balization (全球性globality)
信誉风险 reputational risk
风险评级 risk rating
到期不还贷 default on a loan
资不抵债 insolvency; be insolvent
亚洲金融危机 Asian financial crisis (1997-98)
投资(贷款)组合 investment (loan) portfolio
外汇储备充足 sufficient foreign exchange reserves
中国金融业问题 problems with financial sector in China
储蓄比例过高 the excessively large proportion of savings in the money supply
国有企业产负债率过高 high leverage ratio of the state-owned enterprises,
国有独资商业银行不良资产比例过高 high ratio of non-performing loans of the state commercial banks
少数中小存款金融机构不能支付到期债务 insolvency of a handful of small and medium-sized financial institutions
不良贷款 non-performing loans
防范和化解金融风险 address financial risks
提高企业借贷和行使民事责任的能力 improve enterprises’ creditworthiness and ability to fulfil their civil liabilities
监事会 supervisory board
实行谨慎会计制度 adopt prudential accounting standards
五级分类法划分贷款质量 the five-category asset classification approach
金融资产管理公司 financial asset management companies
分离和收回不良资产 substantially reduce the ratio of non-performing assets
分业管理、规模经营 business segregation, economy of scale
规范金融机构市场退出制度 improve the market exit mechanism for financial institutions
政策性银行 state policy-related bank
国家发展银行 State Development Bank
知识经济 knowledge-based economy
网络经济 Internet-based networked economy
指导性计划 guidance plan
社会主义市场经济(中国) socialist market economy
社会市场经济(德国) social market economy
新经济(美国) new economy
中国光大银行 Everbright Bank of China
中国民声银行 China Minsheng Banking Corporation Ltd.
中信实业银行 CITIC Industrial Bank
中国进出口银行 China EXIM Bank
汇丰银行 Hong Kong and Shanghai Banking Corporation (HKSBC)
金融监管 financial supervision
中国人民银行法 Law of the People’s Bank of China
商业银行法 Law of Commercial Banks
保险法 Law of Insurance
证券法 Law of Securities
巴塞尔原则 Basel Core Principles
监管对象的行为有问题、管理机制不健全 problems of supervised entities’ behavior and the unsound internal governance mechanism
风险意识 consciousness of risk prevention
事前监管 proactive regulation and supervision
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 check 兑付
to dishonor a check 拒付
to suspend payment 止付
check 支
信誉风险 reputational risk
风险评级 risk rating
到期不还贷 default on a loan
资不抵债 insolvency; be insolvent
亚洲金融危机 Asian financial crisis (1997-98)
投资(贷款)组合 investment (loan) portfolio
外汇储备充足 sufficient foreign exchange reserves
中国金融业问题 problems with financial sector in China
储蓄比例过高 the excessively large proportion of savings in the money supply
国有企业产负债率过高 high leverage ratio of the state-owned enterprises,
国有独资商业银行不良资产比例过高 high ratio of non-performing loans of the state commercial banks
少数中小存款金融机构不能支付到期债务 insolvency of a handful of small and medium-sized financial institutions
不良贷款 non-performing loans
防范和化解金融风险 address financial risks
提高企业借贷和行使民事责任的能力 improve enterprises’ creditworthiness and ability to fulfil their civil liabilities
监事会 supervisory board
实行谨慎会计制度 adopt prudential accounting standards
五级分类法划分贷款质量 the five-category asset classification approach
金融资产管理公司 financial asset management companies
分离和收回不良资产 substantially reduce the ratio of non-performing assets
分业管理、规模经营 business segregation, economy of scale
规范金融机构市场退出制度 improve the market exit mechanism for financial institutions
政策性银行 state policy-related bank
国家发展银行 State Development Bank
知识经济 knowledge-based economy
网络经济 Internet-based networked economy
指导性计划 guidance plan
社会主义市场经济(中国) socialist market economy
社会市场经济(德国) social market economy
新经济(美国) new economy
中国光大银行 Everbright Bank of China
中国民声银行 China Minsheng Banking Corporation Ltd.
中信实业银行 CITIC Industrial Bank
中国进出口银行 China EXIM Bank
汇丰银行 Hong Kong and Shanghai Banking Corporation (HKSBC)
金融监管 financial supervision
中国人民银行法 Law of the People’s Bank of China
商业银行法 Law of Commercial Banks
保险法 Law of Insurance
证券法 Law of Securities
巴塞尔原则 Basel Core Principles
监管对象的行为有问题、管理机制不健全 problems of supervised entities’ behavior and the unsound internal governance mechanism
风险意识 consciousness of risk prevention
事前监管 proactive regulation and supervision
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 check 兑付
to dishonor a check 拒付
to suspend payment 止付
check 支