人overdue过期dishonouredcheque拒付支票reporepurchaseagreement回购协议countermand  取消garnisheeorder向第三债务人下达的资产扣押令winding-up停业清理securedloan担保贷款overdraft透支realestatemortgage房地产抵押chattelmortgage动产抵押inpresenceof提示reimbursement偿还withholdinginteresttax预扣税custodian保管access准入automatictellermachine自动取款机personalidentitynumber  密码.个人识别号passbook存折insurancebroker保险经纪人hirepurchase租购workingcapitalloan周转资金start-uploan创业贷款syndicatedloan辛迪加贷款projectfinancing项目融资foreigntradefinancing对外贸易融资currentassets流动资产accountsreceivable应收帐款agentbank代理行drawdownperiod支用期graceperiod宽限期principle本金tombstone证券发行公告factoringfacilities保理业务opencredit无担保贷款factor保理人lessee承租人lessor出租人non-resourse无追索权financiallease金融租赁operatinglease经营租赁fullpayoutlease支付租赁truelease真实租赁conditionallease条件租赁leveragelease杠杆租赁electronicdateinterchangeservices电子数据交换服务retailbank   商业零售银行privatebank私人银行merchantbank商人银行riskpreference风险偏好risktakinginvestor甘冒风险的投资者riskaversioninvestor逃避风险的投资者macroeconomicoriented以宏观经济为导向的equitiesorigination股票发行venturecapitalfinancing风险资本融资thespread价差interestrateswap利率互换leveragebuyout杠杆收购junkbond垃圾债券redchips红筹股"h"sharesH股trustee受托人collection托收productioncombination生产联合productioncost生产成本comparativeadvantage相对优势middleagent中间代理eliminateexchangerisk消除外汇风险shippinginsurance海险guarantee担保performancebond履约保证importcredit进口信贷dividends分红moneytransfer转帐bankdraft银行汇票mailtransfer信汇telegraphictransfer电汇testkey测试密钥telex电报SocietyforWorldInter-bankFinancialTelecommunications环球银行间金融电讯协会standardizedformat标准格式clearinghouse结算所computercode电脑代码additionalcost附加成本foreignexchangerate外汇汇率swing浮动spotrate现汇汇率marketrate市场汇率crossrate交叉汇率forwardexchangecontract远期外汇合同currencyfuturecontract货币期货合同quotation报价单rollingforex展期外汇optiononforeignexchange外汇期权strikeprice  执行价格expirydate到期日calloption多头期头putoption空头期权foreignexchangehedge外汇套期保值foreignexchangeswap外汇掉期superannuation养老基金pensionfunds退休基金brokeragefee经纪人佣金optimumprofit最高收益canon标准illegalactivities非法行为speculativepurpose投机目的repaymentschedule还款安排balancesheet资产负债表incomestatement利润表long-termloan长期贷款country-risk国别风险quantitativeyardstick定量的评判标准creditrisk信用风险riskassessment风险评估margin保证金legalauthority法定权力memorandumandarticlesofassociation公司章程cushionofassets资产缓冲safetitle所有权creditreferenceagency信用查询机构creditstanding信用状况consumerloan消费信贷bonus奖金gratuity退休金trackrecord工作履历minor'saccount未成年人帐户soleproprietors独资企业privatelimitedcompany私人有限公司publiclimitedcompany公共有限公司inter-banklending/borrowing同业拆借theinter-bankmoneymarket同业拆借市场localcurrency本国货币marginalcost边际成本inter-bankrate同业拆借利率contingencypayout意外支出naturaldisaster自然灾害legalstatus法定地位documentarycredit跟单信用证documentarycollection跟单托收exportcreditinsurance出口信贷保险shipmentpolicy装运保险单issuingbank开证行advisingbank通知行confirmingbank保兑行applicant开证申请人irrevocabledocumentaryletterofcredit不可撤消信用证reimbursingbank偿付行negotiatingbank议付行verification证实confirmedcredit保兑信用证paymentinadvance预付贷款remittingbank托收行collectingbank代收行sightbill即期汇票termbill远期汇票cleancollection光票托收billoflading提单certificateoforiginairwaybill航空联运certificateofinspection检验证明insurancepolicycertificate保单证明openaccount赊销premium保险费第十六章特殊类型的借款者-商业部门stockbroking股票经纪goingconcern持续经营netprofit净收益auditedaccounts经过审计的帐户registrationcertificate注册证明inheritance遗产tangiblesecurity有形担保intangiblepersonalguarantee无形个人担保deed契约dormantpartner不参与经营的合伙人limitedpartner有限责任合伙人aggressivemanagement扩张性管理defensivemanagement保守性管理gearing举债经营priorcharge优先偿付债券chargesonassets以资产抵押fixedcharge固定抵押floatingcharge浮动抵押overtrading超资力经营lifepolicy人寿保险depreciation折旧indemnity赔偿legalmortgage法定抵押leaseholdmortgage衡平法抵押surrendervalue租赁财产抵押stocksandshares股票和证券unquotedshares非挂牌｛上市｝股票cross-guarantee交叉担保underinfluence不正当影响misrepresentation与事实不符合的陈述debenture债券rundown削减acknowledgement确认tangibleassets有形资产intangibleassets无形资产copyright版权goodwill商誉networth资产净值cashflow现金流量currentratio流动比率quickratio速动比率qualityofassets资产质量investmentstrategy投资策略trendanalysis趋势分析debttoequityratio债务产权率debtserviceratio还本付息比；偿债比率amortization摊销receivableturnover应收帐款inventoryturnover存货周转writeoff注销recession