个人理财英语.docx

1、个人理财英语Personal?Wealth?Management?Service个人理财业务personal financingpersonal financial planningpersonal wealth managementpersonal financial Service(PFS)Elite ClubSunflower financefinancing Linkfinancial TreasuryMoney MateMinsheng banking VIP serviceBOCOM Fortune wealth management with Orient cardinvestm

2、ent linkPremier(HSBC)phonebanking services(HSBC)capital protected investment(HSBC)over-the-counter account bondover-the-counter account bond transaction open-ended funds agencyopen-ended funds commissionbank-fund linkagency issuing government bonds个人理财个人理财业务个人理财(花旗银行)个人理财服务理财金账户（工行）?“金葵花”理财（招行）理财通理财

3、宝理财室（中行）民生贵宾服务交银理财东方卡理财（浦发银行）投资通卓越理财(汇丰银行)保本投资产品（汇丰银行）电话理财服务(汇丰银行)柜台记账式国债柜台记账式债券交易开放式基金代理销售开放式基金银基通代理发行国债visible treasury certificate Bearer treasury certificateindividual Credit Servicesafekeeping agencycustodial box servicesafe deposit box serviceassets managementaround-clock service of account ma

4、nagementnetwork settlementbank-securities linkbank-securities account transferMoney Link account transfer via money linkbank-insurance link(bonus participated insurance)open-ended fundsbank-fund linkopen-ended funds commission凭证式国债无记名式国债个人资信服务代理保管业务保管箱服务保管箱业务资产管理24小时到账处理业务网络结算业务银证通银证转账银证通（浦发银行）银证转账（

5、浦发银行）银保通(分红保险)开放式基金银基通代理销售开放式基金capital accountdeposit(Margin) accountcounter Transfertelephone Banking self-service transfer servicea letter of entrustment for transferentrusting transfer and deductionshareholders magnetic cardnetwork settlementdomestic payment settlement serviceold-age pension fund

6、social security fundbond fundinvestment fundclose-ended fundopen-ended fund资金账户保证金账户柜台转账电话银行自助转账转账委托书委托转账代缴费股东磁卡网络结算业务国内支付结算业务养老基金社会保险基金债券基金投资基金封闭式基金开放式基金Savings?Deposit储蓄存款业务savings depositdemand deposit(current deposit)current deposit passbookcurrent checkbook deposittime or demand optional deposi

7、tcall deposit time deposit(term deposit)large sum fixed depositgeneral fixed depositfloating time rate depositlump-sum deposit and withdrawaltime deposit of lump-sum deposit and withdrawaltime deposits of lump-sum depositing and lump-sum withdrawalinstallment fixed depositstime deposit of small savi

8、ngs for lump-sum withdrawalinterest withdrawal for a principal depositedpeincipal-receiving and interest withdrawing time deposittime saving big money and small drawingsavings / time optional deposits活期储蓄存款活期储蓄存款活期存折活期支票定活两便存款通知存款定期存款大额定期存款普通定期存款定期浮息选择存款整存整取整存整取定期储蓄整存整取定期存款零存整取零存整取定期储蓄存本取息存本取息定期储蓄整存

9、零取定期储蓄定活两便存款seven-day notice depositpersonal settlement accountsavings account（HSBC）fixed deposit account(HSBC)renminbi account(HSBC)children account(HSBC)statement savings account(HSBC)interest bearing savings account(HSBC)interest bearing chequeing account(HSBC)advance withdrawal and loss-reportin

10、g businessdeposits by correspondencedeposit collections in different placespersonal checks deposit certificate loss reportingloss reporting for personal checkssavings certificatepersonal call depositinterbank deposit and withdrawaleducation deposit七天通知存款个人结算账户储蓄账户(汇丰银行)定期存款账户（汇丰银行）人民币账户（汇丰银行）儿童账户（汇丰

11、银行）结单储蓄账户（汇丰银行）生息储蓄账户（汇丰银行）生息支票账户（汇丰银行）提前支取与挂失业务通信存款储蓄存款异地托收个人支票储蓄存款挂失个人支票挂失定期存单个人通知存款通存通兑教育储蓄存款procedures of loss reporting deposit certificate loss reporting interim loss reportingcurrent All-In-One passbookfixed All-In-One passbookmultiple function debit cardDeposit Plus(HSBC)挂失业务存单挂失临时挂失活期一本通定期一

12、本通多功能借记卡双利存款(汇丰银行)Personal?Consumer?Credit个人消费信贷housing mortgage loanindividual business house loanhouse refurbishing loan.individual housing loanshousing loans on own accounthousing loans on authorizationindividual combined housing loansCITIC Happy Familyauto loansloan for refurbishing houseconsume

13、r durables loanpersonal loan secured by CDs/treasury bondsindividual consumption loanpetty consumer creditindividual unsecured loanconsumption credit for individual clientsindividual consumption loansecured loansmall amount private loans住房抵押贷款个人商业用房贷款房屋装修贷款个人住房贷款自营性住房贷款委托住房贷款个人住房组合贷款中信家家乐汽车消费贷款家居装修贷

14、款大额耐用消费品贷款个人存单质押贷款个人消费信贷小额信用消费贷款个人信用贷款个人消费信贷业务个人消费信贷抵押放款(担保放款)小额贷款individual auto loanindividual comprehensive consumer loanindividual large-denomination durable commodities loanpersonal pledge loantravel and vacation loansonline personal pledge loaninsurance certificate pledge loandeposit certifica

15、te pledge loancertificates of deposit(CDs)individual comprehensive consumer loanindividual large-denomination durable commodities loanstate educational loancommercial educational loanoverseas study loaneducational loans个人汽车消费贷款个人综合消费贷款个人大额耐用消费品贷款个人质押贷款旅游度假贷款网上个人质押贷款保单质押贷款存单质押贷款大额存单个人综合消费贷款个人大额耐用消费品贷

16、款国家助学贷款商业助学贷款留学贷款教育助学贷款Foreign?Exchange?for?Corporate公司外汇业务forex deposit for enterprisecurrent forex deposit for enterprisetime foreign fxchange deposit for enterprisecall forex deposit for enterpriseforex creditforex working capital loanforex temporary loansforex short-term loansforex medium-term l

17、oansforex revolving loansforex loans with repayment in Installmentsforex fixed asset loanforex fixed asset investmentforex business development and expansionforex technical innovationforex fixed asset acquisition单位外汇存款业务活期对公外汇存款定期对公外汇存款通知对公外汇存款外汇贷款业务外汇流动资金贷款外汇临时流动资金贷款外汇短期流动资金贷款外汇中期流动资金贷款外汇流动资金循环贷款外汇

18、整贷零偿外汇固定资产贷款外汇固定资产投资贷款外汇开发扩建贷款外汇技改贷款外汇固定资产收购贷款International?Finance国际融资业务forex merger&acquisition loanproject financeBOT（build, operate, transfer）BT（build, transfer）export buyers creditsyndicated loanon-lending project financeinternational commercial loanimport buyers creditforeign government loanfo

19、reign government mixed loanloan from international financial organizationsforex transferred loanfinancing business of featuresbills discountcredit lineworldwide creditexport sellers creditfinance leasepurchase of the accounts receivableexternal labor service contract loan外汇兼并收购贷款项目融资建设经营转让建设转让出口买方信贷

20、银团贷款外汇转贷款项目融资国际商业贷款融资进口买方信贷融资外国政府贷款融资外国政府混合贷款融资国际金融组织贷款融资 外汇转贷款特色融资业务票据贴现授信额度统一大授信出口卖方信贷融资租赁应收账款收购对外劳务承包贷款distribution passportstart-up winnerinternational financing and guarantee businesstrust servicesinternational debt offeringforeign exchange guaranteeguarantee for loantender guaranteeperformance

21、 bondadvanced payment guaranteepayment guaranteeverification payment guaranteetechnical verification payment guaranteedeferred payment guaranteelease guaranteeimport bills for collectionexport bills for collectionpurchasing collection bills一路通创业宝国际融资及担保信托业务境外发债融资外汇担保业务借款担保投标担保履约担保预付款退款担保付款担保验货付款保函技术

22、交易验收付款保函延期付款担保租赁担保进口代收出口托收出口托收买单packing loan under L/Ctransferable L/Cnegotiating export billsdiscounting billssecured ladingopening letter of guaranteeforeign exchange payment and clearing servicesettlement clearance for foreign exchange pusinessbanking facilityforeign exchange rate risks coverguar

23、antee and attestationinter-bank foreign currency borrowings and lendingsasset portfolio managementoffshore banking businesstrade financinggeneral banking facilitiesPacking Creditimport bills purchaseexport(0utward) bill purchaseforeign currency bill discountforeign exchange bills purchasebills disco

24、untingForfaitingFactoringnon-trade finance 打包放款（信用证项下）转让信用证议付出口信用证单据（银行承兑）汇票贴现担保提货开立保函外汇清算业务外汇业务清算授信外汇保值避险担保和见证金融机构间外汇拆借理财策划离岸金融业务贸易融资综合授信打包放款进口押汇出口押汇外币票据贴现买入外币票据票据贴现福费廷（包买票据）保理业务非贸易融资Bank?Card银行卡业务peony credit cardpeony international cardpeony MoneyLink cardpeony IC(Smart) cardpeony proprietary car

25、dpeony photo cardpeony co-branding cardLong cardsavings carddebit cardanimal cardaccount transfer cardpre-paid consumption cardspecial-purpose cardco-branded cardGreat Wall credit cardGreat Wall international cardGreat Wall credit card in RMBpacific cardgold cardordinary cardThe Worlds Sunflowerdeve

26、lopment cardMinsheng cardOrient cardLady cardVisa cardMaster cardDiners cardAmerican Express cardMillion cardJCB cardFederal card牡丹信用卡牡丹国际卡牡丹灵通卡牡丹智能卡牡丹专用卡牡丹彩照卡牡丹联名卡龙卡储蓄卡借记卡生肖卡转账卡储值卡专用卡联名卡（认同卡）长城信用卡长城国际卡长城人民币信用卡太平洋卡金卡普通卡金葵花卡发展卡民生卡东方卡真情卡(广发银行)维萨卡万事达卡大莱卡运通卡百万卡（日本）JCB卡（日本）发达卡（香港）Terms?of?Post?and?Title岗

27、位职务词汇board of directorschairman of the boardchair of board of directorschief executive officerdirectormanaging directorauthorized officermanager and head of China deskgeneral manager(GM)director generalchief controllerdeputy general manager(DGM)chief executive officer(CEO)chief financial officer(CFO

28、)chief market officer(CMO)top managermanagerfinance directorfinancial managerchief accountantchief cashierchief clerkhead clerkhead of departmenthead tellerchief accountantchief of financesales directorsales managerdirecting stafftop managementmiddle managementlower management董事会，理事会董事长董事长董事长董事总裁，常务

29、董事代理行长中国事务部经理兼主管总经理总监总稽核副总经理首席执行官首席财务总监首席市场总监总经理经理，主任财务经理，财务处（科）长财务经理会计主任，总会计师，财务处长出纳主任主任办事员首席办事员部门主任出纳主任总会计，会计主任财务主任营业副经理；销售处（科）长销售经理领导人员最高管理层中层管理基层管理manager of bankmanagerial staffofficer, officialfinancial adviserfinancial accountantfinancial administratorfinancial executiveauditing officerscontrolleraccountant in chargeaccountantconsultant management consultantmanaging ag