专业词汇汉英部分510A5安全网safetynet按可比口径oncomparablebasis按轻重缓急toprioritize暗补implicit subsidy暗亏hiddenlossB18颁发营业执照tolicense;tograntalicenseto办理存款业务totakedeposits保护农民的生产积极性to protect farmers'incentive to produce备付金（超额准备金）excessreserves本外币并账consolidation of domesticand foreign currency accounts本外币对冲操作sterilizationoperation本位利益localizedinterest；departmentalism奔小康tostrivetoprosperto striveto become well-to-do避税（请见"逃税"）taxavoidance币种搭配不当currencymismatch币种构成currencycomposition变相社会集资disguised irregular (or illegal)fundraising表外科目（业务）off-balance-sheetitems（operation）薄弱环节weaknesses;loopholes
专业词汇 汉英部分510 Ａ 5 安全网safety net 按可比口径on comparable basis 按轻重缓急to prioritize 暗补 implicit subsidy 暗亏 hidden loss B 18 颁发营业执照to license; to grant a license to 办理存款业务to take deposits 保护农民的生产积极性 to protect farmers' incentive to produce 备付金（超额准备金）excess reserves 本外币并账 consolidation of domestic and foreign currency accounts 本外币对冲操作sterilization operation 本位利益localized interest; departmentalism 奔小康to strive to prosper to strive to become well-to-do 避税（请见"逃税"）tax avoidance 币种搭配不当currency mismatch 币种构成currency composition 变相社会集资 disguised irregular (or illegal) fund raising 表外科目（业务）off-balance-sheet items (operation) 薄弱环节weaknesses; loopholes
不变成本fixedcost不变价atconstantprice;inrealterms不动产realestate不良贷款（资产）problemloans；non-performingloans(assets)C39财务公司financecompanies财政赤字fiscaldeficit财政挤银行fiscalpressureonthecentralbank(overmonetarypolicy)财政政策与货币政策的配合coordinationof fiscal and monetary policies采取循序渐进的方法in a phasedand sequenced manner操作弹性operationalflexibility操纵汇率tomanipulateexchangerate产品构成productcomposition;productmix产品积压stockpile;excessiveinventory产销衔接marketability产业政策industrialpolicy长期国债treasurybonds散口头寸openposition炒股tospeculate inthestockmarket承购包销underwrite（securities成套机电产品completesetsofequipmentcompleteplant (s)城市信用社urbancreditcooperatives(UcCs)城市合作银行urbancooperativebanks
不变成本fixed cost 不变价at constant price; in real terms 不动产real estate 不良贷款（资产）problem loans; non-performing loans (assets) Ｃ 39 财务公司finance companies 财政赤字fiscal deficit 财政挤银行fiscal pressure on the central bank (over monetary policy) 财政政策与货币政策的配合 coordination of fiscal and monetary policies 采取循序渐进的方法 in a phased and sequenced manner 操作弹性operational flexibility 操纵汇率to manipulate exchange rate 产品构成product composition; product mix 产品积压stock pile; excessive inventory 产销衔接marketability 产业政策industrial policy 长期国债treasury bonds 敞口头寸open position 炒股 to speculate in the stock market 承购包销underwrite (securities) 成套机电产品complete sets of equipment complete plant (s) 城市信用社urban credit cooperatives (UCCs) 城市合作银行urban cooperative banks
Municipalunitedbanks城市商业银行municipalcommercial banks城乡居民收入增长超过物价涨幅realgrowthinhouseholdincome持续升温persistentoverheating重复布点duplicateprojects重置成本replacementcost重组计划restructuringplan筹资渠道fundingsources;financingchannels初见成效initialsuccess出口统一管理、归口经营canalizationofexports出口退税exporttaxrebate储蓄存款householddeposits（不完全等同于西方的savingsdeposits，前者包括活期存款，后者不包括。）储蓄分流diversionofhouseholddeposits储源萎缩decline intheavailabilityofhousehold savings传导机制transmissionmechanism从价税advaloremtax从紧控制tightcontrol存贷款比例loan/depositratio存款保险体系depositinsurancesystem存款货币银行depositmoneybanks存款准备金requiredreservesD31打白条issuelou大额存单certificateofdeposit（CD）
Municipal united banks 城市商业银行municipal commercial banks 城乡居民收入增长超过物价涨幅 real growth in household income 持续升温persistent overheating 重复布点duplicate projects 重置成本replacement cost 重组计划restructuring plan 筹资渠道funding sources; financing channels 初见成效initial success 出口统一管理、归口经营canalization of exports 出口退税export tax rebate 储蓄存款household deposits (不完全等同于西方的savings deposits, 前者包括活期存款，后 者不包括。) 储蓄分流diversion of household deposits 储源萎缩 decline in the availability of household savings 传导机制transmission mechanism 从价税ad valorem tax 从紧控制tight control 存贷款比例loan/deposit ratio 存款保险体系deposit insurance system 存款货币银行deposit money banks 存款准备金required reserves Ｄ 31 打白条issue IOU 大额存单certificate of deposit (CD)
大额提现withdrawdepositsinlargeamounts大面积滑坡wide-spreaddecline大一统的银行体制all-in-one)mono-banksystem呆账（请见"坏账"）badloans呆账准备金loanlossreserves（provisions）呆滞贷款idleloans贷款沉淀non-performingloans贷款分类loanclassification贷款限额管理creditcontrol;toimposecreditceiling贷款约束机制credit disciplinary(constraint)mechanism代理国库toactasfiscalagent代理金融机构贷款make loans on behalf of other institutions戴帽贷款ear-marked loans倒逼机制reversedtransmissionofthepressureforeasingmonetarycondition道德风险moralhazard地区差别regionaldisparity第一产业theprimaryindustry第二产业thesecondaryindustry第三产业theservice industry;the tertiaryindustry递延资产deferrableassets订货不足insufficientorders定期存款timedeposits定向募集raisingfundsfromtargetedsources东道国（请见"母国"）hostcountry独立核算independentaccounting
大额提现withdraw deposits in large amounts 大面积滑坡wide-spread decline 大一统的银行体制(all-in-one) mono-bank system 呆账（请见"坏账"）bad loans 呆账准备金loan loss reserves (provisions) 呆滞贷款idle loans 贷款沉淀non-performing loans 贷款分类loan classification 贷款限额管理credit control; to impose credit ceiling 贷款约束机制 credit disciplinary (constraint) mechanism 代理国库to act as fiscal agent 代理金融机构贷款 make loans on behalf of other institutions 戴帽贷款ear-marked loans 倒逼机制reversed transmission of the pressure for easing monetary condition 道德风险moral hazard 地区差别regional disparity 第一产业the primary industry 第二产业the secondary industry 第三产业the service industry; the tertiary industry 递延资产deferrable assets 订货不足insufficient orders 定期存款time deposits 定向募集raising funds from targeted sources 东道国（请见"母国"）host country 独立核算independent accounting
短期国债treasurybills对冲操作sterilizationoperation;hedging对非金融部门债权claimsonnon-financialsector多种所有制形式diversifiedownershipE2恶性通货膨胀hyperinflation二级市场secondarymarketF22发行货币toissuecurrency发行总股本totalstockissue法定准备金requiredreserves;reserverequirement法人股institutionalshares法人股东institutionalshareholders法治ruleoflaw房地产投资realestateinvestment放松银根toeasemonetarypolicy非现场稽核off-sitesurveillance（ormonitoring)非银行金融机构non-bankfinancialinstitutions非赢利性机构non-profitorganizations分税制assignmentofcentralandlocaltaxestax assignment system分业经营segregation offinancial business(services); division of business scope based on thetype offinancial institutions风险暴露（风险口）riskexposure风险管理riskmanagement风险意识riskawareness
短期国债treasury bills 对冲操作sterilization operation; hedging 对非金融部门债权claims on non-financial sector 多种所有制形式diversified ownership Ｅ 2 恶性通货膨胀hyperinflation 二级市场secondary market Ｆ 22 发行货币to issue currency 发行总股本total stock issue 法定准备金required reserves; reserve requirement 法人股institutional shares 法人股东institutional shareholders 法治 rule of law 房地产投资real estate investment 放松银根to ease monetary policy 非现场稽核off-site surveillance (or monitoring) 非银行金融机构non-bank financial institutions 非赢利性机构non-profit organizations 分税制assignment of central and local taxes tax assignment system 分业经营 segregation of financial business (services); division of business scope based on the type of financial institutions 风险暴露（风险敞口）risk exposure 风险管理risk management 风险意识risk awareness