1、金融英语：国际收支国际收支 国际收支 Balance of Payments 国际货币基金组织 International Monetary Fund 国际收支平衡 Balance of Payments Statement 经常项目 Current Account. 贸易收支 Goods 劳务收支 Service 单方面转移收支 Unilateral Transfer 资本项目 Capital Account 长期资本 Direct Investment 热钱/游资 Hot Money 平衡项目(储备项目/结算项目) Balancing or Settlement Account 官方储备
2、Official Reserves 自主性交易 Autonomous Transaction 调节性交易 Accommodating Transaction 事前交易 Ex-ante Transaction 事后交易 Ex-post Transaction. 国际收支顺差 Balance of Payments Surplus 国际收支逆差 Balance of Paymentd Deficit 贸易差额 Trade Balance 经常项目差额 The Current Account Balance金融英语:工行牡丹卡(对话三)5A:What benefits do the Peony Ca
3、rd have for corporate cardholder?B:Agency receipt and payment saves the time of shopping and banking for staffs.A:Any other benefits?B:Business trip allowances,medical expenses and other internal payments can all be completed through mutual transfer between the employees and enterprises Peony Card a
4、ccounts.A:Its really a coagent in enterprises finance.B:Moreover,it helps the corporate with instant settlement in or beyond the city,increasing the service efficiency of funds.A:What special services they are!B:Our aim is to satisfy every customers needs.A:领用牡丹卡对单位有什么好处呢？B:代理收付节约购物时间和跑银行的时间。A:还有什么其
5、它好处呢？B:将差旅费和医疗费用报销及其它内部缴纳工作，全部通过牡丹卡完成员工卡账户与 企业 卡账户间的相互转账。A:它真是企业财务的好帮手。B:此外，它帮助单位在同城或异地实现即时清算，提高资金使用效率。A:真是专业化服务啊！B:我们的服务宗旨就是满足每一位客户的需要。6A:Hello!I want to have a Peony Credit Card of your bank.B:Which do you prefer, a gold card or an ordinary card?A:Why!Hows that?B:Well.According to the credit grade
6、, the Peony Credit Card is distinguished as gold and ordinary cards.A:What special discount and service can people get for gold one?B:You can get credit limit amounts ranging from 20,000 to 50,000 yuan for a gold card,but only up to 20,000 yuan for an ordinary one.A:What requirements do you need to
7、get a gold one?B:You may apply for a personal gold card if you have a salary of more than 2,000 yuan per month as in the same conditions as other applicants.A:Oh.I will have a gold card.A:您好！我想办一张贵行的牡丹信用卡。B:您喜欢办金卡，还是普通卡呢？A:啊！这是怎么回事呢？B:噢。按信用程度，牡丹信用卡分为金卡和普通卡。A:金卡能得到什么优惠和特殊服务呢？B:您可以获得 20,000元至 50,000元的
8、信用额度，而普通卡最多只有 20,000元。A:办金卡有什么规定吗？B:在其他方面和别人条件一样的情况下，如果您月收入达到 2,000元以上，就可以申领金卡。A:那我办一张金卡。金融英语:工商银行牡丹卡(对话)1 A:Excuse me,is this the Peony Credit Card Department of the ICBC?B:Yes.Is there anything I could do for you?A:Could you tell me something about your Peony Credit Card? B:Yes,of course.A:What se
9、rvice advantages does peony card possess?B:Oh.First of all, We have interconnected our service offices throughout the country. In more than 320 card-issuing cities,there are over 28,000 savings offices and 100,000 special units.A:Thats great.Anything else?B:We have the advantages of computer network
10、 with 27,000 ATMs and 120,000 POS. You can enjoy pleasant and convenient services anytime and anywhere.A:Thank you for your information.B:Youre welcome.A:请问这儿是工商银行牡丹卡部吗？B:是。需要我为您做点儿什么吗？A:我想咨询牡丹卡业务，可以吗？B:当然可以。A:牡丹卡有哪些服务优势呢？B:噢。首先，我们在国内实现了服务机构 网络 化。在现有 320多个发卡城市中，共有28,000多个指定储蓄所，特约单位 100,000多家。A:太棒了！还
11、有哪些优势呢？B:我行拥有计算机网络优势,现有 ATM机近 27,000多台，POS 机 120,000余台。您可以随时随地享受到轻松方便的服务。A:谢谢您的咨询。B:不用谢。 2A:Why are “MasterCard“ symbols on the faces of Peony Card?B:Ah.Thats because the ICBC has joined in the MasterCard International Organization in Feb.1990.And “MasterCard“ is the symbol of the organization.A:Doe
12、s it do anything with the Peony Card?B:Well,according to the regulations of the Internatioal Credit Card Organization, every member bank must design the symbol of the organization on the face of the credit card. Therefore,there are “MasterCard“ symbols on the faces of the peony cards.A:Ah.I think it
13、s the same with the VISA symbol.B:Quite so.A:为什么牡丹卡卡面上带有“MasterCard“图案？B:因为中国工商银行己于 1990年 2月加入了“万事达卡“国际组织，成为其会员银行。“MasterCard“是该组织的标志。A:这与牡丹卡有什么关系吗？B:嗯，根据国际信用卡组织的规定，每个会员银行发行的信用卡面上必须带有该组织的标志，因此，牡丹卡面上带有“MasterCard“标志。A:喔，看来 VISA图案也是如此。B:正是这样。金融英语：保险类翻译词汇commencement and termination 起讫 cover 承保 cover 责
14、任额 deposit premium 预付保费 destroyed 毁坏 earth caves 土坏房屋 event limit 事件限额 exgratia payments 通融赔款 excess loss 超额赔款 exclusion 除外责任 exposed areas 风险承受区域 facultative reinsurance 临时分保 fault zone 断层区 finite risk 有限制的风险 flash floods 骤发洪水 flooding of rivers 洪水泛滥 frame structure 框架结构 full coverage 全额承保 full ins
15、urance value 足额保险价值 full liability 全部责任 Geophysics Institute 地球物理研究所 GNPI 总净保费收入 hailstorm 雹暴 heavy damage 严重破坏 hollow brick wall 空斗砖结构 hour clause 小时条款 hurricane 飓风 individual losses 单一损失 insurability 可保性 insured losses 保险损失 intensity 烈度 layering 层次 less exposed 损失可能性小 liability 责任 light damage 轻度破
16、坏 line slips 分保条 loading 附加费 loss occurrence 损失发生 loss occurring basis 损失发生基础 loss participation 分担损失 loss settlement 损失赔付 magnitude 震级 malicious damage 恶意损害 moderate damage 中度破坏 multi-story building 多层建建筑 Munich Re 慕尼黑再 net retained lines 净自留额 net retained losses 损失净自赔额 no profit commission 无纯益风险 n
17、on-proportional reinsurance 非比例再保险 notification 告知 object 标的 obligatory reinsurance 固定分保 original deductibles 原始免赔额 original rate 原始费率 paid-up capital 已付资本 peak accelerator 峰值加速度 peril 危险 PICC Re 中保再 placement 安排 PML 可能最大损失 policyholder 保单持有者 pool 共保组合 portfolio entry 未满期责任的出帐 portfolio outgo 未满期责任的
18、入帐 premium 保费 previous losses 既往损失 priority 分保自留额 priority 自付责任 proportional reinsurance 比例再保险 rainstorm 雨暴 rating 费率 reinforced concrete building 钢筋混凝土建筑 reinstatement 恢复保额 reinsured 分出公司 reinsurer 再保险人 retention 自留额 retention areas 滞洪区 return period 重现期 revoke license 吊销营业执照 seaquake 海震 second eve
19、nt cover 第二事件承保 securitization 证券化 seismic demage 震害 set-off 抵销 shear wall structure 剪力墙结构 single 险位超赔 spread loss 分散风险 stop loss 赔付率超赔 storm surges 风暴潮 susceptibility of goods to water 易受水浸性 tarrif 费率表 TG 拐点周期 tidal wave 海啸 topographic map 地形图 tornado 龙卷风 total sum insured 总保额 treaty-limits 合约限额 tu
20、be structure 筒体结构 underwriting policy 承保政策 windstorm 风暴 social insurance 社会保险 personal property insurance 个人财产保险 insurance of contents 家庭财产保险险别 Free from Particular Average（F.P.A.） 平安险 With Particular Average （W.P.A.） 水渍险 All Risks 一切险 risk of breakage 破碎险 risk of clashing 碰损险 risk of rust 生锈险 risk
21、of hook damage 钩损险 risk of contamination (tainting) 污染险 insurance against total loss only (TLO) 全损险 risk of deterioration 变质险 risk of packing breakage 包装破裂险 risk of inherent vice 内在缺陷险 risk of normal loss (natural loss) 途耗或自然损耗险 risk of spontaneous combustion 自然险 risk of contingent import duty 进口关税险
22、 insurance against war risk 战争险 Air Transportation Cargo War Risk 航空运输战争险 overland Transportation Insurance War Risk 陆上运输战争险 insurance against strike, riot and civil commotion (SRCC)罢工暴动， 民变险 insurance against extraneous risks, insurance against additional risks 附加险 risk of theft, pilferage and nond
23、elivery (TPND) 盗窃提货不着险 risk of fresh and/of rain water damage(wetting) 淡水雨淋险 risk of leakage 渗漏险 risk of shortage in weight/quantity 短量险 risk of sweating and/or heating 受潮受热险 risk of bad odour(change of flavour) 恶味险，变味险 risk of mould 发霉险 on deck risk 舱面险 保险业词汇 Terms used in insurance industryacciden
24、t 意外事故险 actuarial method 精算法 Advance Loss Profits (ALOP) 预期利润损失险，利损险 Advance profit 预期利润 broker 经纪人 Business Interruption Insurance (BI) 营业中断险 captive 自保公司 casualty 意外伤害险 catastrophe 巨灾险 ceding company 分出公司 claim 索赔 claim settlement 理赔 combined ratio 综合赔付率 Consequential Loss (CL)facultative business
25、 临分保 IBRN Incurred but not reported losses 已发生但未报的损失 IBRN reserve IBRN 储备金 indemnity period/limit 赔期/期限 inflated claim 超额索赔 insurance capacity 承保能力 insured property 参保物业 Kobe 神户 Lloyd 劳合社 long-tail 长尾 Loss of profit 利损险 Machinery (Breakdown) Insurance 机器（损坏险，机损险 mail/sub-contractor 主/分承包商 maintenanc
26、e 保证期 multiple claim 多次（重复）索赔 non-life 非寿险 officer & director liability 雇主保险 outstanding claim reserve 未决索赔准备金 PC industry property & catastrophe industry peril 危险 policy 保单 pool 联营 possible maximum loss 可能的最大损失 premium 保费 primary insurance company 原保公司、主保险商 principal/employer 业主 professional 专业险 pr
27、ofit margin 利润边际 property 财产险 proportional cover 比例分保 punitive damage 惩罚性损害 rate 费率 reinsurer 分保人（分保公司） reinsurer 再保人 reserve 准备金 retention 自留 return period （巨灾）间隔期 short-tail 短尾 solvency margin 赔偿能力 standing charges 维持费用 subject insured 风险标的 sum insured 保额 tarrif zone 险区 Third Party Liability (TPL)
28、 第三者责任险 treaties business 合同分保 turnover 营业额 underwriting 承保 working expenses /cost 营业费用 writing 承保金融英语：Whatswrong?Liu: Hello, I am the accountant of company A, and my surname is Liu.Please check the bank statement for me, because something is wrong. Thank you!Zhang: No problem! Please take the bank
29、statement to me. MmmMs Liu, this bank statement is the same with the computer.刘：您好，我姓刘，是 A公司的会计，麻烦您帮我核实一下这份银行对账单好吗？因为我们有些数目对不上，谢谢！张：好的，请把银行对账单给我。嗯 刘小姐，我用电脑核对了一遍，这份银行对账单没有错。金融英语：WhatshappenedZhang: Look here, Ms Liu, I cannot find a 30000Yuan payout in the Journal, which is noted in the bank statemen
30、t.Liu: It is impossible! Let me have a look! Its true. I will come to the bank tomorrow, and you check the voucher, ok!张：刘小姐，您看，银行寄来的对账单中有一笔 30000元人民币的支出和我们日记账对不上啊！刘：怎么可能？让我看一看，还真是啊，明天我到银行去核对一下，你查查原始凭证好吗？金融英语：ThebankagreedLiu: Sir, after hard negotiation, the bank agreed to loan us a 500000Yuan shor
31、tterm credit at last.Cheng: That is great! I am just worrying about the working capital. Thank you for your hard working these days!刘：经理，经过艰苦的谈判，我们终于同银行谈妥了一笔 50万元的短期贷款。陈：太好了!我还正为周转资金发愁哪。谢谢你这些天来的努力工作！金融英语：ProgressPaymentLin: Hello, this is Lin from A company. A week ago, we delivered some materials t
32、o your company, and these have been accepted. When will you pay us the progress payment?Liu: Have you submit the invoice? After we receive the invoice, and check with the contract department to verify the amount, well process payment.林：你好，我是 A公司的林先生。上个星期， 我们送了一批材料到贵公司，并且已经验收完毕。请问贵公司什么时候付给我们进度款？刘：你们已
33、经把发票给我们公司了吗？ 我们收到发票，并且和合同部都确认无误后，就会很快付款的。金融英语：ProblemissolvedZhang: Hello, Ms Liu. This is Li .I found that we had left out a payout during checking the voucher.Liu: I thought as much! Then it is understandable that the bank statement is right. Ok, problem is solved. Please add the account!李：刘小姐您好，我
34、是小李啊。我查了原始凭证，发现是我们漏记了一笔支出。张：果然不出我所料！难怪银行这里没问题。那好吧，请你把这笔账补上吧。金融英语：OnthewaytothebankZhang: Are you going to deposit the cash in the bank?Liu: Yes, our internal control over cash requires that all cash receipts be deposited daily in the bank.张：你又要去送存现金了吗？刘：是的，我们的现金内部控制制度要求我们每天都将现金收入存入银行。金融英语：Accountrec
35、onciliationChen: Ms Liu, these are the account reconciliation for our ledgers for Last month, and there are still some minor mistakes. We need to adjust the wrong records in this month.Liu: OK. Thats good, thanks for your work. And please inform them to pay attention to the manual work.陈：刘小姐，这些是我们上个
36、月总账的对账报告，仍然还是有一些小错误。这需要我们在这个月进行调账。刘：好的，谢谢你的工作。并且请通知他们在工作中要尽量避免手工操作时的错误。金融英语：accountingrecordsZhang: Have you recorded the revenue of ￥100000 earned on July 1?Liu: Certainly, I have recorded this revenue and an accounts receivable in the accounting records on July 1.Look, the entry is Dr: Accounts re
37、ceivable RMB100000,Cr: Sales RMB100000.张：7 月 1日 10万元的收入记录了没有？刘：当然。我已经在 7月 1日确认了收入，并增加了相应的应收账款余额。看，会计分录为 借：应收账款 人民币 100000,贷：销售收入 人民币 100000。金融英语：aboutPurchaseZhang: Hello, I want to buy ten typewriters for our company. This is 5000 Yuan, and please invoice me for the typewriters.Ling: Ok, I will cal
38、l someone to take the typewriters to your car. Here is your 340 Yuan change and the invoice.张：你好，我想要为我的公司买 10台打字机。这里是 5000元，请给我开张发票。林：好的，我会找人把打字机运到您的汽车上，这是找给您的 340元钱和发票。金融英语：aboutdepositZhang: Hello, Ms. Liu, nice to meet you again.Liu: Me too, I want to deposit the 100000 Yuan to our companys accou
39、nt, and withdraw 1000 Yuan from our company account to replenish our petty cash found.张：你好啊，刘小姐，很高兴再次见到你。刘：我也很高兴，我想把这十万元存入我公司的账户并取出一千元来补充我们的零用现金基金。金融英语 地震再保险词汇 1(earthquake) intensity （地震）强度梅卡利仪测量破坏程度(earthquake) magnitude（地震）烈度里氏仪测量震感强度after shock余震Alternative Risk Transfer新型风险转移anti-seismic design
40、（房屋）抗震设计Business interruption营业中断险capacity承保能力CARconstruction all risks 建工一切险 或：建工险catastrophe XL巨灾超赔CEA加州地震局ceding company分出公司contingent liquidity或有流动性co-related risks关联风险coverage受保范围deductibles免赔额EARerection all risks 安工一切险 或： 安工险earthquake exposure zone地震风险区EQ - earthquake地震excess of loss （XL)超赔分
41、保experience fund经验基金exposure暴露面exposure rating风险评估facultative reinsurance临时再 保险 (可选择的保险，非强制性的)FAS 13No. 13 Financial Accounting Standardfault断层financial quota shares成数分保financial reinsurance财务再保险finite risk reinsurance有限风险再保险Finite risk transfer有限风险转移GNPIGross Net Premium Income 总净保费收入Holistic risk transfer整体风险转移上学吧为您提供“金融英语”资料下载http:/
