【正文】
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)銀行不良資產比例過高 high ratio of nonperforming loans of the state mercial banks少數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金融資產管理公司 financial asset management panies分離和收回不良資產 substantially reduce the ratio of nonperforming assets分業(yè)管理、規(guī)模經營 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 institutions政策性銀行 state policyrelated bank國家發(fā)展銀行 State Development Bank知識經濟 knowledgebased economy網絡經濟 Internetbased networked economy指導性計劃 guidance plan社會主義市場經濟(中國) socialist market economy社會市場經濟(德國) social market economy新經濟(美國) new economy中國光大銀行 Everbright Bank of China中國民聲銀行 China Minsheng Banking Corporation Ltd.中信實業(yè)銀行 CITIC Industrial Bank中國進出口銀行 China EXIM Bank匯豐銀行 Hong Kong and Shanghai Banking Corporation (HKSBC)金融監(jiān)管 financial supervision中國人民銀行法 Law of the People’s Bank of China商業(yè)銀行法 Law of Commercial Banks保險法 Law of Insurance證券法 Law of Securities巴塞爾原則 Basel Core Principles監(jiān)管對象的行為有問題、管理機制不健全 problems of supervised entities’ behavior and the unsound internal governance mechanism風險意識 consciousness of risk prevention事前監(jiān)管 proactive regulation and supervisionaccount number 帳目編號depositor 存戶payin slip 存款單a deposit form 存款單a banding machine 自動存取機to deposit 存款deposit receipt 存款收據private deposits 私人存款certificate of deposit 存單deposit book, passbook 存折credit card 信用卡principal 本金overdraft, overdraw 透支to counter sign 雙簽to endorse 背書endorser 背書人to cash 兌現to honor a check 兌付to dishonor a check 拒付to suspend payment 止付check 支票check book 支票本order check 記名支票bearer check 不記名支票crossed check 橫線支票blank check 空白支票rubber check 空頭支票check stub, counterfoil 票根cash check 現金支票traveler39。s confidence in the future needs鼓勵增加即期消費 encourage more immediate consumption長期國債 longterm treasury bonds支付國債利息 to service treasury bonds財政赤字和債務 deficits and the national debt按原口徑計算 calculate on the base line按不變價格計算 calculate at constant price按可比價格計算 calculate at parable price列入財政預算支出 listed in the fiscal budget結售匯制度 the system of exchange, settlement and sales經常項目順差 favorable balance of current account, surplus of current account開辦人