金融专业英语chapter 2-retail bank-bank account
常用的经济学金融学专业英语-中英文词汇及解释
金融学和会计学英语词汇division of labor 劳动分工commodity money 商品货币legal tender 法定货币fiat money 法定通货a medium of exchange 交换媒介legal sanction 法律制裁face value 面值liquid assets 流动资产illiquidl assets 非流动资产the liquidity scale 流动性指标real estate 不动产checking accounts,demand deposit,checkable deposit 活期存款time deposit 定期存款negotiable order of withdrawal accounts 大额可转让提款单money market mutual funds 货币市场互助基金repurchase agreements 回购协议certificate of deposits 存单bond 债券stock 股票travelers'checks 旅行支票small-denomination time deposits 小额定期存款large-denomination time deposits 大额定期存款bank overnight repurchase agreements 银行隔夜回购协议bank long-term repurchase agreements 银行长期回购协议thrift institutions 存款机构financial institution 金融机构commercial banks 商业银行a means of payment 支付手段a store of value 储藏手段a standard of value 价值标准reserve 储备note 票据discount 贴现circulate 流通central bank 中央银行the Federal Reserve System 联邦储备系统credit union 信用合作社paper currency 纸币credit creation 信用创造branch banking 银行分行制unit banking 单一银行制out of circulation 退出流通capital stock 股本at par 以票面价值计electronic banking 电子银行banking holding company 公司银行the gold standard 金本位the Federal Reserve Board 联邦储备委员会the stock market crash 股市风暴reserve ratio 准备金比率deficit 亏损roll 展期wholesale 批发default 不履约auction 拍卖collateralize 担保markup 价格的涨幅dealer 交易员broker 经纪人pension funds 养老基金face amount 面值commerical paper 商业票据banker's acceptance 银行承兑汇票Fed fund 联邦基金eurodollar 欧洲美元treasury bills 国库券floating-rate 浮动比率fixed-rate 固定比率default risk 拖欠风险credit rating 信誉级别tax collection 税收money market 货币市场capital market 资本市场original maturity 原始到期期限surplus funds 过剩基金宏观经济的 macroeconomic通货膨胀 inflation破产 insolvency有偿还债务能力的 solvent合同 contract汇率 exchange rate紧缩信贷 tighten credit creation 私营部门 private sector财政管理机构 fiscal authorities宽松的财政政策 slack fiscal policy税法 tax bill财政 public finance财政部 the Ministry of Finance平衡预算 balanced budget继承税 inheritance tax货币主义者 monetariest增值税 VAT (value added tax)收入 revenue总需求 aggregate demand货币化 monetization赤字 deficit经济不景气 recession经济好转 turnabout复苏 recovery成本推进型 cost push货币供应 money supply生产率 productivity劳动力 labor force实际工资 real wages成本推进式通货膨胀 cost-push inflation 需求拉动式通货膨胀 demand-pull inflation 双位数通货膨胀 double- digit inflation极度通货膨胀 hyperinflation长期通货膨胀 chronic inflation治理通货膨胀 to fight inflation最终目标 ultimate goal坏的影响 adverse effect担保 ensure贴现 discount萧条的 sluggish认购 subscribe to支票帐户 checking account货币控制工具 instruments of monetry control 借据 IOUs(I owe you)本票 promissory notes货币总监 controller of the currency拖收系统 collection system支票清算或结算 check clearing资金划拨 transfer of funds可以相信的证明 credentials改革 fashion被缠住 entangled货币联盟 Monetary Union再购协议 repo精明的讨价还价交易 horse-trading欧元 euro公共债务 membership criteria汇率机制 REM储备货币 reserve currency劳动密集型 labor-intensive股票交易所 bourse竞争领先 frontrun牛市 bull market非凡的牛市 a raging bull规模经济 scale economcies买方出价与卖方要价之间的差价 bid-ask spreads 期货（股票） futures经济商行 brokerage firm回报率 rate of return股票 equities违约 default现金外流 cash drains经济人佣金 brokerage fee存款单 CD(certificate of deposit)营业额 turnover资本市场 capital market布雷顿森林体系 The Bretton Woods System经常帐户 current account套利者 arbitrager远期汇率 forward exchange rate即期汇率 spot rate实际利率 real interest rates货币政策工具 tools of monetary policy银行倒闭 bank failures跨国公司 MNC ( Multi-National Corporation) 商业银行 commercial bank商业票据 comercial paper利润 profit本票，期票 promissory notes监督 to monitor佣金（经济人） commission brokers套期保值 hedge有价证券平衡理论 portfolio balance theory 外汇储备 foreign exchange reserves固定汇率 fixed exchange rate浮动汇率 floating/flexible exchange rate 货币选择权（期货） currency option套利 arbitrage合约价 exercise price远期升水 forward premium多头买升 buying long空头卖跌 selling short按市价订购股票 market order股票经纪人 stockbroker国际货币基金 the IMF七国集团 the G-7监督 surveillance同业拆借市场 interbank market可兑换性 convertibility软通货 soft currency限制 restriction交易 transaction充分需求 adequate demand短期外债 short term external debt汇率机制 exchange rate regime直接标价 direct quotes资本流动性 mobility of capital赤字 deficit本国货币 domestic currency外汇交易市场 foreign exchange market国际储备 international reserve利率 interest rate资产 assets国际收支 balance of payments贸易差额 balance of trade繁荣 boom债券 bond资本 captial资本支出 captial expenditures商品 commodities商品交易所 commodity exchange期货合同 commodity futures contract普通股票 common stock联合大企业 conglomerate货币贬值 currency devaluation通货紧缩 deflation折旧 depreciation贴现率 discount rate归个人支配的收入 disposable personal income 从业人员 employed person汇率 exchange rate财政年度fiscal year自由企业 free enterprise国民生产总值 gross antional product 库存 inventory劳动力人数 labor force债务 liabilities市场经济 market economy合并 merger货币收入 money income跨国公司 Multinational Corproation 个人收入 personal income优先股票 preferred stock价格收益比率 price-earning ratio优惠贷款利率 prime rate利润 profit回报 return on investment使货币升值 revaluation薪水 salary季节性调整 seasonal adjustment关税 tariff失业人员 unemployed person效用 utility价值 value工资 wages工资价格螺旋上升 wage-price spiral收益 yield补偿贸易 compensatory trade, compensated deal 储蓄银行 saving banks欧洲联盟 the European Union单一的实体 a single entity抵押贷款 mortgage lending业主产权 owner's equity普通股 common stock无形资产 intangible assets收益表 income statement营业开支 operating expenses行政开支 administrative expenses现金收支一览表 statement of cash flow贸易中的存货 inventory收益 proceeds投资银行 investment bank机构投资者 institutional investor垄断兼并委员会 MMC招标发行 issue by tender定向发行 introduction代销 offer for sale直销 placing公开发行 public issue信贷额度 credit line国际债券 international bonds欧洲货币Eurocurrency利差 interest margin以所借的钱作抵押所获之贷款 leveraged loan 权利股发行 rights issues净收入比例结合 net income gearing常用的经济学金融学中英文词汇及解释Equilibrium，competitive 竞争均衡见竟争均衡（competitive equilibrium）。
金融英语chapter2
Fundamental functions:
• 1.
as banks for the government and for other banks. • 2. monetary policy - either the government's, as in Britain, or their own, if they are independent, as in Germany and the USA. • 3. the money supply. • 4. Fix the minimum interest rate.
Translation
• 储备银行试图在减缓市场冲击力方面
发挥作用，对外汇市场不时进行干预， 目的是要限制它更剧烈的动荡。
Central bank and commercial bank
Commercial banks have to keep a certain amount of their deposits to the central bank. When Commercial banks meet a bank run, central banks act as lender of last resort, but central banks don’t always bail out（ rescue banks in difficulty). Reserve-asset ratio: the minimum percentage of its deposits a bank has to keep in the central bank A bank run= a run on the bank
Riksbank in Sweden (1668)
《金融专业英语》单词汇总表
Rating Stock Dividend Principal Principal
n. n. n. n. adj. adj.
等级， 类别 公债，股份，股票，存货，供应物 红利， 股息 资本， 本金， 委托人 最重要的， 主要的 未偿付的， 困难未解决的， 工作未完成的 紧急援助 收购， 买入， 收购股权 （使）上市，把（证券）列入上市证券表 n. adj. n. 公开， 泄露， 揭露 衍生的， 导出的， 拷贝的 派生物，衍生物 （使）合并， （使）融合 n. n. 获得， 取得， 获得物 证券化， 资产证券化 支出，花费 n. n. n. n. 附属担保品，抵押品 契约，合同，正式凭单，文据 优先，优先权 评估， 评价 股份， 赌注， 风险
Depreciation Speculate Venture
Jasmine
- 4 -
《金融专业英语》
单词汇总表
Collect Draw Drawer Drawee Endorser Endorsee Payee Payer Acceptor n. n. v.
Appraisal Agency Regime n. n.
Administrative Governance Accrue Recession Depression Prosperity Recovery Allocation Distribution v. n.
Negotiable Commercial
v.
收款， 收帐 出票 出票人 受票人
Due Rate
adj. n. n. n. n. n. n. n. v. n. n. v. n. n. n. v. v. v. v. v. v.
金融专业英语名解五篇
金融专业英语名解五篇第一篇：金融专业英语名解（二）Explanation（名词解释）1.Primary markets：facilitate the issuance of new securities.The issuance of new corporate stock or new treasury securities is a primary market transaction.2.Secondary markets：facilitate the trading of existing securities.The sale of existing corporate stock or treasury security holdings by any business or individual is a secondary market transaction.3.Stock：Stocks(also referred to as equity securities)are certificates representing partial ownership in the corporations that issued them.mercial paper ：Commercial paper is a short-term debt instrument issued only by well-known creditworthy firms and is typically unsecured.5.Money market：Money markets are used to facilitate the transfer of short-term funds from individuals, corporations, or governments with excess funds to those with deficient funds.6.Repurchase agreements：Repo refers that one party sells securities to another with an agreement to repurchase the securities at a specified date and price.不确定7.Banker’s acceptances： A banker’s acceptances indicates that a bank accepts responsibility for a future payment.They are commonly used for international trade transactions.8.Euro-commercial paper：未找到9.Stripped treasury bonds：The cash flows of bonds are commonlytransformed(转化)by securities firms so that one security represents the principal payment only while a second security represents the interest payments10.Initial public offering ：An initial public offering is a first-time of shares by a specific firm to the public.As a privately held firm expands, it may need more funds than it can obtain through borrowing and therefore will consider an IPO.11.Secondary stock offerings ：A secondary stock offering is a new stock offering by a specific firm whose stock is already publicly traded.12.Put option：A put option grants the owner the right to sell…(看跌期权)13.Initial margin ：14.Bond index futures ：A bond index futures contract allows for the buying and selling of a bond index for a specified price at a specifies date.15.Exercise price of option ：is the price at which financial instrument can be bought or sold in the future.16.American option：The option which can be exercised on or before the maturity date is called American option17.Market-makers：can execute stock option transactions for customers, but they also trade stock options for their own account.18.Loanable funds theory ：The Loanable Funds theory, commonly used to explain interest rate movements, suggests that the market interest rate is determined by the factors that control the supply of and demand for loanable funds.19.Dynamic open market operation：20.Derivative securities ：securities are financial contracts whose values are derived from the values of underlying assets(such as debt securities or equity securities).第二篇：金融专业英语金融专业英语1、Financial System见photo1和photo2，监管机构要把一行三会、发改委、财政部、外管局、统计局的全称写上，其他三个部分也要写全称。
《金融专业英语(第2版)》教学课件—04Banking Industry in China
Part Two
Banking Industry in China
Contents
4
5
6
Central Bank—PBC
Commercial Banks
Supervision of Banking
4 Central
Chapter Bank—PBC
Chapter 4 Central Bank—PBC
Chapter 4 Central Bank—PBC
Section 4.1 The Reform of PBC Section 4.2 The Functions of PBC Section 4.3 The Instruments of Central Bank
Section 4.1 The Reform of PBC
➢ In 1984, the People’s Bank of China stopped ➢ handling credit and savings ➢ business. ➢ On March 18, 1995 , people’s Republic of China on the People’s Bank of
➢ In 1978, China has carried out a series of significant reforms in its banking system, and strengthened its opening to the outside world.
➢ In September 1983, the State Council* decided to have the PBC function as a central bank.
金融英语Chapter2
• In addition, the market values of securities (such as bonds) held by depository institutions or nondepository institutions are affected as well. Thus, managers of financial institutions attempt to anticipate interest rate movements so that they can capitalize on favorable movements or reduce their institution’s exposure to unfaverable movements.
❖For example, if tax rates on household income are expected to significantly decrease in the future, households might believe that they can more easily afford future loan repayment and thus be willing to borrow more funds. For any interest rate, the quantity of loanable funds demanded by households would be greater as a result of tax law adjustment. This represents an outward shift in the demand schedule.
financial english金融英语
Retail banking includes bank accounts,loans and foreign currency. Among them,bank accounts include deposit accounts ,foreign currency deposits,deposits by correspondence and deposit collections in different places.The main characteristics of retail banking business relative to wholesale banking are :1,the objects of all transactions normally are personal customers;2,the transactions are fragmentary ;3,and amount of transaction conventionally small.Retail banking makes ordinary transactions no longer difficult and improves transactions efficiency.Retail banking provides utterly convenient banking services to the public.Money is the coins or bank notes that you use to buy things, or the sum that you have in a bank account.Economists define money as anything that is generally accepted in payment for goods or services or in the repayment of debts.There are there functions in money.In almost all market transactions in our economy, money in the form of currency or checks is a medium of exchange; it is used to pay for goods and services.The second role of money is to provide a unit of account; that is, it is used to measure value in the economy.Money also functions as a store of value: it is a repository of purchasing power over time. It is an asset.For us ,money is a important part of life.余额Balance: The amount of money in an account at a particular time.收入Income: is a flow of earnings per unit of time交易成本transaction cost ：The time spent trying to exchange goods or services .整存Lump-sum deposit: Refers to savings deposit whose principal is deposited at one time.整取Lump-sum withdrawal: Whose principal and interests are withdrawal at one time.零存Small savings: Is a kind of time deposit and the money is deposited by the agreed period.存本Principal receiving: Is a kind of time deposit and whose principal is deposited by lump sum.储蓄（借记）卡Diet card: is a bank card you can use to pay for things.证明certicate: Is an official document stating that particular facts are true.到期Maturity: Is the state of being fully developed.股息Dividend :The part of a company's profits which is distributed to shareholders.金融Finance: The management of money, investment and credit.利息Interest: Money paid for the use of money.利率Interest rate: The rate charged for the use of money.投资者Investor: A person or an organization which invests (makes investments).贷款人Lender :A person or an organization which lends money.贷款Loan: Money advanced to a borrower to be repaid at a later date.长期贷款Long-term loan : A loan that is to be repaid a some distant point in the future, usually 10 years or more.市场Market: A place where buyers meet sellers to transact business.初级市场Primary market: The market for new issues of securities.利润Profit: A financial or monetary gain obtained from a loan or investment.二级市场Secondary marke:The market where existing financial instruments are traded.股份Share: One of the parts into which the ownership of a company is divided.短期贷款Short-term loan: A loan to be repaid within one year.定期Term: How fast a loan is to be repaid or an investment converted back into cash.交易Trade: The purchase and sale of a security in a financial market.需求Demand: Every market has buyers who want to buy products and services to satisfy their needs.供给Supply: Every market has producers or suppliers who want to sell their products and services.. . .。
《金融专业英语》课件-Chapter 2 Financial Institutions
More about commercial banks
Commercial banks make a number of decisions, including: (1) பைடு நூலகம்he interest rates they will pay to “borrow” or “hire” funds from depositors; (2) The types of deposits they will offer the public; (3) The interest rates they will charge to lend funds to borrowers; (4) The types of loans they will make (5) The types of securities they will acquire.
✓ Bank holding companies （银行控股公司） Commercial banks in the modern forms can be bank holding companies or financial holding companies. A bank holding company is a corporation that owns several firms, at least one of which is a bank. If the holding company owns one bank, it is called a onebank holding company 单一银行控股公司. If it owns more than one, it is called, not surprisingly, a multi-bank holding company多银行控股公司. ✓ Financial holding companies （金融控股公司） A financial holding company can offer a complete range of financial services, many of which were previously prohibited.
金融英语2ppt课件
There are other important but less familiar financial markets, like the money market in which large sums are borrowed and lent for very short periods, and the foreign exchange market in which dealings in foreign currencies take place.
But there are also organized markets which provide facilities for economic agents to borrow and lend or to buy or sell securities. The main role of brokers and advisers is to help these organized markets to function properly.
everyday needs.
be aware of : 了解
For example, payments facilities through banks, convenient savings and access to home loans from building societies, and car, house, or life insurance.
In between lie the financial institutions and markets.
Copyright © 2010 Pearson Education, Inc. Publishing as Prentice Hall
金融英语 chapter 2
B. Factors Evaluated by the Chartering Authorities
In evaluating a charter application, the chartering authority generally considers four factors: ●the bank’s prospects for future earnings; ●the qualifications of the bank’s proposed management; ●the adequacy of the bank’s capital structure; and ●the convenience and needs of the community. In addition, Regulators hopes to get the following items: (1) an operating plan; (2) personal and financial information on the proposed management for background investigations; (3) pro forma financial statements and projections for the proposed bank; and (4)information on the demand for banking products and 5 services and existing competition in the target market
6
3.
Arrangements for Ongoing Banking Supervision
A. Risks in Banking
金融学专业专业英语
金融学专业专业英语一．专业词汇（150个）1. active securities热头股票2. corporate bonds公司债券3．retained earnings 未分配盈利4．time horizon投资期5.currency swap 货币掉期6.additional insurance 附加保险7.amount in words大写金额8.beneficiary payee受款人9.trade deficit 贸易逆差10. maximum limit of overdraft 透支额度11.bonds 债券，债票12.bonus share 红股13.discount rate 折扣率；贴现率mercial loan 商业贷款15.default fine 违约罚金16.across the board 全盘的17.bubble economy 泡沫经济18.bull market 牛市19.dividend 股息;分红20.active capital 活动资本21.savings accounts 储蓄存款帐户22.credit balance 贷方余额23.loan amount 贷款额24.cheque drawer 支票出票人25.credit cards 信用卡26.credit agreement 信贷协定27.reserve ratio 存款准备金比率28.issue bank 发行银行29.savings deposit 储蓄存款30.fixed deposit (=time deposit) 定期存款31.demand-deposit or checking-accounts 活期存款32. cash register 现金登记机，现金收入记录机，收银机33. dual trading 双重交易34. dumping 抛售35. financial world 金融界36. financial transaction 金融业务37.financial statement analysis 财务报表分析38. financial risk 金融风险39. financial lease 金融租赁40. electronic debts 电子借贷41.fundamental insurance 基本险42. future 期货43.futures commission merchants 期货经纪公司44.futures contract 期货合约45.futures delivery 期货交割46.futures margin 期货保证金47.futures market 期货市场48.futures price 期货价格49.futures transaction 期货交易50. cash receipts (CR) 现金收入51. cash receipts journal 现金收入日记帐52.cash records 现金记录53.cash ratio 现金比率54. draw 提款55. draw cheque 签发票据56. easy credit 放松信贷57.online-finance 在线金融58.online client （银行的）网上客户59.paper profit 帐面收益60.physical assets 有形资产61.project fund system 项目资本金制度62.share(stock) option 期权，股票认购权63. money-market 短期资本市场64. switch trade 转手贸易65. virtual bank 虚拟银行66. pension fund 养老基金67. venture-capital 风险资本ernment bond 政府债券69. shareholder 股东70. cook the book 做假帐71.regulatory system 监管体系72. audit 审计73. accounting firm 会计事务所74.Great Depression 大萧条75. recapitalize 资产重组76. automatic transfers between accounts 自动转帐77. balance 结余，差额，平衡78.bank balance 存款余额79.insurance contract 保險契約，保險合同80.insurance salesman 保險外勤81.insurance services 保險業務82.insure against fire 保火險83.appointed bank 外汇指定银行84.appreciation of exchange rate 汇率升值85.arbitrage 套利86.arbitrage of exchange 套汇87.arbitrage opportunity 套价机会88.arbitrage risks 套汇风险89.aftermarket 次级市场90.Interbank market 银行同业市场91.interest rate futures contract 利率期货合约92.interest rate policy 利率政策93.interest rate position 利率头寸94.interest rate risk 利率风险95.interest restriction 利息限制96.interest subsidy 利息补贴97.Industry and Commercial Bank 工商银行98.Swiss Bank Corporation 瑞士银行99.Standard Chartered bank 渣打银行100.Agricultural Bank of China 农业银行101.National City Bank of New York 花旗银行102.Hong Kong and Shanghai Banking Corp 汇丰银行103.foreign exchange crisis 外汇危机104.foreign exchange cushion 外汇缓冲105.foreign exchange dumping 外汇倾销106.foreign exchange earnings 外汇收入107.foreign exchange liabilities 外汇负债108.foreign exchange loans 外汇贷款109.foreign exchange parity 外汇平价110.foreign exchange quotations 外汇行情111.foreign exchange regulations 外汇条例112.foreign exchange reserves 外汇储备113.foreign exchange restrictions 外汇限制114.income in kind 实物所得115.income tax liabilities 所得稅債務116.income taxes 所得稅117.indemnity 賠償，補償118.indirect arbitrage 間接套匯119.insurance broker 保險經紀人120.insured 被保險人121.reserve 储备122.note 票据123.discount贴现124.circulate流通125.central bank 中央银行126.credit union 信用合作社127.paper currency 纸币128.credit creation 信用创造129.branch banking 银行分行制130.out of circulation 退出流通131.capital stock股本132.the gold standard金本位133.deficit 亏损134.default不履约135.auction拍卖136.collateralize担保137.markup价格的涨幅138.dealer交易员139.broker经纪人140.face amount面值141.floating-rate 浮动比率142.premium升水143.discount贴水144.deficit赤字145. funds statement 资金表146.capital movements资本流动147.foreign exchange dealings外汇交易148.balance of payment国际收支149.forward rate远期汇率150.cross rate交叉汇率二、专业英语句子翻译（20句）：1.The more profitable the company is, the easier to raise funds for the buyout.公司越有投资价值，越容易筹款收购。
银行专业术语金融英语(中英文对照)
.1.现金业务：cash business2.转账业务：transfer business3.汇兑业务：currency exchange business4.委托收款：commission receivables5.发放贷款：loans6.贷款收回：loan recovery7.贷款展期：loan extension8.办理银行汇票：apply for bank drafts9.收息：interest10托收：collection其他相关：帐目编号account number存户depositor存款单pay-in slip存款单a deposit form自动存取机a banding machine存款deposit存款收据deposit receipt私人存款private deposit存单certificate deposit.存折deposit book信用卡credit card本金principal透支overdrafts overdraw双签a counter sign背书to endorse背书人endorser兑现to cash兑付to honor a cheque拒付to dishonor a cheque止付to suspend payment支票cheque ,check支票本cheque book记名支票order cheque不记名支票bearer cheque横线支票crossed cheque空白支票blank chequerubber 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。
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note
• ATM 自动取款机
( Automated teller machines)
• POS 销售终端 （Point of Sale）
Note
• EFTPOS 销售点电子转帐系统 （Electronic Funds Transfer at the Point of Sale） • 消费者能够使用自动提款卡在销售点付款。 消费者也可透过EFTPOS 系统使用 NETS CashBack服务，轻易地在零售商店提领现 金。
Supervisory Bodies
• China Banking Regulatory Commission (CBRC) 中国银行业监督管理委员会-银监会 • China Securities Regulatory Commission (CSRC) 中国证券监督管理委员会-证监会 • China Insurance Regulatory Commission (CIRC) 中国保险监督管理委员会-保监会
Note
• Don’t leave your money in a piggy bank or under your mattress.
• Piggy bank You should take that money out of your piggy bank and make a savings account.
2
国有商业银行
The establishment of four specialized banks -- the Industrial and Commercial Bank of China (ICBC) -- the Agricultural Bank of China (ABC) -- the Bank of China (BOC) -- the China Construction Bank (CCB) four state-owned commercial banks vs joint equity commercial banks
Note
• Prior • 1. 优先的; 在前的; 较早的 • 2.【证券】有优先权的 prior to是副词短语，表示“优先于...” agree without prior consultation 不谋而合
Note
• Claim 1. 声称, 断言 2.拥有；索取，认领 • baggage claim提取行李
Note
• • • • Passbook 存折 Debit card 借记卡 Credit card 信用卡 Certificate of deposit 存款单，存款证 银行签发给存款人的存款凭证
Debit Vs. Credit
• Debit card is nothing but ATM card if you have balance in your account you can draw up to that amount. • Credit card means as a loan you are allowed to draw up to a limit and it has to be repaid within that period.
Note
• Invalid （法律官方）不承认的， 无效的 having no cogency or legal force Test report is invalid if modified. This contract will become invalid after a specified date. 合同将会过期作废
Note
• Outlet 出口, 发泄的途径出路； 经销店，廉价经销店； 排放管，插座
Note
• Pledge 抵押，质钱，抵押品 • a loan on pledge of personal property 以动产抵押的货款
Homework
• Page 29 • #A2 and #A4 vocabulary • 英文，中文
Don't trouble to do it on my behalf. 不要(代)替我去做这件麻烦事。
Behalf
• In behalf of for someone's benefit Don't trouble to do it in my behalf. 不要为了我的利益去做这件麻烦事了
Note
• Savings deposit 储蓄存款 eg：The savings deposit is a method of deposit that sets no limits on maturity date, time and amount of deposit and withdrawal.
Note
• Time deposit 定期储蓄存款 • Passbook 存折 You can have both a time deposit and a current deposit account in the one passbook. 你可以在一本存折里既有定期账户，又有 活期账户。
• Lump-sum 一次付款额，总金额 • Withdrawal n. 收回, 取回, 撤回; 撤退, 撤走
Note
• Withdraw
• • • •
v.
1. 停止提供；不再给予 2. （使）退出 3. 提，取（银行账户中的款） 4. 收回，撤回，撤销（说过的话）
What kind of currency do you want to withdraw? 您要取哪种货币? I want to withdraw a statement I made earlier. 我想收回我早些时候发表的一项声明
eg： I default on the installment payment.
(字典) merriam-webster online /
Credentials
• Credential 信任书，资格认证 （certified documents showing that a person is entitled to credit or has a right to exercise official power ）
Note
Saving n. 1. 节约, 节俭 2. 储蓄金, 存款 3. 挽救, 搭救 Savings n. 1.存款，储蓄
Saving is getting
Saving Private Ryan
Note
• Lump-sum deposit • Lump-sum withdrawal 整存 整取
4
Part Ⅱ Retail Banking
Bank Accounts (银行账户） • In this chapter we can learn the financial words about bank accounts. • We also can see the various ways in which the individuals can save money in a bank in this chapter.
Chapter 2 Retail bank： Bank Accounts
L/O/G/O
Banking System
• Central bank • Policy bank • State-owned commercial bank （国有商业银行） • Joint-equity commercial bank （股份制商业银行） • Local commercial bank • Rural cooperative bank （农村合作银行）
Note
• Principaost important 2. 资本的；本金的；本钱的
• n. 本金，资本，股票的票面价值 eg: Please repay principal and interest
Note
• Certificate 1. 证明书, 执照,结业证书 eg: Quality certificate 2. 凭证；单据；证券 eg: time certificate 定期存单
Certificate of deposit 存单，储蓄存单
Note
• Maturity 1. 成熟;成熟期;发育完全 eg：Wisdom is the badge of maturity. • 2. (金融)到期 eg： Payment at maturity 到期付款
Note
• Installment n. 分期付款;分期交付 ——a payment of part of a debt; usually paid at regular intervals
Note
• I.D card 身份证 Identity card • etc
adv. 等等，以及其他（略作etc.或&c.） 但得注意，人名后不宜用 。
[拉丁语]et cetera
Note
• Behalf n. 方面, 利益, 赞同 • on behalf of as the agent of or on someone's part
Thank You!
L/O/G/O
Note
• Branch
1. 树枝, 枝条 2. 分支, 分科, 分系 3. (机构、组织、体系的)一部分，部门 an administrative division of some larger or more complex organization The company needs reorganizing root and branch.