Oct 19, 2016

表達銀行相關用語














1.  銀行  bank
例:去銀行、上銀行  go to the bank
        在銀行工作  work in/at a bank
        銀行擠兌  a run on a bank
        投資銀行  investment/merchant bank
        儲蓄銀行  savings bank
        () ()   central bank    
        (補充:美國央行、聯準會  the Federal Reserve (System) = the Fed)
補充:信用合作社  credit union
            票據交換所  clearing house
2.  銀行家  banker
3.  (銀行) 行員  (bank) clerk
4.  出納員  teller = cashier
5.  () ()、理財顧問  financial adviser(=advisor)
補充:投資   invest in ~ = make an investment in ~
            (例:投資股市  invest in the stock market = make an investment in the stock market)
            投資組合  portfolio
(關於投資、股票等相關用語,詳見本部落格「表達股票相關用語」一篇。)
6.  銀行業 ()  banking
例:電子銀行業務  electronic banking (= e-banking)
        () () 業務  Internet/online banking
7.  帳戶 、戶頭  (bank) account
例:活存帳戶、支票帳戶  checking/current account
        定存帳戶  savings/deposit account
        聯合帳戶  joint account
        開立/結清帳戶  open/close an account
補充:對帳單  (bank) statement
8.  存摺  passbook
9.  ()、存款  deposit
例:存500   deposit $500 =  make a deposit of $500 = pay $500 in(to one's account) (= pay in $500)
        存款單  deposit slip = paying-in slip
        存款人、存戶、儲戶  depositor
        (公司將薪水直接存入員工戶頭中的) 薪轉  direct deposit     
比較:(一個人全部的) 存款、積蓄  savings  
            (例:動用存款  draw on one's savings)
10.  利息  interest
例:賺利息  earn interest
        付貸款利息  pay interest on a loan
        每個月的利息支出  monthly interest payments/charges
        單利  simple interest 複利  compound interest
        利率  interest/bank rate
        (例:調降/調升利率  (又稱「降息/升息」) cut/raise interest rates)
        (補充:貼現率  discount rate)
11.  ()、領 ()  withdraw
例:提領500  withdraw $500 = make a withdrawal of $500 = draw $500 out (of one's account) (= draw out $500)
        提款單  withdrawal slip
補充:提款機  ATM (= automated/automatic teller machine) = cash machine/dispenser = cashpoint = hole in the wall
            提款卡  ATM/cash(point)/bank card
            (提款機等的) 插卡處  card slot
            (提款機等的) 操作鍵盤  keypad
            (提款機) 密碼、個人身分辨識碼  PIN (= personal identification number) (number)
            銀行代碼  routing number = sort(ing) code
12.  帳戶餘額  (bank) balance
補充:(帳戶裡) 有錢  in credit = in the black
            (帳戶) 負債、赤字  in debit = in the red
13.  透支額  overdraft
例:透支  have an overdraft = be/go overdrawn
14.  ()  remit  (其名詞為  remittance (匯款 (金額))
例:用支票匯款支付  remit payment by check
補充:匯票、匯款單  money/postal order
           電匯  wire transfer
                 轉帳  transfer
                  (例:轉500元到某人的帳戶中  transfer $500 to sb's account)
                 自動轉帳、自動扣繳  direct debit
                 (例:自動扣繳電費帳單  pay one's electricity bill by direct debit)
15.  支票  check = cheque
例:開 (金額為~的) 支票  write a check (for ~) = make out a check (for ~)
        開支票給某人  write sb a check = make out a check to sb
        (在支票背面上) 簽名背書  endorse a check
        用支票付款  pay by check = pay with a check
        兌現支票  (en)cash a check
        支票跳票  a check bounces
        空頭支票  bad/dud check
        保兌支票  certified check
        旅行支票  traveler's check (= traveller's cheque)
        支票簿  checkbook (= chequebook)
        支票票根、支票存根  (check) stub = counterfoil
補充:支票是要付給某人的  a check is made payable to sb
            (尤指支票上的) 受款人、收款人  payee
            本票  promissory note
          (比較:銀行本票  cashier's check)
16.  信用卡  credit card = plastic
補充:刷卡  charge it (to/on my credit card) = pay by credit card
             你們接受刷卡嗎?、你們收信用卡嗎?  Do you accept/ take credit cards?
            持卡人  cardholder
           (信用卡) 到期日、有效期限  expiry/expiration date
         (信用卡背面的三或四位數) 安全碼   (card) security code
             盜刷  credit card fraud
             信用額度  credit line/limit = line of credit
             預借現金  cash advance
             分期付款  instal(l)ment plan = hire purchase (= HP)
            (例:分期買   buy ~ on the instal(l)ment plan = pay for ~ by/in instal(l)ments)
             信用卡對帳單  (credit card) statement
             最低應繳金額  minimum payment
             欠下數千元的卡債  run up credit card debts of thousands of dollars
           未償還的債務  outstanding debt
             債務協商  debt settlement/negotiation
             紅利點數  reward(s) point
             現金回饋  cashback
             感應式信用卡  contactless credit card
             聯名卡  co-branded card
             慈善信用卡、愛心信用卡、認同卡  affinity card
比較:(刷卡時,直接從銀行存款帳戶裡扣款的) 金融卡  debit/check card
17.  貸款  loan
例:申請貸款  apply for a loan
        發放貸款、放款  make a loan
        取得貸款  take out a loan
        清償貸款、還清貸款  repay a loan = pay off/back a loan
        學貸/車貸/房貸  student/car/home loan
        無息貸款  interest-free loan
比較:抵押貸款  mortgage
            (補充:抵押品、擔保品  collateral = security (例:抵押房子  put up one's home as collateral))
           () ()  credit
           (例:用信用貸款買某樣東西  buy sth on credit
                    六個月的免息信貸  six months' interest-free credit)
補充:貸款利率、放款利率  lending/interest rate
            (貸款或信用卡的) 年利率  APR (= annual percentage rate)
            放款人、貸方  lender 
            借款人、借方  borrower
18.  外匯 (交易所)  foreign exchange
例:透過出口所賺取的外匯  foreign exchange earned through exports
        外匯市場  foreign exchange markets
        (例:在外匯市場上  on the foreign exchange markets = on the foreign exchanges)
補充:匯率  exchange rate = rate of exchange
            (例:較好的匯率  more favorable exchange rate
                     匯率波動  fluctuations in the exchange rate
                     穩定匯率  stabilize the exchange rate)
            外幣兌換處  bureau de change
            (紙鈔、硬幣等的) 面額  denomination
          紙鈔、鈔票  bill = (bank)note
          (例:大鈔  high/large-denomination bill)
          硬幣、錢幣  coin
19.  黃金儲備  gold reserve
20.  (尤指銀行的) 金庫、保險庫  vault = strongroom
比較:保險箱  safe(ty) deposit box