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Bankstatement银行对账单Currentdeposit活期存款Telegraphictransfer电汇DiscountRate贴现率Open-EndFund开放式基金中国招商银行ChinaMerchantsBank信用卡CreditCard浮动汇率FloatingRate利率InterestRate货币政策MonetaryPolicy现代管理学之父：彼得·德鲁克菲利普斯曲线表示：失业率和通货膨胀之间的关系CIF的风险转移点：货过船舷双因素理论的创始人：赫茨伯格提高存款准备金率将：提高贴现率将：货币供给量减少，利率提高赫兹伯格的保健因素（判断对错）面对金融危机，我国采取的措施以及银行业采取的措施？第一部分中国的银行业business商号，企业，公司savings储蓄monetarypolicy货币政策repository仓库liquidfunds流动资金channel引入，注入impulse推动力，刺激macroeconomicmanagement宏观经济管理inresponseto随……specializedbank专业银行DecisiononFinancialReform关于金融改革的决定comprehensivepackageofmeasures一揽子综合措施inflationarypressure通货膨胀压力signsofoverheating市场过热现象structuralmeasure结构上的措施exchangerate汇率currentaccountconvertibility经常项目可自由兑换性inter-bankmoneymarket银行间货币市场segregation拆分policybank政策性银行infrastructuralproject基础设施项目joint-equity合资softlanding软着陆retailpriceindex零售物价指数subdue征服sustainablerate可持续增长的比率negativeimpact消极影响capitalinflow资本流入officialforeignexchangereserve官方外汇储备resilience反弹aggregatefinancing融资总量full-fledged成熟的LawofthePeople’sBankofChina《中华人民共和国中国人民银行法》issuecurrency发行货币circulation流通fiscalagent财政代理fiscaldeficit财政赤字soundfinancialorder良好的金融秩序overhaul大修，取代，裁撤indirectpolicyinstrument间接政策手段creditceiling贷款额度reserveratio准备金率fixedassets固定资产commercialbank商业银行WorldTradeOrganization世界贸易组织profit-drivenentities盈利实体internationallycompatible与国际接轨的appropriatedisclosurestandards适当的披露标准listing股票上市，股票挂牌intermediaryservices中间业务internationalsettlement国际结算coststructure成本结构regulatorystandards调节标准，调节规范economictransition经济转型magnitude规模riskmanagement风险管理prudentialmanagement审慎管理riskmonitoringandwarningsystem风险监控和警戒系统proceeds收益capitaladequacyratio资本充足率loanapproval贷款核准loanrelease贷款发放insolvent无偿付能力，破产liquidationprocedures清算程序fit-and-propertest称职测试assetmanagementcompany资产管理公司non-performingloans不良贷款resourceallocation资源配置enforceabilityofbankclaims银行债权的追讨ownershipstructure所有制结构corporategovernance法人治理incentivestructure激励机制openmarkettransactions公开市场业务fine-tuning微调modesoftransaction交易方式settlementandclearingsystem清算系统rediscountbusiness（票据的）再贴现业务requiredreservesystem法定准备金制度accountingperiod会计年度intermediaterate中间利率interestrateliberalization利率自由化banklendingrates银行贷款利率depositrates存款利率retaildepositinterestrate小额存款利率share-holdingbanks股份制银行controllingshare控股股份capitalreplenishmentsystem资本金补充制度informationdisclosure信息披露creditcooperatives信用合作社nationaltreatment国民待遇accountingsystem会计制度ratingagency信用评级机构第二部分银行监管misappropriation盗用operatingprocedures操作程序discretion判断力accountingentry会计分录creditor债权人mobilize动员distribute分发，分配publicgood公共利益accord协议liquiditydrain流动性丧失depositinsurancefund存款保险基金inasafeandsoundmanner安然无恙的bankruns银行运行thefund’sloss基金损失promptintervention迅速干涉remedialmeasure补救措施responsiveto对……敏感thrust推力monopoly垄断anti-competitivepractices反对竞争的行为bankcapitalrequirements银行资本金要求dividendlimitations股息限制impair削弱regulatoryauthorities监管当局accountingprinciple会计准则independentaudit独立审计financialposition财务状况counter-partyrisk交易对手风险orderlyexit有序退出problembank问题银行systemicprotection系统保护operationalindependence独立运行solventinstitution有偿付能力的机构cognation同族distortion变形，曲解，失真marketsignal市场信号charteringbanks特许银行pre-filingstage提出申请阶段applicationstage申请阶段organizingstage组织阶段premise（企业、机构等使用的）房屋；院内的土地；房产proformafinancialstatement预测财务报表projection预测market-entryticket进入市场的凭证statute法令，条例incompliancewith遵守expertise专家的意见，专门的技术theBasleCommittee巴塞尔委员会endorsement背书，签注，认可venture冒险，投机，风险integrity诚信standing信誉名望beconsistentwith与……一致deploy展开cross-checking相互校验，反复核对dualcontrolofassets资产的双重控制doublesignatures双重签名trackrecord记录deemedtobedetrimentalto被认为对……有害financialprojection财务预测start-upcosts启动成本initialcapitalamount启动资本数量corporateparent母公司theBasleMinimumStandards巴塞尔最低标准aconsolidatedbasis统一（合并）的基础benotifiedof通报indirectinvestment间接投资inrespectof关于acquisition兼并awidearrayof大量的perspective观点potential潜在的creditrisk信贷风险on-andoff-balancesheet表内和表外项目writeoff勾销，注销（债款）；报废suspend暂停repricingrisk重定价风险yieldcurve收益率曲线optionality可选择性，随意portfolio资产组合deregulate解除管制insolvency无力偿还，破产unethical不道德的，缺乏职业道德的besusceptibleto易受影响的complywith符合，遵守financialdistress财务困难directorate董事会，管理局prudentialrules审慎规则imprudent轻率的，鲁莽的supplant排挤掉，代替dynamic动态的assetconcentration资产集中loanclassificationsystem贷款分类系统adequacyofloanlossreserves足够的贷款损失储备riskmanagement风险管理internalcontrol内部控制equitycapital股本权益revenue收入capitaladequacyratios资本充足率riskprofile风险组合assetquality资产质量inatimelyfashion及时地，适时地corecapital核心资本tieronecapital一级资本retainearning留存收益surplus盈余supplementarycapital补充资金revaluationreserves重估储备金hiddenreserves秘密准备金subordinatedterm从属条款riskweight风险权重undercapitalized资本金不足merger合并volatilityofprice价格不稳定correlationassumption相关性假设non-linearpricecharacteristics非线性价格特性plusfactor正因素independentriskcontrolunit独立风险控制部门risk-sensitive风险敏感的one-size-fits-allframework一成不变的框架ratingsbased以评级为基础的defaultoftheborrower借贷者不履行还款责任commensuratewith与……相称的highlyleveraged高举债经营的provisions备用金baddebt呆账，坏账loan借款advance预付款extensionofcredits信贷延期obligor债务人collateral担保品capitalinjection资本（金）注入liquidationproceedings清算诉讼liens抵押留置权refinancingplans再融资计划salvagevalue残余价值contingentliabilities或有债务haveanadversebearingon对……有不利影响overdueloans过期贷款doubtfulloans可疑贷款overdraft透支assetsportfolio投资