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1、金融英语：宏观经济的macroeconomic通货膨胀inflation破产 insolvency有偿还债务能力的solvent合同 contract汇率 exchange rate紧缩信贷tighten credit creation私营部门private sector财政治理机构fiscal authorities宽松的财政政策slack fiscal policy税法 tax bill财政 public finance财政部the Ministry of Finance平衡预算balanced budget继续税inheritance tax货币主义者monetariest增值税VAT
2、(value added tax)收入 revenue总需求aggregate demand货币化monetization赤字 deficit经济不景气recession a period when the economy of a country is not successful, business conditions are bad, industrial production and trade are at a low level and there is a lot of unemployment 经济好转turnabout复苏 recovery成本推进型cost push货币供
3、给money supply生产率productivity劳动力labor force实际工资real wages成本推进式通货膨胀cost-push inflation需求拉动式通货膨胀demand-pull inflation双位数通货膨胀double- digit inflation极度通货膨胀hyperinflation长期通货膨胀chronic inflation治理通货膨胀to fight inflation最终目标ultimate goal坏的影响adverse effect担保 ensure贴现 discount萧条的sluggish认购 subscribe to支票帐户chec
4、king account货币控制工具instruments of monetry control 借据 IOUs(I owe you)本票 promissory notes货币总监controller of the currency拖收系统collection system支票清算或结算check clearing资金划拨transfer of funds可以相信的证实credentials 改革 fashion被缠住entangled货币联盟Monetary Union再购协议repo精明的讨价还价交易horse-trading欧元 euro公共债务membership criteria汇率
5、机制REM储备货币reserve currency劳动密集型labor-intensive股票交易所bourse竞争领先frontrun牛市 bull market非凡的牛市a raging bull规模经济scale economcies买方出价与卖方要价之间的差价bid-ask spreads期货（股票）futures经济商行brokerage firm回报率rate of return股票 equities违约 default现金外流cash drains经济人佣金brokerage fee存款单CD(certificate of deposit)营业额turnover资本市场capit
6、al market布雷顿森林体系The Bretton Woods System经常帐户current account套利者arbitrager远期汇率forward exchange rate即期汇率spot rate实际利率real interest rates货币政策工具tools of monetary policy银行倒闭bank failures跨国公司MNC ( Multi-National Corporation)商业银行commercial bank商业票据comercial paper利润 profit本票，期票promissory notes监督 to monitor佣金
7、（经济人）commission brokers套期保值hedge有价证券平衡理论portfolio balance theory外汇储备foreign exchange reserves固定汇率fixed exchange rate浮动汇率floating/flexible exchange rate货币选择权（期货）currency option套利 arbitrage合约价exercise price远期升水forward premium多头买升buying long空头卖跌selling short按市价订购股票market order股票经纪人stockbroker国际货币基金the
8、IMF七国集团the G-7监督 surveillance同业拆借市场interbank market可兑换性convertibility软通货soft currency限制 restriction交易 transaction充分需求adequate demand短期外债short term external debt汇率机制exchange rate regime直接标价direct quotes资本流动性mobility of capital赤字 deficit 本国货币domestic currency外汇交易市场foreign exchange market国际储备internatio
9、nal reserve利率 interest rate资产 assets国际收支balance of payments贸易差额balance of trade繁荣 boom债券 bond资本 captial资本支出captial expenditures商品 commodities商品交易所commodity exchange期货合同commodity futures contract普通股票common stock联合大企业conglomerate货币贬值currency devaluation通货紧缩deflation折旧 depreciation贴现率discount rate归个人支配
10、的收入disposable personal income从业人员employed person汇率 exchange rate财政年度 fiscal year名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 1 页，共 8 页 - - - - - - - - - 自由企业free enterprise国民生产总值gross antional product库存 inventory劳动力人数labor force债务 liabilities市场经济market economy合并 me
11、rger货币收入money income跨国公司Multinational Corproation个人收入personal income优先股票preferred stock价格收益比率price-earning ratio优惠贷款利率prime rate利润 profit回报 return on investment使货币升值revaluation薪水 salary季节性调整seasonal adjustment关税 tariff失业人员unemployed person效用 utility价值 value工资 wages工资价格螺旋上升wage-price spiral收益 yield补偿
12、贸易compensatory trade, compensated deal储蓄银行saving banks欧洲联盟the European Union单一的实体a single entity抵押贷款mortgage lending业主产权owners equity普通股common stock无形资产intangible assets收益表income statement 营业开支operating expenses行政开支administrative expenses现金收支一览表statement of cash flow贸易中的存货inventory收益 proceeds投资银行inv
13、estment bank机构投资者institutional investor垄断兼并委员会MMC招标发行issue by tender定向发行introduction代销 offer for sale直销 placing公开发行public issue信贷额度credit line国际债券international bonds欧洲货币 Eurocurrency利差 interest margin以所借的钱作抵押所获之贷款leveraged loan权利股发行rights issues净收入比例结合net income gearing付款方法mode of payment 现金付款paymen
14、t by cash|cash payment|payment by ready cash 以支票支付payment by cheque 以汇票支付payment by bill 以物品支付payment in kind 付清 | 支付全部货款payment in full|full payment 支付部分货款 | 分批付款payment in part|part payment|partial payment 记帐付款 | 会计帐目内付款payment on account 定期付款payment on term 年分期付款annual payment 月分期付款monthly paymen
15、t|monthly instalment 延滞付款payment in arrear 预付货 | 先付 payment in advance|prepayment 延付货款deferred payment 立即付款prompt payment|immediate payment 暂付款suspense payment 延期付款delay in payment|extension of payment 支付票据payment bill 名誉支付 | 干与付款payment for honour|payment by intervention 结帐 | 清算| 支付 settlement 分期付款
16、instalment 滞付 | 拖欠| 尾数款未付arrears 特许拖延付款日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|to balance 支出 | 付款 to defray|to disburse 结清 to clear off|to pya off 请求付款to ask for payment|to request payment 恳求付
17、帐to solicit payment 拖延付款to defer payment|to delay payment 付款被拖延to be in arrears with payment 还债 to discharge 迅速付款to pay promptly 付款相当迅速to pay moderately well|to pay fairly well|to keep the engagements regularly 付款相当慢to pay slowly|to take extended credit 付款不好to pay badly|to be generally in arrear wit
18、h payments 付款颇为恶劣to pay very badly|to never pay unless forced 拒绝付款to refuse payment|to refuse to pay|to dishonour a bill 相信能收到款项We shall look to you for the payment|We shall depend upon you for the payment |We expect payment from you 惠请付款kindly pay the amount|please forward payment|please forward a
19、cheque. 我将不得不采取必要步骤运用法律手段收回该项货款 I shall be obliged to take the necessary steps to legally recover the amount. |I shall be compelled to take steps to enforce payment. 惠请宽限let the matter stand over till then.|allow me a short extension of time. |Kindly postpone the time for payment a little longer. 索取
20、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 ones deposit
21、from a bank 换取现金to convert into money|to turn into cash|to realize 折扣用语从价格打 10%的折扣to make a discount of 10% off the price|to make 10% discount off the price 打折扣购买to buy at a discount 打折扣出售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cas
22、h 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 | 最低价格付现net cash 现金付款ready cash 即期付款spot cash|cash down|cash on the nail 凭单据付现款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) 名
23、师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 2 页，共 8 页 - - - - - - - - - 折扣例文除非另有说明， 30 日后全额付现，如有错误，请立即通知。Net cash 30 days unless specified otherwise. Advise promptly if incorrect. 付款条件： 30 日后全额付现， 10 日后付现打2%折扣，过期后付款时，加上利率为6%的利息。Terms, net cash 30 days, or, less 2%
24、10 days. Interest charged at the rate of 6% after maturity. 付款条件：月底后10 日后付现 2%折扣，现在付现 3%折扣，否则，全额付现。Terms: 2%, 10 days E.O.M., or 3% cash, otherwise strictly net. 信用证用语追加信用证additional credit|additional L/C 信用证金额amount of credit 赊帐金额credit balance 可撤消信用证revocable L/C 不可撤消信用证irrevocable L/C 保兑信用证confir
25、med L/C 不保兑信用证unconfirmed L/C 可转让信用证assignable L/C|transferable L/C 银行信用证bankers L/C 有追索权信用证with recourse L/C 无追索权信用证without recourse L/C 单一信用证simple credit 无条件信用证open credit|free credit 普通信用证general letter of credit 旅行信用证circular letter of credit 非凡信用证special letter of credit 信用证底帐letter of credit
26、ledger 信用证发行帐letter of credit issued account 信用证金额amount of credit 信用证余额 | 信用证结欠credit balance 开立信用证to open a credit 通过银行开立信用证to establish a credit through a bank 电开信用证to cable a credit 取消信用证to cancel a credit 开出信用证to issue a credit 在某银行开立信用证to arrange a credit with a bank 修改信用证to amend a credit 延展信
27、用证有效期to extend a credit 增加信用证面额to increase a credit 寄出信用证to send a credit 请发给信用证to take out a credit 信用证例文我们已开出以贵方为受益人的保兑信用证。We nave opened a confirmed credit in your favour. 以贵方为受益人，我们开出不可撤消的的保兑信用证。We have opened a confirmed and irrevocable credit in your favour. 我们被请求已开出以贵方为受益人的信用证，特此通知。We are ple
28、ased to inform you that we have been requested to open a credit in your favour. 我们已开出商业信用证，特此通知。We intimate to you that we have issued a commercial letter of credit. 银行用语请入收款人的户号account payee 请支付票款advice to pay cheques 惠请通知该支票的经过advise fate 金额有错误accounts differ 文字与数字所记载金额不同words and figures differ 签
29、名有误 |印鉴不符signatures differ 请明天再次提出为荷present again tomorrow 保证付款good for payment 请照会发票人refer to drawee (R.D.) 无交易no account 款额不足 | 存款不足not sufficient (N.S.)|no sufficient funds (N.S.F.) 已无存款no funds 如支票不获兑现时, 不必出具拒绝证书。notto be protested in case of dishonour|protest waived|no protest 需要出具拒绝证书to be pro
30、tested 没有通知no advice 未受指示no orders 禁止转让 | 不可转让non-transferable|not transferable 已付款received payment|payment received 上开价金已收到value received|for value received 上开价金系经核算value in account 上开金额与发票相同value as per invoice 上开金额与通知书相符value as per advice 无追索权without recourse 有追索权 | 偿还请求权right of recourse 请求偿还清单
31、 | 清偿帐户recourse account 偿还预备金recourse fund 拒绝偿还 | 拒绝追索recourse repudiation 银行业务例文定期存款的条件为年利6%，存期 6 个月以上，只要金额 1,000 元，我们均乐意接受。We shall be pleased to receive a fixed deposit for any amount more than $1,000, for a period over six months at the rate of 6% p.a. 谨同函寄上新开定期存款第500 号存折一份，面额 100,000 元，请查收为荷。 该
32、面额等于您寄来换新的旧存折本金加上利息之和。Enclosed please find a new deposit certificate No. 500 for $100,000, which represents the principal and interest of the old certificate you sent us for renewal. 如存款为 100 元以上，我们将乐意接受。We shall be glad to receive deposits of 100 yen and upward. 结算到目前为止，我公司应收帐尚有二万美元。兹奉上结算报告书一份，敬请查收
33、为荷。Enclosed we hand you a statement of account to date, showing a balance of $20,000 in our favour, which we trust will be found in order. 上开帐目， 现正核对 , 如无错误， 将遵照贵公司的指示，将转入新开的帐户内。This account is under examination, and if found correct, it shall be carried to a new account, in conformity with your ins
34、tructions. 您昨日函敬悉。兹遵照贵方请求，同函附上结算报告书，敬请惠予查收为荷。Your favour of yesterday was duly received, and we hand you herewith a statement of your account as requested, which we hope you will find correct. 兹奉上棒铁总价为512,000 元清单一份，恳请列入我公司贷方帐项为荷。We hand you our account on the bar iron, amounting to $512,000, which k
35、indly pass to our credit. 请求付款名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 3 页，共 8 页 - - - - - - - - - 恳请速予汇款为荷。an early remittance will be appreciated. 迟付的 60 美元 , 请速予寄下为荷。Please let us have your check for the $60 now past overdue. 有鉴于此，相信贵方将随复函寄来支票, 特此致谢。With the
36、se facts before you, we feel sure that you will send us your check by return mail. Thank you. 我们恳求，对此部分能速予结帐为荷。We urge that you make this settlement without delay. 何不立即对此案作一结算？请在今日将支票随函发出即可。Why not settle this matter now? Just attach your check to this letter, and send it by todays mail. 催告付款为加清本帐目，
37、我方多次催促，但未有任何效果。所以为收回本帐款项，预备向法院起诉，特此通知。Having made repeated applications for apyment of this amount without avail, we now give you notice that we shall take out a summons for recovery of the same 下星期一以前未能清结本件款项，不得已，将委任我公司顾问律师处理。We wish to state that if the account be not paid by Monday next, we shall
38、 be forced to place the matter in the hands o four solicitors. 贵方虽多次答应付款结帐，但迄今尚未结清。如在本月底以前，尚未拔款结清，只好委托我公司顾问律师处理。In spite of your repeated promises to let us have a cheque, we are still without a settlement of your outstanding account, and therefore, unless same is settled by the end of this month, w
39、e shall be compelled to hand over the matter to our solicitor. 对于此事，贵方似乎在趁机利用我公司的宽容态度。本函系最后通告所，复函时请汇足够金额，以结此帐，否则只好采取其它途径，特此函告。As you seem to take advantage of you leniency in this matter, we now give you the final notice that, unless we shall receive a substantial amount on account by return of post
40、, we shall adopt other measures for its recovery.会计报表statement of account 往来帐目account current 现在往来帐 | 存款额current accout 销货帐account sales 共同计算帐项joint account 未决帐项outstanding account 贷方帐项credit account|creditor account 借方帐项debit account|debtor account 应付帐 | 应付未付帐account payable 应收帐 | 应收未收帐account rece
41、ivable 新交易 | 新帐 new account 未决帐 | 老帐 old account 现金帐cash account 流水帐running account 暂记帐 | 未定帐suspense account 过期帐 | 延滞帐overdue account|pastdue account 杂项帐户sundry account 具体帐单 | 明细表detail account 呆帐 bad account 会计项目title of account 会计薄 | 帐薄 account-book 营业报告书 | 损益计算表account of budiness|business repor
42、t 借贷细帐 | 交验帐account rendered 明细帐account stated 与. 银行开立一户头to open an account with 与. 银行建立交易to keep account with 继续记帐to keep account 与. 有交易to have an account with 作成会计帐 | 有往来帐项to make out an account with 清算 | 清理债务to make up an account 清洁帐目 | 与, 停止交易to close ones account with 结帐 to close an account 清理未
43、付款to ask an account|to demand an account 结清差额to balance the account with 清算 to settle an account|to liquidate an account|to square an account 审查帐目 | 监查帐目to audit an account 检查帐目to examine an account 转入 A 的帐户to charge the amount to As account 以计帐方式付款to pay on account 代理某人 | 为某人on ones account|on acco
44、unt of one 为自己计算 | 独立帐目on ones own account 由某人收益并负风险on ones account and risk|for ones account and risk 由某人负担for ones account|for account of one 按某人指示 | 列入某人帐户by order and for account of one 列入 5 月份帐目for May account 编入某中帐项下to pass to the account of|to place to the account of 寄出清算书to send in an accoun
45、t|to send in render an 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 横线支票crossed cheque 普通横线general crossing 非凡横线special crossing 空
46、白支票blank cheque 失效支票，过期支票stale cheque 普通支票open cheque 打 10%折扣的 10000 元支票，（即9000元）a cheque for $10,000, less 10% discount 加 10%费用的 10000 元支票，（即11000 元） a cheque for $10,000, plus 10% charges 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 填写支票数额to fill up a cheque 支票上划线to cr
47、oss a cheque 开发支票to make out a cheque 签发支票，开立支票to draw a cheque|to issue a cheque 透支支票to overdraw a cheque 背书支票to endorse a cheque 清付票款to pay a cheque|to honour 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 见票即付持票人payable to be
48、arer 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 名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 4 页，共 8 页 - - - - - - - - - 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 支票交换时间已过account closed
49、 更改处应加盖印章alterations require initials 交换时间已过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 汇票汇单用语国外汇票foreign Bill 国内汇票inland Bill 跟单汇票documentary bill 空头汇票accommodation bill 原始汇票origin
50、al bill 改写| 换新票据renewed bill 即期汇票sight bill|bill on demand . days after date|. days after date . 日后付款. months after date|. months after date . 月后付款见票后, 日付款,days after sight|. days sight 见票后, 月付款,months after sight|. months sight 同组票据set of bills 单张汇票sola of exchange|sole of exchange 远期汇票usance bill|