存款单(信用卡)

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常见银行英语词汇(各种银行术语和句子全面介绍)(1)

常见银行英语词汇中央银行：中国人民银行,Peopｌe\'s Bank ｏf Chｉｎa, PBC四大国有商业银行：中国银行, Bank ｏf Ｃhina,BOＣ中国工商银行, Ｉndustrial aｎd Commercial Baｎk ｏf China, ICBC中国农业银行, AgricultuｒaｌBank ｏｆＣhina, ABC中国建设银行, ChｉｎａConｓtructiｏn Bank,CＣB政策性银行:国家开发银行，Chｉna Dｅveloｐｍｅnt Bank, CＤB中国农业发展银行，AgｒiｃultｕraｌDeｖelopｍenｔBanｋof Cｈiｎa, ADBC 中国进出口银行，ThｅEｘport-Iｍport Bａｎk of Chinａ, ChinａEｘimｂanｋ股份制商业银行:招商银行, China Merchａnts Bank, ＣMＢ交通银行，Ｂaｎk of Coｍmｕnicａtｉonｓ中国光大银行，China Everｂｒiｇｈt Bａnk, ＣEBB中国民生银行, ChinａMinsheng Ｂanking CorｐｏｒatioｎＬtd., ＣMBC华夏银行, Hua Xｉa Bａnk, ＨXＢ中信银行, Chiｎa CＩTＩＣBａnk兴业银行, Ｉndusｔriａl Ｂank, CIB上海浦东发展银行, Shanghai Pｕｄong DevelopmｅnｔBank, SＰDB 或ＳＰD BANK 广东发展银行, Guaｎgdｏng Develoｐｍｅnt Bank, GDB深圳发展银行，Sｈenzhen ＤｅvｅｌｏpmenｔＢank，ＳDB厦门国际银行,XｉamｅnＩnｔerｎaｔional Bank,XIB投资银行:中国国际金融有限公司，Cｈina InｔernationaｌＣａpital Coｒｐoration Lｉmiteｄ, CIＣC 世界各大银行中国银行Bank ｏｆCｈina 中国汇丰银行Honｇkoｎg and Shanghａi ＢａnkinｇCoｒp．香港ﻫ里昂信贷银行Cｒeｄit Lyonnais 法国巴黎国民银行Banque NaｔionalｅdeＰarｉs法国ﻫ农业信贷国民银行de Caisse Nａt ｉonａlｅCredｉｔAgrｉｃoｌe法国西太平洋银行公司WｅｓtpａｃBanｋing Corp．澳大利亚ﻫ米兰银行Mｉdｌａｎd Bank 英国劳埃德银行ＬlｏyｄｓBank PLC. 英国国民西敏寺银行ＮationaｌＷesｔｍｉｎｓteｒＢａnｋPＬＣ. 英国阿比国民银行Abbey Natiｏｎaｌ英国ﻫ巴克莱银行Barclays ＢａｎkＰLC. 英国ﻫ巴西银行Banco Ｄo Bｒasｉl巴西ﻫﻫ花旗银行Ciｔｉｂaｎｋ美国汉华实业银行MａnｕfacturｅrｓＨanｏver Corp．美国ﻫ大通曼哈顿银行Ｃhase Mａn ｈatｔan Bank 美国ﻫ第一洲际银行First InｔｅrstatｅＢａncorp 美国ﻫ梅隆国民银行Mellon National Corｐ.美国美洲银行（全称／"美洲银行国民信托储蓄会/")BanｋAmericａCｏrｐ(/"Ｂank of AmｅricａNationａl Trusｔａnd ＳａvｉngｓAsｓoｃiations/＂) 美国摩根保证信托银行Morgａn Guaranty Trust Corｐ. oｆNew Yｏrｋ美国纽约化学银行Chｅmical NeｗＹork Corp. 美国纽约银行家信托公司Baｎkeｒs TｒusｔNew York Corp. 美国ﻫ芝加哥第一国民银行First Ｃｈｉcaｇo Ｃorp. 美国ﻫ太平洋安全银行Ｓecuｒｉty Pacｉｆic Ｃoｒp 美国ﻫ西德意志地方银行ＷestdeｕtｓchｅLanｄesｂank Gｉrozｅntｒaｌe德国德累斯顿银行Dresdｎｅr Banｋ德国德意志银行Deuｔsche Bａnk 德国富士银行Ｆuji Bank 日本ﻫ大和银行Ｄaiｗa Bａnk 日本ﻫ第一劝业银行Dａi-Ｉｃhi KangｙoＢａｎk 日本ﻫ东海银行Toｋai Bａnk 日本东京银行Ｂank of Tokyo 日本ﻫ日本兴业银行Industrial Ｂank ｏf Jaｐan 日本三和银行Sａnwa Bａnk日本三井银行MiｔsuｉBank 日本ﻫ三菱银行Mitsｕbisｈi Bank 日本ﻫ住友信托银行Ｓu ｍitｏｍo Tｒust＆Bａｎking 日本国民劳动银行Bａnca NａｚiｏｎaleｄｅｌLａvorｏ意大利都灵圣保罗银行Istｉtuto Bancaｒｉo SaｎＰaolo Di Tｏrｉｎo 意大利伦巴省储蓄银行ＣａssａＤｉRisparmｉo Ｄeｌle ProvinciｅＬoｍbａｒdｅ意大利ﻫ西亚那银行Ｍoｎte ＤeｉPａschi ＤｉSienａ意大利意大利商业银行Baｎｃa ＣｏmｍercialｅItalｉａｎa 意大利意大利信贷银行Cｒｅdito Itaｌiano 意大利多伦多自治领银行Torｏnto-Dominion Banｋ加拿大加拿大帝国商业银行Ｃａｎadiａn IｍｐeriaｌBａnk of Cｏmｍerｃe 加拿大加拿大皇家银行Royal Bａnｋｏf Ｃanadａ加拿大荷兰农业合作社中央银行Cooperatieve Centraｌe Raiffeｒsｓｅn-Boerｅnleenbank 荷兰ﻫ荷兰通用银行AlgemｅnｅBanｋNeｄerlaｎｄ荷兰ﻫ瑞士联合银行Unｉon Bａｎk of Ｓwitzerlanｄ瑞士瑞士信贷银行CredｉｔSｕｉssｅ瑞士瑞士银行公司ＳｗisｓBａnk Ｃｏrp. 瑞士XXX(银行名称)，ＧUAＮGZHOU BRANCＨ，XＸX ＲOＡD SＵBBＲＡＮCＨ银行术语acｃoｕnt nuｍber 帐号depｏsiｔｏr存户pａｙ-iｎｓlｉp 存款单a deposｉｔfｏrｍ存款单ａbaｎdiｎg machinｅ自动存取机to deｐｏsｉt 存款depoｓiｔrｅceipｔ存款收据ｐriｖate depositｓ私人存款certiｆicaｔe of ｄepoｓｉt存单ｄepｏsiｔbook, paｓsbook 存折credit ｃard 信用卡princｉｐal 本金ovｅrdｒaｆｔ,overdraw 透支ｔo counter ｓｉgn双签tｏｅndorｓe 背书eｎｄoｒsｅr 背书人ｔｏcash 兑现to hoｎoｒa cｈeqｕe 兑付to diｓhonor a cｈeque 拒付ｔｏｓuｓpｅnd pａyｍeｎt 止付ｃｈｅque,chｅck 支票cｈeqｕe book 支票本ｏｒｄerｃｈeque 记名支票beareｒcheqｕe 不记名支票croｓsｅd cｈeque 横线支票bｌank cheque 空白支票ruｂbeｒchequｅ空头支票ｃheｑue sｔub，cｏunterfoil 票根ｃaｓh 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ｃanceｌeｄchequｅ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central ｂａnｋ, ｎationａlｂａｎk, banker'ｓbank 中央银行ｂank ofｉssuｅ, bankｏｆcｉrｃｕlatｉon 发行币银行cｏmmercｉaｌｂａnk 商业银行，储蓄信贷银行meｍｂerｂａｎk,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advisinｇbank，ｎotｉfyiｎg bank 通知银行nｅｇotiａtion ｂａnk 议付银行coｎｆirmｉng banｋ保兑银行payｉｎｇbａｎk 付款银行aｓｓociate bankeｒoｆcolｌecｔｉon 代收银行consｉgned ｂanker of colｌecｔｉon 委托银行clearinｇbaｎk清算银行locaｌｂank 本地银行ｄoｍestic bank 国内银行oｖerｓeａｓbａnk 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ｃreditｕnion 合作银行ｃreｄit buｒeaｕ商业兴信所selｆ－ｓｅrvｉｃｅbank 无人银行land ｂａnk 土地银行mutｕaｌｓavｉnｇｓbank互助储蓄银行post ofｆｉcｅｓaｖings bａnk 邮局储蓄银行mｏrtgａge ｂａnｋ,buildinｇsoｃiety抵押银行iｎdｕｓｔｒiaｌbａnｋ实业银行home loaｎbank 家宅贷款银行reｓerveｂank 准备银行chaｒｔｅｒed bａnk 特许银行ｃorｒｅｓpondｉng bank 往来银行merchantｂａnk，aｃceｐtinｇbaｎｋ承兑银行ｉnvｅstment bａnk 投资银行imporｔanｄexｐort bank (EXIMBＡNＫ) 进出口银行joinｔventurｅbank 合资银行mｏney ｓhoｐ，nativｅｂank 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geneｒａｌledger 总帐ｓubsｉdiaｒy lｅｄger分户帐ｃasｈbｏok 现金出纳帐casｈａcｃoｕnt现金帐jｏurｎal，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ｅcｏnomiｃdｅpｒession 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 oｆpａｙmeｎｔ国际收支ｆavouｒable ｂalaｎce顺差ａdvｅｒsｅｂalance 逆差hard cｕｒrency 硬通货ｓoft cｕrreｎcy软通货ｉｎteｒｎatiｏnal mｏｎｅtarｙsystｅm 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debｔｃｈaｉn 债务链dｉｒecｔexchange 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ｄiｓcounｔｒate，bankｒａte 贴现率ｇｏlｄreｓｅrvｅ黄金储备monｅy (finaｎciaｌ）maｒｋet金融市场sｔoｃk exchangｅ股票交易所brｏkｅr 经纪人ｃomｍｉsｓion佣金bｏokｋｅepiｎg簿记bookｋｅeｐer 簿记员aｎapｐlicatiｏn fｏrm 申请单bａnkｓｔａｔemｅｎｔ对帐单ｌeｔteｒof credit信用证stｒong rｏom, vault 保险库eｑｕiｔａbｌe tax sｙsteｍ等价税则speｃimeｎsigｎａｔｕｒe 签字式样banking ｈouｒs, ｂusinｅss hours 营业时间XXＸ(银行名称)，GUＡNGＺHOＵＢRAＮCH，XXX ROAD SＵＢBRAＮCＨ银行英语口语－新开帐户Whａｔkｉnｄof ａccoｕｎt didｙou have ｉn your mind?你想开哪种帐户?Dｏyou like to oｐeｎa current aｃcoｕnｔ?你想开一个活期存款帐户吗?A depositｏｒcurreｎt aｃcounｔ?定期还是活期?Plｅａse tｅll mｅｈｏw you would like to depｏsit yｏuｒmoｎey.请告诉我你想存何种户头?Theｒe's a seｒvicｅcharｇe fｏr theｃhecking accｏunｔbut no cｈaｒｇe fｏr the saｖings.支票户头要收服务费，现金户头不收。

邮政储汇业务员中级复习题答案(14102001)

试卷编号：14102001邮政储汇业务员中级理论复习题答案一、单项选择(第1题～第70题。

选择一个正确的答案，将相应的字母填入题内的括号中。

每题0.5分，满分35分。

)1. 通过“商易通”办理转账业务，高端“华商联盟”账户单笔最高转出限额为（D）。

A、20万元（不含）B、20万元（含）C、50万元（不含）D、50万元（含）2. 以下关于邮储信用卡自动还款加办/撤销业务说法错误的是（B）。

A、信用卡自动还款关系加办或加办撤销时，需信用卡持卡人本人办理B、用于还款的账户必须为邮政储蓄银行开立的活期储蓄账户C、用于加办的结算账户所有人与信用卡持卡人必须为同一人D、网点办理信用卡加办交易并非实时生效，需通过系统验证后加办关系方可生效3. 预约转账申请办理后，不得对（D）进行变更。

A、预约转账手续费收取方式B、转账周期C、单笔转账金额D、转入账户的账号4. 密码挂失满（D）后，客户本人可凭中国邮政储蓄银行特殊业务申请书在原挂失网点办理密码撤销。

A、1天B、3天C、5天D、7天5. 《银监法》规定，（B）可以进入金融机构进行现场检查。

A、人民银行B、银监会C、当地政府机构D、公安局6. 客户于2009年2月28日存入7天通知存款100000元，于2009年3月10日支取，应付客户利息（A）元。

A、29.25B、28C、26.25D、27.757. POS预授权撤销可在预授权交易成功后（C）日内通过联机或手工方式完成。

A、7B、15C、30D、318. ATM无法提供打印选择以及ATM吞卡时，必须打印交易凭条，交易凭条应注明（B）和拒绝原因。

A、交易局名B、交易结果C、交易金额D、交易流水号9. 邮政储蓄客户在使用财付通一点通业务提供的任何功能之前，必须在（D）激活该业务。

A、邮储网点B、ATMC、网上银行D、腾讯财付通网站10. 以下国债交易需由支行（局）长授权的是（A）。

A、储蓄国债（电子式）人工解冻结B、凭证式国债（新）收单C、凭证式国债提前兑取金额超过5万元D、凭证式国债（新）取消11. 邮储信用卡卡号由（B ）位数字组成。

邮政储汇业务员中级复习题答案整理完400道题目有答案

1. 通过“商易通”办理转账业务，高端“华商联盟”账户单笔最高转出限额为（D）。

A、20万元（不含）B、20万元（含）C、50万元（不含）D、50万元（含）2. 以下关于邮储信用卡自动还款加办/撤销业务说法错误的是（B）。

A、1天B、3天C、5天D、7天5. 《银监法》规定，（B）可以进入金融机构进行现场检查。

A、人民银行B、银监会C、当地政府机构D、公安局6. 客户于2009年2月28日存入7天通知存款100000元，于2009年3月10日支取，应付客户利息（A）元。

A、29.25B、28C、26.25D、27.757. POS预授权撤销可在预授权交易成功后（C）日内通过联机或手工方式完成。

A、7B、15C、30D、318. ATM无法提供打印选择以及ATM吞卡时，必须打印交易凭条，交易凭条应注明（B）和拒绝原因。

A、交易局名B、交易结果C、交易金额D、交易流水号9. 邮政储蓄客户在使用财付通一点通业务提供的任何功能之前，必须在（D）激活该业务。

A、邮储网点B、ATMC、网上银行D、腾讯财付通网站10. 以下国债交易需由支行（局）长授权的是（A）。

A、14B、16C、18D、1912. 同一出质人名下的定期存单（最多（C）张）一次只能对应发放一笔质押贷款。

上海译国译民常见银行英语词汇1

• • • • • • •
cash 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
• industrial and commercial bank 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
• • • • • •
banker 银行家 president 行长 savings bank 储蓄银行 Chase Bank 大通银行 Citibank 花旗银行 Hongkong Shanghai Banking 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 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

银行词汇中英文对照(

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, Australia 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, 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 card 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cash 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trustee savings bank 信托储蓄银行trust company 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 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 bank 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 (EXIMBANK) 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, 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 balance 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 p roduct 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 金融市场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, business hours 营业时间 </P< p>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 card 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cash 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, Australia 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, 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 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 bank 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 (EXIMBANK) 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, 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 balance 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 金融市场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, business hours 营业时间常见银行英语词汇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 card 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cash 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, Australia 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, 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 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 bank 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 (EXIMBANK) 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, 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 balance 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 金融市场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, business hours 营业时间。

探放水三单两牌管理制度

探放水三单两牌管理制度一、放水三单两牌管理制度的背景随着我国经济的飞速发展和人民生活水平的提高，信用卡已经成为了人们日常消费的不可或缺的一部分。

信用卡的发行数量与持卡人群日益扩大，然而在信用卡业务发展的过程中，一些不良的信用卡的使用和管理问题也开始浮现出来。

比如持卡人透支消费、拖欠款项、无还款能力等，这给商业银行信用卡业务带来了一定的风险。

因此，商业银行需要对信用卡业务进行管理和控制，降低风险，提高服务质量。

放水三单两牌管理制度的出现正是为了解决商业银行信用卡经营中出现的一系列问题。

它是在全国金融管理部门的指导下，针对我国商业银行信用卡业务而制定的一套规范管理办法，是商业银行信用卡经营的重要举措。

它为商业银行信用卡业务的管理提供了一系列的操作规范和制度约束，有利于提升信用卡业务的管理水平，规范市场秩序，保护持卡人的合法权益。

二、放水三单两牌管理制度的意义1. 有利于规范信用卡业务管理放水三单两牌管理制度的出现，为商业银行信用卡业务提供了一整套的规范管理办法。

通过统一操作规程，规范各项业务流程，明确工作职责，促进了商业银行信用卡业务管理的规范化。

2. 有利于降低信用卡业务风险通过放水三单两牌管理制度，商业银行可以更加全面、科学地了解持卡人的还款能力和信用状况，从而有效降低不良信用卡的风险。

此外，通过规范的操作流程和审核标准，商业银行可以有效控制信用卡发行的数量和范围，遏制信用卡业务发展中可能出现的不规范行为。

3. 有利于提升客户服务质量放水三单两牌管理制度要求商业银行在信用卡业务的经营中，严格遵循规范操作程序，实施层层审核，确保持卡人信息的真实性和有效性。

这有利于提升客户服务质量，为持卡人提供更加安全、便捷的消费体验。

4. 有利于规范市场秩序通过放水三单两牌管理制度，商业银行可以更好地了解市场需求和持卡人的消费能力，有效控制信用卡市场的扩张速度。

这有利于规范市场秩序，避免信用卡市场的过度竞争和不健康发展。

为什么是信用卡是creditcard，储蓄卡是debitcard？

为什么是信⽤卡是creditcard，储蓄卡是debitcard？信⽤卡英⽂是credit card，容易理解，是基于个⼈信⽤（credit），信⽤卡也叫「贷记卡」。

储蓄卡英⽂是debit card，也叫借记卡，这是⽐较专业的说法，但和「借」有什么关系呢，很难理解。

有⼈说，你存在储蓄卡⾥的钱相当于借给银⾏的，所以是借记卡，这虽然说得通，但并不是专业的解释。

因为这⾥的「借」和「贷」是财务术语，来⾃复式记账法，和这两个字的本⾝的意思没有任何关系。

复式记账法（double entry bookkeeping）指⼀笔资⾦的变动同时在两个账户⾥记录，区别于只记录收⼊多少和⽀出多少的单边流⽔账。

简单的记账，如果只是⼯资收⼊和⽇常开⽀，⽤单边流⽔账就可以搞定，但复杂的记账，⽤流⽔账来记不知道怎么记，就算记了也是⼀笔糊涂账。

⽐如，⾃⼰的钱先垫付了出差费⽤，要报销。

向朋友借了10万买房。

帮朋友代购了护肤品，⽇后朋友要还。

分期付款买了⼀个东西，流⽔账上是⼀次性记录总⽀出，还是只记每个⽉该还的部分？如果记录总⽀出，但实际上未还部分⼜在⾃⼰⼿⾥，给⾃⼰⼀种现⾦还很多的假象。

如果只记录⽉供⽀出，但实际上你⽋的钱远远⽐⽉供多。

炒股，如果你总投资⾦额是固定的还好，到最后退出的时候，你是赚还是亏就都⼀⽬了然。

但在⽜市的时候，⼤部分⼈都是⼀有钱就投进去，甚⾄还不惜借钱炒股或者加杠杆炒股，炒到最后多少⼈连⾃⼰本⾦到底是多少都搞不清了？借来的钱炒股，到底算本⾦还是什么，浮亏和浮盈，这个账到底怎么记？都是糊涂账。

企业记账与此类似，⾮常复杂，不但关注收⼊和⽀出，还需要关注现⾦流，以及钱到底花到哪⾥去了，13世纪意⼤利⼈发明了复式记账法，就很好的解决了这个问题，复式记账法⽤debit（借）和credit（贷）作为记录符号，英⽂⾥的debit和credit也⼀样，和字⾯上的debit（债务，和debt很像）和credit（信⽤）没有任何关系。

9、中国建设银行招聘考试银行英语词汇(各种银行术语和句子全面介绍)

银行英语词汇account numberdepositor 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 card 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cash 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Citibank 花旗银行Hongkong Shanghai Banking Corporation 汇丰银行Chartered Bank of India, Australia and China 麦加利银行Banque de I'IndoChine 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, 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 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 bank 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 (EXIMBANK) 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, 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 balance 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 金融市场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, business hours 营业时间银行英语口语－新开What kind of account did you have in your mind?你想开哪种?Do you like to open a current account?你想开一个活期存款吗?A deposit or current account?定期还是活期?Please tell me how you would like to deposit your money.请告诉我你想存何种户头?There's a service charge for the checking account but no charge for the savings. 支票户头要收服务费，现金户头不收。

常见银行英语词汇(各种银行术语和句子全面介绍)

常见银行英语词汇account number 帐号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 card 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cash 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Citibank 花旗银行Hongkong Shanghai Banking 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, 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 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 bank 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 (EXIMBANK) 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, 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 ofpayment 国际收支favourable balance 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 金融市场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, business hours 营业时间银行英语口语－新开帐户What kind of account did you have in your mind?你想开哪种帐户?Do you like to open a current account?你想开一个活期存款帐户吗?A deposit or current account?定期还是活期?Please tell me how you would like to deposit your money.请告诉我你想存何种户头? There's a service charge for the checking account but no charge for the savings. 支票户头要收服务费，现金户头不收。

金融英语专业术语-C

金融英语专业术语-C下面是店铺整理的金融英语专业术语，欢迎大家阅读! call (option) 买方期权,看涨期权.call and put options 买入期权和卖出期权.call for funds 控股,集资call loan transaction 短期拆放往来.call market 活期存款市场call money 拆放款.call options on an equity 权益(证券)的买入期权. call-options 认购期权.cancellation 取消cancellation money 解约金.cap 带利率上限的期权.capital assets 资本资产.capital lease 资本租赁.capital market 信贷市场,资本市场capital resources 资本来源capital surplus 资本盈余capital transfer 资本转移capital turnover rate 资本周转率card issuing institution 发卡单位.carefully selected applicant 经仔细选定的申请人. cargo insurance 货物保险.cash 现金,现款.v.兑现,付现款.cash a cheque 支票兑现.cash account 现金帐户cash account 现金帐户.cash account 现金帐户cash advance 差旅预支款.cash against bill of lading 凭提单付现.cash against documents(C.A.D.) 凭单付现,凭单据付现金=document against cash.cash and carry 付现自运;现金交易和运输自理;现购自运商店.cash and carry wholesale 付现自运批发.cash assets 现金资产.cash audit 现金审核cash audit 现金审核,现金审计.cash balance 现金余额,现款结存.cash basis 现金制cash basis 现金制,现金基础.cash basis accounting 现金收付会计制cash basis accounting 现金收付会计制.cash before delivery(C.B.D.) 空货前付款,付款后交货,付现款交货.cash bonus 现金红利.cash book 现金簿;现金帐;现金出纳帐.cash boy 送款员.cash budget 现金预算cash budget 现金预算.cash card1 (银行)自动提款卡.cash card2 现金卡.cash claim 现金索赔.cash collection basis 收现法,收现制.cash credit 活期信用放款,现金付出.cash credit slip 现金支出传票.cash currency 现金通货.cash cycle 现金循环,现金周期.cash day 付款日.cash debit slip 现金收入传票.cash department (商业机构中的)出纳部=counting-house.cash deposit 现金存款;保证金.cash deposit as collateral 保证金,押金.cash desk (商店,饭馆的)付款处.cash disbursements 现金支出.cash discount (c.d.) 现金折扣,付现折扣=settlement discount. cash dispenser (美)自动提款机=cashomat.cash dividend 现金股利cash down 即付,付现.cash equivalent value 现金等值,现金相等价值.cash flow 资金流动cash flow 现金流动.cash flow stream 现金流(量).cash holdings 库存现金cash holdings 库存现金.cash in advance (c.i.a.) 预付现金.cash in bank 存银行现金,银行存款.cash in hand (商行的)手头现金,库存现金=cash on hand. cash in transit 在途现金,在运现金.cash in transit policy 现金运送保险单.cash in treasury 库存现金.cash invoice 现购发票.cash items 现金帐项,现金科目.cash journal 现金日记簿.cash liquidity 现金流动(情况);现金周转.cash loan 现金贷款.cash management services 现金管理业务cash market 现金交易市场,现货市场,付现市场.cash nexus 现金交易关系.cash on arrival 货到付现,货到付款.cash on bank 银行存款;银行付款;现金支票付款.cash on deliver (C.O.D) (英)交货付款,现款交货=collect on delivery.cash on delivery (COD) 交割付款cash order(C/O) 现金订货.cash paid book 现金支出簿.cash payment 现金支付cash payment 现金付款,现付.cash payments journal 现金支出日记帐.cash position 头寸cash position 现金状况,现金头寸.cash price 现金售价,现金付款价格.cash purchase 现购,现金购买.cash railway (商店中的)货款传送线.cash ratio 现金比率.cash receipts (CR) 现金收入.cash receipts journal 现金收入日记帐.cash records 现金记录.cash register 现金登记机,现金收入记录机,收银机.cash remittance 汇款单;解款单.cash remittance note 现金解款单,解款单.cash requirement 现金需要量.cash reserve 现金储备(金).cash resources 现金资源,现金来源.cash resources (reserves) 现金准备cash sale 现售,现金销售=sale by real cash.cash sale invoice 现销发票,现售发票.cash settlement 现金结算,现汇结算.cash short and over 现金尾差,清点现金余差;现金短溢.cash slip 现金传票.cash statement 现金报表,(现金)库存表.cash ticket 现销票,门市发票.cash transaction 现金交易.cash verification 现金核实,现金核查.cash voucher 现金凭单;现金收据.cash with order (c.w.o., C.W.O.) 订货时付款,订货付现,落单付现.cash without discount 付现无折扣.cash yield discount 现金获利率,现金收益率.cash-and-carry arbitrage 现货持有套利.cashier 出纳员,收支员.cashier's cheque (C.C.) 银行本票=cashier's order.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)certificate of balance 存款凭单Certificate of Deposits (CDs) 大额定期存款单certificated security 实物证券certificates of deposit (CDs) 大面额存款单certifying bank 付款保证银行change hands 交换,换手.chartered bank 特许银行chattel 动产.chattel mortgage 动产抵押.chattel mortgage 动产抵押.chattel mortgage bond (美)动产抵押(公司)债券.chattel personal (私人)动产.chattel real 准不动产(土地权等).check certificate 检验证明书.check deposit 支票存款check list (核对用的)清单.check sheet 对帐单.checking account 支票帐户.checking deposits 支票存款,活期存款checking reserve 支票现金储备.checkstand (超级市场的)点货收款台.cheque (payable) to bearer 来人支票,不记名支票. cheque book 支票簿.cheque book stub 支票簿存根.cheque card 支票卡.cheque collection 支票兑取.cheque collector 支票兑取人.cheque crossed 划线支票.cheque crossed generally 普通划线支票.cheque crossed specially 特别划线支票.cheque deposit 支票存款.cheque drawer 支票出票人.cheque holder 支票执票人.cheque only for account 转帐支票.cheque payable at sight 见票即付支票.cheque protector 支票银码机.cheque rate 票据汇兑汇率,票汇价格=sight rate ,short rate. cheque register 支票登记簿.cheque returned 退票,退回的支票.cheque signer 支票签名机.cheque stub 支票存根.cheque to order 记名支票,指定人支票.China Investment Bank 中国投资银行circulation risks 流通风险.circulation tax (turnover tax) 流转税.city bank 城市银行claim a refound 索赔.clean collections 光票托收clearing bank 清算银行clearing house 清算所.clearinghouse 清算公司,票据交换所.close out 平仓,结清(账).closed and mortgage 闭口抵押.closing order 收市价订单.closing rate 收盘价closing transaction 平仓交易collar 带利率上下限的期权.collateral loan 抵押借款.collecting bank 托收银行collecting bank 托收银行collecting bank 代收行collection instructions 委托(托收的)单据collection items 托收业务,托收项目collection of trade charges 托收货款collection on clean bill 光票托收collection on documents 跟单托收collection order 托收委托书collection risk 托收风险collection risks 托收风险.collection service 托收服务collective-owned enterprise bonus tax 集体企业奖金税. collective-owned enterprise income tax 集体企业所得税. commercial and industrial loans 工商贷款commercial deposit 商业存款commercial paper 商业票据commercial paper house 经营商业票据的商号commercial risk 商业风险.commercial terms 商业条件.commission 佣金commodity futures 商品期货. commodity insurance 商品保险. common collateral 共同担保.common fund 共同基金common stock 普通股common trust fund 共同信托基金compensatory financing 补偿性融资. competitive risks 竞争风险.composite depreciation 综合折旧. compound interest 复利compound rate 复利率compound rate deposit 复利存款comprehensive insurance 综合保险. condominium 公寓私有共有方式. confirming bank 保兑银行congestion area 震荡区congestion tape 统一自动行情显示conservatism and liquidity 稳健性与流动性consortium bank 银团银行constructure risk 建设风险.consumer financing 消费融资. contingent risks 或有风险.contract money 合同保证金.contract size 合约容量.contracts of difference 差异合约. contractual value 合同价格.controlled rates 控制的汇率converge 集聚,(为共同利益而)结合一起. conversion 汇兑,兑换convertible currency 可兑换的货币cooling-off period 等待期cooperative financing 合作金融.cornering the market 操纵市场corners 垄断.corporate deposits 法人存款correspondent 代理行cost of maintenance 维修费.counter-inflation policy 反通货膨胀对策counter-inflation policy 反通货膨胀对策counter-inflation policy 反通货膨胀对策cover 弥补,补进(卖完的商品等).cover 弥补(损失等);负担(开支);补进(商品或股票等);保险. coverage 承保险别;保险总额;范围保险.coverage ratio 偿债能力比率.cover-note 暂保单;投保通知单.credit 信用,信贷.credit account (C.A., C/A) 赊帐=open account2 credit agreement 信贷协定.credit amount 信贷金额;赊帐金额;信用证金额.credit analysis 信用分析.credit balance 贷方余额,结欠,贷余.credit bank 信贷银行credit beneficiary 信用证受益人.credit business 赊售,信用买卖.credit buying 赊购.credit capital 信贷资本.credit cards 信用卡credit control 信用控制credit control 信用控制credit control 信用控制credit control instrument 信用调节手段credit control instrument 信用调节手段credit control instrument 信用调节手段credit expansion 信用扩张credit expansion 信用扩张credit expansion 信用扩张credit extending policy 融资方针credit extending policy 融资方针credit extending policy 融资方针credit facility 信用透支.credit limit 信用额度.credit restriction 信用限额.credit risk 信用风险.credit union 信用合作社creditor bank 债权银行crop up (out) 出现,呈现.cross hedge 交叉套做.cross hedging 交叉保值.cum dividend 附息cum rights 含权cumulative preferred stock 累积优先股currency futures 外币期货.currency futures contract 货币期货合约. current fund 流动基金current futures price 现时的期货价格. current ratio 流动比率current ratio 流动比率current ratio 流动比率customize 按顾客的具体要求制作.customs duty(tariffs) 关税.。

银行柜员实习日记7篇

银行柜员实习日记7篇银行柜员实习日记7篇一天的时间眼看就要结束了，一定有不少感想，需要进行好好的总结并且记录在里了。

日记怎么写才适宜呢？以下是的银行柜员7篇，欢送阅读，希望大家能够喜欢。

习生“牌子外，我“完全“是银行员工。

今天银行里的“老师“给我上课了，虽然一知半解，不过还算认真记录了。

信用卡现金存款单：带卡不填单，填单不带卡; 快速汇款专用凭条(家人给你汇款就是这种)：它属于(1)对本地是无折存款单，不用存折就可以(2)对于异地就是快速汇款(3)异地同行同系统,手续费0.5%，同城手续费免。

注意：凭条是只有收款人进帐存单，但是汇款人拿取。

(那些不信赖的账户可以抵赖)个人转账/汇款凭条适用于私对公、公对公的汇款，都属于普通汇款，也能够针对同/异行(系统)进行汇款转账：(1)同城同/异行，免/收一元钱手续费;(2)该凭条属于实时支付(半小时工作时间入账)，并且即使到账，按汇款数目比例收付手续费。

注意：该凭条一定为对公转账(凭条针对付款人，他不能因此而抵赖) 个人账户挂失/冻结分为：(1)口头挂失又分挂失95555或银行柜台填单挂失(2)书面挂失包括丧失或损坏(此项必须回开户行执行)，并在7天内解挂(3)密码挂失5万以下任意网点可挂失，5万以上只能到本行，4天解挂。

注意：挂失解挂都要填申请书;除口头挂失外，其他可代办;解挂必须本人亲自去。

今天，带着崇敬的心情，我们来到了中国工商银行实习，不用多说，中国工商银行作为中国资产规模最大的商业银行，早已是家喻户晓，而且根本每家每户都有工行卡。

不过，之前都是以普通客户的身份来办理业务，今天是第一次以认识实习的心态来参观学习的，相信感触不同。

公司客户与个人客户提供了多元、专业的各项金融效劳。

在公司金融业务、个人金融业务、银行卡业务、资金业务、电子银行业务以及银行效劳方面都开展规模庞大，具有明显竞争优势.我重点了解了大堂经理这个职位的工作，主要是分流客户，识别客户，承受咨询、产品推荐、客户沟通等工作。

信用卡常用术语Credit card term

信用卡常用术语Credit card term信用卡常用术语Credit card term信用卡常用术语Credit card term国外留学与银行打交道的常用术语：cash card（现金卡）：可以从银行或atm机提取现金cheque guarantee card （支票保证卡）debit card（借记卡）credit card（信用卡）current account（现金帐户）：用于存（deposit），取（withdraw），日常开支，通常利息较低或没有利息。

saving account（存款帐户）overdraft（透支）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 card 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cash 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balance sheet 资产负债表cash flow 现金流转glossary 术语表money order 汇款单，汇票letter of credit n.[商](银行发行的)信用证charge for 想...收费overdraw v.透支overdraft n.透支, 透支之款项endorse [in5dc:s] v.在(票据)背面签名, 签注(文件), 认可, 签署liability n.责任, 义务, 倾向, 债务, [负债], 与assets相对asset n.[资产], 有用的东西solvent adj. 有偿付能力的n.溶媒, 溶剂, 解决方法securities n.有价证券time hull insurance 船舶定期保险marine insurance 海损保险maritime transportation insurance 海洋运输保险fire insurance 火险cargo insurance 货物保险account number - a unique number assigned by a financial institution to a customer. on a credit card, this number is embossed and encoded on the plastic card.additional cardholder - when you have a credit card, it is often possible to add an additional card to the account for use by someone else. the main cardholder holds responsibility for ensuring payments on the additional card are made. purchases are shown on the credit card statement, which is sent monthly.american express - also known as amex, this company is one of the main international credit card issuing schemes. it issues its own credit cards unlike visa and mastercard and is responsible for its own relationships with retailers.annual fee- an annual (yearly) fee associated with having a credit card. this is a separate fee from interest rate on purchases.annual percentage rate (apr)- the yearly percentage rate charged when a balance is held on a credit card. this rate is applied each month that an outstanding balance is present.approval response - an authorization response that is received when a transaction is approved.atm - automated teller machines or cash points allow youto access cash with a credit card or other card associated with your bank account. you need to enter your personal identification number (pin) into the machine to access cash.authentication - the process of assuring that data has come from its claimed source, or a process of corroborating the claimed identity of a communicating party.authorization - every retailer has a purchase limit above which they must seek authorization from the card issuer before they can complete the sale. such authorization can be done by telephone or electronically at the cash till. authorization is used to control credit card fraud. the cardholder s available credit limit is reduced by the authorized amount.authorization amount - currency amount approved.authorization code - a code that an issuer or its authorizing processor provides to indicate approval or denial for an authorization request.authorization date - date and time when the transaction was authorized.authorization only - a transaction that is created to reserve an amount against a credit card s available limit for intended purchases; the actual settlement may occur withinthree to five days, depending on the card type.authorized amount - currency amount approved.authorized transaction - transaction that has been approved.balance transfer - when the outstanding balance of one credit card (or several credit cards) is moved to another credit card account.balance transfer fee - a fee charged by a credit card company to transfer a balance from one account to another. this fee can be anywhere from 1%-5% of the balance amount. however, many credit card companies do not charge this fee. contact the credit card issuer for their specific fees.bad credit - a term used to describe a poor credit rating. common practices that can damage a credit rating include making late payments, skipping payments, exceeding card limits or declaring bankruptcy. bad credit can result in being denied future credit.bank account - bank account number for the merchant to which funds will be deposited.bank identification number (bin) - the first six digits of a visa or mastercard account number. this number is used to identify the card-issuing institution.bankcard - a payment card issued by a bank.billing cycle - the time between billing statements, usually 28-31 days.business card (business credit card) - usually issued to corporate executives or business owners in order to more easily keep business expenses separate from personal charges.card issuer - any association member financial institution, bank, credit union, or company that issues, or causes to be issued, plastic cards to cardholders.card reader - a device that is capable of reading the encoding on plastic cards.cardholder - an individual to whom a card is issued, or who is authorized to use an issued card.cash advance - a cash loan from a credit card using an atm or bank withdrawal.cash back - cash back returns to you a percentage of the total amount spent on your credit card over a specific period of time, usually monthly or quarterly. this feature is particularly useful if you normally pay your credit card bills in full each month, as it means you get an effective discount on the products bought with your credit card.chargeback - a transaction returned through interchangeby an issuer to an acquirer. a transaction may be returned because of it was non-compliant with the association rules and regulations or because it was disputed by a cardholder.chargeback period - the number of days from the transaction s processing date or endorsement date, during which the issuer may initiate a chargeback.co-branded card - a co-branded credit card is sponsored by both the issuing bank and a retail organization, such as a department store or an airline. cardholders may get benefits, such as discounts or free merchandise, from the sponsoring merchant, based on account usage and terms.commercial cards - a general name for cards typically issued for business use and which may include corporate cards, purchase cards, business cards, travel and entertainment cards.credit card number - unique number assigned to a credit card.credit limit - how much total money can be charged to a credit card account, for example $5,000.credit history - a partial profile of your financial life, given within a particular timeframe (usually measured in years). your credit history shows the extent to which you pay your bills ontime and how much you may owe particular parties. credit card issuers use this information to decide whether to provide customers with credit cards.debit - a charge to a customer s bankcard account. a transaction, such as a check, automated teller machine (atm) withdrawal or point-of-sale (pos) debit purchase that debits a demand deposit account.expired card - a card on which the embossed, encoded or printed expiration date has passed.finance charge - fees and other costs billed to you on your statement for using the credit cards (i.e., balance transfer fees, cash advance fees, late fees, overlimit fees, etc.).fixed rate (or fixed apr) -an annual percentage rate that does not change throughout the year, unlike an introductory apr that changes after a specific period of time.floor limit - an amount that visa and mastercard have established for single transactions at specific types of merchant outlets and branches, above which authorization is required.fraudulent transaction - a transaction unauthorized by the cardholder of a bankcard. such transactions are categorized as lost, stolen, not received, issued on a fraudulent application,counterfeit, fraudulent processing of transactions, account takeover or other fraudulent conditions as defined by the card company or the member company.fraudulent user - an individual who is not the cardholder or designee and who uses a card (or, in a mail/phone order or recurring transaction, an account number) to obtain goods or services without the cardholder s consent.grace period - a period of time during which you are allowed to pay your credit card bill without being charged a finance and/or late fee. this period is usually 10-28 days.introductory rate (or intro apr) - a temporary, lower annual percentage rate, after which the apr is raised.issuer - any association member financial institution, bank, credit union or company that issues, or causes to be issued, plastic cards to cardholders.magnetic stripe - a stripe of magnetic information that is affixed to the back of a plastic credit or debit card. this stripe contains customer and account information that is required to complete electronic financial transactions. the physical and magnetic characteristics of this stripe are specified in the international organization for standardization standards 7810, 7811 and 7813.mail/phone order merchant - a merchant that transacts business by mail or phone.mail/phone order transaction - a transaction where a cardholder orders goods or services from a merchant by telephone, mail or other means of telecommunication, and where neither the card nor the cardholder is present at the merchant outlet.mastercard - mastercard international inc. and all of its subsidiaries and affiliates.mastercard acquirer - a member that signs a mastercard merchant agreement or disburses currency to a mastercard cardholder in a cash disbursement, and directly or indirectly enters the resulting transaction receipt into interchange.mastercard card - a card that bears the mastercard symbol, enabling a mastercard cardholder to obtain goods, services or cash from a mastercard merchant or acquirer.mastercard issuer - a member that issues mastercard cards.merchant - an entity that contracts with merchant banks or iso s to originate transactions.merchant agreement - a written agreement between a merchant and a bank that contains their respective rights,duties and warranties, with respect to acceptance of the bankcard and matters related to the bankcard activity.merchant bank - bank that has a merchant agreement with a merchant to accept (acquire) deposits generated by bankcard transactions.minimum payment - the lowest amount of money that you are required to pay on your credit card statement each month.online financial transaction - a transaction that is authorized, cleared and settled in a single online message.overlimit - this refers to a cardholder account that has surpassed its credit limit with a transaction (i.e., the cardholder s outstanding balance is beyond his/her credit limit).overlimit fee - a fee charged when your balance goes over your credit limit.password - a sequence of characters that allows users access to a system. although they are supposed to be unique, experience has shown that most people s password choices are highly insecure. humans tend to choose short words, such as names, which are easy to guess.per transaction fees - fees paid by the merchant to the merchant bank or other contracted party on a per-transactionbasis.pin (personal identification number) - a sequence of digits used to verify the identity of the holder of a token. the pin is a kind of password.plastic (card) - this is a generic term that is used to identify any of the various cards issued to cardholders.point of sale (pos) - location in a merchant establishment at which the sale is consummated by payment for goods or services received.policy - an informal, generally natural language description of desired system behavior. policies may be defined for particular requirements, such as confidentiality, integrity, availability, safety, etc.posting - the process of updating individual cardholder account balances to reflect merchandise sales, instant cash, cash advances, adjustments, payments and any other charges or credits.primary account number (pan) - the number that is embossed and/or encoded on a plastic card that identifies the issuer and the particular cardholder account.prime rate (or prime interest rate) - the interest rate at which banks lend to their most creditworthy (prime)customers. the prime rate is known to change but not on a regular basis.processing date - the date on which the transaction is processed by the acquiring bank.receipt - a hard copy document that records when a transaction took place at the point of sale. the receipt contains a description of the transaction, which usually includes the date, the merchant name/location, the primary account number, the amount and the reference number.recurring billing - transactions for which a cardholder grants permission to the merchant to periodically charge his account number for recurring goods or services.reference number - number assigned to each monetary transaction in a descriptive billing system. each reference number is printed on the monthly statement to aid in retrieval of the document, should it be questioned by the cardholder.refund the creation of a credit to a cardholder account, usually as a result of a product return or to correct an error.retail merchant - a merchant that provides goods and/or services in the retail industry, but that is not a mail/phone merchant, a recurring services merchant or a t e merchant.sales draft - a paper record that evidences the purchase of goods or services by a cardholder.secured credit cards - credit cards that require collateral (property, such as a house, car or deposit of money) for approval. generally, secured credit cards are for people with no credit or poor credit who are trying to build or rebuild their credit history.service charge - a component of some finance charges, such as the fee for triggering an overdraft checking account into use.settlement - the reporting of settlement amounts owed by one member to another, or to a card issuing concern, as a result of clearing. settlement is the actual buying and selling of transactions between the merchants, processors and acquirers; along with the card-issuing entities.settlement bank - a bank, including a correspondent or intermediary bank, that is both located in the country where a member s settlement currency is the local currency, and is authorized to execute settlement of interchange on behalf of the member or the member s bank.smart card - a plastic card containing a computer chip with memory and cpu capabilities. such a card may be used foridentification or to store information, financial amounts or other forms of data. also called an integrated circuit card or a chip card.standard floor limit - a floor limit that varies by merchant type. this refers to a currency limit on transactions, above which authorization requests are required.statement - a written record prepared by a financial institution, usually once a month, listing all transactions for an account, including deposits, withdrawals, checks, electronic transfers, fees and other charges, and interest credited or earned. the statement is usually mailed to the customer.stored-value card - a stored-value card is a credit-card-sized device that is implanted with a computer chip with stored money value. a reloadable stored-value card can be reused by transferring a dollar value to it from an automated teller machine or other device. a disposable card cannot be reloaded.transaction - (1) any agreement between two or more parties that establishes a legal obligation. (2) the act of carrying out such an obligation. (3) all activities affecting a deposit account that are performed at the request of the account holder. (4) all events that cause some change in theassets, liabilities or net worth of a business. (5) an action between a cardholder and a merchant or a cardholder and a member that results in activity on the cardholder account.transaction identifier - a unique 15-character value that visa assigns to each transaction and returns to the acquirer in the authorization response. visa uses this value to maintain an audit trail throughout the lifecycle of the transaction and all related transactions, such as reversals, adjustments, confirmations and chargebacks.unsecured credit cards - credit cards that are not secured by collateral. customers qualify for such cards based on their credit history, their financial strength and their earnings potential.user authentication - process of validating that a user is who s/he represents her/himself to be.validation code - a unique 4-character value that visa includes as part of the cps/atm program in each authorization response. this code ensures that key authorization fields are preserved in the clearing or settlement record.variable interest rate - with variable-rate cards, the apr changes when interest rates or other economic indicators change. also known as a floating rate.visa - visa international service association and all of its subsidiaries and affiliates.visa card - a card that bears the visa symbol and which enables a visa cardholder to obtain goods, services or cash from a visa merchant or acquirer.visa issuer - a member that issues visa cards.visa merchant - a merchant that displays the visa symbol and accepts all visa cards.voice authorization - an approval response that is obtained through interactive communication between an issuer and an acquirer, their authorizing processors or stand-in processing or through telephone, facsimile or telex communications.void transaction - a deletion of the transaction information.void(ed) - nullifies a transaction that has been recorded for settlement, but has not yet been settled. this removes the transaction from the batch of transactions to be settled.信用卡常用术语Credit card term 相关内容:。

存款凭证和资料的核对方法与注意事项

存款凭证和资料的核对方法与注意事项在日常生活中，我们经常需要处理各种存款凭证和相关资料，如银行存折、银行对账单、存款收据等。

正确核对这些凭证和资料对于我们的财务管理至关重要。

本文将介绍一些核对方法和注意事项，以帮助我们更好地管理自己的存款。

一、凭证和资料的分类首先，我们需要了解不同类型的凭证和资料。

常见的凭证包括银行存折、银行对账单、存款收据、借记卡和信用卡账单等。

这些凭证和资料记录了我们的存款和消费情况，是我们核对账户余额和了解财务状况的重要依据。

二、核对方法1. 核对银行存折和对账单银行存折是我们存款的主要凭证，对账单是银行每月或每季度提供的详细账户交易记录。

我们可以通过以下方法核对存折和对账单：（1）逐笔核对：将存折上的每一笔交易与对账单上的相应交易逐一核对，确保金额和日期一致。

如发现错误，及时联系银行进行纠正。

（2）注意余额：对账单上通常会显示账户余额。

我们可以将对账单上的余额与存折上的余额进行比对，确保一致。

如有差异，需要及时联系银行核实原因。

2. 核对存款收据存款收据是我们向银行存款时所获得的凭证，记录了存款金额和日期。

核对存款收据的方法如下：（1）保存存款收据：存款收据是证明我们存款的重要凭证，应妥善保存。

我们可以将存款收据整理归档，以备日后查询和核对之用。

（2）核对金额：存款收据上会明确显示存款金额，我们需要核对存款收据上的金额与实际存款金额是否一致。

如发现差异，应及时联系银行核实。

3. 核对借记卡和信用卡账单借记卡和信用卡账单记录了我们的消费和支付情况。

核对这些账单的方法如下：（1）逐笔核对：将账单上的每一笔交易与自己的消费记账逐一核对，确保金额和日期一致。

如发现错误或未经授权的交易，应立即联系银行进行处理。

（2）注意还款日期：信用卡账单上通常会显示还款日期，我们需要确保按时还款，避免产生额外的利息和费用。

三、注意事项1. 定期核对我们应定期核对存款凭证和相关资料，以确保账户信息的准确性。

银行办理业务流程

银行办理业务流程银行办理业务是我们日常生活中不可或缺的一部分，无论是存款、取款、转账还是办理信用卡等业务，都需要按照一定的流程来完成。

下面就让我们来详细了解一下银行办理业务的流程。

首先，当我们需要办理任何业务时，首先要前往银行柜台或自助服务区，进行排队等候。

在等候的过程中，我们可以准备好相关的证件和资料，以便在办理业务时能够更加顺利地进行。

接下来，当轮到我们办理业务时，我们需要向银行工作人员说明我们需要办理的具体业务，例如存款、取款、转账或办理信用卡等。

同时，我们还需要出示相关的身份证件，以便工作人员核实我们的身份信息。

然后，银行工作人员会根据我们的需求，帮助我们填写相关的表格或进行系统操作。

比如，如果我们需要存款，工作人员会帮助我们填写存款单，并在系统中进行登记；如果我们需要取款，工作人员会协助我们进行取款操作；如果我们需要办理信用卡，工作人员会帮助我们填写申请表格并进行审核等。

在办理业务的过程中，我们需要仔细核对填写的信息，确保准确无误。

如果有任何问题或疑问，可以随时向银行工作人员进行询问，以便及时得到帮助和解决问题。

最后，在完成所有的操作后，银行工作人员会向我们确认办理业务的结果，并提供相关的单据或凭证。

我们需要仔细核对所提供的单据和凭证，确保信息的完整和准确。

在整个办理业务的流程中，我们需要保持耐心和礼貌，与银行工作人员进行良好的沟通和合作。

同时，我们也需要注意保护个人信息安全，不要泄露个人账户信息和密码，以防止不必要的风险和损失。

总的来说，银行办理业务的流程是一个需要细心和耐心的过程，只有我们与银行工作人员之间的良好合作和沟通，才能顺利地完成各项业务。

希望通过本文的介绍，能够帮助大家更加清晰地了解银行办理业务的流程，让我们在日常生活中更加便捷地处理各项银行业务。

到银行办理业务的流程

到银行办理业务的流程
办理银行业务是我们日常生活中经常需要面对的事情，比如存款、取款、办理信用卡、办理贷款等等。

下面我将为大家介绍一下到银行办理业务的流程。

首先，当我们需要到银行办理业务时，最重要的是要携带有效的身份证件，比如身份证、护照、驾驶证等。

这是银行办理业务的必备条件，没有有效的身份证件是无法进行任何业务办理的。

其次，我们需要确定自己需要办理的业务类型。

比如，如果是存款业务，我们需要填写存款单，并准备好要存入的现金或支票；如果是取款业务，我们需要携带银行卡和填写取款单；如果是办理信用卡，我们需要准备好个人资料和信用记录等。

然后，到达银行后，我们需要排队等候办理业务。

在排队等候的过程中，我们可以先准备好所需的资料和表格，以节省办理业务的时间。

接下来，当轮到我们办理业务时，我们需要向银行工作人员说明我们需要办理的业务类型，并提交相应的资料和表格。

银行工作
人员会核对我们的身份证件，并帮助我们完成业务办理的流程。

最后，办理完成业务后，我们需要仔细核对办理业务的相关信息，比如存款金额、取款金额、信用卡额度等，确保没有出现任何
错误。

如果有任何疑问或需要补充的信息，我们可以及时向银行工
作人员进行询问和确认。

总的来说，到银行办理业务的流程并不复杂，但需要我们提前
准备好相关的资料和表格，并且在办理业务时要仔细核对相关信息，以确保业务办理的顺利进行。

希望以上内容能够帮助大家更好地了
解到银行办理业务的流程，使我们在日常生活中更加得心应手。

第二章__信用与信用工具2(浙江工商大学)

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（4）信用规模与方向不同
商业信用的方向受到了严格的限制，如果借贷双方没有发生买卖关系就不可能提供商业信用。
银行信用提供的是单一的货币形式，就克服了上述的局限性。
（5）对宏观经济的调控作用不同
银行信用的动态往往是不一致的。国家可以管理的，可以做到反周期，经济萧条时可以增加贷款的注入，以避免经济过度萧条。经济繁荣时，央行提高利率，以提高商业银行的信贷成本，使其缩小信贷规模，以避免过度繁荣。商业信用的动态和规模与产业周期及产业资本的周转动态是一致的，它会导致经济的波幅更大，具有顺周期性和盲目性，会在一定程度上抵消宏观调控的作用。
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4．收益性（率）
指信用工具能定期或不定期地为其持有人带来一定的收入。收益的大小是通过收益率来反映的。
收益率是净收益对本金比率。收益率一般有三种表示方法：
–一是名义收益率，即信用工具的票面收益与票面金额的比率。
–二是即期收益率，即信用工具的票面收益与其市场价格的比率。
首先，信用是在商品货币经济有了一定发展的基础上产生的。其次，信用只有在货币的支付手段职能存在的条件下才能发生。
（二）信用的发展 1、形式的发展： ●尚未工具化的信用
●尚未流动化的信用 ●完全流动化的信用
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2、内容的发展
●高利贷信用高利贷信用是高利贷资本的运动形式，是人类历史上最早产生的信用形式。高利贷信用的最突出特征是贷款利息率特别高。 ●借贷资本信用就是为了获取剩余价值而暂时贷给职能资本家使用的货币资本，它是生息资本的现代形式。借贷资本是现代资本的运动形式，是随着资本主义生产关系的建立而逐步发展起来的信用形态，并长期服务于现代市场经济社会。