中国银行系统金融术语汉英对照表
- 格式：docx
- 大小：13.59 KB
- 文档页数：5
中国银行系统金融术语汉英对照表excess reserves consolidation of domestic and foreign currencyaccounts sterilization operation localized interest;departmentalism currency mismatch currencycomposition off-balance-sheet items （ operation ） fixed cost at constant price;in real terms realestate problem loans ；non-performing loans （ assets ） fiscal deficitfiscal pressure on the central bank （ over monetary policy ） coordination of fiscal and monetary policiesto manipulate exchange rate operational flexibility treasury bonds open position urban cooperative banks;municipal united banks municipal commercial banksurban credit cooperatives （ UCCs ）household deposits （ 不 完 全 等 同 于 西 方 savingsdeposits ，前者包括活期存款，后者不 包括。
） diversion of household deposits decline in the availability of household savings tight control loan/deposit ratio deposit insurance system deposit money banks required reserves certificate of deposit（ CD ）备付金（超额准备金） 本外币并账本外币对冲操作 本位利益 币种搭配不当 币种构成表外科目（业务） 不变成本 不变价 不动产 不良贷款（资产）财政赤字 财政挤银行 财政政策与货币政策的配合操纵汇率 操作弹性 长期国债 敞口头寸 城市合作银行城市商业银行 城市信用社 储蓄存款储蓄分流 储源萎缩 从紧控制 存贷款比例 存款保险体系 存款货币银行 存款准备金 大额存单大额提现大一统的银行体制呆账（请见“坏账” ）呆账准备金呆滞贷款代理国库代理金融机构贷款贷款沉淀贷款分类贷款限额管理贷款约束机制戴帽贷款递延资产调节流动性独立核算短期国债对冲操作对非金融部门债权恶性通货膨胀发行货币法定准备金放松银根非银行金融机构公开市场操作公款私存股份制银行固定资产贷款国际收支国有独资商业银行国债回购国债一级自营商withdraw deposits in large amounts (all-in-one ) mono-bank system bad loans loan loss reserves ( provisions )idle loans to act as fiscal agent make loans on behalf of other institutions non-performing loans loan classification credit control;to impose credit ceiling credit disciplinary ( constraint )mechanism ear-marked loans deferrable assets to influence liquidity level independent accounting treasury bills sterilizationoperation;hedging claims on non-financial sector hyperinflation to issue currency required reserves;reserve requirement to ease monetary policy non-bank financial institutions open market operations deposit public funds in personal accounts joint-equity banks fixed asset loans balance of payments wholly state-owned commercial banks government securities repurchase primary underwriters of government securities宏观调控macroeconomic management ( or adjustment ) 坏账还本付息bad debt debt service换汇成本汇兑在途unit export cost;localexport earnings fundsin floatcurrency cost of汇兑支出advance payment ofbeneficiary's bankremittance by the汇率并轨unification of exchange rates汇率失调exchange rate misalignment活期存款demand deposits货币政策态势monetary policy stance货款拖欠overdue obligations to suppliers基准利率benchmark interest rate挤提存款run on banks挤占挪用unwarranted diversion of ( financial )resources ( from designated uses )缴存准备金to deposit required reserves金融脆弱financial fragility金融动荡financial turbulence金融风波financial disturbance金融恐慌financial panic金融危机financial crisis金融压抑financial repression金融衍生物financial derivatives金融诈骗紧缩银根financial fraudto tighten monetary policy紧缩政策austerity policies;tight financia lpolicies控制现金投放control currencyissuance跨国银行业务cross-border banking 离岸银行业务off-shore banking( business )利率杠杆的调节作用the role of interest rates inresourc eallocation联行清算inter-bank settlement 流动性比例liquidity ratio流动资产周转率 / 流通速度velocity of liquidassets流动资金贷款working capital loans 卖出回购证券matched sale of repo农村信用社rural creditcooperatives （RCCs）适度从紧appropriately tight适时调节timely adjustment收回对金融机构贷款to recall central bank loans ( to financialinstitutions )贴现窗口discount window同业拆借（放）inter-bank borrowing ( lending ）同业拆借市场利率（中国）CHIBOR( China inter-bank offered rate ）inter-bank financing bills inter-bank transactions position overdraft adjustment of monetary base disintermediation foreign exchange reserves foreign exchange swap the RMB counterpart of foreign exchange reserves;the RMB equivalent of offcial foreign exchange holdings a sound banking systemcash held outside the banking system incremental credit; loan increment; credit growth; credit expansion review the compliance with credit ceilings banking outlets managed floating exchange rate overdue loans;past-due loans central bank lending reserve position in international financial institutions deposits at （ with ） the central bank fund in float policy instrument policy banks quasi-fiscal deficit quasi-money under-capitalized capital adequacy ratio return on capitalcapital account convertibility insolvent;insolvency balance sheet liability/asset ratio;ratio ofliabilities to assets asset contribution factor asset concentration return on assets （ ROA ） asset quality asset portfolio同业融通票据 同业往来 头寸 透支 吞吐基础货币 脱媒现象 外汇储备 外汇调剂 外汇占款稳健的银行系统现金滞留（居民手中） 新增贷款 信贷规模考核银行网点 有管理的浮动汇率 逾期贷款 再贷款 在国际金融机构储备头寸在人行存款 在途资金 政策工具 政策性银行 准财政赤字 准货币 资本不足 资本充足率 资本利润率资本账户可兑换 资不抵债 资产负债表 资产负债率 资产贡献率 资产集中 资产利润率 资产质量 资产组合资金成本cost of funding;cost ofcapital;financing cost资金到位fully funded ( project ) 资金宽裕to have sufficient funds 资金利用率fund utilization rate资金缺口financing gap资金体外循环financial disintermediation 资金占压funds tied up最后贷款人lender of last resort。
