花旗银行产品介绍--Cash Products

花旗集团：无微不至的EAP福利文/郑瑶琳花旗集团（Citigroup）是享誉世界、全球领先、业务门类齐全的全能金融服务集团。

花旗历经三个演变阶段：1812年花旗银行创立，1968年改制成银行控股公司花旗公司，1998年由花旗公司与旅行者集团合并演变而成花旗集团。

花旗在全球140多个国家开展业务，约为二亿客户提供服务，包括个人、机构、企业和政府部门，提供广泛的金融产品服务，从消费银行服务及信贷、企业和投资银行服务，以至经纪、保险和资产管理。

在2009年度《财富》公布的世界500强公司名单中，花旗集团位列第39位，资产达193,847,000万美元，营业收入达11,237,200万美元，拥有员工324,850人。

一、花旗文化造就EAP福利强大领先的企业，往往不仅有坚不可摧的硬实力，而且有所向披靡的软实力。

花旗为其员工提供了无所不包、无微不至的EAP福利，究其原因，在于花旗独特的企业文化，在于花旗对快乐员工和良好工作环境的重视。

1．花旗的员工哲学员工哲学又称员工观、员工管理哲学，是为了解决“怎么看待自己的员工”这一人力资源管理的根本问题。

花旗集团自成立以来就秉持着“不断创新，因为开心”的企业精神，信奉“没有快乐的员工就不会有满意度高的员工，就无法提供令客户满意的服务；把员工看成上帝，员工才会把顾客看作上帝”的员工哲学。

花旗一直把员工作为自己取得成功的最关键因素，把员工摆在第一位。

花旗认为，无论是过去、现在还是将来，无论对客户而言还是对股东而言，员工都是金融集团最重要的资产。

2．重视工作环境花旗集团致力于建设一种良好的工作环境：在这里，不同的个性都能获得尊重与赞美，人们能够被激励而奉献出他们的全部智慧。

花旗注重营造“事业留人、待遇留人、感情留人”的亲情化工作氛围，为员工提供一个良好的发展平台，促进员工与企业同步成长进步，让员工在花旗拥有“成就感”和“家园感”。

二、无微不至的EAP福利花旗无微不至的EAP福利为员工提供“父母政策”，令员工在事业有所成就的同时，能够关注孩子照顾家庭，达到工作与生活的平衡；花旗无微不至的EAP福利为员工制定“健康促进计划”，使员工在勤勤恳恳工作之外，能够锻炼身体注重营养，拥有健康良好的生活方式；花旗无微不至的EAP福利还帮助员工建设“员工俱乐部”，让员工在为公司努力创造财富之余，能够融入组织丰富生活，获得潜能的开发和自我的提升。

信息源：公司概况：60年代推出第一款硬币处理设备，之后推出纸币处理设备，并慢慢发展其他自动支付设备。

总部设在美国，MEI曾是Mars，Inc 旗下的公司，与2006年6月独立。

每周有20亿次的交易量。

产品范围：主营自动交易设备，包括纸币和硬币处理，及其他自助支付设备产品型号和特点：品牌产品有CASHFLOW®，Conlux®，MEI®，GEO ®，SODECO，VTI Conlux为日本的公司，2003年被收购。

主要客户和行业：游戏博彩、自动售货、零售和运输赌场分额比较大，在拉斯维加斯和伊利诺斯维修有维修点，已知有HAPP公司在做维修和售后。

（该公司还做JCM，Cashcode纸币识别器维修）代理公司：东南亚唯一总代理深圳市凯得自动付款系统有限公司，独家特许经营商，除销售外还负责售后服务的维修、技术支持在北京、上海、深圳、广州设有办事处销售地区：按地域不同划分大区，亚太区总部在北京销售方式上采用的是按区域划分，由销售经理促进销售的销售策略。

发展动向：SODECO系列产品为复杂多功能纸币识别模块（大模块），主要应用于零售业和交通业，其主要市场方向为高额产品销售设备；目前只在轨道系统有案例。

技术人员称其产品已经达到金融系统技术要求，但成功案例不多。

产品主要集中在小模块：MEI®系列纸币识别模块（小模块）和CASHFLOW®系列硬币处理模块。

用于游戏博彩、自动售货产品多功能支付是发展趋势产品分析：MEI按照地域不同，根据市场推出不同的产品1.在中国分为4块：售货机，博彩，零售，交通1.1售货机推广模块分为硬币管理器与纸币接收器硬币主推MEI CASHFLOW® 7000系列、Conlux CCM5G特点：5条钱管集合硬币接收，找零实时读取数量交易数据记录，诊断功能纸币接收为MEI VN2600特点：可靠，低阻塞率，较少售后服务定期升级容量500张的钞箱防钓现Coupon application？支持RMB1，5，10，20暂存一张1.2博彩市场模块分为纸币接收器，硬币接收，支持工具纸币接收为CASHFLOW® SC系列和GEOGEO专供casino and amusement，无须堆叠，是MEI提供技术，与另一家公司合作的品牌SC83特点：•Widely deployed in casinos throughout the Americas, Europe and Asia•Highest first-time bill acceptance rates in the industry with unsurpassed counterfeit detection technology maximizes uptime and customer throughput•Proven market leading in-field jam performance ensures highest reliability levels •Secure cash storage within advanced polymer alloy cassette designed to withstand frequent and rough handling•Lowest jam rate ensures market leading uptime results, and maximizes operator profitability•Lockable removable cashbox ensures high security•Rapid fraud response through online or local updates•Multi-Width banknote acceptance up to 85mm suitable for most global currencies •Extended range of consumer interfaces available, including EBDS, Netplex, and USB硬币主推MEI CASHFLOW® 9500支持工具STS/PPM"Portable Programming Module" and "Support Tool Suite"1.3零售市场模块分为纸币接收器，硬币找零，硬币接收纸币接收器：CASHFLOW® SC系列，SODECO系列产品特点硬币找零模块为CASHFLOW® 7900系列MEI CASHFLOW 690产品特点：690的双色硬币识别技术4个钱管handling dual coin sets？硬币找零模块为CASHFLOW® 9500产品特点5" coin acceptor ideal for self service kiosks where footprint and ease of integration are the priority. Widely deployed within self checkout and kiosk applications globally.•Widely deployed global coin acceptor - ideal for Self Checkout, kiosk Self Service and other demanding environments•Remote download capability ensures easy software upgrades for new coins•Superior sensing technology ensures highest level of security including discrimination of bicolor coin technology•Accepts up to 22 coin denominations•Multiple interface, voltage and mounting options•Available alone, or with 4 and 8 way separation options•Automatic coin population adjustment•Lowest cost of ownership with quick and easy product configuration using iButton and MEI CPM (Cashflow Programming Module)1.4交通市场模块分为大规模运输纸币接收器，大规模运输硬币产品，停车场纸币接收器，停车场硬币设备大规模运输纸币接收器：SODECO系列产品特点大规模运输硬币产品：MEI CASHFLOW® 7000系列、CASHFLOW® 9500产品特点停车场纸币接收器：CASHFLOW® SC系列，SODECO系列停车场硬币设备：MEI CASHFLOW® 7000系列、CASHFLOW® 950 还需要分析其他地域的产品产品特点:•可靠，低阻塞率，结构坚固可用于户外•流通币高识别率•高防伪•支持远程下载和诊断•全球服务，价格便宜美洲地区:售货机,赌场,零售,交通,娱乐1．售货机: Bill Validators&Coin Mechs，Cashless2．赌场业：纸币模块，支持工具，没有硬币型号同国内3．零售业：市场方向为三个，源自网站的产品调查：/global/americas/retail/retail_products/recommend_a_product/?region=/ usa/1）．自服设备如自助支付设备，自动拍照机，命令输入支付终端，高级A TM，自动存款系统，水泵支付系统等。

常见银行英语词汇中央银行：中国人民银行,Peopｌe\'s Bank ｏf Chｉｎa, PBC四大国有商业银行：中国银行, Bank ｏf Ｃhina,BOＣ中国工商银行, Ｉndustrial aｎd Commercial Baｎk ｏf China, ICBC中国农业银行, AgricultuｒaｌBank ｏｆＣhina, ABC中国建设银行, ChｉｎａConｓtructiｏn Bank,CＣB政策性银行:国家开发银行，Chｉna Dｅveloｐｍｅnt Bank, CＤB中国农业发展银行，AgｒiｃultｕraｌDeｖelopｍenｔBanｋof Cｈiｎa, ADBC 中国进出口银行，ThｅEｘport-Iｍport Bａｎk of Chinａ, ChinａEｘimｂanｋ股份制商业银行:招商银行, China Merchａnts Bank, ＣMＢ交通银行，Ｂaｎk of Coｍmｕnicａtｉonｓ中国光大银行，China Everｂｒiｇｈt Bａnk, ＣEBB中国民生银行, ChinａMinsheng Ｂanking CorｐｏｒatioｎＬtd., ＣMBC华夏银行, Hua Xｉa Bａnk, ＨXＢ中信银行, Chiｎa CＩTＩＣBａnk兴业银行, Ｉndusｔriａl Ｂank, CIB上海浦东发展银行, Shanghai Pｕｄong DevelopmｅnｔBank, SＰDB 或ＳＰD BANK 广东发展银行, Guaｎgdｏng Develoｐｍｅnt Bank, GDB深圳发展银行，Sｈenzhen ＤｅvｅｌｏpmenｔＢank，ＳDB厦门国际银行,XｉamｅnＩnｔerｎaｔional Bank,XIB投资银行:中国国际金融有限公司，Cｈina InｔernationaｌＣａpital Coｒｐoration Lｉmiteｄ, CIＣC 世界各大银行中国银行Bank ｏｆCｈina 中国汇丰银行Honｇkoｎg and Shanghａi ＢａnkinｇCoｒp．香港ﻫ里昂信贷银行Cｒeｄit Lyonnais 法国巴黎国民银行Banque NaｔionalｅdeＰarｉs法国ﻫ农业信贷国民银行de Caisse Nａt ｉonａlｅCredｉｔAgrｉｃoｌe法国西太平洋银行公司WｅｓtpａｃBanｋing 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Ｄeｌle ProvinciｅＬoｍbａｒdｅ意大利ﻫ西亚那银行Ｍoｎte ＤeｉPａschi ＤｉSienａ意大利意大利商业银行Baｎｃa ＣｏmｍercialｅItalｉａｎa 意大利意大利信贷银行Cｒｅdito Itaｌiano 意大利多伦多自治领银行Torｏnto-Dominion Banｋ加拿大加拿大帝国商业银行Ｃａｎadiａn IｍｐeriaｌBａnk of Cｏmｍerｃe 加拿大加拿大皇家银行Royal Bａnｋｏf Ｃanadａ加拿大荷兰农业合作社中央银行Cooperatieve Centraｌe Raiffeｒsｓｅn-Boerｅnleenbank 荷兰ﻫ荷兰通用银行AlgemｅnｅBanｋNeｄerlaｎｄ荷兰ﻫ瑞士联合银行Unｉon Bａｎk of Ｓwitzerlanｄ瑞士瑞士信贷银行CredｉｔSｕｉssｅ瑞士瑞士银行公司ＳｗisｓBａnk Ｃｏrp. 瑞士XXX(银行名称)，ＧUAＮGZHOU BRANCＨ，XＸX ＲOＡD SＵBBＲＡＮCＨ银行术语acｃoｕnt nuｍber 帐号depｏsiｔｏr存户pａｙ-iｎｓlｉp 存款单a deposｉｔfｏrｍ存款单ａbaｎdiｎg machinｅ自动存取机to deｐｏsｉt 存款depoｓiｔrｅceipｔ存款收据ｐriｖate depositｓ私人存款certiｆicaｔe of ｄepoｓｉt存单ｄepｏsiｔbook, paｓsbook 存折credit ｃard 信用卡princｉｐal 本金ovｅrdｒaｆｔ,overdraw 透支ｔo counter ｓｉgn双签tｏｅndorｓe 背书eｎｄoｒsｅr 背书人ｔｏcash 兑现to hoｎoｒa cｈeqｕe 兑付to diｓhonor a cｈeque 拒付ｔｏｓuｓpｅnd pａyｍeｎt 止付ｃｈｅque,chｅck 支票cｈeqｕe book 支票本ｏｒｄerｃｈeque 记名支票beareｒcheqｕe 不记名支票croｓsｅd cｈeque 横线支票bｌank cheque 空白支票ruｂbeｒchequｅ空头支票ｃheｑue sｔub，cｏunterfoil 票根ｃaｓh chequｅ现金支票ｔraveleｒ's cｈeｑue 旅行支票ｃheque fｏr trａnｓfer 转帐支票oｕtsｔａｎding cheque 未付支票ｃanceｌeｄchequｅ已付支票forgｅd chｅquｅ伪支票Banｄaｒ's noｔe 庄票,银票banｋer 银行家presidenｔ行长ｓaviｎgs banｋ储蓄银行central ｂａnｋ, ｎationａlｂａｎk, banker'ｓbank 中央银行ｂank ofｉssuｅ, bankｏｆcｉrｃｕlatｉon 发行币银行cｏmmercｉaｌｂａnk 商业银行，储蓄信贷银行meｍｂerｂａｎk,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advisinｇbank，ｎotｉfyiｎg bank 通知银行nｅｇotiａtion ｂａnk 议付银行coｎｆirmｉng banｋ保兑银行payｉｎｇbａｎk 付款银行aｓｓociate bankeｒoｆcolｌecｔｉon 代收银行consｉgned ｂanker of colｌecｔｉon 委托银行clearinｇbaｎk清算银行locaｌｂank 本地银行ｄoｍestic bank 国内银行oｖerｓeａｓbａnk 国外银行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 ｃreｄｉtｃompaｎｙ(discounｔcomｐany）商业信贷公司(贴现公司) neighｂoｒhｏod savingｓbaｎk，bank ｏf dｅpｏsiｔ街道储蓄所ｃreditｕnion 合作银行ｃreｄit buｒeaｕ商业兴信所selｆ－ｓｅrvｉｃｅbank 无人银行land ｂａnk 土地银行mutｕaｌｓavｉnｇｓbank互助储蓄银行post ofｆｉcｅｓaｖings bａnk 邮局储蓄银行mｏrtgａge ｂａnｋ,buildinｇsoｃiety抵押银行iｎdｕｓｔｒiaｌbａnｋ实业银行home loaｎbank 家宅贷款银行reｓerveｂank 准备银行chaｒｔｅｒed bａnk 特许银行ｃorｒｅｓpondｉng bank 往来银行merchantｂａnk，aｃceｐtinｇbaｎｋ承兑银行ｉnvｅstment bａnk 投资银行imporｔanｄexｐort bank (EXIMBＡNＫ) 进出口银行joinｔventurｅbank 合资银行mｏney ｓhoｐ，nativｅｂank 钱庄cｒｅｄit cｏoｐｅｒaｔｉves信用社ｃleａrｉng house 票据交换所puｂlｉc ａｃcounting 公共会计bｕsiｎess accoｕnｔing 商业会计coｓt accouｎtｉng 成本会计deｐreｃiation aｃcｏｕnｔinｇ折旧会计ｃoｍputerized acｃouｎｔiｎg电脑化会计geneｒａｌledger 总帐ｓubsｉdiaｒy lｅｄger分户帐ｃasｈbｏok 现金出纳帐casｈａcｃoｕnt现金帐jｏurｎal，day－book 日记帐,流水帐bａd debtｓ坏帐invesｔment 投资suｒplus 结余idle caｐｉtaｌ游资ecoｎoｍｉc cｙcle经济周期ecoｎｏmｉc boｏm 经济繁荣ｅconomｉc reｃessiｏn 经济衰退ｅcｏnomiｃdｅpｒession 经济萧条ｅcｏnomｉc criｓis 经济危机ｅconoｍｉc recovery 经济复苏ｉnflatiｏｎ通货膨胀deflaｔiｏn 通货收缩ｄevaluａtioｎ货币贬值rｅvaｌuａtion 货币增值ｉnteｒnatｉｏｎal balanｃe oｆpａｙmeｎｔ国际收支ｆavouｒable ｂalaｎce顺差ａdvｅｒsｅｂalance 逆差hard cｕｒrency 硬通货ｓoft cｕrreｎcy软通货ｉｎteｒｎatiｏnal mｏｎｅtarｙsystｅm 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 budｇｅt 国家预算national gross prｏduct 国民生产总值puｂlic bｏnd公债stock, sharｅ股票dｅbｅｎｔure债券ｔｒeasury biｌl 国库券debｔｃｈaｉn 债务链dｉｒecｔexchange 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 贴现ｄiｓcounｔｒate，bankｒａte 贴现率ｇｏlｄreｓｅrvｅ黄金储备monｅy (finaｎciaｌ）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aｎapｐlicatiｏn fｏrm 申请单bａnkｓｔａｔemｅｎｔ对帐单ｌeｔteｒof credit信用证stｒong rｏom, vault 保险库eｑｕiｔａbｌe tax sｙsteｍ等价税则speｃimeｎsigｎａｔｕｒe 签字式样banking ｈouｒs, ｂusinｅss hours 营业时间XXＸ(银行名称)，GUＡNGＺHOＵＢRAＮCH，XXX ROAD SＵＢBRAＮCＨ银行英语口语－新开帐户Whａｔkｉnｄof ａccoｕｎt didｙou have ｉn your mind?你想开哪种帐户?Dｏyou like to oｐeｎa current aｃcoｕnｔ?你想开一个活期存款帐户吗?A depositｏｒcurreｎt aｃcounｔ?定期还是活期?Plｅａse tｅll mｅｈｏw you would like to depｏsit yｏuｒmoｎey.请告诉我你想存何种户头?Theｒe's a seｒvicｅcharｇe fｏr theｃhecking accｏunｔbut no cｈaｒｇe fｏr the saｖings.支票户头要收服务费，现金户头不收。

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 主动存取机deposit receipt 存款收据certificate of deposit 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Bandar's note 庄票，银票president 行长Chase Bank 大年夜通银行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 I'IndoChine 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 托付开证银行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 collection 代收银行consigned banker of collection 托付银行clearing bank 清理银行unincorporated bank 钱庄branch bank 银行分行trustee savings bank 信任储蓄银行trust company 信任公司financial trust 金融信任公司unit trust 信任投资公司trust institution 银行的信任部credit department 银行的信用部commercial creditcompany(discount company) 贸易信贷公司（贴现公司）neighborhood savings bank, bank of deposit 街道储蓄所credit union 合作银行credit bureau 贸易兴信所land bank 地盘银行construction bank 扶植银行industrial and commercial bank 工商银行bank of communications 交通银行mutual savings bank 合作储蓄银行post office savings bank 邮局储蓄银行mortgage bank, building society 典质银行industrial bank 实业银行home loan bank 家宅贷款银行reserve bank 预备银行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 合伙银行money shop, native bank 钱庄credit cooperatives 信用社clearing house 单子交换所depreciation accounting 折旧管帐computerized accounting 电脑化管帐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 节余idle capital 游资economic boom 经济繁华economic recession 经济阑珊economic depression 经济萧条economic recovery 经济清醒devaluation 泉币贬值revaluation 泉币增值international balance of payment 国际进出favourable balance 顺差adverse balance 逆差hard currency 硬通货soft currency 软通货international monetary system 国际泉币轨制the purchasing power of money 泉币购买力money in circulation 泉币流畅量note issue 纸币发行量national gross product 公平易近临盆总值public bond 公债stock, share 股票debenture 债券treasury bill 国库券debt chain 债务链direct exchange 直截了当（对角）套汇indirect exchange 间接（三角）套汇cross rate, arbitrage rate 套汇汇率foreign currency (exchange) reserve 外汇贮备foreign exchange fluctuation 外汇波动foreign exchange crisis 外汇危机discount rate, bank rate 贴现率gold reserve 黄金贮备money (financial) 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 营业时刻常见职位、职务英文译名Accounting Stall管帐部人员Accounting Supervisor管帐主管Administrative Clerk行政干事员Advertising Staff告白工作人员Airlines Sales Representative航空公司定座员Assistant Manager副经理Bond Analyst证券分析员Bond Trader证券交易员Business Controller营业主任Business Manager营业经理Cashier出纳员Civil Engineer土木工程师Clerk/Receptionist人员／接待员Copywriter告白文字撰稿人Deputy General Manager 副总经理Economic Research Assistant经济研究助理Electrical Engineer电气工程师Engineering Technician工程技巧员English Instructor/Teacher 英语教师Export Sales Manager外销部经理Financial Controller财务主任F.X.(Foreign Exchange) Clerk外汇部人员F.X.Settlement Clerk外汇部核算员Fund Manager财务经理General Auditor审计长General Manager/President 总经理Hardware Engineer（运算机）硬件工程师Import Liaison Staff进口联络员Insurance Actuary保险公经理赔员International Sales Staff 国际发卖员Legal Adviser司法参谋Line Supervisor临盆线主管Maintenance Engineer修理工程师Management Consultant治理参谋Manufacturing Engineer制造工程师Market Analyst市场分析员Market Development Manager市场开创部经理Marketing Executive发卖主管Marketing Representative 发卖代表Marketing Representative Manager市场调研部经理Mechanical Engineer机械工程师Mining Engineer采矿工程师Naval Architect造船工程师Office Clerk人员Operational Manager营业经理Package Designer包装设计师Passenger Reservation Staff乘客票位预订员Plant/Factory Manager厂长Promotional Manager倾销部经理Proof-reader校订员Purchasing Agent采购（进货）员Real Estate Staff房地产人员Recruitment Coordinator雇用调和人Regional Manger地区经理Sales Coordinator发卖调和人School Registrar黉舍注册主任Securities Custody Clerk 保安人员Senior Consultant/Adviser 高等参谋Simultaneous Interpreter同声传舌人Trade Finance Executive 贸易财务主管Trainee Manager培训部经理Trust Banking Executive 银行高等人员常用金融英语词汇的翻译acquiring company 收购公司bad loan 呆帐chart of 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 范畴经济emerging economies 新兴经济exchange-rate regime 汇率机制fund and financing 筹资融资global financialarchitecture 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have one's "two commas" 百万财主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 初次公募innovative business 立异企业intellectual capital 智力本钱inter-bank lending 拆借internet customer 网上客户investment payoff period 投资收受接收期joint-stock 参股mall rat 爱逛市廛的年青人means of production 临盆要素(the)medical cost social pool for major diseases 大年夜病医疗费用社会兼顾mergers and acquisitions 并购mobile-phone banking 移动德律风银行业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 fund system 项目本钱金轨制pyramid sale 传销recapitalize 资产重组regional corrency blocks 地区泉币集团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 闲置的临盆才能strong growth 强劲的增长势头switch trade 转手贸易take…public上市tap the idle assets 盘活存量资产transaction （银行的）交易transfer payment from the exchequer 财务转移付出venture-capital 风险本钱virtual bank 虚拟银行wire transfer 电子转帐国际管帐术语英汉对比Account 帐户American Institute of CPAs 美国注册管帐师协会Audit 审计Balance sheet 资产负债表Bookkeepking 簿记Cash flow prospects 现金流量推测Certificate in Internal Auditing 内部审计证书Certificate in Management Accounting 治理管帐证书Certificate Public Accountant 注册管帐师External users 外部应用者Financial accounting 财务管帐Financial Accounting Standards Board 财务管帐准则委员会Financial forecast 财务推测Generally accepted accounting principles 公认管帐原则General-purpose information 通用目标信息Government Accounting Office 当局管帐办公室Income statement 损益表Institute of Internal Auditors 内部审计师协会Institute of Management Accountants 治理管帐师协会Integrity 整合性Internal auditing 内部审计Internal control structure 内部操纵构造Internal Revenue Service 国内收入署Return of investment 投资回报Return on investment 投资待遇Securities and Exchange Commission 证券交易委员会Statement of cash flow 现金流量表Statement of financialposition 财务状况表Tax accounting 税务管帐Accounting equation 管帐等式Articulation 勾稽关系Business entity 企业个别Capital stock 股本Cost principle 成来源差不多则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 连续经营假设Liabilities 负债Negative cash flow 负现金流量Operating activities 经营活动Owner's equity 所有者权益Partnership 合股企业Positive cash flow 正现金流量Retained earning 留存利润Revenue 收入Sole proprietorship 独资企业Solvency 了债才能Stable-dollar assumption 稳固泉币假设Stockholders 股东Stockholders' equity 股东权益Window dressing 门面掩盖经济金融术语汉英对比表按可比口径on comparable basis按轻重缓急to prioritize暗补implicit subsidy暗亏hidden loss揭橥营业执照to license;to grant a licence to解决存款营业to take deposits爱护农平易近的临盆积极性to protect farmers'incentive to produce备付金（超额预备金）excess reserves本外币并账consolidation of domestic and foreign currencyaccounts本外币对冲操作sterilization operation本位好处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币种搭配欠妥currency mismatch 币种构成currency composition变相社会合资disguised irregular（or illegal）fund raising表外科目（营业）off-balance-sheet items （operation）脆弱环节weaknesses;loopholes不变成本fixed 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 财务赤字fiscal deficit财务挤银行fiscal pressure on the central bank（over monetary policy）财务政策与泉币政策的合营coordination of fiscal and monetary policies采取循序渐进的方法in a phased and sequenced manner操作弹性operational flexibility把持汇率to manipulate exchange rate产品构成product composition;product mix产品积存stockpile;excessive inventory产销率current period inventory;（即期库存，不含前期库存）sales/output ratio产销连接marketability家当政策industrial policy经久国债treasury bonds敞口头寸open position炒股to speculate in the stock market 承购包销underwrite （securities）成套机电产品complete sets of equipment;complete plant （s）都市信用社urban credit cooperatives（UCCs）都市合作银行urban cooperative banks;municipal united banks都市贸易银行municipal commercial banks城乡居平易近收入增长跨过物价涨幅real growth in household income连续升温persistent overheating反复布点duplicate projects 重置成本replacement cost 重组筹划restructuring plan 筹资渠道funding sources;financing channels初见成效initial success出口同一治理、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，前者包含活期存款，后者不包含。

银⾏业务英⽂描述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to deposit 存款deposit receipt 存款收据private deposits 私⼈存款certificate of deposit 存单deposit book, passbook 存折credit card 信⽤卡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 空⽩⽀票rubber cheque 空头⽀票cheque stub, counterfoil 票根cash cheque 现⾦⽀票traveler's cheque 旅⾏⽀票cheque for transfer 转帐⽀票outstanding cheque 未付⽀票canceled cheque 已付⽀票forged cheque 伪⽀票Bandar's note 庄票，银票banker 银⾏家president ⾏长savings bank 储蓄银⾏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 I'IndoChine 东⽅汇理银⾏central bank, national bank, banker's bank 中央银⾏bank of issue, bank of circulation 发⾏币银⾏commercial bank 商业银⾏，储蓄信贷银⾏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 collection 代收银⾏consigned banker of collection 委托银⾏clearing bank 清算银⾏local bank 本地银⾏domestic bank 国内银⾏overseas bank 国外银⾏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（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self-service bank ⽆⼈银⾏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industrial 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public accounting 公共会计business accounting 商业会计cost accounting 成本会计depreciation 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investment 投资surplus 结余idle capital 游资economic cycle 经济周期economic boom 经济繁荣economic recession 经济衰退economic depression 经济萧条economic crisis 经济危机economic recovery 经济复苏inflation 通货膨胀deflation 通货收缩devaluation 货币贬值revaluation 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 budget 国家预算national gross product 国民⽣产总值public bond 公债stock, share 股票。

Aabsorption of costs 成本分配accesibility 可进入性accessory equipment markets 附属设备市场account management policies 客户管理策略acquisition new-product development strategy 新产品开发收购战略activity-based costing 以活动为基础的成本系统adaptation to market variations 适应市场变化adaptive positioning 适应性定位additions to existing product lines 现有产品线的增加adequate size 准确的大小/足够的规模administered vertical marketing systems 管理式垂直营销系统administrative relationships 管理关系adopter categories 采购者的类型adoption process 采购过程advertising and market segmentation 广告与市场细分advertising and sales promotion 广告和销售促进advertising effects 广告效果advertising ethics 广告伦理道德advertising feedback 广告反馈advertising frequency 广告频率advertising media 广告媒体advertising message 广告信息advertising reach 广告接受人数advertising source 广告信息来源aerobic enthusiasts 增氧健身运动爱好者affinity club 同族俱乐部after tests 事后测试agent middleman 代理商agent/merchant middleman 代理中间商allowance 折让alteration 退换AMA Code of Ethics 美国营销协会职业道德标准analysis of data 数据分析analyzer strategy 分析者战略Anderson 安达信annual marketing plan 年度营销计划annual requirement purchasing arrangement 年度采购需求计划anticipatory positioning 预见性定位anti-pollution legislation 反污染立法anti-trust legislation 反托拉斯立法Apple Computers 苹果电脑area structure 地区结构aspiration/expectation level 渴望/期望水平aspirations of consumers 消费者渴望assurance 保证AT&T 美国电报公司ATM <automatic teller machine> 银行自动柜员机attitudes of consumers 消费者态度attributes 属性audiences 受众auto repair 汽车维修automation services 自动服务automobile industry 汽车产业autonomy 自主权availability 可获得性/供货能力avante guardian 前卫派Avon 雅芳awareness 〔产品知晓度/知名度Bbaby boomers 婴儿潮出生的一代人backward channels for recycling 回收的后向渠道backward integration 后向垂直一体化banner advertisements 横幅标语广告bar codes 条形码barter 实物交易basic physical needs 基本生理需要Bausch & Lomb 博士伦BCG Grow-Share Matrix 波士顿增长-份额矩阵before tests 事前测试Behavior Scan Information Resources Inc. 行为扫描信息源公司behavioural analysis 行为分析behavioural hierarchies 行为层级benchmarking 基准benefit clusters 利益群体benefits 利益Benz 奔驰billing 帐单biological revolution 生物革命birth rate 出生率blanket purchase order 一揽子采购合同blind-paired comparison testing 双盲比较测试Blockbusterblue collars 蓝领BMW 宝马Boeing 波音bottom line 底线/盈亏一览结算线brand awareness 品牌意识/认知brand extensions 品牌扩展brand loyalty 品牌忠诚度brand mark 品牌标志brand name 品牌名称brand positioning 品牌定位brand recognition 品牌识别brand strategies 品牌战略brand 品牌branding strategy 品牌化战略branding 品牌化brand's equity 品牌的价值break-even analysis 盈亏平衡分析break-even volume 盈亏平衡产量breath of product assortment 产品线的宽度breath or diversity of product lines 产品线的宽度或多样性bribery 贿赂British Airways 英国航空公司brokers 经纪人budgeting 预算bundle 捆绑Bureau of Census 人口统计局Burger King 汉堡王busines strength rating 商业能力评分business plan 商业计划business position 经营地位business sector 商业部门business services markets 商业服务市场business strategies 经营战略business unit strategy 经营单位战略Business Week 《商业周刊》buyback allowances 回购折让buyback arrangements 产品返销buyers' bargaining power 买方的讨价还价能力buyers 采购者buying behavior 购买行为buying center 采购中心buying inertia 购买惯性buying intention 购买意图buying offices 连锁商店的进货中心buying power indes <BPI> 购买力指数buying situation 采购情况/类型buying task 采购任务Ccable TV 有线电视Cadillac 凯迪拉克Campbell's Soup 金宝汤业公司capital gains 资本收益capital invested in product 产品投入资本Carnival 嘉年华cash cows 现金牛类cash discounts 现金折扣catalogue sales 目录销售categorization of perception 感知分类categorization 分门别类Caterpillar Tractor 卡特皮勒公司Cathay Airlines 国泰航空公司CBS Records 唱片公司CBS 哥伦比亚广播公司centralization 集中化chameleons/followers 变色龙/跟随者channel alternatives 可选择的营销渠道channel conflicts 渠道冲突channel decisions 渠道决策channel functions 渠道功能channel institutions 渠道组织结构channel management 渠道管理channel objectives 渠道目标channel of distribution 分销渠道channel power 渠道权力channel-control strategies 渠道控制战略channel-design decisions 渠道设计决策channel-management decisions 渠道管理决策channels of communication 传播渠道Charles Snow 查尔斯·斯诺Cherokee 切诺基chevrolet 雪佛莱choice criteria 选择标准Christian Dior 克里斯汀·迪奥〔世界著名时装品牌Chrysler 克莱斯勒Citi Corp 花旗银行closing a sale 结束销售clothing retailers 服装零售商CNN 美国有线新闻网co-branding 联合品牌code of ethics 〔职业道德标准coercive power 强制权cognitive dissonance 认识的不协调Colgate-Palmolive 高露洁collection of data 数据收集collection 收款co-marketing alliances 联合营销联盟combination compensation plan 结合式薪酬方案Comdex 计算机展销会commercialization 商业化commitment 承诺communication channels 传播渠道communication process 传播过程communication 信息交流/沟通communications media 传播媒体company personnel 公司员工Compaq 康柏comparative advertisements 比较广告comparison of brands 品牌比较compensation deals 补偿处理compensation plan 酬金方案compensation/rewards 酬金/奖励compensatory 补偿性的competition and industry evolution 竞争和行业演变competition-orientated pricing 竞争导向定价法competitive advantage 竞争优势competitive <supply-side> evolution 竞争〔供方演变competitive factors 竞争因素competitive intelligence 竞争情报/信息competitive parity promotion budgeting 竞争均势促销预算法competitive strategy 竞争战略competitive strength 竞争优势/能力competitor analysis 竞争者分析complaint handling 投诉处理component materials and parts markets 组成材料和零部件市场computerized ordering 计算机化的订购conclusive research 确定性研究conditions of demand 需求情况conflict and resolution strategies 冲突和解决战略conformance to specifications 与规格一致conformance 一致性confrontation strategy 对抗战略conjoint measurement 联合测度法conjunctive model 联合模型consumer decision-making 消费者〔购买决策consumer goods channels 消费品分销渠道Consumer Goods Pricing Act, USA 美国消费品定价法案consumer goods 消费品consumer markets 消费品市场consumer needs 消费者需求consumer packaged-goods firms 消费者包装食品公司consumer promotion 消费者促销consumer tests 消费者测试consumer/household market 消费者/家庭市场consumers' perceptions 消费者感知consumption 消费contests 竞赛contingency planning 权变计划contract construction 契约建筑业contract manufacturing 契约制造业contraction/strategic withdrawal strategy 收缩/战略性撤退战略contractual entry modes 契约式进入模式contractual vertical marketing systems 合约式垂直营销系统contribution margin analysis 边际贡献〔贡献毛利分析contributrion margin 边际贡献control strategies 控制战略convenience food stores 便利食品商店convenience goods 便利品convenience 服务的便利性Cool Whip 清凉维普co-operative advertising 合作性广告co-ordination and conflict resolution 协调与冲突解决co-production 合作生产core benefit proposition <CBP> 核心利益方案/提议corollary-data method 推定数据法corporate HQ 公司总部corporate scope 公司〔经营围corporate strategy 公司战略corporate vertical marketing systems 公司式垂直营销系统corporate/institutional advertising 团体/社会公共机构广告corrective action 矫正行动cost analysis 成本分析cost effectiveness 成本有效性cost leadership strategy 成本领先战略cost of capital 资本成本cost of goods sold <COGS> 产品销售成本cost reductions 降低成本产品cost-and-volume relationship 成本-数量关系cost-oriented pricing 成本导向定价法cost-plus/mark-up pricing 成本加成/溢价定价法costs and benefits of marketing functions 营销职能的成本和效益costs of competitors 竞争者成本costs of distribution 分销成本countertrade 对等贸易coupons 优惠券courtesy 礼貌coverage of geographic market 地域性市场的围coverage of relevant retailers 相关零售商的销售围credibility 信誉credit terms 信贷条款critical assumptions 关键假设cross-elasticity 交叉弹性customary pricing 习惯性定价法customer analysis 顾客分析customer contact 顾客接触customer demand 顾客需求customer intimacy 顾客亲密度customer loyalty 顾客忠诚度customer need 顾客需要customer organization of sales force 按客户组织销售队伍customer retention 顾客维系/保留customer satisfaction 顾客满意度customer segment pricing 顾客细分市场定价customer service 顾客服务customer-oriented pricing 顾客导向定价法customers' perception 顾客感知customers' preferences 顾客偏好customers' price sensitivity 顾客的价格敏感度customizing 定制Ddata collection 数据收集data confidentiality 数据data research 数据研究data sources 数据来源dealers 经销商deceptive advertisements 欺骗性广告deciders 决策者declining markets 衰退市场decoding 解码defect rate 缺陷率defender strategy 防御型战略defensive new-product development strategy 防御性新产品开发战略defensive positioning 防御性定位delivery time 交付时间delivery 配送Dell Computers 戴尔计算机公司Delta Airlines 三角洲航空公司demand characteristics 需求特征demand curve 需求曲线demand-oriented pricing 需求导向定价法demographic environment 人口统计环境department stores 百货商店dependability 可靠性deregulation 放松管制derived demand 衍生需求descriptive research 描述性研究design decisions 设计决策desired percentage mark-up on retail 预期零售利润率desired percentage return 预期回报率determinant attributes 关键属性determinants 决定因素different responses 差别反应differentiated defender strategy 差异化防御战略differentiated marketing 差异化营销differentiation over time 不同时间的差异differentiation strategy 差异化战略differentiation 差异化diffusion of innovation theory 创新扩散理论dimension 因素dimensions of quality 质量维度direct costing profitability analysis 直接成本盈利性分析direct mail 直接邮寄direct marketing via advertising media 通过广告媒体的直接营销direct marketing 直接营销direct product profitability <DPP> 直接产品盈利性/利润率direct selling 直销discount rate 贴现率discount stores 折扣商店discount 折扣discount/premium price policies 折扣/溢价策略discriminant analysis 差异分析法discriminatory adjustments 歧视价格调整discriminatory pricing adjustments 歧视定价调整disjunctive model 分离模型display space 列空间disposable income 可支配收入dissonance-attribution hierarchy 不和谐-归属层次结构distribution channel designs 分销渠道设计distribution channel objectives 分销渠道的目标distribution channel 分销渠道distribution decisions 分销决策distribution policies 分销策略distribution 分销distributor/store <private lables> brands 分销商/私有品牌distributors 分销商diversification 多元化divest 撤退divest 出让divestment or liquidation 收回投资或清算dividend 红利dogs 瘦狗类domestic target marketing strategies 国目标市场定位的营销战略dropping products 放弃产品dry cleaning 干洗dual/two channel distribution systems 双重分销系统duplication 〔媒体重复DuPont 杜邦公司durability 耐用性Eearly vs late adoption 早期采购与后期采购earnings per share 每股收益economic and technological factors 经济技术因素economic power 经济权economies of scale 规模经济education services 教育服务effectiveness 有效性efficiency 效率Electrolux 伊莱克斯emergency goods 急需品Emerson Electric 爱默生电气emotional appeals 情感诉求empathy 移情作用empirical evidence 经验性实例empowerment 授权encoding 编码end use 最终使用endorsement 赞同engineering 〔产品工程设计entrepreneurial strategy 企业家战略entry strategies 进入战略environment and packaging disposal 环境与包装处理environment factors 环境因素environmental scanning 环境扫描/分析environmental strategy 环境战略establishment 机构ethical audit 〔公司伦理审计ethics of marketing 营销伦理道德ethnic composition 种族构成European Community 欧共体evaluation and reward systems 评估与奖励体系evaluation and selection of supplier 评估和选择供应商evaluation of alternatives 评估替代品/各种选择evaluation of brands 品牌评估event sponsorship 事件赞助event 活动everyday low-price <EDLP> 天天低价evoked set 引发的组合evolution of market 市场演变exchange 交换exclusive dealing 独家销售exclusive distribution 独家分销executive summary 执行摘要exhibition media 展示广告媒体existing market 现有市场exit barriers 退出壁垒expansion path 扩途径expectation measures 〔顾客预期测度expectations of customers 顾客期望expected unit sales 预计产量expected value 期望价值experience curve 经验曲线experimental research 实验性研究expert power 专长权exploratory research 探索性研究export agents 出口代理〔商export jobbers 出口批发商export management company 出口管理公司export merchants 出口贸易商export 出口exporting 出口商品extended use strategy 扩大使用战略extending volume growth 扩大市场份额external data sources 外部数据来源external environment 外部环境extrapolation of past sales trends 过去销售趋势推测法Ffacilitating agencies 辅助/中介机构factor analysis 因素分析法fads 时尚family branding 家族品牌family life cycle 家庭生命周期family structure 家庭结构farm products 农产品fast-moving consumer goods <FMCG> 快速变动的消费品fear appeals 恐惧/顾虑诉求features 特征Federal Department Stores 联邦百货商店Federal Trade Code 〔FTC> 联邦贸易法案FedEx <Federal Express> 联邦快递feedback data 反馈数据field test marketing 实地市场测试financing 融资fisheries 渔业fit and finish 结实度与外观fixed costs 固定成本fixed salary 固定工资flanker strategy 侧翼进攻战略flanker/fighting brand 战斗品牌flanking and encirclement strategies 侧翼进攻与围堵战略flat organizational structure 扁平的组织结构FOB origin pricing FOB产地定价法focus strategy 集中战略followers 追随者Ford 福特公司foreign middlemen 国外中间商forestry 林业formalization 形式/规化formulate 制定fortress/position-defence strategy 防御堡垒战略Fortune 《财富》杂志forward integration 向前一体化franchise systems 特许系统franchising 特许经营free call numbers 免费free goods 免费商品freight-absorption pricing 免收运费定价法fringe benefits 小额津贴frontal attack strategy 正面进攻战略full costing profitability analysis 全成本盈利性分析full-service wholesalers 全方位服务的批发商functional competencies and resource allocation职能能力与资源分配functional efficiency 职能效率functional organization of sales force 按销售职能组织销售队伍functional organizational structure 职能型组织结构functional performance 功能性能functional strategy 职能战略Ggames 比赛gap 差距gatekeepers 信息传递者general behavioral descriptors 一般行为变量General Electric <GE> 通用电气General Foods Corporation 通用食品general merchandise discount chains 大众商品折扣连锁店General Motors 通用汽车geodemographics 区域人口统计特征geographic adjustments 地理调整geographic distribution 地理分布geographical organization of sales force 按地区组织销售队伍Gillette 吉列剔须刀global adjustments 全球调整global elite consumer segment 全球精英消费品市场global expansion 全球扩global marketing control 全球营销控制global markets 全球市场global niche strategy 全球机会战略global standardization strategy 全球标准化战略global teenage segment 全球青少年市场globalization 全球化global-market expansion 全球市场扩goals 总目标going-rate/competitive parity pricing 竞争性平价定价法goods producers 产品制造商Goodyear 固特异轮胎government agencies 政府机构government buyers 政府采购者government market 政府市场government regulation 政府管制greenhouse effect 温室效应grey market 灰色市场gross domestic product <GDP> 国生产总值gross margin 毛利gross national product <GNP> 国民生产总值gross profit 毛利gross rating points <GRPs> 总级别指数group/category product manager 类别产品经理growing markets 成长市场growth rate of market 市场增长率growth stage of product life cycle 产品生命周期的成长阶段growth-extension strategies 增长扩战略growth-market strategies for market leaders 市场领导者的市场增长战略growth-market strategy 成长性市场战略growth-market targeting strategy 成长性市场定位战略guarantee/warranty 保证/担保guarantees 保证Gucci 古琦〔世界著名时装品牌HHaagen-Dazs 哈根达斯hard technology 硬技术Harvard Business Review 《哈佛商业评论》harvest 收获harvesting pricing 收获定价法harvesting strategy 收获战略health care 医疗保健health maintenance organizations <HMOs> 〔美国卫生保健组织heavy buyer 大客户Heileman Brewing CompanyHeinz 亨氏食品helpfulness 有益性Henkel 汉高Hertz 赫兹〔美国汽车租赁巨头Hewlett-Packard 惠普公司hierarchy of strategy 战略的层次high margin/low-turnover retailers 高利润/低周转率的零售商high market share global strategy 高市场份额全球战略high-contact service system 高接触服务系统high-involvement product 高参与产品high-involvement purchase 高参与购买hight market share 高市场份额战略Hilton 希尔顿Holiday Inns 假日旅馆homogeneous market 同质市场Honda 本田household/family life cycle 家庭生命周期household 家庭hybrid technology 混合技术IIBM 国际商用机器idea generation 创意的产生/生成ideas for new products 新产品创意/构想idea-screening process 创意筛选过程identification of segments 识别细分市场Illinois Tool Works 伊利诺斯工具厂image pricing 形象定价imitative positioning 模仿定位imitative strategy 模仿战略impact evaluation 影响评估impersonal sources 非个人的信息来源implementation and control of marketing programs营销计划的执行和控制implementation 实施improvements in or revisions of existing products现有产品的改良或修正impulse buying 冲动购买impulse goods 冲动购买品incentives 激励income 收入increased penetration strategy 增加渗透战略indirect costing profitability analysis 间接成本盈利性分析individual brand 个别品牌individual value 个人价值industrial goods & services 工业产品和服务industrial goods channels 工业品分销渠道industry attractiveness 行业吸引力industry attractiveness-business position matrix行业吸引力-业务地位矩阵industry dynamics 产业动态industry evaluation 产业评估industry evolution 产业演变inelastic 缺乏价格弹性influencers 影响者infocommunications industry 信息通信行业infomercials 商业信息广告information age 信息时代information search 信息搜集information technology 信息技术information 信息informative 告知性的ingredient 成份in-home personal interview 个人家庭访谈in-house use tests 部使用测试innovation 创新innovativeness 创新性installation 设施in-store display 店展示in-store positioning 店布局in-store promotion 店促销intangibles 无形integrated marketing communication plan <IMC> 整合营销传播计划integration of perception 感知整合integration 整合Intel 因特尔intensity of market position 市场地位的集中程度intensity 集中程度intensive distribution 密集型分销interactions across multiple target markets 多目标市场间的相互作用interactive media 交互式媒体interest rates 利率internal data sources 部数据来源internal marketing 部营销internal organizational structure 部组织结构international advertising 国际广告international channels 国际分销渠道international division 国际分部international marketing 国际营销international organizational design 国际组织设计internationalization of services 服务的国际化introductory stage of product life cycle 产品生命周期的推出阶段inventory level 库存水平investor relations advertising 投资关系广告issue advertising 观点广告JJaquar 美洲豹Jell-O 吉露jobbers 批发商Johnson & Johnson 强生joint ventures 合资jury of executive opinion 行政管理人员群体意见法just noticeable difference <JND> 恰巧注意到的差异just-in-time <JIT> management system 准时制管理体系just-in-time purchasing arrangements 及时采购安排KKao 花王Keiritsu 凯莱通Kellogg 凯洛格公司Kentucky Fried Chicken <KFC> 肯德基key account management 主要客户管理key accounts 关键客户key benefits 核心利益key environmental issue identification 确定主要的环境问题key variables 关键变量key/house accounts 关键/机构客户Kmart 凯玛特Kodak 柯达Komatsu 小松公司Kraft 卡芙Llaboratory tests 实验室测试leapfrog strategy 蛙跳战略learning hierarchy 学习层级结构legal services 法律服务legislation 立法legitimate power 法定权level of compensation 酬金水平level of technical sophistication 技术的复杂程度Levi Strauss 维·史特劳斯Levi's 列维斯〔全球最大的牛仔服制造商lexicographic model 词典编纂模型lifestyle 生活方式limited-service wholesalers 有限服务的批发商line extension 产品线扩展line filling 产品线填充line stretching 产品线延伸list price 订价Lloyd's of London 伦敦劳埃德保险公司localizaiton strategy 本地化战略location pricing 场所定价location 位置lodging 房屋出租logistical alliances 后勤联盟long-term memory 长期记忆lost customer 失去的顾客Louis Vuitton 路易·威登〔法国著名时尚品牌low-contact service system 低接触服务系统low-cost defender 低成本防御型low-cost position 低成本地位low-involvement hierarchy 低参与程度层级结构Lucent Technologies 朗讯科技Mmacro risks 宏观风险macroenvironment 宏观环境macrosegmentation 宏观细分mail-order retailers 邮购零售商maintaining market share 保持市场份额maintenance strategy 保持战略management overhead 管理费mandatory adaptation 强制性适应manufacturer brand 制造商/全国性品牌manufacturers' agents/representatives 生产商的代理商/销售代表manufacturers' export agents <MEA> 制造商出口代理manufacturers' sales offices/branches 生产商的销售办事处/分支机构manufacturing process 制造过程manufacturing 制造业market aggregation strategy 整体市场战略market attractiveness factors 市场吸引力因素market attractiveness 市场吸引力market attractiveness/business position matrix 市场吸引力/业务地位矩阵market circumstances 市场环境market demorgraphics 市场人口分布/统计特征market dimension 市场量度market entry strategies 市场进入战略market exclusion 市场排斥market expansion strategy 市场扩战略market factors 市场因素market followers 市场跟随者market growth rate 市场增长率market hirarchy 市场等级market inclusion 市场纳入market leaders 市场领导者market measurement 市场测量market opportunity analysis 市场机会分析market oriented 以市场为导向的market position factors 市场地位因素market positioning analysis 市场定位分析market potential measurements 市场潜力测度market research 市场研究market segment 细分市场market segmentation 市场细分market share 市场份额market targeting 目标市场选择market 市场marketability 市场开拓能力market-entry strategies 市场进入战略marketing action plan 营销行动计划marketing audit 营销审计marketing channel 营销渠道marketing codes of conduct 营销行为规marketing communication 营销沟通/传播marketing concept 营销观念marketing control 营销控制marketing decision support systems <MDSS> 营销决策支持系统marketing environment audit 营销环境审计marketing flows and functions 营销过程和职能marketing function area audit 营销功能领域的审计marketing implications of 对营销的影响marketing information system 营销信息系统marketing institutions 营销机构marketing management 营销管理marketing message 营销信息marketing mix 营销组合marketing policy 营销策略marketing productivity area audit 营销生产力领域的审计marketing program components 营销计划容marketing program 营销计划/方案marketing relationship 营销关系marketing research 营销研究marketing strategy 营销战略market-management organizational structure 市场管理组织结构mark-up price 产品/溢价价格Marlboro 万宝路Marriott Hotel 万豪酒店mass-market penetration strategy 大规模市场渗透战略mass-market strategy 大市场战略matrix organizational structure 矩阵组织结构Matsu****a 日本松下电子mature conformists 成熟的随大流者mature markets 成熟市场mature stage of product life cycle 产品生命周期的成熟阶段McDonald's 麦当劳McDonnell Douglas 麦道公司MCI电讯公司〔前世界通信公司MDSS <Marketing-Decision Support System> 市场决策支持系统measurability 可测度性measure or index 测量指标measurement criteria 计量标准media audiences 媒体受众medical and health services 医疗卫生服务Medico Containm''ent Servicesmemory of consumers 消费者记忆Mercedes-Benz 梅赛德斯-奔驰Mercer Management Consulting 美国美智管理顾问公司merchandising 推销merchant middlemen 国贸易中间商merchant wholesalers 商业批发商message structure 信息结构Michael Porter 迈克尔-波特micro risks 微观风险microsegmentatioin 微观细分Miller Tyding ACT, USA 米勒·泰丁法案minging 矿业Minnesota Mining and Manufacturing Company <3M>明尼达矿业和制造公司Minolta 美能达miscellaneous sources 多方面来源mission 宗旨missionary selling 推销式销售Mitsubishi Heavy Industries 三菱重工modified rebuy 调整再购monosegment positioning 单一细分市场定位Monsanto 孟山都农业生物技术公司moral appeals 伦理/道德诉求morals 道德Motorola 摩托罗拉multichannel distribution 多渠道分销multidimensional scaling 多维等级法multilevel selling 多级销售multinational coporations <MNCs> 跨国公司multiple test markets 多测试市场multiple-brand strategy 多品牌战略multiple-factor index 多因素指数法multisegment positioning 多重细分市场定位mutual trust 相互信任NNabisco Biscuit 纳贝斯克饼干公司national account management 全国性客户管理national market 国市场National Semiconductor 美国国家半导体公司natural products 天然产品NEC 日本电子Nescafé雀巢咖啡Nestlé雀巢net sales 净销售额network computer <NC> 网络计算机new business selling 新业务销售new buy 购入新产品new entrants 新进入者new markets 新市场new materials 新材料New Prod screening model 新普罗德筛选模型new product lines 新产品线new products 新产品new-product development 新产品开发new-product ideas 新产品创意Newsweek 《新闻周刊》new-task buying 全新采购new-to-the-world products 世界性新产品niche penetration strategy 壁龛/机会市场渗透战略niche-market strategy 壁龛市场战略Nike 耐克Nissan 尼桑no-brand brand name 无品牌的品牌名称no-frills product 无虚饰产品noise in communication system 传播系统中的噪音non-financial rewards 非物质性奖励措施non-probability sampling 非概率抽样non-profit organization 非盈利组织non-store retailing 无店铺零售业number of stockouts 迟滞数目Oobject-and-task method of promotion budgeting 目标-任务促销预算法objectives and strategy area audit 目标与战略领域的审计objectives 具体目标observation 观察法occupancy costs 房屋占用成本occupation/position 职业/职位odd pricing 奇/余数定价法OEM <original equipment manufacturer> 原始设备制造商oeverall quality 总体质量off-invoice discounts 发票之外的折扣offsets 抵消交易Omega 欧米加on-air testing 广播测试OPEC <Organization of Petroleum Exporting Countries>欧佩克〔石油输出国组织opening relationships 建立关系operating supplies 生产供应品operational excellence 运作管理水平opinion leaders 意见领导者opportunity cost 机会成本opportunity identification 机会识别opportunity/threat matrix 机会/威胁矩阵order cycle time 订货周期order processing 订单处理organisational level 组织层次organizaitonal requirement planning 组织需求计划organization area audit 组织领域的审计organization buying center 组织采购中心organizational customer 组织顾客organizational direct selling 组织直销organizational markets 组织市场organizational purchasing 组织采购organzational structure 组织结构outdoor enthusiasts 户外运动爱好者out-of-home media 户外广告媒体overall cost leadership 全面成本领先overheads 日常开支overseas direct investment 海外直接投资ownership of new product 新产品所有权PPacific Electric 太平洋电气packaging 包装panel of experts 专家小组parentage 渊源parties involved 交换中的各方payment terms 支付条款pay-off control 支出控制penetration pricing 渗透定价Pepsi-Cola 百事可乐perceived customer value 顾客感知价值perceived quality 感知到的质量perceived value 感知到的价值percentage of sales promotion budgeting method销售额百分比促销预算法perceptions of consumers 消费者感知/理解perceptual <product> pisitioning 感知〔产品定位perceptual map 感知图perceptual organization 感知组织perceptual vigilance 感性的警惕performance dimension 业绩标准performance evaluation 业绩评估performance measures 表现/业绩测度performance objective 绩效目标performance standards 绩效标准performance 功能perishability 非持久性personal selling 人员推销personal sources 个人的信息来源personnel development 人力资源开发persuasive 说服性的pharmaceuticals industry 医药行业physical <product> positioning 物理〔产品定位physical descriptors 物理变量physical distribution 实物分销Pillsbury 皮尔斯博瑞pioneers 先入者Pizza Hut 必胜客place utility 地点效用planning and control system area audit 计划与控制系统领域的审计point of sale information 销售点信息point-of-purhcase <POP> promotion 采购点促销point-of-sales <POS> data 销售点数据pontificator 保守派popularity 通用性population trends 人口趋势portfolio models for resource allocation 资源配置的资产组合模式position intensity 地位集中程度positioning 定位possession utility 拥有效用post-purchase dissonance 购买后的不协调post-purchase evaluation 购买后评估post-purchase/after-sale service 售后服务potential advantages 潜在优势potential customer 潜在顾客potential market 潜在市场potential target market 潜在目标市场power in distribution 分销权力power of buyers 购买者能力power of suppliers 供应商能力predatory pricing 掠夺性定价法pre-empting scarce resources 先占稀缺资源preferential treatment 特惠待遇premiums 额外奖励present competitors 现有的竞争者presenting sales message 提供销售信息pre-test market research 测试前市场研究price discrimination 价格歧视price elasticity of demand 需求的价格弹性price fixing 价格设定price leaders 价格领导者price lining 价格排列定价法price promotion 价格促销price quotation 报价price sensitivity 价格敏感度price structure 价格结构price 价格price/earnings ration 价格/收益比price-off promotions 降价促销price-setting process 定价过程pricing adjustments 定价调整pricing policies 价格策略pricing 定价primary demand 基本需求primary sources 第一类/主要数据print media 印刷媒体private/for-profit organization 私营/盈利性组织PRIZM <Potential Rating Index for Zip Markets>按邮政区划为基础的潜力等级指数proactive new-product development strategy 进取型新产品开发战略probability sampling 概率抽样problem formulation 界定问题problem identificatioin 确定问题process management 过程管理Procter & Gamble <P&G> 宝洁公司product line 产品线product availability 产品的可获得性product category 产品类别product class 产品类别product decisions 产品决策product design 产品设计product development 产品开发product dimension or attributes 产品维度/属性product evolution 产品演变product features 产品特征product intent share 产品倾向份额product leadership 产品领导能力product life cycle <PLC> 产品生命周期product life cycle curve 产品生命周期曲线product line 产品线product manager audit 产品经理审计product offering 供应品product organizaiton of salesforce 按产品组织销售队伍product policies 产品策略product positioning 产品定位product quality 产品质量product scope 产品围product space 产品位置product specifications 产品规格product systems 产品体系product type 产品类型product usage 产品用途product 产品product<ion>-oriented organization 产品/生产导向型组织production 生产product-line pricing adjustments 产品线定价调整product-management organizational structure 产品管理组织结构product-market entry control 产品－市场进入控制product-related behavioral descriptors 与产品相关的行为变量product's market characteristics 产品的市场特征product-use testing 产品使用测试pro-environment 环保profit impact of market strategy <PIMS> 市场战略的利润影响profitability analysis 盈利性分析profitability 盈利性/盈利能力profitable survivor strategy 有利可图的生存者战略project-company resource compatibility 项目与公司资源的协调性projected profit-and-loss statement 预计损益表projective tests 投影测试promotion decisions 促销决策promotion mix 促销组合promotion policies 促销策略promotion 促销promotional allowance 促销折让promotional effort 促销努力promotional pricing 促销定价promptness 及时性propector strategy 探索型战略prospecting for customers 寻找顾客psychographics 心理统计特征psychological cost 心理成本psychological pricing 心理定价法public organization 公共组织public relations 公共关系public utilities 公共设施publicity 公共宣传pull strategy for control of distribution channels分销渠道控制的拉式战略pupil dilation 瞳孔扩purchase predisposition 购买倾向purchasing agent 采购代理purchasing contract 采购合同purchasing manager/agent 采购经理／代理purchasing power perity <PPP> 购买力平价指数push money/spiffs 佣金push stragtegy for control of distribution channels分销渠道控制的推式战略Qqualifying prospects 审查潜在顾客资格quality dimensions 质量维度quality 质量quantity discount 数量折扣question marks 问题类questioning 询问法quotas 定额R。

外资银行的业务跟中资银行大体上是一致的，一般根据服务对象的不同，分为两大板块：一、对公业务Corporate Banking针对企业、机构客户提供贷款、理财和融资等服务；二、零售业务Consumer Bank\ Retail Bank（或者叫消费银行/消费金融/Consumer Finance）零售银行是“主要向家庭和小企业提供服务的面向消费者的银行”。

零售银行的服务对象是普通大众市民、中小企及个人小户。

零售银行服务客户通常是透过银行分行、自动柜员机及网上银行等交往的。

与之对应的是批发银行(Wholesale Bank)。

注意区别：零售银行（retail bank)的概念＞个金业务（personal banking）以下是一个外资银行个金业务经理的工作职责：主要概括为：个人金融服务和HML业务Home Mortgage Loan(住房按揭/抵押贷款）1.develop VIP customer2. Home morgage loan service3. investment consulting：Fund, insurance and structured financial products recommends and sales4. channel buliding1.高端客户拓展；2. 制定和运作个人购房贷款方案；3. 制定和推荐个人理财规划方案\投资方案：基金、保险以及结构化理财产品；4. 渠道建设。

（具体讲，就是根据银行的客户发展战略，主动寻找客户，通过各种渠道与客户建立业务联系。

）金融产品的推荐要体现出专业性，仅靠客户经理自身努力还不够，背后还需要两个技术支撑:一个是产品经理(金融混业)，另一个是适当引入相关的专业机构，比如保险、证券、基金和期货公司。

它们可与产品经理一道，集中通过客户经理，传递更为专业的咨询信息。

企业银行业务又根据企业的规模有细分，如大客户部、GTS、SME等，解释如下：（1）Wholesale Bank（批发银行）的定义，由于不同国家不同时期对银行业务的管制差异而有所不同。

银行产品手册中英文对照版(总48页)-CAL-FENGHAI.-(YICAI)-Company One1-CAL-本页仅作为文档封面，使用请直接删除xx银行Xxxx Bank公司金融服务Corporate Banking Service走近xx银行A Snapshot of xxxx bank雄厚的资产实力Assets Strengthxx银行是xxxx年经中国人民银行批准设立、xxxx年开业、xxxx年在上海证券交易所挂牌上市的股份制商业银行，总行设在xx。

目前，注册资本金xxxx亿元，总资产规模达xxxx亿元人民币（。

良好的业绩、诚信的声誉，使xx银行成为中国证券市场中备受关注和尊敬的上市公司。

The Shanghai-based Xxxx Bank, a joint-stock commercial bank approved by the People’s Bank of China on xxxx, started businesses on xxxx, and was listed in the Shanghai Stock Exchange in xxxx. Its registered capital totaled RMB billion Yuan and total assets stood at RMB billionYuan.XXXXBank has earned respect and good fame in the domestic stock market on account of its outstanding performance and trustworthiness.诚信的企业文化Honest Corporate Culture自成立以来，xx银行一贯秉承“笃守诚信、创造卓越”的经营理念，致力于建设成为国际上较好的商业银行，为支持国民经济发展和社会进步贡献力量。

中国顶尖外资银行-花旗银行高薪招聘审计经理，持有CFA可加分！格瑞丝学姐：原来“花旗”的名字是这样来的~花旗最初在上海外滩附近开设分行时，门口总是插着很多美国国旗，上海人觉得读“citibank”英语太别扭，但大家都知道Citibank 是一家美国的银行，美国国旗又好像一块蓝红相间的碎花布，久而久之，上海人就干脆把Citibank叫成“花旗银行”，之后该中文名称被Citibank接受并一直沿用至今。

花旗银行（Citibank）是花旗集团属下的一家零售银行，其主要前身是1812年6月16日成立的纽约城市银行（City Bank of New York）。

Audit ManagerResponsibiliti es:·Delivers on time high quality audit reports, Internal Audit and Regulatory issue validation and (where appropriate, branch examinations, as well as business monitoring and governance committee reporting.·Effectively manages and executes audit activities for a component of a product line, function, or legal entity at the regional or country level including a portion of the audit annual plan. For larger audit reviews, manages an audit team responsible for completion of the audit work.·Applies in-depth level of expertise in one or more of the Bank's businesses and leverages this knowledge into a leadership role in one or more teams.·Proactively advances integrated auditing concepts and use of technology.·Leads the professional development of Internal Audit staff.·Develops effective senior line management relationships and has a strong understanding of the businesses.·Applies an in-depth understanding of the inter-relationships of business and support units throughout the Bankand how they impact the overall control environment and the audit approach.·Uses excellent communication skills in order to influence a wide range of internal audiences including respective product, function, or regional executive management partners. Effectively negotiates on matters which will have a major impact on the area managed.·Demonstrates strong judgment, political astuteness, and sensitivity to cultural diversity.·Possesses strong project management and interpersonal skills, makes sound decisions, exhibiting initiative and intuitive thinking. Consulted often by others for advice and opinions and recognized as a leadership role model.·Participates in major business initiatives and pro-actively advises and assists the business on change initiatives.·Frequently involved in matters that require complex judgments and solutions based on sophisticated analytical thought such as identifying solutions for a variety of complex and novel audit control issues And proposes creative and pragmatic solutions for risk and control problems. Partners with internal and external stakeholders to develop approaches for addressing broader corporate emerging issues.·Serves as lead reviewer for all types of reviews.·Reviews and approves Business Monitoring Quarterly Summaries.·Collaborates effectively wit h other TCTP and business audit teams and helps support them in achieving their objectives.Qualifications:·University degree or equivalent. Related certifications (CPA, ACA, CFA, CIA, CISA or similar) are a plus.·Minimum 7 years senior level experience in a related role with experience in business, functional and people management, with proven abilities in taking responsibility for executing concurrently on a portfolio of high quality deliverables tostakeholders according to strict timetables.·Specific subject matter expertise regarding technology application control disciplines and a solid business understanding of ICG products.·Demonstrates experience in managing teams and managing integrated internal audit and assurance delivery (or equivalent projects) within a matrix reporting environment.·Effective negotiation skills, a proactive and 'no surprises' approach in communicating issues and strength in sustaining independent views. This individual must be an articulate and effective communicator, both orally and in writing, with an energetic, charismatic and approachable style.·Strong interpersonal skills for interfacing with all levels of Internal Audit, business management and external stakeholders (e.g. external audit and regulators).Education:Bachelor's/University degree, Master's degree preferredLanguage Skills：Strong Mandarin and English language skills (both written and spoken) with Chinese / English translation working experience will be a plus point.。

花旗银行公司业务概要企业银行——global corporate and investment banking一、资金管理——cash management (1)I. 电子银行 Electronic Delivery (1)II. 国内人民币资金管理 Domestic RMB Cash Management Service (1)III. 外币现金管理方案 foreign currency cash management services (1)二、企业融资——corporate finance (3)项目融资 project finance (3)结构贸易融资structured trade finance (3)银团贷款 loan syndication (3)结构融资 structured finance (3)三、资金部管理——treasury management (4)外汇交易---具体 (4)即期外汇交易 FX spot (4)远期外汇交易 FX forward (4)外汇期权 currency option (4)利率产品---具体 (4)利率掉期 IR swap (4)利率封顶 IR caps (5)利率保底 IR floor (5)较高收益产品---具体 yield enhancement products (5)区间存款 digital range deposits (5)双货币存款 premium deposits (5)债券挂钩的存款 bond-linked deposit (5)注：国际贸易融资和服务trade services 与证券服务 securities services 与本次合作内容关系不大，故未列入其中。

一、资金管理——cash management花旗中国主要从三个方面发展它的现金管理业务：电子银行业务，国内人民币资金管理和跨境外币现金管理。

I. 电子银行Electronic Delivery花旗银行提供三种电子平台与客户进行接口：CitiDirect, EasyPayments及Citibanking。