General-Entrusted-Loan-Contract一般委托贷款借款合同
银行英文术语
银行英文术语第一篇：银行英文术语银行英文术语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conomic 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营业时间第二篇：银行英文术语PAYING BANK付款行信用证结算方式中开证行在信用证中指定的另一家银行REIMBURSING BANK偿付行信用证结算方式中信用证内指定代开证行向议付行或付款行清偿垫款的银行COLLECTING BANK代收行托收中向债务人收款的银行不知道算不算是收款银行REMITTING ROUTE汇款路径其他还有ISSUING BANK开证行ADVISING BANK/TRANSMITTING BANK 通知行/传递行NEGOTIATING BANK议付行CONFIRMING BANK保兑行ACCEPTING BANK承兑行CORRESPONDENT 代理行第三篇：药剂学英文术语生物药剂学英文汉译英要求Biopharmaceutics生物药剂学 Absorption吸收Distribution分布Metabolism代谢Excretion排泄Transport转运Disposition处置Elimination消除Transcellular pathway细胞通道转运 Paracellular pathway细胞旁路通道转运 Passive transport被动转运 Pore transport膜孔转运Carrier-mediated transport载体媒介转运 Facilitated diffusion 易化扩散、促进扩散 Active transport主动转运Membrane mobile transport膜动转运Pinocytosis胞饮作用Phagocytosis吞噬作用First pass effect首过效应pH-partition hypothesis pH-分配假说 Dissolution溶出Parenteral drug delivery注射给药Oral cavity mucosa drug delivery口腔粘膜给药Transdermal drug delivery皮肤给药Nasal mucosa drug delivery鼻粘膜给药Pulmonary drug delivery肺部给药 Rectal drug delivery直肠给药Ophthalmic drug delivery眼部给药 Distribution分布Accumulation蓄积Apparent volume of distribution表观分布容积Metabolize, metabolism代谢Biotransformation生物转化Inhibition酶抑制作用Inhibitor酶抑制剂Induction酶诱导作用Inducer酶诱导剂英译汉要求Membrane transport膜转运Fluid mosaic model生物膜液态镶嵌模型Extrinsic proteins外在蛋白Intrinsic proteins内在蛋白Fluidity流动性Asymmetry不对称性Semipermeability半透性P-glycoprotein P糖蛋白Vesicle小泡Endocytosis入胞作用Exocytosis出胞作用Kerckring环状褶壁Villi绒毛Epithelium cell上皮细胞Microvilli微绒毛Apical membrane顶侧膜Brush border membrane刷状缘膜Basal membrane基底膜Lateral membrane侧细胞膜Tight junction紧密结合Solvent drag effect溶媒牵引效应Gastric emptying rate胃空速率Liver first pass effect肝首过效应Lymphatic circulation淋巴循环Ionization解离度Lipophilicity脂溶性Dissolution rate溶出速率Molecular weight分子量Oil-water partition coefficient油水分配系数Sink condition漏槽条件Critical particle size, CPS临界粒径Polymorphism多晶型Absorption number, An吸收指数Dose number, Do剂量指数Dissolution number, Dn溶出指数Permeation enhancer透过促进剂或Absorption enhancer吸收促进剂Solid dispersion tech固体分散技术Dispersible tablet分散片Effervescent tablet泡腾片Sustained-release preparation缓释制剂Controlled-release preparation控释制剂Stability稳定性Day/night rhythm昼夜节律Site-specific drug delivery system定位释药系统Oral delayed-release preparation口服迟释制剂Stomach-specific preparation口服胃滞留制剂Floating漂浮型Swelling膨胀型Sticking粘附型Intestine-specific preparation小肠迟释制剂Oral colon-specific drug delivery system, OCDDS口服结肠定位给药系统 In vitro experimental model离体实验模型Tissue flux chambers组织流动室法Mucosa粘膜Secosa浆膜Everted gut sac外翻肠囊法Everted rings外翻环法In situ experimental model原位实验模型Intestine perfusion method肠道灌流法In vivo experimental model体内法Intravenous injection静脉注射Intramuscular injection肌内注射Hypodermic injection皮下注射Intradermic injection皮内注射Solid particle precipitation固体粒子析出Masticatory mucosa咀嚼粘膜Lining mucosa内衬粘膜Specialized mucosa特性粘膜Buccal mucosa颊粘膜Sublingual mucosa舌下粘膜Transdermal drug delivery system, TDDS/Transdermal therapeutic system经皮给药系统Physiologic factors生理因素Iontophoresis离子导入技术Cilia movement纤毛运动Surfactant表面活性剂Eyelid眼睑Eye adjunct眼附属器Cornea角膜Drug-protein binding药物-蛋白结合Albumin白蛋白Alpha acid glycoprotein, AAG α1-酸性糖蛋白Lipoprotein脂蛋白Binding constant结合常数Blood-brain barrier血-脑脊液屏障Inter-membrane transfer膜间转运Contact release接触释放Adsorption吸附Fusion融合Endocytosis内吞Pinocytosis胞饮Long-circulating DDS长循环微粒给药系统Target drug delivery system靶向给药系统Intracellular target of biomacromolecule生物技术药物的细胞内靶向Liver microsome enzymes微粒体药物代谢酶系Live microsome mixed function monooxygenase肝微粒体混合功能氧化酶或单加氧酶Glucuronyl transferase葡萄糖醛酸转移酶The first phase reaction第一相反应Combination reaction结合反应Optical isomerism光学异构Cortex皮质Medulla髓质Nephron肾单位Glomerular filtration肾小球滤过Active tubular secretion肾小管分泌Tubular reabsorption肾小管重吸收Inulin菊粉Biliary excretion胆汁排泄Renal clearance肾清除率Enterohepatic cycle肠肝循环Compartment model隔室模型Single compartment mode一室模型Two compartment model二室模型Multicompartment model多室模型First order processes一级速度过程Zero order processes零级速度过程Nonlinear processes非线性速度过程Pharmacokinetics, PK药物动力学Population pharmacokinetics, PPK群体药物动力学Clinical pharmacokinetics临床药物动力学Therapeutic drug monitoring, TDM治疗药物监测Chronopharmacokinetics时辰药物动力学Physiological pharmacokinetic model生理药物动力学模型Biological half life生物半衰期Sigma-minus method亏量法，又称总和-减量法Steady-state drug concentration稳态血药浓度Loading dose负荷剂量Lag time滞后时间Extravascular delivery血管外给药Plateau level坪浓度Fluctuation percentage, FI波动百分数Degree of fluctuation, DF波动度Product inhibition产物抑制Plasma drug concentration change percentage血药浓度变化率 Capacity-limited process容量限制过程Design of dosage regimen临床给药方案设计Individualization of drug dosage regimes给药方案个体化Bioavailability生物利用度Extent of bioavailability, EBA生物利用程度Rate of bioavailability, RBA生物利用速度Absolute bioavailability, Fabs绝对生物利用度Relative bioavailability, Frel相对生物利用度Pharmaceutical equivalence药剂等效性Bioequivalence生物等效性第四篇：口腔科常用英文术语口腔科常用英文术语1.My tooth is aching again.（我的牙又疼了。
银行业务英语词汇
银行业务英语词汇会计账目用语会计报表statement of account来往帐目account current此刻来往帐 || 存款额 current accout销货帐 account sales共同计计帐项joint account未决帐项outstanding account贷方帐项credit account||creditor account借方帐项debit account||debtor account对付帐 || 对付未付帐account payable应收帐 || 应收未收帐account receivable新交易 || 新帐 new account未决帐 || 老帐 old account现金帐 cash account流水帐 running account呆帐 bad account会计项目title of account借贷细帐 || 交验帐 account rendered持续记帐to keep account与... 有交易 to have an account with清理 || 清理债务 to make up an account洁净帐目 || 与 ...停止交易to close one's account with 结帐 to close an account结清差额to balance the account with检查帐目to examine an account转入 A 的帐户 to charge the amount to A's account以计帐方式付款to pay on account代理某人 || 为某人 on one's account||on account of one 为自己计算 || 独立帐目on one's own account支票用语支票薄 cheque book支票陈票人cheque drawer持票人 cheque holder不记名支票cheque to bearer||bearer cheque记名支票 || 认人支票cheque to order到期支票antedated cheque未到期支票postdated cheque保付支票certified cheque未获兑现支票，退票returned cheque空白支票blank cheque无效支票，过期支票stale cheque一般支票open cheque支票换现金 || 兑现 to cash a cheque清理票款to clear a cheque保证兑现to certify a cheque支票退票to dishonour a cheque拒付支票to refuse a cheque拒付支票to stop payment of a cheque提示要求付款to present for payment支付指定人payable to order已过期 || 无效 out of date||stale请给出票人R/D||refer to drawer存款不足 N/S||N.S.F.||not sufficient funds||I/F||insufficient funds 文字与数字不一致 words and figures differ 改正处应加盖章章alterations require initials互换时间已过effects not cleared停止付款payment stopped支票毁损cheque mutilated汇款用语汇款 || 寄钱 to remit||to send money寄票供取款 || 支票支付to send a cheque for payment寄款人 a remitter收款人 a remittee汇票汇单用语外国汇票foreign Bill国内汇票inland Bill跟单汇票documentary bill空头汇票accommodation bill原始汇票original bill改写 || 换新单据 renewed bill电汇 telegraphic transfer (T.T)担保书 trust receipt||letter of indemnity承兑 || 认付 acceptance单张承兑general acceptance有条件承兑qualified acceptance附条件认付conditional acceptance部分认付partial acceptance拒付 || 退票 dishonour因为存款不足而退票dihonour by non-payment提交 presentation期满 || 到期 maturity托收 collection外汇行情exchange quotation现汇汇率spot rate长久汇率long rate个人汇票折扣率rate on a private bill远期汇票兑换率forward rate付款汇率pence rate当天汇率 || 成交价 currency rate套汇 || 套价 || 公绝交易率arbitrage收到汇款to receive remittance填写收条to make out a receipt付款用语付款方法mode of payment现金付款payment by cash||cash payment||payment by ready cash 以支票支付payment by cheque以汇票支付payment by bill以物件支付payment in kind付清 || 支付所有货款payment in full||full payment按期付款payment on term年分期付款annual payment预支货 || 先付 payment in advance||prepayment延付货款deferred payment立刻付款prompt payment||immediate payment暂付款 suspense payment缓期付款delay in payment||extension of payment结帐 || 清理 || 支付 settlement分期付款instalment滞付 || 拖欠 || 尾数款未付arrears特许迟延付款日days of grace保证付款del credere付款 to pay||to make payment||to make effect payment结帐 to settle||to make settlement||to make effect settlement||to square||tobalance支出 || 付款 to defray||to disburse结清 to clear off||to pya off迟延付款to defer payment||to delay payment付款被迟延to be in arrears with payment还债 to discharge快速付款to pay promptly付款很是恶劣to pay very badly||to never pay unless forced拒绝付款to refuse payment||to refuse to pay||to dishonour a bill惠请付款kindly pay the amount||please forward payment||please forward a cheque.讨取利息to charge interest附上利息to draw interest||to bear interest||to allow interest生息 to yield interest生息 3% to yield 3%存款 to deposit in a bank||to put in a bank||to place on deposit||to make deposit在银行存款 to have money in a bank||to have a bank account||to have money on deposit 向银行提款 to withdraw one's deposit from a bank换取现金to convert into money||to turn into cash||to realize打折扣购置to buy at a discount打折扣销售to sell at a discount打折扣 - 让价 to reduce||to make a reduction减价 to deduct||to make a deduction回扣 to rebate现金折扣cash discount货到付款 || 现金提货cash on deliver (C.O.D.)货到付现款cash on arrival即时付款prompt cash净价 || 最廉价钱付现net cash现金付款ready cash即期付款spot cash||cash down||cash on the nail 凭据据付现款cash against documents凭提单付现款cash against bills of lading承兑交单documents against acceptance (D/A)付款交单documents against payment (D/P)信誉证用语追加信誉证additional credit||additional L/C信誉证金额amount of credit赊帐金额credit balance可取消信誉证revocable L/C不行取消信誉证irrevocable L/C保兑信誉证confirmed L/C不保兑信誉证unconfirmed L/C可转让信誉证assignable L/C||transferable L/C 无条件信誉证open credit||free credit一般讯用证general letter of credit旅游信誉证circular letter of credit特别信誉证special letter of credit信誉证底帐letter of credit ledger信誉证刊行帐letter of credit issued account信誉证金额amount of creditWhat kind of account did you have in your mind?你想开哪一种帐户？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?按期仍是活期？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 saving s.支票户头要收伏务费，现金户头不收。
贷款通则(英文版)
贷款通则People’s Bank of China，Lending General ProvisionsPART ONE ：GENERAL PROVISIONSArticle 1These General Provisions are formulated in accordance with the PRC，People’s Bank of China Law and the PRC，Commercial Banking Law and other relevant laws and regulations in order to regulate lending activities，safeguard the lawful rights and interests of lenders and borrowers，guarantee the safety of credit loan assets，enhance the overall benefit of loan usage and promote the continued development of the socialist economy.Article 2The term “lenders” in these General Provisions shall refer to Chinese-invested financial organizations engaged in the lending business that were lawfully established inside the People’s Republic of China.The term “borrowers” in these General Provisions shall refer to legal persons，other economic organizations，individual industrialists or merchants or natural persons that obtain loans from a Chinese-invested financial organization engaged in the lending business.The term “loans” in these General Provisions shall refer to monetary funds that a lender provides to a borrower and the principal of which is to be repaid，and interest on which is to be repaid at an agreed rate and within an agreed time limit.The term “loan currency” in these General Provisions shall include Renminbi and foreign currency.Article 3The granting and use of a loan shall conform to the laws and administrative regulations of the State and the administrative rules and regulations promulgated by th e People’s Bank of China，and shall respect the principles of beneficiality，security and liquidity.Article 4Lending and borrowing activities between a borrower and a lender shall abide by the principle of equality，voluntariness，fairness and honesty and trustworthiness.Article 5In the development of lending business，lenders shall abide by the principle of fair competition and close co-operation，and may not engage in unfair competition.Article 6The People’s Bank of China and its branches shal l be the regulatory authorities for the implementation of the Lending General Provisions.PART TWO TYPES OF LOANSArticle 7Loans for one’s own account，entrusted loans and specially designated loans：“Loans for one’s own account” shall refer to loans granted on one’s own initiative using funds raised by lawful means，the risk of which shall be borne by the lender，and of which the principal and interest shall be collected by the lender.“Entrusted loans” shall refer to loans for which the funds are provided by an entrusting party such as a government department， a unit of an enterprise or institution，or an individual，of which the use is supervised and the recovery assisted by the lender （being the entrusted party）in accordance with the loan beneficiary，purpose，amount，term，interest rate，etc. determined by the entrusting party. The lender （being the entrusted party）receives only a handling fee but does not bear the loan risk.“Specially designated loans” shall refer to loans which a wholly S tate-owned commercial bank is ordered to grant upon approval by the State Council，and after appropriate remedial measures are adopted to cover losses that may arise from such a loan.Article 8Short-term，medium-term and long-term loans：“Short-term l oan” shall refer to loan with a term of one year or less （including one year）。
最准确银行常用单词中英文对照
最准确银行常用单词中英文对照第一篇：最准确银行常用单词中英文对照本外币活期存款 RMB/foreign currency current deposit、本外币定期存款RMB/foreign currency time deposit 本外币通知存款RMB/foreign currency call deposit 协定存款 agreement deposit 固定资产贷款fixed asset loan 房地产开发贷款housing developing loan 单位流动资金贷款 working capitals loan 转贷款 transfers loan 银团贷款syndicated loan 委托贷款entrusted loan 票据贴现bill discount 证券公司股票质押贷款stock mortage loan 进口押汇import finance 出口押汇 export finance 打包贷款 packaging loan 外币存单质押贷款foreign exchange deposit certificate mortage loan 现金收付业务 cash/non-cash receiving and paying 银行汇票banks bill of exchange 银行本票banks promissory note 支票check 商业汇票commercial bill of exchange 汇兑（信汇、电汇）transfers（mail transfers、telegraphic transfers）票据承兑acceptance of bill 资信证明业务credit proof 代发工资wages paying 代理发行 agency of issuing 兑付债券 redeeming bond 代收公用事业费public utility charge collection 网上银行业务online banking 进口开证import letter of credit 进口代收import collection 出口信用证通知 advice of export letter of credit 出口信用证议付negotiation of export letter of credit 出口托收export collection 外汇光票托收 foreign exchange bill collection 外汇汇入汇款 foreign exchange outgoing remittance 外汇汇出汇款 foreign exchange incoming remittance 提货担保 shipping guarantee 银行保函 letter of guarantee 备用信用证standly letter of credit 结售汇money exchange 活期储蓄 current saving 定期储蓄 time saving 个人通知存款 individual call deposit 定期一本通 fixed time book 兴业卡存取款 depositing/drawing though XINGYE card POS消费转帐业务 POS consumptive transfers 银证通 transfer between bankand security company 银期通 transfer between bank and futures company 个人外汇买卖 personal money exchange 个人存款证明业务personal deposit proof 个人住房按揭贷款Personal housing mortgage loan 住房装修贷款 house renovation loan 个人有价单证质押贷款 personal valued certificate mortgage loan 汽车消费贷款automobile consumptive loan 个人旅游贷款personal travelling loan 个人商用房贷款 personal commercial housing loan 个人授信额度贷款 personal credit facility第二篇：管理学中英文单词对照[范文]第一章管理总论 Manager 管理者First-line managers 基层管理者 Middle managers 中层管理者Top managers 高层管理者Management 管理Efficiency 效率Effectiveness 效果Planning 计划Organizing 组织Leading 领导Controlling 控制Management process 管理过程 Management roles 管理角色Interpersonal roles 人际关系角色 Informational roles 信息传递角色Decisional roles 决策制定角色Technical skills 技术技能Human skills 人事技能 Conceptual skills 概念技能 System 系统Closed systems 封闭系统Open systems 开放系统Environment 环境Special environment 具体环境 General environment 一般环境Contingency perspective 权变观 Organization 组织 Universality of management 管理的普遍性Nonmanagerial employees / Operatives 操作者第二章管理的历史Division of labor 劳动分工Industrial revolution 产业革命Scientific management 科学管理Therbligs 基本动作元素General administrative theorists 一般行政管理理论家Principles of management 管理原则 Bureaucracy 官僚行政组织、层级组织Quantitative approach 定量方法Organizational behavior(OB)组织行为Hawthorne Studies 霍桑研究Workforcediversity 员工多样化 Entrepreneurship 企业家e-business(electronic business)电子商务e-commerce(electronic commerce)电子贸易、电子商务Intranet 内部互联网Total quality management(TQM)全面质量管理Learning organization 学习型组织Knowledge management 知识管理Workplace spirituality 团队精神第三章计划 Decision 决策Decision-making process 决策过程 Problem 问题Decision criteria 决策标准Implementation 实施Rational decision making 理性决策Bounded rationality 有限理性Satisficing 满意Escalation of commitment 承诺升级 Intuitive decision making 直觉决策Well-structured problems 结构良好问题Programmed decision 程序化决策 Procedure 程序 Rule 规则 Policy 政策Poorly structured problems 结构不良问题Nonprogrammed decisions 非程序化决策 Certainty 确定性 Risk 风险性Uncertainty 不确定性 Directive style 指导性风格 Analytic style 分析性风格 Conceptual style 概念性风格 Behavioral style 行为性风格 Planning 计划 Goals 目标 Plans 计划Strategic plans 战略计划Operational plans 作业计划Long-term plans 长期计划 Short-term plans 短期计划 Specific plans 具体性计划 Directional plans 指导性计划 Single-use plan 单一目标计划 Standing plans 标准计划Traditional goal setting 传统目标设定 Means-ends chain 手段－结果链Management by objectives(MBO)目标管理 Mission 使命Commitment concept 承诺概念Formal planning department 正式计划部门Strategic management 战略管理Strategic management process 战略管理过程Opportunities机会 Threats 威胁Core competencies 核心能力 Strengths 优势 Weaknesses 劣势SWOT analysis SWOT分析Corporate-level strategy 公司层战略 Stability strategy 稳定战略 Growth strategy 增长战略Related diversification 相关领域多元化经营Unrelated diversification 不相关领域多元化经营 Retrenchment strategy 收缩战略BCG matrix BCG矩阵波士顿咨询集团矩阵Business-level strategy 事业层战略Strategic business units 战略经营单位Competitive advantage 竞争优势 Cost leadership strategy 成本领先战略 Differentiation strategy 差异化战略 Focus strategy 集中化战略Functional-level strategy 职能层战略 Environmental Scanning 环境扫描Competitor intelligence 竞争者情报、竞争者信息 Forecasts 预测Quantitative forecasting 定量预测 Qualitative forecasting 定性预测 Forecasting Techniques 预测技术 Benchmarking 基准化、标杆 Resources 资源 Budget 预算Revenue Budgets 收入预算 Expense Budgets 费用预算 Profit Budgets 利润预算 Cash Budgets 现金预算 Scheduling 进度计划、规划 Gantt Charts 甘特图 Load Charts 负荷图PERT network 计划评审技术网络Events 事件Activities 活动Slack time 松弛时间 Critical path 关键线路Breakeven analysis 盈亏平衡分析 Linear programming 线性规划 Project 项目Project Management 项目管理 Scenario 设想方案第四章组织Organizing 组织Organizational structure 组织结构 Organizational design 组织设计 Work specialization 劳动分工 Departmentalization 部门化Functional departmentalization 职能部门化Product departmentalization 产品部门化Geographical departmentalization 地区部门化Process departmentalization 过程部门化Customer departmentalization 顾客部门化Cross-functional teams 跨职能团队 Chain of command 指挥链 Authority 职权Responsibility 职责Unity of command 统一指挥Span of control 管理幅度Centralization 集权化Decentralization 分权化Formalization 正规化Mechanistic organization 机械式组织 Organic organization 有机式组织Unit production 单件生产Mass production 大量生产Process production 连续生产 Simple structure 简单结构 Functional structure 职能型结构 Divisional structure 分部型结构 Team-based structure 团队结构 Matrix structure 矩阵结构 Project structure 项目结构Autonomous internal units 内部自治单位Boundaryless organization 无边界组织 Learning organization 学习型组织High-performance work practice 高绩效的工作实践Human resource management process 人力资源管理过程 Labor union 工会Human resource planning 人力资源规划 Job analysis 职务分析Job description 职务说明书Job specification 职务规范Recruitment 招聘 Decruitment 解聘Selection process 甄选过程 Validity 效度 Reliability 信度 Work sampling 工作抽样 Assessment centers 测评中心 Orientation 定向、导向Performance management system 绩效管理系统Written essay 书面描述法Critical incidents 关键事件法Graphic rating scales 评分表法Behaviorally anchored rating scales(BARS)行为定位评分法Multiperson comparisons 多人比较法 Group order ranking 分组排序法 Individual ranking 个体排序法 Paired comparison 配对比较法360 degree feedback 360度反馈skill-based pay 按技能付酬Career 职业生涯、职业Organizational change 组织变革Change agents 变革推动者Organizational development(OD)组织发展Stress 压力Creativity 创造 Innovation 创新第五章领导 Behavior 行为Organizational behavior 组织行为学 Attitudes 态度Cognitive component 认知成分 Affective component 情感成分Behavioral component 行为成分Job satisfaction 工作满意度Job involvement 工作投入Organizational commitment 组织承诺Organizational citizenship behavior(OCB)组织公民行为Cognitive dissonance 认知失调Attitude surveys 态度调查Personality 人性Big-five model 重要的五大模型 Emotional intelligence(EI)情感智商 Locus of control 控制点Machiavellianism 马基雅维里主义Self-esteem 自尊Self-monitoring 自我监控 Perception 知觉Attribution theory 归因理论Fundamental attribution error 基本归因错误 Self-serving bias 自我服务偏见 Selectivity 有选择地接受、选择性 Assumed similarity 假设相似性 Stereotyping 刻板印象 Learning 学习Operant conditioning 操作性条件反射 Social learning theory 社会学习理论 Shaping behavior 行为塑造 Motivation 动机 Need 需要Hierarchy of needs theory 需要层次理论 Physiological needs 生理需要Safety needs 安全需要Social needs 社会需要Esteem needs 尊重需要Self-actualization needs 自我实现需要 Theory X X理论 Theory Y Y理论Motivation-hygiene theory 激励－保健理论Hygiene factors 保健因素 Motivators 激励因素Three-needs theory 三种需要理论Need for achievement(nAch)成就需要Need for power(nPow)权力需要Need for affiliation(nAff)归属需要 Goal-setting theory 目标设定理论 Reinforcement theory 强化理论 Reinforcers 强化物 Job design 职务设计Job scope 职务范围Job enlargement 职务扩大化Job enrichment 工作丰富化 Job depth 职务深度Job characteristic model(JCM)职务特征模型 Skill variety 技能多样性Task identity 任务同一性Task significance 任务重要性Autonomy 自主性 Feedback 反馈Equity theory 公平理论 Referents 参照对象 Expectancy theory 期望理论 Compressed workweek 压缩工作周 Flexible work hours 弹性工作制Job sharing 职务分担Contingent workers 应急工Telecommuting 电子通信，远程办公Pay-for performance programs 基于绩效的薪酬管理Open-book management 公开帐簿管理 Leader 领导者 Leadership 领导Behavioral theories 行为理论Autocratic style 权威式Democratic style 民主式Laissez-faire style 放任式Initiating structure 定规维度 Consideration 关怀维度High-high leader 高－高型领导者 Managerial grid 管理方格论Fiedler contingency model 菲德勒权变模型Least-preferred co-worker(LPC)questionnaire 最难共事者问卷Leader-member relations 领导者－成员关系，上下级关系Task structure 任务结构 Position power 职位权力Situational leadership theory(SLT)情景领导理论 Readiness 准备状态 Maturity 成熟度Leader participation model 领导者参与模型 Path-goal theory 路径－目标理论Transactional leaders 事务型领导者Transformational leaders 变革型领导者 Charismatic leader 超凡魅力的领导者 Visionary leadership 愿景领导者 Legitimate power 法定权 Coercive power 强制权 Reward power 奖赏权 Expert power 专长权 Referent power 模范权 Credibility 可信度 Trust 诚信、信任Empowerment 授权 Communication 沟通Interpersonal communication 人际沟通Organizational communication 组织沟通 Message 信息 Encoding 编码 Channel 通道、渠道 Decoding 解码Communication process 沟通过程 Noise 噪音Nonverbal communication 非言语沟通 Body language 体态语言 Verbal intonation 语调 Filtering 过滤Selective perception 选择性知觉 Information overload 信息超载 Jargon 行话Active listening 积极倾听Formal communication 正式沟通Informal communication 非正式沟通 Downward communication 下行沟通、向下交流Upward communication 上行沟通、向上交流Lateral communication平行沟通、横向交流Diagonal communication 斜行沟通、越级交流 Communication networks 沟通网络 Grapevine 小道信息、谣言 E-mail 电子邮件Instant messaging(IM)即时信息 Voice mail 声音邮件 Fax 传真Electronic data interchange(EDI)电子数据交换Teleconferencing 电信会议Videoconferencing 视频会议Intranet 内部互联网 Extranet 外部互联网第六章控制 Control 控制Market control 市场控制Bureaucratic control 官僚组织控制、层级控制 Control process 控制过程Management by walking around(MBWA)走动式管理 Range of variation 偏差范围Immediate corrective action 立即纠正行动Basic corrective action 彻底纠正行动 Feedforward control 前馈控制Concurrent control 同期控制、现场控制 Feedback control 反第三篇：银行常用语中英文对照中国民生银行新街口支行China Minsheng Banking.Cop., LTD 网银体验区E-Banking Experience Zone 暂停服务，请稍后Out of Service, Please Wait 自动存取款机Automatic Withdraw/Deposit Machine 请刷卡 Please Swipe Card 营业时间 Business Hour 对公 For Corporate 储蓄 Saving 24小时自助服务Hour Self Service中国银行 Bank of China 新街口对公业务CORPRATE BANKING（拼写错误）节假日不办理Public Holiday Closed 个人业务 PRIVATE BANKING 节假日营业时间 Public Holiday Opening Hours 理财服务 Wealth Management 私人金融业务 Personal Banking 领取汇票 To draw the draft here 汇兑 EXCHANGE & TRANSFER 印鉴挂失 Report of lost seal 密码挂失Report of lost password 存款证明 Certificate of Deposit 10元/笔/份/张RMB 10 per item 退汇Refunding 挂失止付（汇票）Loss reporting and payment stopping(draft)存入收款人现汇账户Credit the payee’s amount of spot exchange 代售Agency sale 买汇Exchange purchase 光票托收Clean collection 现钞托收Banknote collection 退票Dishonor 年费Annual Fee 工本费（包括开卡和补发）Service Charge(card issue and replacement)个人人民币汇款Personal RMB remittance(CASH)人民币对公结算The Corporate settlement of RMB 外币对公结算The Corporate settlement of Foreign Exchanges 银行卡服务业务The custom service of bank card 服务星级SERVICE LEVEL 您对本次服务的评价PLEASE LEAVE YOUR VALUABLE OPINIONS 满意SATISFACTORY 基本满意AVERAGE 不满意DISSATISFIED 代保管业务SAFE DEPOSIT DEPT.货币兑换EXCHANGE 24小时自助服务hour self-service banking 理财Wealth Management 兑换机EXCHANGE MACHINE 自动取款机AUTOMATIC TELLER MACHINE 请将银行卡正确插入插卡处Insert your card into the slot correctly 输入正确密码（请注意安全防止他人窃取）Input your correct password(watch out to avoid being peeped)按屏幕提示进行转账、存折补登、代缴费、查询业务Make transfer, entry account to passbook, payment, and query according to the direction on the screen.出门请按钮（一按即放）PLEASE PRESS THE BUTTON(PRESS THEN REALASE)灭火器箱FIRE EXTINGGUISHER BOX东亚银行 The Bank of East Asia（China）Ltd.新街口 24小时自助服务Hour Banking Services 南京分行 Nanjing branch 营业时间Banking Hour 投诉箱 Complain Box 小心地滑Slippery Floor 请在此排队Please Queue Here 个人理财服务 Personal Financial Services 企业银行服务Corporate Banking 企业及银团贷款部Corporate Lending and Syndication Department 房地产贷款部Property Lending Department 贸易融资部Trade Finance Department 柜台服务Counter Services 小心地滑CAUTION WET FLOOR交通银行 Bank of Communications新街口 24小时自助服务Self Service Banking进门请刷卡，无需输密码Please Insert Your Card For Entry 营业时间Business Hour星期六、日休息Closed on Saturday and Sunday 储蓄时间Business Hours for Savings Deposits 存取款一体机Cash Recycling Machine 金融快线BOCOM EXPRESS 自动终端Multimedia Self Banking 现金服务Cash-related Services 对公服务Corporate Banking 交行理财BOCOM Fortune 交通银行湖南路对私服务Private Banking 理财服务Financing Service 外汇兑换Foreign Exchange 注意自动门Caution Automatic Door 中国建设银行China Construction Bank 新街口外汇储蓄营业点Foreign Currency Deposit Taking Office 24小时自助服务Hour Self Banking 中山路支行Zhongshan Road Sub-branch 对公服务Corporate Banking 节假日不办理Public Holiday Close 个人业务Private Banking 周一至周五Monday to Friday 节假日营业时间Public Holiday Operate Hours 个人理财中心Personal Finance Center 现役军人优先Servicemen Priority 大堂经理Lobby Leader 客户服务电话Customer Service Hotline 残疾人优先窗口Particular Counter for the Disabled 个人业务顾问Personal Banker 叫号机Queuing Machine 存款机Cash Deposit Machine 自动门Automatic江苏银行Bank of Jiangsu 总行营业部Headquarters Business Dept.广东发展银行玄武支行Guangdong Development Bank对公业务CORPORAT SERVICE拼写错误储蓄业务PRIVATE SERVICE 营业时间BUSINESS HOURS 24小时自助服务HOURS SELF-SERVICE 银行提示REMINDER请妥善保管银行卡和密码Please Safeguard Your Bank Cards and PIN 安全提示 SafetyHints 个人服务 Personal Banking 对公服务 Corporate Banking VIP服务VIP Banking 等候区Waiting Area上海浦东发展银行Shanghai Pudong Development Bank新街口对公业务Corporate Banking 个人业务Personal Banking 营业时间Business Hour 理财经理Financial Planner 叫号机Cueing Machine 24小时自助服务 Self Service Banking 现金业务Teller Counter 公司业务Corporate Account 等待区Waiting Area 理财专区Wealth Management Service 自助银行Self-service Banking 大堂经理Duty Manager中国工商银行Industrial and Commercial Bank of China 自助服务银行Self-service Banking 大堂经理CLIENT MANEGER 现金服务 CASH SERVICE华夏银行Huaxia Bank 新街口对公业务Wholesale Banking Service 对私业务Retail Banking Service 等待区Waiting Areas 保管箱Safe Deposit Box 自助银行区Self-service Areas长江路支行储蓄*出纳Savings 出纳Cash 涉外服务For Foreigners 保管箱Safe keeping box 收费项目Items 开卡工本费Administrative charge for card activation 补卡工本费Administrative charge for card replacement 卡挂失手续费Administrative charge for card loss reporting.免费Free of charge 每笔十元The charge is 10 yuan per transaction 外汇业务Foreign Exchange Business 汇入/汇出汇款Inward/Outward Remittance 多币种汇款Multiple currency remittance 电子邮件通知Email Notification 强行改密（密码挂失）Overriding change of password(loss of password)异地柜台存款Exterritorial counter deposit 取款Withdrawal 卡卡转账Card-Card Transfer 跨行取款Inter-bank withdrawal 跨行查询Inter-bank enquiry 退汇Rejected Remittance 止付Payment termination 自动取款机Self-Drawing 自动存款机Self-Saving 服务流程图Service Flow Chart 华夏银行湖南路营业时间Opening Time 节假日不营业Weekend/Holiday Closed渣打银行Standard Charted Bank 新街口业务办理时间Banking Hours 理财咨询时间Financial Consultancy Hours 投诉热线Complaint Hotline 电话银行服务Phone Bank Service中国邮政储蓄China Postal Savings浮桥外币储蓄点Foreign Deposit Service Available 意见箱Suggestion Box 业务办理Postal Service深圳发展银行Shenzhen Development Bank新街口自动查询缴费机Automatic Inquiry Payment Machine 营业时间Business Hours 存取款一体机CRS 大堂经理Lobby Manage 填单处Form Filling Area 业务咨询处Information 个人柜台Personal Banking Counter 本行网址Bank Web Address 网点咨询电话Network Information 非本行人员莫入Only Stuff自动取款机操作指引ATM Operational Guide 服务热线Service Line 存取款机操作指引CRS Operation Guide招商银行China Merchants Bank 营业时间Business Hours 个人营业时间Personal Business Hours 对公营业时间Corporate Business Hours 节假日照常营业Holiday Business as Usual 自助服务区Self Service Area 监督Oversight 理财中心Premier Customers 投诉Complaints 全国统一客户服务电话China Client Service Telephone 综合业务Integrated Services 代发业务Salary Release Service 现金快速通道Fast Track Deposit and Withdrawal 接待区Reception 理财服务区Financial Services 个人贷款业务咨询Personal Loan Business Consultant 会计结算Accounting Settlement 个人理财专柜Wealth Management Area 一卡通金卡业务All-in-one-card gold card service.储蓄专柜Cashier Service 因您而变We are here just for you光大银行China Everbright Bank新街口营业时间Customer Service 个人业务Retail Service 出纳Cashier 会计结算Accounting 理财缴费机Self Help Machine for Paying Bill 现金存取款机Cash Deposit & Drawing Machine 现金取款机Cash Drawing Machine 多媒体查询机Multi-media Checking Machine 取款机操作提示Note for ATM Operation南京银行Bank of Nanjing 新街口综合业务General Services 私人业务Personal Banking 公司业务Corporate Banking 国际业务International Banking 大堂经理Reception Manager 现金取款机Cash Drawing Machine 现金存取款机Cash Deposit & Drawing Machine 自助服务终端Self-help Service Terminal 操作说明Operating Instruction中信银行China Citic Bank湖南路营业时间Business Time 储蓄时间Deposit Time 大堂经理HALL MANAGER 对公业务Corporating Banking Business 对私业务Retail Banking Business 现金结算Cash Settlement 24小时服务热线Hour Hotline 紧急按钮Emergency Button中国农业银行Agricultural Bank of China 现金服务区Cash Service 自助服务区Self-Service Area 客户等候区Customer Waiting Area 咨询引导区Consulting Area 保管箱Lock Box 24小时自助服务Hours Banking 自助服务终端Self-service Terminal 操作指南Operation Instructions 插卡Insert card 输入密码Key in PIN湖南路查询Inquiry 转账Account Transfer 改密Modify PIN 挂失Reporting a loss 理财卡Wealth Management Card 查询子帐户Inquiry Subaccount 通知存款Call Deposit 外汇查询Foreign Exchange Inquiry 市价交易Market price transaction 委托Request 银证Banxecurity第三方存款The third partysafe keeping 银期转账Bank-option account transfer 银行转期货Bank-to-futures 查期方余额Inquiry the balance of the future 输入账号、密码Input account number, password 代缴费Charging service as agents 存折补登The passbook renewed 交易结束Transaction end 退出、取卡或存折Exit, take card or passbook 无卡存折Non-card deposit 核对户名Check Username 放入现金Put in Banknote 核对张数、金额Check up number of sheets, account 确认存款Confirm the deposit 活期存折Demand account for passbook 活期/定期Demand account/Time account 自动存取款机Automatic Deposit and Withdrawal Machine 自动取款机Automatic Teller Machine 自助服务终端使用说明User’s guides for Self-service Terminal 本机只受理农行金穗系列卡和存折等业务Kin card series and passbook of Agriculture Bank of China only 本机不能办理存取款业务Non-cash Business 客户热线Custom Service Hot-line 本机可受理加入“银联”的其他银联卡This machine can handle any “union pay” card 请妥善保管好银行卡和密码，在使用时请用时候身体挡住他人视线，谨防他人窥视您的密码Please take of your bank card and PIN, guide against others peeping your PIN while using the card 每次取款上限2000元，每日累计最多取款十次，每日累计取款限额20000元Ceiling of 2000 yuan per withdrawal, with 10 times at most, for amount of 20000 limit per day 存款现钞面额仅限100元Deposit domination: 100 yuan only 请不要将残币、不平整的钞票或其他异物放入本机Please do not put the damaged, untidy banknotes or things other banknotes into this machine.如遇机器吞卡，请于次日持本人有效证件到营业厅柜台领取In case of card-swallowing, please go to the business hall with your own identity documents to take back your card the next day恒丰银行Evergrowing Bank湖南路中国人寿保险股份有限公司China Life Insurance Company Limited第四篇：各类茶叶品种中英文单词翻译对照(音标)茶学专业英语词汇茶叶品种 Tea varietiesTea 茶Green tea 绿茶 Black tea 红茶White tea 白茶Scented tea花茶Pu'er tea；Pu Erh tea；Puu Eel tea普洱茶 Yellow tea 黄茶Dark tea黑茶 Sincha 新茶Yü-chien tea 雨前茶 Teabag 袋泡茶Mugi-cha 大麦茶 Herbal tea [ˈɜ:rbl]花草茶Jasmine tea 茉莉花茶 Chrysanthemum tea [krɪˈsænθəməm,-ˈzæn-]菊花茶Block Puer tea 普洱（砖）Aged Pu'er tea 陈年普洱Oolong tea；Oulung tea 乌龙茶 Bohea tea [boʊ'hi:] 武夷茶Hyson Tea 熙春茶 Kungfu Tea；Gongfu Tea 功夫茶Twankay Tea [ˈtwæŋkei]屯溪茶 Keemun Tea;Qimen tea 祁门茶Loungjing Tea； Longjing Tea；Lung Ching tea 龙井茶Drogon Well 是对“龙井”这一名词的非正规翻译，不建议使用。
商务英语翻译汉英词汇.
4 安居工程housing project for low-income urban residents3 按股分红sharing profits according to contribution4 按市价订购贡market order5 按现价计算at current price3 按小时付酬be paid by the hour3 按原价计算calculated on the basis of their original price4 按原口径计算calculate on the base line3 把市场供货一买而光clear the market3 罢工暴动民变险SRCC（strikes, riots and civil commotions）5 罢工津贴（由工会给的）strike pay4 罢工纠察队员strike picket3 拜会made a courtesy call on4 班轮regular shipping liner3 班轮运费表liner’s freight tariff4 办公费office expenses4 半年决算half-year closing4 包工包料contract for labor and materials3 包工制labor contract system3 包销exclusive sales; have exclusive selling rights; submit an expense account 5 包装不符wrong packing4 包装不善bad packing4 包装费用packing charges3 包装破裂loss or damage caused by breakage of packing5 包装容积bale capacity5 保单guarantee3 保单期满expiration of policy5 保护主义protectionism3 保留工资retained salaries3 保姆式全程服务whole-journey nanny service3 保税仓库bonded warehouse3 保险陈报书declaration policy5 保险费premium4 保险合同insurance treaty5 保险回扣insurance rebate3 保险金（保险收入）insurance proceeds5 保险金得益benefit5 保险金额sum of insurance; amount insured3 保险经纪人insurance broker4 保险客户policy holder5 保险率费premium rate4 保险赔偿insurance indemnity3 保险条例（中国人民保险公司）CIC (China Insurance Clause)3 保险物interest insured4 保险性存货（以应付万一）decoupling inventory4 保险责任insurance liability3 保险责任终止termination of risk3 保险帐目underwriting account3 保险证明书cover note3 保证重量weight guaranteed3 保质保量quality and quantity assured3 报关customs declaration; clearance of goods; apply to the customs5 报关单；舱单manifest3 报关附税payment of duty4 报税make a statement of dutiable goods4 报税通知单；报关单bill of entry5 报销reimburse3 备用信用证stand by credit5 背书endorsement5 被解雇的；过多的redundant5 被诉方defendant4 被通知人notify party5 本地银行local bank4 本国货币domestic currency, local currency4 本利capital and interest; principal and interest3 本票；期票promissory note3 边际生产力marginal productivity5 边境贸易border trade; frontier trade4 编制预算preparing a budget; making a budget5 贬值depreciation4 变价appraise at the current rate4 标高售价mark-up3 标价posted price4 标准standard type3 标准统一Harmonization of Standards5 表现工作情况performance5 病假工资sick note5 拨款allotment5 剥夺divest5 驳船lighter3 薄利多销small profits but quick turnover; large sales at a small profit4 补偿贸易（或抵偿贸易；往返贸易）compensating / compensatory trade4 补税collection of duty short paid; cover deficit by state subsidies5 补助金allowance; benefit; subsidy5 不变价格；固定价格constant price5 不变资本；固定资本constant capital5 不充分就业underemployment4 不定值保单unvalued policy4 不动产,房地产immovable property3 不动产税real estate tax4 不记名支票bearer check5 不欠债be out of debt3 不受约束without engagement3 不限期即期装运undefined prompt shipment3 不许转运；不许转船transshipment prohibited 3 不足款保险under-insurance3 布雷顿森林体系The Bretton Woods System5 部分segment5 部门division; section5 簿记bookkeeping4 材料管理materials handling3 财产保险property insurance5 财团consortium4 财务报告financial statement4 财务结算financial settlement3 财务事项；金融交易financial transactions5 财务支持backing5 财政public finance4 财政保护financial protection3 财政拨款financial allocations4 财政部the Ministry of Finance5 财政的financial; fiscal4 财政关税revenue tariff5 财政年度fiscal year; financial year5 财政税revenue tax5 财政信贷financial credit5 财政援助financial aid5 裁员redundancy5 采购人purchaser3 采取高姿态show magnanimity3 参加工会的工人organized labor5 参考价reference price4 参考样品reference sample5 参考资料reference4 仓至仓条款W / W (warehouse to warehouse) 4 舱位shipping space4 草签合同initial a contract5 策划plot3 查船inspection of ships; search of ships4 查禁走私（缉私）prevention of smuggling4 查账；盘账check account4 查账报告audit report5 差额（常指股票买价和卖价）spread5 差额；收支差额balance3 产、供、销production, supply and marketing of products5 产出；产量output3 产地证明书certificate of origin4 产品成本cost of goods manufactured3 产品返销product buyback4 产品生命周期product life cycle4 产值output value; value of output4 长期贷款long-term loan3 长期经营long-standing business dealing4 长期投资long-term investment4 长期债务人aged debtors4 长期证券long-term security3 长线产品long-term oversupplied goods; oversupplied products4 偿付借款repayment of loan3 偿付损失settlement of loss5 偿还redemption; refund3 偿还贷款本息pay the principal and interest on the loan they borrow4 偿还基金redemption fund3 偿还率rate of redemption3 偿还债务settle a debt payment3 偿债基金sinking fund3 偿债能力debt paying ability5 畅销active demand4 畅销best-selling goods3 畅销货article in great demand4 畅销性market ability4 超额支出financial expenditure5 超收overcharge4 超支over-expenditure4 撤销合同cancel a contract4 成本会计cost accounting5 成本计算costing5 成本价cost price3 成本推进型cost push3 成交额volume of transaction; volume of business5 成交活跃的股票active stock5 成文法statute3 承包通知单insurance cover note5 承保险别risk covered; risk insured3 承兑信用证acceptance letter of credit4 承兑信用证banker’s acceptance4 承兑银行accepting bank; merchant bank4 承兑支票honor a check3 承接订单execute an order5 承租人lessee4 城市建设附加费city development surcharge3 程租船；程租voyage charter3 尺码吨measurement ton5 抽查test check; sport check3 抽样认可acceptance sampling5 筹借资金financing5 酬金compensation; remuneration5 出厂价格producer price; ex-factory price4 出港许可证port clearance4 出境许可证departure permit; exit permit5 出口包装公司export packer3 出口标准包装export standard packing5 出口补贴export subsidy5 出口管制export control3 出口加工贸易active import trade4 出口加工区EPZ （export processing zone)4 出口经营export operation5 出口能力export capability4 出口配额制export quota system5 出口税export duty4 出口退税tax refund4 出口销售额export sales5 出口信贷export credit3 出口信用证export letter of credit5 出租人lessor4 除当事人另有约定的以外unless parties have agreed otherwise3 除非较早靠泊unless sooner berthed4 除非使用unless used5 除外责任exclusion5 储备基金；储备资本reserve funds5 储蓄银行savings banks5 处理（事务）dispose5 传阅circulate5 传阅的小册子（传单等）circular3 船舶运输代理人shipping and forwarding agents4 船舱进口报告书report of ship’s entry3 船壳特殊检验special survey for hull5 船员清单crew list4 船只扣留；海关扣留detention of vessel3 串味险risk of odor4 垂直贸易（南北贸易）vertical trade; south-north trade5 纯金fine gold; pure gold4 从量税specific duty5 从事多种经营diversify4 从业人员employed person3 从属信用证subsidiary credit5 促销传单flier(=flyer)4 催债press for payment of debt5 存单depositor3 存积货物carrying stock5 存款savings3 存款单；存款收据deposit receipt; deposit certificate; CD（certificate of deposit)4 存款金额amount deposited3 存款利息interest on deposit5 存折bankbook; deposit book5 措辞wording4 达成交易strike a bargain4 达到最有效的基本生产规模minimum efficient scale5 打包bale packing5 打包机器press3 打假crack down on counterfeit goods5 打入（市场）penetrate3 大减价bargain sale3 大量订购large-volume commodities; bulk commodity4 大陆架continental shelf3 大陆桥continental bridge; land bridge4 大路货（良好平均品质）fair average quality4 大写金额amount in words3 呆滞商品drug in the market4 呆滞资产bad assets3 代理手续费agency commission4 代理协议agency agreement5 代理业务agent-service3 代销offer for sale; sale on a commission basis4 贷款loaning money3 贷款利率lending rate5 贷款条件term of loan4 贷款协定；借款契约loan agreement4 贷款账户loan account3 贷款总额loan ceiling5 袋装货cargo in bag4 单边出口unilateral export5 单边主义unilateralism3 单纯支付clean / simple payment4 单独海损PA (particular average)4 单利simple interest5 单式簿记single-entry4 单一的实体single entity4 单一市场Single Market3 弹性预算flexible budget4 淡水雨淋险FWRD (fresh water rain damage)3 当事人之间私下和解amicable settlement between two parties4 到期全部付清be paid in full at the appointed time5 到期日,偿还日maturity3 到期未付清的负债matured liabilities unpaid5 得到供货sourcing5 低潮hard times3 低档商品市场down-market3 抵偿贸易政策compensation trade policy4 抵达海水吃水salt water arrival draft3 抵抗全球经济衰退combat the global economic slump4 抵押贷款mortgage lending4 抵押金mortgage money3 抵押契约mortgage agreement4 抵押银行mortgage bank5 抵制boycott4 地方公务员local public service employee5 地区region3 地租land tax5 递盘bidding3 缔约方contracting party4 电汇telegraphic transfer; telegraphically remit4 电脑操作员key puncher4 电讯telegraphic communication3 奠基仪式foundation stone laying ceremony3 调解人re-conciliator5 调遣dispatch3 调整前预算表trial balance before adjustment5 订单indent5 订货合同contract for goods4 定金earnest money4 定期付款payment on term5 定期增加increment5 定向发行introduction4 动产movable property5 独家代理exclusive agency; sole agency4 独家经营/ 包销/ 代理协议exclusivity agreement4 独家专营权exclusive right4 独立经营individual proprietorship5 独占资本monopoly capital3 短量险risk of shortage5 短期贷款short-term loan4 短期汇票short-term draft5 短期借款short loan; short-term borrowing3 短期外债short term external debt5 短期信贷short term credit3 短期证券short-term security3 短线产品goods in short supply; undersupplied products4 对冲基金hedge fund4 对等样品counter sample3 对货物（合同、订单等）的保险insurance on goods (contract, order, etc.)5 对外贸易external trade; foreign trade3 对消贸易（抵偿贸易）counter trade4 兑付honor (a check)5 兑现pay cash; cash a check3 吨位证书tonnage certificate3 囤积价值carrying value3 多边环境协议Multilateral Environmental Agreement4 多边贸易multilateral trade5 多边主义multilateralism5 多付（款）overpay4 多级管理multiple management5 多头bull4 多头买升buying long4 多头执法duplicate law enforcement5 多样化variety4 额定投资；法定资本；核定资本authorized capital4 额外保险excess insurance3 额外保险费extra premium5 额外待遇（交通、保健、保险等）perk4 额外投资additional investment5 恶劣天气heavy weather3 发货deliver goods4 发货人提供的重量shipper's weights5 发盘的修改modification; revocation5 发行股票issue; float4 发行价格issue price5 发证行issuing bank5 法定贬值devaluation5 法定的statutory3 法定货币lawful money; legal tender3 法定利率legal interest4 法定契约contract by deed5 法定升值；使货币升值；重估价revaluation3 法庭调解reconciliation by court3 反补贴税Countervailing Duty3 反倾销税antidumping duty5 返销buy back4 防潮包装damp-proof packing4 防伪标志anti-fake label3 放宽利率liberalization of interest rates5 放行release3 非凡的牛市raging bull3 非关税堡垒non-tariff barrier3 非技术工人unskilled worker4 非居民账户non-resident account3 非配额产品quota-free products3 非歧视Non-discrimination4 非专门设计的off-the-shelf5 分包（工程项目），转包；承包合同subcontract3 分保（在保险）re- insurance5 分发，分送产品distribution4 分股share split up4 分红share profit; receive dividends4 分阶段停止使用phase out5 分类帐；账本（账册、账簿）subsidiary account; ledger3 分批运输partial transport5 分期偿还贷款term loan4 分期付款installment buying; purchase in installment3 分期付款购物法hire purchase3 分摊费用apportionment of expenses3 分业管理、规模经营business segregation, economy of scale4 风险分级classification of risk3 风险基金；风险资本venture capital3 风险意识consciousness of risk prevention3 风险准备金loan loss provision; provisions of risk3 付款（交货）against payment3 付款交单document against payment (DP)5 付款凭单voucher5 负债；债务liability; get into debt3 附寄一张支票已清偿enclose a check in settlement of4 附加福利fringe benefits5 附加工资extra wage; supplementary wage4 附加津贴fringe benefits5 附加税surtax4 附加资本supplementary capital; additional paid-in capital5 附件appendix5 附录attachment4 复利（复息）compound interest4 复式簿记double-entry5 复样duplicate sample3 概算financial estimates3 岗位津贴job subsidies3 港口附加费port surcharge3 港口税port dues5 杠杆比率leverage3 高度机密strictly confidential3 格式合同model contract4 个别资本individual capital4 个人贷款personal loan4 个人收入personal income3 个人所得税individual income tax4 个人自愿计划voluntary private plans4 个体经济individual economy3 个体经营privately or individually-owned business4 个体经营者individual operator3 个体商贩individual traders and peddlers3 各费付讫charges paid4 给予折扣discount granted5 根据订单against order3 跟单汇票documentary bill3 跟单信用证documentary letter of credit4 工会trade union4 工会代表工人与资方代表达成的collective agreement4 工会管事shop steward5 工商业界business circle4 工商资金industrial and commercial funds3 工团主义trade unionism3 工团主义者trade unionist3 工业（实业）股票industrial stock3 工业流动资金industrial circulating funds3 工业展览会industrial exhibition3 工艺精良sophisticated technology5 工作量workload4 工作轮换job rotation4 工作情况评估performance appraisal5 工作日working day5 工作时间working hours5 工作说明；职务说明job description4 工作条件working conditions3 工作位置work station5 工作许可证work permit5 公差tolerance4 公共成分；公共部门；公有企业public sector4 公开发行public issue4 公开上市交易的公司Publicly Traded Companies3 公开市场业务Open-Market Operations5 公路通行税road toll5 公司的长期目标和原则mission3 公司组织机构图organization chart4 公务员public servants4 公益金public accumulation funds; public reserve funds4 公制the metric system5 供不应求demand over supply3 供不应求in short supply3 供不应求的市场tight market3 共同价contracted price4 共同商议collective discussion4 钩损险hook damage4 购货单purchase note5 购货请求buying requisition3 购货转销buying for resale5 估算reckon4 股本；股本资本capital stock; equity capital3 股东年会annual general meeting5 股东权益equity5 股份share5 股份公司；证券公司stock company; joint-stock company3 股份合作joint stock partnership4 股金share capital4 股利收入income gain4 股面价格, 票面价格par value5 股票公司job firm5 股票过户stock transfer4 股票交易所；贡市场；证券交易所stock exchange5 股票经纪人；贡经纪人stockbroker4 股票买卖；股票交易buying and selling stocks5 股票商人stock jobber4 股票值share worth4 股票指数share index; stock index3 股权分置改革Share-merger reform5 股息dividend4 固定工permanent worker5 固定价格regular price3 固定收益constant return4 雇佣工人salary earner5 关税tariff; customs duty5 关税堡垒tariff barrier3 关税合并（关税同化）mergence of tariff3 关税收入customs revenue3 官价official price4 管账keeping accounts3 管制经济controlled economy3 惯常包装usual packing4 惯例established practice3 惯性增长inertial growth rate3 光票clean bill4 归个人支配的收入disposable personal income3 规格不符different specification4 规格齐全complete in specifications4 规模经济scale economy / economies of scale4 规模经营优势advantage of economies of scale4 国防公债defense bond4 国防支出expenditure on national defense3 国合企业（即国有合作社）state-owned cooperatives4 国籍证书certificate of registry3 国际（商会）贸易术语解释通则International Chamber of Commerce Terms 5 国际储备international reserve3 国际货币基金international monetary fund（the IMF）5 国际贸易international trade4 国际贸易值；国贸值value of international trade4 国际收入international trade of payments4 国际收支balance of international payments; international reven and expenditure 4 国家补贴public subsidies3 国家公务员national public servant3 国家经济预算nation’s economic budget4 国家垄断state monopoly4 国家收入national revenue3 国家收支national balance sheet3 国家投资拨款appropriation for state investment4 国家现汇结存state foreign exchange reserves4 国库券state treasury bonds5 国库收入public revenue4 国贸地区分布international trade by regions4 国贸量quantum of international trade5 国民收入；国收入national income3 国民素质the populace's cultivation5 国内储蓄domestic saving4 国内汇兑domestic exchange; home exchange5 国内税internal tax3 国内信用证supplementary credit; domestic credit5 国内银行domestic bank5 国税national tax; state tax3 国外配额allocated quota3 国外支付external payment3 国营铁路职员nation railroad man5 国债national debt; government loan5 过户assigned3 过境货物监管supervision and control over transit cargo4 过境贸易；转口贸易transit trade5 海关the customs; custom house3 海关保税；海关罚款customs bond3 海关发票customs invoice5 海关法customs law3 海关关长customs commissioner4 海关关封customs seal3 海关监督customs supervision4 海关人员customs officer; customs official4 海关验货单particular paper for examination3 海损保险单average policy3 海损理算书adjustment letter4 海外贸易overseas trade4 海洋运输ocean transport; marine transport4 含金量gold content4 航次期租time charter trip3 航空保险aviation insurance4 航空运输air transport5 号码簿；指南directory4 合并（公司，企业等的）amalgamation; merger5 合格产品zero defect4 合理时间reasonable time3 合理引导消费guide rational consumption3 合同编号contract serial number3 合同到期expiration of contract5 合同法contract law3 合同规定的保证contract guarantee3 合同规定的义务contractual liability4 合同履行contract performance3 合同期限contract period5 合同条款contract clause; contract terms；treaty article3 合约价exercise price3 合资经营企业joint ventures using Chinese and foreign investments’5 合作者collaborator4 核算adjust accounts3 核算预算收支数字preparing the budgeted figures for revenue and expenditure 3 核账auditing accounts; examine and approve5 黑名单，禁止贸易的（货物、公司及个人）名单black list4 黑市交易black market operations4 衡量标准benchmark4 红筹股red chips5 红利bonus; dividend3 红条款信用证letter of credit with red clause3 宏观经济的macroeconomic4 互购贸易counter purchase4 互惠贸易政策reciprocal trade policy3 互惠协定reciprocal agreement5 花费expenditure5 花色（搭配）assortment3 划线支票crossed check5 坏帐、呆帐、死帐bad loan3 还本付息pay principal and interest4 还款保证书repayment guarantee3 还盘counter offer4 还清债务pay off a debt5 还债pay a debt4 缓冲基金,平准基金buffer fund5 换班工作shift work4 换文exchange of letter4 黄金输送点gold points2 黄金外汇储备gold and foreign currency reserves4 回报率rate of return4 回佣return commission .3 汇兑银行exchange bank4 汇价rate of exchanges; exchange quotation4 汇率；汇兑率rate of exchange; exchange rate3 汇率波动的官定上下限official upper and lower limits of fluctuation 5 会计长accountant general3 会计档案accounting archives5 会计工作；会计行业accountancy5 会计学accounting5 会计帐目account5 会签countersign4 贿赂backhander3 混合销售/ 兼营mixed sales / concurrent business4 混合预算combination budget3 活期存单demand certificate4 活期存款current deposit3 活期利率rate of call3 活期利息current interest4 活页分类账loose-leaf ledger5 火险fire insurance4 火险契约fire contract3 或有费用contingent expenses; contingencies4 货币存款money on deposit3 货币单位unit of currency3 货币化monetization3 货币汇率monetary exchange rate4 货币交换exchange through money3 货币利息monetary interest3 货币联盟Monetary Union5 货币收入money income4 货币投资monetary investment5 货币危机monetary crisis4 货币选择权（期货）currency option5 货币主义者monetarist5 货币资本money capital5 货柜货cargo in container5 货号article No.4 货架期（商品可以陈列在货架上的时间）shelf-life3 货物税；商品税commodity tax4 货物账goods account3 货运集装箱freight container5 货栈warehouse4 获得利润earn a profit5 基本工资base wage; regular pay3 基本建设费用capital construction input; capital expenditure3 基本消耗capital consumption4 基层文化建设primary-level cultural undertakings5 基础工资basic wage5 基价base price4 基数cardinal number3 缉私人员coast guard3 即期承兑immediate acceptance4 即期存款deposit at call4 即期存款；活期存款demand deposit4 即期付款payment at sight3 即期付款单document against payment-sight4 即期汇兑sight exchange4 即期汇票demand draft3 即期装运prompt shipments3 集合保险单comprehensive policy5 集市贸易market fairs5 集体经济collective economy5 集体商业collective commerce3 集中营销策略concentrated marketing3 集装箱货运站container freight station5 集资collect money4 集资入股collective investment5 计划成本planned costs4 计划经济planned economy5 计划书，说明书prospectus3 计划数字planned figures4 计件工资piecework wage4 计件工作piecework work5 计日工资；日工资daily wage4 计时工资wage rate per hour; hourly wages; time wage5 计时工作timework work3 计算机辅助设计CAD (computer aided design)4 记名帐nominal ledger5 记入帐户的借方；借方debit4 记账keep accounts4 记账结算settlement on account4 记账日期date of entry4 记账员ledger clerk5 技术工人skilled worker4 季节性调价seasonal price adjustments3 既成事实established / accomplished facts3 继承税inheritance tax5 寄售consignment3 寄托信用证escrow credit5 加班费overtime pay3 加工transformation3 加工精细finely processed3 加工贸易processing trade4 家庭经济household economy4 家庭经营household management production4 家庭手工业household handicrafts5 价格很低的knockdown5 价格收益比率price-earning ratio4 价值如原保单所载value as in original policy3 假冒伪劣商品counterfeit and substandard goods3 假账dummy account; false account3 间接标价indirect quotation5 间接费用,管理费用overhead expenses4 间接过境贸易indirect transit trade4 间接贸易indirect trade3 间接损失consequential damages5 监督surveillance5 减除成本deductible costs5 检查review3 检查账目examining accounts5 检验证书inspection certificate5 简介形象特征profile5 建立信誉build up a reputation3 建设节约型社会build a conservation-conscious society 5 奖金bonus; dividend4 奖券lottery ticket3 交货付款cash on delivery4 交货时间time of delivery5 接管人；清算人receiver3 节流reduce expenditure5 结关clearance3 结汇settlement of exchange4 结算；结账settling account5 结账日期closing date3 结账整理closing adjustment5 结转carrying over3 解除合同义务条件condition subsequent5 解雇sack, fire4 解决问题trouble-shooting4 借贷业务lending and borrowing business5 借据IOUs（I owe you); receipt for a loan3 借款条件condition of a loan4 借入资本borrow capital; debt capital4 借外债contract a foreign loan4 金本位制度gold standard5 金货币gold money5 金库national treasury5 金库存款treasury deposit4 金平价gold standard3 金券gold certificate5 金融banking; finance5 金融工具Financial Instrument3 金融管理monetary management4 金融汇率financial rate4 金融机构banking institution4 金融信托公司financial trust4 金融政策monetary policy5 金融指数financial index5 金融制度monetary system5 金融中心financial center; banking center4 金融资本financial capital5 金条gold bar3 金属货币metallic currency3 仅供参考for reference only3 进口额外费import surcharge3 进口管制import control3 进口汇票import bill3 进口申报import declaration4 进口税import duty3 进口替代import substitution4 进入市场（的机会）access to market5 经费；开销outlay3 经济刺激economic stimulus5 经济复原economic recovery4 经济管理体制economic management system5 经济好转turnabout3 经济人佣金brokerage fee4 经济商行brokerage firm4 经济衰退economic depression4 经济特区special economic zone3 经济腾飞economic take-off5 经济稳定economic stability4 经济形势economic situation3 经济循环circular flow of economy5 经济展览会economic exhibition5 经济政策economic policy4 经济制裁economic sanction4 经久耐用durable in use3 经签证的副本certified copy5 经营成本；营业成本；生产费用operating cost5 经营原则business principle5 精简机构；提高效率streamline3 精明的讨价还价交易horse-trading4 景气衰退business recession5 景气停滞doldrums5 净出口net-export5 净价net price4 净亏损dead loss5 静坐；罢工sit-down strike; down tools4 久负盛名have a long standing reputation5 救济relief4 救助费用salvage charges3 救助损失salvage loss5 就职induction3 卷装货cargo in coil; cargo in roll5 决算final account; final settlement of account5 决算表final statement5 绝对免配额deductible3 绝对值absolute value3 军民两用品出口dual purpose exports4 军事开支military spending; military expenditure3 均衡值equilibrium value3 均摊费用share the expenses equally5 卡特尔cartel5 开辟市场build up a market4 开窗包装die cut pack3 开发利用可再生能源exploit and utilize renewable energy resources4 开户头；开户存款opening an account; opening a deposit account5 开价；开盘opening price; offer; initial price5 开票人drawer3 开拓销售市场establish sales territories3 开支票账户opening a checking account4 看样成交conclude business after viewing samples3 可变成本variable costs3 可变利率抵押variable rate mortgage5 可变物variable5 可兑换性convertibility3 可兑黄金的货币convertible currency5 可谈判的，可转让的negotiable5 可行性viability5 可以相信的证明credentials5 可用资产available capital3 可支配资金amount of funds available for distribution3 可转让的保单transferable policy3 客户经理（常指广告公司）account executive4 空白格式blank form4 空白支票blank check5 空缺；缺额vacancy5 空头bear3 空头支票rubber check5 空位opening3 空运提单airway bill3 控股公司；总公司controlling company3 控制链Chain of Command4 库房管理者stock controller3 跨国公司Multi-national Corporation3 宽松的财政政策slack fiscal policy3 款式齐全various styles4 款式样pattern sample5 旷工，旷职absenteeism5 亏空be in debt5 亏损lose3 捆装货cargo in bundle4 扩大资本widening of capital4 来料加工processing with supplied materials4 来料装配assembling on provided parts3 来人支票；无记名支票bearer check, check payable to bearer4 来样加工processing with supplied designs4 劳动保险labor insurance5 劳动报酬payment for labor3 劳动力短缺labor shortage4 劳动力市场labor market3 劳动密集型企业labor-intensive enterprises5 劳动事故industrial accident5 劳动收入；劳动所得earned income; labor income5 劳工法labor law3 劳工行动industrial action5 劳力成本labor costs; labor input5 劳务合同labor service; work contract3 劳资关系industrial relations; labor relations3 劳资联合委员会works council4 劳资双方就工资等问题谈判collective bargaining5 老字号time honored shop3 累加平均盘存法progressive average inventory4 累进税graduated tax3 累进税制progressive taxation4 理赔settlement of claim3 立足商界establish oneself in business4 利差interest margin4 利改税substitution of tax payment for profit delivery4 利润幅度profit margin5 利润税profit tax5 利息单interest bill3 利益的丧失和减损nullification and impairment3 利用外资introduce foreign investment3 连带责任joint and several liability5 连续日running day5 连续时间continuum3 联合工作teamwork work3 联合公司integrated corporation5 联合经营joint venture4 联合银行存款帐户joint bank account4 联运combined transport3 良好的品质FAQ (fair average quality)4 两元经济结构urban-rural dual economy5 零部件spare part5 零售店retail outlet5 零用现金petty cash4 零用账petty cash book; petty cash account5 领导层；统治集团；等级制度hierarchy4 流动（预约）保单floating policy4 流动负债；短期负债current liabilities4 流动基金circulating funds5 流动利润profit through circulation5 流动性，可移性mobility3 流动资本circulating capital, working capital5 流动资产current assets4 垄断市场corner the market4 旅行信用证travelers’ letter of credit3 履约保证函performance guarantee5 绿票欺诈greenmail4 乱收费用collect fees arbitrarily3 乱摊成本unjustified additions to production costs5 轮船steamship（SS）3 裸装nude packing4 码头费warfare4 买断产权或管理权management buyout4 买方出价与卖方要价之间的差价bid-ask spread5 卖主（公司或个人）vendor4 满足索赔要求comply with a claim3 漫天要价wild speculation3 盲目趋同slavish moves3 毛收益gross yield3 贸易差额balance of trade; trade gap3 贸易带地区trade zone4 贸易方式mode of trade3 贸易互惠trade reciprocity3 贸易及资本流动Flow of Goods and Capital5 贸易纪律trade discipline5 贸易界trade circle4 贸易开拓trade creation3 贸易逆差adverse balance of trade5 贸易年度trade year3 贸易顺差active/favorable balance of trade3 贸易行trade house3 贸易支付差额balance of payments4 贸易资本流动trade capital movement3 每年递增an annual rise of5 密切的关系；轻松愉快的气氛rapport5 免减税；避税tax allowance5 免税tax-free; tax exemption3 免税特别储蓄账户tax exempt special savings account4 明细账；细账itemized account4 牟取暴利make high profits5 目标市场的占有份额penetration4 目的港port of destination3 内外物资交流flow of goods between domestic and foreign markets 5 纳税人taxpayer4 年度保费annual premium4 年度结算annual reckoning5 年度决算annual accounts; annual report4 年度预算yearly budget; annual budget5 年金受惠人annuitant4 年金制度seniority system3 年终奖金year-end bonus4 年终结算final accounting at the year-end3 农村综合试点改革trials of comprehensive rural reform4 农业工人laborer worker5 女记事员office girl3 挪用公款embezzlement of public funds defalcation3 欧洲货币Euro-currency3 欧洲主要港口European Main Port3 盘货make an inventory of stock on hand4 盘进（一个公司）的出价takeover bid5 盘整dull5 赔偿；补偿indemnity; recoup3 赔账make compensation5 配称（即定息债务与股份资本之间的比率）gearing3 配额制allocation system4 配套生产form a complete production network4 配套政策supporting policies5 皮重tare3 骗赔fraudulent claim3 票额sum stated on a check or bill3 票根stubs of a checkbook; counterfoil3 票号stamp number3 品质检验证书inspection certificate of quality3 平等互利的原则principle of equality and mutual benefit 5 平均水准；海损average4 平均资金利润average profit rate on funds5 评定结果rating3 凭单付现cash against documents3 凭等级买卖sale by grade5 凭证；收据receipt; voucher5 破产管理receivership3 破坏罢工者strikebreaker, blackleg5 破了产的bust4 破土动工仪式ground-breaking ceremony3 普遍优惠制generalized system of preferences5 普通股common stock; equities; share3 普通货船conventional vessel4 普通货柜general container5 普通税率normal tariff; normal rate3 七国集团the G-74 期货合同forward contract; commodity future contract5 期货交易futures3 期租承运人责任time charterer's liability5 企业成本business cost; cost in business4 企业技术改造technological updating of enterprises5 企业预算business budget。
中国银行笔试英语 词汇
中国银行笔试英语词汇
以下是可能出现在中国银行笔试中的一些英语词汇：
1. Account - 账户
2. ATM - 自动取款机
3. Balance - 余额
4. Deposit - 存款
5. Withdrawal - 取款
6. Interest - 利息
7. Currency - 货币
8. Exchange rate - 汇率
9. Transaction - 交易
10. Statement - 对账单
11. Credit card - 信用卡
12. Debit card - 借记卡
13. Savings account - 储蓄账户
14. Checking account - 支票账户
15. Loan - 贷款
16. Mortgage - 抵押贷款
17. Collateral - 抵押物
18. Overdraft - 透支
19. Insurance - 保险
20. Online banking - 网上银行
这些词汇涵盖了与银行业务和金融相关的基本术语。
请注意，在不同的考试中可能会有不同的需求，这只是一些常见的词汇，建议你继续扩充你的词汇量以备不时之需。
贷款英语单词
贷款英语单词
贷款是指借款人向贷款机构申请一定数额的资金，按照协议规定的期限和利率还款的行为。
以下是与贷款相关的英语单词和短语。
1. Loan - 贷款
2. Interest rate - 利率
3. Principal - 本金
4. Collateral - 抵押品
5. Credit score - 信用评分
6. Debt - 债务
7. Default - 违约
8. Repayment - 偿还
9. Grace period - 宽限期
10. Lender - 贷款人
11. Borrower - 借款人
12. Installment - 分期付款
13. Refinance - 重新融资
14. Mortgage - 抵押贷款
15. Personal loan - 个人贷款
16. Business loan - 商业贷款
17. Line of credit - 信用额度
18. Annual percentage rate (APR) - 年利率
19. Compound interest - 复合利息
20. Secured loan - 担保贷款
以上是与贷款相关的英语单词和短语，掌握这些词汇可以帮助我们更好地理解和处理贷款相关事务。
银行考试必备英语词汇
工商银行考试英语知识a flat percentage rate of income 统一比率的所得税税率a long position 多头部位，利多形势a long position 多头寸；买进的期货合同a put option on a debt security 债务证券的卖出期权a sales slip 签购单据，售货清单a short position 空头部位，短缺头寸a short position 空头；卖出的期货合同a tax return 税务申报表abnormal depreciation 特别折旧abnormal spoilage 非正常损坏aboriginal cost 原始成本acceptance bank 票据承兑行acceptance method 承兑方式acceptance risks 承兑风险accepting bank 承兑银行accessory risks 附加保险，附加险accident insurance 意外保险（不包括海上，火灾和人寿险）accommodation of funds 资金融通accompany vt. 附带，伴随，陪同account charges 账户费用account current (A/C,a/c) 往来帐户account number (A/N) 帐号account statement 帐户清单accounting exposure 会计风险accounting risks 会计风险accounting value 帐面价值accounts of assured 保险帐户accrued bond interest 应计债券利息accrued depreciation 应计折旧accrued dividend 应计股利acknowledgement of declaration (under op预约保险申报确认书active securities 热头股票，活跃的证券actual cash value （保险用语）实际现金价值actual rate 实际汇率adaptive expectations 适应性预期additional insurance 加保，附加保险additional reserve 追加准备金adjustable policy 可调整的保险单adjustable premium 可调整的保险费adjusted debit balance 已调整的借方余额advance payment of premium 预缴保险费advance-decline theory 涨跌理论adverse exchange 逆汇、逆汇兑advice of drawing 提款通知书advising bank 通知银行affiliated bank 联行affiliated person 关联人aftermarket 次级市场agent for collection 托收代理银行Agricultural Bank of China 中国农业银行agricultural loans 农业贷款agricultural（animal husbandry）tax 农（牧）业税allowance for doubtful debt 备抵呆帐款项alternative (either/or) order 选择指令American Express card 运通卡American terms 美国标价法amount in figures 小写金额amount in words 大写金额annual membership dues 年费application form for a banking account 银行开户申请书appointed bank 外汇指定银行appreciation of exchange rate 汇率升值arbitrage 套利arbitrage 套购，套利，套汇arbitrage of exchange 套汇arbitrage of exchange or stock 套汇或套股arbitrage opportunity 套价机会arbitrage risks 套汇风险as agent 做代理as principal 做自营Asian Development Fund (ADB) 亚洲开发银行ask price = asking price = offer price 出售价，报价，开价，出价ask-bid system 竞价系统assessment of loss 估损assets insurance 资产保险assignment of policy 保单转让assumption of risk 承担风险asymmetry 不对称at owner's risk 风险由货主负担at-the-close order 收盘指令at-the-market 按市价at-the-money 平值期权at-the-opening (opening only) order 开盘指令auction marketplace 拍卖市场automated teller machines (24 hours a day) 自动取款机（24小时服务）automatic transfers between accounts 自动转帐average 平均数baby bond 小额债券back spreads 反套利back wardation 现货溢价balance n. 结余，差额，平衡bank balance 存款余额bank balance over required reserves 超出法定（必备）储备的银行存款余额bank deposit 银行存款Bank of China 中国银行Bank of Communications 交通银行bank of deposit 存款银行bank of the government 政府的银行banker's association 银行协会banker's bank 中央银行banker's guarantee 银行担保bank's buying rate 银行买入价bank's selling rate 银行卖出价banks with business dealing with the center中央银行的往来银行Barclay card 巴克莱银行信用卡base rate 基本汇价basis order 基差订单basis risk 基差风险bear market 熊市bear operation 卖空行为bear raiders 大量抛空者beneficial owner 受益所有人beneficiary of insurance 保险金受益人best-efforts offering 尽力推销（代销）发行bid and ask prices 买入和卖出价bid and ask spread 买卖差价bid price = buying price 买价bid-ask spread 递盘虚盘差价big board 大行情牌big slump 大衰退（暴跌）bill-paying services 代付帐款black market 黑市black market financing 黑市筹资black money 黑钱blanket mortgage 总括抵押block positioner 大宗头寸商blowout 畅销blue-chip stocks 蓝筹股board of arbitration 仲裁委员会board of governors 理事会bond fund 债券基金borrowing from affiliates 向联营公司借款borrowing power of securities 证券贷款能力borrowing risks 借款风险bought deal 包销bread and butter business 基本业务breadth index 宽度指数break-even 不亏不盈，收支相抵breakout 突破bridging finance 过渡性融资broker 经纪人，掮客brokerage 经纪人佣金brokerage 经纪业；付给经纪人的佣金brokerage firm 经纪商（号）broker's loan 经纪人贷款broking house 经纪人事务所building agreement 具有约束力的协定building tax （tax on construction）建筑税bullish 行情看涨business insurance 企业保险business risk 营业风险business savings 企业储蓄business tax 营业税business term loan 企业长期贷款bust-up risks 破产风险buyer's risks 买方风险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 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 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 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-housecash 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 discountcash dispenser （美）自动提款机=cashomatcash 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 handcash 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 cashcash 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 ordercentral 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 account2credit 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 instrument 信用调节手段credit expansion 信用扩张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customize 按顾客的具体要求制作customs duty（tariffs）关税D/D (Banker's Demand Draft) 票汇daily interest 日息daily limit 每日涨（跌）停板date of delivery 交割期dealers 批发商death and gift tax 遗产和赠与税debt of honour 信用借款debtor bank 借方银行decision-making under risk 风险下的决策deed 契约deed tax 契税deferred savings 定期存款deficit covering 弥补赤字deficit-covering finance 赤字财政deflation 通货紧缩delivery date 交割日demand pull inflation 需求拉动通货膨胀demand-deposit or checking-accounts 活期存款或支票帐户deposit account (D/A) 存款帐户deposit at call 通知存款deposit bank 存款银行deposit money 存款货币deposit rate 存款利率deposit turnover 存款周转率depreciation risks 贬值风险derivative deposit 派生存款derived deposit 派生存款designated currency 指定货币deutsche marks (=DM) 西德马克devaluation of dollar 美元贬值developer 发展商Development Bank 开发银行development financing 发展融资devise 遗赠die intestate 死时没有遗嘱Diners card 大莱信用卡direct exchange 直接汇兑direct financing 直接融资direct hedging 直接套做direct leases 直接租赁direct taxation 直接税discount credit 贴现融资discount market 贴现市场discount on bills 票据贴现discount paid 已付贴现额discounted cash flow 净现金量discounting bank 贴现银行dishonour risks 拒付风险disintermediation 脱媒distant futures 远期期货diversification 分散投资dividends 红利document of title 物权单据documentary collection 跟单托收Documents against Acceptance,D/A承兑交单Documents against Payment,D/P付款交单domestic correspondent 国内通汇银行domestic deposit 国内存款domestic exchange 国内汇兑double leasing 双重租赁double mortgage 双重抵押double option 双向期权Dow Jones average 道·琼斯平均数down payment 首期downgrade 降级downside 下降趋势downtick 跌点交易Dragon card 龙卡draw 提款draw cheque 签发票据drawee bank 付款银行drawing account 提款帐户dual exchange market 双重外汇市场dual trading 双重交易due from other funds 应收其他基金款due to other funds 应付其他基金款dumping 抛售early warning system 预警系统easy credit 放松信贷economic exposure 经济风险efficient portfolio 有效证券组合electronic accounting machine 电子记帐机electronic cash 电子现金electronic cash register 电子收款机electronic debts 电子借贷electronic funds transfer 电子资金转帐electronic transfer 电子转帐emergency tariff 非常关税encumbrance 债权（在不动产上设定的债权）endorsement for collection 托收背书engage in arbitrage (to) 套汇entity n. 单位，整体，个体entrance fee 申请费equalization fund （外汇）平衡基金equipment leasing services 设备租赁业务equity portfolio 股票资产establishing bank 开证银行ethics risks 道德风险Euro-bank 欧洲银行Eurocard 欧洲系统卡European terms 欧洲标价法evaluation of property 房产估价evasion of foreign currency 逃汇exception clause 免责条款excess insurance 超额保险exchange adjustment 汇率调整exchange alteration 更改汇率exchange arbitrage 外汇套利exchange bank 外汇银行exchange broker 外汇经纪人exchange brokerage 外汇经纪人佣金exchange business 外汇业务exchange clearing agreement 外汇结算协定exchange clearing system 汇结算制exchange competition 外汇竞争exchange contract 外汇成交单exchange control 外汇管制exchange convertibility 外汇兑换exchange customs 交易所惯例exchange depreciation 外汇下降exchange dumping 汇率倾销exchange fluctuations 汇价变动exchange for forward delivery 远期外汇业务exchange for spot delivery 即期外汇业务exchange freedom 外汇自由兑换exchange loss 汇率损失exchange parity 外汇平价exchange position 外汇头寸exchange position 外汇头寸；外汇动态exchange premium 外汇升水exchange profit 外汇利润exchange proviso clause 外汇保值条款exchange quota system 外汇配额制exchange rate 汇价exchange rate fluctuations 外汇汇价的波动exchange rate parity 外汇兑换的固定汇率exchange rate risks 外汇汇率风险exchange reserves 外汇储备exchange restrictions 外汇限制exchange risk 外汇风险exchange risk 兑换风险exchange settlement 结汇exchange speculation 外汇投机exchange stability 汇率稳定exchange surrender certificate 外汇移转证exchange transactions 外汇交易exchange value 外汇价值exchange war 外汇战excise 货物税，消费税exercise date 执行日exercise price, striking price 履约价格，认购价格expenditure tax 支出税expenditure tax regime 支出税税制expenses incurred in the purchase 购买物业开支expiration date 到期日export and import bank 进出口银行export gold point 黄金输出点exposure 风险external account 对外帐户extraneous risks 附加险extrinsic value 外在价值face value 面值facultative insurance 临时保险fair and reasonable 公平合理far future risks 长远期风险farm subsidies 农产品补贴farmland occupancy tax 耕地占用税favourable exchange 顺汇fax base 税基feast tax 筵席税feathered assets 掺水资产fee 不动产fee interest 不动产产权fictions payee 虚构抬头人fictitious assets 虚拟资产fictitious capital 虚拟资本fiduciary a. 信托的，信用的，受信托的（人）fiduciary field 信用领域，信托领域finance broker 金融经纪人financial advising services 金融咨询服务financial arrangement 筹资安排financial crisis 金融危机financial forward contract 金融远期合约financial futures 金融期货financial futures contract 金融期货合约financial insolvency 无力支付financial institutions' deposit 同业存款financial lease 金融租赁financial risk 金融风险financial statement analysis 财务报表分析financial system 金融体系financial transaction 金融业务financial unrest 金融动荡financial world 金融界first mortgage 第一抵押权fiscal and monetary policy 财政金融政策fixed assets 固定资产fixed assets ratio 固定资产比率fixed assets turnover ratio 固定资产周转率fixed capital 固定资本fixed costs 固定成本fixed deposit (=time deposit) 定期存款fixed deposit by installment 零存整取fixed exchange rate 固定汇率fixed par of exchange 法定汇兑平价fixed savings withdrawal 定期储蓄提款fixed-rate leases 固定利率租赁flexibility and mobility 灵活性与机动性flexibility of exchange rates 汇率伸缩性flexible exchange rate 浮动汇率floating exchange rate 浮动汇率floating policy 流动保险单floating-rate leases 浮动利率租赁floor 带利率下限的期权floor broker 场内经纪人fluctuations in prices 汇率波动foregift 权利金foreign banks 外国银行foreign correspondent 国外代理银行foreign currency futures 外汇期货foreign enterprises income tax 外国企业所得税foreign exchange certificate 外汇兑换券foreign exchange crisis 外汇危机foreign exchange cushion 外汇缓冲foreign exchange dumping 外汇倾销foreign exchange earnings 外汇收入foreign exchange liabilities 外汇负债foreign exchange loans 外汇贷款foreign exchange parity 外汇平价foreign exchange quotations 外汇行情foreign exchange regulations 外汇条例foreign exchange reserves 外汇储备foreign exchange restrictions 外汇限制foreign exchange retaining system 外汇留存制foreign exchange risk 外汇风险foreign exchange services 外汇业务foreign exchange transaction centre 外汇交易中心forward exchange 期货外汇forward exchange intervention 期货外汇干预forward exchange sold 卖出期货外汇forward foreign exchange 远期外汇汇率forward operation 远期（经营）业务forward swap 远期掉期fraternal insurance 互助保险free depreciation 自由折旧free foreign exchange 自由外汇freight tax 运费税fringe bank 边缘银行full insurance 定额保险full payout leases 充分偿付租赁full progressive income tax 全额累进所得税fund 资金、基金fund account 基金帐户fund allocation 基金分配fund appropriation 基金拨款fund balance 基金结存款fund demand 资金需求fund for relief 救济基金fund for special use 专用基金fund in trust 信托基金fund liability 基金负债fund obligation 基金负担fund raising 基金筹措fundamental insurance 基本险funds statement 资金表futures commission merchants 期货经纪公司futures contract 期货合约futures delivery 期货交割futures margin 期货保证金futures market 期货市场futures price 期货价格futures transaction 期货交易FX futures contract 外汇期货合约galloping inflation 恶性通货膨胀gap 跳空general endorsement 不记名背书general fund 普通基金general mortgage 一般抵押Giro bank 汇划银行given rate 已知汇率go long 买进，多头go short 短缺；卖空，空头going away 分批买进going rate 现行汇率Gold Ear Credit Card 金穗卡government revenue 政府收入graduated reserve requirement 分级法定准备金Great Wall card 长城卡gross cash flow 现金总流量guarantee of payment 付款保证guaranteed fund 保证准备金hammering the market 打压市场handling charge 手续费harmony of fiscal and monetary policies 财政政策和金融政策的协调hedge 套头交易hedge against inflation 为防通货膨胀而套购hedge buying 买进保值期货hedge fund 套利基金hedging mechanism 规避机制hedging risk 套期保值风险hire purchase 租购hit the bid 拍板成交hoarded money 储存的货币holding the market 托盘horizontal price movement 横盘hot issue 抢手证券hot money deposits 游资存款hot stock 抢手股票house property tax 房产税hypothecation 抵押idle capital 闲置资本idle cash (money) 闲散现金，游资idle demand deposits 闲置的活期存款immobilized capital 固定化的资产immovable property 不动产import regulation tax 进口调节税imposition 征税；税；税款imprest bank account 定额银行存款专户in force （法律上）有效的in the tank 跳水inactive market 不活跃市场income in kind 实物所得income tax liabilities 所得税责任，所得税债务income taxes 所得税indemnity 赔偿，补偿indirect arbitrage 间接套汇indirect finance 间接金融indirect hedging 间接套做indirect leases 间接租赁（即：杠杆租赁）indirect rate 间接汇率indirect taxation 间接税individual income regulation tax 个人调节税individual income tax 个人所得税individual savings 私人储蓄Industrial and Commercial Bank of China 中国工商银行industrial financing 工业融资industrial-commercial consolidated tax 工商统一税industrial-commercial income tax 工商所得税industrial-commercial tax 工商税inflation 通货膨胀inflation rate 通货膨胀率inflationary spiral 螺旋式上升的通货膨胀inflationary trends 通货膨胀趋势infrastructure bank 基本建设投资银行initial margin 初始保证金initial margin 期初保证权initial margins 初始保证金initial reserve 初期准备金insider 内幕人installment savings 零存整取储蓄institution 机构投资者insurance appraiser 保险损失评价人insurance broker 保险经纪人insurance contract 保险契约，保险合同insurance saleman 保险外勤insure against fire 保火险insured 被保险人interbank market 银行同业市场inter-business credit 同行放帐interest on deposit 存款利息interest per annum 年息interest per month 月息interest rate futures contract 利率期货合约interest rate policy 利率政策interest rate position 利率头寸interest rate risk 利率风险interest restriction 利息限制interest subsidy 利息补贴interest-rate risk 利息率风险interim finance 中间金融intermediary bank 中间银行intermediate account 中间帐户internal reserves 内部准备金international banking services 国际银行业务International Investment Bank (IIB) 国际投资银行international leasing 国际租赁in-the-money 有内在价值的期权intraday 日内intrinsic utility 内在效用intrinsic value 实际价值，内部价值inward documentary bill for collection 进口跟单汇票，进口押汇（汇票）isolation of risk 风险隔离issue bank 发行银行JCB card JCB卡joint financing 共同贷款key risk 关键风险kill a bet 终止赌博land use tax 土地使用税large deposit 大额存款large leases 大型租赁latent inflation 潜在的通货膨胀latent inflation 潜在的通货膨胀lease agreement 租约lease and release 租借和停租lease broker 租赁经纪人lease financing 租赁筹租lease immovable 租借的不动产lease in perpetuity 永租权lease interest insurance 租赁权益保险lease land 租赁土地lease mortgage 租借抵押lease out 租出lease property 租赁财产lease purchase 租借购买lease rental 租赁费lease territory 租借地leaseback 回租leasebroker 租赁经纪人leased immovable 租借的不动产leasehold 租赁土地leasehold 租借期，租赁营业，租赁权leasehold property 租赁财产leaseholder 租赁人leaseholder 承租人，租借人leases agent 租赁代理leases arrangement 租赁安排leases company 租赁公司leases structure 租赁结构leasing 出租leasing agreement 租赁协议leasing amount 租赁金额leasing asset 出租财产，租赁财产leasing clauses 租赁条款leasing consultant 租赁顾问leasing contract 租赁合同leasing cost 租赁成本leasing country 承租国leasing division 租赁部leasing equipment 租赁设备leasing industry 租赁业leasing industry (trade) 租赁业leasing money 租赁资金leasing period 租赁期leasing regulations 租赁条例legal interest 法定利息legal tender 法定货币legal tender 本位货币，法定货币lessee 承租人，租户lessor 出租人letter of confirmation 确认书letter transfer 信汇leveraged leases 杠杆租赁lien 扣押权，抵押权life insurance 人寿保险life of assets 资产寿命limit order 限价指令limited floating rate 有限浮动汇率line of business 行业，营业范围，经营种类liquidation 清仓liquidity 流动性liquidity of bank 银行资产流动性listed stock 上市股票livestock transaction tax 牲畜交易税loan account 贷款帐户loan amount 贷款额loan at call 拆放loan bank 放款银行loan volume 贷款额loan-deposit ratio 存放款比率loans to financial institutions 金融机构贷款loans to government 政府贷款local bank 地方银行local income tax (local surtax) 地方所得税local surtax 地方附加税local tax 地方税long arbitrage 多头套利long position 多头头寸long position 多头寸；买进的期货合同long-term certificate of deposit 长期存款单long-term credit bank 长期信用银行long-term finance 长期资金融通loss leader 特价商品，亏损大项loss of profits insurance 收益损失保险loss on exchange 汇兑损失low-currency dumping 低汇倾销low-currency dumping 低汇倾销M/T (= Mail Transfer) 信汇main bank 主要银行maintenance margin 最低保证金，维持保证金major market index 主要市场指数management risk 管理风险managing bank of a syndicate 财团的经理银行manipulation 操纵margin 保证金margin call 保证金通知margin call 追加保证金的通知margin money 预收保证金，开设信用证保证金margin rate 保证金率markdown 跌价market discount rate 市场贴现率market expectations 市场预期market makers 造市者market order 市价订单market risk 市场风险marketability 流动性market-clearing 市场结算Master card 万事达卡matching 搭配mature liquid contracts 到期合约maximum limit of overdraft 透支额度measures for monetary ease 金融缓和措施medium rate 中间汇率medium-term finance 中期金融member bank 会员银行Million card 百万卡minimum cash requirements 最低现金持有量（需求）minimum reserve ratio 法定最低准备比率mint parity 法定平价monetary action 金融措施monetary aggregates 货币流通额monetary and credit control 货币信用管理monetary and financial crisis 货币金融危机monetary area 货币区monetary assets 货币性资产monetary base 货币基础monetary circulation 货币流通monetary device 金融调节手段monetary ease 银根松动monetary market 金融市场monetary market 金融市场monetary risk 货币风险monetary stringency 银根奇紧monetary unit 货币单位money capital 货币资本money collector 收款人money credit 货币信用money down 付现款money equivalent 货币等价money paid on account 定金money-flow analysis 货币流量分析money-over-money leases 货币加成租赁moral hazard 道德风险mortgage bank 抵押银行motor vehicle and highway user tax 机动车和公路使用税movables all risks insurance 动产综合保险movables insurance 动产保险multinational bank 跨国银行multiunit 公寓楼mutual insurance company 相互保险公司national bank 国家银行nationalized bank 国有化银行near money 准货币nearby contracts 近期合约nearby futures 近期期货nearby risks 近期风险negotiability 流通性negotiating bank 议付银行nesting 配套net settlement status 净结算状况，净结算头寸neutral money 中介货币neutrality of the central bank 中央银行的中立性nominal account 名义帐户nominal deposit 名义存款non-member bank 非会员银行non-resident account 非居民存款notional principal 名义本金notional sum 名义金额off-balance-sheet 表外业务offer rate 卖出汇率official borrowing 政府借款official devaluation 法定贬值official rate (of exchange) 官方汇价official short-term credit 官方短期信用offset reserve 坏帐准备金on a discount basis （以）折价形式open account business (= open account trade)赊帐交易open an account 开户open fair transaction tax 集市交易税open market 公开市场open market operation 公开市场业务open market policy 公开市场政策open mortgage 可资抵押open negotiation 公开议付open outcry 公开喊价，公开叫价open policy 预约保单open position （期货交易中的）头寸open positions 敞口头寸open-ended 开口的，无限制的，无限度的opening order 开市价订单operating bank 营业银行operating cash flow 营运现金流（量）operating lease 经营租赁operating leases 操作租赁operating risk 经营风险operation account 交易帐户option 期权，选择权，买卖权option buyer 期权的买方option fee (=option premium or premium o期权费option purchase price 期权的购进价格option seller 期权的卖方options on futures contract 期货合同的期权交易ordinary bank 普通银行ordinary deposit 普通存款ordinary time deposit 普通定期存款our bank 开户银行out-of-the-money 无内在价值的期权output-capital ratio 产出与资本的比率outright position 单笔头寸outward documentary bill for collection 出口跟单汇票，出口押汇outward remittance 汇出汇款over-loan position 贷款超额overnight call loan 日拆overseas bank 海外银行overseas branches 国外分行oversold 超卖over-the-counter 场外的，买卖双方直接交易的，不通过交易所交易的over-the-counter (OTC) option 场外交易市场overvalued 估价过高Pacific card 太平洋卡package policy 一揽子保险painting the tape 粉饰行情pairing 配对parking 寄售partial assignment 部分转让parties to a collection 托收各当事人pawn 典当pay up 付清，缴清payee or beneficiary 受款人，收款人，受益人paying bank 付款银行paying bank 汇入行，付款行payment facilities 支付服务设施payment of account 预付金payment of exchange 结汇payment reserve 支付准备payment risks 支付风险payroll tax 薪金税pegging 固定汇率permanent capital 永久性资本personal account 个人帐户personal deposit 私人存款personal loans 个人贷款petty current deposit 小额活期存款petty insurance 小额保险place an order 订购；下单plastic card 塑料卡Po card 牡丹卡point of delivery 交割地点policy of discount window 窗口指导政策political risk 政治风险poor for insurance 风险大的保险户popularity bank 庶民银行position 头寸；交易部位；部位post 过帐；登入总帐postal remittance 邮政汇款postal savings 邮政储蓄pre-credit risk 信贷前风险predetermined 预先约定的premium 期权费premium 期权权利金premium for lease 租赁保证金premium rate 保险费率premium rates 优惠率premium tariff 保险费率表present discount value 贴现现值presenting bank 提示银行prevailing rate 现行汇率price discovery 价格发现primary insurance 基本险principal 本金principal 本金principal (= drawer,consignor) 委托人principal and interest 本利principals (stockholders) 股东privately owned enterprise income tax 私营企业所得税product tax 产品税productivity risk 产量风险profit and loss accounts 损益帐户profit or loss on exchange 外汇买卖损益profit taking 获利回吐progressive taxation 累进税property 物业property assets 不动产property company 房地产公司property insurance 财产保险property taxes 财产税property under construction 楼花property value 房产价proposal form 投保单proposal of insurance 要保书proprietary 自有资产proprietary insurance 营业保险prospectus 募资说明书protective tariffs 保护性关税provident fund 准备基金provisional account 临时帐户proxy 代理委托证书public audit 公开审计public deposit 政府存款public money 公款pure interest 纯利息put (option) 卖方期权，看跌期权put-options 认售期权quality risks 质量风险quantity risks 数量风险ransom 赎金rate of deposit turnover 存款周转率rate of depreciation 折旧率ratio of cash reserves to deposits 存款支付准备率ratio of cash reserves to deposits 存款支付准备率ratio of cash reserves to deposits 存款支付准备率ratio of doubtful loans to total loans 坏帐比率ratio of profit to capital 收益同资本的比率rationing of exchange 外汇配售real estate 不动产real estate and personal property tax 不动产和动产税。
贷款英文合同范本
贷款英文合同范本Loan Agreement TemplateIntroduction:A loan agreement is a legally binding contract between a lender and a borrower, detailing the terms and conditions of a loan. In this article, we will present a sample loan agreement in English, outlining the key components to include. Remember, it is essential to consult with legal professionals when creating or signing any contract to ensure compliance with local laws and regulations.1. Parties Involved:The loan agreement should clearly state the full names, addresses, and contact information of both the lender and the borrower. Additionally, it should specify their roles and responsibilities throughout the agreement.2. Loan Amount and Purpose:Specify the loan amount in both numeric and written form, and indicate the currency. Furthermore, include the purpose of the loan, whether it is for personal, business, or any other specific use. This clause helps ensure transparency and clarity between the parties involved.3. Repayment Terms:Outline the repayment terms in detail, including the repayment schedule, interest rate, and the total amount of interest payable over the loan term. Additionally, specify if the interest is fixed or variable, and if there are any penalties for late payments or early repayment.4. Collateral and Guarantees:In some loan agreements, collateral or guarantees may be required to secure the loan. If applicable, clearly describe the collateral or guarantees involved and the consequences of defaulting on the loan. It is crucial to identify the property or assets being used as collateral and their estimated value.5. Default and Remedies:Define the conditions under which the borrower would be considered in default and the corrective actions that the lender can take. This section should cover aspects such as late payment penalties, foreclosure or repossession rights, and dispute resolution mechanisms.6. Confidentiality and Non-Disclosure:Both parties may have access to confidential information during the loan agreement, such as financial statements or business plans. Include a clause to ensure the confidentiality of such information, prohibiting its disclosure without prior written consent.7. Governing Law and Jurisdiction:Specify the governing law that will be used to interpret and enforce the loan agreement. Define the jurisdiction in which any disputes or legal proceedings will be resolved. This helps establish a clear framework for resolving potential conflicts.8. Entire Agreement and Amendment:Include a clause stating that the loan agreement represents the entire understanding between the parties and supersedes any previous agreements or promises. Additionally, outline the procedure for making amendments to the agreement, requiring written consent from both parties.Conclusion:Creating a loan agreement using a template can serve as a solid starting point for structuring your document. However, it is essential to personalize the agreement to reflect the unique terms and conditions of your specific situation. Always seek legal advice to ensure compliance with local laws and protect the interests of all parties involved.。
银行业英语词汇
loan-deposit ratio存放款比率self-owned capital ratio自有资本比率output-capital ratio 产出与资本的比率ratio of profit to capital 收益同资本的比率turnover of account receivable应收帐款周转率ratio of doubtful loans to total loans坏帐比率fixed assets ratio固定资产比率fixed assets turnover ratio固定资产周转率current ratio流动比率turnover ratio of working capital流动资本周转率liquidity of bank银行资产流动性payment reserve支付准备internal reserves内部准备金graduated reserve requirement分级法定准备金ratio of cash reserves to deposits存款支付准备率initial reserve 初期准备金offset reserve 坏帐准备金allowance for doubtful debt备抵呆帐款项reserve requirements法定存款准备金reserve ratio法定存款准备金比率required reserve ratio法定准备率minimum reserve ratio 法定最低准备比率additional reserve追加准备金guaranteed fund保证准备金reserve margin 准备金比率unbalance finance赤字财政red balance赤字差额repressed inflation 抑制性通货膨胀shortage of financial resources财源短缺galloping inflation恶性通货膨胀monetary and financial crisis 货币金融危机inflationary trends通货膨胀趋势monetary stringency银根奇紧slack of finance银根松缓stagflation滞胀demand pull inflation需求拉动通货膨胀demand shift inflation需求变动型通货膨胀latent inflation 潜在的通货膨胀inflationary spiral螺旋式上升的通货膨胀neutrality of the central bank 中央银行的中立性counter-inflation policy 反通货膨胀对策open market policy 公开市场政策deficit-covering finance 赤字财政fiscal and monetary policy财政金融政策harmony of fiscal and monetary policies财政政策和金融政策的协调monetary device金融调节手段monetary action金融措施measures for monetary ease金融缓和措施easy credit放松信贷monetary and credit control货币信用管理deficit covering弥补赤字restrictive lending policy贷款紧缩政策over-loan position贷款超额credit control instrument 信用调节手段restrictive monetary policy紧缩通货膨胀credit extending policy融资方针ultra-cheap money policy超低息政策financial transaction金融业务monetary market 金融市场financial unrest 金融动荡financial crisis 金融危机financial system金融体系financial world金融界policy of discount window窗口指导政策open market operation 公开市场业务accrued bond interest 应计债券利息accrued dividend 应计股利active securities 热头股票，活跃的证券baby bond 小额债券bear operation 卖空行为black market 黑市black money 黑钱bond fund 债券基金call for funds 控股、集资call market 活期存款市场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cash audit 现金审核cash basis 现金制cash basis accounting 现金收付会计制cash budget 现金预算cash flow 资金流动cash holdings 库存现金cash payment 现金支付cash position 头寸cash resources (reserves)现金准备common fund 共同基金common trust fund 共同信托基金current fund 流动基金deposit turnover 存款周转率derived deposit 派生存款designated currency 指定货币discount market 贴现市场discounted cash flow 净现金量due from other funds 应收其他基金款due to other funds 应付其他基金款equalization fund （外汇）平衡基金farm subsidies 农产品补贴fund 资金、基金fund account 基金帐户fund allocation 基金分配fund appropriation 基金拨款fund balance 基金结存款fund for relief 救济基金fund for special use 专用基金fund in trust 信托基金fund liability 基金负债fund obligation 基金负担fund raising 基金筹措funds statement 资金表general fund 普通基金gross cash flow 现金总流量hedge fund 套利基金hoarded money 储存的货币legal tender 法定货币monetary aggregates 货币流通额monetary area 货币区monetary assets 货币性资产monetary base 货币基础monetary circulation 货币流通monetary ease 银根松动monetary stringency 银根紧monetary unit 货币单位money collector 收款人money credit 货币信用money down 付现款money equivalent 货币等价money-flow analysis 货币流量分析near money 准货币neutral money 中介货币provident fund 准备基金public audit 公开审计public money 公款short-term funds 短期资金sinking fund 偿债基金soft currency 软币subsidy account 补助金帐户transfer to reserve account 转到准备金帐户transferable money 可转帐货币trust bank 信托银行trust fund 信托基金withdrawal from circulation （货币）回笼withdrawal of bank notes 钞票回笼withdrawal of funds 资金回收banker's bank 中央银行banks with business dealing with the central bank 中央银行的往来银行foreign banks 外国银行local bank 地方银行overseas branches 国外分行foreign correspondent 国外代理银行nationalized bank 国有化银行national bank 国家银行bank of the government 政府的银行city bank 城市银行credit union 信用合作社operating bank 营业银行consortium bank 银团银行ordinary bank 普通银行our bank 开户银行establishing bank 开证银行intermediary bank 中间银行certifying bank 付款保证银行paying bank 付款银行appointed bank 外汇指定银行correspondent 代理行main bank 主要银行remitting bank 汇出银行remittance bank 汇款银行negotiating bank 议付银行issue bank 发行银行bank of deposit 存款银行rediscount bank 再贴现银行agent for collection 托收代理银行collecting bank 托收银行mortgage bank 抵押银行selling bank 卖方银行requesting bank 委托开证银行transmitting bank 转证银行trustee bank 受托银行domestic correspondent 国内通汇银行loan bank 放款银行accepting bank 承兑银行confirming bank 保兑银行discounting bank 贴现银行creditor bank 债权银行debtor bank 借方银行advising bank 通知银行acceptance bank 票据承兑行clearing bank 清算银行presenting bank 提示银行affiliated bank 联行long-term credit bank 长期信用银行specialized foreign exchange bank 外汇专业银行member bank 会员银行fringe bank 边缘银行export and import bank 进出口银行managing bank of a syndicate 财团的经理银行non-member bank 非会员银行credit bank 信贷银行chartered bank 特许银行special bank 特殊银行side-work bank 兼业银行overseas bank 海外银行popularity bank 庶民银行banker's association 银行协会infrastructure bank 基本建设投资银行reserving bank 储备银行savings bank 储蓄银行multinational bank 跨国银行world bank 世界银行Asian Development Fund (ADB) 亚洲开发银行Euro-bank欧洲银行International Investment Bank (IIB) 国际投资银行interest subsidy 利息补贴interest restriction 利息限制legal interest 法定利息public deposit 政府存款derivative deposit 派生存款special deposit 特种存款reserve deposit 准备存款bank deposit 银行存款reserve account 准备金帐户Bank of Communications 交通银行Development Bank 开发银行the Construction Bank of China 中国建设银行the People's Bank of China 中国人民银行Industrial and Commercial Bank of China 中国工商银行Agricultural Bank of China 中国农业银行China Investment Bank 中国投资银行Bank of China 中国银行the International Trust and Investment Corporation of China (ITICC) 中国国际信托投资公司advice of drawing 提款通知书draw提款drawee bank 付款银行drawing account 提款帐户fixed savings withdrawal 定期储蓄提款run on a bank 银行挤兑outward remittance 汇出汇款postal remittance 邮政汇款remittance by draft 汇票汇款remittance charges 汇费telegraphic transfer (T/T) 电汇collection of trade charges 托收货款collection on clean bill 光票托收collection on documents 跟单托收collecting bank 托收银行letter transfer 信汇deposit rate 存款利率external account 对外帐户fixed deposit (=time deposit) 定期存款fixed deposit by installment 零存整取imprest bank account 定额银行存款专户large deposit 大额存款nominal deposit 名义存款non-resident account 非居民存款account charges 账户费用"account current (A/C,a/c)" 往来帐户amount in figures 小写金额amount in words 大写金额application form for a banking account 银行开户申请书bank balance 存款余额Certificate of Deposits (CDs) 大额定期存款单certificate of balance 存款凭单checking account 支票帐户。
贷款程序中英文对照
AcceptanceAll ICBC's county- and district-level sub-branches handling loan business and their corporate business departments (or marketing departments equivalent to corporate business departments) can accept application of borrowers for fixed assets loan. Generally, it is the client's bank of deposit that will accept and primarily review application of the client and submit preliminary opinions on the accepted loan. ⼀、受理 中国⼯商银⾏办理贷款业务的县、区⽀⾏及其以上机构的公司业务部门（或相当于公司业务部门的市场营销部门）均可受理借款⼈固定资产贷款申请。
客户的申请⼀般由客户的开户⾏受理和初审，并由该⾏对受理的贷款提出初步意见。
II. Primary auditingMain contents reviewed at the primary review stage of fixed assets loan: subordinate bank's application report; document of approval to the project; proprietor's letter of application for loan; recent statements of borrowers; and project loan conditions. ⼆、初审 固定资产贷款初审阶段主要审查内容是：下级⾏申请报告；项⽬批准⽂件；业主借款申请；借款⼈近期报表情况；项⽬贷款条件。
银行专业术语金融英语（中英文对照）范文合集
银行专业术语金融英语（中英文对照）范文合集第一篇：银行专业术语金融英语(中英文对照)银行专业术语金融英语1.现金业务：Cash business,2.转账业务：transfer business,3.汇兑业务：currency exchange business,4.委托收款：commission receivables,5.发放贷款：loans,6.贷款收回：loan recovery，7.贷款展期：loan extension，8.办理银行汇票：apply for bank drafts,9.收息：interest,10托收： collection.其他相关：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 国库券第二篇：模具常用专业术语中英文对照塑料模具常用专业术语中英文对照模胚（架）： mold base三板模（细水口）：3-plate mold二板模（大水口）：2-plate 定位圈（法栏）locating ring 浇口套（唧嘴）sprue bushing热流道： hot runner,hot manifold面板:cavity adaptor plate 水口板：runner stripper plate 上模板（A板）:cavity plate 下模板（B板）:core plate 上内模（型腔＼母模＼凹模）：cavity insert下内模（型芯＼公模＼凸模）：core insert 推板：stripper plate 模脚（方铁）spacer plate 顶针板：ejector retainner plate托板(顶针底板)： support plat垃圾钉：stop pin撑头: support pillar底板：coreadaptor plate 推杆：push bar 顶针： ejector pin 司筒：ejector sleeve司筒针：ejector pin 回针：push bake pin 导柱：leader pin/guide pin 导套：bushing/guide bushing中托司（顶针板导套）：shoulder guide bushing中托边(顶针板导柱)：guide pin滑块（行位）： slide 波子弹弓（定位珠）：ball catch 耐磨板/油板：wedge wear 压条：plate斜导边（斜导柱）：angle pin压座/铲鸡：wedge斜顶：angle from pin 斜顶杆：angle ejector rod 缩呵：movable core,return core core puller尼龙拉勾（扣机）：nylonlatch lock栓打螺丝：S.H.S.B 镶针：pin喉塞: pipe plug锁模块：lock plate挡板：stop plate螺丝： screw推板：stripper plate斜顶：lifterplate塑胶管：plastic tube快速接头：jiffy quick connector plug/sockermold内模管位：core/cavity inter-lockflash(塑件)毛边电极(铜公)：copper electrode五金模具常用专业术语中英文对照cutting die, blanking die冲裁模progressive die, follow(-on)die 连续模compound die复合模punched hole冲孔panel board镶块to cutedges=side cut=side scrap切边to bending折弯to pull, to stretch拉伸Line streching, line pulling线拉伸engraving, to engrave刻印 top plate上托板（顶板）top block 上垫脚punch set上模座punch pad上垫板punch holder上夹板stripper pad脱料背板up stripper上脱料板die pad下垫板die holder下夹板die set下模座bottom block下垫脚bottom plate 底板（下托板）stripping plate 脱料板（表里打）outer stripper外脱料板inner stripper内脱料板lower stripper 下脱料板上模座upper die set 成型公 form punch脱料板stripper 垫板subplate/backup plate下模座die plate垫脚parallel托板mounting plate 顶料销kick off初始管位first start pin 带肩螺丝shoulder screw两用销lifter pin弹簧护套spring cage 拔牙螺丝jack screw侧冲组件 cam sectionbites导导正装置 guide equipment 尺rail漏废料孔 slug hole限位块stop block送料板rail plate刀口trim line挡块stopper倒角chamfer入子insert 浮块lifter 销钉dowel 护套bushing压块keeper尖角sharp--angle整形公restrike forming 靠块heel 普通弹簧coil springpunch 对正块alignmentblock镶件insert止挡板stop plate闭合高度shuthight 插针pilot pin挂台head 上夹板/固定座顶杆lifter bolt扣位pocket of head导柱guide post导套guide bushing油嘴oil nipple接刀口mismatch/cookieholder/retainer下模座lower die set成刑母公formingdie码模槽mounting slot 球锁紧固定座ball-lock起吊孔handing hole垫片shim/wear-plate键槽key slot沉孔counter hole导正块thrustblock 第三篇：音乐专业术语中英文对照Accordion 手风琴Aftertouch 触后Alto 女低音Amplitude 振幅Amplitude Modulation(AM)调幅Analogue 模拟的Anticipation 先现音Arpeggio 琶音，分解和弦Attack 起音Audio 音频Augmented 增音程，增和弦Ballade 叙事曲Band 波段，大乐队Banjo 班卓琴（美国民间乐器）Bank 音色库Baritone 男中音Barline 小节线Baroque 巴罗克Bass 贝司Bassoon 大管（巴松）Brass 铜管总称Cassette 卡座Cello 大提琴Channel 音色通道Choir 人声合唱Chord 和弦Chorus 合唱效果器Clarinet 单簧管Clef 谱号Combination 组合音色Compressor 压缩效果器Concerto 协奏曲Console 调音台Contrabass 低音提琴Ctrl 控制器Cymbal 镲，钹Decay 衰减Delay 延迟效果器Digital 数码的Diminished 减音程，减和弦Distorted 失真效果器Dolby NR 杜比降噪 Dominant 属音（和弦）Dot 附点Drum 鼓Duration 音符的时值Echo 回声，反射Effector 效果器Encore 返场加演曲目English Horn 英国管Enhance 增益Envelope 包络EQ(Equalizer)均衡器Exciter 激励器External 外置的，外部设备的Fade in 淡入Fade out 淡出Fantasia 幻想曲Filter 滤波器Flange 凸缘效果器Flat 降号Flute 长笛French Horn 圆号（法国号）Frequency 频率Frequency Modulation(FM)调频Fret 吉它指板Fretless Bass 无品贝司Grace Note 装饰音Grand Piano 三角钢琴Graphic 图解式的Guitar 吉它Harmonica 口琴Harmony 和声，和声学Harp 竖琴Harpsichord 古钢琴Instrument 乐器Intermezzo 间奏曲Internal 内置的，内部的Interval 音程Inversion 转位Key 调Keyboard 键盘Leading-note 导音LFO 低频震荡器 Loop 循环反复Lyric 歌词Major 大调的March 进行曲Measure 小节Metronome 节拍器Minor 小调的Modulation 调制Mordent 波音Monitor 监听Mono 单声道Multiple 多重，多轨Mute 静音Nocturne 夜曲Normalize 最大化波形Note 音符Nylon 尼龙弦吉它Oboe 双簧管Octave 八度Opera 歌剧Orchestral 交响乐团Organ 管风琴Overdrive 过载效果器Overture 序曲Pad 铺垫和弦Pan 相位Pattern 模板Pedal 踏板Percussion 打击乐Phase 相位调整Phones 耳机Piccolo 短笛Pitch 音高Pitch Bend 音高的滑动（推弦）Pizz String 弦乐器拨弦Playback 回放Polyphony 复调,复音数Prelude 前奏曲Quantize 量化Quartet 四重奏（唱）Quintet 五重奏（唱）Realtime 实时的 Recorder 竖笛Relative key 关系调Release 释音Renaissance 文艺复兴Reverb 混响Reverse 颠倒位置Rhapsody 狂想曲Sample 采样器Sample rate 采样率Sampler 采样器Sawtooth 锯齿波Sax 萨克斯Scale 音阶Score 谱面Serenade 小夜曲Sequencer 音序器Sharp 升号Sine 正弦波Sitar 西他（印度乐器）SMPTE 音视频同步码Solo 独奏Sonata 奏鸣曲Soprano 女高音Spectrum 频谱Square 方型波Staff 五线谱Steel 钢弦吉它Stereo 立体声Strings 弦乐器Subdominant 下属音（和弦）Suspension 延留音Sustain 延音（踏板）Symphony 交响曲Synth 合成的Synthesizer 合成器Tab 吉它六线谱Tape 磁带Tempo 速度Tenor 男高音Timpani 定音鼓Tonica 主和弦Track 音轨 Transpose 移调Tremolo 颤音Trembone 长号Trio 三重奏（唱）Trumpet 小号Tuba 大号Turn 调音Velocity 触键力度Vibrato 颤音，振动Viola 中提琴Violin 小提琴Voice 声部Volume 音量Wah 哇音效果器Xylophone 木琴第四篇：物探专业术语中英文对照lunar tide太阴潮 solar tide太阳潮 turbulence湍流spectrum of turbulence湍流谱turbulent diffusion湍流扩散turbulent dissipation湍流耗散turbulent exchange湍流交换turbulent mixing湍流混合 twilight曙暮光 wind shear风切变 yield function产额函数zonal circulation纬向环流zonal wind纬向风airglow气辉MST radarMST雷达，对流层、平流层、中层大气探测雷达。
金融方面的专业英语词汇
金融方面的专业英语词汇AAcceleration depreciation 加速折旧Acceleration Clause 加速条款，提前偿付条款Acceptor 承兑人；受票人；接受人Acceptance 承兑，承兑汇票Acceptance Commission 承兑费用Acceptance Credit承兑信用证，承兑信用Acceptance Market承兑票据市场Acceptance bank承兑银行Accommodation paper 融通票据；担保借据Accounts payable 应付帐款Accounts receivable 应收帐款Accrual basis 应计制；权责发生制Accrued interest 应计利息Accredited Investors 合资格投资者；受信投资人指符合美国证券交易委员(SEC)条例，可参与一般美国非公开(私募)发行的部份机构和高净值个人投资者Accredit value 自然增长值ACE 美国商品交易所Acid Test Ratio 酸性测验比率；速动比率Across the board 全面一致；全盘的Acting in concert 一致行动；合谋Active assets 活动资产；有收益资产Active capital 活动资本Actual market 现货市场Actuary 精算师；保险统计专家ADB 亚洲开发银行ADR 美国存股证；美国预托收据；美国存托凭证ADS 美国存托股份Ad valorem 从价；按值Affiliated company 关联公司；联营公司After date 发票后，出票后After-market 后市Agreement 协议；协定All-or-none order 整批委托Allocation 分配；配置Allotment 配股Alpha (Market Alpha) 阿尔法；预期市场可得收益水平Alternative investment 另类投资American Commodities Exchange 美国商品交易所American Depository Receipt 美国存股证；美国预托收据；美国存托凭证 (简称“ADR ”参见ADR栏目)American Depository Share 美国存托股份Amercian Stock Exchange 美国证券交易所American style option 美式期权Amex 美国证券交易所Amortizable intangibles 可摊销的无形资产Amortization 摊销Amsterdam Stock Exchange 阿姆斯特丹证券交易所Annual General Meeting 周年大会Annualized 年度化；按年计Annual report 年报；年度报告Anticipatory breach 预期违约Antitrust 反垄断APEC 亚太区经济合作组织(亚太经合组织)Appreciation [财产] 增值；涨价Appropriation 拨款；经费；指拨金额Arbitrage 套利；套汇；套戥Arbitration 仲裁Arm's length transaction 公平交易Arrears拖欠，欠款Articles of Association 公司章程；组织细则At-the-money option 平价期权；等价期权ASEAN 东南亚国家联盟 (东盟)Asian bank syndication market 亚洲银团市场Asian dollar bonds 亚洲美元债券Asset Allocation 资产配置Asset Backed Securities 资产担保债券Asset Management 资产管理Asset swap 资产掉期Assignment method 转让方法；指定分配方法ASX 澳大利亚证券交易所Auckland Stock Exchange 奥克兰证券交易所Auction market 竞价市场Authorized capital 法定股本；核准资本Authorized fund 认可基金Authorized representative 授权代表Australian Options Market 澳大利亚期权交易所Australian Stock Exchange 澳大利亚证券交易所BBack-door listing 借壳上市Back-end load 撤离费；后收费用Back office 后勤办公室Back to back FX agreement 背靠背外汇协议Bad check空头支票，坏票，退票Bad debts risk坏账风险Bailout指相关机构对周转有问题的银行提供财务援助的措施，如融资Balance of payments 国际收支平衡；收支结余Balance of trade 贸易平衡Balance sheet 资产负债表Balloon maturity 期末放气式偿还Balloon payment 最末期大笔还清Bancogiro银行资金划拔制度Bank, Banker, Banking 银行；银行家；银行业Bank account银行往来账户Bank Charge银行手续费（来澳洲的之前一定要问清楚，我吃亏了）Bank for International Settlements 国际结算银行Bank holding company 银行控股公司Bank interest 银行存款利息，银行贷款利息Bankruptcy 破产Bank loan银行贷款Base day 基准日Base rate 基准利率Basis point 基点；点子Basis swap 基准掉期Bear market 熊市；股市行情看淡Bearer 持票人Bearer stock 不记名股票Behind-the-scene 未开拓市场Below par 低于平值Benchmark 比较基准Beneficiary 受益人Beta (Market beta) 贝他(系数)；市场风险指数Best practice 最佳做法；典范做法Bills department 押汇部Bill of exchange 汇票BIS 国际结算银行Blackout period 封锁期Block trade 大额交易；大宗买卖Blue chips 蓝筹股Blue Sky [美国] 蓝天法；股票买卖交易法Board of directors 董事会Bona fide buyer 真诚买家Bond market 债券市场，债市Bonds 债券，债票Bonus issue 派送红股Bonus share 红股Book value 帐面值Bookbuilding 建立投资者购股意愿档案；建档；询价圈购BOOT 建造；拥有；经营；转让BOT 建造；经营；转让Bottom line 底线；最低限度Bottom-up 由下而上(方法)Bounced cheque 空头支票Bourse 股票交易所(法文)BP (Basis Point) 基点Brand management 品牌管理Break-up fees 破除协议费用Break-up valuation 破产清理价值评估Breakeven point 收支平衡点Bridging loan 临时贷款/过渡贷款Broad money 广义货币Broker, Broking,Brokerage House 经纪；证券买卖；证券交易；证券行；经纪行Brussels Stock Exchange 布鲁塞尔证券交易所BSSM 建造/设备供应-服务/维修Bubble economy 泡沫经济Build, Operate and Transfer 建造、经营、转让Build, Own, Operate and Transfer 建造；拥有；经营；转让Build/Supply-Service/Maintain 建造/设备供应-服务/维修Bull market 牛市；股市行情看涨Bullets 不得赎回直至到期(债券结构之一)Bullish 看涨; 看好行情Bundesbank 德国联邦银行；德国央行Business day 营业日Business management 业务管理；商务管理；工商管理Business studies 业务研究；商业研究Buy-back 回购Buy-side analyst 买方分析员Buyer's credit 买方信贷（进口）Buyout 收购；买入By-law 细则；组织章程CCAC 巴黎CAC指数CAGR 复合年增长率Calendar year 月历年度Call-spread warrant 欧洲式跨价认股权证Call option 认购期权Call protection/provision 赎回保障/条款Call warrant 认购认股权证Callable bond 可赎回债券Cap 上限Capacity 生产能力；产能CAPEX 资本支出Capital Adequacy Ratio 资本充足比率Capital base 资本金；资本基楚Capital expenditure 资本支出Capitalization >资本值Capital markets 资本市场；资金市场Capital raising 融资；筹集资金Carry trade 利率差额交易；套利外汇交易；息差交易Cash-settled warrant 现金认股权证Cash earnings per share 每股现金盈利Cash flow 现金流量CCASS 中央结算及交收系统CD 存款证CDS 参见Credit Default Swap栏目CEDEL 世达国际结算系统(即欧洲货币市场结算系统) Ceiling 上限Ceiling-floor agreement 上下限协议Central Clearing & Settlement System 中央结算及交收系统CEO 行政总栽；行政总监；首席执行官CEPA 即2003年6月29日于香港签署的《内陆与香港关于建立更紧密经贸关系的安排》，是英文“The Closer Economic Partnership Arrangement (CEPA) between Hong Kong and the Mainland”的简称。
中英文财务报表对照
---------------------------------------------------------------最新资料推荐------------------------------------------------------中英文财务报表对照中英文财务报表对照摘自《首席财务官》 2008 年 12 月 11日一、企业财务会计报表封面 FINANCIAL REPORT COVER 报表所属期间之期末时间点 Period Ended 所属月份 Reporting Period 报出日期 Submit Date 记账本位币币种 Local Reporting Currency 审核人 Verifier 填表人 Preparer 二、资产负债表 Balance Sheet 资产 Assets 流动资产Current Assets 货币资金 Bank and Cash 短期投资 Current Investment 一年内到期委托贷款 Entrusted loan receivable due within one year 减：一年内到期委托贷款减值准备 Less: Impairment for Entrusted loan receivable due within one year 减：短期投资跌价准备 Less: Impairment for current investment 短期投资净额 Net bal of current investment 应收票据 Notes receivable 应收股利Dividend receivable 应收利息Interest receivable 应收账款 Account receivable 减：应收账款坏账准备 Less: Bad debt provision for Account receivable 应收账款净额 Net bal of Account receivable 其他应收款 Other receivable 减：其他应收款坏账准备 Less: Bad debt provision for Other receivable 其他应收款净额 Net bal of Other receivable1 / 8预付账款 Prepayment 应收补贴款 Subsidy receivable 存货 Inventory 减：存货跌价准备 Less: Provision for Inventory 存货净额Net bal of Inventory 已完工尚未结算款 Amount due from customer for contract work 待摊费用 Deferred Expense 一年内到期的长期债权投资 Long-term debt investment due within one year 一年内到期的应收融资租赁款Finance lease receivables due within one year 其他流动资产 Other current assets 流动资产合计 Total current assets 长期投资Long-term investment 长期股权投资Long-term equity investment 委托贷款 Entrusted loan receivable 长期债权投资 Long-term debt investment 长期投资合计 Total for long-term investment 减：长期股权投资减值准备Less: Impairment for long-term equity investment 减：长期债权投资减值准备 Less: Impairment for long-term debt investment 减：委托贷款减值准备Less: Provision for entrusted loan receivable 长期投资净额 Net bal of long-term investment 其中：合并价差 Include: Goodwill (Negative goodwill) 固定资产 Fixed assets 固定资产原值 Cost 减：---------------------------------------------------------------最新资料推荐------------------------------------------------------ 累计折旧 Less: Accumulated Depreciation 固定资产净值Net bal 减：固定资产减值准备 Less: Impairment for fixed assets 固定资产净额 NBV of fixed assets 工程物资 Material holds for construction of fixed assets 在建工程Construction in progress 减：在建工程减值准备 Less: Impairment for construction in progress 在建工程净额 Net bal of construction in progress 固定资产清理 Fixed assets to be disposed of 固定资产合计Total fixed assets 无形资产及其他资产Other assets Intangible assets 无形资产 Intangible assets 减：无形资产减值准备 Less: Impairment for intangible assets 无形资产净额 Net bal of intangible assets 长期待摊费用Long-term deferred expense 融资租赁未担保余值 Finance lease Unguaranteed residual values 融资租赁应收融资租赁款Finance lease Receivables 其他长期资产Other non-current assets 无形及其他长期资产合计 Total other assets intangible assets 递延税项 Deferred Tax 递延税款借项 Deferred Tax assets 资产总计 Total assets 负债及所有者(或股东)权益 Liability Equity 流动负债 Current liability 短期借款 Short-term loans 应付票据 Notes3 / 8payable 应付账款 Accounts payable 已结算尚未完工款预收账款 Advance from customers 应付工资 Payroll payable 应付福利费Welfare payable 应付股利Dividend payable 应交税金Taxes payable 其他应交款Other fees payable 其他应付款 Other payable 预提费用 Accrued Expense 预计负债 Provision 递延收益 Deferred Revenue 一年内到期的长期负债 Long-term liability due within one year 其他流动负债 Other current liability 流动负债合计 Total current liability 长期负债Long-term liability 长期借款Long-term loans 应付债券 Bonds payable 长期应付款Long-term payable 专项应付款 Grants Subsidies received 其他长期负债 Other long-term liability 长期负债合计 Total long-term liability 递延税项 Deferred Tax 递延税款贷项Deferred Tax liabilities 负债合计 Total liability 少数股东权益 Minority interests 所有者权益(或股东权益) Owners Equity 实收资本(或股本) Paid in capital 减;已归还投资Less: Capital redemption 实收资本(或股本)净额 Net bal of Paid in capital 资本公积 Capital Reserves 盈余公积Surplus Reserves 其中：法定公益金 Include: Statutory reserves 未确认投资损失Unrealised investment losses 未分配利润 Retained profits after appropriation 其中：---------------------------------------------------------------最新资料推荐------------------------------------------------------ 本年利润 Include: Profits for the year 外币报表折算差额Translation reserve 所有者(或股东)权益合计Total Equity 负债及所有者(或股东)权益合计Total Liability Equity 三、利润及利润分配表 Income statement and profit appropriation 一、主营业务收入 Revenue 减：主营业务成本 Less: Cost of Sales 主营业务税金及附加Sales Tax 二、主营业务利润(亏损以填列) Gross Profit ( - means loss) 加：其他业务收入 Add: Other operating income 减：其他业务支出 Less: Other operating expense 减：营业费用 Selling Distribution expense 管理费用 GA expense 财务费用 Finance expense 三、营业利润(亏损以填列) Profit from operation ( - means loss) 加：投资收益(亏损以填列) Add: Investment income 补贴收入Subsidy Income 营业外收入 Non-operating income 减：营业外支出 Less: Non-operating expense 四、利润总额(亏损总额以填列) Profit before Tax 减：所得税 Less: Income tax 少数股东损益 Minority interest 加：未确认投资损失 Add: Unrealised investment losses 五、净利润(净亏损以填列) Net profit ( - means loss) 加：5 / 8年初未分配利润 Add: Retained profits 其他转入 Other transfer-in 六、可供分配的利润Profit available for distribution( - means loss) 减：提取法定盈余公积 Less: Appropriation of statutory surplus reserves 提取法定公益金Appropriation of statutory welfare fund 提取职工奖励及福利基金Appropriation of staff incentive and welfare fund 提取储备基金Appropriation of reserve fund 提取企业发展基金Appropriation of enterprise expansion fund 利润归还投资Capital redemption 七、可供投资者分配的利润Profit available for owners distribution 减：应付优先股股利 Less: Appropriation of preference shares dividend 提取任意盈余公积 Appropriation of discretionary surplus reserve 应付普通股股利 Appropriation of ordinary shares dividend 转作资本(或股本)的普通股股利 Transfer from ordinary shares dividend to paid in capital 八、未分配利润 Retained profit after appropriation 补充资料：Supplementary Information: 1. 出售、处置部门或被投资单位收益Gains on disposal of operating divisions or investments 2. 自然灾害发生损失Losses from natural disaster 3. 会计政策变更增加(或减少)利润总额 Increase (decrease) in profit due to changes in accounting policies 4.---------------------------------------------------------------最新资料推荐------------------------------------------------------会计估计变更增加(或减少)利润总额 Increase (decrease) in profit due to changes in accounting estimates 5. 债务重组损失 Losses from debt restructuring 中英文对照利润表利润表 Income Statement 编制单位：年月 Prepared by: Month: year: Monetary unit: RMB yuan 项目行次本月数本年累计数 Item Line No ． Current month Current year cumulative 一、主营业务收 1 Ⅰ ． Revenue from main operations 减：主营业各成本 4 Less ：Cost of main operations 主营业务税金及附加 5 Taxes and surcharge for main operations 二、主营业务利润 ( 亏损以 -号填列) 10 Ⅱ． Profit/Loss from main operations 加：其他业务利润 ( 亏损以 - 号填列 ) 11 Add ：Profit/Loss from other operations 减：营业费用 14 Less ：Operating expenses 管理费用15 General and administrative expenses 财务费用 16 Financial expenses 三、营业利润 (( 亏损以 - 号填列) 18 Ⅲ． Operating profit/loss 加：投资收益 ( 亏损以 - 号填列 ) 19 Add ：Investment income/losses 补贴收入 22 Revenue from7 / 8subsidies 营业外收入 23 Non-operating revenue 减：营业外支出 25 Less ：Non-operating expenditures 四、利润总额 ( 亏损以 - 号填列) 27 Ⅳ． Income/Loss before tax 减：所得税 28 Less ：Income tax 五、净利润 ( 亏损以 - 号填列 ) 30 V ． Net income/loss 补充资料 Supplementary information: 项目本年累计数上年实际数 Item Current year cumulative Prior year actual1．出售、处置部门或被投资单位所得收益Gain on sale and disposal of a department or an invested enterprise 2 ．自然灾害发生的损失 Losses arising from natural disasters 3. 会计政策变更增加 ( 或减少 ) 利润总额Increase ／ decrease in income before tax due to a change in accounting policy 4. 会计估计变更增加 ( 或减少 ) 利润总额Increase/decrease in income before tax due to a change in accountingestimate 5 ．债务重组损失 Losses arising from debt restructurings 6 ．其他 Others。
委贷006抵押合同 英文
鉴于Whereas一、（下称“债务人”）与乙方及（下称“委托贷款人”）签订了编号为的《委托贷款合同》（以下称“主合同”）；二、甲方愿意为债务人在主合同项下的债务提供抵押担保；三、委托贷款人委托乙方作为委托贷款人的代理人以乙方的名义与甲方签署本合同。
经协商一致，特订立本合同，以便共同遵守。
Ⅰ. (hereinafter called “debtor”) signed the number The Entrusted Loan Contract (hereinafter called “main contract”) with Party B and (hereinafter called “entrusted lender”);Ⅱ.Party A is willing to provide mortgage guarantee for the debtor under the main contract;Ⅲ.Entrusted lender entrusts Party B as his or her agent signing this contract with Party A in the name of Party B.By consensus, both Parties signed this contract, in order to observe together.第一条抵押财产甲方以本合同“抵押财产清单”所列之财产设定抵押。
Article 1 The mortgaged propertyParty A setting mortgages as "The mortgaged property list" of this contract.第二条担保范围主合同项下本金（币种）（金额大写）及利息（包括复利和罚息）、违约金、赔偿金、债务人应向委托贷款人支付的其他款项以及实现主合同项下债权与担保权利而发生的费用（包括但不限于诉讼费、仲裁费、财产保全费、差旅费、执行费、评估费、拍卖费、公证费、送达费、公告费、律师费等）。
专业英语结课作业人文地理学研究生二年级.
专业英语结课作业——李宁 2012级人文地理On Financing Models of Real Estate Enterprise房地产公司的融资模式Abstract: Against the background that the central government is strengthening macro control and tightening credit scale of real estate businesses, financing capacity becomes the determinant for a real estate enterprise's development. Domestic enterprises nave many ways of financing, and this paper describes ten common models, simply analyses the advantages and disadvantages of each model, while explains and recommends three financing examples models with practical examples : individual entrusted loan, trust financing and assets securitization.摘要:在国家加大宏观调控力度、紧缩房地产信贷规模的背景下, 房地产企业面临严峻的资金压力,融资能力成为决定房地产持续发展的决定因素。
国内房地产企业的融资方式较多, 本文深入浅出地介绍了常见的十种模式, 简单地分析了各种模式的优缺点, 并结合工作实际, 推荐和较详细地介绍了三种融资模式:个人委托贷款、信托融资、资产证券化。
Keywords: real estate enterprise, enterprise financing, individual entrusted loan, trust financing, assets securitization, equity financing 关键字:房地产企业;企业融资;个人委托贷款;信托融资;资产证券化;股权融资文章分为四部分:1、 Introduction 介绍2、 Common financing model for real estate enterprises 房地产公司的一般融资模式3、 Comparison and selection of real estate enterprise financing models 对比选择房地产公司融资模式4、 Conclusion 结论1、 Introduction 介绍Real estate industry features in capital intensive, long development cycle, great input, high risk and so on. Traditional financing ways for real estate enterprises mainly include self-funded plus bank loans. Since the People's Bank of China issued No.121 Paper, financial institutions tightened cash flows, enterprises dependent on commercial banksfor financing get into difficulties, meaning financing capacity has become a determinant for the sustainable development of a real estate enterprise.The financial system in China is not mature, so real estate enterprises should not only be confined to bank loans, but also seek for more financing channels and fully play the diversified financing functions of the society, for survival and further development. Only enterprises with timely innovation in financing and plenty of capital can survive and develop. Therefore, it is necessary and meaningful to study and analyze various financing ways.2、 Common financing model for real estate enterprises 房地产公司的一般融资模式Domestic real estate enterprises have different financing models, each with advantages and disadvantages, and they are summarized as follows:2.1 Bank loans 银行贷款This is a traditional financing method. According to statistics, before No.121 Paper from the People’s Bank of China, real estate projects sourced about 60% of the fund directly or indirectly from banks. Bank loans include credit loans, mortgage loans, etc.Some enterprises used to mortgage the land they take for loans, arrear part of land transferring fees, stage the project development, subcontract the project with advance capital and forward sale, etc. to rapidly recover funds. Nowadays, these ways are not workable.2.2 Institutional investments + bank loans 机构投资 +银行贷款Institutional investments plus bank loans, this model is also referred as bridge loans. When real estate enterprises are not able to self-fund for land grant fee, etc., institutional investors provide short-term capital support (bridging, to keep the project moving (crossing bridge. When the projects have cash inflow, Banks began to loan. For enterprises targeting at further development, this model only ease the cash tightness for a while, not a guarantee for long-term financial support.2.3Equity financing 股权融资Equity financing model is broadly adopted in real estate industry. In order to get financed, many real estate project developers are willing to attract funds through capital and equity increase. The largest shortcoming缺点 of this model is that the developers have to give out分发 a large part of profits, which is not quite acceptable for companies with good projects这一点并不能为拥有好项目的公司所接受 . In addition, as equity financing involves management and administrative power由于股权融资包括管理和行政权力 , enterprises for long-term development would not prefer this method企业长期发展并不喜欢这种方式 .2.4Corporate bonds 公司债券This method is often used for new projects, with a higher interest rate than that of banks of the same period比银行同期利率更高的利息 . Large enterprises generally issue more bonds, while general real estate projects seldom can get a chance to issue bonds大公司通常会发行很多债券,但通常不动产项目很少能有这样的机会 . Therequirements on the bond-issuer are strict, only exclusively-state-owned companies, public companies, and limited liability companies established by two state-owned investment subjects are qualified 债券发行人的要求是严格的 , 只有完全国有企业 , 上市公司 , 有限责任公司建立了两个国有投资主体才有资格。
信贷基本词汇英汉对照[突然发现写软件也要被迫学企业管理的一些相关知识....]
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信贷基本词汇英汉对照[突然发现写软件也要被迫学企业管理的⼀些相关知识....]a payment or serious payments ⼀次或多次付款abatement 扣减absolute and unconditional payments 绝对和⽆条件付款accelerated payment 加速⽀付acceptance date 接受⽇acceptance 接受accession 加⼊accessories 附属设备accountability 承担责任的程度accounting benefits 会计利益accounting period 会计期间accounting policies 会计政策accounting principle 会计准则accounting treatment 会计处理accounts receivables 应收账款accounts 账项accredited investors 经备案的投资⼈accumulated allowance 累计准备⾦acknowledgement requirement 对承认的要求acquisition of assets 资产的取得acquisitions 兼并Act on Product Liability （德国）⽣产责任法action 诉讼actual ownership 事实上的所有权additional filings 补充备案additional margin 附加利差additional risk附加风险additions （设备的）附件adjusted tax basis 已调整税基adjustment of yield 对收益的调整administrative fee管理费Administrative Law（美国）⾏政法advance notice 事先通知advance 放款adverse tax consequences 不利的税收后果advertising 做⼴告affiliated group 联合团体affiliate 附属机构African Leasing Association ⾮洲租赁协会after-tax rate 税后利率aggregate rents 合计租⾦aggregate risk 合计风险agreement concerning rights of explore natural resources 涉及⾃然资源开发权的协议agreement 协议aircraft registry 飞机登记airframe （飞机的）机⾝airports 机场airworthiness directives （飞机的）适航指令alliances 联盟allocation of finance income 财务收益分配allowance for losses on receivables 应收款损失备抵⾦alternative uses 改换⽤途地使⽤amenability to foreign investment 外国投资的易受控制程度amendment 修改American Law Institute 美国法学会amortization of deferred loan fees and related consideration 递延的贷款费和相关的报酬的摊销amortization schedule 摊销进度表amortize 摊销amount of recourse 求偿⾦额amount of usage 使⽤量AMT (Alternative Minimum Tax) （美国）可替代最低税analogous to类推为annual budget appropriation 年度预算拨款appendix （契约性⽂件的）附件applicable law 适⽤法律applicable securities laws适⽤的证券法律applicable tax life 适⽤的应纳税寿命appraisal 评估appraisers 评估⼈员appreciation 溢价appropriation provisions 拨款条例appropriation 侵占approval authority 核准权approval 核准approximation近似arbitrary and artificially high value (承租⼈违约出租⼈收回租赁物时法官判决的)任意的和⼈为抬⾼的价值arbitration 仲裁arm's length transaction 公平交易arrangement 安排arrest 扣留Article 2A 美国统⼀商法典关于法定融资租赁的条款articles of incorporation 公司章程AsiaLeaae 亚洲租赁协会assess 评估asset manager 设备经理asset risk insurance 资产风险保险asset securitization 资产证券化asset specificity 资产特点asset tracking 资产跟踪asset-backed financing 资产⽀持型融资asset-based lessor ⽴⾜于资产的出租⼈asset-oriented lessor (经营租赁中的)资产导向型出租⼈asset 资产assignee 受让⼈assignment 让与association 社团at the expiry 期限届满时ATT (automatic transfer of title) 所有权⾃动转移attachments 附着物attributes 属性auction sale 拍卖audits 审计authenticate 认证authentication 证实authority 当局authorize 认可availability of fixed rate medium-term financing 固定利率中期融资可得到的程度available-for-sale securities 正供出售证券average life 平均寿命average managed net financed assets 所管理的已筹资⾦资产净额平均值aviation authority 民航当局backed-up servicer 替补服务者backhoe反铲装载机balance sheet date 资产负债表⽇bandwidth 带宽bank affiliates 银⾏的下属机构bank quote 银⾏报价bankruptcy cost 破产成本bankruptcy court 破产法院bankruptcy law 破产法bankruptcy proceedings 破产程序bankruptcy 破产bareboat charterer 光船承租⼈bargain renewal option廉价续租任择权basic earnings per share每股基本收益basic rent基本租⾦（各期应付的租⾦）beneficiaries受益⼈big-ticket items⼤额项⽬bill and collect开票和收款binding agreement有约束⼒的协议blind vendor discount卖主暗扣bluebook蓝⽪书（美国⼆⼿市场设备价格⼿册）book income账⾯收⼊book loses账⾯亏损borrower借款⼈BPO(bargain purchase option)廉价购买任择权bridge facility桥式融通bridge桥梁broker fee经纪⼈费brokers经纪⼈build-to-suit leases（租赁物由承租⼈）承建或承造的租赁协议bulldozer推⼟机bundled additional services捆绑（在⼀起的）附加服务bundling捆绑（服务）business acquisition业务收购business and occupation tax营业及开业许可税business generation业务开发business trust商业信托by(e)-laws细则byte字节cable TV network有线电视⽹络cable电缆cancelability可撤销性cancelable可撤销的capacity资格capital allocation资本分派capital constraint资⾦掣肘capital contribution出资额capital cost资本费⽤capital expenditure基建费⽤capital lease融资租赁协议capital market资本市场capitalize资本化captive finance company专属⾦融公司captives专属公司carrying amount维持费⽤carrying value账⾯结存价值case law案例法cash collatera1现⾦抵押cash election现⾦选择cash flow coverage ratio现⾦流偿债能⼒⽐率cash flow现⾦流cash receipts and cash applications现⾦收⼊及现⾦运⽤casualty value要因价值（指租赁物毁坏或灭失时承租⼈应付的赔偿⾦额）casualty灾变、事故CAT(computer-added tomograph)依靠电脑的层析X射线摄影机category种类causal sale偶然销售ceiling上限cellular(mobile)移动通信central authority中央集权certificate of acceptance接受证书、验收证书certificate of participation共享证书certificate证书charitable trust公益信托chattel mortgage动产抵押chattel paper动产⽂据checking account存款⽀票户checklists审核内容清单circuit board线路板civil and commercial law 民商法Civil Code（德国）民法典civil law country（欧洲⼤陆各国的）⼤陆法系国家claim 权利要求classes级别classification criteria归类标准classification determination类别的确定classification indicators分类指标classification of leases租赁协议分类classification opinion分类观点classification process归类过程clawback (⽤附加税)填补（福利开⽀）client顾客clinic诊所collateral agent副代理⼈collateral tracking system抵押物跟踪制度collateral value抵押物价值collateralized by third party medical receivables due以第三⽅到期医疗应收款作为质押collateral抵押物collect and disburse收取和⽀付collectibility可收回程度collection托收comfort level⽅便程度commerce clause商务条款commercial risk商业风险commercial terms商业条款commissions佣⾦commitment承诺common carriage通⽤车队common law country（英美等）海洋法系国家common trust共同信托commonality通⽤性compensate补偿competitive risk竞争风险competitor竞争者complex finance leases复杂的融资租赁comprehensive income综合收⼊comptroller审计官computer计算机conceptual difference概念上的差别concession period持有特许权的期间concession让步、特许conclusion结论conditional sales agreement附条件销售协议conditions of usage使⽤条件conduit structure管道结构(的公司)confidentiality保密性configure改装conflict冲突connectivility（信息传递中的）可连通性consensual or non-consensual lien同意或⾮经同意的留置权consent 同意consideration对价consolidation合并constructive acceptance of collateral抵押物的指定接受constructive sale推定出售consulting and advisory services咨询及顾问服务Consumer Credit Act（德国）消费者信⽤法consumer price index消费者价格指数consumer secured transaction消费者有担保交易consumer transaction消费者交易consumption tax消费税container集装箱contingent rental随机租⾦contingent rents随机租⾦continuation beyond the termination date终⽌⽇后的接续continuous and close customer contact同客户持续⽽紧密的接触contract maintenance（对设备的）合同维修contract origination合同开发contract pool合同池contract portfolio合同组合contract sales合同出售contracting cost缔约成本contracting states 缔约国contracts for services服务合同contractual provisions合同条款contributions出资Convention on the Recognition and Enforcement of Foreign Arbitral Award承认和执⾏外国仲裁裁决公约convention 公约converted subordinated notes可转换次级票据convincing case有说服⼒的案例core framework核⼼框架corporate aircraft公务（飞）机corporate debt market公司债市场corporate guarantees公司担保corporate income tax公司所得税corporation公司correlation相关性cost of capital资⾦成本cost of funds筹资成本cost of sale销售成本coterminous rate同期利率counsel律师counterclaim反诉counterpart副本course of dealing and usage of trade交易习惯和贸易惯例covenants契约coverage（保险中的）险别crane起重机credit and liquidity enhancement信⽤及流动性增级credit card receivables信⽤卡应收款credit card信⽤卡credit development信⽤变化credit enhancement信⽤增级credit history and profile信⽤记录和规模credit rating信⽤等级credit risk allocation and management信⽤风险的分摊及管理credit risk信⽤风险credit underwriting process信⽤担保程序credit-based lessor⽴⾜于信⽤的出租⼈credit-oriented lessor(经营租赁中的)信贷导向型出租⼈creditors债权⼈creditworthiness信誉criterion（衡量⽤的）标准critical goals关键性⽬标cross-border funding跨境融资currency risk货币风险current and non-current liabilities当期及⾮当期负债current ratio流动⽐率current realization即期实现cushion缓冲customer contact客户联系customer's purchase cycle客户的购买周期customers客户damage 损害dampening effect削弱性效应data transfer数据转换data transmission数据传输DDC (dedicated contract carriage)指定车型及司机的合同车队dealer lessors供应商出租⼈debt capital债务资本debt covenant债务契约debt instruments债务证书debt issuance costs债务发⾏成本debt maturities债务期限debt securities债务证券debt service债息debt-equity ratios⾃有资⾦负债率debt-equity treatment债务－权益处理debtor债务⼈debt-to-equity ratio权益负债率decay（机械设备的）腐蚀declarations声明dedicated capacity carriage指定最低运输量的合同车队dedicated carriage⼀应俱全的车厢deductibility可抵扣程度deduction扣减default违约defeasance structures带有废⽌条款的结构defense抗辩deficiency claim损失索赔deficiency损失、缺陷definitional maze定义上的暧昧不明definition定义deflation通货紧缩deinstallation拆卸delay in delivery 延迟交付delinquencies拖⽋delivery and acceptance process交付及验收程序denunciation 退出deposit account押⾦账项deposit taker存款接受者deposition处置depreciated value折余价值depreciation allowance折旧提存depreciation benefit折旧好处depreciation deductions折旧抵扣depreciation expense折旧费⽤depreciation period折旧期间deregulation解除管制derivative financial instruments衍⽣的⾦融⼯具designated location指定的位置detention扣押detraction减损developed and mature market发达⽽成熟的市场diagnostic equipment诊断设备differentiation差别化digitization数字化diluted earning per share每股稀释后收益direct and consequential damage直接和间接损失direct financing lease直接融资租赁direct tax直接税disaster recovery services（电脑租赁的）救灾服务disclaimer免责disclosure items披露项⽬discount rate折现率discounted present value折现值discretion⾃由酌情处理discrimination差别待遇disguised credit sale变相信贷销售disguised purchaser of the leased asset经过伪装的租赁资产买⼊⼈（指融资租赁的承租⼈）dispute resolution process争议解决程序dissolution解散distinction区别distinctive triangular relationship 特有的三边关系distribution分配diverse nuances多样化的细微差别diversification多样化diversity多样性dividends红利documentation⽂件制作及提供domestic law 国内法double taxation agreement双重课税协议double tax双重税double-dip tax leases（租赁⼀⽅为美国法⼈⽽另⼀⽅不是美国法⼈时的）双重所有权租赁协议down payment定⾦down time窝⼯时间downgraded信⽤等级下降downward sloped interest expense line趋降的利息费⽤曲线draftsmanship（合同⽂本的）起草due diligence应有的审慎durability耐久性duration of delay拖延的持续时间duress胁迫early buyout提前买断early termination提前结束earnings before minority interest少数权益前收益earnings pattern收益模型EBO (early buyout)提前买断economic benefits经济利益economic climate经济⽓候economic life经济寿命economic ownership经济上的所有权education教育effective date⽣效⽇effective ownership有效的所有权effective waiver of defenses（对）抗辩的有效放弃effectiveness有效性electronic mail电⼦邮件eligibility合格性embedded嵌⼊emerging lease markets新兴租赁市场employee benefit plans雇员福利计划enactment实施encumbrance留置权end-of-term consequences期末结果end-of-term process期末程序ends up倒闭end-users最终⽤户enforceable强制性的enforcing remedies实施补救engine发动机enhanced equipment trust certificate增级的设备信托证书enter into force⽣效entitlement权利资格Environmental Liability Act（德国）环境责任法EPS(earning per share)每股收益率equalizing等量化equipment cost设备成本equipment defects设备瑕疵equipment identification设备认定equipment leasing industry设备租赁业equipment risk allocation and management设备风险的分担及管理Equipment Schedule设备清单equitable owner衡平法上的所有权⼈equity capital权益资本equity contribution权益出资equity in net loss of invests投资净损失中的权益equity insertion权益嵌⼊（指经营租赁的出租⼈在购置⽤于租赁的货物时要更多地依赖其⾃有资⾦）equity investor权益投资⼈equity securities权益证券ERISA（ Employee Retirement Income and Security Act）（美国）雇员退休收⼊及担保法escalation clauses⾃动调整条款essential use实质性使⽤estate（房地产）产业estimated remaining period估计的剩余期间estimated residual估计的余值estimates估计ETO(early termination option)（对）提前结束（的）任择权evolution演变excess cash过剩现⾦excess deduction超额扣减exchange交换excise tax许可证税exclusive remarketing firms（只处置某类设备的）专业性再处置公司executory cost执⾏成本exempt assets免税资产exempt entity免税机构exercisable 可⾏使的exercise price⾏使（某项权利，例如购买任择权时的）价格exhaustion损耗Exhibit（契约性⽂件的）附件EXIM bank（美国）进出⼝银⾏expenditure开⽀expertise专长expiration of the initial lease term初始租赁期限的届满exposure to residual asset value所承担的资产残值风险express warranty明⽰的担保extended retention of possession对占有的延伸提留extension延期external reporting risk财务报告引起的外部风险FAA(Federal Aviation Administration)(美国)联邦航空署face value⾯值factoring company代理融通公司fair market value leases公允市值租赁（指租⾦按租赁市场的常见数额来确定）fair market value transactions公允市值交易fair value公允价值fair wear and tear合理磨损FASB(Federal Accounting Standards Board) 13（美国）财务会计标准委员会第13号说明：租赁FASIT (financial asset securitization investment trust)⾦融资产证券化投资信托fatal illness绝症features装置federal income tax联邦所得税Federal Tax Court（德国）联邦税务法庭federally guaranteed mortgage联邦保证抵押fee receivable应收费fee subordination附加费fee-based financing services以收费为基础的融资服备Felalease拉美租赁协会fiber optics光纤fiduciary responsibilities受托责任filing备案finance and other income财务及其它收⼊finance charges财务费⽤finance companies⾦融公司、财务公司finance lease laws融资租赁法律finance lease融资租赁协议financial assets⾦融资产financial bottom line财务底线financial components财务成份financial distortion财务失真financial institution⾦融机构financial instruments⾦融证书，⾦融⼯具financial leasing transaction融资租赁交易financial leasing融资租赁financial lessor融资出租⼈financial performance财务业绩financial ratios财务⽐率financial reality财务现实financial reporting risk(因财务失真所导致的)财务报告风险financial statement appearance资产负债表的表现financial terms融资条件financiers融资⼈financing source融资来源finding认定firm term确定的条款first amendment leases⾸期更改租赁协议five different frameworks（作为租赁交易宏观环境的）五个不同的框架fixed investment trust固定投资信托fixed purchase option固定价格购买任择权fixed rate固定利率fixed wire有线(通信)fixture filing固定备案flexibility灵活性floating lease accrued interest receivable浮动租赁应计的应收利息fluctuation波动FMRV(fair market rental value)公允的租⾦市值footnote disclosure通过附注披露foreclosure disposition扣押抵债处置foreclosure了结抵押（抵押权⼈按规定拍卖抵押物以受偿）forklift叉车form report格式报告forward rate agreement远期利率协议forward start swaps远期掉期four criteria（区别融资租赁和经营租赁的）四项标准fractional interest零散权益franchise特许权fraud欺诈free standing derivative instruments⾃⼒⽀撑的衍⽣⼯具from cradle to grave从摇篮到坟墓（指⾃始⾄终全程服务）front-end payment前端⽀付FSL(full-service lease)全程服务租赁fuel use tax燃料使⽤税full commitment全额承诺full disclosure充分披露full-payout versus non-full-payout全额⽀付还是⾮全额⽀付full-payout全额⽀付full-service lease全套服务租赁fund appropriation拨款fund risk筹资风险funding resources筹资渠道funding risk筹资风险furnish供应future cash flow未来的现⾦流future lease payment未来租赁付款GAAP(generally accepted accounting principle)公认会计准则gains收益gear ratio资本充⾜率gearing资本充⾜率general intangible⼀般⽆形物geographic distance地理上的距离German Insolvency Act德国破产法global leasing industry全球租赁业global survey全球调查globalization全球化goods货物goodwill商誉governmental agency政府（指定的）代理机构governmental body政府机构governmental fund政府基⾦governmental taking政府征⽤GPTD(gross profit tax deferral)⽑利税递延grantor trust委托⼈信托grantors委托⼈grantor授予⼈growth rate增长率guaranteed residual value有担保的残值guarantee担保hallmark印记hardware硬件harmonization(在有着不同法规情况下的)协调headings标题health care merchant fund incorporation 保健商融资公司health care receivables保健应收款health care services保健服务healthcare provider保健提供者heavy maintenance⼤修hedge against inflation抵御通涨hedge套期保值helicopters直升机hell-or high water clauses绝对责任条款high technology leasing⾼技术租赁hire purchase agreement租购协议hire purchase contracts租购合同hirer租⼊⼈holders持有⼈homogeneity同质性hospitalization（到）医院治疗hours of use（设备的）使⽤⼩时hurdle rate最低可接受费率IAS(International Accounting Standard) 17国际会计准则 17 租赁IDC(initial direct costs)初始直接费⽤identification确认idle capacity闲置的能⼒IFC(International Finance Corporation)国际⾦融公司illness疾病illustration演⽰immaterial items⾮实质性事项immediately available fund⽴即可以得到的资⾦impairment of assets资产减损implementation执⾏implicit interest rate隐含利率implied acceptance默认接受implied warranty or guarantee 暗⽰的担保in-bound leases进⼝租赁inception of the lease租赁协议开始⽇income and expense recognition收⼊和⽀出的确认income statement损益表income tax所得税incremental borrowing rate of interest新增借款利率incurrance of an obligation义务的承担indebtedness⽋款indemnification赔偿indemnify保护indenture trustee契约受托⼈independent director独⽴董事indexed rate指数利率（指跟着某个基准利率⾛的利率）index指数indirect bank leasing间接的银⾏租赁indirect tax间接税individual lessees个⼈承租⼈industrialization⼯业化industry dynamics⾏业动向industry lingo⾏话（⾏业内的暗语）information信息infrastructure基础设施infringement侵权in-house expertise（该公司）⾃有的专长initial accounting初始的会计处理initial case law初始判例法initial lease term初始的租期innovation创新in-place remarketing原地再处置input tax投⼊税insider transaction内部交易insolvency破产inspection findings检验结果inspection report检验报告inspection检验inspector检验员institutional finance机构融资instrument⼯具、⽂据insurance carrier承保⼈insurance claims保险索赔insurance coverage保险类别insurance function保险功能insurance policy保险单intangible assets⽆形资产intangible benefit⽆形权益intellectual property right知识产权intelligence gathering情报收集intentional or grossly negligent act故意的或严重疏忽的作为interest and fee income利息和收费收⼊interest component of scheduled payments排定进度付款的利息部分interest rate spreads利差interest rate swaps利率掉期interim real estate financing不动产过渡性融资interim rent暂⾏租⾦（在租⾦⾸付⽇应付的租⾦）intermediate twin-aisle中程双过道（指飞机）internal preference（所披露的信息严重扭曲时的）内部参考international financial leasing of equipment国际设备融资租赁international leasing community国际租赁界international registration requirement plan（飞机的）国际登记计划要求internationalization国际化Internet互联⽹interperiod tax allocation各期之间的税收分配invasion侵犯inventory盘存、存货清册investment company投资公司investment grade credit rating投资等级信⽤评级investment return投资回报investors投资⼈invoice发票IOSCO(International Organization of Securities Commissions)证券委员会国际组织IRC（Internal Revenue Code）（美国）国内税收法irrevocable不可撤销的IRS(Internal Revenue Service)(美国)国内税务局issue notes出⽴票据issuer发⾏⼈IT assets信息技术资产item项⽬job qualification sheet职业资格证judge法官judgement裁决judicial arena司法场所judicially-assisted repossession司法协助重新占有junk bonds垃圾债券jurisdictions司法管辖区label标记landing gear（飞机的）起落架landing着陆language（合同中的）⽤语large ticket asset⼤额资产lease application租赁申请lease fee租赁费（对租⾦中所含收益部分的形容）lease for movables动产租赁协议lease inception起租⽇lease intended as security担保意向租赁lease liabilities租赁负债lease lines of credit租赁信贷限额lease manager租赁协议管理⼈lease portfolio租赁协议组合lease registry租赁协议登记lease tax租赁税lease termination payment（为）提前结束（租赁协议⽽作的）⽀付lease term租赁期限lease versus purchase租还是买leased assets租赁资产leased equipment 租赁设备leased items租赁物件leased property租赁财产leasehold租赁、租借lease-in/lease-out（美国特有的为享受税收待遇⽽在美国企业同外国企业之间订⽴的）租⼊租出租赁协议lease-purchase financing租购融资leases租赁协议Leaseurope欧洲租赁协会leasing activities租赁业务leasing agreement租赁协议leasing arrangement租赁安排leasing company租赁公司leasing professionals租赁专业⼈员leasing regulation对租赁的管制leasing systems（⼿⼯的或电脑的）租赁业务管理系统leasing's share of GDP租赁占国内⽣产总值的份额leasing租赁legal arrangement法律安排legal consequences法律后果legal entity法⼈legal fees法律费legal form法律形式legal issue法律课题legal ownership法定所有权legal owner法定所有权⼈legal right法定权利legal risk法律风险legal status法律地位legal title法定所有权legal treatment法律处理legally empowered法律授权的legitimate business purpose合法的营业⽬的lenders放款⼈lenient terms宽松条款lessee intent承租⼈的意向lessee承租⼈lessor's internal staff出租⼈的内部⼈员lessor出租⼈letter of credit信⽤证level of collateral抵押⽔平leverage borrowings杠杆借款leverage ratio资本充⾜率leveraged lease杠杆租赁levy扣押liabilities负债liberal depreciation rules⾃由折旧规则license特许licensing agreements许可证协议licensing of lease activity对租赁业务的许可lien date留置⽇lien留置权life-limited parts（飞机上）限制其使⽤⼩时的部件limitation of liability责任限度limited ability有限能⼒limited liability company有限责任公司liquidated damage损失赔偿⾦liquidator 清算⼈liquidity facility流动性融通liquidity support流动性⽀持liquidity现⾦⽀付能⼒litigation诉讼loans disguised as leases伪装成租赁的贷款loan-type financing贷款型融资loan贷款lobby effort游说努⼒local law当地法律local statues当地法规local tax地⽅税location所在地lock box account锁箱账户lock box collection and sweep arrangement（银⾏的）锁箱和⾃动转存安排locomotive（铁路）机车long term rental contract长期出租合同loss containment亏损防堵loss ratio赔付率losses损失lost sales losses出租⼈为了再处置收回的租赁物⽽失去出租新的租赁物的机会所带来的损失MACRS depreciation（美国的）加速成本回收的折旧maintain reserves（飞机租赁中承租⼈承担的）保养准备⾦maintenance contract维修保养合同maintenance interval（飞机发电机的）维修间隔期maintenance policies and procedures保养⽅针及程序make-whole premium凑整升⽔managerial reporting risk（财务报告导致的）管理层报告的风险manipulation of accounting principles对会计准则的巧妙运⽤manufacturer subsidy（来⾃）制造商（的）补贴marginal tax rate边际税率market friction市场摩擦market imperfection市场的不完善market participants市场参与者market penetration市场渗透率market rates of interest市场利率market share市场份额market size市场规模market stability市场稳定性marketplace市场环境master lease illustration租赁协议正⽂master lease主租赁协议material facts重要事实maturity到期⽇means⼿段measurement criteria衡量标准mechanism机制memory function备忘功能mercantile-type sale商业性销售merchantability适销性(经营租赁协议中的暗⽰保证)merges合并merit review process事实真相检查程序middle-market leasing中级市场租赁MIGA（Multilateral Investment Guarantee Agency）多边投资担保署minimum capital最低资本minimum lease payments receivable应收最⼩租赁付款minimum lease terms最短租赁期限minimum rental rate最低租⾦费率mirror-in/mirror-out principle（飞机返还时的维修状况同交付时）⼀模⼀样的原则mismatches不匹配mitigate缓解（风险）mobility移动性model模式modem“猫”（调制解调器）modification 更改monetary policy货币政策money-over-money lease钱到钱的租赁（租赁业内对融资租赁的俗称）monitoring监控monoline insurer单⼀险种保险⼈monopolies垄断部门monopoly垄断month-to-month rentals（期满但租赁物未退还时的）逐⽉收取的租⾦moratorium延缓履⾏mortgage loan placement抵押贷款安排motor carrier fee机动车费MPD(maintenance planning document)维修计划书MRI(magnetic resonance imaging)核磁共振成象multiple jurisdiction涉及多个司法管辖区的multi-years lease commitment多年的租赁款项承付municipal trade tax地⽅贸易税named owner指名的所有权⼈narrative report陈述式报告narrow-body aircraft窄机⾝飞机nascent幼稚的national independent full-service leasing rental firms全国性的独⽴全⾯服务租赁出租公司nationality国籍NCCUSL（The National Conference of Commissioners on Uniform State Laws）（美国）统⼀州法律委员会全国会议negligence 过失nenrenewal penalties期末若不留购或不续租时的罚⾦net cash investment outstanding 净现⾦出资余额net collectible value可回收净额net earnings净收益net financed assets已融资资产净额net gain on sale of financing transactions融资交易出售的净利得net investment outstanding净出资余额net lease净租赁（指不附带任何技术服务的租赁）net margin净收益net of deferred taxes递延所得税后净额net taxable income净应税收⼊net value净值net worth tax净财富税network connection device⽹络联接器件networks⽹络new product family新产品系列niche market可填补空缺的市场noise 噪声nominal price 名义价格nominal purchase option名义价格购买任择权non-accrual status不应计的状态non-appropriation不得挪⽤non-cancellable lease不可撤销的租赁协议non-conforming equipment不合格设备non-contracting states⾮缔约国nondebt interest⾮债务利益non-delivery未交付nonexclusive remarketing firms综合性再处置公司nonexistent不存在的non-full-payout⾮全额⽀付nonlabeled program(卖主同出租⼈各归各的)销售计划nonoperating leasing⾮经营租赁non-ownership for balance sheet不在资产负债表上资本化nonpossessory pledge⾮占有的抵押non-recourse sale of lease receivable对租赁应收款的⽆追索出售non-substitution clause不得替代条款nontax lease⾮税收租赁(指附条件销售，其中承租⼈被视为税收所有权⼈，可对租赁资产计提折旧) normal depreciable life正常可折旧寿命normal lease常规租赁normal terminations正常结束notarization公证⼈的公证notary system公证制度notes secured by equipment设备抵押票据notice of termination终⽌（租赁的）通知number of lease payments租赁付款次数objection拒绝obligations债务obligopolies受权专营部门obligor债务⼈obsolescence陈旧occasional sales exemption偶然销售豁免OEC(original equipment cost)设备原值off balance sheet financing表外融资off-balance sheet securitizations资产负债表外证券化offering and sale发售和出售official tax depreciation tables官⽅（制订的）税收折旧表off-lease equipment退租设备offsetting claims抵销请求权omission 不作为on-condition parts（飞机上）根据具体情况决定可否使⽤的部件one-off program（卖主的对谁都⼀样的）统⼀销售计划one-stop shopping⼀站式采购one-way consumer truck rental business单程客户载重汽车出租业务operating expense事业费operating leases经营租赁协议operating leasing经营租赁operational efficiency经营效率OPIC(Oversea Private Insurance Corporation)海外私⼈保险公司option to buy 购买任择权option to purchase购买任择权option to renewal续租任择权options期权ordinary course常规过程ordinary trusts普通信托organizational documents机构⽂件original collateral初始抵押品original lease value租赁原值originating lessor作为发起⼈的出租⼈originator发起⼈out-bound big-ticket leasing⼤宗出⼝租赁outpatient clinic门诊诊所outright purchase直接购买outright sale直销outsourcing外包overcollateralization超额提供抵押overhaul检修owner trust所有者信托owner 所有者ownership interest所有权权益ownership leases所有权租赁（对融资租赁实质的形容）ownership retention所有权的保留ownership所有权packaging包装parameter参数parent母公司participants参与者particular withholding tax特殊预提税partnership合伙企业partners合作伙伴parts sale（再处置中的）部件出售parts 部件party identification对当事⽅的认定passive investment trust被动投资信托pass-through entity传递实体pattern 模式payee受款⼈payment amount⽀付⾦额payment due已到期应付款payment of rentals租⾦⽀付payors付款⼈pay-through note定付 (证券)peculiar tax shelter provision of liquidation proceeds对请算得款的特定的避税规定penetration渗透per se corporations本质上的公司percentage of sales销售额的百分⽐perfection完善、保全performance业绩、履⾏periodic rate of return 期回报率peripheral（电脑的）外部设备permanent funding activities长期资⾦融通⽅式permanent funding vehicles长期性的融资⼯具permission允许permit执照personal property leasing动产租赁personal property tax动产税personal resume个⼈简历perspective（看问题的）⾓度physical deterioration物理性能的退化piercing the corporate veil捅破公司的⾯纱place of taxation纳税地placement放置capital goods, plants or other equipment (the equipment) 不动产、⼚场或其它设备（设备）players参与者pledge资产抵押polarization（将⽬标市场定位于某类规模客户的）极化policy of insurance保险单portfolio concentration组合（中的设备类型的）集中程度portfolio(投资)组合possession占有potential conflict潜在冲突potential impairment潜在减损power by the hour leases按每⽉使⽤⼩时⽀付租⾦的租赁power generation发电power transmission（电、⽓、热的）能源传输practitioner从业者predetermined period事先确定了的期间preestablished floor预先设定的底价preface前⾔prefund先⾏融资prejudgment property recovery在法院裁决前先收回财产prejudice损害premium保费pre-paid lease payments预付的租赁付款present transfer即时转移present values现值preservation of exist bank line现有银⾏信贷额度的保留presumption推论pretax rate税前利率preventive maintenance预防性保养price/performance curve性能价格曲线prices indices价格指数pricing quandary定价上的左右为难pricing risk定价风险pride of ownership对所有权的满⾜感primary servicer主服务者prime interest rate基本利率principal office and place主营业地principal本⾦printer打印机prior written consent预先的书⾯同意prior written notice预先的书⾯通知priorities优先权private and public私⼈的或公共的private carriers私⼈运送⼈private international law国际私法private placement（对）特定对象（直接）销售private-label program（卖主同出租⼈联⼿的）销售计划privatization私有化probability概率proceedings pending未决程序proceeds进款process nexus程序关系product产品profit generation利润产⽣profitable operation可营利地运⽤profit-making hospital营利性医院program risk规划风险project finance项⽬融资project risk项⽬风险projected performance所规划的业绩promise承诺pronouncement公告property tax财产税proportionate fraction成⽐例的部分proprietary hospital业主医院pros and cons有利有弊prospectus章程provisioning提取准备⾦provisions条款proxy代理prudential norms relevant to leasing 涉及租赁的审慎性标准PTT(postal and communication entities)邮电部门public control公有public deficit财政⾚字public deposit公众存款public distribution公开配售public hearing公开听证public limited companies(在多数的⼤陆法系国家或地区内的)公共有限公司public offering公开发售public works市政⼯程。
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合同编号：20 年委借字第号Contract No.: Y20 Entrusted Loan No.:一般委托贷款借款合同General Entrusted Loan Contract特别提示：本合同系各方在平等、自愿的基础上依法协商订立，所有合同条款均是各方意思的真实表示。
为维护委托人、借款人的合法权益，受托人特提请委托人、借款人对有关各方权利义务的全部条款、特别是黑体部分内容予以充分注意。
Important notice: The contract is legally made and entered into by each party on the principle of equality and free will. All articles of the contract reflect true intentions of the parties. In order to protect the legal rights of the entruster and borrower, the entrustee reminds the entruster and borrower to be adequately cognizant of all articles concerning the parties’ rights and obligations, especially those in black (bold).本合同由以下三方于2012 年2 月1 日签署：The contract is signed by three parties below at February 1st, 2012.委托人：Entruster:名称法定代表人Name: Legal Representative:地址邮编：Address: Post Code:联系人：联系电话：Contact Person: Tel:受托人：Entrustee:名称负责人Name: Responsible Person:地址：邮编：Address: Post Code:联系人：联系电话：Contact Person: Tel:借款人：Borrower:名称法定代表人Name: Legal Representative:地址：邮编：Address: Post Code:联系人：联系电话：Contact Person: Tel:根据委托人和受托人于2012 年 2 月 1 日签署的《一般委托贷款委托代理协议》（编号），并应借款人请求，受托人同意接受委托人的委托向借款人发放该项委托贷款。
委托人、受托人与借款人经友好协商，达成以下协议，并共同遵守。
According to The Agency Agreement of General Entrusted Loan (No.: )on February 1st, 2012 by the entruster and the entrustee, the entrustee agrees to accept the entrustment by the entruster and release such loan to the borrower at the borrower’s request. The entruster, the entrustee and the borrower have reached the following agreement to be abided by the parties after friendly negotiation.第一章一般委托贷款的金额、利率、期限及其它Article1 Amount, Interest Rate, Maturity Date and Other Terms of the General Entrusted Loan第一条贷款币种和金额。
此项委托贷款币种为人民币，金额为（大写）陆百万元（小写）￥6,000,000.00 （大小写不一致时，以大写为准，下同）。
此项贷款为委托贷款。
Item1 Currency and amount of loan. The entrustment loan is denominated in Renminbi, with an amount of six million i.e.￥6,000,000.00, (where the words and the figures indicate different amount, the words shall prevail, this rule shall apply hereinafter). The loan is an entrustment loan.第二条贷款利率。
本项委托贷款的利率按下列方式（1）确定：Item2 Interest rate of loan. The interest rate will be determined by the following ways of (1):（1）年利率为0 %的固定利率，在贷款期限内保持不变。
Annual interest rate is a fixed rate of 0% and remains the same within life of loan.（2）按借款人提款日中国人民银行公布的对应期限档次贷款基准利率/ （上浮/下浮/零）/ %确定。
中国人民银行调整贷款基准利率的，本合同项下贷款利率同步调整。
借款利率以/ （1/3/6/12）个月为一期，一期一调整，分段计息。
The interest rate will be determined by referring to the benchmark interest rate for loans with corresponding term at the date of withdrawal issued by PBOC plus (+/-/0) / %. If PBOC adjusts the benchmark interest rate for loans, the interest rate of this contract shall change accordingly. The interest rate of loan shall be settled each / （1/3/6/12）months, as one phase, and any adjustment to the interest rate shall also be applicable to the corresponding phase.第三条贷款计结息。
本项委托贷款按日计息，按/（月/季/年）结息，按月结息的，结息日为每月的20日，按季/年结息的，结息日为每季/年末月的20日。
到期未付的贷款利息，受托人向借款人/ （计收/不计收）复利，计收复利的，按本合同约定的逾期贷款罚息利率计收。
Item3 Interest calculation and settlement. The interest of loan in the contract will be accrued on daily basis and settled by / (month/quarter/year), where the interest is settled by month, the date of settlement shall be the 20th day of each month; where the interest is settled by quarter/year, the date of settlement shall be the 20th day of the last month of the applicable quarter/year. Where the borrower fails to pay the loan interest on time, the entrustee will / (charge/not charge) compound interest; and where the entrustee charges compound interest, the compound interest shall be based upon the default interest rate agreed in the contract.第四条贷款期限。
本项委托贷款的期限为个月，自起至止。
如借款人在经委托人同意之后提前归还此项贷款时，则按实际用款天数和用款金额计收利息。
Item4 Maturity Date. The term of the loan shall be months from to . Where the borrower prepays the loan upon approval by the entruster, it shall pay interest based on the actual days of usage and amount of loan used.第五条贷款用途。
本合同项下委托贷款用途为专项用于企业短期流动资金，做到转账管理，单账核算，专款专用，不用于企业项目建设。
Item5 Purpose of loan. The entrustment loan shall be used solely as short-term working capital for the enterprise, the management of which shall only through wire transfer and recorded separately. It is not allowed to use the loan in company construction projects.第六条用款计划。
/Item6 Loan use schedule. /第七条贷款偿还。
借款人的还款计划和还款方式约定如下：到期一次性还款本贷款的本息按期由借款人汇入委托人指定的账户。
Item7 Repayment of loan. Repayment schedule and method by borrower is agreed as follows: repay ALL the loan upon expiration of the loan term, the principal and interest of this loan shall be remitted on time to the designated account of entruster by the borrower.第八条贷款担保。