银行相关术语及其翻译

2023-08-10 01:57| 来源: 网络整理| 查看: 265

电商、银行业务相关标签（空格分隔）：银行业务相关术语发布日记，杂文，所见所想撰写发布技术文稿（代码支持）撰写发布学术论文（LaTeX 公式支持）一、相关术语银行

1、跑批：

就是结帐。批量最主要就是产生总帐,进行总分核对，再次就是进行大批量交易，如:结息,计提,代收付等(这一步可以在各分布平台做)。再次就是生成报表,导出流水数据等。简单来讲就是每天半夜结算一次，一般是在10点到12点左右。

2、增量： 3、全量： 4、客户授信额度：说简单点，就是银行给借款人确定的贷款额度。参考链接 https://baike.baidu.com/link?url=DBuX4url_ZqokHWamQvN_yvMiB8D6ih4JauF4MYHQrqjRvgMytbozduzCQ7wUC2wuBcnlRrbTgkotrgKWd5ABFBxcRxa_L16fKx8I596jIG64LojWntgKDOdiaXx-lHI

授信额度是指商业银行为客户核定的短期授信业务的存量管理指标，一般可分为单笔贷款授信额度、借款企业额度和集团借款企业额度。

5、头寸：

头寸（position）也称为“头衬”就是款项的意思。头寸指投资者拥有或借用的资金数量。 1、如果银行在当日的全部收付款中收入大于支出款项，就称为“多头寸”，如果付出款项大于收入款项，就称为“缺头寸”。对预计这一类头寸的多与少的行为称为"轧头寸"。到处想方设法调进款项的行为称为“调头寸”。如果暂时未用的款项大于需用量时称为“头寸松”，如果资金需求量大于闲置量时就称为“头寸紧”。

6、口径：

就是"标准"，考核和衡量的尺度。

7、预算线：

预算线（Budgetline）：在既定价格水平下，消费者用给定的收入可能购买的各种商品组合点的轨迹。有时称预算约束(budget constraint)或者消费可能线、价格线。电商

SPU、SKU：

SPU = Standard Product Unit （标准化产品单元） IPhone X SKU = Stock Keeping Unit(库存量单位) IPhone X 黑色 128G 国行首先，搞清楚商品与单品的区别。例如，iphone是一个单品，但是在淘宝上当很多商家同时出售这个产品的时候，iphone就是一个商品了。商品：淘宝叫item，京东叫product，商品特指与商家有关的商品，每个商品有一个商家编码，每个商品下面有多个颜色，款式，可以有多个SKU。 SPU是商品信息聚合的最小单位，是一组可复用、易检索的标准化信息的集合，该集合描述了一个产品的特性。通俗点讲，属性值、特性相同的商品就可以称为一个SPU。例如，iphone4就是一个SPU，N97也是一个SPU，这个与商家无关，与颜色、款式、套餐也无关。针对电商而言： 1、SKU是指一款商品，每款都有出现一个SKU，便于电商品牌识别商品。 2、一款商品多色，则是有多个SKU，例：一件衣服，有红色、白色、蓝色，则SKU编码也不相同，如相同则会出现混淆，发错货。【总结一下】：SPU是标准化产品单元，区分品种；SKU是库存量单位，区分单品；商品特指与商家有关的商品，可对应多个SKU。 ARPU=Average Revenue Per User(每用户平均收入) ARPU注重的是一个时间段内运营商从每个用户所得到的利润。因此，高端的用户越多，ARPU越高。在这个时间段里，从运营商的运营情况来看，ARPU值高说明利润高，这段时间效益好。二、相关术语、短语和翻译术语相关翻译帐号account number存户depositor存款单pay-in slip存款单a deposit form自动存取机a banding machine存款to deposit存款收据deposit receipt私人存款private deposits存单certificate of deposit存折deposit book, passbook信用卡credit card本金principal透支overdraft, overdraw双签to counter sign背书to endorse背书人endorser兑现to cash兑付to honor a cheque拒付to dishonor a cheque止付to suspend payment支票cheque,check支票本cheque book记名支票order cheque不记名支票bearer cheque横线支票crossed cheque空白支票blank cheque空头支票rubber cheque票根cheque stub, counterfoil现金支票cash cheque旅行支票traveler’s cheque转帐支票cheque for transfer未付支票outstanding cheque已付支票canceled cheque伪支票forged cheque庄票银票Bandar’s note银行家banker行长president储蓄银行savings bank大通银行Chase Bank花旗银行Citibank汇丰银行Hongkong Shanghai Banking Corporation麦加利银行Chartered Bank of India, Australia and China东方汇理银行Banque de I’IndoChine中央银行central bank, national bank, banker’s bank发行币银行bank of issue, bank of circulation商业银行储蓄信贷银行commercial bank储蓄信贷银行member bank, credit bank贴现银行discount bank汇兑银行exchange bank委托开证银行requesting bank开证银行issuing bank, opening bank通知银行advising bank, notifying bank议付银行negotiation bank保兑银行confirming bank付款银行paying bank代收银行associate banker of collection委托银行consigned banker of collection清算银行clearing bank本地银行local bank国内银行domestic bank国外银行overseas bank钱庄unincorporated bank银行分行branch bank信托储蓄银行trustee savings bank信托公司trust company金融信托公司financial trust信托投资公司unit trust银行的信托部trust institution银行的信用部credit department商业信贷公司（贴现公司）commercial credit company(discount company)街道储蓄所neighborhood savings bank, bank of deposit合作银行credit union商业兴信所credit bureau无人银行self-service bank土地银行land bank建设银行construction bank工商银行industrial and commercial bank交通银行bank of communications互助储蓄银行mutual savings bank邮局储蓄银行post office savings bank抵押银行mortgage bank, building society实业银行industrial bank家宅贷款银行home loan bank准备银行reserve bank特许银行chartered bank往来银行corresponding bank承兑银行merchant bank, accepting bank投资银行investment bank进出口银行import and export bank (EXIMBANK)合资银行joint venture bank钱庄money shop, native bank信用社credit cooperatives票据交换所clearing house公共会计public accounting商业会计business accounting成本会计cost accounting折旧会计depreciation accounting电脑化会计computerized accounting总帐general ledger分户帐subsidiary ledger现金出纳帐cash book现金帐cash account日记帐流水帐journal, day-book坏帐bad debts问题资产troubled asset投资investment结余surplus游资idle capital经济周期economic cycle经济繁荣economic boom经济衰退economic recession经济萧条economic depression经济危机economic crisis经济复苏economic recovery通货膨胀inflation通货收缩deflation货币贬值devaluation货币增值revaluation国际收支international balance of payment顺差favourable balance逆差adverse balance硬通货hard currency软通货soft currency国际货币制度international monetary system货币购买力the purchasing power of money货币流通量money in circulation纸币发行量note issue国家预算national budget国民生产总值national gross product公债public bond股票stock, share债券debenture国库券treasury bill债务链debt chain直接（对角）套汇direct exchange间接（三角）套汇indirect exchange套汇汇率cross rate, arbitrage rate外汇储备foreign currency (exchange) reserve外汇波动foreign exchange fluctuation外汇危机foreign exchange crisis贴现discount贴现率discount rate, bank rate黄金储备gold reserve金融市场money (financial) market股票交易所stock exchange经纪人broker佣金commission簿记bookkeeping簿记员bookkeeper申请单an application form对帐单bank statement信用证letter of credit保险库strong room, vault等价税则equitable tax system签字式样specimen signature营业时间banking hours, business hours活期存款current deposit, current account定期存款fixed deposit, fixed account零存整取fixed deposit by installments存款帐户joint account开户头to open an account帐目编号account number存户depositor存款单pay-in slip存款单a deposit form自动存取机a banding machine存款to deposit存款收据deposit receipt私人存款private deposits存单certificate of deposit存折deposit book, passbook信用卡credit card本金principal透支overdraft, overdraw双签to counter sign背书to endorse背书人endorser兑现to cash兑付to honor a cheque拒付to dishonor a cheque止付to suspend payment支票cheque,check支票本cheque book记名支票order cheque不记名支票bearer cheque横线支票crossed cheque空白支票blank cheque空头支票rubber cheque票根cheque stub, counterfoil现金支票cash cheque'旅行支票traveler’s cheque转帐支票cheque for transfer未付支票outstanding cheque已付支票canceled cheque伪支票forged cheque庄票银票Bandar’s note（旧时指商店的销货额）流水turnover (in business)账务Accounts机构institution财务Finance借贷borrowing科目Account币种currency交易金额折人民币Exchange rate of RMB源系统Source_System交易行为Trading调整金额Adjustment Amount明细Detailed

短语

How much do you want to deposit with us? 你想在我们这存多少？ How much do you wish to pay into your account? 你希望在你的户头上存多少？ How much money do you plan to keep in your account on a regular basis? 你计划在你的户头上定期存放多少钱？ How much cash do you plan to deposit in your account? 你有多少钱要存入呢？ I think you may deposit your money with the bank, or leave it here for temporary safe-keeping. 我认为你可把钱存入银行，或留在银行暂保管起来。 Would you please fill in the depositing form, giving the sum of money you're to deposit as well as your name, address and professional unit? 请填张存款单，写明要存的数额以及你的姓名，地址和工作的单位，好吗？ I want to deposit 300 yuan in my account. 我想在我的户头上存300元。 I want to deposit these cheques in my account. 我想把这些支票存在我的户头上。 I'd like to pay 200 yuan into my deposit account. 我想在在我的定期存款户头上存200元。 I want to deposit my paycheck. 我想存入我的工资支票。 I'd like to know whether I can cash a cheque here. 我想知道我能否在这兑换支票。 Will you please cash this traveler's cheque? 请兑现这张旅行支票好吗？ I'd like to cash this money order. 我想兑现这张汇款单。 I want to cash the balance of a traveler's letter of credit. 我要把旅行信用证的结余兑现。 Will you please tell me whether you charge for cheques? 请告诉我兑换支票收手续费吗？ Could you tell me how much the checks cost? 请告诉我这些支票要花多少钱？ What if I overdraw? 如果透支了怎么办？ Please sign your name on the bottom line if you want to cash the check. 如果想兑支票，请在底线上签名。 Please write your account number on the back of the check. 请在支票背面写上你的帐号。 We honored the check as the overdraft was only 5 yuan. 我们承兑这张支票的透支额只有5元。 Please endorse the cheque. 请背签这张支票。 The traveler's checks cost 1.5% of the total amount of purchase. 旅行支票手续费是购买总额的1.5%。 Here's the cheque book. When you send a cheque by post be careful to cross it, but if you wish to cash a cheque yourself, you must leave it "open". 这是一本支票簿，你邮寄支票时，注意要在支票上打叉线。但是如果你本人想开张兑现支票，就不可打叉线。 Each cheque you write will cost 2 dollars. 你每开一张支票将花2美圆。 **Useful Phrases 实用短语** What kind of account did you have in your mind? 你想开哪种帐户? Do you like to open a current account? 你想开一个活期存款帐户吗? A deposit or current account? 定期还是活期? Please tell me how you would like to deposit your money. 请告诉我你想存何种户头? There's a service charge for the checking account but no charge for the savings. 支票户头要收服务费，现金户头不收。 Our minimum deposit for a savings account is 100 dollars. 我们储蓄存款的最低存款额是100美圆。 Five yuan is the minimum original deposit. 最低起存款额是5元。 You can open a savings account at any time with an initial deposit of 50 dollars. 你可随时以50美圆的起存额开立储蓄帐户。 Even one yuan is all right. 甚至一元也可以起存。 Here is your pasbook. Please bring it back when you deposit or withdraw money any time you like. Keep it well and inform us whenever you lose it. 这是你的存折，存取款时请带来。保管好存折，遗失请告诉我们。 I should like to open a current account. 我想开一个活期存款帐户。 I need a checking account so that I can pay my bill. 我需开个支票帐户，这样就能付帐。 We'd like to know how we open a checking-savings account. 我们想知道如何开一个支票储蓄帐户。 I have a checking account here. 我在这里有一个支票存款帐户。 I think I'd like a deposit account. 我想要开个定期存款帐户。 Can I open a current account here? 我能否在这儿开个活期存款帐户？ I want to open a deposit account with you. 我要开个储蓄帐户。 I'd like to open a deposit account with you. 我想在你们这儿开个定期存款帐户。 Could you tell me the difference between a savings account and a checking account? 请告诉我储蓄存款与支票存款的区别好吗？ Please tell me the procedure for opening a savings account. 请告诉我开个储蓄帐户需要什么手续。 Will 100 yuan be enough for a minimum deposit? 100元作最低存款额够吗？ I'd like to know whether a 200 yuan deposit will be enough for opening a checking account. 我想知道开一个支票帐户200元存款是否够。 Could you tell me how to operate this account? 请告诉我如何经管这个帐户好吗？ Is there any minimum for the first deposit? 第一次储蓄有最低限额吗？ How much does each account cost? 每个帐户要花多少钱？

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银行相关术语及其翻译

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