英漢銀行用語(yǔ)

1、1. 銀行用語(yǔ)account number 帳目編號(hào)2. depositor 存戶 3. pay-in slip 存款單4. a deposit form 存款單5. a banding machine 自動(dòng)存取機(jī) 6. to deposit 存款 7. deposit receipt 存款收據(jù)8. private deposits 私人存款9. certificate of deposit 存單 10. deposit book, passbook 存折11. credit card 信用卡12. principal 本金13. overdraft, overdraw 透支14. to co

2、unter sign 雙簽 15. to endorse 背書 16. endorser 背書人 17. to cash 兌現(xiàn)18. to honor a cheque 兌付19. to dishonor a cheque 拒付20. to suspend payment 止付21. cheque,check 支票 22. cheque book 支票本23. order cheque 記名支票24. bearer cheque 不記名支票25. crossed cheque 橫線支票 26. blank cheque 空白支票 27. rubber cheque 空頭支票 28. chequ

3、e stub, counterfoil 票根29. cash cheque 現(xiàn)金支票30. traveler's cheque 旅行支票 31. cheque for transfer 轉(zhuǎn)帳支票32. outstanding cheque 未付支票33. canceled cheque 已付支票34. forged cheque 偽支票35. Bandar's note 莊票，銀票 36. banker 銀行家 37. president 行長(zhǎng) 38. savings bank 儲(chǔ)蓄銀行39. Chase Bank 大通銀行40. National City Bank of N

4、ew York 花旗銀行41. Hongkong Shanghai Banking Corporation 匯豐銀行42. Chartered Bank of India, Australia and China 麥加利銀行 43. Banque de I'IndoChine 東方匯理銀行 44. central bank, national bank, banker's bank 中央銀行45. bank of issue, bank of circulation 發(fā)行幣銀行46. commercial bank 商業(yè)銀行，儲(chǔ)蓄信貸銀行 47. member bank, cr

5、edit bank 儲(chǔ)蓄信貸銀行 48. discount bank 貼現(xiàn)銀行 49. exchange bank 匯兌銀行 50. requesting bank 委托開證銀行 51. ssuing bank, opening bank 開證銀行52. advising bank, notifying bank 通知銀行53. negotiation bank 議付銀行 54. confirming bank 保兌銀行 55. paying bank 付款銀行56. associate banker of collection 代收銀行57. consigned banker of coll

6、ection 委托銀行58. clearing bank 清算銀行59. local bank 本地銀行60. domestic bank 國(guó)內(nèi)銀行61. overseas bank 國(guó)外銀行 62. unincorporated bank 錢莊 63. branch bank 銀行分行64. trustee savings bank 信托儲(chǔ)蓄銀行65. trust company 信托公司66. financial trust 金融信托公司 67. unit trust 信托投資公司68. trust institution 銀行的信托部69. credit department 銀行的信用

7、部70. commercial credit company(discount company) 商業(yè)信貸公司（貼現(xiàn)公司）71. neighborhood savings bank, bank of deposit 街道儲(chǔ)蓄所 72. credit union 合作銀行73. credit bureau 商業(yè)興信所 74. self-service bank 無人銀行75. land bank 土地銀行 76. construction bank 建設(shè)銀行 77. industrial and commercial bank 工商銀行78. bank of communications 交通銀

8、行79. mutual savings bank 互助儲(chǔ)蓄銀行80. post office savings bank 郵局儲(chǔ)蓄銀行81. mortgage bank, building society 抵押銀行82. industrial bank 實(shí)業(yè)銀行83. home loan bank 家宅貸款銀行 84. reserve bank 準(zhǔn)備銀行85. chartered bank 特許銀行 86. corresponding bank 往來銀行 87. merchant bank, accepting bank 承兌銀行 88. investment bank 投資銀行89. impo

9、rt and export bank (EXIMBANK) 進(jìn)出口銀行90. joint venture bank 合資銀行 91. money shop, native bank 錢莊92. credit cooperatives 信用社 93. clearing house 票據(jù)交換所 94. public accounting 公共會(huì)計(jì)95. business accounting 商業(yè)會(huì)計(jì)96. cost accounting 成本會(huì)計(jì) 97. depreciation accounting 折舊會(huì)計(jì)98. computerized accounting 電腦化會(huì)計(jì) 99. gener

10、al ledger 總帳 100. subsidiary ledger 分戶帳101. cash book 現(xiàn)金出納帳102. cash account 現(xiàn)金帳 103. journal, day-book 日記帳，流水帳 104. bad debts 壞帳105. investment 投資106. surplus 結(jié)余107. idle capital 游資 108. economic cycle 經(jīng)濟(jì)周期 109. economic boom 經(jīng)濟(jì)繁榮 110. economic recession 經(jīng)濟(jì)衰退111. economic depression 經(jīng)濟(jì)蕭條112. econom

11、ic crisis 經(jīng)濟(jì)危機(jī) 113. economic recovery 經(jīng)濟(jì)復(fù)蘇 114. inflation 通貨膨脹115. deflation 通貨收縮116. devaluation 貨幣貶值117. revaluation 貨幣增值118. international balance of payment 國(guó)際收支119. favourable balance 順差120. adverse balance 逆差121. hard currency 硬通貨122. soft currency 軟通貨123. international monetary system 國(guó)際貨幣制度1

12、24. the purchasing power of money 貨幣購(gòu)買力125. money in circulation 貨幣流通量126. note issue 紙幣發(fā)行量 127. national budget 國(guó)家預(yù)算128. national gross product 國(guó)民生產(chǎn)總值129. public bond 公債 130. stock, share 股票 131. debenture 債券 132. treasury bill 國(guó)庫(kù)券133. debt chain 債務(wù)鏈 134. direct exchange 直接（對(duì)角）套匯135. indirect excha

13、nge 間接（三角）套匯136. cross rate, arbitrage rate 套匯匯率137. foreign currency (exchange) reserve 外匯儲(chǔ)備 138. foreign exchange fluctuation 外匯波動(dòng) 139. foreign exchange crisis 外匯危機(jī) 140. discount 貼現(xiàn)141. discount rate, bank rate 貼現(xiàn)率 142. gold reserve 黃金儲(chǔ)備 143. money (financial) market 金融市場(chǎng) 144. stock exchange 股票交易所

14、145. broker 經(jīng)紀(jì)人 146. commission 傭金147. bookkeeping 簿記 148. bookkeeper 簿記員 149. an application form 申請(qǐng)單150. bank statement 對(duì)帳單151. letter of credit 信用證 152. strong room, vault 保險(xiǎn)庫(kù) 153. equitable tax system 等價(jià)稅則154. specimen signature 簽字式樣155. banking hours, business hours 營(yíng)業(yè)時(shí)間accrual basis權(quán)責(zé)發(fā)生制activi

15、ty ratio營(yíng)運(yùn)比率adversely classified credits不良貸款asset diversification資產(chǎn)多元化asset portfolio資產(chǎn)組合at arms length商業(yè)的/公平的back-office support后臺(tái)支持bad loans呆帳bank portfolio銀行資產(chǎn)banking supervision銀行監(jiān)管Basle Core Principles巴塞爾核心原則be pledged as security抵押borrower借款人calendar-based system期限為基礎(chǔ)的(準(zhǔn)備金制度)CAMEL駱駝評(píng)級(jí)法carrying

16、 value現(xiàn)存價(jià)值cash收付實(shí)現(xiàn)制collection催收Consumer client個(gè)人客戶contingent liabilities或有債務(wù)Corporate client法人客戶credits that are being rolled over展期貸款current liability account流動(dòng)債務(wù)帳戶current ratio流動(dòng)比率debt-for-equity swap債權(quán)轉(zhuǎn)股權(quán)delinquent loan過失貸款directed credits指定貸款disintermediation脫媒（體外循環(huán)）distressed assets有問題資產(chǎn)doubtfu

17、l asset可疑資產(chǎn)earning收益efficiency ratio效率比率financial leverage財(cái)務(wù)杠桿；舉債經(jīng)營(yíng)financial soundness財(cái)務(wù)穩(wěn)健性foreclosed assets沒收的抵押財(cái)產(chǎn)gearing財(cái)務(wù)杠桿；舉債經(jīng)營(yíng)general provison普通準(zhǔn)備金general reserve普通準(zhǔn)備金impaired assests受損害資產(chǎn)interest accrual計(jì)息interest coverage利息償付率interest payments being capitalized利息轉(zhuǎn)本金intra-account內(nèi)部帳戶lending of

18、ficer信貸人員lending policy貸款證策licensing申請(qǐng)?jiān)S可證licensing period申請(qǐng)?jiān)S可證過程write-off沖銷write-up(貸款)批評(píng)報(bào)告loan classification貸款分類loan documentation貸款記錄loan grading貸款分級(jí)loan origination貸款發(fā)放loan restructuring重組貸款loan review貸款檢查loan splitting貸款分割loss loan provisioning呆帳準(zhǔn)備金non-accrual items不計(jì)息項(xiàng)目non-accruals不計(jì)息的non-clas

19、sified未分類的obligator債務(wù)人off-balance sheet表外off-site supervision非現(xiàn)場(chǎng)監(jiān)測(cè)on-site inspection現(xiàn)場(chǎng)檢查on-site visit現(xiàn)場(chǎng)訪問out-of-area loan外地信貸outstanding balance未清償余額overdue逾期pass, overdue, idle & bad loans (POIB)一逾兩呆past due loans逾期貸款pending factor未決因素poorly structured loan結(jié)構(gòu)不合理貸款problem loans有問題貸款Profit and lo

20、ss損益（表）provision準(zhǔn)備金provisioning準(zhǔn)備金提取quick ratio速動(dòng)比率rehabilitationrepayment schedule還款計(jì)劃restructured loans重組貸款risk-weighted asset風(fēng)險(xiǎn)加權(quán)資產(chǎn)ROCA洛卡評(píng)級(jí)法roll-overs展期security enforcement行使抵押權(quán)side agreement附件special mention asset特別提及資產(chǎn)special reserve特殊準(zhǔn)備金specific reserve專項(xiàng)準(zhǔn)備金substandard assets次級(jí)資產(chǎn)suspense accou

21、nt掛帳term loan定期貸款to credit貸記to debit借記trading on equity財(cái)務(wù)杠桿；舉債經(jīng)營(yíng)troubled loan有問題貸款turnover ratio周轉(zhuǎn)比率weak loan低質(zhì)量貸款work out problem核銷有問題財(cái)稅融資金融保險(xiǎn) BANKING AND INSURANCE BUSINESS將原來的高度集中的計(jì)劃金融管理體制改為實(shí)行中央銀行體制, 以人民銀行為領(lǐng)導(dǎo)，專業(yè)銀行為主體，保險(xiǎn)公司、信托投資公司、農(nóng)村信用社、城市信用社、證券公司等多種金融機(jī)構(gòu)并存和協(xié)作的，多層次、多功能的金融組織體系。 The original highly-co

22、ncentrated planned banking managing system is transformed into the Central Bank system, that is , establishing a cooperative, multi-levelled and multi-functioned banking organizational system which is bed by the People's Bank of China, operated with specialized banks as the main body and support

23、ed by insurance companies, trust investment companies, rural credit cooperatives, city credit cooperatives and stock companies.信貸資金運(yùn)行機(jī)制 operational mechanism of credit capitals實(shí)貸實(shí)存 actual loans and deposits融通資金 allocate funds（銀行、商業(yè)、消費(fèi)、國(guó)家、民間）信用 (banking, commercial, consuming, state and non-governmen

24、tal)credits商業(yè)票據(jù) commercial bills國(guó)家/企業(yè)債券 state/enterprises bonds股票 stocks大額定期儲(chǔ)蓄存單 large amount deposit receipts全市初步形成了以同業(yè)資金拆借市場(chǎng)證券市場(chǎng)和外匯調(diào)劑市場(chǎng)為主內(nèi)容的金融市場(chǎng)體系。 A banking market system majored by call markets, stock markets and foreign exchange regulating markets is primarily formed in the Municipality.積極發(fā)揮利率的

25、經(jīng)濟(jì)杠桿作用。擴(kuò)大了計(jì)息范圍劃分了利率種類和檔次實(shí)行區(qū)別利率同時(shí)推行浮動(dòng)利率。 Giving full play to the economic lever function of interest rates. Spheres of interest-reckoning are expanded. differentiated interest rates are carried out b dividing interest rates into various kinds and levels. Floating interest rates are adopted.允許外匯額度和現(xiàn)匯進(jìn)

26、行市場(chǎng)調(diào)節(jié)，價(jià)格隨行就市。 Market regulations of foreign exchange quotas and cash remittances are permitted, and prices are changeable according t changes of the market.統(tǒng)計(jì)結(jié)算和信息傳遞 statistics， account-settling and information transferring風(fēng)險(xiǎn)責(zé)任 risk responsibility社會(huì)保險(xiǎn) social insurance社會(huì)保障 social security社會(huì)福利 social

27、welfare service失業(yè)保險(xiǎn) insurance for the unemployed退休（養(yǎng)老）金 pensions生活待遇 material amenities便民服務(wù) handy service for the public社會(huì)救濟(jì)對(duì)象 people eligible for social relief社會(huì)福利院 social welfare home財(cái)稅融資 TAXATION AND FINANCING財(cái)政 revenue and public financing財(cái)政包干 local governments are responsible for their own fina

28、nce; fiscal contract responsibility system財(cái)稅改革 fiscal and tax reform分稅制 system whereby tax revenues are shared by central and local authorities利稅分流 system whereby state-owned enterprises pay tax plus a percentage of profits累進(jìn)稅率 progressive tax rate稅基 tax base稅種（營(yíng)業(yè)稅、所得稅、增值稅、消費(fèi)稅、流轉(zhuǎn)稅、關(guān)稅） category of ta

29、x(business tax, value added tax VAT,consumption tax, turnover tax, tariff)貨幣投放 money supply融資（項(xiàng)目貸款、債券股票融資、集資、游資、經(jīng)常性貸款、貸款利率、贈(zèng)款、擔(dān)保人） financing(project financing, financing in the form of bonds and stocks, fund raising, idle funds, commercial lending, lending rate, grants, guarantor)信貸額度 line of credit

30、買方信貸/賣方信貸 buyer credits/supplier credits償還期限 repayment terms履約保證金 performance guarantee差額墊支擔(dān)保 provide shortfall payment guarantee優(yōu)惠貸款 soft loan混合信貸 mixed credits寬限期 grace period回流貸款 recycling loan還本付息 repay principle and pay interest on loans回收快 gain quick return回報(bào)率 rate or return (ROR)盈利能力 profitab

31、ility規(guī)模效益 an economy of scale信貸規(guī)模管理（存款準(zhǔn)備金率、中央銀行貸款利率、公開市場(chǎng)業(yè)務(wù)） control over scale of bank credit (reserve ratio on deposits, central bank's lending rates, open market operations)最初設(shè)立該機(jī)構(gòu)是為了執(zhí)行反托拉斯法。制訂該項(xiàng)法律的目的在于防止壟斷和維護(hù)競(jìng)爭(zhēng)。 The agency was originally established to enforce antitrust laws. These laws are d

32、esigned to prevent monopoly and maintain competition.建立保險(xiǎn)金制度和物品儲(chǔ)備制度以便平衡供求關(guān)系。 The system of risk-proof fund and material reserve are designed to balance the supply and demand.經(jīng)過15年的努力，中國(guó)已經(jīng)初步完成了價(jià)格改革，截止到1992年底，靠市場(chǎng)調(diào)節(jié)價(jià)格的商品已占93%。 Following 15 years of effort, China has initially completed prices reform. B

33、y the end of 1992, commodities subject to market regulation have accounted for 93%.進(jìn)一步擴(kuò)大市場(chǎng)機(jī)制的積極作用，以抵消物價(jià)上漲對(duì)人民生活水平帶來的消極影響。 to further expand the positive role of market mechanism in order to offset the adverse influences of price hikes on the living standard of the people.采取靈活措施 exercise flexible meas

34、ures政府頒布詳盡措施打擊欺騙性價(jià)格和暴利，相關(guān)的執(zhí)行細(xì)則將于4月1日生效。新規(guī)定將起到限制與保護(hù)的雙重作用。 The government has enacted sweeping moves/measures against gouging price and staggering/exorbitant/excessive profits, and the related detailed implementation rules will go into effect on 1st of April. The new regulations will play a dual role

35、of restriction and protection.價(jià)格波動(dòng)再次警告我們不要對(duì)糧食價(jià)格掉以輕心。 Price fluctuation once again warned us not to treat the grain price lightly.第一章 香港銀行體制簡(jiǎn)介minimum paid-up share capital 最低實(shí)繳股本reciprocity 互惠corresponding bank 代理行l(wèi)iaison office 聯(lián)絡(luò)辦公室moratorium 延期償付權(quán)l(xiāng)egislation 法規(guī)innovation 改革underwriting 包銷merge 合并p

36、ortfolio 資產(chǎn)組合unit trust 單位投資信托arbitrage 套匯capital adequacy ratio 資本充足率derivative 金融衍生工具maturity 到期日deregulation 放松管制redemption 兌現(xiàn)certificates of indebtedness 債務(wù)證書linked exchange rate 聯(lián)系匯率accounting arrangements 會(huì)計(jì)安排resumption of sovereign 收回主權(quán)holding company 控股公司privileges 特權(quán)第二章 貨幣、銀行與經(jīng)濟(jì)legal tender

37、 法幣medium of exchange 交換媒介deferred payment 延期支付face value 面值mintage 鑄幣homogeneity 同質(zhì)權(quán)fiat money 不兌換紙幣，名義紙幣negotiable certificates of deposits 大額轉(zhuǎn)讓存單narrowly-defined 狹義定義的broadly-defined 廣義定義的required reserve 法定準(zhǔn)備金excess reserve 超額準(zhǔn)備金monetary base 貨幣流通基礎(chǔ)open market operations 公開市場(chǎng)操作auction 拍賣non-inte

38、rvention 不干涉主義net balance 凈差余額advance 貸款retained earnings 留存收益第三章 香港銀行業(yè)監(jiān)管-資本充足率、流動(dòng)性比率和對(duì)銀行業(yè)務(wù)的限制risk-weighted assets 風(fēng)險(xiǎn)加權(quán)資產(chǎn)off-balance sheet items 表外業(yè)務(wù)項(xiàng)目collateral 抵押claims 債權(quán)denominate 面值residual maturity 剩余期限mortgage 住房抵押arrears 拖欠尾數(shù)default 違約on-balance sheet items 表內(nèi)業(yè)務(wù)contingency 意外開支repurchase agr

39、eement 回購(gòu)協(xié)議recourse 追索權(quán)irrevocable 不可撤消rediscounting 在貼現(xiàn)market risk exposure市場(chǎng)風(fēng)險(xiǎn)position 頭寸第四章 國(guó)際銀行業(yè)- 監(jiān)管與市場(chǎng)發(fā)展debt-to-equity ratio 資產(chǎn)負(fù)債比率treasure bond 國(guó)庫(kù)券leasing 租賃money laundering 洗錢treasure bill 國(guó)庫(kù)券bankruptcy 破產(chǎn)credit securitization 信用證券化real time gross settlement 實(shí)時(shí)全額清算off-shore 離岸clearing bank清算行

40、discount house 貼現(xiàn)行privileged position 最優(yōu)惠頭寸building society 建房協(xié)會(huì)Japanese Big Bang 日本金融改革dual banking system 雙軌銀行制度wire transfer 電子轉(zhuǎn)帳第五章 金融機(jī)構(gòu)資本市場(chǎng)與貨幣市場(chǎng)laissez-faire 自由 放任主義negotiable 可流通的installment 分期付款benchmark 基準(zhǔn)利率turnover 成交額outstanding 未付的in favour of 以為受益人promissory note 本票unsecured 無擔(dān)保的prime ra

41、te 最優(yōu)惠利率preference share 優(yōu)先股ordinary share 普通股warrant 認(rèn)股權(quán)current market value 當(dāng)期市值option contract 期權(quán)合同hedging 套期保值Provident Fund 福利基金第六章 銀行清算系統(tǒng)與轉(zhuǎn)帳beneficiary 受益人collecting bank 代收行code 代號(hào)，代碼，密碼uncleared cheque 未清償支票invoice 發(fā)票credit transfer 信用轉(zhuǎn)帳endorsement 背書bearer 持票人defective title 有瑕疵的所有權(quán)down pay

42、ment 首付款traveller's cheque 旅行支票bearer bonds 不記名債券crossed cheque劃線支票countersign 聯(lián)署paying bank 付款行transferable 可轉(zhuǎn)讓holder in due course 正當(dāng)持票人holder in value 有代價(jià)持票人overdue 過期dishonoured cheque 拒付支票repo repurchase agreement 回購(gòu)協(xié)議第七章 面向個(gè)人的銀行業(yè)務(wù)countermand 取消garnishee order 向第三債務(wù)人下達(dá)的資產(chǎn)扣押令winding-up 停業(yè)清理s

43、ecured loan 擔(dān)保貸款overdraft 透支real estate mortgage 房地產(chǎn)抵押chattel mortgage 動(dòng)產(chǎn)抵押in presence of 提示reimbursement 償還withholding interest tax 預(yù)扣稅custodian 保管access 準(zhǔn)入automatic teller machine 自動(dòng)取款機(jī)personal identity number 密碼.個(gè)人識(shí)別號(hào)passbook 存折insurance broker 保險(xiǎn)經(jīng)紀(jì)人hire purchase 租購(gòu)第八章 面向公司的銀行業(yè)務(wù)working capital lo

44、an 周轉(zhuǎn)資金start-up loan 創(chuàng)業(yè)貸款syndicated loan 辛迪加貸款project financing 項(xiàng)目融資foreign trade financing 對(duì)外貿(mào)易融資current assets 流動(dòng)資產(chǎn)accounts receivable 應(yīng)收帳款agent bank 代理行drawdown period 支用期grace period 寬限期principle 本金tombstone 證券發(fā)行公告factoring facilities 保理業(yè)務(wù)open credit 無擔(dān)保貸款factor 保理人lessee 承租人lessor 出租人non-resour

45、se 無追索權(quán)financial lease 金融租賃operating lease 經(jīng)營(yíng)租賃full payout lease 支付租賃true lease 真實(shí)租賃conditional lease 條件租賃leverage lease 杠桿租賃electronic date interchange services 電子數(shù)據(jù)交換服務(wù)第九章 私人銀行業(yè)務(wù)和商人銀行業(yè)務(wù)retail bank 商業(yè)零售銀行private bank 私人銀行merchant bank 商人銀行risk preference 風(fēng)險(xiǎn)偏好risk taking investor 甘冒風(fēng)險(xiǎn)的投資者risk aversi

46、on investor 逃避風(fēng)險(xiǎn)的投資者macroeconomic oriented 以宏觀經(jīng)濟(jì)為導(dǎo)向的equities origination 股票發(fā)行venture capital financing 風(fēng)險(xiǎn)資本融資the spread 價(jià)差interest rate swap 利率互換leverage buyout 杠桿收購(gòu)junk bond 垃圾債券red chips 紅籌股"h" shares H股trustee 受托人第十章 銀行在國(guó)際貿(mào)易中充當(dāng)?shù)慕巧玞ollection 托收production combination 生產(chǎn)聯(lián)合production cost 生

47、產(chǎn)成本comparative advantage 相對(duì)優(yōu)勢(shì)middle agent 中間代理eliminate exchange risk 消除外匯風(fēng)險(xiǎn)shipping insurance 海險(xiǎn)guarantee 擔(dān)保performance bond 履約保證import credit 進(jìn)口信貸第十二章 國(guó)際貨幣交易dividends 分紅money transfer 轉(zhuǎn)帳bank draft 銀行匯票mail transfer 信匯telegraphic transfer 電匯test key測(cè)試密鑰telex 電報(bào)Society for World Inter-bank Financial

48、 Telecommunications環(huán)球銀行間金融電訊協(xié)會(huì)standardized format 標(biāo)準(zhǔn)格式clearing house 結(jié)算所computer code 電腦代碼additional cost 附加成本第十三章 外匯foreign exchange rate 外匯匯率swing 浮動(dòng)spot rate 現(xiàn)匯匯率market rate 市場(chǎng)匯率cross rate 交叉匯率forward exchange contract 遠(yuǎn)期外匯合同currency future contract 貨幣期貨合同quotation 報(bào)價(jià)單rolling forex 展期外匯option on

49、foreign exchange 外匯期權(quán)strike price 執(zhí)行價(jià)格expiry date 到期日call option 多頭期頭put option 空頭期權(quán)foreign exchange hedge 外匯套期保值foreign exchange swap 外匯掉期superannuation 養(yǎng)老基金pension funds 退休基金brokerage fee 經(jīng)紀(jì)人傭金optimum profit 最高收益第十四章 發(fā)放信貸的基本考慮canon 標(biāo)準(zhǔn)illegal activities 非法 行為speculative purpose 投機(jī)目的repayment schedu

50、le 還款安排balance sheet 資產(chǎn)負(fù)債表income statement 利潤(rùn)表long-term loan 長(zhǎng)期貸款country-risk 國(guó)別風(fēng)險(xiǎn)quantitative yardstick 定量的評(píng)判標(biāo)準(zhǔn)credit risk 信用風(fēng)險(xiǎn)risk assessment 風(fēng)險(xiǎn)評(píng)估m(xù)argin 保證金legal authority 法定權(quán)力memorandum and articles of association 公司章程cushion of assets 資產(chǎn)緩沖safe title 所有權(quán)credit reference agency 信用查詢機(jī)構(gòu)credit standi

51、ng 信用狀況第十五章 放款類型consumer loan 消費(fèi)信貸bonus 獎(jiǎng)金gratuity 退休金track record 工作履歷minor's account 未成年人帳戶sole proprietors 獨(dú)資企業(yè)private limited company 私人有限公司public limited company 公共有限公司inter-bank lending /borrowing 同業(yè)拆借the inter-bank money market 同業(yè)拆借市場(chǎng)local currency 本國(guó)貨幣marginal cost 邊際成本inter-bank rate 同業(yè)拆借利率contingency payout 意外支出natural disaster 自然災(zāi)害legal status 法定地位第十一章 外貿(mào)融資documentary credit 跟單信用證documenta