【正文】 China招商銀行 China Merchants Bank疲軟股票 soft stock配股 allotment of shares實際增長率 growth rate in real terms年均增長率 average growth rate per annum投資回報率 rate of return on investment外貿(mào)進出口總額 total foreign trade value實際利用外資 ining overseas capital (investment) in place消費價格指數(shù) consumer price index (CPI)零售價格指數(shù) retail price index （RPI）生活費用價格總指數(shù) total price index of living cost生活費用 ine available for living expenses扣除物價因素 in real terms / on inflationadjusted basis居民儲蓄存款 residents’ bank savings deposit恩格爾系數(shù)（食品開支占總支出的比例） Engel coefficient基尼系數(shù)（衡量地區(qū)差別） Gini coefficient購買力平價法 purchasing power parity (PPP) （衡量使用不同貨幣的兩個國家或地區(qū)的經(jīng)濟水平、收入水平的一種計算法，用相等的匯率比較兩種貨幣各自的國內購買力）片面追求發(fā)展速度 excessive pursuit of growth泡沫經(jīng)濟 bubble economy 經(jīng)濟過熱 overheating of econom通貨膨脹 inflation實體經(jīng)濟 the real economy經(jīng)濟規(guī)律 laws of economics市場調節(jié) market regulation優(yōu)化資源配置 optimize allocation of resources規(guī)模經(jīng)營優(yōu)勢 advantage of economies of scale勞動密集型 labor intensive市場風險 market risk收緊銀根 tighten up monetary policy適度從緊的財政政策 moderately tight fiscal policy信用緊縮 credit crunch加強國有商業(yè)銀行內部資金調度 In state mercial banks, internal capital allocation should be improved.合理劃分貸款審批權限 Limits of authority for examining and approving loans should be rationally defined.保證有市場、有效益、守信用企業(yè)的流動資金貸款 ensure floating capital loans for wellperforming and trustworthy enterprises which turn out the right products for the right markets啟動民間投資 attract investment from the private sector適銷對路的產(chǎn)品 the right products / readily marketable products國有企業(yè) stateowned enterprises (SOEs)集體企業(yè) collectivelyowned (partnership) enterprises私營企業(yè) private businesses民營企業(yè) privatelyrun businesses中小企業(yè) smallandmediumsized enterprises三資企業(yè)（中外合資、中外合作、外商獨資） overseasinvested enterprises。 deepen one’s mitment to reform配套改革 supporting (conitant) reforms配套資金 counterpart funds。 be insolvent亞洲金融危機 Asian financial crisis (199798)投資（貸款）組合 investment (loan) portfolio外匯儲備充足 sufficient foreign exchange reserves中國金融業(yè)問題 problems with financial sector in China儲蓄比例過高 the excessively large proportion of savings in the money supply國有企業(yè)產(chǎn)負債率過高 high leverage ratio of the stateowned enterprises,國有獨資商業(yè)銀行不良資產(chǎn)比例過高 high ratio of nonperforming loans of the state mercial banks少數(shù)中小存款金融機構不能支付到期債務 insolvency of a handful of small and mediumsized financial institutions不良貸款 nonperforming loans防范和化解金融風險 address financial risks提高企業(yè)借貸和行使民事責任的能力 improve enterprises’ creditworthiness and ability to fulfil their civil liabilities監(jiān)事會 supervisory board實行謹慎會計制度 adopt prudential accounting standards五級分類法劃分貸款質量 the fivecategory asset classification approach金融資產(chǎn)管理公司 financial asset management panies分離和收回不良資產(chǎn) substantially reduce the ratio of nonperforming assets分業(yè)管理、規(guī)模經(jīng)營 business segregation, economy of scale規(guī)范金融機構市場退出制度 improve the market exit mechanism for financial insti