2022年2022年金融英语 2.pdf

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1、inflation通货膨胀deflation通货紧缩tighter credit紧缩信贷monetary policy货币政策foreign 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Treasury bond 财政部公债current-account经常项目pickup in rice物价上涨Federal Reserve美联储buying rate买入价sellin

2、g 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book value 帐面价值physical capital实际资本IPO(initial public offering)新股首发；首次公开发行job machine 就业市场w

3、elfare capitalism福利资本主义collective market cap市场资本总值glolbal corporation跨国公司transnational status跨国优势transfer price转让价格consolidation兼并leverage 杠杆financial turmoil/meltdown金融危机file for bankruptcy申请破产bailout救助名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 1 页，共 20 页 - - -

4、- - - - - - take over收购buy out 购买(某人的 ) 产权或全部货物go under 破产take a nosedive（股市）大跌tumble 下跌falter摇摇欲坠on the hook被套住shore up confidence提振市场信心stave off挡开, 避开,liquidate assets资产清算at fire sale prices超低价sell-off证券的跌价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

5、 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out of circulation退出流通capital stock股本at par以票面价值计electronic banking电子银行banking holding company公司银行the gold standard金本位the Federal Reserve Board联邦储备委员会the stock market crash股市风暴reserve ratio准备金比率division of labor劳动分工com

6、modity 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非流动资产名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 2 页，共 20 页 - - - - - - - - - the liquidity scale流动性指标real estate不动产checking accoun

7、ts,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travelerschecks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 o

8、vernight 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deficit亏损roll展期wholesale 批发default不履约auction 拍卖collateralize担保markup价格的涨幅dealer 交易员b

9、roker 经纪人pension funds养老基金face amount 面值commerical paper商业票据bankers acceptance银行承兑汇票Fed fund 联邦基金eurodollar欧洲美元treasury bills国库券floating-rate浮动比率fixed-rate固定比率default risk拖欠风险credit rating信誉级别tax collection税收money market 货币市场名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - -

10、 - 第 3 页，共 20 页 - - - - - - - - - capital market资本市场original maturity原始到期期限surplus funds过剩基金syndication辛迪加underwrite包销，认购hedge对冲买卖、套期保值innovation到期交易spread 利差principal本金swap掉期交易eurobond market 欧洲债券市场euronote 欧洲票据Federal Reserve Bank (FRB)联邦储备银行unsecured credit无担保贷款fixed term time deposit定期支付存款lead b

11、ank 牵头银行neogotiable time deposit议付定期存款inter-bank money market银行同业货币市场medium term loan 中期贷款syndicated credit银团贷款merchant bank 商业银行portfolio management 有价债券管理lease financing租赁融资note issurance facility票据发行安排bearer note不记名票价underwriting facility包销安排floating-rate note 浮动利率票据bond holder债券持持有者London Interb

12、ank Offered Rate(LIBOR)伦敦同业优惠利率back-up credit line备用信贷额promissory note(P.N.p/n)本票revolving cerdit 循环信用证，即 revolving letter of credit non interest-bearing reserves无息储备金interest rate controls 利率管制interest rate ceiling 利率上限interest rate floor 利率下限破产 insolvency 有偿还债务能力的 solvent 合同 contract 汇率 exchange r

13、ate 私营部门 private sector 财政管理机构 fiscal authorities 名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 4 页，共 20 页 - - - - - - - - - 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 继承税 inheritance tax 货币主义者 monetari

14、est 增值税 VAT (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 rec

15、overy 成本推进型 cost push 货币供应 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 en

16、sure 贴现 discount 萧条的 sluggish 认购 subscribe to 支票帐户 checking 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 名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - -

17、 - 名师精心整理 - - - - - - - 第 5 页，共 20 页 - - - - - - - - - 可以相信的证明 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 bul

18、l 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 capital market 布雷顿森林体系 The Bretton Woods System 经常帐户 current account 套利者 arbitrage

19、r 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（经济人） commission brokers 套期保值 hedge 有价证券平衡理论 portf

20、olio balance theory 名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 6 页，共 20 页 - - - - - - - - - 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

21、 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 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

22、 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 international 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 co

23、mmodity 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 名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 7 页，共 20 页 - - - - - - - - - 贴现率 discount rate 归个人支配的收入 disposable personal income 从业人员 employed pers

24、on 汇率 exchange rate 财政年度 fiscal year 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 merger 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

25、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 mor

26、tgage 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 名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 8 页，共 20 页 -

27、- - - - - - - - 投资银行 investment 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

28、net income gearing证券行业词汇share, equity, stock 股票、股权 ; bond, debenture, debts 债券;negotiable share 可流通股份 ;convertible bond 可转换债券 ;treasury/government bond 国库券 / 政府债券 ;corporate bond 企业债券 ;closed-end securities investment fund 封闭式证券投资基金 ;open-end securities investment fund 开放式证券投资基金 ;fund manager 基金经理 /

29、 管理公司 ;fund custodian bank 基金托管银行 ;market capitalization 市值;p/e ratio 市盈率 ;(price/earning)mark-to-market 逐日盯市 ;payment versus delivery 银券交付 ;clearing and settlement 清算/ 结算;commodity/financial derivatives 商品/ 金融衍生产品 ;put / call option 看跌/ 看涨期权 ;名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - -

30、 名师精心整理 - - - - - - - 第 9 页，共 20 页 - - - - - - - - - margins, collateral 保证金 ;rights issue/offering 配股;bonus share 红股;dividend 红利/ 股息;ADR 美国存托凭证 / 存股证 ;(American Depository Receipt)GDR 全球存托凭证 / 存股证 ;(Global Depository Receipt)retail/private investor 个人投资者 / 散户;institutional investor 机构投资者 ;broker/de

31、aler 券商;proprietary trading 自营;insider trading/dealing 内幕交易 ;market manipulation 市场操纵 ;prospectus 招股说明书 ;IPO 新股/ 初始公开发行 ;(Initial Public Offering)merger and acquisition 收购兼并。会计与银行业务用语 ( 汇总) 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

32、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 original 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 名师资料总结 - - -精品资

33、料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 10 页，共 20 页 - - - - - - - - - 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|bill at usance 长期汇票 long bill 短期汇票 short bill 逾期汇票 overdue bill 宽限日期 days of grace 电汇

34、 telegraphic transfer (T.T) 邮汇 postal order|postal note (Am.)|post office order|money order 本票 promissory note (P/N) 押汇负责书 | 押汇保证书 letter of hypothecation 副保| 抵押品 | 付属担保物 collateral security 担保书 trust receipt|letter of indemnity 承兑| 认付 acceptance 单张承兑 general acceptance 有条件承兑 qualified acceptance 附条

35、件认付 conditional acceptance 部分认付 partial acceptance 拒付| 退票 dishonour 拒绝承兑而退票 dishonour by non-acceptance 由于存款不足而退票 dihonour by non-payment 提交 presentation 背书 endorsement|indorsement 无记名背书 general endorsement|blank endorsement 记名式背书 special endorsement|full endorsement 附条件背书 conditional endorsement 限制

36、性背书 restrictive endorsement 无追索权背书 endorsement without recourse 期满| 到期 maturity 托收 collection 新汇票 | 再兑换汇票 re-exchange|re-draft 外汇交易 exchange dealing|exchange deals 汇兑合约 exchange contract 汇兑合约预约 forward exchange contract 外汇行情 exchange quotation 交易行情表 course of exchange|exchange table 汇价| 兑换率 exchange

37、 rate|rate of exchange 官方汇率 official rate 挂牌汇率 | 名义汇率 nominal rate 现汇汇率 spot rate 电汇汇率 | 电汇率 | T.T. rate|telegraphic transfer rate 兑现率 | 兑现汇率 demand rate 长期汇率 long rate 名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 11 页，共 20 页 - - - - - - - - - 私人汇票折扣率 rate on a pri

38、vate bill 远期汇票兑换率 forward rate 套价| 套汇汇率 | 裁定外汇行情 cross rate 付款汇率 pence rate 当日汇率 | 成交价 currency rate 套汇| 套价| 公断交易率 arbitrage 汇票交割 | 汇票议付 negotiation of draft 交易人 | 议付人 negotiator 票据交割 | 让与支票票据议付 to negotiatie a bill 折扣交割 | 票据折扣 to discount a bill 票据背书 to endorse a bill 应付我差额 51,000美元 a balance due t

39、o us of $51,000|a balance in our favour of $ 51,000 收到汇款 to receive remittance 填写收据 to make out a receipt 付款用语付款方法 mode of payment 现金付款 payment 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

40、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 payment|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 sus

41、pense 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 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 s

42、ettlement|to make effect settlement|to square|to balance 名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 12 页，共 20 页 - - - - - - - - - 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 恳求付帐 to solicit payment 拖延付款 to de

43、fer 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 with payments 付款颇为恶劣 to pay

44、 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 cheque. 我将不得不采取必要步骤运

45、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. 索取利息 to charge intere

46、st 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 from a bank 换取现金

47、 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% 名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 13 页，共 20 页 - - - - - - - - - discount off the price 打折扣购买 to buy at a discount 打折扣出售 to sell at a

48、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 cash 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

49、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) 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

50、, or, less 2% 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.财会名词（1）会计与会计理论会 计accounting 决 策 人Decision Maker 投 资 人Investor 股 东Shareholder 债权人 Creditor 财务会计 Financial Accounting 管理