1、1金融词典(汉 -英) 安全网 safety net按可比口径 on comparable 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 currency accou
2、nts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 become well-to-do避税（请见“逃税“） tax avoidance币种搭配不当 currency mismatch币种构成 currency composition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
3、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（资产） problem loans; non-performing loans (assets) 财务公司 finance companies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 poli
4、cies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 product composition; product mix产品积压 stock pile; excessive inventory产销率 current period inventory; (即期库存，不含前期库存)sales/outputratio产销衔接 marketability产业政策 industrial policy长期国债 treasury bonds敞口
5、头寸 open position炒股 to speculate in the stock market承购包销 underwrite (securities)成套机电产品 complete sets of equipment; complete plant (s)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 commercial banks城乡居民收入增长超过物价涨幅 real growth in household inc
6、ome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 savings deposits,前者包括活期存款，后者不包括。)储蓄分流 diversion of
7、household deposits储源萎缩 decline in the availability of household savings传导机制 transmission mechanism从价税 ad valorem tax从紧控制 tight control存贷款比例 loan/deposit ratio存款保险体系 deposit insurance system存款货币银行 deposit money banks2存款准备金 required reserves 打白条 issue IOU大额存单 certificate of deposit (CD)大额提现 withdraw d
8、eposits in large amounts大面积滑坡 wide-spread decline大一统的银行体制 (all-in-one) mono-bank system呆账（请见“坏账“） bad loans呆账准备金 loan loss reserves (provisions)呆滞贷款 idle loans贷款沉淀 non-performing loans贷款分类 loan classification贷款限额管理 credit control; to impose credit ceiling贷款约束机制 credit disciplinary (constraint) mecha
9、nism代理国库 to act as fiscal agent代理金融机构贷款 make loans on behalf of other institutions戴帽贷款 ear-marked loans倒逼机制reversed transmission of the pressure for easing monetary condition道德风险 moral hazard地区差别 regional disparity 第一产业 the primary industry 第二产业 the secondary industry 第三产业 the service industry; the
10、tertiary industry 递延资产 deferrable assets订货不足 insufficient orders定期存款 time deposits定向募集 raising funds from targeted sources东道国（请见“母国“） host country独立核算 independent accounting短期国债 treasury bills对冲操作 sterilization operation; hedging对非金融部门债权 claims on non-financial sector多种所有制形式 diversified ownership 恶性
11、通货膨胀 hyperinflation二级市场 secondary market 发行货币 to issue currency发行总股本 total stock issue法定准备金 required reserves; reserve requirement法人股 institutional shares法人股东 institutional shareholders法治 rule of law房地产投资 real estate investment放松银根 to ease monetary policy非现场稽核 off-site surveillance (or monitoring)非银
12、行金融机构 non-bank financial institutions非赢利性机构 non-profit organizations分税制assignment of central and local taxes; tax assignment system分业经营 segregation of financial business (services);division of business scope based on the type of financial institutions风险暴露（风险敞口） risk exposure风险管理 risk management风险意识
13、risk awarenes风险资本比例 risk-weighted capital ratios风险资本标准 risk-based capital standard服务事业收入 public service charges; users charges扶贫 poverty alleviation负增长 negative growth复式预算制 double-entry budgeting; capital and current budgetary account 改革试点 reform experimentation杠杆率 leverage ratio杠杆收购 leveraged buyou
14、t高息集资 to raise funds by offering high interest3个人股 non-institutional shares根本扭转 fundamental turnaround (or reversal)公开市场操作 open market operations公款私存 deposit public funds in personal accounts公用事业 public utilities公有经济 the state-owned sector; the public sector公有制 public ownership工业成本利润率 profit-to-cost
15、 ratio工业增加值 industrial value added供大于求 supply exceeding demand; excessive supply鼓励措施 incentives股份合作企业 joint-equity cooperative enterprises股份制企业 joint-equity enterprises股份制银行 joint-equity banks固定资产贷款 fixed asset loans关税减免 tariff reduction and exemption关税减让 tariff concessions关税优惠 tariff incentives; pr
16、eferential tariff treatment规范行为 to regularize (or standardize).behavior规模效益 economies of scale国计民生 national interest and peoples livelihood国家对个人其他支出 other government outlays to individuals国家风险 country risk国际分工 international division of labor国际收支 balance of payments国有独资商业银行 wholly state-owned commerc
17、ial banks国有经济（部门） the state-owned (or public) sector国有企业 state-owned enterprises (SOEs)国有制 state-ownership国有资产流失 erosion of state assets国债回购 government securities repurchase国债一级自营商 primary underwriters of government securities过度竞争 excessive competition过度膨胀 excessive expansion过热迹象 signs of overheatin
18、g 合理预期 rational expectation核心资本 core capital合资企业 joint-venture enterprises红利 dividend宏观经济运营良好 sound macroeconomic performance宏观经济基本状况 macroeconomic fundamentals宏观调控 macroeconomic management (or adjustment)宏观调控目标 macroeconomic objectives (or targets)坏账 bad debt还本付息 debt service换汇成本 unit export cost;l
19、ocal currency cost of export earnings汇兑在途 funds in float汇兑支出advance payment of remittance by the beneficiarys bank汇率并轨 unification of exchange rates活期存款 demand deposits汇率失调 exchange rate misalignment混合所有制 diversified (mixed) ownership货币政策态势 monetary policy stance货款拖欠 overdue obligations to suppliers
20、 基本建设投资 investment in infrastructure基本经济要素 economic fundamentals基本适度 broadly appropriate基准利率 benchmark interest rate机关团体存款 deposits of non-profit institutions机会成本 opportunity cost激励机制 incentive mechanism积压严重 heavy stockpile; excessive inventory挤提存款 run on banks挤占挪用 unwarranted diversion of (financia
21、l)resources(from designated uses)技改投资 investment in technological upgrading技术密集型产品 technology-intensive product4计划单列市 municipalities with independent planning status计划经济 planned economy集体经济 the collective sector加大结构调整力度 to intensify structural adjustment加工贸易 processing trade加快态势 accelerating trend加强
22、税收征管稽查 to enhance tax administration加权价 weighted average price价格放开 price liberalization价格形成机制 pricing mechanism减亏 to reduce losses简化手续 to cut red tape; to simplify (streamline) procedures交投活跃 brisk trading缴存准备金 to deposit required reserves结构扭曲 structural distortion结构失调 structural imbalance结构性矛盾突出 ac
23、ute structural imbalance结构优化 structural improvement (optimization)结汇、售汇 sale and purchase of foreign exchange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 financial fraud紧缩银
24、根 to tighten monetary policy紧缩政策 austerity policies; tight financial policies经常账户可兑换 current account convertibility经济特区 special economic zones (SEZs)经济体制改革 economic reform经济增长方式的转变change in the main source of economic growth (from investment expansion to efficiency gains)经济增长减速 economic slowdown;mod
25、eration in economic growth经济制裁 economic sanction经营自主权 autonomy in management景气回升 recovery in business activity境外投资 overseas investment竞争加剧 intensifying competition局部性金融风波 localized (isolated) financial disturbance 开办人民币业务 to engage in RMB business可维持（可持续）经济增长 sustainable economic growth可变成本 variable
26、 cost可自由兑换货币 freely convertible currency控制现金投放 control currency issuance扣除物价因素 in real terms; on inflation-adjusted basis库存产品 inventory跨国银行业务 cross-border banking跨年度采购 cross-year procurement会计准则 accounting standard 来料加工 processing of imported materials for export离岸银行业务 off-shore banking (business)理顺
27、外贸体制 to rationalize foreign trade regime利率杠杆的调节作用 the role of interest rates in resource allocation利润驱动 profit-driven利息回收率 interest collection ratio联行清算 inter-bank settlement连锁企业 franchise (businesses); chain businesses良性循环 virtuous cycle两极分化growing income disparity;polarization in income distributi
28、on零售物价指数 retail price index (RPI)流动性比例 liquidity ratio流动资产周转率流通速度 velocity of liquid assets流动资金贷款 working capital loans流通体制 distribution system5流通网络 distribution network留购（租赁期满时承租人可购买租赁物） hire purchase垄断行业 monopolized industry (sector)乱集资 irregular (illegal) fund raising乱收费 irregular (illegal) charg
29、es乱摊派 unjustified (arbitrary) levies 买方市场 buyers market卖方市场 sellers market卖出回购证券 matched sale of repo贸易差额 trade balance民间信用 non-institutionalized credit免二减三exemption of income tax for the first two years of making profit and 50% tax reduction for the following three years明补 explicit subsidy明亏 explic
30、it loss名牌产品 brand products母国（请见“东道国“） home country 内部控制 internal control内部审计 internal audit内地与香港 the mainland and Hong Kong内债 domestic debt扭亏为盈 to turn a loss-making enterprise into a profitable one扭曲金融分配 distorted allocation of financial resources农副产品采购支出 outlays for agricultural procurement农村信用社 r
31、ural credit cooperatives (RCCs) 泡沫效应 bubble effect泡沫经济 bubble economy培育新的经济增长点 to tap new sources of economic growth片面追求发展速度 excessive pursuit of growth平衡发展 balanced development瓶颈制约 bottleneck (constraints)平稳回升 steady recovery铺底流动资金 initial (start-up) working capital普遍回升 broad-based recovery配套改革 con
32、comitant (supporting) reforms配套人民币资金 local currency funding of. 企业办社会 enterprises burdened with social responsibilities企业集团战略 corporate group strategy企业兼并重组 company merger and restructuring企业领导班子 enterprise management企业所得税 enterprise (corporate) income tax企业效益 corporate profitability企业资金违规流入股市irregu
33、lar flow of enterprise funds into the stock market欠税 tax arrears欠息 overdue interest强化税收征管 to strengthen tax administration强制措施 enforcement action翘尾因素 carryover effect切一刀 partial application清理收回贷款 clean up and recover loans（破产）清算 liquidation倾斜政策 preferential policy区别对待 differential treatment趋势加强 inte
34、nsifying trend全球化 globalization权益回报率 returns on equity (ROE)缺乏后劲 unsustainable momentum 绕规模贷款 to circumvent credit ceiling人均国内生产总值 per capita GDP人均收入 per capita income人民币升值压力 upward pressure on the Renminbi (exchange rate)认缴资本 subscribed capital6软贷款 soft loans软预算约束 soft budget constraint软着陆 soft lan
35、ding三角债 chain debts; inter-enterprise arrears善政廉政 good governance商业贷款 commercial loans上市公司 (publicly) listed corporations设备利用 capacity utilization社会保障 social safety net; social security (insurance)深层次矛盾 deep-rooted structural imbalance审批金融机构 to license financial institutions审慎监管 prudential supervisi
36、on生产能力闲置 unutilized capacity生息资产 interest-bearing assets实际利用外资disbursement of foreign capital;actual inflow of foreign investment实际有效汇率 real effective exchange rate实时 real time实收资本 paid-in capital实现利润 realized profit市场分割 market segmentation市场经济 market economy市场占有率（市场份额） market share市场准入 market acces
37、s (指商品和劳务的进入);market entry (指机构的审批)市价总值 market capitalization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 financial institutions)税后还贷 amortization (repayment of loans) after tax税收流失 tax erosion税源不足 weak tax base私营经济（私人经济） the private sector私有制 private owner
38、ship所有者权益 owners equity 逃税（请见“避税“） tax evasion套汇 （）指合法：currency swap; arbitrage（）指非法：illegal purchase of foreign exchange剔除季节性因素 seasonally adjusted调节流动性 to influence liquidity level贴现窗口 discount window同比 on year-on-year basis;over the same period of the previous year同业拆借（放） inter-bank borrowing (le
39、nding)同业拆借市场利率（中国） CHIBOR (China inter-bank offered rate)同业融通票据 inter-bank financing bills同业往来 inter-bank transactions透支 overdraft退税 tax refund (rebate)头寸 position吞吐基础货币 adjustment of monetary base脱媒现象 disintermediation 外部审计 external audit外国直接投资 foreign direct investment (FDI)外汇储备 foreign exchange r
40、eserves外汇调剂 foreign exchange swap外汇占款the RMB counterpart of foreign exchange reserves;the RMB equivalent of offcial foreign exchange holdings外向型经济 export-oriented economy外债 external debt外资企业 foreign-funded enterprises完善现代企业制度 to improve the modern enterprise system完税凭证 tax payment documenttion7违法经营
41、illegal business委托存款 entrusted deposits稳步增长 steady growth稳健的银行系统 a sound banking system稳中求进 to make progress while ensuring stability无纸交易 book-entry (or paperless/scriptless) transaction物价监测 price monitoring 吸纳流动性 to absorb liquidity稀缺经济 scarcity economy洗钱 money laundering系统内调度 fund allocation withi
42、n a bank系统性金融危机 systemic financial crisis下岗工人 laid-off employees下游企业 down-stream enterprises现场稽核 on-site examination现金滞留（居民手中） cash held outside the banking system乡镇企业 township and village enterprises (TVEs)消费物价指数 consumer price index (CPI)消费税 excise (consumption) tax消灭财政赤字 to balance the budget; to
43、 eliminate fiscal deficit销货款回笼reflow of corporate sales income to the banking system销售平淡 lackluster sales协议外资金额 committed amount of foreign investment新经济增长点 new sources of economic growth新开工项目 new projects; newly started projects新增贷款incremental credit; loan increment; credit growth;credit expansion新
44、增就业位置 new jobs; new job opportunities信贷规模考核 review the compliance with credit ceilings信号失真 distorted signals信托投资公司 trust and investment companies信息不对称 information asymmetry信息反馈 feedback (information)信息共享系统 information sharing system信息披露 information disclosure信用扩张 credir expansion信用评级 credit rating姓“
45、资“还是姓“社“ pertaining to socialism or capitalism; socialist or captialist行政措施 administrative measures需求膨胀 demand expansion; excessive demand虚伪存款 window-dressing deposits削减冗员 to shed excess labor force寻租 rent seeking迅速反弹 quick rebound 养老基金 pension fund一刀切 universal application; non-discretionary implem
46、entation一级市场 primary market应收未收利息 overdue interest银行网点 banking outlets赢利能力 profitability营业税 business tax硬贷款（商业贷款） commercial loans用地审批 to grant land use right有管理的浮动汇率 managed floating exchange rate证券投资 portfolio investment游资（热钱） hot money有市场的产品 marketable products有效供给 effective supply诱发新一轮经济扩张 trigg
47、er a new round of economic expansion逾期贷款 overdue loans; past-due loans与国际惯例接轨to become compatible with internationally accepted practices与国际市场接轨 to integrate with the world market预算外支出（收入） off-budget (extra-budgetary)8expenditure (revenue)预调 pre-emptive adjustment月环比 on a month-on-month basis; on a
48、monthly basis 再贷款 central bank lending在国际金融机构储备头寸reserve position in international financial institutions在人行存款 deposits at (with) the central bank在途资金 fund in float增加农业投入 to increase investment in agriculture增势减缓deceleration of growth; moderation of growth momentum增收节支措施 revenue-enhancing and expend
49、iture control measures增长平稳 steady growth增值税 value-added tax (VAT)涨幅偏高 higher-than-desirable growth rate; excessive growth账外账 concealed accounts折旧 depreciation整顿 retrenchment; consolidation政策工具 policy instrument政策性业务 policy-related operations政策性银行 policy banks政策组合 policy mix政府干预 government intervention证券交易清算 settlement of securities transactions证券业务占款 funding of securities purchase支付困难 payment difficulty支付能力 payment capacity直接调控方式向to increase the reliance on indirect policy instruments间接调控方式转变职能转换 transformation of functions职业道德 professio
