常用英语口语会话分类词汇汇编（中篇）23. 金融与财务

finance/financing/financial
economic/economical/economics
economist/senior economist
economy
financial background
financial sector/institution
financial obligation
financial/monetary crisis
accounting/accountant
chief/general/senior accountant
financial/accounting specialist
financial director/controller
CFO/Chief Financial Officer
audit/auditor
chief auditor
CPA/Certified Public Accountant
financial/accounting analysist
accounting service agency/firm

bank/banking/banker
credit union
branch/sub-branch/office
central bank
the People’s Bank of China
Bank of China
ICBC/Industrial and Commercial Bank
of China
ABC/Agricultural Bank of China
CBC/Construction Bank of China
BC/Bank of Communications
CMB/China Merchants Bank
China CITIC Bank
CEB/China Everbright Bank
Pudong Development Bank
CMSB/China Minsheng Banking   
Corp. Ltd
bank reserve/fund
bank reserve ratio/requirement
Postal Savings Bank

金融、财务/做金融、融资/金融、财务的
经济的、经济学的//合算的/经济学
经济师/高级经济师
经济、经济体
财务能力、背景
金融机构/金融体制
经济责任、义务
金融/货币危机
会计、会计学/会计
总会计师/高级会计师
财务专员/会计师
财务总监
首席财务官
审计/审计师
审计长
注册公共会计师
财务分析师
会计事务所

银行/银行业/银行人员
信用社
分行、分理处
中央银行
中国人民银行
中国银行
工商银行

农业银行
建设银行
交通银行
招商银行
中信银行
光大银行
浦发银行
民生银行

银行储备金/基金
银行储备金率
邮政储蓄银行

savings/trust bank
reserve bank
investment bank
opening/receiving bank
correspondent bank
bank account/holder
bank book/note/check
opening/agent bank
bank statement
balance/outstanding
save/savings/account
checking account
account No./password
pin/personal identification number
withdraw/deposit
bank/deposit slip
bank book
draft/overdraft
transaction
check/check book
traveler’s check
bounced check
bank’s check/cashier’s check
certified check
money order
banknote/paper money/bill
fake/counterfeit money
coin/metallic currency
cash/cashier
cash flow/deal
ATM/Automatic Teller’s Machine
bank card
money/cable transfer
T/T: telegraph transfer
remit/remittance/remittance fee
remitter/remittee
M/T: mail transfer
beneficiary
alipay
WeChat pay

bank teller/clerk
deposit/withdraw/fetch
interest/interest rate

存款、储蓄银行/信托银行
储备银行
投资银行
开户行/收款银行
代理银行
银行账号/账号持有人
银行存折/钞票/支票
开户行/代理行
银行报告
结算、结余/未付款
存钱/储蓄、存款/存款账号
支票账号
账号/密码
密码/个人身份号
支取、取款/存入、存款
存款单
存折
汇票/透支
交易
支票/支票簿
旅行支票
跳票
银行支票/本票
保付支票
邮政汇票
钞票/纸币
假币/伪币
硬币/金属币
现金/出纳
现金流/现金交易
自动提款机/自动柜员机
银行卡、借记卡
汇款/电汇
电汇
汇款/汇款手续费
汇款人/收款人
信汇/邮汇
受惠人、收款人
支付宝
微信支付
银行柜员/职员
存款/取款
利息/利率

monthly/annual interest
fixed/variable interest
capital plus interest

credit/credibility
trust/trustee
credit card/credit card holder
expire/expiration date
credit record/center
valid/effective
annual financial report
cost analysis/down
technical/commercial cost
cost/expenditure
capital/monetary market
loan/bank loan
borrow/lend
borrower/lender
credit/creditor
debt/debtor
own/owing
payment/make payment to
pay back/off/for
reimburse/reimbursement
pay/payer/payee
pay roll/day
payable/receivable
receive/receipt/invoice
due/due date
dead line
mature/maturity
bill/monthly payment
collect/collect agent
audit/auditor
audit agency/office
appraise/appraiser
tax/taxation
levy tax
national/local tax bureau
tax withhold/return
tax payer
sales/income tax
exempt/tax exemption
duty/duty free
duty-free shop

月息/年息
固定/可变利息
本金加利息

信用，信贷，加分
信任，信托，依靠/信托人
信用卡/信用卡持有人
截止/截止前
信用记录/信用中心
有效/有效的，生效
年度财务报告
成本分析/降低成本
技术/商业成本
成本/支出，花费，开销
资金、资本/货币市场
贷款/银行贷款
借/贷
借方/贷方
信用、信贷/信贷方，债权方
债务、欠债/债务方、负债方
欠/欠债
付款/向 。。。付款
付还、还款/付清/支付 。。。款项
报销、偿还
付款/付款人/被付款人、收款人
工资单/发工资日
应付款/应收款
收到、收款/收据/发票
支付，缴付/付款期
截止期
成熟、到期/成熟期
账单/月付款
收款/收款代理
审计/审计员、审计师
审计署、审计机构
估价/股价员
税/税务、征税
征税
国税局/地税局
预扣税/退税
负税人、纳税人
销售税/收入税、所得税
免除/免税
进口关税、海关税/免关税
免税商店

invest/investor/investment
capital/monetary market
ROI/Return on Investment/return
return rate
go to market/public
stock/stock market/equity market
stock holder/exchange
loan/loan bank/agency
private lender
lend/lender/borrow/borrower
P to P/person to person lending
interest/interest rate/fixed interest rate
mortgage/mortage loan
bond/state(government) bond
currency/foreign currency
￥/RMB/Renminbi/CHY/Chinese Yuan
$/Dollar/USD/US Dollar
Canadian dollar
Euro/Eurozone
Russia’s currency ruble
NTD/New Tanwan’s currency/New   
Tanwan Dollar
SGD/Singapore dollar
Japanese yen
HKD/Hang Kong Dollar
speculate in foreign currency
foreign currency exchange/exchange rate
US Dorlar against RMB
value/valuable
evaluate/evaluation
devaluate/devaluation
appreciate/appreciation
depreciate/depreciation
commodity futures
sell short/buy long
Administration of Exchange Control
Foreign Exchange Supervision Bureau

投资/投资人
资本/货币市场
投资回报
回报率
上市
股票/股市
股东、股民/股票交易所
贷款/贷款银行/机构
私人贷款
借（出）/借出人/借（入）/借入人
个人对个人贷款
利息/利率/固定利率
抵押/抵押贷款
债券/国库券、国债
货币/外汇
人民币/元
美元
加元
欧元/欧元区
俄币卢布
新台币

新加坡元
日元
港币元
炒汇、倒汇
外汇兑换/兑换率
美元对人民币
价值/有价值的
估价
贬值
货币升值
货币贬值
期货
买空卖空
外汇监管局