武大金融专业英语词汇及词组Word.docx

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业务流程 business process 经营效益 business performance
债权与债务 claims and obligations 资产与负债 assets and liabilities
同业存放 due to other banks 存放同业 due from other banks
技术转让 technology transfer 股份转让 equity assignment
授信额度 line of credit 违约罚金 liquidated damages
经常账户 current account 资本账户 capital account
招标 invitation for bids 推出产品 launch of a product
国际收支 balance of payments 收支（会计术语）revenues and expenses
凭单、代金券 voucher 定期/活期存单 time/demand C/D(Certificate of Deposit)
市政/公司债券municipal bond/corporate bond
结算与清算settlement/liquidation
指定行 designated bank 经办行handling bank 通知行advising bank
出票、开证行issuing bank 承兑行accepting bank
保兑行 confirming bank 议付行 negotiated bank
议价/谈判得来的合同 negotiated price/contract
代理行 correspondent bank 付款行paying bank 偿付行reimbursement bank
在××行开户 to open an account with a bank
在央行的存款deposits with the PBC
在工商管理局注册 be registered with the ×××Business Administration
履行合约 perform a contract 营业额、人员流动、资金周转 turnover
准备金（正常）reserves 准备金（坏账、不良资产）provisions
不良资产/贷款 non-performing asset/loan
营业效益 business performance 创造利润 generate profit
履约保函 Performance Bond/Guarantee 投标保函 Bid Bond/Guarantee
保证金、毛利润margin 保证金交易 trade on margin
保证金存款 marginal deposit
预付款advance=advance payment 定金 down payment
工程进度款 interim payment 工程进度款付款凭证interim certificates
国外直接投资 FDI(Foreign Direct Investment)
独资企业 WOS(Whole Owned Subsidiary)
合资企业 joint venture 合作、契约式企业contractual venture
注册资本 registered capital 实收资本paid-in capital
汇款单remittance 汇票draft
即期汇票sight draft 信用证 L/C(letter of credit)
表外业务 off-balance-sheet business 表内业务 on-balance-sheet business
交单业务 surrender business 境外担保 external guarantee
付款交单P/D(payment against documents)
承兑交单A/D(acceptance against documents)
贸易票据 trade documents 报关 customs declaration
可行性研究feasibility studies 规定、办法、准备金 provision
偿还债务（一笔）to service a debt 偿还债务（很多，超出能力）to meet one’s obligations
不动产（企业） real estate=real property=realty
抵押行为mortgage 抵押品 collateral 按揭买sth buy sth on mortgage
授权给 delegate to 债权人creditor 债务人 debit
工商统一发票/税 consolidated industrial and commercial invoice/tax
资产负债表 balance sheet 损益表 profit and loss statement
财务报表 financial statements 现金流量表statement of cash flows
利润分配表 statement of retained earnings
流动性、安全性、盈利性 liquidity/ security/ profitability
通过资格预审 pre-qualification/become pre-qualified
流动资金 working capital 控股企业 a holding firm
跨国公司 MNE：multi-national enterprise 无形资产 intangible assets
创业 start up 营业网点 outlet
采取纠偏措施take corrective actions 风险度量 risk measurement
备选方案 alternative proposal 项目立项 project identification
加速折旧/直线折旧/累计折旧accelerated/straight-line/accumulated depreciation
分阶段贷款 phased loan 不良贷款/资产non-performing loan/asset
权责发生制accrual-basis accounting
有偿还能力的solvent 还债能力solvency
存货inventory 持仓 inventory holding
销售型企业merchandising firms 制造型企业manufacturing firms
待摊费用 pre-paid expenses 处理资产 depose of premises=sell off assets
一年到期长期负债 current portion of mortgage payable
保本点break-even point 底线 bottom line
产能capacity 产能过剩over-capacity 产能不足under-capacity
佣金 commission 资本充足率要求 capital adequacy requirement
占用资本 tie up capital 私募 private placement
活期 call money 较短时间通知 short notice 宽限期 grace
本金（投资）stake 本金（存贷）principal
报销单、报账单 expense claim sheet 个人花费personal expenses
为公家花费 business expenses
To pay in cash/with a check/on card/ 现金付款
赊购 buy on credit 划账进货 on open account 货到付现 COD
预期投资回报率 ROI/anticipated rate of return on investment

武汉市人民政府的优惠政策
The preferential policy of the People’s Municipal Government of Wuhan

普通股common stock 优先股preferred stock
债转股debt- equity swap 应付账款account payable 残值residual value
承租人lessee 出租人 lesser 财务状况financial status
客方利益相关利益者 interested parties 干系人 stake-holders
管理层 management 在行的、内行的 knowledgeable
绩效考核 performance evaluation
出资 contribution of investment/investment contributed
分配（利益、收入）distribution 分配（资源、时间）allocation
余额 balance ceiling 未分配利润、留存收益 retained earnings
发展基金 expansion reserves 规模效益 scale economies
实/已缴纳资本paid-in capital 在sth.上提款 draw on sth.
抵押贷款 mortgage loan=secured loan 非抵押贷款 unsecured loan
其他、杂项miscellaneous 资本充足率 capital adequacy
资本、知识、劳动密集型的 capital/knowledge/labor-intensive
市场导向型的 market-oriented 问题导向型的 issue-oriented
业绩导向型的 performance-oriented 分数导向型的 score-oriented
证券securities 押金security 透支overdraft 负息的interest-bearing
缔结合约 enter into=conclude a contract/agreement
项目融资 project financing
下订单 to place an order with sb. for sth.
接受订单 to take an order from sb. for sth.
单据 Documents 信用证 Letter of Credit
跟单信用证 Documentary L/C 不可撤销的 irrevocable
无追索权的without recourse
保兑的、无追索权的、不可撤销的跟单信用证
A confirmed irrevocable without recourse Documentary L/C
受益人 beneficiary 空白背书 endorsed in blank
.提货单bill of lading 保险单insurance policy 装箱单 packing list
到期日 expiry date 特许经营 franchising
多样化经营 diversification 专业化经营 specialization
资本品 capital goods 起草 draw up
实地考察 a fact-finding mission 升值 appreciation
资产/投资组合 asset/investment portfolio 保险费、溢价、加价premium
分摊 amortize 分类账 ledger 总账 general ledger
借方 debit 贷方credit
收支（一笔款）receipts and payments 收支（实体或个人） revenues and expenses
合同附件（文字）appendix to a contract 合同附件（图标）exhibit to a contract
公司章程（USA）Articles of Incorporation 公司章程（UK）Articles of Association
清楚载明、标明 make out to order 原产地证书 certificate of origin
中国人民人寿保险公司 the People’s Insurance Company of China
销售确认书 sales confirmation 收货及下单人 consignee and order placed by sb.
原产国 country of origin 由开证人支付 for opener’s account
善意持有人 bona fide holders 到期日妥善付现 be duly honored at maturity
处置设备的损失/所得 loss/gain on sale of equipment
处置设备所得费用 proceeds from disposal of equipment
存货inventory 商品存货merchandise inventory
普通存款 regular deposits 财政存款 fiscal deposits
应计利息 accrued interest receivable 委托贷款 entrusted loans
分支行的投资 investment in subsidiaries 从央行拆借 borrowing from PBC
自有资本 capital funds=required capital 活期存款 demand deposits
定期存款 term deposits
Premises, plants and equipment 不动产，装备和设备
技改项目 capital improvement program 承诺费 commitment fee
事前规定的 pre-specified 技术规范 specifications
循环信贷协议revolving credit agreement 采购(招标) procurement
息差 spread 标的物subject matter 资本品 capital goods
房产贷款 real estate loans 还贷计划 repayment scheme
辛迪加贷款Syndicated loan 合同管理 contract administration
重大开发项目a major development 超…over-run in sth(time/cost/budge)
前段负荷 front-end loan 工作内容 scope of work 经营范围scope of business
发起人、甲方sponsor 项目的阶段phase of a project
开发/投资前期 pre-development/pre-investment
项目执行 project implementation 项目完成与经营project completion and operation
还贷期 pay off 交钥匙工程 turn-key project
特许权 concession (为此支付的费用 royalty)
银行界 bank community 银行业 bank industrial
工艺、流程process 公司治理 corporate governance
定编、岗、员staffing 透支 overdraft
合格的债券 eligible bills 贷款保险费 credit insurance premiums
特许协议 concession agreement 基础设施 infrastructure
可获性 availability 资金占用了 funds/capital is tied up
经营活动/融资活动的现金流入与流出 cash flows from operating/financing activities
减去以下现金的支出 less cash payments for
销售及行政费用支出 selling & administrative expense
经营活动带来的净现金流 net cash flow provided by operating activities
结算短期票据的支出 payment to settle short-term note
发行债券的专项收入 proceeds from bond issue
已付的股息 dividend paid
为建房而发行的普通股票 common stock issued for biding
出售长期的投资的收益 gain on sale of long-term investments
坏账准备金 provision for bad debts 应计利息贷款 accrued interest loans
高考 matriculation tests 势头 momentum
耗时的 time-consuming 书面的 sth.in written=written sth.
见票即付 pay on demand 根据sb.的命令 to the order of sb.
出票人 drawer 受票人drawee
即期汇票 sight bill 远期汇票 usance bill
往账，存放海外同业nostro account
来账，海外同业存款 vostro account
全球银行同业金融通讯SWIFT(Society for worldwide Inter-bank Financial Telecommunications)
密押 test key 物权凭证 title to goods
任凭sb.支配 be at the disposal of sb.
资本密集型的 capital-intensive
汇出货款 remit the proceeds (对权力的)放弃 waive
…的当事人 parties to sth 合规处 Compliance Dept
修改，修正(对具有法律规定的、合同的) amend n. amendment
提名的 nominated 发货 consignment
发货人 consigner 收货人 consignee