常用銀行專業(yè)詞匯

1、mergers and acquisitions并購銀行專業(yè)詞匯acquiring company 收購公司bad loan 呆帳chart of cash flow現(xiàn)金流量表clearly-established ownership產(chǎn)權(quán)清晰debt to equity債轉(zhuǎn)股diversity of equities股權(quán)多元化economy of scale 規(guī)模經(jīng)濟emerging economies 新興經(jīng)濟exchange-rate regime 匯率機制全球金融體系全球一體化，全球化fund and financing 籌資融資global financial architecture

2、 global integration, globality go public 上市g(shù)rowth spurt （經(jīng)濟的）急劇增長have one's 'two commas' 百萬富翁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創(chuàng)新企業(yè)intellectual capital智力資本inter-bank lending拆借inter

3、net customer網(wǎng)上客戶investment payoff period投資回收期joint-stock 參股mall rat 愛逛商店的年輕人大病醫(yī)療費用社會統(tǒng)籌means of production生產(chǎn)要素(the)medical cost social pool for major diseasesmobile-phone banking 移動電話銀行業(yè)moods 人氣net potato 網(wǎng)蟲non-store seling直銷offering 新股online-banking網(wǎng)上銀行業(yè)online-finance在線金融online client銀行的）網(wǎng)上客戶paper p

4、rofit帳面收益physical assets有形資產(chǎn)project fund system 項目資本金制度pyramid sale 傳銷recapitalize 資產(chǎn)重組regional corrency blocks地區(qū)貨幣集團regulate 調(diào)控sell off 變現(xiàn)share（stock） option 期權(quán)，股票認(rèn)購權(quán)smart card 智能卡slash prices殺價spare capacity閑置的生產(chǎn)能力strong growth強勁的增長勢頭switch trade轉(zhuǎn)手貿(mào)易take public上市tap the idle assets盤活存量資產(chǎn)財政轉(zhuǎn)移支付tran

5、saction （銀行的）交易transfer payment from the exchequer venture-capital 風(fēng)險資本virtual bank 虛擬銀行wire transfer 電子轉(zhuǎn)帳account number 帳目編號depositor 存戶pay-in slip存款單a deposit form存款單a banding machine自動存取機to deposit 存款deposit receipt存款收據(jù)private deposits私人存款certificate of deposit存單deposit book, passbook存折credit car

6、d 信用卡principal 本金overdraft, overdraw透支to counter sign雙簽to endorse 背書endorser 背書人to cash 兌現(xiàn)to honor a cheque兌付to dishonor a cheque拒付to suspend payment止付cheque,check 支票cheque book 支票本order cheque 記名支票bearer cheque 不記名支票crossed cheque 橫線支票blank cheque 空白支票rubber cheque 空頭支票cheque stub, counterfoil票根cas

7、h cheque 現(xiàn)金支票traveler's cheque旅行支票cheque for transfer轉(zhuǎn)帳支票outstanding cheque未付支票canceled cheque已付支票forged cheque 偽支票Bandar's note 莊票，銀票banker 銀行家president 行長savings bank 儲蓄銀行Chase Bank 大通銀行National City Bank of New York花旗銀行Hongkong Shanghai Banking Corporation匯豐銀行Chartered Bank of India, Aust

8、ralia and China麥加利銀行Banque de I'IndoChine 東方匯理銀行central bank, national bank, banker's bank中央銀行bank of issue, bank of circulation發(fā)行幣銀行commercial bank 商業(yè)銀行，儲蓄信貸銀行member bank, credit bank 儲蓄信貸銀行discount bank 貼現(xiàn)銀行exchange bank 匯兌銀行requesting bank 委托開證銀行issuing bank, opening bank開證銀行advising bank

9、, notifying bank通知銀行negotiation bank 議付銀行confirming bank 保兌銀行paying bank 付款銀行associate banker of collection代收銀行consigned banker of collection委托銀行clearing bank清算銀行l(wèi)ocal bank 本地銀行domestic bank 國內(nèi)銀行overseas bank 國外銀行unincorporated bank錢莊branch bank 銀行分行trustee savings bank 信托儲蓄銀行trust company 信托公司finan

10、cial trust金融信托公司unit trust信托投資公司trust institution銀行的信托部credit department銀行的信用部commercial credit company(discount company)商業(yè)信貸公司（貼現(xiàn)公司）neighborhood savings bank, bank of deposit街道儲蓄所credit union 合作銀行credit bureau 商業(yè)興信所self-service bank無人銀行l(wèi)and bank 土地銀行construction bank建設(shè)銀行industrial and commercial ba

11、nk工商銀行bank of communications 交通銀行mutual savings bank互助儲蓄銀行post office savings bank郵局儲蓄銀行mortgage bank, building society抵押銀行industrial bank實業(yè)銀行home loan bank 家宅貸款銀行reserve bank 準(zhǔn)備銀行chartered bank 特許銀行corresponding bank 往來銀行merchant bank, accepting bank承兌銀行investment bank 投資銀行import and export bank (E

12、XIMBANK)進出口銀行joint venture bank合資銀行money shop, native bank 錢莊credit cooperatives信用社clearing house 票據(jù)交換所public accounting 公共會計business accounting 商業(yè)會計cost accounting 成本會計depreciation accounting折舊會計computerized accounting 電腦化會計general ledger總帳subsidiary ledger分戶帳cash book 現(xiàn)金出納帳cash account 現(xiàn)金帳journal,

13、 day-book 日記帳，流水帳bad debts 壞帳investment 投資surplus 結(jié)余idle capital 游資economic cycle 經(jīng)濟周期economic boom 經(jīng)濟繁榮economic recession 經(jīng)濟衰退economic depression 經(jīng)濟蕭條economic crisis 經(jīng)濟危機economic recovery 經(jīng)濟復(fù)蘇inflation通貨膨脹deflation通貨收縮devaluation貨幣貶值revaluation貨幣增值international balance of payment國際收支favourable bala

14、nce 順差adverse balance 逆差hard currency 硬通貨soft currency軟通貨international monetary system國際貨幣制度the purchasing power of money貨幣購買力money in circulation貨幣流通量note issue 紙幣發(fā)行量national budget 國家預(yù)算national gross product國民生產(chǎn)總值public bond 公債stock, share 股票debenture 債券treasury bill國庫券debt chain 債務(wù)鏈direct exchange 直接（對角）套匯indirect exchange 間接（三角）套匯cross rate, arbitrage rate套匯匯率foreign currency (exchange) reserve外匯儲備foreign exchange fluctuation外匯波動foreign exchange crisis外匯危機discount 貼現(xiàn)discount rate, bank rate貼現(xiàn)率gold reserve 黃金儲備money (financial) market金