金融方面英语
金融词汇汇集
big macs,big/large-cap stock,mega-issue 大盘股offering,list 上市
bourse 证交所
corporate champion 龙头企业
Shanghai Exchange 上海证交所
pension fund 养老基金
mutual fund 共同基金
hedge mutual fund 对冲式共同基金
share 股票
valuation 股价
underwriter 保险商
government bond 政府债券
saving account 储蓄帐户
equity market 股市
shareholder 股东
delist 摘牌
mongey-loser 亏损企业
inventory 存货
traded company,trading enterprise 上市公司stakeholder 利益相关者
transparency 透明度
Msnbc:Microsoft national broadcast 微软全国广播公司market fundamentalist 市场经济基本规则
damage-contral machinery 安全顾问
efficient market 有效市场
intellectual property 知识产权
opportunistic practice 投机行为
WorldCom 世通公司
bribery 行贿
entrepreneur 企业家
cook the book 做假帐
regulatory system 监管体系
audit 审计
accounting firm 会计事务所
Great Depression 大萧条
portfolio 投资组合
money-market 短期资本市场
capitual-market 长期资本市场
volatility 波动
diversification 多元化
commodity 期货
real estate 房地产
option 期权
call option 看涨期权
put option 看跌期权
merger 并购
arbitrage 套利
Securities&Exchange Commission 〈美〉证券交易委员会dollar standard 美元本位制
flight 贬值
budget 预算
deficit 赤字
bad debt 坏帐
output 产值
macroeconomic 宏观经济
fiscal stimulus 财政刺激
a store of value 保值
transaction currency 结算货币forward exchange 期货交易intervention currency 干预货币Treasury bond 财政部公债
currnt-account 经常项目
pickup in rice 物价上涨
Federal Reserve 美联储
inflation 通货膨胀
deflation 通货紧缩
tighter credit 紧缩信贷
monetary policy 货币政策
awash in excess capacity 生产力过剩foreigh exchange 外汇
spot transaction 即期交易
forward transaction 远期交易
option forward transaction 择期交易swap transaction 调期交易
quote 报价
settlment and delivery 交割
buying rate 买入价
selling rate 卖出价
spread 差幅
contract 合同
at par 平价
premium 升水
discount 贴水
direct quoation method 直接报价法indirect quoation method 间接报价法dividend 股息
domestic currency 本币
floating rate 浮动利率
parent company 母公司
credit swap 互惠贷款
venture capital 风险资本
virtual value 虚拟价值
physical good 物质产品
abstract good 抽象产品
Patent&Trademark Office 专利与商标局book value 帐面价值
physical capital 实际资本
IPO:initial public offering 新股首发
job machine 就业市场
welfare capitalism 福利资本主义
collective market cap 市场资本总值
golbal corporation 跨国公司
transnational status 跨国优势
transfer price 转让价格
General Accounting Office 〈美〉会计总会consolidation 兼并
leveraged 杠杆
会计用语词汇
Accounting system 会计系统
American Accounting Association 美国会计协会American Institute of CPAs 美国注册会计师协会
Audit 审计
Balance sheet 资产负债表
Bookkeepking 簿记
Cash flow prospects 现金流量预测
Certificate in Internal Auditing 内部审计证书
Certificate in Management Accounting 管理会计证书Certificate Public Accountant注册会计师
Cost accounting 成本会计External users 外部使用者Financial accounting 财务会计
Financial Accounting Standards Board 财务会计准则委员会
Financial forecast 财务预测
Generally accepted accounting principles 公认会计原则General-purpose information 通用目的信息Government Accounting Office 政府会计办公室
Income statement 损益表
Institute of Internal Auditors 内部审计师协会
Institute of Management Accountants 管理会计师协会Integrity 整合性
Internal auditing 内部审计
Internal control structure 内部控制结构
Internal Revenue Service 国内收入署
Internal users 内部使用者
Management accounting 管理会计
Return of investment 投资回报
Return on investment 投资报酬
Securities and Exchange Commission 证券交易委员会Statement of cash flow 现金流量表
Statement of financial position 财务状况表
Tax accounting 税务会计
Accounting equation 会计等式
Articulation 勾稽关系
Assets 资产
Business entity 企业个体
Capital stock 股本
Corporation 公司Cost principle 成本原则
Creditor 债权人
Deflation 通货紧缩
Disclosure 批露
Expenses 费用
Financial statement 财务报表
Financial activities 筹资活动
Going-concern assumption 持续经营假设
Inflation 通货膨涨
Investing activities 投资活动
Liabilities 负债
Negative cash flow 负现金流量
Operating activities 经营活动
Owner's equity 所有者权益
Partnership 合伙企业
Positive cash flow 正现金流量
Retained earning 留存利润
Revenue 收入
Sole proprietorship 独资企业
Solvency 清偿能力
Stable-dollar assumption 稳定货币假设Stockholders 股东
Stockholders' equity 股东权益
Window dressing 门面粉饰
Account 帐
金融词汇翻译
acquiring company 收购公司
bad loan 呆帐
chart of cash flow 现金流量表
clearly-established ownership 产权清晰
debt to equity 债转股
diversity of equities 股权多元化
economy of scale 规模经济
emerging economies 新兴经济
exchange-rate regime 汇率机制
fund and financing 筹资融资
global financial architecture 全球金融体系global integration, globality 全球一体化，全球化go public 上市
growth spurt （经济的）急剧增长have one's "two commas" 百万富翁
hedge against 套期保值
housing mortgage 住房按揭
holdings 控股，所持股份
holding company 控股公司
initial offerings 原始股
initial public offerings 首次公募
innovative business 创新企业
intellectual capital 智力资本
inter-bank lending 拆借
internet customer 网上客户
investment payoff period 投资回收期
joint-stock 参股
mall rat 爱逛商店的年轻人
means of production 生产要素
(the)medical cost social pool for major diseases 大病医疗费用社会统筹
mergers and acquisitions 并购
mobile-phone banking 移动电话银行业moods 人气
net potato 网虫
non-store seling 直销
offering 新股
online-banking 网上银行业
online-finance 在线金融
online client （银行的）网上客户paper profit 帐面收益
physical assets 有形资产
project fund system 项目资本金制度pyramid sale 传销
recapitalize 资产重组
regional corrency blocks 地区货币集团regulate 调控
sell off 变现
share(stock) option 期权，股票认购权smart card 智能卡
slash prices 杀价
spare capacity 闲置的生产能力
strong growth 强劲的增长势头
switch trade 转手贸易
take…public上市
tap the idle assets 盘活存量资产transaction （银行的）交易
transfer payment from the exchequer
财政转移支付
venture-capital 风险资本
virtual bank 虚拟银行
wire transfer 电子转帐
金融词汇术语
A
安全网safety net
按可比口径on comparable basis
按轻重缓急to prioritize
暗补implicit subsidy
暗亏hidden loss
B 颁发营业执照to license;to grant a licence to
办理存款业务to take deposits
保护农民的生产积极性to protect farmers'incentive to
produce
备付金（超额准备金）excess reserves
本外币并账consolidation of domestic and foreign
currencyaccounts
本外币对冲操作sterilization operation
本位利益localized interest;departmentalism
奔小康to strive to prosper;to strive to become well-to-do
避税（请见“逃税”）tax avoidance
币种搭配不当currency mismatch
币种构成currency composition
变相社会集资disguised irregular（or illegal）fund raising 表外科目（业务）off-balance-sheet items（operation）
薄弱环节weaknesses;loopholes
不变成本fixed cost
不变价at constant price;in real terms
不动产real estate
不良贷款（资产）problem loans；non-performing loans （assets）
C
财务公司finance companies
财政赤字fiscal deficit
财政挤银行fiscal pressure on the central bank（over monetary policy）
财政政策与货币政策的配合coordination of fiscal and monetary policies
采取循序渐进的方法in a phased and sequenced manner
操作弹性operational flexibility
操纵汇率to manipulate exchange rate
产品构成product composition;product mix
产品积压stock pile;excessive inventory
产销率current period inventory;（即期库存，不含前期库存）sales/output ratio
产销衔接marketability
产业政策industrial policy
长期国债treasury bonds
敞口头寸open position
炒股to speculate in the stock market
承购包销underwrite（securities）
成套机电产品complete sets of equipment;complete plant（s）
城市信用社urban credit cooperatives（UCCs）
城市合作银行urban cooperative banks;municipal united banks
城市商业银行municipal commercial banks
城乡居民收入增长超过物价涨幅real growth in
household income
持续升温persistent overheating
重复布点duplicate projects
重置成本replacement cost
重组计划restructuring plan
筹资渠道funding sources;financ ing channels
初见成效initial success
出口统一管理、归口经营canalization of exports
出口退税export tax rebate
储蓄存款household deposits（不完全等同于西方的savingsdeposits，前者包括活期存款，后者不包括。）
储蓄分流diversion of household deposits
储源萎缩decline in the availability of household savings 传导机制transmission mechanism
从价税ad valorem tax
从紧控制tight control
存贷款比例loan/deposit ratio
存款保险体系deposit insurance system
存款货币银行deposit money banks
存款准备金required reserves
D
打白条issue IOU
大额存单certificate of deposit（CD）
大额提现withdraw deposits in large amounts
大面积滑坡wide-spread decline
大一统的银行体制（all-in-one）mono-bank system
呆账（请见“坏账”）bad loans
呆账准备金loan loss reserves（provisions）
呆滞贷款idle loans
贷款沉淀non-performing loans
贷款分类loan classification
贷款限额管理credit control;to impose credit ceiling
贷款约束机制credit disciplinary（constraint）mechanism 代理国库to act as fiscal agent
代理金融机构贷款make loans on behalf of other
institutions
戴帽贷款ear-marked loans
倒逼机制reversed transmission of the pressure for easing monetary condition
道德风险moral hazard
地区差别regional disparity
第一产业the primary industry
第二产业the secondary industry
第三产业the service industry;the tertiary industry
递延资产deferrable assets
订货不足insufficient orders
定期存款time deposits
定向募集raising funds from targeted sources
东道国（请见“母国”）host country 独立核算independent accounting
短期国债treasury bills
对冲操作sterilization operation;hedging
对非金融部门债权claims on non-financial sector
多种所有制形式diversified ownership
E
恶性通货膨胀hyperinflation
二级市场secondary market
F
发行货币to issue currency
发行总股本total stock issue
法定准备金required reserves;reserve requirement
法人股institutional shares
法人股东institutional shareholders
法治rule of law
房地产投资real estate investment
放松银根to ease monetary policy
非现场稽核off-site surveillance（or monitoring）
非银行金融机构non-bank financial institutions
非赢利性机构non-profit organizations
分税制assignment of central and local taxes;tax assignment system
分业经营segregation of financial business （services）;division of business scope based on the type of financial institutions
风险暴露（风险敞口）risk exposure
风险管理risk management
风险意识risk awareness
风险资本比例risk-weighted capital ratios
风险资本标准risk-based capital standard
服务事业收入public service charges;user's charges
扶贫poverty alleviation
负增长negative growth
复式预算制double-entry budgeting;capital and current budgetary account
G
改革试点reform experimentation
杠杆率leverage ratio
杠杆收购leveraged buyout
高息集资to raise funds by offering high interest
个人股non-institutional shares
根本扭转fundamental turnaround（or reversal）
公开市场操作open market operations
公款私存deposit public funds in personal accounts
公用事业public utilities
公有经济the state-owned sector;the public sector
公有制public ownership
工业成本利润率profit-to-cost ratio
工业增加值industrial value added
供大于求supply exceeding demand;excessive supply
鼓励措施incentives
股份合作企业joint-equity cooperative enterprises
股份制企业joint-equity enterprises
股份制银行joint-equity banks
固定资产贷款fixed asset loans
关税减免tariff reduction and exemption
关税减让tariff concessions
关税优惠tariff incentives;preferential tariff treatment
规范行为to regularize（or standardize）…behavior
规模效益economies of scale
国计民生national interest and people's livelihood
国家对个人其他支出other government outlays to
individuals
国家风险country risk
国际分工international division of labor
国际收支balance of payments
国有独资商业银行wholly state-owned commercial banks 国有经济（部门）the state-owned（or public）sector
国有企业state-owned enterprises（SOEs）
国有制state-ownership
国有资产流失erosion of state assets
国债回购government securities repurchase
国债一级自营商primary underwriters of government
securities
过度竞争excessive competition
过度膨胀excessive expansion
过热迹象signs of overheating
H
合理预期rational expectation
核心资本core capital
合资企业joint-venture enterprises
红利dividend
宏观经济运营良好sound macroeconomic performance
宏观经济基本状况macroeconomic fundamentals
宏观调控macroeconomic management（or adjustment）宏观调控目标macroeconomic objectives（or targets）
坏账bad debt
还本付息debt service
换汇成本unit export cost;local currency cost of export earnings
汇兑在途funds in float
汇兑支出advance payment of remittance by the
beneficiary's bank
汇率并轨unification of exchange rates
活期存款demand deposits
汇率失调exchange rate misalignment 混合所有制diversified（mixed）ownership
货币政策态势monetary policy stance
货款拖欠overdue obligations to suppliers
J
基本建设投资investment in infrastructure
基本经济要素economic fundamentals
基本适度broadly appropriate
基准利率benchmark interest rate
机关团体存款deposits of non-profit institutions
机会成本opportunity cost
激励机制incentive mechanism
积压严重heavy stockpile;excessive inventory
挤提存款run on banks
挤占挪用unwarranted diversion of（financial）resources （from designated uses）
技改投资investment in technological upgrading
技术密集型产品technology-intensive product
计划单列市municipalities with independent planning status 计划经济planned economy
集体经济the collective sector
加大结构调整力度to intensify structural adjustment
加工贸易processing trade
加快态势accelerating trend
加强税收征管稽查to enhance tax administration
加权价weighted average price
价格放开price liberalization
价格形成机制pricing mechanism
减亏to reduce losses
简化手续to cut red tape;to simplify（streamline）procedures 交投活跃brisk trading
缴存准备金to deposit required reserves
结构扭曲structural distortion
结构失调structural imbalance
结构性矛盾突出acute structural imbalance
结构优化structural improvement（optimization）
结汇、售汇sale and purchase of foreign exchange
金融脆弱financial fragility
金融动荡financial turbulence
金融风波financial disturbance
金融恐慌financial panic
金融危机financial crisis
金融压抑financial repression
金融衍生物financial derivatives
金融诈骗financial fraud
紧缩银根to tighten monetary policy
紧缩政策austerity policies;tight financial policies
经常账户可兑换current account convertibility
经济特区special economic zones（SEZs）
经济体制改革economic reform
经济增长方式的转变change in the main source of economic growth（from investment expansion to efficiency gains）
经济增长减速economic slowdown;moderation in economic growth
经济制裁economic sanction
经营自主权autonomy in management
景气回升recovery in business activity
境外投资overseas investment
竞争加剧intensifying competition
局部性金融风波localized（isolated）financial disturbance
K
开办人民币业务to engage in RMB business
可维持（可持续）经济增长sustainable economic growth 可变成本variable cost
可自由兑换货币freely convertible currency
控制现金投放control currency issuance
扣除物价因素in real terms;on inflation-adjusted basis
库存产品inventory
跨国银行业务cross-border banking
跨年度采购cross-year procurement
会计准则accounting standard
L
来料加工processing of imported materials for export
离岸银行业务off-shore banking（business）
理顺外贸体制to rationalize foreign trade regime
利率杠杆的调节作用the role of interest rates in resource allocation
利润驱动profit-driven
利息回收率interest collection ratio
联行清算inter-bank settlement
连锁企业franchise（businesses）;chain businesses
良性循环virtuous cycle
两极分化growing income disparity;polarization in income
distribution
零售物价指数retail price index（RPI）
流动性比例liquidity ratio
流动资产周转率/流通速度velocity of liquid assets
流动资金贷款working capital loans
流通体制distribution system
流通网络distribution network
留购（租赁期满时承租人可购买租赁物）hire purchase 垄断行业monopolized industry（sector）
乱集资irregular（illegal）fund raising
乱收费irregular（illegal）charges
乱摊派unjustified（arbitrary）levies
M 买方市场buyer's market
卖方市场seller's market
卖出回购证券matched sale of repo
贸易差额trade balance
民间信用non-institutionalized credit
免二减三exemption of income tax for the first two years ofmaking profit and 50% tax reduction for thefollowing three years
明补explicit subsidy
明亏explicit loss
名牌产品brand products
母国（请见“东道国”）home country
N
内部控制internal control
内部审计internal audit
内地与香港the mainland and Hong Kong
内债domestic debt
扭亏为盈to turn a loss-making enterprise into a profitable one
扭曲金融分配distorted allocation of financial resources
农副产品采购支出outlays for agricultural procurement
农村信用社rural credit cooperatives（RCCs）
P
泡沫效应bubble effect
泡沫经济bubble economy
培育新的经济增长点to tap new sources of economic growth
片面追求发展速度excessive pursuit of growth
平衡发展balanced development
瓶颈制约bottleneck（constraints）
平稳回升steady recovery
铺底流动资金initial（start-up）working capital
普遍回升broad-based recovery
配套改革concomitant（supporting）reforms
配套人民币资金local currency funding of…
Q
企业办社会enterprises burdened with social responsibilities
企业集团战略corporate group strategy
企业兼并重组company merger and restructuring
企业领导班子enterprise management
企业所得税enterprise（corporate）income tax
企业效益corporate profitability
企业资金违规流入股市irregular flow of enterprise funds into the stock market
欠税tax arrears
欠息overdue interest
强化税收征管to strengthen tax administration
强制措施enforcement action
翘尾因素carryover effect
切一刀partial application
清理收回贷款clean up and recover loans
（破产）清算liquidation
倾斜政策preferential policy
区别对待differential treatment
趋势加强intensifying trend
全球化globalization
权益回报率returns on equity（ROE）
缺乏后劲unsustainable momentum
R
绕规模贷款to circumvent credit ceiling
人均国内生产总值per capita GDP
人均收入per capita income
人民币升值压力upward pressure on the Renminbi （exchange rate）
认缴资本subscribed capital
软贷款soft loans
软预算约束soft budget constraint
软着陆soft landing
S
三角债chain debts;inter-enterprise arrears
善政廉政good governance
商业贷款commercial loans
上市公司（publicly）listed corporations
设备利用capacity utilization
社会保障social safety net;social security（insurance）
深层次矛盾deep-rooted structural imbalance
审批金融机构to license financial institutions
审慎监管prudential supervision
生产能力闲置unutilized capacity
生息资产interest-bearing assets
实际利用外资disbursement of foreign capital;actual inflow of foreign investment
实际有效汇率real effective exchange rate
实时real time
实收资本paid-in capital
实现利润realized profit
市场分割market segmentation
市场经济market economy
市场占有率（市场份额）market share
市场准入market access（指商品和劳务的进入）；market entry（指机构的审批）
市价总值market capitalization
适度从紧appropriately tight
适时调节timely adjustment 收回对金融机构贷款to recall central bank loans （to financial institutions）
税后还贷amortization（repayment of loans）after tax
税收流失tax erosion
税源不足weak tax base
私营经济（私人经济）the private sector
私有制private ownership
所有者权益owner's equity
T
逃税（请见“避税”）tax evasion
套汇（1）指合法：currency swap;arbitrage（2）指非法：illegal purchase of foreign exchange
剔除季节性因素seasonally adjusted
调节流动性to influence liquidity level
贴现窗口discount window
同比on year-on-year basis;over the same period of the previous year
同业拆借（放）inter-bank borrowing（lending）
同业拆借市场利率（中国）CHIBOR（China inter-bank offered rate）
同业融通票据inter-bank financing bills
同业往来inter-bank transactions
透支overdraft
退税tax refund（rebate）
头寸position
吞吐基础货币adjustment of monetary base
脱媒现象disintermediation
W
外部审计external audit
外国直接投资foreign direct investment （FDI）
外汇储备foreign exchange reserves
外汇调剂foreign exchange swap
外汇占款the RMB counterpart of foreign exchange
reserves;the RMB equivalent of offcial foreign exchange
holdings
外向型经济export-oriented economy
外债external debt
外资企业foreign-funded enterprises
完善现代企业制度to improve the modern enterprise
system
完税凭证tax payment documentation
违法经营illegal business
委托存款entrusted deposits
稳步增长steady growth
稳健的银行系统 a sound banking system
稳中求进to make progress while ensuring stability
无纸交易book-entry（or paperless/scriptless）transaction 物价监测price monitoring
X
吸纳流动性to absorb liquidity
稀缺经济scarcity economy
洗钱money laundering
系统内调度fund allocation within a bank
系统性金融危机systemic financial crisis
下岗工人laid-off employees
下游企业down-stream enterprises
现场稽核on-site examination
现金滞留（居民手中）cash held outside the banking system 乡镇企业township and village enterprises（TVEs）
消费物价指数consumer price index（CPI）
消费税excise（consumption）tax
消灭财政赤字to balance the budget;to eliminate fiscal
deficit
销货款回笼reflow of corporate sales income to the banking system
销售平淡lackluster sales
协议外资金额committed amount of foreign investment
新经济增长点new sources of economic growth
新开工项目new projects;newly started projects
新增贷款incremental credit; loan increment; credit growth; credit expansion
新增就业位置new jobs;new job opportunities
信贷规模考核review the compliance with credit ceilings
信号失真distorted signals
信托投资公司trust and investment companies
信息不对称information asymmetry
信息反馈feedback（information）
信息共享系统information sharing system
信息披露information disclosure
信用扩张credir expansion
信用评级credit rating
姓“资”还是姓“社”pertaining to socialism or
capitalism;socialist orcaptialist
行政措施administrative measures
需求膨胀demand expansion; excessive demand
虚伪存款window-dressing deposits
削减冗员to shed excess labor force
寻租rent seeking
迅速反弹quick rebound
Y
养老基金pension fund
一刀切universal application;non-discretionary implementation
一级市场primary market
应收未收利息overdue interest 银行网点banking outlets
赢利能力profitability
营业税business tax
硬贷款（商业贷款）commercial loans
用地审批to grant land use right
有管理的浮动汇率managed floating exchange rate
证券投资portfolio investment
游资（热钱）hot money
有市场的产品marketable products
有效供给effective supply
诱发新一轮经济扩张trigger a new round of economic
expansion
逾期贷款overdue loans;past-due loans
与国际惯例接轨to become compatible with internationally accepted
与国际市场接轨to integrate with the world market
预算外支出（收入）off-budget （extra-budgetary）
expenditure（revenue）
预调pre-emptive adjustment
月环比on a month-on-month basis; on a monthly basis
Z
再贷款central bank lending
在国际金融机构储备头寸reserve position in international financial institutions
在人行存款deposits at （with）the central bank
在途资金fund in float
增加农业投入to increase investment in agriculture
增势减缓deceleration of growth;moderation of growthmomentum
增收节支措施revenue-enhancing and expenditure control
measures
增长平稳steady growth
增值税value-added tax（V A T）
涨幅偏高higher-than-desirable growth rate;excessive growth
账外账concealed accounts
折旧depreciation
整顿retrenchment;consolidation
政策工具policy instrument
政策性业务policy-related operations
政策性银行policy banks
政策组合policy mix
政府干预government intervention
证券交易清算settlement of securities transactions
证券业务占款funding of securities purchase
支付困难payment difficulty
支付能力payment capacity
直接调控方式向to increase the reliance on indirect policy instruments
间接调控方式转变职能转换transformation of functions
职业道德professional ethics
指令性措施mandatory measures
指令性计划mandatory plan;administered plan
制定和实施货币政策to conduct monetary policy;to formulate and implement monetary policy
滞后影响lagged effect
中介机构intermediaries
中央与地方财政delineation of fiscal responsibilities
分灶吃饭重点建设key construction projects;key investment project
周期谷底bottom（trough）of business cycle
周转速度velocity
主办银行main bank
主权风险sovereign risk
注册资本registered capital
逐步到位to phase in;phased implementation
逐步取消to phase out
抓大放小to seize the big and free the small（to maintain close oversight on the large state-ownedenterprises and subject smaller ones to market competition）
专款专用use of funds as ear-marked
转贷on-lending
转轨经济transition economy
转机turnaround
转折关头turning point
准财政赤字quasi-fiscal deficit
准货币quasi-money
资本不足under-capitalized
资本充足率capital adequacy ratio
资本利润率return on capital
资本账户可兑换capital account convertibility
资不抵债insolvent;insolvency
资产负债表balance sheet
资产负债率liability/asset ratio;ratio of liabilities to assets 资产集中asset concentration
资产贡献率asset contribution factor
资产利润率return on assets （ROA）
资产质量asset quality
资产组合asset portfolio
资金成本cost of funding;cost of capital;financing cost
资金到位fully funded （project）
资金宽裕to have sufficient funds
资金利用率fund utilization rate
资金缺口financing gap
资金体外循环financial disintermediation
资金占压funds tied up
自筹投资项目self-financed projects
自有资金equity fund
综合国力overall national strength（often measured by GDP）
综合效益指标overall efficiency indicator
综合治理comprehensive adjustment （retrenchment）;over-haul
总成交额total contract value
总交易量total amount of transactions
总成本total cost
最后贷款人lender of last resort
bear market（熊市）
blue chips（蓝筹股，绩优股）
opening/closing price（开/收盘价）
listed firm（上市公司）
initial share（原始股）
daily limit（每日停板限额）
retail / private investor（散户）
broker/dealer（券商）
debt-for-equity swap（债权转股权）
PE ratio=price/earnings ratio（市盈率）
sell-off（抛售）
dip/edge down/slip lower (小幅下跌)
crash/collapse/crumble/slump(大幅快速下跌)
open low（低开）
描写金融英语的实用句子
描写金融英语的实用句子 学习好英语最重要的就是积累，所以我们一定要好好学习，下面小编就给大家整理了金融英语句子，有机会可以学习一下哦 一 1.By their very nature financial institution attract criticism:banks would not be doing their jobs if their did not turn down some requests for loans, and those who are denied funds sometimes feel hard done by and are vociferous in their complains. 1.金融系统天生就容易招致批评：银行家如果不拒绝某些贷款要求，那就没有尽职尽责;而那些被决绝的借款人有时会觉得十分委屈，甚至因大为光火而抱怨不停。 2.If you have a checking account, the bank sends you your canceled checks along with your monthly statement. These checks can be used instead of receipts. They can be used as proof that payment has been made. 2.如果你有支票账户，银行每月把你的付讫支票连同月度清单送给你。这些支票可以代替收据，当作付款的证据。 3.How do the clearing banks meet these requirements? Their first concern is to see that they always have sufficient notes and coin in their tills, or in reserve, to meet instantly all the demands for cash that may be made upon them. 3.清算银行是怎样满足这些需要的呢?他们最关心的是确保钱柜里，或储备有足够的钞票，迅速应付可能发生的各种现金支取。 4.It's hard to imagine that people could do business without the services of a bank. 4.很难想象出人们在没有银行服务的情况下做生意的情形。 5.As the business matures, an initial public offering(IPO) may take place, or the business merged or sold, or other sources of capital found. 5.随着公司经营的成熟，可以通过公开发行股票，公司合并或者出售，或用其他方式的获得资本。 6.The most widely held liquid security is the Treasury bill, which is commonly issued by the ministry of finance. 6.最为广泛持有的流动性债券是国库券，通常由财政部发行。
金融专业英语阅读(答案)
Lesson One Translate the following passage into Chinese 1.紧缩性货币政策和扩张性货币政策都涉及到改变一个国家的货币供应量水平。 扩张性货币政策增加货币供应量，而紧缩性货币政策会减少货币供应量。 2.当联邦储备体系在公开市场上购买有价证券，会引起证券价格上涨。债券价格 和利率成反比关系。联邦贴现率就是一种利率，因此降低联邦利率实际上就是 降低利率。如果联邦储备系统决定降低法定储备要求，那么银行能够进行投资 的资金会增加。这会引起投资比如债券价格的上涨，因此利率会降低。无论联 邦储备体系用何种方法来增加货币供应量，利率都会降低，债券价格会上涨。 Translate the following sentences into English 1. China would maintain a stable currency and prudent monetary policy, and expected to stay within its growth and inflation targets this year 2.China would also maintain a prudent monetary policy to support economic development while preventing inflationary pressure and financial risks 3. China’s economy continued to grow steadily and rapidly in the first quarter, with investment in fixed assets slowing and domestic consumption accelerating. 4.because of China’s large increase in its trade surplus and foreign exchange reserves in the first quarter, the effectiveness of its monetary policy — used to help control inflation — was facing “serious challenges.” 5. The central bank would seek to further streamline its foreign exchange system to facilitate the orderly outflow of funds. At the same time, it would tighten the management of foreign exchange inflows and settlement. —Three Translation: Translate the following passage into Chinese 1．外汇交易当然是指两种不用货币之间的交易了。每一组货币的交易或“买卖”都包含两个部分。一个是即期市场，在这个市场中支付（交付）需在交易时立即进行（在实际操作中一般是在第二个交易日进行），另一个就是远期市场。远期市场的汇率是在交易的时候就先确定了，但实际的交易，或交付则是在未来的某个特定时间进行的。 2．外汇交易期权是指一种货币和另一种货币在未来进行交付的一个合同，在此合同中，
金融英语词汇
常见银行英文词汇 储蓄 银行及金融机构 会计 经济政策 金融债券 FORFAITING 储蓄(save) account number帐目编号depositor存户 pay-in slip存款单 a deposit form存款单 a banding machine自动存取机to deposit存款 deposit receipt存款收据private deposits私人存款certificate of deposit存单deposit book,passbook存折credit card信用卡 principal本金 overdraft,overdraw透支 to counter sign双签 to endorse背书 endorser背书人 to cash兑现 to honor a cheque兑付 to dishonor a cheque拒付 to suspend payment止付cheque,check支票 cheque book支票本 order cheque记名支票 bearer cheque不记名支票crossed cheque横线支票 blank cheque空白支票 rubber cheque空头支票cheque stub,counterfoil票根cash cheque现金支票 traveler's cheque旅行支票cheque for transfer转帐支票outstanding cheque未付支票canceled cheque已付支票
forged cheque伪支票 Bandar's note庄票，银票 银行及金融机构(Banks and financial organizations) 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
常用金融英语词汇的翻译知识讲解
常用金融英语词汇的 翻译
常用金融英语词汇的翻译 acquiring company 收购公司 bad loan 呆帐 chart of cash flow 现金流量表 clearly-established ownership 产权清晰 debt to equity 债转股 diversity of equities 股权多元化 economy of scale 规模经济 emerging economies 新兴经济 exchange-rate regime 汇率机制 fund and financing 筹资融资 global financial architecture 全球金融体系 global integration, globality 全球一体化，全球化 go public 上市 growth spurt （经济的）急剧增长 have one's "two commas" 百万富翁 hedge against 套期保值 housing mortgage 住房按揭 holdings 控股，所持股份 holding company 控股公司 initial offerings 原始股 initial public offerings 首次公募 innovative business 创新企业 intellectual capital 智力资本 inter-bank lending 拆借 internet customer 网上客户 investment payoff period 投资回收期 joint-stock 参股 mall rat 爱逛商店的年轻人 means of production 生产要素 (the)medical cost social pool for major diseases 大病医疗费用社会统筹mergers and acquisitions 并购
英语银行金融类试译文_20200607
原文：银行金融类 “主承信用债尽职调查”，指的是我行作为主承销商，应当遵循勤勉尽责、诚实信用原则，通过各种有效方法和步骤，对发行人进行充分调查，掌握其主体资格、资产权属、债权债务等重大事项的法律状态，以及企业的业务、管理及财务状况等，对发行人的还款意愿和还款能力作出判断，以合理确信注册文件的真实性、准确性和完整性的行为。 尽职调查是投行业务流程中的最重要环节，尽调人员在尽调基础上编制的尽责调查报告（包括工作底稿），是判断项目可信性的基本依据，是考察项目尽调人员是否勤勉尽责的书面证明。 译文： Banking and financial " Due diligence of Main contractor in Credit bond” It means that we are as main contractor need to follow the rule of diligent, responsible, honest and trustworthy.Through various effective methods and steps,investigating the issuer,mastering the legal status of major matters such as the subject qualification、assets ownership、credit and debt,etc. Meanwhile we need master business process and management and financial situation of the issuer. The main contractor need to make judgments of the issuer about ability or willingness to repay, with reasonable confidence in the act of authenticity, accuracy, and completeness of registration document . Due diligence is very importance in business process of investment bank. The team member of due diligence should make a due diligence report after investigating the issuer(include work draft ).It is the basic to judge the credibility of this project . This is also a documentary evidence as the worker of due diligence that investigate the program diligent and responsible.
金融英语句子翻译
Chapter 1 1. However, research has shown that countries often reversed the steps mentioned above and sterilized gold flows, that is sold domestic assets when foreign reserves were rising and bought domestic assets as foreign reserves fell. Government interference with private gold exports also undermined the system. The picture of smooth and automatic balance of payments adjustment before World War I therefore did not always match reality. 然而，研究表明各国经常反道而行之，他们制止黄金的流动，也就是说，当外国储备升高时他们售出国内资产，而当外国储备下降时，他们购买国内资产。政府对私人黄金出口的干预也破坏了该体系。第一次世界大战前平衡自动的国际收支调整情形常常与现实不相吻合。2. The gold standard regime has conventionally been associated with three rules of the game. The first rule is that in each participating country the price of the domestic currency must be fixed in terms of gold. Since the gold content in one unit of each currency was fixed, exchange rates were also fixed. This was called the mint parity. The second rule is that there must be a free import and export of gold. The third rule is that the surplus country which is gaining gold, should allow its volume of money to increase while the deficit country, which is losing gold, should allow its volume of money to fall. 金本位制按惯例与三条规则有关联。第一条规则是每个参加国其国内货币价格以黄金来确定。由于每一货币单位的黄金含量是固定的，所以汇率也是不变的。这叫做铸币平价。第二条规则是黄金须自由进出口。第三条规则为顺差国，即得到黄金的国家应允许其货币量增加，而逆差国，即失去黄金的国家则允许其货币量减少。 3. Central banks experiencing persistent gold out flows were motivated to contract their domestic asset holdings for the fear of becoming unable to meet their obligation to redeem currency notes. Thus domestic interest rates were pushed up and capital would flow in from abroad. Central banks gaining gold had much weaker incentives to eliminate their own imports of the metal. The main incentive was the greater profitability of interest-bearing domestic assets compared with “barren” gold. 经历持续黄金输出的央行为了避免不能履行其兑换现钞的职责而趋于减少其国内资产的拥有量。这样国内的利率会提高，资金会从国外流入。而获得黄金的央行取消自己黄金进口的动机要弱得多。其主要动机在于与“贫瘠”的黄金相比，有利可图的国内资产具有巨大的获利性。 4. Given the prices of currencies fixed in terms of gold, the price levels within gold standard countries did not rise as much between 1870 and 1914 as over the period after World war II, but national price levels moved unpredictably over shorter horizons as periods of inflation and deflation followed each other. 因为是根据黄金储备而确定货币的价格，在金本位制国家内部的价格水平在1870年到1914年间并未像第二次世界大战后时期那样上涨。但是，全国的价格水平在短时期内出现了像通货膨胀和通货紧缩相互交替时期的不可预见的波动。 Chapter 2 1. They thought a devaluation was a sign of national weakness and a revaluation would reduce the competitiveness of a country. 他们（这些发达国家）认为，货币贬值表示一个国家经济不景气（疲软），而货币升值则会削弱一个国家的竞争能力。 2. The unwillingness of industrial nations to change their par values as a matter of policy when in
英文版国际金融试题和答案
PartⅠ.Decide whether each of the following statements is true or false (10%)每题1分，答错不扣分1. If perfect markets existed, resources would be more mobile and could therefore be transferred to those countries more willing to pay a high price for them. ( T ) 2. The forward contract can hedge future receivables or payables in foreign currencies to insulate the firm against exchange rate risk. ( T ) 3. The primary objective of the multinational corporation is still the same primary objective of any firm, i.e., to maximize shareholder wealth. ( T ) 4. A low inflation rate tends to increase imports and decrease exports, thereby decreasing the current account deficit, other things equal. ( F ) 5. A capital account deficit reflects a net sale of the home currency in exchange for other currencies. This places upward pressure on that home currency’s value. ( F ) 6. The theory of comparative advantage implies that countries should specialize in production, thereby relying on other countries for some products. ( T ) 7. Covered interest arbitrage is plausible when the forward premium reflect the interest rate differential between two countries specified by the interest rate parity formula.( F ) 8．The total impact of transaction exposure is on the overall value of the firm. ( F ) 9. A put option is an option to sell-by the buyer of the option-a stated number of units of the underlying instrument at a specified price per unit during a specified period. ( T ) 10. Futures must be marked-to-market. Options are not. ( T ) PartⅡ:Cloze (20%)每题2分，答错不扣分 1. If inflation in a foreign country differs from inflation in the home country, the exchange rate will adjust to maintain equal( purchasing power ） 2. Speculators who expect a currency to ( appreciate ) could purchase currency futures contracts for that currency. 3. Covered interest arbitrage involves the short-term investment in a foreign currency that is covered by a ( forward contract ) to sell that currency when the investment matures. 4. （Appreciation/ Revalue ）of RMB reduces inflows since the foreign demand for our goods is reduced and foreign competition is increased. 5. ( PPP ) suggests a relationship between the inflation differential of two countries and the percentage change in the spot exchange rate over time. 6. IFE is based on nominal interest rate ( differentials ), which are influenced by expected inflation. 7. Transaction exposure is a subset of economic exposure. Economic exposure includes any form by which the firm’s ( value ) will be affected. 8. The option writer is obligated to buy the underlying commodity at a stated price if a ( put option ) is exercised 9. There are three types of long-term international bonds. They are Global bonds , ( eurobonds ) and ( foreign bonds ). 10. Any good secondary market for finance instruments must have an efficient clearing system. Most Eurobonds are cleared through either ( Euroclear ) or Cedel. PartⅢ:Questions and Calculations (60%)过程正确结果计算错误扣2分 1. Assume the following information: A Bank B Bank Bid price of Canadian dollar $0.802 $0.796 Ask price of Canadian dollar $0.808 $0.800 Given this information, is locational arbitrage possible?If so, explain the steps involved in locational arbitrage, and compute the profit from this arbitrage if you had $1,000,000 to use. (5%) ANSWER: Yes!One could purchase New Zealand dollars at Y Bank for $.80 and sell them to X Bank for $.802.With $1 million available, 1.25 million New Zealand dollars could be purchased at Y Bank.These New Zealand dollars could then be sold to X Bank for $1,002,500, thereby generating a profit of $2,500. 2. Assume that the spot exchange rate of the British pound is $1.90.How will this spot rate adjust in two years if the United Kingdom experiences an inflation rate of 7 percent per year while the United
金融英语词汇表
unit one division of labor 劳动分工 commodity money 商品货币 legal tender 法定货币 fiat money 法定通货 a medium of exchange交换媒介 legal sanction法律制裁 face value面值 liquid assets流动资产 illiquidl assets非流动资产 the liquidity scale 流动性指标 real estate 不动产 checking accounts,demand deposit,checkable deposit 活期存款time deposit 定期存款 negotiable order of withdrawal accounts 大额可转让提款单money market mutual funds 货币市场互助基金 repurchase agreements 回购协议 certificate of deposits存单 bond 债券 stock股票 travelers'checks 旅行支票 small-denomination time deposits小额定期存款 large-denomination time deposits大额定期存款 bank overnight repurchase agreements 银行隔夜回购协议 bank long-term repurchase agreements 银行长期回购协议 thrift institutions 存款机构 financial institution 金融机构 commercial banks商业银行 a means of payment 支付手段 a store of value储藏手段 a standard of value价值标准 unit two reserve 储备 note 票据 discount贴现 circulate流通 central bank 中央银行 the Federal Reserve System联邦储备系统 credit union 信用合作社 paper currency 纸币 credit creation 信用创造 branch banking 银行分行制 unit banking 单一银行制
金融专业英语词汇表
金融专业英语词汇表 accelerated depreciation 加速折旧 acceptor 承兑人；受票人；接受人 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 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 agm 周年大会 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
常用金融英语词汇大全必备单词
常用金融英语词汇大全必备单词 在英语的学习中，词汇量的积累无疑是很重要的，有关金融方面的英语单词你知道多少呢，下面是学习啦小编整理的一些常用金融英语词汇，希望对大家有帮助。 常用金融英语词汇：H 合理预期 rational expectation 核心资本 core capital 合资企业 joint-venture enterprises 红利 dividend 宏观经济运营良好 sound macroeconomic performance 宏观经济基本状况 macroeconomic fundamentals 宏观调控 macroeconomic management(or adjustment) 宏观调控目标 macroeconomic objectives(or targets) 坏账 bad debt 还本付息 debt service 换汇成本 unit export cost;local currency cost of export earnings 汇兑在途 funds in float 汇兑支出 advance payment of remittance by the beneficiary's bank 汇率并轨 unification of exchange rates 活期存款 demand deposits 汇率失调 exchange rate misalignment 混合所有制 diversified(mixed)ownership 货币政策态势 monetary policy stance 货款拖欠 overdue obligations to suppliers 常用金融英语词汇：J 基本建设投资 investment in infrastructure 基本经济要素 economic fundamentals 基本适度 broadly appropriate 基准利率 benchmark interest rate
金融英语单词
equilibrium theory 均衡理论 mechanical models of the economy 机械经济模型macroeconomic management 宏观经济管理 demand management 需求管理 nationalization 国有化 social security 社会保障 unemployment benefit 失业救济 counter-cyclical monetary and fiscal policies 反周期-货币与财政政策time lags 时滞 Monetarism 货币学派 trade unions 工会 aggregate demand 总需求 conventional wisdom 普遍流行观点 Keynesianism 凯恩斯主义 economic behavior 经济行为 economic model 经济模式 the principle of comparative advantage 比较优势法则 the theory of income determination 收入决定论 the circular flow model 循环流向图 fiscal policy 财政政策 merchant capitalism 商业资本主义 Industrial Revolution 工业革命 the Great Depression 大萧条 imperfect competition 不完全竞争 possibilities frontier （生产）可能性界限 exchange rate 汇率 checking account 经常账户支票账户 savings and loan association 储蓄与贷款协会 foreign exchange rate 外汇汇率 junk bond crisis 垃圾债券危机 bank failure 银行倒闭 savings and loan crisis 储蓄贷款危机 Federal Reserve System 联邦储备银行系统 personal finance 个人理财 business finance 公司财务 international finance 国际金融 public finance 公共财政 risk of loss 亏损的风险 medium of exchange 交换手段 fiat money 法币 legal tender 法定货币 IOU 借据欠条 business day 工作日 electronic means of payment 电子支付手段
金融专业英语实用句子
金融专业英语实用句子(一) 1.The money which a bank obtains from its customers is generally known as its “deposits”and represents the balances which customers keep on their accounts with their banks. These accounts are of two main kinds: current accounts on which customers can draw check but receive no interest, and deposit and savings accounts on which the banks pay interest for the use of the money. 1.银行从其客户那里得到的钱，一般被称为“存款”，代表客户在银行账户上持有的余额。这些账户主要有两种：一种是活期存款，客户可以对其开出支票，但没有利息，另一种是储蓄存款账户，银行使用账上的资金要支付利息。 2.But the shareholders' money is only a small part of the total amount of money which the clearing banks have at their command. Who provided the rest of this enormous sum? The banks' customers. Banks, in effect, borrow from their customers as well as lend to them. 2.但是，股东的资金仅仅是资金总额中的一小部分，并由清算银行控制。其余的大量资金由谁来提供呢?由银行的客户来提供。实际上，银行从客户那里借来资金，并向他们提供贷款。 3.Shareholders of the banks, or their predecessors, provided the money to set up the banks and to enlarge them. This money is known as a bank’s capital.
《金融专业英语》习题答案
Chapter One Functions of Financial Markets 一．Translate the following sentences into Chinese. 1.China’s banking industry is now supervised by the PBC and CBRC. In addition, the MOF is in charge of financial accounting and taxation part of banking regulation and management. 目前中国银行业主要由中国人民银行和银监会进行监管。此外，财政部负责银行业监管的财务会计及税收方面。 2.Currently Chinese fund management companies are engaged in the following business: securities investment fund, entrusted asset management, investment consultancy, management of national social security funds, enterprise pension funds and QDII businesses. 目前中国的基金管理公司主要从事以下业务：证券投资基金业务、受托资产管理业务、投资咨询业务、社保基金管理业务、企业年金管理业务和合格境内机构投资者业务等。 3.China's economy had 10% growth rate in the years before the world financial crisis of 2008. That economic expansion resulted from big trade surpluses and full investment. Now China is seeking to move away from that growth model. The country is working to balance exports with demand at home. 在2008年世界经济危机之前的那些年，中国经济增长速度曾达到10%。这一经济增长源于巨额贸易盈余和大量投资。中国现在正在寻求改变这一增长模式。中国正致力于平衡出口和国内需求。 二．Translate the following sentences into English 1.中国商业银行监管的程序是市场准入监管、市场运营监管和市场退出监管。 Regulatory procedures of China’s commercial banks are market access regulation, market operation regulation and market exit regulation. 2.国务院关于推进资本市场改革开放和稳定发展的若干意见。 Some opinions of the State Council on promoting the reform, opening and steady growth of the capital market 3.只有建立合理的股权结构，才能保证公司取得好的经营业绩。 Only establishing reasonable ownership structure can guarantee perfect corporate performance. 4.该公司股票暴跌，被伦敦交易所摘牌。 The company’s stock nosedived and it was delisted from the London exchange.