经济学词汇

division of labor 劳动分工 commodity money 商品货币 legal tender 法定货币 fiat money 法定通货

a medium of exchange交换媒介 legal sanction法律制裁 face value面值

liquid assets流动资产 illiquidl assets非流动资产 the liquidity scale 流动性指标 real estate 不动产

checking accounts,demand deposit,checkable deposit 活期存款

time deposit 定期存款

negotiable order of withdrawal accounts 大额可转让提款单

money market mutual funds 货币市场互助基金 repurchase agreements 回购协议 certificate of deposits存单 bond 债券 stock股票

travelers'checks 旅行支票

small-denomination time deposits小额定期存款 large-denomination time deposits大额定期存款

bank overnight repurchase agreements 银行隔夜回购协议

bank long-term repurchase agreements 银行长期回购协议

thrift institutions 存款机构 financial institution 金融机构 commercial banks商业银行 a means of payment 支付手段 a store of value储藏手段 a standard of value价值标准

unit two

reserve 储备 note 票据 discount贴现 circulate流通

central bank 银行

the Federal Reserve System联邦储备系统 credit union 信用合作社 paper currency 纸币 credit creation 信用创造 branch banking 银行分行制 unit banking 单一银行制 out of circulation 退出流通 capital stock股本 at par以票面价值计

electronic banking电子银行

banking holding company 公司银行 the gold standard金本位

the Federal Reserve Board 联邦储备委员会 the stock market crash 股市风暴 reserve ratio 准备金比率

unit three deficit 亏损 roll展期

wholesale批发 default不履约 auction拍卖 collateralize担保 markup价格的涨幅 dealer交易员 broker经纪人

pension funds 养老基金 face amount面值

commerical paper商业票据

banker's acceptance银行承兑汇票 Fed fund 联邦基金 eurodollar欧洲美元 treasury bills 国库券 floating-rate 浮动比率 fixed-rate 固定比率 default risk 拖欠风险 credit rating信誉级别 tax collection税收

money market货币市场 capital market资本市场

original maturity 原始到期期限 surplus funds过剩基金

unit four

premium升水 discount贴水 par平价 deficit赤字 future期货

capital movements资本流动

foreign exchange dealings外汇交易 balance of payment国际收支 eurodollar market欧洲美元市场 spot rate 即期汇率 forward rate远期汇率 cross rate交叉汇率

arbitrage transation套汇交易 space arbitrage地点套汇 time arbitrage时间套汇 interest arbitrage 套利

direct quotation直接标价法 indirect quotation间接标价法 decimal system十进制 long position多头 short position空头

swedish kronor瑞典克郎 Sfr 瑞士法郎 DM德国马克 FFr法国法郎 Dkr丹麦克郎 Nkr挪威克郎 Yen日元

Can＄加拿大元 ￡英镑

Lit意大利里拉 Aus＄澳大利亚元 DG荷兰盾 BF比利时法郎

unit five

the society for worldwide interbank financial telecommunication(SWIFT)环球银行金融电讯协会 the clearing house interbank payments system(CHIPS)纽约银行同业清算系统

over-the-counter market场外交易市场 invoice，发货单 portfolio债务，投资组合 turnover总成交额

not-for-profit cooperative非盈利性组织 triangular arbitrage三角套汇

unit six quota 配额 guaratee保函

fixed exchange rate固定汇率

balance of payment deficit国际收支逆差 international reserve国际储备

credit tranche drawing信贷份额借款 credit tranche信贷份额

credit tranche facilities信贷份额贷款便利 international payment国际收支 buffer stock缓冲存货

extended facilities补偿信贷便利

government borrowing国债；借款 price fluctuation价格波动，价格涨落 export earning 出口收益

enlarged access policy 延期进入 credit policy信用

debt restructuring债务重组，债务调整 Bretton Woods Agreement布雷顿森林协议

International Monetary Fund 国际货币基金组织

International Bank for Resonstruction and Development(IBRD)国际复兴与开发银行

International Development Association（I.D.A.)国际开发协会

International Fincance Corporation（I.F.C.)国际金融公司

financial intermediary 金融中介 concessional terms特惠条件 trade credit商业信贷

earning capacity收益能力

Bank for International Settlements（B.I.S.)国际清算银行

financial settlement财务清算

unit seven

syndication辛迪加 underwrite包销，认购

hedge对冲买卖、套期保值 innovation到期交易 spread利差 principal本金 swap掉期交易

eurobond market 欧洲债券市场 euronote欧洲票据

Federal Reserve Bank (FRB)联邦储备银行 unsecured credit无担保贷款

fixed term time deposit定期支付存款 lead bank牵头银行

neogotiable time deposit议付定期存款

inter-bank money market银行同业货币市场 medium term loan 中期贷款 syndicated credit银团贷款 merchant bank商业银行

portfolio management 有价债券管理 lease financing租赁融资

note issurance facility票据发行安排 bearer note不记名票价

underwriting facility包销安排 floating-rate note 浮动利率票据 bond holder债券持持有者

London Interbank Offered Rate(LIBOR)伦敦同业优惠利率

back-up credit line备用信贷额

promissory note(P.N..p/n)本票

revolving cerdit 循环信用证，即revolving letter of Chartered Bank of India, Australia and China 麦加利银行

credit

non interest-bearing reserves无息储备金 interest rate controls 利率管制 interest rate ceiling 利率上限 interest rate floor 利率下限 deposit insurance 存款保险 account number 帐目编号 depositor 存户 pay-in slip 存款单 a deposit form 存款单

a banding machine 自动存取机 to deposit 存款

deposit receipt 存款收据 private deposits 私人存款 certificate of deposit 存单 deposit book, passbook 存折 credit card 信用卡 principal 本金

overdraft, overdraw 透支 to counter sign 双签 to endorse 背书 endorser 背书人 to cash 兑现

to honor a cheque 兑付 to dishonor a cheque 拒付 to suspend payment 止付 cheque,check 支票 cheque book 支票本 order cheque 记名支票 bearer cheque 不记名支票 crossed cheque 横线支票 blank cheque 空白支票 rubber cheque 空头支票 cheque stub, counterfoil 票根 cash cheque 现金支票 traveler's cheque 旅行支票 cheque for transfer 转帐支票 outstanding cheque 未付支票 canceled cheque 已付支票 forged cheque 伪支票 Bandar's note 庄票，银票 banker 银行家 president 行长

savings bank 储蓄银行 Chase Bank 大通银行

National City Bank of New York 花旗银行

Hongkong Shanghai Banking Corporation 汇丰银行 Banque de I'IndoChine 东方汇理银行

central bank, national bank, banker's bank 银行 bank of issue, bank of circulation 发行币银行 commercial bank 商业银行，储蓄信贷银行 member bank, credit bank 储蓄信贷银行 discount bank 贴现银行 exchange bank 汇兑银行

requesting bank 委托开证银行

issuing bank, opening bank 开证银行 advising bank, notifying bank 通知银行 negotiation bank 议付银行 confirming bank 保兑银行 paying bank 付款银行

associate banker of collection 代收银行 consigned banker of collection 委托银行 clearing bank 清算银行 local bank 本地银行 domestic bank 国内银行 overseas bank 国外银行 unincorporated bank 钱庄 branch bank 银行分行

trustee savings bank 信托储蓄银行 trust company 信托公司 financial trust 金融信托公司 unit trust 信托投资公司

trust institution 银行的信托部 credit department 银行的信用部

commercial credit company(discount company) 商业信贷公司（贴现公司）

neighborhood savings bank, bank of deposit 街道储蓄所

credit union 合作银行 credit bureau 商业兴信所 self-service bank 无人银行 land bank 土地银行

construction bank 建设银行

industrial and commercial bank 工商银行 bank of communications 交通银行 mutual savings bank 互助储蓄银行 post office savings bank 邮局储蓄银行 mortgage bank, building society 抵押银行 industrial bank 实业银行

home loan bank 家宅贷款银行 reserve bank 准备银行 chartered bank 特许银行 corresponding bank 往来银行

merchant bank, accepting bank 承兑银行

investment bank 投资银行

import and export bank (EXIMBANK) 进出口银行 joint venture bank 合资银行 money shop, native bank 钱庄 credit cooperatives 信用社 clearing house 票据交换所 public accounting 公共会计 business accounting 商业会计 cost accounting 成本会计

depreciation accounting 折旧会计 computerized accounting 电脑化会计 general ledger 总帐

subsidiary ledger 分户帐 cash book 现金出纳帐 cash account 现金帐

journal, day-book 日记帐，流水帐 bad debts 坏帐 investment 投资 surplus 结余 idle capital 游资

economic cycle 经济周期 economic boom 经济繁荣 economic recession 经济衰退 economic depression 经济萧条 economic crisis 经济危机 economic recovery 经济复苏 inflation 通货膨胀 deflation 通货收缩 devaluation 货币贬值 revaluation 货币增值

international balance of payment 国际收支 favourable balance 顺差 adverse balance 逆差 hard currency 硬通货 soft currency 软通货

international monetary system 国际货币制度 the purchasing power of money 货币购买力 money in circulation 货币流通量 note issue 纸币发行量 national budget 国家预算

national gross product 国民生产总值 public bond 公债 stock, share 股票 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 banker 银行家 president 行长

savings bank 储蓄银行 Chase Bank 大通银行

National City Bank of New York 花旗银行

Hongkong Shanghai Banking Corporation 汇丰银行 Chartered Bank of India, Australia and China 麦加利银行

Banque de I'IndoChine 东方汇理银行

central bank, national bank, banker's bank 银行 bank of issue, bank of circulation 发行币银行 commercial bank 商业银行，储蓄信贷银行 member bank, credit bank 储蓄信贷银行 discount bank 贴现银行 exchange bank 汇兑银行

requesting bank 委托开证银行

issuing bank, opening bank 开证银行 advising bank, notifying bank 通知银行 negotiation bank 议付银行 confirming bank 保兑银行 paying bank 付款银行

associate banker of collection 代收银行 consigned banker of collection 委托银行 clearing bank 清算银行 local bank 本地银行 domestic bank 国内银行 overseas bank 国外银行 unincorporated bank 钱庄 branch bank 银行分行

trustee savings bank 信托储蓄银行 trust company 信托公司 financial trust 金融信托公司 unit trust 信托投资公司

trust institution 银行的信托部 credit department 银行的信用部

commercial credit company(discount company) 商业信贷公司（贴现公司）

neighborhood savings bank, bank of deposit 街道储蓄所

credit union 合作银行 credit bureau 商业兴信所 self-service bank 无人银行 land bank 土地银行

construction bank 建设银行

industrial and commercial bank 工商银行 bank of communications 交通银行 mutual savings bank 互助储蓄银行 post office savings bank 邮局储蓄银行

mortgage bank, building society 抵押银行 industrial bank 实业银行

home loan bank 家宅贷款银行 reserve bank 准备银行 chartered bank 特许银行 corresponding bank 往来银行

merchant bank, accepting bank 承兑银行 investment bank 投资银行

import and export bank (EXIMBANK) 进出口银行 joint venture bank 合资银行 money shop, native bank 钱庄 credit cooperatives 信用社 clearing house 票据交换所 public accounting 公共会计 business accounting 商业会计 cost accounting 成本会计

depreciation accounting 折旧会计 computerized accounting 电脑化会计 general ledger 总帐

subsidiary ledger 分户帐 cash book 现金出纳帐 cash account 现金帐

journal, day-book 日记帐，流水帐 bad debts 坏帐 investment 投资 surplus 结余 idle capital 游资

economic cycle 经济周期 economic boom 经济繁荣 economic recession 经济衰退 economic depression 经济萧条 economic crisis 经济危机 economic recovery 经济复苏 inflation 通货膨胀 deflation 通货收缩 devaluation 货币贬值 revaluation 货币增值

international balance of payment 国际收支 favourable balance 顺差 adverse balance 逆差 hard currency 硬通货 soft currency 软通货

international monetary system 国际货币制度 the purchasing power of money 货币购买力 money in circulation 货币流通量 note issue 纸币发行量 national budget 国家预算

national gross product 国民生产总值 public bond 公债

stock, share 股票 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 贴现

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 commission 佣金 bookkeeping 簿记 bookkeeper 簿记员

an application form 申请单 bank statement 对帐单 letter of credit 信用证 strong room, vault 保险库 equitable tax system 等价税则 specimen signature 签字式样

banking hours, business hours 营业时间