2020年(金融保险)汇丰银行保险词汇

汇丰银行保险词汇汇丰银行保险词汇随着社会的不断发展，人们对自己和家人的保险意识不断增强。

作为一家国际化的银行，汇丰银行也提供广泛的保险服务，以帮助客户保障他们的安全和稳定性。

以下是一些常见的汇丰银行保险词汇，帮助您更好地理解和使用这些服务。

1. 人寿保险（Life Insurance）人寿保险是汇丰银行提供的一种常见的保险服务，旨在保护您和您的家人免受不幸事件的影响。

人寿保险通常包括以下几种不同的计划：a. 终身保险（Whole Life Insurance）：对终身寿险合同，保险公司保证在被保险人去世后向其指定受益人支付确定的死亡赔偿金；b. 分红保险（Participating Insurance）：分红保险计划将保险费用投资于风险投资组合，从而使保险公司创造更高的回报，以及向保单持有人支付分红；c. 准终身保险（Term Insurance）：准终身保险计划通常具有较低的保费，保障期限为一定年限，例如10年或20年。

2. 旅游保险（Travel Insurance）旅游保险是汇丰银行提供的一种短期保险服务，旨在保障旅游者在旅游期间的安全和舒适度。

旅游保险通常包括以下几种不同的计划：a. 医疗保险（Medical Insurance）：旅游者在海外旅行期间不时会存在身体不适、意外伤害等情况，此时医疗保险就能为其提供帮助；b. 行李保险（Baggage Insurance）：行李保险计划能够为旅游者在旅行期间损失或失窃的个人财物提供补偿；c. 取消保险（Cancellation Insurance）：取消保险计划适用于由于特殊原因无法按计划进行旅行的旅游者，提供预订费用的报销或取消费用的赔偿。

3. 健康保险（Health Insurance）健康保险是汇丰银行提供的一种保障您和家人在发生疾病或受伤时所需医疗费用的服务。

健康保险分为两种主要类型：a. 长期保险（Long-term Health Insurance）：长期保险计划旨在为您提供长期的医疗保障，通常覆盖大部分医疗费用；b. 短期保险（Short-term Health Insurance）：短期保险计划针对发生意外或生病需要紧急医疗照顾的情况提供保障，通常保障期限为一年或更短。

（金融保险）金融英语词典金融英语词典A:A share Ａ股；甲类股份abatement of tax 减税；减扣免税额ABN AMRO Bank N.V. 荷兰银行above-the-line expenditure 线上项目支出；经常预算支出above-the-line receipt 线上项目收入；经常预算收入ABSA Asia Limited 南非联合亚洲有限公司absolute change 绝对数值变更absolute expenditure 实际开支absolute guideline figure 绝对准则数字absolute interest 绝对权益absolute order of discharge 绝对破产解除令absolute profit margin 绝对利润幅度absolute value 实值；绝对值absolutely vested interest 绝对既得权益absorbed cost 已吸收成本；已分摊成本absorption 吸收；分摊；合并absorption rate 吸收率；摊配率；分摊率ACB Finance Limited 亚洲商业财务有限公司acceptable form of reciprocity 合理的互惠条件acceptable rate 适当利率；适当汇率acceptance agreement 承兑协议acceptance for honour 参加承兑acceptor 承兑人；接受人；受票人acceptor for honour 参加承兑人accident insurance 意外保险Accident Insurance Association of Hong Kong 香港意外保险公会accident insurance scheme 意外保险计划accident year basis 意外年度基准accommodation 通融；贷款accommodation bill 通融票据；空头票据accommodation party 汇票代发人account balance 帐户余额；帐户结余account book 帐簿account collected in advance 预收款项account current book 往来帐簿account of after-acquired property 事后取得的财产报告account of defaulter 拖欠帐目account payable 应付帐款account payee only [A/C payee only] 只可转帐；存入收款人帐户account receivable 应收帐款account receivable report 应收帐款报表account statement 结单；帐单；会计财务报表account title 帐户名称；会计科目accountant's report 会计师报告Accountant's Report Rules 会计师报告规则accounting and auditing procedure 会计与审计程序；会计与核数程序Accounting Arrangements 《会计安排》accounting basis 会计基础accounting by Official Receiver 破产管理署署长呈交的帐目Accounting Circular 《会计通告》accounting class 会计类别accounting date 记帐日期；会计结算日期accounting for money 款项核算Accounting Officer 会计主任accounting period 会计报告期；会计期accounting policy 会计政策；会计方针accounting practice 会计惯例accounting principle 会计准则accounting record 会计记录accounting report 会计报告Accounting Services Branch [Treasury] 会计事务部〔库务署〕Accounting Society of China 中国会计学会accounting statement 会计报表accounting system 会计制度；会计系统accounting transaction 会计事项；帐务交易accounting treatment 会计处理accounting year 会计年度accretion 增值；添加accrual 应计项目；应累算数目accrual basis 应计制；权责发生制accrual basis accounting 应计制会计；权责发生制会计accrue 应累算；应计accrued benefit 应累算利益accrued charges 应计费用accrued cumulative preference share dividend应累算的累积优先股股息accrued expenses 应累算费用accrued interest payable 应付利息；应计未付利息accrued interest receivable 应收利息；应计未收利息accrued right 累算权益accruing profit 应累算的利润accumulated fiscal reserve 累积财政储备accumulated profit 累积利润；滚存溢利accumulated reserve 累积储备accumulation of surplus income 累积收益盈余acquired assets 既得资产acquisition 收购；购置；取得acquisition cost 购置成本acquisition expenses 购置费用acquisition of 100% interest 收购全部股权acquisition of control 取得控制权acquisition of fixed assets 购置固定资产acquisition of shell “买壳”acquisition price 收购价act of God 天灾acting partner 执事合伙人active market 买卖活跃的市场；交投畅旺的市场；旺市active partner 积极参与的合伙人active trading 交投活跃actual circulation 实际流通actual cost 实际成本actual expenditure 实际开支；实际支出actual income 实际入息；实际收入；实际收益actual market 现货市场actual price 现货价；实际价格actual profit 实际利润actual quotation 实盘；实际价位；实际报价actual year basis 按实际年度计算actuals 实货actuarial investigation 精算调查actuarial principle 精算原则actuarial report 精算师报告Actuarial Society of Hong Kong 香港精算学会actuarial valuation 精算师估值actuary 精算师ad referendum agreement 暂定协议；有待覆核的协定ad valorem duty 从价税；按值征税ad valorem duty system 从价税制ad valorem fee 从价费ad valorem tariff 从价关税additional allowance 额外免税额additional amount for unexpired risk 未过期风险的额外款额additional assessable profit 补加应评税利润additional assessment 补加评税additional commitment 额外承担additional commitment vote 额外承担拨款additional dependent grandparent allowance 供养祖父母或外祖父母额外免税额additional dependent parent allowance 供养父母额外免税额additional provision 额外拨款additional stamp duty 附加印花税additional tax 补加税罚款；补加税款Additional T ax Demand Note 缴纳补加税罚款通知书；缴纳补加税款通知书adjudged bankrupt 被裁定破产adjudicated bankrupt 裁定破产人adjudication fee 裁定费；评定印花税额手续费；评估契据费adjudication of bankruptcy 裁定破产；宣告破产adjudication of insolvency 裁定无力偿还债务adjusted actual 经调整的实数；调整后的实数adjusted current assets 经调整的流动资产；调整后的流动资产adjusted figure 经调整的数字；调整后的数额adjusted liabilities 经调整的负债；调整后的负债adjusted loss 经调整的亏损；调整后的亏损adjusted net admissible assets 经调整的可接纳资产净值；调整后的可接纳资产净值adjusted profit 经调整的利润；调整后的利润adjusted surplus 经调整的盈余额；调整后的盈余额adjusted value 经调整的价值；调整后的价值adjustment 调整；修订；理算〔保险〕adjustment centre 调剂中心adjustment lag 调整过程的时间差距；调整时差adjustment mechanism 调整机制adjustment of loss 亏损调整adjustment process 调整过程；调整程序adjustment range 调整幅度administered exchange rate 受管制汇率Administration Division [Hong KongMonetary Authority] 行政处〔香港金融管理局〕administration expenses 行政费用administration fee 手续费；行政费administration in bankruptcy 破产管理administration order 遗产管理令administrator 管理人；遗产管理人administrator of the estate 遗产管理人admission of debt 债项承认书admission of proof 接纳债权证明advance 放贷款项；垫付款项；预支款项；预付款项advance account 暂支帐目；预付款帐户advance compensation 预付补偿金advance from shareholder 股东垫款advance pending reimbursement 预支以待日后付还advanced economy 先进经济体系advancement 预付；预付财产advances warrant 垫款令advancing 贷出adverse balance 逆差adverse exchange 逆汇advertisement addressed to shareholders 在报章刊登的致股东通告advice for collection 托收通知书advice of drawing 提款通知书；汇票通知书advice of payment 付款通知Advisory Committee [Securities and Futures Commission] 谘询委员会〔证券及期货事务监察委员会〕Advisory Committee on Diversification 经济多元化谘询委员会affidavit 誓章；遗产申报誓章affidavit of no receipt 述明无收款的誓章affiliate 联号；联营公司；附属公司affiliated company 附属公司；联号；联营公司affirmation [estate duty] 非宗教式宣誓〔遗产税〕affordability 负担能力African Development Bank [AfDB] 非洲开发银行after-acquired property 事后取得的财产after-hours dealing 市后交易after-tax profit 税后盈利；税后利润；税后溢利agency agreement 代理协议agency expenses 代理机构的开支agency fee 代理费Agency Law 《代理法》agent 代理人；承销人agent of company 公司代理人agent's fee 代理人费；经纪费aggregate 总计；总数；总体数字aggregate amount 总款额；总额aggregate assets and liabilities 总体资产与负债aggregate at constant price 按固定价格计算的总体数字aggregate demand 总需求aggregate gross position 总持仓量aggregate limit 总限额aggregate of salaries tax 合计薪俸税aggregate performance 总体表现；总体业绩aggregate supply 总体供应aggregate surplus 总盈余aggregate total 整体总额aggregate value 总值；合计价值aggregated basis 合计基准aggregated net chargeable income 合计应课税入息实额aggregation 合并计算；合计；总和aggregation of incomes of husband and wife 夫妇入息合并计算aggregation of property 财产的总和agio 差价；贴水Agreement between the Government of Hong Kong and the Government of Japan for the Promotion and Protection of Investment 《香港政府和日本政府关于相互促进和保护投资协定》Agreement between the Government of Hong Kong and the Government of the Republic of Austria for the Promotion and Protection of Investment 《香港政府和奥地利共和国政府关于相互促进和保护投资协定》Agreement between the Government of Hong Kong and the Government of the Republic of France for the Promotion and Protection of Investment 《香港政府和法兰西共和国政府关于相互促进和保护投资协定》Agreement between the Government of Hong Kong and the Government of the Republic of Korea for the Promotion and Protection of Investment 《香港政府和大韩民国政府关于相互促进和保护投资协定》agreement for a settlement 授产协议agreement for assignment 转让协议agreement for sale 售卖协议；买卖协议agreement for sale and purchase 买卖协议agreement for the payment of interest 支付利息协议agreement for the repayment of money 还款协议agreement of reinsurance 再保险协议Agricultural Bank of China 中国农业银行air passenger departure tax 飞机乘客离境税Air Services Negotiations Unit [Economic Services Bureau] 民航运输谈判组〔经济局〕airport tax 机场税alcohol duty 酒精税alienation 让与；让渡；转让alimony 生活费；赡养费All Ordinaries Index [AOI] 所有普通股指数all risks 全险；综合险All Sales Record for Stock Market 《股票市场成交报告》Allied Capital Resources Limited 新联财务有限公司all-items index [Consumer Price Index] 总指数〔消费物价指数〕allocation letter 拨款信件allocation of fund 分配款项；预留款项allocation of profit 利润分配；溢利分配allocation warrant 拨款令allotment 分配；配股allotment notice 股份配售通知；配股通知allotment of shares 股份分配allowable 可获宽免；免税的allowable business loss 可扣除的营业亏损allowable expenses 可扣税的支出allowance 免税额；津贴；备抵；准备金allowance for debts 债项的免税额allowance for depreciation by wear and tear 耗损折旧免税额allowance for funeral expenses 殡殓费的免税额allowance for inflation 为通货膨胀而预留的款项；通胀准备金allowance for repairs and outgoings 修葺及支出方面的免税额allowance to debtor 给债务人的津贴alteration of capital 资本更改alternate trustee 候补受托人amalgamation 合并ambit [head or subhead of expenditure] 涵盖范围〔开支总目或分目〕ambit of charges 征税范围；收费范围amended valuation 经修订的估值American Commodities Exchange 美国商品交易所American Express Bank Limited 美国运通银行American Stock Exchange 美国证券交易所amortization 摊销amount due from banks 存放银行同业的款项amount due from banks abroad 存放海外银行同业的款项amount due from holding companies 控股公司欠款amount due from local banks 存放本港银行同业的款项amount due to banks 银行同业的存款amount due to banks abroad 海外银行同业的存款amount due to holding companies 控股公司存款amount due to local banks 本港银行同业的存款amount due to outport banks 外埠银行同业的存款amount for note issue 发行纸币的款额amount of bond 担保契据的款额amount of consideration 代价款额amount of contribution 供款数额amount of indebtedness 负债款额amount of principal of the loan 贷款本金额amount of rates chargeable 应征差饷数额amount of share capital 股本额amount of sums assured 承保款额amount of variation 变动幅度amount of vote 拨款数额amount payable 应付款额amount receivable 应收款额Amsterdam Stock Exchange 阿姆斯特丹证券交易所analysis 分析ancillary risk 附属风险annual account 周年帐目；周年帐目报表；年度决算；年结annual accounting date 年结日期annual allowance 每年免税额；年积金；年度津贴；年津annual balance 年度余额annual disposable income 每年可动用收入annual estimates 周年预算annual fee 年费annual general meeting 周年大会annual growth rate 年增率；每年增长率annual long-term supplement 长期个案每年补助金annual pensionable emolument 可供计算退休金的年薪annual report 年报Annual Report on the Consumer Price Index 《消费物价指数年报》annual return 周年报表；周年申报表；每年报税表格Annual Return Rules 《周年报表规则》annual review of consumer prices 每年消费物价回顾annual roll-forward basis 逐年延展方式annual salary 年薪annual statement 年度报表；年度决算表Annual Survey of Banks, Deposit-taking Companies and Representative Offices of Foreign Banks 银行、接受存款公司及外地银行驻港代表办事处按年统计调查annuitant 年金受益人annuity 年金annuity contract 年金合约annuity on human life 人寿年金antecedent debt 先前的债项ante-dated cheque 倒填日期支票anticipated expenditure 预期开支anticipated net profit 预期纯利anticipated revenue 预期收入anti-inflation measure 反通货膨胀措施anti-inflationary stance 反通货膨胀立场apparent deficit 表面赤字apparent financial solvency 表面偿债能力apparent partner 表面合伙人application for personal assessment 个人入息课税申请书application of fund 资金应用application to release as liquidator and to destruct the books of accounts and documents 申请免除清盘人职务及毁灭帐簿与文件appointed actuary 委任精算师appointed auditor 委任核数师；委任审计师appointed trustee 委任的受托人appointer 委任人apportioned pro rata 按比例分摊apportionment 分配；分摊Apportionment Act [United Kingdom] 《分摊法令》〔英国〕apportionment formula 分摊方程式apportionment of estate duty 遗产税的分摊appraisal 估价；评估appreciable growth 可观增长appreciable impact 显着影响appreciable increase 可观增长appreciation 增值；升值appreciation against other currencies 相对其他货币升值appreciation of the exchange value of Hong Kong dollar 港元汇值上升appreciation tax 增值税appropriation 拨款；拨用；拨付appropriation account 拨款帐目Appropriation Bill 拨款法案appropriation-in-aid system 补助拨款办法approved assets 核准资产approved basket stock 认可一篮子证券approved budget 核准预算approved charitable donation 认可慈善捐款approved charitable institution 认可慈善机构approved currency 核准货币；认可货币approved estimates 核准预算approved estimates of expenditure 核准开支预算approved overseas insurer 核准海外保险人approved overseas trust company 核准海外信托公司approved pooled investment fund 核准汇集投资基金approved provident fund scheme 认可公积金计划approved provision 核准拨款approved redeemable share 核准可赎回股份approved regional stock 认可地区性证券approved retirement scheme 认可退休金计划approved subordinated loan 核准附属贷款arbitrage 套戥；套汇；套利arbitrageur 套戥者；套汇者arbitrary amount 临时款项arrangement 措施；安排；协定arrears 欠款arrears of pay 欠付薪酬arrears of revenue 逾期未收税款；逾期未收的帐项articles of association 组织章程；组织细则；组织章程细则Asahi Finance (Hong Kong) Limited 旭日财务（香港）有限公司ascertainment of profit 确定利润"Asia Clear" “亚洲结算系统”Asia Commercial Bank Ltd. 亚洲商业银行有限公司Asian Development Bank [ADB] 亚洲开发银行〔亚银〕Asian Development Fund [ADF] 亚洲发展基金Asian dollar bond 亚洲美元债券Asian dollar market 亚洲美元市场Asian dollar rate 亚洲美元利率Asian Securities Analysts Council [ASAC] 亚洲证券分析员公会Asia-Pacific Economic Co-operation [APEC] 亚太区经济合作组织〔亚太经合组织〕asked price 沽盘；喊价；索价；卖方报价assessable income 应评税入息assessable loss 应评税亏损assessable profit 应评税利润assessable value 应评税值assessed profit 估定利润assessed value 经评估价值assessment 评税；评定；估价；评税单assessment number 评税编号；估价编号assessment of additional tax 补加税评税assessment of performance 业绩评估；实绩评价Assessor 评税主任asset price bubbles 资产价格泡沫asset-backed securities 具资产保证的证券assets accretion 资产增值assets and liabilities 资产与负债assets betterment statement 资产递增表；资产改进表assets lending 实物放款；有抵押贷款assets of the company passing on the death 死者去世时转移的公司资产assets pledged as security for liabilities 用作负债抵押的资产assets portfolio 资产投资组合assets price 资产价格assets quality 资产质素assets realization 资产变现assets refinancing arrangement 资产再集资安排assets securitization 资产证券化assets situated outside Hong Kong 在香港以外地方的资产assets stripping 削减资产；拆卖资产assets value 资产值assignee 承让人assignment 转让；转让书；转让契assignment of interest 权益转让assignment of letters patent and trade mark 专利证书及商标转让assignment of property 物业转让；物业转让书assignment right 转让权assignor 转让人associate 有联系的人；有关连人士；相联者；合伙人；联系人Associate Clearing Housing Amsterdam B.V. 阿姆斯特丹联合结算所有限公司associate member 附属会员associated body corporate 相联法人团体associated company 相联公司；联属公司associated corporation 相联法团Association of Chartered Certified Accountants [ACCA] [United Kingdom] 公认会计师公会〔英国〕Association of Futures Exchange Brokers 香港期货经纪协会Association of South-East Asian Nations [ASEAN] 东南亚国家联盟〔东盟〕association of underwriters 承保人组织assumption of control 接管assurance 担保；保险；转易；转易书assurance of interest 权益的转易at 19XX price 按一九ＸＸ年价格计算at a discount 按赔价计算；按贴水价格计算；打折扣at a premium 按溢价计算；按升水价格计算at call 通知付款；按通知at constant market price 按固定市价计算at constant price 按固定价格计算at cost 按成本计算at current market price 按当时市价计算；按现时市价计算at current price 按当时价格计算；按现时价格计算at factor cost 按要素成本计算；按生产要素成本计算at money-of-the-day price 按付款当日价格计算at or better 按指定或较佳价位〔买卖指令〕at par 按面值计算；平价at sight 见票即付at the close 按收市盘at the opening 按开市盘attestation 见证；见证条款at-the-money option 平价期权attorney 受权人；受托代表人attornment 新拥有人承认书attributable profit 可归属利润attributable share value 可归属股份价值Auckland Stock Exchange 奥克兰证券交易所auction 拍卖auctioneer 拍卖商audit 审计；核数Audit Commission 审计署Audit Committee [Stock Exchange of Hong Kong Limited, Securities and Futures Commission] 稽核委员会〔香港联合交易所有限公司〕；核数委员会〔证券及期货事务监察委员会〕audit review 帐目审查Audit Sub-committee [Exchange Fund Advisory Committee] 审核小组〔外汇基金谘询委员会〕audited account 审计帐目；经审计的帐目audited annual account 经审计的周年帐目audited balance sheet 经审计的资产负债表auditor 核数师；核数主任；审计师auditor's certificate 核数师证明书；审计师证明书auditor's report 核数师报告；审计师报告Aussie bond 澳元债券austerity budget 紧缩预算Australia & New Zealand Banking Group Limited 澳洲纽西兰银行集团有限公司Australia All Ordinaries Index 澳洲所有普通股票指数Australian Dollar [AUD] 澳元Australian Options Market 澳大利亚期权市场Australian Securities Commission 澳洲证券事务监察委员会Australian Society of Certified Practising Accountants 澳洲执业会计师公会Australian Stock Exchange 澳大利亚证券交易所Austrian Schilling [ATS] 奥地利先令authentication 认证；鉴证authority to purchase 委托购买证；委购书authorization 认可；核准；授权；授权书authorization by direction 指示授权authorization by instruction 指令授权authorization by warrant 令状授权authorization of unit trust 单位信托的认可authorized agent 指定代理人authorized capital 法定资本authorized clerk 出市员authorized dealer 认可交易商authorized financial institution 认可财务机构authorized fund 认可基金authorized fund house 获授权的基金公司；认可基金公司authorized institution 认可机构authorized institution incorporated in Hong Kong 在香港成立为法团的认可机构authorized institution incorporated outside Hong Kong 在香港以外成立为法团的认可机构authorized insurer 获授权保险人；获认可承保人authorized investment 特准投资项目authorized person 获授权人authorized representative 获授权代表authorized share capital 法定股本automated quotation system 自动报价系统Automated Trading System [ATS] [Hong Kong Futures Exchange Limited] 自动交易系统〔香港期货交易所有限公司〕automatic adjustment mechanism 自动调整机制automatic adjustment system 自动调整系统Automatic Clearing House 自动票据交换所automatic exchange rates accumulation system 自动化汇率累集系统Automatic Order Matching and Execution System [AMS] 自动对盘及成交系统〔自动对盘系统〕automatic teller machine [ATM] 自动柜员机autopay 自动转帐available assets 可用资产available fiscal reserve 现存财政储备available profit 可用利润Avco Financial Services (Asia) Limited 富高财务（亚洲）有限公司average 平均；平均数；海损average basic salary 平均基本薪金average consumer expenditure 平均消费开支；一般消费开支average cost 平均成本average cost of land production 增辟土地平均成本average daily turnover 平均每日成交额average daily wage rate 平均每日工资率average expenditure pattern 平均开支模式average growth rate 平均增长率average net fixed assets 固定资产平均净值average of relatives 相对价格平均数average price 平均价格average propensity to consume 平均消费倾向；一般消费倾向average propensity to save 平均储蓄倾向；一般储蓄倾向average rate 平均率average revenue 平均收入；平均收益average stock 平均库存；平均存货average yearly rent 平均年租avoidance of double taxation 避免双重课税avoidance of tax 避税B:B share Ｂ股；乙类股份BA Asia Limited 美银亚洲有限公司BA Finance (Hong Kong) Limited 美银财务（香港）有限公司back duty 补缴税款back tax 补缴税款backdoor listing “借壳”上市；“买壳”上市back-to-back credit 对开信贷back-to-back loan 对销贷款backwardation 交割延期费〔证券〕；倒价〔期货〕；现货溢价bad debt 坏帐bad debt provision 坏帐准备bad year 歉年bailee 受寄人Bailiff 执达主任Bailiff Office 执达主任办事处bailment 委托保管balance 差额；余额；结余balance brought down 余额承上balance brought forward 〔上年度〕结转；余额承前balance carried down 余额转下balance carried forward 〔本年度〕结转；余额移后balance of international indebtedness 国际借贷差额；国际借贷平衡表balance of international payments 国际收支差额；国际收支平衡表balance of payments 国际收支差额；国际收支平衡表Balance of Payments Manual [International Monetary Fund] 《国际收支手册》〔国际货币基金组织〕balance of proceeds 收入余数balance of trade 贸易差额balance sheet 资产负债表balance sheet date 结算日balance with other banks 存放银行同业的结余balanced budget 平衡预算balancing allowance 结余免税额balancing charge 结余课税Bali International Finance Limited 百达利财务有限公司Banca Commerciale Italiana S.p.A. 意大利商业银行Banca Nazionale del Lavoro S.p.A. 意大利国家劳工银行S.p.A.Banco di Napoli S.p.A. 意大利拿玻里银行S.p.A. Bangkok Bank Public Company Limited 盘谷银行bank acceptance 银行承兑汇票bank account 银行帐户bank account holder 银行帐户持有人bank balance 银行结余bank book 银行存摺bank cashier order 银行本票bank code 银行暗码bank draft 银行汇票Bank Examiner 银行审查主任Bank for International Settlements 国际结算银行bank guarantee 银行担保bank lending 银行贷款bank liquidity 银行流动资金bank loan 银行贷款Bank Melli Iran 伊朗国家银行bank note 银行纸币；钞票bank note handling fee 处理纸币的手续费bank note lawfully issued 合法发行的银行纸币bank note payable to bearer on demand 凭票要求付款予持票人的纸币bank note transaction 货币交易bank notes rate 现钞汇率Bank of America (Asia) Limited 美国（亚洲）银行有限公司Bank of America NT & SA 美国银行Bank of Ayudhya Public Company Limited 大城银行Bank of China 中国银行Bank of China Group 中银集团Bank of Communications 交通银行Bank of East Asia, Limited 东亚银行有限公司Bank of England 英伦银行Bank of Fukuoka Ltd. 冈银行Bank of India 印度银行Bank of Montreal 加拿大满地可银行Bank of Nova Scotia 加拿大丰业银行Bank of Scotland 苏格兰银行Bank of T aiwan 台湾银行Bank of Tokyo-Mitsubishi, Ltd. 东京三菱银行bank rate 银行利率；银行贴现率；银行牌价bank service charges 银行手续费；银行服务费bank statement 银行结单Bank, The [magazine] 《银行家杂志》bank trading day 银行营业日banker 银行家；银行业者；银行banker's acceptance 银行承兑汇票banker's authority 银行权能banker's book 银行簿册bankers' clearing house 银行票据交换所；银行票据结算所banker's draft 银行本票；银行汇票banker's order 银行付款委托书；银行本票banker's record 银行记录Bankers Trust Company 美国信孚银行banker's undertaking 银行承诺Banking Advisory Committee 银行业务谘询委员会Banking and Monetary Section [Financial Services Bureau] 银行及金融组〔财经事务局〕banking business 银行业务Banking (Code of Conduct) Guidelines 1986, The 《一九八六年银行业（行为守则）指引》Banking Development Division [Hong Kong Monetary Authority] 银行业拓展处〔香港金融管理局〕banking facility 银行融资；银行服务banking licence 银行牌照Banking Policy Department [Hong Kong Monetary Authority] 银行政策部〔香港金融管理局〕Banking Policy Division [Hong Kong Monetary Authority] 银行政策处〔香港金融管理局〕Banking Supervision Department [Hong Kong Monetary Authority] 银行监理部〔香港金融管理局〕Banking Supervision Division [Hong Kong Monetary Authority] 银行监理处〔香港金融管理局〕Banking Supervision Review Committee 银行监管检讨委员会banking supervisory authority 银行监管当局banking system 银行体系bank-related broker 与银行有关的经纪bankrupt 破产；破产人bankruptcy court 破产法庭Bankruptcy Estates Account 破产人产业帐户bankruptcy notice 破产通知书bankruptcy order 破产令bankruptcy petition 破产呈请书bankruptcy proceeding 破产法律程序bank's buying rate 银行买价bank's selling rate 银行卖价Banque Nationale de Paris 法国国家巴黎银行Banque Worms 法安银行Barclays Bank plc 柏克莱国际银行bargain hunting 趁低吸纳；在低价位购入Barings crisis 霸菱危机base 基数；基值；基准；基础base cost 基准费用base date 基准日期；基日base index 基本指数base of valuation 估值基准base period 基期；评税基期base rate 基本利率；基本汇率base year 基准年；基年baseline 基线baseline expenditure 基线开支baseline-plus forecast 基线开支及额外开支预测base-weighted Laspeyres index 基本加权的拉斯佩尔指数base-year average price 基年平均价格basic allowance 基本免税额basic personal allowance 基本个人免税额basic salary 基本薪金；底薪basic value 基本值basic wage 基本工资；底薪basis 标准；基准；差价〔有价证券〕basis of assessment 评税标准；评税根据basis of consolidation 帐项综合算法basis of valuation of property 财产估价准则Basle Agreement 《巴塞尔协议》Basle Capital Accord 《巴塞尔资本协定》Basle capital adequacy requirement 巴塞尔资产充足要求Basle Committee 巴塞尔委员会Basle Committee on Banking Supervision 巴塞尔银行监管委员会Basle Committee's 3-times multiplier model 巴塞尔委员会的三倍乘数模式Basle Concordat 《巴塞尔协定》Basle Payments Committee 巴塞尔支付委员会Basle standardized approach 巴塞尔标准计算方法Bauhinia design coin 洋紫荆硬币Bayerische Landesbank Girozentrale 巴伐利亚州银行BCA Finance Limited 中亚财务有限公司BCOM Finance (Hong Kong) Limited 交通财务有限公司BDNI Finance Limited 印尼商业财务有限公司bear 看淡股市者；“淡友”；抛空投机者bear bond 熊债券bear market 熊市；跌市；淡市；空头市场bear position 空仓bearer 持票人bearer bill 不记名汇票bearer bond 不记名债券bearer certificate 不记名票据bearer cheque 不记名支票；来人支票bearer instrument 不记名文书bearer securities 不记名证券behaviour 走势；表现；行为Belgian Franc [BEF] 比利时法郎below-the-line account 线下帐目benchmark 基准benchmark database 基准数据库benchmark entry point 基准起薪点benchmark estimate 基准估计数字benchmark revision 基准数字修订benchmark survey 基准统计benchmark yield curve 基准收益率曲线beneficial holding 实益股份；实益持股量beneficial interest 实益权益beneficial interest in property 财产的实益权益beneficial interest in shareholding 所持实益股份beneficial owner 实益拥有人beneficial ownership 实益拥有权beneficial shareholding 实益股份beneficially interested 享有实质权益beneficially owned 实益拥有beneficially owned share 实益股份beneficiary 受益人；受惠人；受款人；受惠国beneficiary under a trust 信托受益人benefit 利益；福利；津贴；保险赔偿费benefit of contract 合约利益Bergen Bank 卑尔根银行best lending rate 最优惠贷款利率Best Practice Guide 《最佳执行指引》Best Practice Guide on Financial Disclosure by Authorized Institutions 《认可机构披露财务资料的最佳执行指引》bet 投注beta coefficient 贝他系数；“啤打”系数；投资风险与股市风险系数bets and sweeps tax 博彩及彩票税betterment 不动产增值；修缮经费betterment income 资产增值收入betterment profit 以资产增值方法计算的利润额betting duty 博彩税bid 叫价；出价；投标；提出拨款申请；买盘bid price 买价；投标价格；收购价bid rate 买价；投标价；拆入息率bidder 竞投人BII Finance Company Limited 印尼国际财务有限公司bilateral agreement 双边协议；双边协定bilateral meeting 双边会议bilateral netting agreement 双边净额结算协议bilateral repurchase agreement 双边回购协议bill 票据；帐单；汇票；条例草案bill acceptance 票据承兑bill broker 票据经纪bill discounting company 票据贴现公司bill for clearing 交换票据；结算票据bill in a set 汇票联票bill of exchange 汇票bill of lading [B/L] 提单bill of sale [B/S] 卖据；动产抵押据bill payable after sight 见票后付款汇票bill payable on demand 凭票要求付款的汇票bill purchased 出口押汇；买入票据bill receivable 应收票据Bills of Exchange Law 《票据法》blank endorsement 空白背书；不记名背书blanket insurance 总括保险；综合保险；统保blanket policy 总括保险单；统保单block 交易单位〔证券〕；大宗股票；集团block allocation 整体拨款；整笔拨款block capital grant 整笔非经常补助金block discount policy 折扣统保单block grant 整笔补助金block grant system 整笔补助金制度block offer [securities] 整批发售〔证券〕block vote 整体拨款blue chip 蓝筹股；优质股票board lot 交易单位；上牌单位；“一手”Board of Governors of the International Monetary Fund 国际货币基金组织理事会Board of Governors of the World Bank 世界银行理事会Board of Hong Kong Futures Exchange Limited 香港期货交易所有限公司董事局Board of Inland Revenue 税务委员会Board of Review [inland revenue] 税务上诉委员会Board of Trade Clearing Corporation [Chicago] 交易所结算公司〔芝加哥〕Board of Treasury 库务管理委员会board trading 上板式买卖BOCI Capital Limited 中银国际融资有限公司body corporate 法团；法人团体Bogor Declaration 《茂物宣言》bogus transaction 虚假交易bona fide mortgage 真正抵押bona fide transaction 真正交易bona vacantia 无主财物bond 债券；担保契据；担保书；债权证明书bond denominated in Hong Kong dollars 以港元为本位的债券；港元债券bond fund 债券基金bond rating 债券评级bonded warehouse 保税仓bonus 花红；红利；奖金。

（金融保险）常用金融英语词汇常用金融英语词汇Accountspayable应付帐款Accountsreceivable应收帐款Accruedinterest应计利息AccreditedInvestors合资格投资者；受信投资人指符合美国证券交易委员(SEC)条例，可参和壹般美国非公开(私募)发行的部份机构和高净值个人投资者Accreditvalue自然增长值ACE美国商品交易所ADB亚洲开发银行ADR美国存股证；美国预托收据；美国存托凭证[股市]指由负责保管所存托外国股票的存托银行所发行壹种表明持有人拥有多少外国股票(即存托股份)的收据。

ADR壹般以美元计价和进行交易，及被视为美国证券。

对很多美国投资者而言，买卖ADR比买卖ADR所代表的股票更加方便、更流动、成本较低和容易。

大部份预托收据为ADR；但也能够指全球预托收(GDR)，欧洲预托收据(EDR)或国际预托收据(IDR)。

从法律和行政立场而言，所有预托收据具有同样的意义。

ADS美国存托股份Affiliatedcompany关联X公司；联营X公司After-market后市[股市]指某只新发行股票在定价和配置后的交易市场。

市场参和者关注的是紧随的后市情况，即头几个交易日。

有人把后市定义为股价稳定期，即发行结束后的30天。

也有人认为后市应指稳定期过后的交易市况。

然而，较为普遍的是把这段时期视为二级市场AGM周年大会Agreement协议；协定All-or-noneorder整批委托Allocation分配；配置Allotment配股Alpha(MarketAlpha)阿尔法；预期市场可得收益水平Alternativeinvestment另类投资AmericanCommoditiesExchange美国商品交易所AmericanDepositoryReceipt美国存股证；美国预托收据；美国存托凭证(简称“ADR”参见ADR栏目)AmericanDepositoryShare美国存托股份AmercianStockExchange美国证券交易所Americanstyleoption美式期权Amex美国证券交易所Amortization摊销AmsterdamStockExchange阿姆斯特丹证券交易所AnnualGeneralMeeting周年大会Antitrust反垄断APEC亚太区经济合作组织(亚太经合组织)Arbitrage套利；套汇；套戥Arbitration仲裁Arm'slengthtransaction公平交易ArticlesofAssociationX公司章程；组织细则At-the-moneyoption平价期权；等价期权ASEAN东南亚国家联盟(东盟) Asianbanksyndicationmarket亚洲银团市场Asiandollarbonds亚洲美元债券AssetAllocation资产配置AssetManagement资产管理Assetswap资产掉期Assignmentmethod转让方法；指定分配方法ASX澳大利亚证券交易所AucklandStockExchange奥克兰证券交易所Auctionmarket竞价市场Authorizedcapital法定股本；核准资本Authorizedfund认可基金Authorizedrepresentative授权代表AustralianOptionsMarket澳大利亚期权交易所AustralianStockExchange澳大利亚证券交易所Back-doorlisting借壳上市Back-endload撤离费；后收费用Backoffice后勤办公室BacktobackFXagreement背靠背外汇协议Balanceoftrade贸易平衡Balancesheet资产负债表Balloonmaturity期末放气式偿仍Balloonpayment最末期大笔仍清Bank,Banker,Banking银行；银行家；银行业BankforInternationalSettlements国际结算银行Bankruptcy破产Baseday基准日Baserate基准利率Basispoint基点；点子Basisswap基准掉期Bearmarket熊市；股市行情见淡Bearer持票人Bearerstock不记名股票Behind-the-scene未开拓市场Belowpar低于平值Benchmark比较基准Beneficiary受益人Beta(Marketbeta)贝他(系数)；市场风险指数Bestpractice最佳做法Billsdepartment押汇部BIS国际结算银行Blackoutperiod封锁期Blocktrade大额交易；大宗买卖Bluechips蓝筹股Boardofdirectors董事会Bonafidebuyer真诚买家Bondmarket债券市场，债市Bonds债券，债票Bonusissue派送红股Bonusshare红股Bookvalue帐面值Bookbuilding建立投资者购股意愿档案[股市]包销商用以定价壹笔发行的方法。

（金融保险）金融词汇表ABS 资产担保证券（Asset Backed Securities的英文缩写）Accelerated depreciation 加速折旧Acceptor 承兑人；受票人；接受人Accommodation paper 融通票据；担保借据Accounts payable 应付帐款Accounts receivable 应收帐款Accrual basis 应计制；权责发生制Accrued interest 应计利息Accredited Investors 合资格投资者；受信投资人指符合美国证券交易委员(SEC)条例，可参与一般美国非公开(私募)发行的部份机构和高净值个人投资者Accredit value 自然增长值Accrediting 本金增值适用于多种工具，指名义本金在工具（如上限合约、上下限合约、掉期和互换期权）的期限内连续增长。

ACE 美国商品交易所Acid Test Ratio 酸性测验比率；速动比率Across the board 全面一致；全盘的Acting in concert 一致行动；合谋Active assets 活动资产；有收益资产Active capital 活动资本Actual market 现货市场Actuary 精算师；保险统计专家ADB 亚洲开发银行ADR 美国存股证；美国预托收据；美国存托凭证[股市] 指由负责保管所存托外国股票的存托银行所发行一种表明持有人拥有多少外国股票(即存托股份)的收据。

ADR一般以美元计价和进行交易，及被视为美国证券。

对很多美国投资者而言，买卖ADR比买卖ADR所代表的股票更加方便、更流动、成本较低和容易。

大部份预托收据为ADR；但也可以指全球预托收(GDR) ，欧洲预托收据(EDR) 或国际预托收据(IDR) 。

从法律和行政立场而言，所有预托收据具有同样的意义。

ADS 美国存托股份Ad valorem 从价；按值Affiliated company 关联公司；联营公司After date 发票后，出票后After-market 后市[股市] 指某只新发行股票在定价和配置后的交易市场。

汇丰银行保险词汇累积结余(Accumulated value)人寿保单〔有储蓄成份的〕之现金价值结余。

全险(All Risks)这个名词外表涵义使人有点混淆，以为这类保险包括范围相当广泛。

事实上，有些风险仍然不在承保之列。

换言之，投保人不应对「全险」一词顾名思义，而应详细阅读保单内的条文。

年金(Annuity)年金方案是一种向保险公司领取现金的保险方案，用途多以作为养老金。

保险公司会收取受领人〔Annuitant〕一笔款项作为支付年金的代价。

年金的受领人可以一个或多过一个，而购置年金可以在开始时一次过缴付，亦可以是预先分期缴付。

比例计算法(Average)保持十足的投保额，使承保人能收取足够的保费是极为重要的，如投保额缺乏，保险公司会采用「比例制度」。

这个制度乃为投保额缺乏的情况而设，让投保人需要承当缺乏局部的风险。

现时大局部财物和财务方面的保险都采用比例制度来计算赔偿。

「比例分担」条文(Average condition)应用于财物保险(船舶保险除外)。

如投保额低于重置财物之市值，那么赔偿额会于赔偿时按比例减少。

受益人(Beneficiary)保单持有人所指定承受保险赔偿金的个人或个体。

改善(Betterment)投保于「赔偿契约」保单的财物，经重建或修理后有所改善。

盗窃罪(Burglary)通常指强行或以暴力进入或离开有关场所的偷窃行为，较完全偷窃保险的限制为多。

如果您有购置窃盗保险，那么应查阅实际提供的承保范围，确保切合您的需要。

现金价值(Cash value)保单持有人在取消保单合约时可以取回之款项。

保险凭证(Certificate of insurance)由团体保单持有人对个别受保人发出之保险证明，内容清楚说明受保范围。

赔偿(Claim)根据保单条款而支付的款项。

损害赔偿合约(Contract of indemnity)适用于财物保险，目的是赔偿投保人遭受的损失，主要是防止投保人从不幸中获利〔得到的赔偿比损失为大〕。

（金融保险）常见金融英语词汇一览常见金融英语词汇壹览bigmacs,big/large-capstock,mega-issue大盘股offering,list上市bourse证交所corporatechampion龙头企业ShanghaiExchange上海证交所pensionfund养老基金mutualfund共同基金hedgemutualfund对冲式共同基金share股票valuation股价underwriter保险商governmentbond政府债券savingaccount储蓄帐户equitymarket股市shareholder股东delist摘牌mongey-loser亏损企业inventory存货tradedcompany,tradingenterprise上市X公司stakeholder利益相关者transparency透明度marketfundamentalist市场经济基本规则damage-contralmachinery安全顾问efficientmarket有效市场intellectualproperty知识产权opportunisticpractice投机行为entrepreneur企业家cookthebook做假帐regulatorysystem监管体系portfolio投资组合money-market短期资本市场capital-market长期资本市场volatility波动diversification多元化realestate房地产option期权calloption见涨期权putoption见跌期权merger且购arbitrage套利SecuritiesandExchangeCommission〈美〉证券交易委员会dollarstandard美元本位制budget预算deficit赤字baddebt坏帐macroeconomic宏观经济fiscalstimulus财政刺激astoreofvalue保值transactioncurrency结算货币forwardexchange期货交易interventioncurrency干预货币Treasurybond财政部公债current-account经常项目pickupinrice物价上涨FederalReserve美联储inflation通货膨胀deflation通货紧缩tightercredit紧缩信贷monetarypolicy货币政策foreighexchange外汇spottransaction即期交易forwardtransaction远期交易optionforwardtransaction择期交易swaptransaction调期交易quote报价settlmentanddelivery交割buyingrate买入价sellingrate卖出价spread差幅contract合同atpar平价premium升水discount贴水directquoationmethod直接报价法indirectquoationmethod间接报价法dividend股息domesticcurrency本币floatingrate浮动利率parentcompany母X公司creditswap互惠贷款venturecapital风险资本bookvalue帐面价值physicalcapital实际资本IPO(initialpublicoffering)新股首发；首次公开发行jobmachine就业市场welfarecapitalism福利资本主义collectivemarketcap市场资本总值golbalcorporation跨国X公司transnationalstatus跨国优势transferprice转让价格consolidation兼且leverage杠杆FederalReserve美联储financialturmoil/meltdown金融危机fileforbankruptcy申请破产bailout救助takeover收购buyout购买(某人的)产权或全部货物gounder破产takeanosedive（股市）大跌tumble下跌falter摇摇欲坠onthehook被套住shoreupconfidence提振市场信心staveoff挡开,避开, liquidateassets资产清算atfiresaleprices超低价sell-off证券的跌价。

汇丰银行保险词汇汇丰银行在全球范围内提供多种保险服务，旨在帮助个人和企业实现财务保障和风险管理。

本文将介绍汇丰银行保险服务中常见的几个词汇。

1. 人寿保险(Life Insurance)人寿保险是最常见的一种保险，它为被保险人提供在其生命期间或死后一定时间内的经济保障。

汇丰银行的人寿保险涵盖了很多领域，如收入保障、储蓄、退休计划等。

被保险人需要在保险合同中选择保障金额和保障期限，并按照保险公司的规定缴纳保险费。

如果在保障期限内被保险人去世或身体严重受伤，保险公司将按照合同约定向受益人支付保险金。

2. 医疗保险(Medical Insurance)医疗保险是指为被保险人提供医疗服务和费用保障的保险。

汇丰银行的医疗保险包括住院和门诊医疗保险。

被保险人需要在保险合同中选择保障范围和保险费，并缴纳保险费。

当被保险人因疾病或意外受伤需要住院或门诊治疗时，保险公司将根据合同约定向其提供一定的医疗费用报销。

3. 意外保险(Accidental Insurance)意外保险是指为被保险人提供因意外造成的伤害或残疾赔偿的保险。

汇丰银行的意外保险通常涵盖病死和意外身故保障、意外医疗保障和意外伤残保障。

被保险人需要在保险合同中选择保障范围、比例和保险费，并缴纳保险费。

当被保险人因意外造成伤害或残疾时，保险公司将根据合同约定向其提供一定的赔偿金。

4. 财产保险(Property Insurance)财产保险是指为被保险人提供财产损失所需的赔偿保险。

汇丰银行的财产保险通常涵盖房屋、车辆、电子设备和珍贵物品等财产的保险。

被保险人需要在保险合同中选择保障范围、保险金额和保险费，并缴纳保险费。

当被保险人的财产受到损失或损坏时，保险公司将根据合同约定向其提供一定的赔偿金。

5. 投资连结保险(Investment-Linked Insurance)投资连结保险是指将保险与投资相结合的一种保险。

被保险人可以将保险费用投入到一个投资账户中，由保险公司管理。

常见银行英语词汇account number 帐目编号depositor 存户pay-in slip 存款单a deposit form 存款单a banding machine 自动存取机deposit receipt 存款收据certificate of 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 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unincorporated bank 钱庄branch bank 银行分行trustee savings bank 信托储蓄银行trust pany 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mercial credit pany(discount pany) 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land bank 土地银行construction bank 建设银行industrial and mercial bank 工商银行bank of munications 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depreciation accounting 折旧会计puterized accounting 电脑化会计general ledger 总帐subsidiary ledger 分户帐cash book 现金出纳帐cash account 现金帐journal, day-book 日记帐，流水帐bad debts 坏帐surplus 结余idle capital 游资economic boom 经济繁荣economic recession 经济衰退economic depression 经济萧条economic recovery 经济复苏devaluation 货币贬值revaluation 货币增值international balance ofpayment 国际收支favourable balance 顺差adverse balance 逆差hard currency 硬通货soft currency 软通货international monetary system 国际货币制度the purchasing power of money 货币购买力money in circulation 货币流通量note issue 纸币发行量national gross product 国民生产总值public bond 公债stock, share 股票debenture 债券treasury bill 国库券debt chain 债务链direct exchange 直接（对角）套汇indirect exchange 间接（三角）套汇cross rate, arbitrage rate 套汇汇率foreign currency (exchange) reserve 外汇储备foreign exchange fluctuation 外汇波动foreign exchange crisis 外汇危机discount rate, bank rate 贴现率gold reserve 黄金储备money (financial) market 金融市场stock exchange 股票交易所broker 经纪人mission 佣金bookkeeping 簿记bookkeeper 簿记员an application form 申请单bank statement 对帐单letter of credit 信用证strong room, vault 保险库equitable tax system 等价税则specimen signature 签字式样banking hours, business hours 营业时间常见职位、职务英文译名Accounting Stall会计部职员Accounting Supervisor会计主管Administrative Clerk行政办事员Advertising Staff广告工作人员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业务主任Business Manager业务经理Cashier出纳员Civil Engineer土木工程师Clerk/Receptionist职员／接待员Copywriter广告文字撰稿人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工程技术员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外汇部职员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（计算机）硬件工程师Import Liaison Staff进口联络员Insurance Actuary保险公司理赔员International Sales Staff 国际销售员Legal Adviser法律顾问Line Supervisor生产线主管Maintenance Engineer维修工程师Management Consultant管理顾问Manufacturing Engineer制造工程师Market Analyst市场分析员Market Development Manager市场开发部经理Marketing Executive销售主管Marketing Representative 销售代表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职员Operational Manager业务经理Package Designer包装设计师Passenger Reservation Staff乘客票位预订员Plant/Factory Manager厂长Promotional Manager推销部经理Proof-reader校对员Purchasing Agent采购（进货）员Real Estate Staff房地产职员Recruitment Coordinator招聘协调人Regional Manger地区经理Sales Coordinator销售协调人School Registrar学校注册主任Securities Custody Clerk 保安人员Senior Consultant/Adviser 高级顾问Simultaneous Interpreter同声传译员Trade Finance Executive 贸易财务主管Trainee Manager培训部经理Trust Banking Executive银行高级职员常用金融英语词汇的翻译acquiring pany 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 规模经济emerging economies 新兴经济exchange-rate regime 汇率机制fund and financing 筹资融资global financial architecture 全球金融体系global integration, globality 全球一体化，全球化go public 上市growth spurt （经济的）急剧增长have one's "two mas" 百万富翁hedge against 套期保值housing mortgage 住房按揭holdings 控股，所持股份holding pany 控股公司initial offerings 原始股initial public offerings 首次公募innovative business 创新企业intellectual capital 智力资本inter-bank lending 拆借internet customer 网上客户investment payoff period 投资回收期joint-stock 参股mall rat 爱逛商店的年轻人means of production 生产要素(the)medical cost social pool for major diseases 大病医疗费用社会统筹mergers and acquisitions 并购mobile-phone banking 移动电话银行业moods 人气net potato 网虫non-store seling 直销offering 新股online-banking 网上银行业online-finance 在线金融online client （银行的）网上客户paper profit 帐面收益physical assets 有形资产project fund system 项目资本金制度pyramid sale 传销recapitalize 资产重组regional corrency blocks 地区货币集团regulate 调控sell off 变现share(stock) option 期权，股票认购权smart card 智能卡slash prices 杀价spare capacity 闲置的生产能力strong growth 强劲的增长势头switch trade 转手贸易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 财政转移支付venture-capital 风险资本virtual bank 虚拟银行wire transfer 电子转帐国际会计术语英汉对照Account 帐户American Institute of CPAs 美国注册会计师协会Audit 审计Balance sheet 资产负债表Bookkeepking 簿记Cash flow prospects 现金流量预测Certificate in Internal Auditing 内部审计证书Certificate in Management Accounting 管理会计证书Certificate Public Accountant 注册会计师External users 外部使用者Financial accounting 财务会计Financial Accounting Standards Board 财务会计准则委员会Financial forecast 财务预测Generally accepted accounting principles 公认会计原则General-purpose information 通用目的信息Government Accounting Office 政府会计办公室Ine statement 损益表Institute of Internal Auditors 内部审计师协会Institute of Management Accountants 管理会计师协会Integrity 整合性Internal auditing 内部审计Internal control structure 内部控制结构Internal Revenue Service 国内收入署Return of investment 投资回报Return on investment 投资报酬Securities and Exchange mission 证券交易委员会Statement of cash flow 现金流量表Statement of financial position 财务状况表Tax accounting 税务会计Accounting equation 会计等式Articulation 勾稽关系Business entity 企业个体Capital stock 股本Cost principle 成本原则Creditor 债权人Deflation 通货紧缩Disclosure 批露Financial statement 财务报表Financial activities 筹资活动Going-concern assumption 持续经营假设Liabilities 负债Negative cash flow 负现金流量Operating activities 经营活动Owner's equity 所有者权益Partnership 合伙企业Positive cash flow 正现金流量Retained earning 留存利润Revenue 收入Sole proprietorship 独资企业Solvency 清偿能力Stable-dollar assumption 稳定货币假设Stockholders 股东Stockholders' equity 股东权益Window dressing 门面粉饰经济金融术语汉英对照表按可比口径on parable basis 按轻重缓急to prioritize暗补implicit subsidy暗亏hidden loss颁发营业执照to license;to grant a licence to办理存款业务to take deposits保护农民的生产积极性to protect farmers'incentive to produce备付金（超额准备金）excess reserves本外币并账consolidation of domestic and foreign currencyaccounts本外币对冲操作sterilization operation本位利益localized interest;departmentalism奔小康to strive to prosper;to strive to bee well-to-do避税（请见“逃税”）tax avoidance币种搭配不当currency mismatch币种构成currency position 变相社会集资disguised irregular（or illegal）fund raising 表外科目（业务）off-balance-sheet items （operation）薄弱环节weaknesses;loopholes不变成本fixed 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 panies 财政赤字fiscal deficit财政挤银行fiscal pressure on the central bank（over monetary policy）财政政策与货币政策的配合coordination of fiscal and monetary policies采取循序渐进的方法in a phased and sequenced manner操作弹性operational flexibility操纵汇率to manipulate exchange rate产品构成productposition;product mix产品积压stockpile;excessive inventory产销率current period inventory;（即期库存，不含前期库存）sales/output ratio产销衔接marketability产业政策industrial policy长期国债treasury bonds敞口头寸open position炒股to speculate in the stock market承购包销underwrite （securities）成套机电产品plete sets of equipment;plete plant（s）城市信用社urban credit cooperatives（UCCs）城市合作银行urban cooperative banks;municipal united banks城市商业银行municipal mercial banks城乡居民收入增长超过物价涨幅real growth in household ine持续升温persistent overheating重复布点duplicate projects 重置成本replacement cost 重组计划restructuring plan 筹资渠道funding sources;financing channels 初见成效initial success出口统一管理、归口经营canalization of exports出口退税export tax rebate 储蓄存款household deposits （不完全等同于西方的savingsdeposits，前者包括活期存款，后者不包括。

内容大纲：外汇与汇率* 通汇合约Agency Agreement* 通汇银行Correspondent Bank* 商业汇票Commercial Bill of Exchange* 银行支票Banker’s Check* 国外汇票Foreign Bill of Exchange* 关键货币Key Currency：是指国际上普遍接受的，该国国际收支中使用最多，外汇储备中占比最大的自由外汇。

目前来说，美元、欧元、日元为大多数国家的关键货币。

* 汇率Exchange Rate* 直接标价法Direct Quotation* 间接标价法Indirect Quotation* 汇价点Point* 买入汇率Buying Rate* 卖出汇率Selling Rate* 中间汇率Medial Rate：买入汇率与卖出汇率的平均数就称为中间汇率。

中间汇率常用来对汇率进行分析，例如，传媒为了方便人们参与外汇买卖，掌握外汇买卖行情，其报道的汇率多为中间汇率。

我国用于结算本国贸易与非贸易的从属费用的结算也采用外汇牌价的中间汇率，套算汇率也是用有关货币的中间汇率套算出来的。

* 现钞汇率Bank Note Rate* 即期汇率Spot Rate* 远期汇率Forward Rate* 基本汇率Basic Rate* 套算汇率Cross Rate* 固定汇率Fixed Rate* 浮动汇率Floating Rate* 可调整的钉住Adjustable Peg* 单一汇率Single Rate：“复汇率”的对称，凡是一国对外仅有一个汇率，各种不同来源与用途的收付均按此计算，或本币对各种外币的既期外汇交易的买卖价不超过2%者，既称为单一汇率。

* 复汇率Multiple Rate* 贸易汇率Commercial Rate：专门用于进出口贸易货价及从属费用的计价、交易、结算和结汇的汇率。

实行贸易汇率，主要是为了推动本国出口贸易的发展，改善国际收支状况。

（金融保险）金融英语词汇a flat percentage rate of income 统一比率的所得税税率1. a long position 多头部位，利多形势2. a long position 多头寸；买进的期货合同3. a put option on a debt security 债务证券的卖出期权4. a sales slip 签购单据，售货清单5. a short position 空头部位，短缺头寸6. a short position 空头；卖出的期货合同7. a tax return 税务申报表8.abnormal depreciation 特别折旧9.abnormal spoilage 非正常损坏10.aboriginal cost 原始成本11.acceptance bank 票据承兑行12.acceptance method 承兑方式13.acceptance risks 承兑风险14.accepting bank 承兑银行15.accessory risks 附加保险，附加险16.accident insurance 意外保险（不包括海上，火灾和人寿险）17.accommodation of funds 资金融通18.accompany vt. 附带，伴随，陪同19.account charges 账户费用20.account current (A/C,a/c) 往来帐户21.account number (A/N) 帐号22.account statement 帐户清单23.accounting exposure 会计风险24.accounting risks 会计风险25.accounting value 帐面价值26.accounts of assured 保险帐户27.accrued bond interest 应计债券利息28.accrued depreciation 应计折旧29.accrued dividend 应计股利30.acknowledgement of declaration (under op预约保险申报确认书31.active securities 热头股票，活跃的证券32.actual cash value （保险用语）实际现金价值33.actual rate 实际汇率34.adaptive expectations 适应性预期35.additional insurance 加保，附加保险36.additional reserve 追加准备金37.adjustable policy 可调整的保险单38.adjustable premium 可调整的保险费39.adjusted debit balance 已调整的借方余额40.advance payment of premium 预缴保险费41.advance-decline theory 涨跌理论42.adverse exchange 逆汇、逆汇兑43.advice of drawing 提款通知书44.advising bank 通知银行45.affiliated bank 联行46.affiliated person 关联人47.aftermarket 次级市场48.agent for collection 托收代理银行49.Agricultural Bank of China 中国农业银行50.agricultural loans 农业贷款51.agricultural（animal husbandry）tax 农（牧）业税52.allowance for doubtful debt 备抵呆帐款项53.alternative (either/or) order 选择指令54.American Express card 运通卡55.American terms 美国标价法56.amount in figures 小写金额57.amount in words 大写金额58.annual membership dues 年费59.application form for a banking account 银行开户申请书60.appointed bank 外汇指定银行61.appreciation of exchange rate 汇率升值62.arbitrage 套利63.arbitrage 套购，套利，套汇64.arbitrage of exchange 套汇65.arbitrage of exchange or stock 套汇或套股66.arbitrage opportunity 套价机会67.arbitrage risks 套汇风险68.as agent 做代理69.as principal 做自营n Development Fund (ADB) 亚洲开发银行71.ask price = asking price = offer price 出售价，报价，开价，出价72.ask-bid system 竞价系统73.assessment of loss 估损74.assets insurance 资产保险75.assignment of policy 保单转让76.assumption of risk 承担风险77.asymmetry 不对称78.at owner's risk 风险由货主负担79.at-the-close order 收盘指令80.at-the-market 按市价81.at-the-money 平值期权82.at-the-opening (opening only) order 开盘指令83.auction marketplace 拍卖市场84.automated teller machines (24 hours a day) 自动取款机（24小时服务）85.automatic transfers between accounts 自动转帐86.average 平均数87.baby bond 小额债券88.back spreads 反套利89.back wardation 现货溢价90.balance n. 结余，差额，平衡91.bank balance 存款余额92.bank balance over required reserves 超出法定（必备）储备的银行存款余额93.bank deposit 银行存款94.Bank of China 中国银行95.Bank of Communications 交通银行96.bank of deposit 存款银行97.bank of the government 政府的银行98.banker's association 银行协会99.banker's bank 中央银行100.banker's guarantee 银行担保101.bank's buying rate 银行买入价102.bank's selling rate 银行卖出价103.banks with business dealing with the center中央银行的往来银行104.Barclay card 巴克莱银行信用卡105.base rate 基本汇价106.basis order 基差订单107.basis risk 基差风险108.bear market 熊市109.bear operation 卖空行为110.bear raiders 大量抛空者111.beneficial owner 受益所有人112.beneficiary of insurance 保险金受益人113.best-efforts offering 尽力推销（代销）发行114.bid and ask prices 买入和卖出价115.bid and ask spread 买卖差价116.bid price = buying price 买价117.bid-ask spread 递盘虚盘差价118.big board 大行情牌119.big slump 大衰退（暴跌）120.bill-paying services 代付帐款121.black market 黑市122.black market financing 黑市筹资123.black money 黑钱124.blanket mortgage 总括抵押125.block positioner 大宗头寸商126.blowout 畅销127.blue-chip stocks 蓝筹股128.board of arbitration 仲裁委员会129.board of governors 理事会130.bond fund 债券基金131.borrowing from affiliates 向联营公司借款132.borrowing power of securities 证券贷款能力133.borrowing risks 借款风险134.bought deal 包销135.bread and butter business 基本业务136.breadth index 宽度指数137.break-even 不亏不盈，收支相抵138.breakout 突破139.bridging finance 过渡性融资140.broker 经纪人，掮客141.brokerage 经纪人佣金142.brokerage 经纪业；付给经纪人的佣金143.brokerage firm 经纪商（号）144.broker's loan 经纪人贷款145.broking house 经纪人事务所146.building agreement 具有约束力的协定147.building tax （tax on construction）建筑税148.bullish 行情看涨149.business insurance 企业保险150.business risk 营业风险151.business savings 企业储蓄152.business tax 营业税153.business term loan 企业长期贷款154.bust-up risks 破产风险155.buyer's risks 买方风险156.call (option) 买方期权，看涨期权157.call and put options 买入期权和卖出期权158.call for funds 控股、集资159.call loan transaction 短期拆放往来160.call market 活期存款市场161.call money 拆放款162.call options on an equity 权益（证券）的买入期权163.call-options 认购期权164.cancellation 取消165.cancellation money 解约金166.cap 带利率上限的期权167.capital assets 资本资产168.capital lease 资本租赁169.capital market 信贷市场、资本市场170.capital resources 资本来源171.capital surplus 资本盈余172.capital transfer 资本转移173.capital turnover rate 资本周转率174.card issuing institution 发卡单位175.carefully selected applicant 经仔细选定的申请人176.cargo insurance 货物保险177.cash 现金，现款v.兑现，付现款178.cash a cheque 支票兑现179.cash account 现金帐户180.cash advance 差旅预支款181.cash against bill of lading 凭提单付现182.cash against documents（C.A.D.）凭单付现，凭单据付现金=document against cash183.cash and carry 付现自运；现金交易和运输自理；现购自运商店184.cash and carry wholesale 付现自运批发185.cash assets 现金资产186.cash audit 现金审核187.cash audit 现金审核，现金审计188.cash balance 现金余额，现款结存189.cash basis 现金制190.cash basis 现金制，现金基础191.cash basis accounting 现金收付会计制192.cash before delivery（C.B.D.）空货前付款，付款后交货，付现款交货193.cash bonus 现金红利194.cash book 现金簿；现金帐；现金出纳帐195.cash boy 送款员196.cash budget 现金预算197.cash card1 （银行）自动提款卡198.cash card2 现金卡199.cash claim 现金索赔200.cash collection basis 收现法，收现制201.cash credit 活期信用放款，现金付出202.cash credit slip 现金支出传票203.cash currency 现金通货204.cash cycle 现金循环，现金周期205.cash day 付款日206.cash debit slip 现金收入传票207.cash department （商业机构中的）出纳部=counting-house 208.cash deposit 现金存款；保证金209.cash deposit as collateral 保证金，押金210.cash desk （商店、饭馆的）付款处211.cash disbursements 现金支出212.cash discount (c.d.) 现金折扣，付现折扣=settlement discount 213.cash dispenser （美）自动提款机=cashomat 214.cash dividend 现金股利215.cash down 即付，付现216.cash equivalent value 现金等值，现金相等价值217.cash flow 资金流动218.cash flow 现金流动219.cash flow stream 现金流（量）220.cash holdings 库存现金221.cash holdings 库存现金222.cash in advance (c.i.a.) 预付现金223.cash in bank 存银行现金，银行存款224.cash in hand （商行的）手头现金，库存现金=cash on hand 225.cash in transit 在途现金，在运现金226.cash in transit policy 现金运送保险单227.cash in treasury 库存现金228.cash invoice 现购发票229.cash items 现金帐项，现金科目230.cash journal 现金日记簿231.cash liquidity 现金流动（情况）；现金周转232.cash loan 现金贷款233.cash management services 现金管理业务234.cash market 现金交易市场，现货市场，付现市场235.cash nexus 现金交易关系236.cash on arrival 货到付现，货到付款237.cash on bank 银行存款；银行付款；现金支票付款238.cash on deliver (C.O.D) （英）交货付款，现款交货＝collect on delivery 239.cash on delivery (COD) 交割付款240.cash order（C/O）现金订货241.cash paid book 现金支出簿242.cash payment 现金支付243.cash payment 现金付款，现付244.cash payments journal 现金支出日记帐245.cash position 头寸246.cash position 现金状况，现金头寸247.cash price 现金售价，现金付款价格248.cash purchase 现购，现金购买249.cash railway （商店中的）货款传送线250.cash ratio 现金比率251.cash receipts (CR) 现金收入252.cash receipts journal 现金收入日记帐253.cash records 现金记录254.cash register 现金登记机，现金收入记录机，收银机255.cash remittance 汇款单；解款单256.cash remittance note 现金解款单，解款单257.cash requirement 现金需要量258.cash reserve 现金储备（金）259.cash resources 现金资源，现金来源260.cash resources (reserves) 现金准备261.cash sale 现售，现金销售=sale by real cash 262.cash sale invoice 现销发票，现售发票263.cash settlement 现金结算，现汇结算264.cash short and over 现金尾差，清点现金余差；现金短溢265.cash slip 现金传票266.cash statement 现金报表，（现金）库存表267.cash ticket 现销票，门市发票268.cash transaction 现金交易269.cash verification 现金核实，现金核查270.cash voucher 现金凭单；现金收据271.cash with order （c.w.o., C.W.O.订货时付款，订货付现，落单付现272.cash without discount 付现无折扣273.cash yield discount 现金获利率，现金收益率274.cash-and-carry arbitrage 现货持有套利275.cashier 出纳员，收支员276.cashier's cheque (C.C.) 银行本票=cashier's order277.central rate 中心汇率（一国货币对美元的汇率，并据此计算对其他货币的汇率）278.certificate of balance 存款凭单279.Certificate of Deposits (CDs) 大额定期存款单280.certificated security 实物证券281.certificates of deposit (CDs) 大面额存款单282.certifying bank 付款保证银行283.change hands 交换，换手284.chartered bank 特许银行285.chattel 动产286.chattel mortgage 动产抵押287.chattel mortgage 动产抵押288.chattel mortgage bond （美）动产抵押（公司）债券289.chattel personal （私人）动产290.chattel real 准不动产（土地权等）291.check certificate 检验证明书292.check deposit 支票存款293.check list （核对用的）清单294.check sheet 对帐单295.checking account 支票帐户296.checking deposits 支票存款，活期存款297.checking reserve 支票现金储备298.checkstand （超级市场的）点货收款台299.cheque (payable) to bearer 来人支票，不记名支票300.cheque book 支票簿301.cheque book stub 支票簿存根302.cheque card 支票卡303.cheque collection 支票兑取304.cheque collector 支票兑取人305.cheque crossed 划线支票306.cheque crossed generally 普通划线支票307.cheque crossed specially 特别划线支票308.cheque deposit 支票存款309.cheque drawer 支票出票人310.cheque holder 支票执票人311.cheque only for account 转帐支票312.cheque payable at sight 见票即付支票313.cheque protector 支票银码机314.cheque rate 票据汇兑汇率，票汇价格=sight rate ,short rate 315.cheque register 支票登记簿316.cheque returned 退票，退回的支票317.cheque signer 支票签名机318.cheque stub 支票存根319.cheque to order 记名支票，指定人支票320.China Investment Bank 中国投资银行321.circulation risks 流通风险322.circulation tax （turnover tax）流转税323.city bank 城市银行324.claim a refound 索赔325.clean collections 光票托收326.clearing bank 清算银行327.clearing house 清算所328.clearinghouse 清算公司，票据交换所329.close out 平仓，结清（账）330.closed and mortgage 闭口抵押331.closing order 收市价订单332.closing rate 收盘价333.closing transaction 平仓交易334.collar 带利率上下限的期权335.collateral loan 抵押借款336.collecting bank 托收银行337.collecting bank 托收银行338.collecting bank 代收行339.collection instructions 委托（托收的）单据340.collection items 托收业务，托收项目341.collection of trade charges 托收货款342.collection on clean bill 光票托收343.collection on documents 跟单托收344.collection order 托收委托书345.collection risk 托收风险346.collection risks 托收风险347.collection service 托收服务348.collective-owned enterprise bonus tax 集体企业奖金税349.collective-owned enterprise income tax 集体企业所得税mercial and industrial loans 工商贷款mercial deposit 商业存款mercial paper 商业票据mercial paper house 经营商业票据的商号mercial risk 商业风险mercial terms 商业条件mission 佣金modity futures 商品期货modity insurance 商品保险mon collateral 共同担保mon fund 共同基金mon stock 普通股mon trust fund 共同信托基金pensatory financing 补偿性融资petitive risks 竞争风险posite depreciation 综合折旧pound interest 复利pound rate 复利率pound rate deposit 复利存款prehensive insurance 综合保险370.condominium 公寓私有共有方式371.confirming bank 保兑银行372.congestion area 震荡区373.congestion tape 统一自动行情显示374.conservatism and liquidity 稳健性与流动性375.consortium bank 银团银行376.constructure risk 建设风险377.consumer financing 消费融资378.contingent risks 或有风险379.contract money 合同保证金380.contract size 合约容量381.contracts of difference 差异合约382.contractual value 合同价格383.controlled rates 控制的汇率384.converge 集聚，（为共同利益而）结合一起385.conversion 汇兑、兑换386.convertible currency 可兑换的货币387.cooling-off period 等待期388.cooperative financing 合作金融389.cornering the market 操纵市场390.corners 垄断391.corporate deposits 法人存款392.correspondent 代理行393.cost of maintenance 维修费394.counter-inflation policy 反通货膨胀对策395.cover 弥补，补进（卖完的商品等）396.cover 弥补（损失等）；负担（开支）；补进（商品或股票等）；保险397.coverage 承保险别；保险总额；范围保险398.coverage ratio 偿债能力比率399.cover-note 暂保单；投保通知单400.credit 信用，信贷401.credit account (C.A., C/A) 赊帐=open account2 402.credit agreement 信贷协定403.credit amount 信贷金额；赊帐金额；信用证金额404.credit analysis 信用分析405.credit balance 贷方余额，结欠，贷余406.credit bank 信贷银行407.credit beneficiary 信用证受益人408.credit business 赊售，信用买卖409.credit buying 赊购410.credit capital 信贷资本411.credit cards 信用卡412.credit control 信用控制413.credit control instrument 信用调节手段414.credit expansion 信用扩张415.credit extending policy 融资方针416.credit facility 信用透支417.credit limit 信用额度418.credit restriction 信用限额419.credit risk 信用风险420.credit union 信用合作社421.creditor bank 债权银行422.crop up (out) 出现，呈现423.cross hedge 交叉套做424.cross hedging 交叉保值425.cum dividend 附息426.cum rights 含权427.cumulative preferred stock 累积优先股428.currency futures 外币期货429.currency futures contract 货币期货合约430.current fund 流动基金431.current futures price 现时的期货价格432.current ratio 流动比率433.customize 按顾客的具体要求制作434.customs duty（tariffs）关税435.D/D (Banker's Demand Draft) 票汇436.daily interest 日息437.daily limit 每日涨（跌）停板438.date of delivery 交割期439.dealers 批发商440.death and gift tax 遗产和赠与税441.debt of honour 信用借款442.debtor bank 借方银行443.decision-making under risk 风险下的决策444.deed 契约445.deed tax 契税446.deferred savings 定期存款447.deficit covering 弥补赤字448.deficit-covering finance 赤字财政449.deflation 通货紧缩450.delivery date 交割日451.demand pull inflation 需求拉动通货膨胀452.demand-deposit or checking-accounts 活期存款或支票帐户453.deposit account (D/A) 存款帐户454.deposit at call 通知存款455.deposit bank 存款银行456.deposit money 存款货币457.deposit rate 存款利率458.deposit turnover 存款周转率459.depreciation risks 贬值风险460.derivative deposit 派生存款461.derived deposit 派生存款462.designated currency 指定货币463.deutsche marks (=DM) 西德马克464.devaluation of dollar 美元贬值465.developer 发展商466.Development Bank 开发银行467.development financing 发展融资468.devise 遗赠469.die intestate 死时没有遗嘱470.Diners card 大莱信用卡471.direct exchange 直接汇兑472.direct financing 直接融资473.direct hedging 直接套做474.direct leases 直接租赁475.direct taxation 直接税476.discount credit 贴现融资477.discount market 贴现市场478.discount on bills 票据贴现479.discount paid 已付贴现额480.discounted cash flow 净现金量481.discounting bank 贴现银行482.dishonour risks 拒付风险483.disintermediation 脱媒484.distant futures 远期期货485.diversification 分散投资486.dividends 红利487.document of title 物权单据488.documentary collection 跟单托收489.Documents against Acceptance,D/A 承兑交单490.Documents against Payment,D/P 付款交单491.domestic correspondent 国内通汇银行492.domestic deposit 国内存款493.domestic exchange 国内汇兑494.double leasing 双重租赁495.double mortgage 双重抵押496.double option 双向期权497.Dow Jones average 道·琼斯平均数498.down payment 首期499.downgrade 降级500.downside 下降趋势501.downtick 跌点交易502.Dragon card 龙卡503.draw 提款504.draw cheque 签发票据505.drawee bank 付款银行506.drawing account 提款帐户507.dual exchange market 双重外汇市场508.dual trading 双重交易509.due from other funds 应收其他基金款510.due to other funds 应付其他基金款511.dumping 抛售512.early warning system 预警系统513.easy credit 放松信贷514.economic exposure 经济风险515.efficient portfolio 有效证券组合516.electronic accounting machine 电子记帐机517.electronic cash 电子现金518.electronic cash register 电子收款机519.electronic debts 电子借贷520.electronic funds transfer 电子资金转帐521.electronic transfer 电子转帐522.emergency tariff 非常关税523.encumbrance 债权（在不动产上设定的债权）524.endorsement for collection 托收背书525.engage in arbitrage (to) 套汇526.entity n. 单位，整体，个体527.entrance fee 申请费528.equalization fund （外汇）平衡基金529.equipment leasing services 设备租赁业务530.equity portfolio 股票资产531.establishing bank 开证银行532.ethics risks 道德风险533.Euro-bank 欧洲银行534.Eurocard 欧洲系统卡535.European terms 欧洲标价法536.evaluation of property 房产估价537.evasion of foreign currency 逃汇538.exception clause 免责条款539.excess insurance 超额保险540.exchange adjustment 汇率调整541.exchange alteration 更改汇率542.exchange arbitrage 外汇套利543.exchange bank 外汇银行544.exchange broker 外汇经纪人545.exchange brokerage 外汇经纪人佣金546.exchange business 外汇业务547.exchange clearing agreement 外汇结算协定548.exchange clearing system 汇结算制549.exchange competition 外汇竞争550.exchange contract 外汇成交单551.exchange control 外汇管制552.exchange convertibility 外汇兑换553.exchange customs 交易所惯例554.exchange depreciation 外汇下降555.exchange dumping 汇率倾销556.exchange fluctuations 汇价变动557.exchange for forward delivery 远期外汇业务558.exchange for spot delivery 即期外汇业务559.exchange freedom 外汇自由兑换560.exchange loss 汇率损失561.exchange parity 外汇平价562.exchange position 外汇头寸563.exchange position 外汇头寸；外汇动态564.exchange premium 外汇升水565.exchange profit 外汇利润566.exchange proviso clause 外汇保值条款567.exchange quota system 外汇配额制568.exchange rate 汇价569.exchange rate fluctuations 外汇汇价的波动570.exchange rate parity 外汇兑换的固定汇率571.exchange rate risks 外汇汇率风险572.exchange reserves 外汇储备573.exchange restrictions 外汇限制574.exchange risk 外汇风险575.exchange risk 兑换风险576.exchange settlement 结汇577.exchange speculation 外汇投机578.exchange stability 汇率稳定579.exchange surrender certificate 外汇移转证580.exchange transactions 外汇交易581.exchange value 外汇价值582.exchange war 外汇战583.excise 货物税，消费税584.exercise date 执行日585.exercise price, striking price 履约价格，认购价格586.expenditure tax 支出税587.expenditure tax regime 支出税税制588.expenses incurred in the purchase 购买物业开支589.expiration date 到期日590.export and import bank 进出口银行591.export gold point 黄金输出点592.exposure 风险593.external account 对外帐户594.extraneous risks 附加险595.extrinsic value 外在价值596.face value 面值597.facultative insurance 临时保险598.fair and reasonable 公平合理599.far future risks 长远期风险600.farm subsidies 农产品补贴601.farmland occupancy tax 耕地占用税602.favourable exchange 顺汇603.fax base 税基604.feast tax 筵席税605.feathered assets 掺水资产606.fee 不动产607.fee interest 不动产产权608.fictions payee 虚构抬头人609.fictitious assets 虚拟资产610.fictitious capital 虚拟资本611.fiduciary a. 信托的，信用的，受信托的（人）612.fiduciary field 信用领域，信托领域613.finance broker 金融经纪人614.financial advising services 金融咨询服务615.financial arrangement 筹资安排616.financial crisis 金融危机617.financial forward contract 金融远期合约618.financial futures 金融期货619.financial futures contract 金融期货合约620.financial insolvency 无力支付621.financial institutions' deposit 同业存款622.financial lease 金融租赁623.financial risk 金融风险624.financial statement analysis 财务报表分析625.financial system 金融体系626.financial transaction 金融业务627.financial unrest 金融动荡628.financial world 金融界629.first mortgage 第一抵押权630.fiscal and monetary policy 财政金融政策631.fixed assets 固定资产632.fixed assets ratio 固定资产比率633.fixed assets turnover ratio 固定资产周转率634.fixed capital 固定资本635.fixed costs 固定成本636.fixed deposit (=time deposit) 定期存款637.fixed deposit by installment 零存整取638.fixed exchange rate 固定汇率639.fixed par of exchange 法定汇兑平价640.fixed savings withdrawal 定期储蓄提款641.fixed-rate leases 固定利率租赁642.flexibility and mobility 灵活性与机动性643.flexibility of exchange rates 汇率伸缩性644.flexible exchange rate 浮动汇率645.floating exchange rate 浮动汇率646.floating policy 流动保险单647.floating-rate leases 浮动利率租赁648.floor 带利率下限的期权649.floor broker 场内经纪人650.fluctuations in prices 汇率波动651.foregift 权利金652.foreign banks 外国银行653.foreign correspondent 国外代理银行654.foreign currency futures 外汇期货655.foreign enterprises income tax 外国企业所得税656.foreign exchange certificate 外汇兑换券657.foreign exchange crisis 外汇危机658.foreign exchange cushion 外汇缓冲659.foreign exchange dumping 外汇倾销660.foreign exchange earnings 外汇收入661.foreign exchange liabilities 外汇负债662.foreign exchange loans 外汇贷款663.foreign exchange parity 外汇平价664.foreign exchange quotations 外汇行情665.foreign exchange regulations 外汇条例666.foreign exchange reserves 外汇储备667.foreign exchange restrictions 外汇限制668.foreign exchange retaining system 外汇留存制669.foreign exchange risk 外汇风险670.foreign exchange services 外汇业务671.foreign exchange transaction centre 外汇交易中心672.forward exchange 期货外汇673.forward exchange intervention 期货外汇干预674.forward exchange sold 卖出期货外汇675.forward foreign exchange 远期外汇汇率676.forward operation 远期（经营）业务677.forward swap 远期掉期678.fraternal insurance 互助保险679.free depreciation 自由折旧680.free foreign exchange 自由外汇681.freight tax 运费税682.fringe bank 边缘银行683.full insurance 定额保险684.full payout leases 充分偿付租赁685.full progressive income tax 全额累进所得税686.fund 资金、基金687.fund account 基金帐户688.fund allocation 基金分配689.fund appropriation 基金拨款690.fund balance 基金结存款691.fund demand 资金需求692.fund for relief 救济基金693.fund for special use 专用基金694.fund in trust 信托基金695.fund liability 基金负债696.fund obligation 基金负担697.fund raising 基金筹措698.fundamental insurance 基本险699.funds statement 资金表700.futures commission merchants 期货经纪公司701.futures contract 期货合约702.futures delivery 期货交割703.futures margin 期货保证金704.futures market 期货市场705.futures price 期货价格706.futures transaction 期货交易707.FX futures contract 外汇期货合约708.galloping inflation 恶性通货膨胀709.gap 跳空710.general endorsement 不记名背书711.general fund 普通基金712.general mortgage 一般抵押713.Giro bank 汇划银行714.given rate 已知汇率715.go long 买进，多头716.go short 短缺；卖空，空头717.going away 分批买进718.going rate 现行汇率719.Gold Ear Credit Card 金穗卡ernment revenue 政府收入721.graduated reserve requirement 分级法定准备金722.Great Wall card 长城卡723.gross cash flow 现金总流量724.guarantee of payment 付款保证725.guaranteed fund 保证准备金726.hammering the market 打压市场727.handling charge 手续费728.harmony of fiscal and monetary policies 财政政策和金融政策的协调729.hedge 套头交易730.hedge against inflation 为防通货膨胀而套购731.hedge buying 买进保值期货732.hedge fund 套利基金733.hedging mechanism 规避机制734.hedging risk 套期保值风险735.hire purchase 租购736.hit the bid 拍板成交737.hoarded money 储存的货币738.holding the market 托盘739.horizontal price movement 横盘740.hot issue 抢手证券741.hot money deposits 游资存款742.hot stock 抢手股票743.house property tax 房产税744.hypothecation 抵押745.idle capital 闲置资本746.idle cash (money) 闲散现金，游资747.idle demand deposits 闲置的活期存款748.immobilized capital 固定化的资产749.immovable property 不动产750.import regulation tax 进口调节税751.imposition 征税；税；税款752.imprest bank account 定额银行存款专户753.in force （法律上）有效的754.in the tank 跳水755.inactive market 不活跃市场756.income in kind 实物所得757.income tax liabilities 所得税责任，所得税债务758.income taxes 所得税759.indemnity 赔偿，补偿760.indirect arbitrage 间接套汇761.indirect finance 间接金融762.indirect hedging 间接套做763.indirect leases 间接租赁（即：杠杆租赁）764.indirect rate 间接汇率765.indirect taxation 间接税766.individual income regulation tax 个人调节税767.individual income tax 个人所得税768.individual savings 私人储蓄769.Industrial and Commercial Bank of China 中国工商银行770.industrial financing 工业融资771.industrial-commercial consolidated tax 工商统一税772.industrial-commercial income tax 工商所得税773.industrial-commercial tax 工商税774.inflation 通货膨胀775.inflation rate 通货膨胀率776.inflationary spiral 螺旋式上升的通货膨胀777.inflationary trends 通货膨胀趋势778.infrastructure bank 基本建设投资银行779.initial margin 初始保证金780.initial margin 期初保证权781.initial margins 初始保证金782.initial reserve 初期准备金783.insider 内幕人784.installment savings 零存整取储蓄785.institution 机构投资者786.insurance appraiser 保险损失评价人787.insurance broker 保险经纪人788.insurance contract 保险契约，保险合同789.insurance saleman 保险外勤790.insurance services 保险业务791.insure against fire 保火险792.insured 被保险人793.interbank market 银行同业市场794.inter-business credit 同行放帐795.interest on deposit 存款利息796.interest per annum 年息797.interest per month 月息798.interest rate futures contract 利率期货合约799.interest rate policy 利率政策800.interest rate position 利率头寸801.interest rate risk 利率风险802.interest restriction 利息限制803.interest subsidy 利息补贴804.interest-rate risk 利息率风险805.interim finance 中间金融806.intermediary bank 中间银行807.intermediate account 中间帐户808.internal reserves 内部准备金809.international banking services 国际银行业务810.International Investment Bank (IIB) 国际投资银行811.international leasing 国际租赁812.in-the-money 有内在价值的期权813.intraday 日内814.intrinsic utility 内在效用815.intrinsic value 实际价值，内部价值816.inward documentary bill for collection 进口跟单汇票，进口押汇（汇票）817.isolation of risk 风险隔离818.issue bank 发行银行819.JCB card JCB卡820.joint financing 共同贷款821.key risk 关键风险822.kill a bet 终止赌博nd use tax 土地使用税rge deposit 大额存款rge leases 大型租赁tent inflation 潜在的通货膨胀tent inflation 潜在的通货膨胀828.lease agreement 租约829.lease and release 租借和停租830.lease broker 租赁经纪人831.lease financing 租赁筹租832.lease immovable 租借的不动产833.lease in perpetuity 永租权834.lease insurance 租赁保险835.lease interest insurance 租赁权益保险836.lease land 租赁土地837.lease mortgage 租借抵押838.lease out 租出839.lease property 租赁财产840.lease purchase 租借购买841.lease rental 租赁费842.lease territory 租借地843.leaseback 回租844.leasebroker 租赁经纪人845.leased immovable 租借的不动产846.leasehold 租赁土地847.leasehold 租借期，租赁营业，租赁权848.leasehold property 租赁财产849.leaseholder 租赁人850.leaseholder 承租人，租借人851.leases agent 租赁代理852.leases arrangement 租赁安排853.leases company 租赁公司854.leases structure 租赁结构855.leasing 出租856.leasing agreement 租赁协议857.leasing amount 租赁金额858.leasing asset 出租财产，租赁财产859.leasing clauses 租赁条款860.leasing consultant 租赁顾问861.leasing contract 租赁合同862.leasing cost 租赁成本863.leasing country 承租国864.leasing division 租赁部865.leasing equipment 租赁设备866.leasing industry 租赁业867.leasing industry (trade) 租赁业868.leasing money 租赁资金869.leasing period 租赁期870.leasing regulations 租赁条例871.legal interest 法定利息872.legal tender 法定货币873.legal tender 本位货币，法定货币874.lessee 承租人，租户875.lessor 出租人876.letter of confirmation 确认书877.letter transfer 信汇878.leveraged leases 杠杆租赁879.lien 扣押权，抵押权880.life insurance 人寿保险881.life of assets 资产寿命882.limit order 限价指令883.limited floating rate 有限浮动汇率884.line of business 行业，营业范围，经营种类885.liquidation 清仓886.liquidity 流动性887.liquidity of bank 银行资产流动性888.listed stock 上市股票889.livestock transaction tax 牲畜交易税890.loan account 贷款帐户891.loan amount 贷款额892.loan at call 拆放893.loan bank 放款银行894.loan volume 贷款额895.loan-deposit ratio 存放款比率896.loans to financial institutions 金融机构贷款897.loans to government 政府贷款898.local bank 地方银行899.local income tax (local surtax) 地方所得税900.local surtax 地方附加税901.local tax 地方税902.long arbitrage 多头套利903.long position 多头头寸904.long position 多头寸；买进的期货合同905.long-term certificate of deposit 长期存款单906.long-term credit bank 长期信用银行907.long-term finance 长期资金融通908.loss leader 特价商品，亏损大项909.loss of profits insurance 收益损失保险910.loss on exchange 汇兑损失911.low-currency dumping 低汇倾销912.low-currency dumping 低汇倾销913.M/T (= Mail Transfer) 信汇914.main bank 主要银行915.maintenance margin 最低保证金，维持保证金916.major market index 主要市场指数917.management risk 管理风险918.managing bank of a syndicate 财团的经理银行919.manipulation 操纵920.margin 保证金921.margin call 保证金通知922.margin call 追加保证金的通知923.margin money 预收保证金，开设信用证保证金924.margin rate 保证金率925.markdown 跌价926.market discount rate 市场贴现率927.market expectations 市场预期928.market makers 造市者929.market order 市价订单930.market risk 市场风险931.marketability 流动性932.market-clearing 市场结算933.Master card 万事达卡934.matching 搭配935.mature liquid contracts 到期合约936.maximum limit of overdraft 透支额度937.measures for monetary ease 金融缓和措施938.medium rate 中间汇率939.medium-term finance 中期金融940.member bank 会员银行lion card 百万卡942.minimum cash requirements 最低现金持有量（需求）943.minimum reserve ratio 法定最低准备比率944.mint parity 法定平价945.monetary action 金融措施946.monetary aggregates 货币流通额947.monetary and credit control 货币信用管理948.monetary and financial crisis 货币金融危机949.monetary area 货币区950.monetary assets 货币性资产951.monetary base 货币基础952.monetary circulation 货币流通953.monetary device 金融调节手段954.monetary ease 银根松动955.monetary market 金融市场956.monetary market 金融市场957.monetary risk 货币风险958.monetary stringency 银根奇紧959.monetary unit 货币单位960.money capital 货币资本961.money collector 收款人962.money credit 货币信用963.money down 付现款964.money equivalent 货币等价965.money paid on account 定金966.money-flow analysis 货币流量分析。

汇丰银行贷款词汇A摊还 (Amortisation)定期支付未偿还债务的本金和利息，有别于只付利息的还款。

摊还期限 (Amortisation period)清还贷款所需的时间，以楼宇按揭贷款为例，一般最长可摊分 25 年。

年利率 (Annual Percentage Rate (APR))是衡量借款成本的尺度，把贷款利息及其它所有费用相加，以年率表示。

资产 (Assets)您所拥有的物业、现金、股票等有价值的财产。

C资本增值 (Capital gain)出售资产所得收入，减除成本后所得的利润。

D首期 (Down payment)购买物业，分期付款开始之前需要先付出的现款。

支取 (Drawdown)获得银行贷款的最后步骤，通常是由银行把贷款直接存入您的账户。

E资产净值 (Equity)资产变现可获金额，扣除以该资产作抵押的负债所得的净额。

F定息贷款 (Fixed rate loan)有固定还款期和固定利率的贷款，这种贷款的利率不受市场利率波动的影响。

G担保人 (Guarantor)担保贷款人一定能全数偿还贷款的人士，通常是贷款人的亲友。

I利息 (Interest)放款人借出款项而收取的费用。

L负债 (Liabilities)任何未偿还的债务。

还款能力 (Loan repayment capacity)以每月还款额，附以您的总收入，以百分比显示的比率。

贷款与估值比率 (Loan to valuation ratio)将贷款额除以银行对您拥有的资产的估值所得出的百分比。

P本金 (Principal)贷款额或尚未偿还的欠款。

S抵押品 (Security)为保证偿还贷款而抵押给银行的资产。

T年期 (Term/Tenure)贷款的还款期限。

U可供自由运用的每月收入 (Uncommitted monthly income)您每月的总收入在扣除每月还款及其它开销后，尚余可供运用的现金。

金融专业英语词汇大全一、基本金融术语1. 金融（Finance）：指货币的筹集、分配和管理活动。

2. 银行（Bank）：提供存款、贷款、支付结算等金融服务的机构。

3. 证券（Securities）：代表财产所有权或债权的凭证，如股票、债券等。

4. 投资（Investment）：将资金投入到某个项目或资产，以获取收益的行为。

5. 债务（Debt）：借款人向债权人承诺在一定期限内偿还本息的义务。

6. 股票（Stock）：股份有限公司发行的，代表股东对公司所有权和收益分配权的凭证。

7. 债券（Bond）：债务人向债权人发行的，承诺按一定利率支付利息并在到期日偿还本金的债务凭证。

8. 利率（Interest Rate）：资金的价格，反映资金借贷的成本。

9. 汇率（Exchange Rate）：一种货币兑换另一种货币的比率。

10. 通货膨胀（Inflation）：货币购买力下降，物价普遍持续上涨的现象。

二、金融衍生品词汇1. 金融衍生品（Financial Derivatives）：基于现货金融工具派生出来的新型金融工具。

2. 期货（Futures）：双方约定在未来某一时间、按约定的价格买卖某种标的物的合约。

3. 期权（Options）：买卖双方在未来一定期限内，按约定价格买入或卖出某种标的物的权利。

4. 掉期（Swap）：双方约定在未来某一时间，相互交换一系列现金流的合约。

5. 远期合约（Forward Contract）：双方约定在未来某一时间、按约定的价格买卖某种标的物的合约。

三、金融机构及监管部门词汇1. 中央银行（Central Bank）：国家金融政策制定和执行的机构，如中国人民银行。

2. 商业银行（Commercial Bank）：以盈利为目的，提供存款、贷款、支付结算等金融服务的银行。

3. 证券公司（Securities Company）：从事证券经纪、投资咨询、资产管理等业务的金融机构。

（金融保险）金融银行词汇English Terms中文翻译详情解释/例子Accelerated Depreciation 加快折旧任何基于会计或税务原因促使一项资产在较早期以较大金额折旧的折旧原则Accident and Health Benefits 意外与健康福利为员工提供有关疾病、意外受伤或意外死亡的福利。

这些福利包括支付医院及医疗开支以及有关时期的收入。

Accounts Receivable (AR) 应收账款客户应付的金额。

拥有应收账款指公司已经出售产品或服务但仍未收取款项Accretive Acquisition 具增值作用的收购项目能提高进行收购公司每股盈利的收购项目Acid Test 酸性测试比率一项严谨的测试，用以衡量一家公司是否拥有足够的短期资产，在无需出售库存的情况下解决其短期负债。

计算方法：(现金+ 应收账款+短期投资)‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾流动负债Act of God Bond 天灾债券保险公司发行的债券，旨在将债券的本金及利息与天然灾害造成的公司损失联系起来Active Bond Crowd 活跃债券投资者在纽约股票交易所内买卖活跃的定息证券Active Income 活动收入来自提供服务所得的收入，包括工资、薪酬、奖金、佣金，以及来自实际参与业务的收入Active Investing 积极投资包含持续买卖行为的投资策略。

主动投资者买入投资，并密切注意其走势，以期把握盈利机会Active Management 积极管理寻求投资回报高于既定基准的投资策略Activity Based Budgeting 以活动为基础的预算案一种制定预算的方法，过程为列举机构内每个部门所有牵涉成本的活动，并确立各种活动之间的关系，然后根据此资料决定对各项活动投入的资源Activity Based Management 以活动为基础的管理利用以活动为基础的成本计算制度改善一家公司的运营Activity Ratio 活动比率一项用以衡量一家公司将其资产负债表内账项转为现金或营业额的能力的会计比率Actual Return 实际回报一名投资者的实际收益或损失，可用以下公式表示：预期回报加上公司特殊消息及总体经济消息Actuary 精算保险公司的专业人员，负责评估申请人及其医疗纪录，以预测申请人的寿命Acquisition 收购一家公司收购另一家公司的多数股权Acquisition Premium 收购溢价收购一家公司的实际成本与该公司收购前估值之间的差额Affiliated Companies 联营公司一家公司拥有另一家公司少数权益（低于50%）的情况，或指两家公司之间存在某些关联Affiliated Person 关联人士能影响一家企业活动的人士，包括董事、行政人员及股东等After Hours Trading 收盘后交易主要大型交易所正常交易时间以外进行的买卖交易After Tax Operating Income - ATOI 税后营运收入一家公司除税后的总营运收入。

2020国考银保监会英语高频金融词汇（一）1.acceptance bank 票据承兑行2.acceptance method 承兑方式3.accepting bank 承兑银行4.accommodation of funds 资金融通5.account charges 账户费用6.account current (A/C, a/c) 往来账户7.account number (A/N) 账号8.account statement 账户清单9.accounting risks 会计风险10.accounting value 账面价值11.accounts of assured 保险账户12.accrued bond interest 应计债券利息13.actual rate 实际汇率14.advice of drawing 提款通知书15.advising bank 通知银行16.affiliated bank 联行17.aftermarket 次级市场18.agent for collection 托收代理银行19.arbitrage 套购，套利20.baby bond 小额债券21.balance 结余，差额，平衡22.bank balance 存款余额23.bank deposit 银行存款24.banker's guarantee 银行担保25.bank's buying rate 银行买入价26.bank's selling rate 银行卖出价27.base rate 基本汇价28.basis order 基差订单29.basis risk 基差风险30.beneficial owner 受益所有人31.bid and ask prices 买入和卖出价32.bid price = buying price 买价33.capital assets 资本资产34.capital market 信贷市场、资本市场35.capital surplus 资本盈余36.cash assets 现金资产37.cash bonus 现金红利38.cash book 现金簿;现金账39.cash currency 现金通货40.cash day 付款日。

（金融保险）常见银行英语词汇(各种银行术语和句子全面介绍)常见银行英语词汇accountnumber帐号depositor存户pay-inslip存款单adepositform存款单abandingmachine自动存取机todeposit存款depositreceipt存款收据privatedeposits私人存款certificateofdeposit存单depositbook,passbook存折creditcard信用卡principal本金overdraft,overdraw透支tocountersign双签toendorse背书endorser背书人tocash兑现tohonoracheque兑付todishonoracheque拒付tosuspendpayment止付cheque,check支票chequebook支票本ordercheque记名支票bearercheque不记名支票crossedcheque横线支票blankcheque空白支票rubbercheque空头支票chequestub,counterfoil票根cashcheque现金支票traveler'scheque旅行支票chequefortransfer转帐支票outstandingcheque未付支票canceledcheque已付支票forgedcheque伪支票Bandar'snote庄票，银票banker银行家president行长savingsbank储蓄银行ChaseBank大通银行Citibank花旗银行HongkongShanghaiBankingCorporation汇丰银行CharteredBankofIndia,AustraliaandChina麦加利银行BanquedeI'IndoChine东方汇理银行centralbank,nationalbank,banker'sbank中央银行bankofissue,bankofcirculation发行币银行commercialbank商业银行，储蓄信贷银行memberbank,creditbank储蓄信贷银行discountbank贴现银行exchangebank汇兑银行requestingbank委托开证银行issuingbank,openingbank 开证银行advisingbank,notifying bank通知银行negotiationbank议付银行confirmingbank保兑银行payingbank付款银行associatebankerof collection代收银行consignedbankerof collection委托银行clearingbank清算银行localbank本地银行domesticbank国内银行overseasbank国外银行unincorporatedbank钱庄branchbank银行分行trusteesavingsbank信托储蓄银行trustcompany信托X公司financialtrust金融信托X公司unittrust信托投资X公司trustinstitution银行的信托部creditdepartment银行的信用部Commercialcreditcompany(discountcompany)商业信贷X公司（贴现X公司）neighborhoodsavingsbank,bankofdeposit街道储蓄所creditunion合作银行creditbureau商业兴信所self-servicebank无人银行landbank土地银行constructionbank建设银行industrialandcommercialbank工商银行bankofcommunications交通银行mutualsavingsbank互助储蓄银行postofficesavingsbank邮局储蓄银行mortgagebank,buildingsociety抵押银行industrialbank实业银行homeloanbank家宅贷款银行reservebank准备银行charteredbank特许银行correspondingbank往来银行merchantbank,acceptingbank承兑银行investmentbank投资银行importandexportbank(EXIMBANK)进出口银行jointventurebank合资银行moneyshop,nativebank 钱庄 creditcooperatives 信用社 clearinghouse 票据交换所 publicaccounting 公共会计businessaccounting 商业会计 costaccounting 成本会计depreciationaccounting 折旧会计computerizedaccounting 电脑化会计 generalledger 总帐 subsidiaryledger 分户帐 cashbook 现金出纳帐 cashaccount 现金帐journal,day-book 日记帐，流水帐baddebts 坏帐 investment 投资 surplus 结余 idlecapital 游资economiccycle 经济周期 economicboom 经济繁荣economicrecession 经济衰退economicdepression 经济萧条economiccrisis 经济危机 economicrecovery 经济复苏 inflation 通货膨胀 deflation 通货收缩 devaluation 货币贬值 revaluation 货币增值 internationalbalanceof payment 国际收支 favourablebalance 顺差 adversebalance 逆差hardcurrency 硬通货 softcurrency 软通货 internationalmonetarysyst em国际货币制度 thepurchasingpower ofmoney 货币购买力 moneyincirculation货币流通量noteissue 纸币发行量 nationalbudget 国家预算nationalgrossproduct国民生产总值publicbond 公债 stock,share 股票 debenture 债券 treasurybill 国库券 debtchain 债务链 directexchange 直接（对角套汇indirectexchange 间接三角套汇crossrate,arbitragerate 套汇汇率 foreigncurrency (exchange)reserve 外汇储备foreignexchangefluctua tion外汇波动foreignexchangecrisis外汇危机discount贴现discountrate,bankrate贴现率goldreserve黄金储备money(financial)market金融市场stockexchange股票交易所broker经纪人commission佣金bookkeeping簿记bookkeeper簿记员anapplicationform申请单bankstatement对帐单letterofcredit信用证strongroom,vault保险库equitabletaxsystem等价税则specimensignature签字式样bankinghours,business hours营业时间银行英语口语－新开帐户Whatkindofaccountdidyouhaveinyourmind?你想开哪种帐户?Doyouliketoopenacurrentaccount?你想开壹个活期存款帐户吗? Adepositorcurrentaccount?定期仍是活期?Pleasetellmehowyouwouldl iketodeposityourmoney.请告诉我你想存何种户头?There'saservicechargefor thecheckingaccountbut nochargeforthesavings.支票户头要收服务费，现金户头不收。

2020金融英语词汇常用词汇表1.D/D(Banker’sDemandDraft)票汇2.decision-makingunderrisk风险下的决策3.dailylimit每日涨(跌)停板4.dateofdelivery交割期5.dealers批发商6.deathandgifttax遗产和赠与税7.debtofhonour信用借款8.debtorbank借方银行9.dailyinterest日息10.deed契约11.deedtax契税12.deflation通货紧缩13.deficitcovering弥补赤字14.deficit-coveringfinance赤字财政15.deferredsavings定期存款16.deliverydate交割日17.demandpullinflation需求拉动通货膨胀18.demand-depositorchecking-accounts活期存款或支票帐户19.depositaccount(D/A)存款帐户21.depositbank存款银行22.depositmoney存款货币23.depositrate存款利率24.depositturnover存款周转率25.depreciationrisks贬值风险26.derivativedeposit派生存款27.deriveddeposit派生存款28.designatedcurrency指定货币29.deutschemarks(=DM)西德马克30.devaluationofdollar美元贬值31.directexchange直接汇兑32.DevelopmentBank开发银行34.devise遗赠35.dieintestate死时没有遗嘱36.Dinerscard大莱信用卡37.developer发展商38.directfinancing直接融资39.directhedging直接套做40.directleases直接租赁41.directtaxation直接税42.discountcredit贴现融资43.discountmarket贴现市场44.discountonbills票据贴现45.discountpaid已付贴现额46.discountedcashflow净现金量47.discountingbank贴现银行48.dishonourrisks拒付风险49.disintermediation脱媒51.diversification分散投资52.dividends红利53.documentoftitle物权单据54.doublemortgage双重抵押55.DocumentsagainstAcceptance,D/A承兑交单56.DocumentsagainstPayment,D/P付款交单57.domesticcorrespondent国内通汇银行59.domesticexchange国内汇兑60.doubleleasing双重租赁61.documentarycollection跟单托收62.doubleoption双向期权63.DowJonesaverage道·琼斯平均数64.downpayment首期65.downgrade降级66.downside下降趋势67.downtick跌点交易68.Dragoncard龙卡69.draw提款70.drawcheque签发票据71.draweebank付款银行72.drawingaccount提款帐户74.dualtrading双重交易75.duefromotherfunds应收其他基金款76.electroniccash电子现金77.dumping抛售1.earlywarningsystem预警系统2.easycredit放松信贷3.economicexposure经济风险4.efficientportfolio有效证券组合5.electronicaccountingmachine电子记帐机6.duetootherfunds应付其他基金款7.electroniccashregister电子收款机8.electronicdebts电子借贷9.electronicfundstransfer电子资金转帐10.electronictransfer电子转帐11.emergencytariff非常关税12.encumbrance债权(在不动产上设定的债权)13.endorsementforcollection托收背书14.engageinarbitrage(to)套汇15.entityn.单位，整体，个体16.entrancefee申请费17.equalizationfund(外汇)平衡基金20.establishingbank开证银行21.ethicsrisks道德风险22.Euro-bank欧洲银行23.Eurocard欧洲系统卡24.Europeanterms欧洲标价法25.evaluationofproperty房产估价26.evasionofforeigncurrency逃汇27.exceptionclause免责条款29.exchangeadjustment汇率调整30.exchangealteration更改汇率31.exchangearbitrage外汇套利32.exchangebank外汇银行33.exchangebroker外汇经纪人34.exchangebrokerage外汇经纪人佣金35.exchangebusiness外汇业务36.exchangeclearingagreement外汇结算协定37.exchangeclearingsystem汇结算制38.exchangecompetition外汇竞争39.exchangecontract外汇成交单40.exchangecontrol外汇管制41.exchangeconvertibility外汇兑换42.exchangecustoms交易所惯例44.exchangedumping汇率倾销45.exchangefluctuations汇价变动46.exchangeforforwarddelivery远期外汇业务47.exchangeforspotdelivery即期外汇业务48.exchangefreedom外汇自由兑换49.exchangeloss汇率损失50.exchangeparity外汇平价51.exchangeposition外汇头寸52.exchangeposition外汇头寸;外汇动态53.exchangepremium外汇升水54.exchangeprofit外汇利润55.exchangeprovisoclause外汇保值条款56.exchangerisk外汇风险57.exchangerate汇价58.exchangeratefluctuations外汇汇价的波动59.exchangerateparity外汇兑换的固定汇率60.exchangeraterisks外汇汇率风险61.exchangereserves外汇储备62.exchangerestrictions外汇限制63.exchangequotasystem外汇配额制64.exchangerisk兑换风险65.exchangesettlement结汇67.exchangestability汇率稳定68.exchangesurrendercertificate外汇移转证69.exchangetransactions外汇交易70.exchangevalue外汇价值71.exchangewar外汇战72.excise货物税，消费税73.exercisedate执行日74.exerciseprice,strikingprice履约价格，认购价格75.exportandimportbank进出口银行76.expendituretaxregime支出税税制77.expensesincurredinthepurchase购买物业开支78.expirationdate到期日79.expendituretax支出税80.exportgoldpoint黄金输出点81.exposure风险82.externalaccount对外帐户83.extraneousrisks附加险84.extrinsicvalue外在价值看了“2017金融英语词汇”的人还看了：。

2020国考银保监会英语高频金融词汇（二）1.cash department 出纳部2.cash deposit as collatera 证金，押金3.cash in advance (c.i.a.) 付现金4.cash in bank 存银行现金，银行存款5.cash in transit 在途现金，在运现金6.cash on arrival 货到付现，货到付款7.cash on delivery (COD) 交割付款8.cash payment 现金付款，现付9.cash purchase 现购，现金购买10.cash verification 现金核实，现金核查11.cashier 出纳员，收支员12.cashier's cheque (C.C.) 银行本票13.central rate 中心汇率14.certificate of balance 存款凭单15.change hands 交换，换手16.chattel mortgage 动产抵押17.checking account 支票账户18.checking deposits 支票存款19.cheque book 支票簿20.cheque collection 支票兑取21.cheque crossed 划线支票22.cheque drawer 支票出票人23.cheque holder 支票执票人24.circulation risks 流通风险25.clearing bank 清算银行26.collateral loan 抵押借款27.collecting bank 代收行28.collection items 托收项目mercial deposi 商业存款30.credit capital 信贷资本31.credit expansion 信用扩张32.D/D (Banker's Demand Draft) 票汇33.daily interest 日息34.debtor bank 借方银行35.deed tax 契税36.deferred savings 定期存款37.deficit-covering finance 赤字财政38.deflation 通货紧缩39.deposit account (D/A) 存款账户40.deposit at call 通知存款。

一、资产类 Assets流动资产 Current assets货币资金 Cash and cash equivalents1001现金 Cash1002 银行存款 Cash in bank1009 其他货币资金 Other cash and cash equivalents'100901 外埠存款 Other city Cash in bank'100902 银行本票 Cashier's cheque'100903 银行汇票 Bank draft'100904 信用卡 Credit card'100905 信用证保证金 L/C Guarantee deposits'100906 存出投资款 Refundable deposits1101 短期投资 Short-term investments'110101 股票 Short-term investments - stock'110102 债券 Short-term investments - corporate bonds'110103 基金 Short-term investments - corporate funds'110110 其他 Short-term investments - other1102 短期投资跌价准备 Short-term investments falling price reserves应收款 Account receivable1111 应收票据 Note receivable银行承兑汇票 Bank acceptance商业承兑汇票 Trade acceptance1121 应收股利 Dividend receivable1122 应收利息 Interest receivable1131 应收账款 Account receivable1133 其他应收款 Other notes receivable1141 坏账准备 Bad debt reserves1151 预付账款 Advance money1161 应收补贴款 Cover deficit by state subsidies of receivable库存资产 Inventories1201 物资采购 Supplies purchasing1211 原材料 Raw materials1221 包装物 Wrappage1231 低值易耗品 Low-value consumption goods1232 材料成本差异 Materials cost variance1241 自制半成品 Semi-Finished goods1243 库存商品 Finished goods1244 商品进销差价 Differences between purchasing and selling price 1251 委托加工物资 Work in process - outsourced1261 委托代销商品 Trust to and sell the goods on a commission basis 1271 受托代销商品 Commissioned and sell the goods on a commission basis 1281 存货跌价准备 Inventory falling price reserves1291 分期收款发出商品 Collect money and send out the goods by stages 1301 待摊费用 Deferred and prepaid expenses长期投资 Long-term investment1401 长期股权投资 Long-term investment on stocks'140101 股票投资 Investment on stocks'140102 其他股权投资 Other investment on stocks1402 长期债权投资 Long-term investment on bonds'140201 债券投资 Investment on bonds'140202 其他债权投资 Other investment on bonds1421 长期投资减值准备 Long-term investments depreciation reserves股权投资减值准备 Stock rights investment depreciation reserves债权投资减值准备 Bcreditor's rights investment depreciation reserves1431 委托贷款 Entrust loans'143101 本金 Principal'143102 利息 Interest'143103 减值准备 Depreciation reserves1501 固定资产 Fixed assets房屋 Building建筑物 Structure机器设备 Machinery equipment运输设备 Transportation facilities工具器具 Instruments and implement1502 累计折旧 Accumulated depreciation1505 固定资产减值准备 Fixed assets depreciation reserves房屋、建筑物减值准备 Building/structure depreciation reserves机器设备减值准备 Machinery equipment depreciation reserves1601 工程物资 Project goods and material'160101 专用材料 Special-purpose material'160102 专用设备 Special-purpose equipment'160103 预付大型设备款 Prepayments for equipment'160104 为生产准备的工具及器具 Preparative instruments and implement for fabricate 1603 在建工程 Construction-in-process安装工程 Erection works在安装设备 Erecting equipment-in-process技术改造工程 Technical innovation project大修理工程 General overhaul project1605 在建工程减值准备 Construction-in-process depreciation reserves1701 固定资产清理 Liquidation of fixed assets1801 无形资产 Intangible assets专利权 Patents非专利技术 Non-Patents商标权 Trademarks, Trade names著作权 Copyrights土地使用权 Tenure商誉 Goodwill1805 无形资产减值准备 Intangible Assets depreciation reserves专利权减值准备 Patent rights depreciation reserves商标权减值准备 trademark rights depreciation reserves1815 未确认融资费用 Unacknowledged financial charges待处理财产损溢 Wait deal assets loss or income1901 长期待摊费用 Long-term deferred and prepaid expenses1911 待处理财产损溢 Wait deal assets loss or income191101待处理流动资产损溢 Wait deal intangible assets loss or income 191102待处理固定资产损溢 Wait deal fixed assets loss or income二、负债类 Liability短期负债 Current liability2101 短期借款 Short-term borrowing2111 应付票据 Notes payable银行承兑汇票 Bank acceptance商业承兑汇票 Trade acceptance2121 应付账款 Account payable2131 预收账款 Deposit received2141 代销商品款 Proxy sale goods revenue2151 应付工资 Accrued wages2153 应付福利费 Accrued welfarism2161 应付股利 Dividends payable2171 应交税金 Tax payable'217101 应交增值税 value added tax payable'21710101 进项税额 Withholdings on VAT'21710102 已交税金 Paying tax'21710103 转出未交增值税 Unpaid VAT changeover'21710104 减免税款 Tax deduction'21710105 销项税额 Substituted money on VAT'21710106 出口退税 Tax reimbursement for export'21710107 进项税额转出 Changeover withnoldings on VAT'21710108 出口抵减内销产品应纳税额 Export deduct domestic sales goods tax '21710109 转出多交增值税 Overpaid VAT changeover'21710110 未交增值税 Unpaid VAT'217102 应交营业税 Business tax payable'217103 应交消费税 Consumption tax payable'217104 应交资源税 Resources tax payable'217105 应交所得税 Income tax payable'217106 应交土地增值税 Increment tax on land value payable'217107 应交城市维护建设税 Tax for maintaining and building cities payable '217108 应交房产税 Housing property tax payable'217109 应交土地使用税 Tenure tax payable'217110 应交车船使用税 Vehicle and vessel usage license plate tax(VVULPT) payable '217111 应交个人所得税 Personal income tax payable2176 其他应交款 Other fund in conformity with paying2181 其他应付款 Other payables2191 预提费用 Drawing expense in advance其他负债 Other liabilities2201 待转资产价值 Pending changerover assets value2211 预计负债 Anticipation liabilities长期负债 Long-term Liabilities2301 长期借款 Long-term loans一年内到期的长期借款 Long-term loans due within one year一年后到期的长期借款 Long-term loans due over one year2311 应付债券 Bonds payable'231101 债券面值 Face value, Par value'231102 债券溢价 Premium on bonds'231103 债券折价 Discount on bonds'231104 应计利息 Accrued interest2321 长期应付款 Long-term account payable应付融资租赁款 Accrued financial lease outlay一年内到期的长期应付 Long-term account payable due within one year一年后到期的长期应付 Long-term account payable over one year2331 专项应付款 Special payable一年内到期的专项应付 Long-term special payable due within one year一年后到期的专项应付 Long-term special payable over one year2341 递延税款 Deferral taxes三、所有者权益类 OWNERS' EQUITY资本 Capital3101 实收资本(或股本) Paid-up capital(or stock)实收资本 Paicl-up capital实收股本 Paid-up stock3103 已归还投资 Investment Returned公积3111 资本公积 Capital reserve'311101 资本(或股本)溢价 Cpital(or Stock) premium'311102 接受捐赠非现金资产准备 Receive non-cash donate reserve'311103 股权投资准备 Stock right investment reserves'311105 拨款转入 Allocate sums changeover in'311106 外币资本折算差额 Foreign currency capital'311107 其他资本公积 Other capital reserve3121 盈余公积 Surplus reserves'312101 法定盈余公积 Legal surplus'312102 任意盈余公积 Free surplus reserves'312103 法定公益金 Legal public welfare fund'312104 储备基金 Reserve fund'312105 企业发展基金 Enterprise expension fund'312106 利润归还投资 Profits capitalizad on return of investment利润 Profits3131 本年利润 Current year profits3141 利润分配 Profit distribution'314101 其他转入 Other chengeover in'314102 提取法定盈余公积 Withdrawal legal surplus'314103 提取法定公益金 Withdrawal legal public welfare funds'314104 提取储备基金 Withdrawal reserve fund'314105 提取企业发展基金 Withdrawal reserve for business expansion'314106 提取职工奖励及福利基金 Withdrawal staff and workers' bonus and welfare fund'314107 利润归还投资 Profits capitalizad on return of investment'314108 应付优先股股利 Preferred Stock dividends payable'314109 提取任意盈余公积 Withdrawal other common accumulation fund'314110 应付普通股股利 Common Stock dividends payable'314111 转作资本(或股本)的普通股股利 Common Stock dividends change to assets(or stock) '314115 未分配利润 Undistributed profit四、成本类 Cost4101 生产成本 Cost of manufacture'410101 基本生产成本 Base cost of manufacture'410102 辅助生产成本 Auxiliary cost of manufacture4105 制造费用 Manufacturing overhead材料费 Materials管理人员工资 Executive Salaries奖金 Wages退职金 Retirement allowance补贴 Bonus外保劳务费 Outsourcing fee福利费 Employee benefits/welfare会议费 Coferemce加班餐费 Special duties市内交通费 Business traveling通讯费 Correspondence电话费 Correspondence水电取暖费 Water and Steam税费 Taxes and dues租赁费 Rent管理费 Maintenance车辆维护费 Vehicles maintenance油料费 Vehicles maintenance培训费 Education and training接待费 Entertainment图书、印刷费 Books and printing运费 Transpotation保险费 Insurance premium支付手续费 Commission杂费 Sundry charges折旧费 Depreciation expense机物料消耗 Article of consumption劳动保护费 Labor protection fees季节性停工损失 Loss on seasonality cessation4107 劳务成本 Service costs五、损益类 Profit and loss收入 Income业务收入 OPERATING INCOME5101 主营业务收入 Prime operating revenue产品销售收入 Sales revenue服务收入 Service revenue5102 其他业务收入 Other operating revenue材料销售 Sales materials代购代售包装物出租 Wrappage lease出让资产使用权收入 Remise right of assets revenue返还所得税 Reimbursement of income tax其他收入 Other revenue5201 投资收益 Investment income短期投资收益 Current investment income长期投资收益 Long-term investment income计提的委托贷款减值准备 Withdrawal of entrust loans reserves 5203 补贴收入 Subsidize revenue国家扶持补贴收入 Subsidize revenue from country其他补贴收入 Other subsidize revenue5301 营业外收入 NON-OPERATING INCOME非货币性交易收益 Non-cash deal income现金溢余 Cash overage处置固定资产净收益 Net income on disposal of fixed assets 出售无形资产收益 Income on sales of intangible assets固定资产盘盈 Fixed assets inventory profit罚款净收入 Net amercement income支出 Outlay业务支出 Revenue charges5401 主营业务成本 Operating costs产品销售成本 Cost of goods sold服务成本 Cost of service5402 主营业务税金及附加 Tax and associate charge营业税 Sales tax消费税 Consumption tax城市维护建设税 Tax for maintaining and building cities资源税 Resources tax土地增值税 Increment tax on land value5405 其他业务支出 Other business expense销售其他材料成本 Other cost of material sale其他劳务成本 Other cost of service其他业务税金及附加费 Other tax and associate charge费用 Expenses5501 营业费用 Operating expenses代销手续费 Consignment commission charge运杂费 Transpotation保险费 Insurance premium展览费 Exhibition fees广告费 Advertising fees5502 管理费用 Adminisstrative expenses职工工资 Staff Salaries修理费 Repair charge低值易耗摊销 Article of consumption办公费 Office allowance差旅费 Travelling expense工会经费 Labour union expenditure研究与开发费 Research and development expense福利费 Employee benefits/welfare职工教育经费 Personnel education待业保险费 Unemployment insurance劳动保险费 Labour insurance医疗保险费 Medical insurance会议费 Coferemce聘请中介机构费 Intermediary organs咨询费 Consult fees诉讼费 Legal cost业务招待费 Business entertainment技术转让费 Technology transfer fees矿产资源补偿费 Mineral resources compensation fees排污费 Pollution discharge fees房产税 Housing property tax车船使用税 Vehicle and vessel usage license plate tax(VVULPT)土地使用税 Tenure tax印花税 Stamp tax5503 财务费用 Finance charge利息支出 Interest exchange汇兑损失 Foreign exchange loss各项手续费 Charge for trouble各项专门借款费用 Special-borrowing cost5601 营业外支出 Nonbusiness expenditure捐赠支出 Donation outlay减值准备金 Depreciation reserves非常损失 Extraordinary loss处理固定资产净损失 Net loss on disposal of fixed assets出售无形资产损失 Loss on sales of intangible assets固定资产盘亏 Fixed assets inventory loss债务重组损失 Loss on arrangement罚款支出 Amercement outlay5701 所得税 Income tax以前年度损益调整 Prior year income adjustment现金Cash in hand银行存款 Cash in bank其他货币资金-外埠存款Other monetary assets - cash in other cities 其他货币资金-银行本票 Other monetary assets - cashier‘s check其他货币资金-银行汇票 Other monetary assets - bank draft其他货币资金-信用卡 Other monetary assets - credit cards其他货币资金-信用证保证金 Other monetary assets - L/C deposit其他货币资金-存出投资款 Other monetary assets - cash for investment 短期投资-股票投资 Investments - Short term - stocks短期投资-债券投资 Investments - Short term - bonds短期投资-基金投资 Investments - Short term - funds短期投资-其他投资 Investments - Short term - others短期投资跌价准备 Provision for short-term investment长期股权投资-股票投资 Long term equity investment - stocks长期股权投资-其他股权投资 Long term equity investment - others长期债券投资-债券投资 Long term securities investemnt - bonds长期债券投资-其他债权投资 Long term securities investment - others长期投资减值准备 Provision for long-term investment应收票据 Notes receivable应收股利 Dividends receivable应收利息 Interest receivable应收帐款 Trade debtors坏帐准备- 应收帐款 Provision for doubtful debts - trade debtors预付帐款 Prepayment应收补贴款 Allowance receivable其他应收款 Other debtors坏帐准备- 其他应收款 Provision for doubtful debts - other debtors其他流动资产 Other current assets物资采购 Purchase原材料 Raw materials包装物 Packing materials低值易耗品 Low value consumbles材料成本差异 Material cost difference自制半成品 Self-manufactured goods库存商品 Finished goods商品进销差价 Difference between purchase & sales of commodities委托加工物资 Consigned processiong material委托代销商品 Consignment-out受托代销商品 Consignment-in分期收款发出商品 Goods on instalment sales存货跌价准备 Provision for obsolete stocks待摊费用 Prepaid expenses待处理流动资产损益 Unsettled G/L on current assets待处理固定资产损益 Unsettled G/L on fixed assets委托贷款-本金 Consignment loan - principle委托贷款-利息 Consignment loan - interest委托贷款-减值准备 Consignment loan - provision固定资产-房屋建筑物 Fixed assets - Buildings固定资产-机器设备 Fixed assets - Plant and machinery固定资产-电子设备、器具及家具 Fixed assets - Electronic Equipment, furniture and fixtures 固定资产-运输设备 Fixed assets - Automobiles累计折旧 Accumulated depreciation固定资产减值准备 Impairment of fixed assets工程物资-专用材料 Project material - specific materials工程物资-专用设备 Project material - specific equipment工程物资-预付大型设备款 Project material - prepaid for equipment工程物资-为生产准备的工具及器具 Project material - tools and facilities for production在建工程 Construction in progress在建工程减值准备 Impairment of construction in progress固定资产清理 Disposal of fixed assets无形资产-专利权 Intangible assets - patent无形资产-非专利技术 Intangible assets - industrial property and know-how 无形资产-商标权 Intangible assets - trademark rights无形资产-土地使用权 Intangible assets - land use rights无形资产-商誉 Intangible assets - goodwill无形资产减值准备 Impairment of intangible assets长期待摊费用 Deferred assets未确认融资费用 Unrecognized finance fees其他长期资产 Other long term assets递延税款借项 Deferred assets debits应付票据 Notes payable应付帐款 Trade creditors预收帐款 Adanvances from customers代销商品款 Consignment-in payables其他应交款 Other payable to government其他应付款 Other creditors应付股利 Proposed dividends待转资产价值 Donated assets预计负债 Accrued liabilities应付短期债券 Short-term debentures payable其他流动负债 Other current liabilities预提费用 Accrued expenses应付工资 Payroll payable应付福利费 Welfare payable短期借款-抵押借款 Bank loans - Short term - pledged短期借款-信用借款 Bank loans - Short term - credit短期借款-担保借款 Bank loans - Short term - guaranteed一年内到期长期借款 Long term loans due within one year一年内到期长期应付款 Long term payable due within one year长期借款 Bank loans - Long term应付债券-债券面值 Bond payable - Par value应付债券-债券溢价 Bond payable - Excess应付债券-债券折价 Bond payable - Discount应付债券-应计利息 Bond payable - Accrued interest长期应付款 Long term payable专项应付款 Specific payable其他长期负债 Other long term liabilities应交税金-所得税 Tax payable - income tax应交税金-增值税 Tax payable - VAT应交税金-营业税 Tax payable - business tax应交税金-消费税 Tax payable - consumable tax应交税金-其他 Tax payable - others递延税款贷项 Deferred taxation credit股本 Share capital已归还投资 Investment returned利润分配-其他转入 Profit appropriation - other transfer in利润分配-提取法定盈余公积 Profit appropriation - statutory surplus reserve利润分配-提取法定公益金 Profit appropriation - statutory welfare reserve利润分配-提取储备基金 Profit appropriation - reserve fund利润分配-提取企业发展基金 Profit appropriation - enterprise development fund利润分配-提取职工奖励及福利基金 Profit appropriation - staff bonus and welfare fund利润分配-利润归还投资 Profit appropriation - return investment by profit利润分配-应付优先股股利 Profit appropriation - preference shares dividends利润分配-提取任意盈余公积 Profit appropriation - other surplus reserve利润分配-应付普通股股利 Profit appropriation - ordinary shares dividends利润分配-转作股本的普通股股利 Profit appropriation - ordinary shares dividends converted to shares期初未分配利润 Retained earnings, beginning of the year资本公积-股本溢价 Capital surplus - share premium资本公积-接受捐赠非现金资产准备 Capital surplus - donation reserve资本公积-接受现金捐赠 Capital surplus - cash donation资本公积-股权投资准备 Capital surplus - investment reserve资本公积-拨款转入 Capital surplus - subsidiary资本公积-外币资本折算差额 Capital surplus - foreign currency translation资本公积-其他 Capital surplus - others盈余公积-法定盈余公积金 Surplus reserve - statutory surplus reserve盈余公积-任意盈余公积金 Surplus reserve - other surplus reserve盈余公积-法定公益金 Surplus reserve - statutory welfare reserve盈余公积-储备基金 Surplus reserve - reserve fund盈余公积-企业发展基金 Surplus reserve - enterprise development fund盈余公积-利润归还投资 Surplus reserve - return investment by investment主营业务收入 Sales主营业务成本 Cost of sales主营业务税金及附加 Sales tax营业费用 Operating expenses管理费用 General and administrative expenses财务费用 Financial expenses投资收益 Investment income其他业务收入 Other operating income营业外收入 Non-operating income补贴收入 Subsidy income其他业务支出 Other operating expenses营业外支出 Non-operating expenses所得税 Income tax。

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