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1、编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第41页 共41页n 更多资料请访问.(.)更多企业学院：./Shop/中小企业管理全能版183套讲座+89700份资料./Shop/40.shtml总经理、高层管理49套讲座+16388份资料./Shop/38.shtml中层管理学院46套讲座+6020份资料./Shop/39.shtml国学智慧、易经46套讲座./Shop/41.shtml人力资源学院56套讲座+27123份资料./Shop/44.shtml各阶段员工培训学院77套讲座+ 324份资料./Shop/49.shtml员工管理企业学院67套讲座+ 8720份资料
2、./Shop/42.shtml工厂生产管理学院52套讲座+ 13920份资料./Shop/43.shtml财务管理学院53套讲座+ 17945份资料./Shop/45.shtml销售经理学院56套讲座+ 14350份资料./Shop/46.shtml销售人员培训学院72套讲座+ 4879份资料./Shop/47.shtml常见银行英语词汇account number 帐目编号 depositor 存户 pay-in slip 存款单 a deposit form 存款单 a banding machine 自动存取机 deposit receipt 存款收据 certificate of de
3、posit 存单 deposit book, passbook 存折 principal 本金 overdraft, overdraw 透支 to counter sign 双签 to endorse 背书 endorser 背书人 to cash 兑现 to honor a cheque 兑付 to dishonor a cheque 拒付 to suspend payment 止付 cheque,check 支票 cheque book 支票本 order cheque 记名支票 bearer cheque 不记名支票 crossed cheque 横线支票 blank cheque 空白
4、支票 rubber cheque 空头支票 cheque stub, counterfoil 票根 outstanding cheque 未付支票 canceled cheque 已付支票 forged cheque 伪支票 Bandars note 庄票，银票 president 行长 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
5、 IIndoChine 东方汇理银行 bank of issue, bank of circulation 发行币银行 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
6、collection 代收银行 consigned banker of collection 委托银行 clearing bank 清算银行 unincorporated bank 钱庄 branch bank 银行分行 trustee savings bank 信托储蓄银行 trust company 信托公司 financial trust 金融信托公司 unit trust 信托投资公司 trust institution 银行的信托部 credit department 银行的信用部 commercial credit company(discount company) 商业信贷公司（
7、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 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 industria
8、l 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 depreciation
9、 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 boom 经济繁荣 economic recession 经济衰退 economic depression 经济萧条 economic recovery 经济复苏 devaluation 货币贬值 revalu
10、ation 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 gross product 国民生产总值 public bond 公债 stock, share
11、 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 rate, bank rate 贴现率 gold reserve 黄金储备 money (financia
12、l) 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 营业时间常见职位、职务英文译名AccountingStall会计部职员 Accoun
13、tingSupervisor会计主管 AdministrativeClerk行政办事员 AdvertisingStaff广告工作人员 AirlinesSalesRepresentative航空公司定座员 AssistantManager副经理 BondAnalyst证券分析员 BondTrader证券交易员 BusinessController业务主任 BusinessManager业务经理 Cashier出纳员 CivilEngineer土木工程师 Clerk/Receptionist职员接待员 Copywriter广告文字撰稿人 DeputyGeneralManager副总经理 Econo
14、micResearchAssistant经济研究助理 ElectricalEngineer电气工程师 EngineeringTechnician工程技术员 EnglishInstructor/Teacher英语教师 ExportSalesManager外销部经理 FinancialController财务主任 F.X.(ForeignExchange)Clerk外汇部职员 F.X.SettlementClerk外汇部核算员 FundManager财务经理 GeneralAuditor审计长 GeneralManager/President总经理 HardwareEngineer（计算机）硬件工
15、程师 ImportLiaisonStaff进口联络员 InsuranceActuary保险公司理赔员 InternationalSalesStaff国际销售员 LegalAdviser法律顾问 LineSupervisor生产线主管 MaintenanceEngineer维修工程师 ManagementConsultant管理顾问 ManufacturingEngineer制造工程师 MarketAnalyst市场分析员 MarketDevelopmentManager市场开发部经理 MarketingExecutive销售主管 MarketingRepresentative销售代表 Mark
16、etingRepresentativeManager市场调研部经理 MechanicalEngineer机械工程师 MiningEngineer采矿工程师 NavalArchitect造船工程师 OfficeClerk职员 OperationalManager业务经理 PackageDesigner包装设计师 PassengerReservationStaff乘客票位预订员 Plant/FactoryManager厂长 PromotionalManager推销部经理 Proof-reader校对员 PurchasingAgent采购（进货）员 RealEstateStaff房地产职员 Recr
17、uitmentCoordinator招聘协调人 RegionalManger地区经理 SalesCoordinator销售协调人 SchoolRegistrar学校注册主任 SecuritiesCustodyClerk保安人员 SeniorConsultant/Adviser高级顾问 SimultaneousInterpreter同声传译员 TradeFinanceExecutive贸易财务主管 TraineeManager培训部经理 TrustBankingExecutive银行高级职员 常用金融英语词汇的翻译acquiring company收购公司 bad loan呆帐 chart of
18、 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 ha
19、ve ones 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
20、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 f
21、und 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 takepublic上市 tap the idle assets盘活存量资产 transaction（银行的）交易 transfer payment from
22、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 国际会计术语英汉对照Account 帐户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 Certifica
23、te Public Accountant注册会计师 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 Int
24、ernal 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 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 Stateme
25、nt 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 Business entity 企业个体 Capital stock 股本 Cost principle 成本原则 Creditor 债权人 Deflation 通货紧缩 Disclosure 批露 Financial statement 财务报表 Financial activities 筹资活动 Going-concern assumption 持续经营假设Liabilities 负债 Negative
26、cash flow 负现金流量 Operating activities 经营活动 Owners 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 门面粉饰经济金融术语汉英对照表按可比口径 on comparable
27、basis 按轻重缓急 to prioritize 暗补 implicit subsidy 暗亏 hidden loss 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 farmersincentive 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
28、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
29、cost 不变价 at constant price;in real terms 不动产 real estate 不良贷款 problem loans；non-performing loans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 man
30、ner 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
31、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
32、布点 duplicate projects 重置成本 replacement cost 重组计划 restructuring plan 筹资渠道 funding sources;financing 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 decl
33、ine 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 打白条 issue IOU 大额存单 certificate of deposit (CD) 大额提现 withdraw deposits in large am
34、ounts 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 t
35、o 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 terti
36、ary 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
37、 恶性通货膨胀 hyperinflation 二级市场 secondary market 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 mo
38、nitoring) 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 ri
39、sk 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;users charges 扶贫 poverty alleviation 负增长 negative growth 复式预算制 double-entry budgeting;capital and current budgetary account 改革试点 reform experimentation 杠杆率 leverage
40、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
41、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 tari
42、ff 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 peoples 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
43、 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 comp
44、etition 过度膨胀 excessive expansion 过热迹象 signs of overheating 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
45、 (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 beneficiarys 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 基本建设投资 investment in infr