《常见银行英语》PPT课件

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常见银行英语

常见银行英语词汇+各种银行术语和句子大全来源：李家琳的日志常见银行英语词汇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 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。

常见银行英语词汇必备学习精品文档12页

常见银行英语词汇美式论文、报告写作技巧编者按：美式教育的特点即是课程内容强调学生参与及创新运用，因此，报告便成了常见的考核学生学习成果的方式，比如实验报告、学期报告、专题报告、研究报告及论文（含毕业论文）等。

研究生presentation 及seminar 的机会更是占很大的比重，有些甚至占学期成绩很大比例。

如何完成报告、论文同时得到良好的成绩，是本文提供给有志留学的有心人参考的目的。

美国大学生由於自小已养成自动寻找答案习惯，在启发式的教育环境下，写报告、论文对他们来说比较不陌生，虽然专业知识上美国学生不见得比外籍学生强，但是表达能力由於自小培养，加上英语能力的优势，常比外籍学生在报告、论文方面有较隹的利基。

反之中国学生比较缺乏报告写作的训练，因此如果在留学过程中无法适应美式教育会比较辛苦，其实论文、报告的写作要领其实不难，只要把握技巧就可水到渠成。

通常论文由篇首(Preliminaries)，本文(Texts)以及参考资料(References)三部分构成；而这三大部分各自内容如下：(一) 篇首：封面(Title)序言(Preface)谢词(Acknowledge)提要(Summary)目录(Tables and Appendixes)(二) 本文：引言(Introduction)主体，含篇(Part)、章(Chapter)、节(Section) 、以及注释(Footnotes)(三)参考资料：参考书目(References or Bibliography)附录资料(Appendix)。

进行论文或报告写作之前，先要确定想要表达的主题，主题确定后，将其具体表达，即为题目。

题目可以提供研究者：一.研究的方向二.研究的范围三.资料搜集的范围四.预期研究成果通常在确定题目之後就开始找资料从事研究，建议在找资料之前最好去问教授有哪些参考资料来源可供参考引用。

构思为确定写作大纲或Proposal 的先前步骤，大纲是论文、报告的骨干，Proposal 是研究的架构、流程及范围的说明书。

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。

银行英语课件

for you? B: Can I exchange some
money here? A: I’m sorry the service is not
available at our bank now. I recommend you to the nearest bank, China Merchants Bank./ Certainly, please.
1.谢谢光临。 2.谢谢您告诉我这些。
3.很高兴听到您决定在我们银行办理业务。
4.琼斯先生，很高兴见到您。
5.希望早日再见到您。 6.我很荣幸。祝您今天
过得愉快。 7.哦，我现在得走了。
Unit 3 At the Inquiry Desk Sentences
1.Postal Savings Bank of China. May I help you?
5. 就在这过这道门，然后一直
往前走到走廊的尽头。
8. 不用谢。
Unit 1 Sentences
9. Would you mind if I asked your nationality?
10.What’s your passport number? 11.May I ask your name, sir? 12.How do you want your money? 13.By the way, do you have a telephone
2. This way, please. 3. Please follow me. 4. Please go to counter number 6. 5. Just here, I’ll attend to it for
you. 6. That’s handled over there. 7. Please go through the door,

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, Agricultural Bank of China, ABC中国建设银行, China Construction 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, Agricultural Development Bank of China, ADBC中国进出口银行, The Export-Import Bank of China, China Eximbank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, China Minsheng Banking Corporation Ltd., CMBC华夏银行, Hua Xia Bank, HXB中信银行, China CITIC Bank兴业银行, Industrial Bank, CIB上海浦东发展银行, Shanghai Pudong Development Bank, SPDB 或SPD BANK 广东发展银行, Guangdong Development Bank, GDB深圳发展银行, Shenzhen Development Bank, SDB厦门国际银行, Xiamen International Bank, XIB投资银行:中国国际金融有限公司, China International Capital Corporation Limited, CICC世界各大银行中国银行Bank of China 中国汇丰银行Hongkong and Shanghai Banking Corp. 香港里昂信贷银行Credit Lyonnais 法国巴黎国民银行Banque Nationale de Paris 法国农业信贷国民银行de Caisse Nationale Credit Agricole 法国西太平洋银行公司Westpac Banking Corp. 澳大利亚米兰银行Midland Bank 英国劳埃德银行Lloyds Bank PLC. 英国国民西敏寺银行National Westminster Bank PLC. 英国阿比国民银行Abbey National 英国巴克莱银行Barclays Bank PLC. 英国巴西银行Banco Do Brasil 巴西花旗银行Citibank 美国汉华实业银行Manufacturers Hanover Corp. 美国大通曼哈顿银行Chase Manhattan Bank 美国第一洲际银行First Interstate Bancorp 美国梅隆国民银行Mellon National Corp. 美国美洲银行(全称/"美洲银行国民信托储蓄会/") Bank America Corp( /"Bank of America National Trust and Savings Associations/") 美国摩根保证信托银行Morgan Guaranty Trust Corp. of New York 美国纽约化学银行Chemical New York Corp. 美国纽约银行家信托公司Bankers Trust New York Corp. 美国芝加哥第一国民银行First Chicago Corp. 美国太平洋安全银行Security Pacific Corp 美国西德意志地方银行Westdeutsche Landesbank 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 日本大和银行Daiwa Bank 日本第一劝业银行Dai-Ichi Kangyo Bank 日本东海银行Tokai Bank 日本东京银行Bank of Tokyo 日本日本兴业银行Industrial Bank of Japan 日本三和银行Sanwa Bank 日本三井银行Mitsui Bank 日本三菱银行Mitsubishi Bank 日本住友信托银行Sumitomo Trust & Banking 日本国民劳动银行Banca Nazionale del Lavoro 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Cassa Di Risparmio Delle Provincie Lombarde 意大利西亚那银行Monte Dei Paschi Di Siena 意大利意大利商业银行Banca Commerciale Italiana 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 Imperial Bank of Commerce 加拿大加拿大皇家银行Royal Bank of Canada 加拿大荷兰农业合作社中央银行Cooperatieve Centrale Raifferssen-Boerenleenbank 荷兰荷兰通用银行Algemene Bank Nederland 荷兰瑞士联合银行Union Bank of Switzerland 瑞士瑞士信贷银行Credit Suisse 瑞士瑞士银行公司Swiss Bank 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-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XXX(银行名称)，GUANGZHOU BRANCH，XXX ROAD SUBBRANCH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。

商业-银行2.ppt.Convertor

A商业银行概述B商业银行负债业务C商业银行资产业务D商业银行中间业务一、商业银行概述一）商业银行的产生与发展1、商业银行的产生最早的银行：威尼斯银行1580年。

米兰银行等1593年商业银行产生的历史过程货币兑换业——货币保管业——汇兑结算信托——货币经营业——货币借贷——吸收存款——发放贷款——商业银行一、商业银行概述“银行”词义溯源始于意大利文“Banco”，原意为长凳；英语转化为“Bank”，意为存钱的柜子。

英语中与凳子有关的词：破产：banquet; 宴会：bankrupt；江湖骗子：mountebank在中国，历史上曾以白银为主要的货币材料，经商的店铺称为“行”，故译为“银行”。

2、现代商业银行的出现现代银行业：组建新的股份制银行；旧有高利贷银行的转化1694年英格兰银行的创办，标志着现代银行制度的建立。

中国最早的存款机构：寺院中国最早的储蓄机构不是银行，而是寺院。

寺院数目多，分散广，很有资财；又是佛住的地方，人们不敢偷寺院的东西。

所以，存款在寺院，既稳妥又方便。

早在魏晋南北朝时期，寺院就兼营存放款业务。

中国通商银行是中国第一家发行纸币的银行，1896年盛宣怀向清政府奏请开办，于1897年4月26日正式开业。

3、现代商业银行的发展趋势（地理位置优势和分支机构数量不再重要）业务经营综合化（全能化）——银行资本证券化——金融服务国际化——银行电子化——业务处理自动化；管理信息化；服务精细化（二）商业银行的概念商业银行是以获取利润为经营目标、以多种金融资产和金融负债为经营对象、具有综合性服务功能的金融企业。

《中华人民共和国商业银行法》：“商业银行是依照本法和《中华人民共和国公司法》设立的吸收公众存款、发放贷款、办理结算业务的企业法人。

”三）、商业银行的性质与业务经营特点1、商业银行业务经营特征：高负债，高风险经营；激烈竞争中的经营；严格监管下的经营2、商业银行的性质：特殊的金融企业商业银行是特殊的金融企业：有别于其它银行综合性、多功能金融企业商业银行是特殊的企业：有别于其他企业特殊的经营方式；经营特殊的商品商业银行是企业：以盈利为目的、独立核算、照章纳税、自负盈亏1、基本职能：信用中介2、传统业务：支付中介积少成多；变死为活；续短为长；化储蓄为投资商业银行职能1、信用创造：特有职能派生存款与商业承兑汇票。

常见银行英语词汇(33页)

银行英语发表于: 星期六十一月25, 2006 16:43 常见银行英语词汇帐目编号存户存款单a 存款单a 自动存取机存款存款收据私人存款存单, 存折本金, 透支双签背书背书人兑现a 兑付a 拒付止付支票支票本记名支票不记名支票横线支票空白支票空头支票, 票根现金支票's 旅行支票转帐支票未付支票已付支票伪支票's 庄票，银票银行家行长储蓄银行花旗银行汇丰银行, 麦加利银行I' 东方汇理银行, , 's 中央银行, 发行币银行商业银行，储蓄信贷银行, 储蓄信贷银行贴现银行汇兑银行委托开证银行, 开证银行, 通知银行议付银行保兑银行付款银行代收银行委托银行清算银行钱庄银行分行信托储蓄银行信托公司金融信托公司信托投资公司银行的信托部银行的信用部( ) 商业信贷公司（贴现公司）, 街道储蓄所合作银行商业兴信所无人银行土地银行交通银行互助储蓄银行, 抵押银行实业银行家宅贷款银行准备银行特许银行往来银行, 承兑银行合资银行, 钱庄信用社票据交换所公共会计商业会计成本会计折旧会计电脑化会计总帐分户帐现金出纳帐现金帐, 日记帐，流水帐坏帐结余游资经济周期经济繁荣经济衰退经济萧条经济危机经济复苏通货膨胀通货收缩货币贬值货币增值国际收支顺差逆差硬通货软通货国际货币制度货币购买力货币流通量纸币发行量国家预算国民生产总值公债, 股票债券国库券债务链直接（对角）套汇间接（三角）套汇, 套汇汇率() 外汇储备外汇波动外汇危机贴现, 贴现率黄金储备() 金融市场股票交易所经纪人佣金簿记簿记员申请单对帐单信用证, 保险库等价税则签字式样, 营业时间银行英语口语－取款、结余I'd I I Tianjin.我想知道一下我是否能提取存款来支付天津购物的费用。

I 200 .我要从我的定期存款中支取200美圆。

I .我想结束在你们这儿的帐户。

I'd 100 .我想从这份信用证上提款100元。

金融英语PPT教学课件 Unit3 Commercial Bank and its Services

Introduction to Commercial Bank The general role of commercial banks is to provide financial services to the general public and business, ensuring economic and social stability and sustainable growth of the economy.（确保经济和社会的稳定和经济的可持续发展）
Commercial Bank Operations Liabilities operations 1)Accepting Deposits 2) Borrowing Operations
Assets operations 1)Discounting Bills of Exchange 2) Loans 3) Securities Investment
Borrowing Operations • It mainly includes rediscounting or borrowing from the central bank, inter-bank borrowing, the issuance of financial securities, borrowing from the international money market, and the occupation of short-term capital in the process of settlement.
Accepting Deposits
• A primary function of money is its use as a means of payment. • Consequently, one of the most important reasons for becoming a bank depositor is to use the payment facilities of the commercial banking system.

常见银行英语ppt课件

2023/12/31
• 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
2023/12/31
• 中国民生银行 China Minsheng Banking Co., Ltd
• 广东发展银行 Guangdong Development of China
• 深圳发展银行 Shenzhen Development of China
• 上海浦东发展银行 Shanghai Pudong Development Bank
• 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 su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

《商业银行介绍》PPT课件

Asset (%)
Liabilities(%)
PNC CNB
Loans
78.0 64.9 Deposits
Investments 8.7 25.6 Borrowings
Cash
5.6 5.7
Other
7.7 3.9 Capital
Total
100 100 Total
PNC CNB 72.8 91.7 18.9 1.0
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38
银行经营的基本原则
流动性管理（liquidity management）资产管理（asset management）负债管理（liability management）资本充足率管理（capital adequacy
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15
活期存款(checkable deposits)
活期存款：存款人可随时从存款账户上支取存款余额的一种存款形式,存款人支取存款时必须使用银行规定的支票。因此, 又称为支票存款。
成本包括： 1、利息支付 2、费用:已付款支票的处理和存藏、月报的编制
和发送、现金出纳设施(出纳人员及设备)的提供、银行形象(经营地点、营业大厦、分支机构等)的设计与维护、广告宣传、市场营销等服务费用。
7. 买卖政府债券、金融债券
8. 从事同业拆借；
9. 买卖、代理买卖外汇；
10. 从事银行卡业务
11. 提供信用证服务及担保；
12. 代理收付款项及代理保险业务；
13. 提供保管箱服务；
14. 经银监会批准的其他业务。
精选ppt
9
资产负债表（Balance Sheet）
资产＝负债＋资本 Assets = Liabilities + Equity

银行英语 Banking English 课本文档

Unit OneIntroductionSection One: The Introduction of currencyPassage One: The Origin of CurrencyIn ancient history coins circulated as money long before paper money was used. The earliest coins are believed to have originated independently in both China and the ancient kingdom of Lydia in the 7th century BC. In about 500 BC, The famous Persian King, Darius, revolutionized the economy of his empire by using coins as a substitute for barter. Evidence of this change has been found in the well-preserved inscriptions and rock carvings in Persepolis in Iran.Paper money appeared in China in the 8th century. It is well-known that printing with movable blocks was invented in China approximately 50 BC, and paper was firsts manufactured there in about 100 AD, both necessary to the manufacture of paper currency. The earliest paper money consisted of receipts that were issued either for valuables deposited at special shops for safekeeping or for taxes paid-in kind and held on deposit in a provincial center rather than being shipped to the capital. Visitors to China during the 12th and 13th centuries were impressed by the use of paper money. Marco Polo regarded ―the coinage of this paper money‖ as a novel way of doing what the alchemists had tried. In the 13th century the government of Genghis Khan exchanged its paper notes for gold, and counterfeiting paper money was a capital offense. Although governmental units in China had given up the issuance of paper money by the year 1500 because of difficulties with oversupply and inflation, private banks continued to issue it.In Europe during the Middle Ages there were important developments in banking and credit in the large trading centers of Florence, Venice, Genoa, Constantinople and Bruges. However, these centers did not use paper money, even though banks transferred funds with letters of exchange and extended credit in the form of delayed payments. It is believed that paper currency was first used in Europe in the 7th century, at about the same time that the first commercial banks were established in Swedenand Great Britain.Paper money was used quite early by settlers in North and South America. In 1685 there was a critical shortage of coins in Canada, and the French colonists used playing cards carrying official seals and signatures as money. In the 18th century paper money was issued in most of the American colonies. The early American colonists had few coins and often used commodities, such as furs and tobacco, as the medium of exchange. The Britain coins the colonists had usually soon went back to Britain to pay for imports. A major source of coins in the colonial period was the favorable trade balance with the Spanish colonies. This caused an inflow of Spanish pesos. Because of the need for coins, the government of some colonies attempted to attract Spanish coins by raising the price of Spanish dollars in terms of shillings. Most of the Spanish pesos were minted in Mexico City and Lima. The colonists called them dollars, probably they were similar in size to the German thaler.Note: Money is the most general term while cash usually means in coins or notes. In the history, there are many idioms passed down about money both in China and abroad, such as, ―Money is the king.‖―Money can‘t buy you love.‖―She intends to marry money.‖―Money talks.‖―Money burns a hole in one‘s pocket.‖―Money makes everything go.‖―Money makes money.‖ And money-spinner, money-grubber, money bags etc.Passage Two: The History of American DollarA book called ―A History of Money‖is written by a British professor Glyn Davies. He wrote that during American colonial times, the British pound was in short supply. So the colonists had to find substitutes – tobacco, for example, even foreign coins. Some colonies printed their own money. Britain was not happy. This became one of the causes of thee American Revolution.The colonists printed notes called Continentals to pay for the war. The value of some Continentals was based on the British pound. Others were based on the Spanish peso or dollar coin. The world dollar came from the German word ―taler‖ (Tah-ler). That came from the name of a place where silver was mined and made into coins.The United States declared its independence in seventeen-seventy-six. Inseventeen-ninety-two, the nation chose the dollar as its unit of currency. One dollar equaled one-hundred cents. It still does. The Constitution gives Congress the power to print money and set its value. In nineteen-thirteen, Congress created the United States central bank, the Federal Reserve, to supervise the money supply.The Bureau of Engraving and Printing produces bank notes for the Federal Reserve System. The bureau began in eighteen-sixty-two as a six person operation in the Treasury Department. Steam powered the presses. Today money is printed twenty-four hours a day. Notes came in one, five, ten, twenty, fifty and one hundred dollar amounts. Design changes have been made in recent years to improve security.The United States Mint produces coins. The Associated Press reported just this week about a special coin. Coin collecting experts say they have identified a two-hundred-ten-year-old silver dollar. Some consider it the first silver dollar ever made by thee United States Mint. The American Numismatic Association, a collectors group, says it plans to show the coin to the public as of next month.Section Two: The introduction of banking historyPassage Three: Banking HistoryListening to the following passage carefully and choose the best answer to each question you hear.1.a) They exchanged money with foreign travelers.b) They loaned local coins to foreign travelers.c) They kept their money in strong boxes at home.d) They loaned money to kings and rich people.2. a) The early bankers in Italy worked on the street.b) The word ―bank‖ comes from the word ―bench‖.c) Banking has a long history.d) Early bankers did business in a small way.3. a) Italian bankers / in the 16th century.b) British bankers / in the 17th century.c) American bankers /in the 18th century.d) None of the above.4. a) In the 16th century.b) In the 17th century.c) In the 18th century.d) In the 19th century.5. a) Robbery was not serious in early civilizations.b) European kings were not really rich.c) The first bankers in the world emerged in Italy.d) The business of banking has thrived steadily since its beginning.Passage Four: Origins of Modern BankingThe word ―bank‖is thought to have come from Italy, from the Italian word ―banca‖. Translated, this is understood to mean bench; bench meaning a long board on which one sat. In old Italy when one was bankrupt, everything involving the business, including furniture and especially the bench for conducting business, was liquidated, or even taken away. As a result, when someone goes out of business, we still today call it being bankrupt; in the literal sense, a person loses the bench from which they conducted business.In the sense that we understand it today, modern banking began near the 1700s. Around 1694, the Bank of England accepted commercial deposits from businesses and other commercial enterprises. They made loans against the commercial deposits, and also, at the same time, operated as an agent for the British government. Despite its support by the British Government, the Bank of England is considered a predecessor of modern banking, at least in the United Kingdom.So modern banking, as far as we are concerned, began roughly in 1700 or in this particular case, the exact year was 1694.Passage Five The History of Bank of ChinaThe Bank of China is one of the biggest banking institutions of our country. It also has the longest history among the present banks in China. It was set up in 1912. Its predecessor was the Treasury Bank, established in 1905, which in 1908 changed its name to the Bank of Great Qing. In January 1912 Dr. Sun Yet Sen, the interimpresident of the Public of China, approved that the Bank of Great Qing should be transformed into the Bank of China. It acted as the central bank in old China before 1949. Roughly speaking, there were two periods in the development of the Bank. The first period was from 1949 to 1994. It was mainly a state-owned specialized foreign exchange bank, responsible for international settlements of trade and non-trade. In 1994, the Chinese-foreign exchange system underwent a big change. The dual track of the foreign-currency system was replaced by a single track foreign-currency system. So that‘s to say, starting in 1994, selected banking business was permitted to operate alongside the banks authorized by the Central Bank. Each of them was free from its specificity and this performed and accelerated commercialization of the state-owned banks.Being a famous international bank, Bank of China has made a rapid development in recent years. Actually in line with the development of the international financial situation and to meet the needs of clients, the Bank has over recent years developed financial relations with foreign countries and have offered more diversified services, such as operation of state foreign exchange reserves, international settlement, supporting foreign trade, overseas business, credit cards and travelers checks, etc.The main functions of BOC are to raise, utilize, accumulate and manage foreign exchange funds, to issue Hongkong dollars and Macao potacas as well as foreign-currency bonds and other marketable securities, to engage in all kinds of foreign exchange business, and to participate in international financial activities.The major services provide by the Bank mainly involve the following five aspects; the first one is international trade and non-trade settlement, overseas Chinese remittances and other international remittances. The second one is inter-bank deposits and loans. The third one is Renminbi deposits and loans. The fourth one is foreign-currency deposits and loans. And the fifth one is buying and selling of foreign exchange and bullion trading in the international markets.After China‘s participation in the WTO and with the global financial integration, the Bank quickly brushes up its technology advancement, develops more new products, enlarges and widens its service scope to get itself into the line with worldbanking industry, and meanwhile fights against its internal risk to win a best profit.In order to mange and dispose the non-performing assets, the China Orient Management Corporation was set up after approval by the State Council and the People‘s Bank of China. So the non-performing assets can be stripped off from the BOC step by step, and then managed and disposed in line with the principle of preserving state assets and minimizing losses.Unit TwoBanking SystemPassage One: Banking System in ChinaAfter more than two decades of rapid development, China is now moving towards a modern and market-oriented banking structure to meet the needs of the country‘s increasing growth and development. Especially after mid 1990, banks in China began to pay attention to capital adequacy requirements, non-performing and bad loans, profitability and also overall expansion strategy.In order to better meet the demand of the economic reform, the new banking system is taking shape. Now we have the central bank—the People‘s Band of China, some domestic policy banks, some state commercial banks transformed from specialized state-banks and newly emerged commercial banks. Also there are other banking institutions such as investment bank, investment companies and securities corporations etc.The People‘s Bank of China supervises all the state-owned commercial banks and all the other commercial banks, including non-banking financial institutions. It has an extensive branch network all over the country. Since 1998, it has a completely new allocation of its branches, with a replacement of regional management. As central bank, it will formulate and implement monetary policies, execute supervision and control power over the banking industry. In our country under the leadership of the State Council, the main functions of the Central Bank are to formulate and implement monetary policies to supervise and administrate banking institutions in accordance with regulations and laws, to supervise and control the financial markets, to promulgate ordinances and rules concerning financial administration and business, to hold, administrate and manage the state foreign exchange reserve and bullion reserve, to manage the state treasury, to maintain the normal operation of the systems for making payments and setting accounts, to be engaged in relevant international banking operations in its capacity as the central bank of the state, and to beresponsible for statistics, investigation, analysis and forecasting the whole banking industry of China and the world.Being a central bank, the PBC doesn‘t operate any business directly, but it may use the financial instruments to implement the monetary policies. The PBC can use the monetary policies instruments such as adjusting the base interest rate and the minimum deposit reserve proportion, regulating rediscounting and opening market operations. According to the central bank law, the PBC has the right to exam and approve the establishment, change, termination and the scope of business of banking institutions. It has empowered to audit, check and supervise the banking institutions. Passage Two: The U.S. Banking SystemThe Banking system in the United States is highly complex and has a unique structure. Most countries have a single central bank, closely controlled by the central government, and a small number of commercial banks with many branches. Instead of a single central bank, the United States has a central baking system with twelve separately incorporated Federal Reserve banks located throughout the country. About twelve thousand commercial banks, four thousand S&Ls, twenty thousand credits unions, and thousands of other types of financial institutions help our money economy operate.For most of the period from the American Revolution up to the establishment of the FRS in 1913, the nation operate without a formal central bank. The creation of credit and the issuance of paper currency were largely controlled by individual bankers. All commercial banks chartered before the Civil War and most of those chartered afterward were chartered by state governments. Consequently, the restrictions and conditions of bank operations varied widely. Given this heterogeneity in nineteenth century banking institutions, it is amazing that the nation developed a workable mechanism of credit creation and an acceptable means of exchange. To understand the present banking structure, one must know something about U.S. history and the political controversies that have shaped it. Issues such as state or federal control, concentration of economic power, and the geographically dispersed nature of the population affected commercial banking and central banking.After the American Revolution, the first private banks were established. These banks could have developed along one of two possible courses – branch banking or unit banking. With unit banking, each bank is a separate organization serving primarily its immediate area. A branch banking system may have hundreds or even thousands of banking offices, which are all part of the same institution. Thus, branch banking tends to decrease the overall number of independent banks but increases the total number of banks in each geographic market area.No U.S. bank operates nationwide in the strictest sense of the world. Although this is rapidly changing with the use of electronic banking, bank holding companies, and more liberal interstate banking restrictions, until recently few banks operated in more than one state.The regulations concerning domestic branches are drawn up by the 50 states and apply without distinction to both state banks and national banks (those that hold a federal charter). A federally chartered bank must, by federal regulation, abide by the branching laws of the state where it operates. Until recently, banks could operate domestic branches, if at all, only in the state where the head office is located. Of those states where branch banking was permitted, only about half authorized banks to organize branches anywhere in the state. The other states allowed branches to open only in part of the state.What developed was essentially a unit banking system, with very limited branching in some states. This unit banking system originated in many of the political, social, and economic values within the country following the Revolution. The majority of the population were self-sufficient farmers; manufacturing was still in its infancy. Interstate trade was not important, and people did not know about the factors, such as banking, that facilitate this trade.At the time, it was not generally recognized how important commercial banks could be to economic development. Some people saw them as a stimulant to capital formation; others felt that banks merely lowered the quality of a nation‘s money supply because the bank‘s notes and deposits put ―good‖metallic coins out of circulation. This controversy closely mirrored the controversy between the Federalists,who favored centralizing political power, and the Republicans, who championed state s‘rights and the benefits these accorded to individuals. Clearly, banking development in the United States cannot be divorced from the wider controversy over political rights and powers.By 1811, there were 88 commercial banks in the United States which, with two exceptions, had been chartered by state legislatures. Some bank charters contained rigid specifications concerning the minimum capital stock and the maximum ratio of notes to specie. But often they were not restrictive, and states varied a great deal in banking regulations. Banks in large eastern cities generally operated more conservatively and restricted their loans and note issue to conform to the amount of specie held. Banks in the South and West were usually more liberal. Urban banks tended to be more conservative than rural banks, and overall bank quality deteriorated as one moved away from the major financial centers.These quality differences between banks created a discounting price mechanism for various commercial bank notes. Notes readily convertible into specie circulated at par, and those with reduced or limited convertibility were discounted up to as much as 50 percent. This discount on notes increased with the distance of note circulation from the bank of issue, and there is evidence that the heterogeneous nature of the money stock created problems in exchange and tended to restrict the use of many bank notes to local trade. The absence of uniform banking regulations precluded establishing a national currency and may have retarded economic growth in the country prior to the Civil War.True or False:1.The United States has no single central bank as most other countries do.2.Since the U.S. had no formal central bank, it was impossible to form a workable mechanismof credit creation and an acceptable means of exchange.3. A branch-banking system may have hundreds or even thousands of banking offices but nohead office.4.As the regulations about domestic branches were drawn up by the 50 states, they mean thesame to both national banks and state banks.5.If it is a federally chartered bank, it does not necessarily obey the branching laws of the statewhere it operates.6. A unit banking system means every bank is a separated one without any branches in otherstate where it operates.7.The U.S. has a unique banking system whose development can‘t be divorced form thecontroversy over political rights and powers.8.The discounting price mechanism for various commercial bank notes grew out of the qualitydifferences of the notes convertible into specie.Passage Three: Major types of financial intermediaries of U.K.A. Clearing banksClearing banks are the dominating financial intermediaries in retail banking business in the UK, these banks come under the auspices of the British Bankers Association to handle the clearing functions of banks.These bank groups are responsible for most of the country‘s cash distribution and moneytransfer functions, which include cheque payment services, bank giro credit system, standing orders, direct debits, credit card services and electronic fund transfers etc.In addition to the money transfer functions, the banks also offer the same regular services totheir customers including deposit services, loans, overdrafts, corporate finance business and management advice, international finance and money exchange, leasing services and personal finance, etc.The clearing banks are also responsible for the collection of banknotes from theBank ofEngland and their distribution to various other banks.Most of these clearing banks are the London ―High Street Banks‖. They include: Abbey National plc. Midland Bank plc.Bank of Scotland National Westminster Bank plc.Barclays Bank plc. Royal Bank of Scotland plc.Clydesdale Bank plc. Standard Chartered BankCo-operative Bank plc. TSB Group plc.Girobank plc. Yorkshire Bank plc.Lloyds Bank plc.The retail branch network of the above banks is extensive with over 10,000 branches in the UK. Among these banks, Goribank Group operates through over 20,000 post offices.B. Discount housesBefore September 1983, the discount houses were classified as a British bank group for statistical purposes. Later on, the discount houses have been separated from the main banking group. The discount houses established their own association called the London Discount Market Association.Discount houses provide a primary channel through which the Bank of England operates in the discount market to implement its monetary policy. Because of their easy access to the money market, discount houses act as market-makers in bills since they are the major underwriters of the weekly issues of the Treasury bills of the Bank of England. Therefore, discount houses provide not only short-term funds for the government, but also a channel for banks to adjust their portfolio holdings, i.e. liquidity positions. The rate at which the Bank of England lends to the discount houses has a significant impact on interest rates. Some of the well-known Discount Houses are:The Union Discount HousesAlexanders Discount Co.King & ShaxsonCater, AllenGerrard & NationalC. Merchant banks and acceptance houseWith a long history as an international trading nation, the UK merchant banks developed its unique character. Originally developed to handle businesses consisting of accepting bills or offering acceptance credit facilities in connection with trade, they later expanded into foreign trade, foreign exchange and bullion dealings.Many of the merchant banks are also acceptance house. Indeed, their functions have now expanded into major overseas operations, specializing in company financial advice, takeovers and mergers, underwritings which include the provision of additional capital through shares floatation in various financial centers. Some of the best known merchant bankers are:Hambros Bank Lazard Brothers & Co.Samuel Montague & Co. Rea BrothersMorgan Grenfell & Co. Hill Samuel & Co.N.M. Rothschild & Sons Robert FlemingD. Finance house and Building SocietiesUnder the current UK definition, finance houses and building societies are classified as non-bank financial intermediaries (NBFI). Although these two financial intermediaries are called ―non-bank‖, there is no clearly defined rule as to when a financial intermediary is ―non-bank‖ because of the complexity of its operations. For example, the building societies have already expand their services such as deposit-taking, and resemble those of the commercial banks. The classification, in this respect, is more for statistical recording.(i)Finance HousesFinance houses are licensed deposit-taking institutions which specialized in money lending,particularly on the retail side of the business which includes a wide spectrum of personal lending activities. These include activities in the field of hire purchase of deferred payment schemes in a variety of areas relating to consumer goods such as cars, refrigerators, furniture and television.Finance houses obtain their funds mainly from institutional investors, through the inter-bank market and the negotiable certificate of deposit market. Many of the finance houses are subsidiaries of major banks in the UK. Thus, the parent banks may also be the main supplier of funds to the finance house.(ii)Building SocietiesBuilding societies originated in the provision of housing finance to their members.They are―mutual‖corporations in that the customers are also the shareholders. Although building societies are not entirely profit-oriented, they form an important part of the financial intermediaries sector of the UK financial system. Their main objective is still based on the provision of loans for housing. The building societies dominate the real estate market with more than 75% of the total mortgage debt currently outstanding in the UK.In recently years the building societies have started to offer new services ranging from deposit accounts, ordinary share accounts, to save-as-you-earn facilities. The building societies have also begun to go into the electronic teller system and credit card facilities. Besides, the building societies have already had access to the clearing system, thus allowing them to offer cheque accounts. The main building societies in the UK are Nationwide, Halifax, Woolwich and Alliance & Leicester.E. Foreign banksThe foreign banks in the UK are divided into American, Japanese and other overseas banks. Their presence is either in the form of branches, subsidiary companies, or simply representative offices. Although this bank group provides wide variety of services, it dominates the foreign currency exchange business. Their balance sheets demonstrate that over 80% of their assets and liabilities are currently denominated in foreign currencies.Initially, foreign banks came to the UK mainly because of international trade between their countries and other nations. But as the international financial systems are changing (for example, the expansion of the Eurocurrency market and the rapid development of the European community), there must be yet further growth for foreign bank‘s participation. In order to gain access to the London financial market, foreign banks can set up consortium banks with a British bank as one of the parents, to carry on international banking business.Unit ThreeCentral BankPassage One:Possible relationship between a country’s central bank and its central government1. DefinitionCentral bank is the bank in any country which is authorized by the government of the country to control the amount of credit in the country, to supervise the operations of the commercial banks, to carry out the business of the government and to maintain its accounts, to control the note issue and the country‘s reserves and to preserve the value of the country‘s currency on the foreign exchanges. Such a bank may be working under a finance ministry, as in the U.K., or enjoying a greater degree of independence from governmental control, as in Germany or the United States.2. There are two possible relationships between a country’s central bank and its central government: Independence & Subservience.1). Independence central bankAn independent central bank is one that has complete autonomy to determine the nation‘s monetary policy. Government public servants and elected officials may comment on monetary policy but the governor of the bank is under no obligation to take into account the views of anyone other than his or her own staff and board of directors. The argument for an independent central bank is that it enables monetary policy to be formulated with a long-term view of maintaining stable prices and prevents monetary policy from being used for short-term, political advantage. Countries that have independent central banks today are Germany, the United States and Switzerland. If the EC eventually adopted a single currency, it is generally expected that the new European central bank in control of that currency would be an independent central bank on the model of the German Bundesbank.When the Bank of England was founded, in 1694, it was privately owned bank. However, we have seen that it had privileges conferred on it by the government, and in an。

常见银行英语词汇共28页word资料

银行英语发表于: 星期六十一月25, 2019 16:43 PM 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bank of communications 交通银行mutual savings bank 互助储蓄银行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 营业时间银行英语口语－取款、结余I'd like to know if I can draw on my account for payment of things I buy in Tianjin. 我想知道一下我是否能提取存款来支付天津购物的费用。

常见银行英语1919952页文档

常见银行英语19199
51、山气日夕佳，飞鸟相与还。 52、木欣欣以向荣，泉涓涓而始流。
53、富贵非吾愿，帝乡不可期。 54、雄发指危冠，猛气冲长缨。 55、土地平旷，屋舍俨然，有良田美池桑竹之属，阡陌交通，鸡犬相闻。
56、书不仅是生活，而且是现在、过去和未来文化生活的源泉。 ——库法耶夫 57、生命不可能有两次，但许多人连一次也不善于度过。— —吕凯特 58、问渠哪得清如许，为有源头活水来。—— 朱熹 59、我的努力求学没有得到别的好处，只不过是愈来愈发觉自己的无知。 ——笛卡儿
拉
60、生活的道路一旦选定，就要勇敢地走到底，决不回头。 ——左