第一篇：常用金融英語(yǔ)詞匯內(nèi)容的詳細(xì)解析

常用金融英語(yǔ)詞匯內(nèi)容的詳細(xì)解析

常用金融英語(yǔ)詞匯內(nèi)容的詳細(xì)解析正如下文所示，大家在意識(shí)到了以后，自己才會(huì)更好的把握這些相關(guān)的知識(shí)，自己的英語(yǔ)程度也會(huì)更加的理想化。許多的朋友也正是注意到了這些，自己的英語(yǔ)水平才得到了保障，美聯(lián)英語(yǔ)學(xué)習(xí)網(wǎng)建議大家都好好把握吧。常用金融英語(yǔ)詞匯內(nèi)容如下：

Bookbuilding 建立投資者購(gòu)股意愿檔案

包銷商用以定價(jià)一筆發(fā)行的方法。包銷商在促銷活動(dòng)結(jié)束后把所收集的初步購(gòu)股訂單一一記下，然后根據(jù)投資者愿意支付的價(jià)格水平訂定最終發(fā)行價(jià)。

Bookrunner 投資意愿建檔人；帳簿管理人

指負(fù)責(zé)為發(fā)行建立投資者購(gòu)股意愿檔案的銀行，亦即負(fù)責(zé)為一筆發(fā)行組織承銷、擬定不同市場(chǎng)的發(fā)行規(guī)模、執(zhí)行促銷活動(dòng)、定價(jià)、配置和后市穩(wěn)定工作的銀行。

大部份預(yù)托收據(jù)為ADR；但也可以指全球預(yù)托收（GDR），歐洲預(yù)托收據(jù)（EDR）或國(guó)際預(yù)托收據(jù)（IDR）。

Coupon frequency 派息頻率

Due diligence 盡職調(diào)查

指為了達(dá)成承銷一筆證券發(fā)行的目的，針對(duì)某公司或企業(yè)的業(yè)務(wù)、財(cái)務(wù)狀況和前景而進(jìn)行的一個(gè)全面的調(diào)查。盡職調(diào)查一般可分為業(yè)務(wù)盡職調(diào)查和法律盡職調(diào)查兩類。

常用金融英語(yǔ)詞匯內(nèi)容的詳細(xì)解析正如上面的文章所示，大家在看過(guò)了這些內(nèi)容后，自己就可以把這些相關(guān)的學(xué)習(xí)方式全面的理清，當(dāng)有了這些了解后，我們的金融英語(yǔ)也一定有了學(xué)習(xí)方向，慢慢的就得到了很好的英語(yǔ)能力了。

第二篇：金融英語(yǔ)詞匯

big macs, big/large-cap stock, mega-issue 大盤(pán)股 offering, listing 上市 bourse 證交所

corporate champion 龍頭企業(yè)

entrepreneur 企業(yè)家 cook the book 做假帳

regulatory system 監(jiān)管體系 portfolio 投資組合

pickup in rice 物價(jià)上漲 Federal Reserve 美聯(lián)儲(chǔ) inflation 通貨膨脹 deflation 通貨緊縮

Shanghai Exchange 上海證交所

pension fund 養(yǎng)老基金

mutual fund 共同基金

hedge mutual fund 對(duì)沖式共同基金

share 股票

valuation 股價(jià)

underwriter 保險(xiǎn)商

government bond 政府債券

saving account 儲(chǔ)蓄帳戶

equity market 股市

shareholder 股東

delist 摘牌

mongey-loser 虧損企業(yè)

inventory 存貨

traded company, trading enterprise 上市公司

stakeholder 利益相關(guān)者

transparency 透明度

market fundamentalist 市場(chǎng)經(jīng)濟(jì)基本規(guī)則

damage-control machinery 安全顧問(wèn)

efficient market 有效市場(chǎng)

intellectual property 知識(shí)產(chǎn)權(quán)

opportunistic practice 投機(jī)行為

money-market 短期資本市場(chǎng)

capital-market 長(zhǎng)期資本市場(chǎng)

volatility 波動(dòng)

diversification 多元化

real estate 房地產(chǎn)

option 期權(quán)

call option 看漲期權(quán)

put option 看跌期權(quán)

merger 并購(gòu)

arbitrage 套利

dollar standard 美元本位制

budget 預(yù)算

deficit 赤字

bad debt 壞帳

macroeconomic 宏觀經(jīng)濟(jì)

fiscal stimulus 財(cái)政刺激

a store of value 保值

transaction currency 結(jié)算貨幣

forward exchange 期貨交易

intervention currency 干預(yù)貨幣

Treasury bond 財(cái)政部公債 current-account 經(jīng)常項(xiàng)目

tighter credit 緊縮信貸 monetary policy 貨幣政策 foreign exchange 外匯 spot transaction 即期交易 forward transaction 遠(yuǎn)期交易

option forward transaction 擇期交易 swap transaction 調(diào)期交易 quote 報(bào)價(jià)

settlement and delivery 交割 buying rate 買(mǎi)入價(jià) selling rate 賣(mài)出價(jià) spread 差幅 contract 合同 at par平價(jià) premium 升水 discount 貼水

direct quotation method 直接報(bào)價(jià)法 indirect quotation method 間接報(bào)價(jià)法 dividend 股息

domestic currency 本幣 floating rate 浮動(dòng)利率 parent company 母公司

credit swap 互惠貸款

venture capital 風(fēng)險(xiǎn)資本

book value 帳面價(jià)值

physical capital 實(shí)際資本

IPO(initial public offering)新股首發(fā)；首次公開(kāi)發(fā)行

Securities and Exchange Commission 〈美〉證券交易委員會(huì)

job machine 就業(yè)市場(chǎng)

welfare capitalism 福利資本主義

collective market cap 市場(chǎng)資本總值

global corporation 跨國(guó)公司

transnational status 跨國(guó)優(yōu)勢(shì)

transfer price 轉(zhuǎn)讓價(jià)格

consolidation 兼并

leverage 杠桿

Federal Reserve 美聯(lián)儲(chǔ)

financial turmoil/meltdown 金融危機(jī)

file for bankruptcy 申請(qǐng)破產(chǎn)

bailout 救助

take over 收購(gòu)

buy out 購(gòu)買(mǎi)(某人的)產(chǎn)權(quán)或全部貨物

go under 破產(chǎn)

take a nosedive（股市）大跌

tumble 下跌

falter 搖搖欲墜

on the hook 被套住

shore up confidence 提振市場(chǎng)信心

stave off 擋開(kāi), 避開(kāi)，liquidate assets 資產(chǎn)清算

at fire sale prices 超低價(jià)

sell-off 證券的跌價(jià)

current deposit, current account 活期存款 fixed deposit, fixed account 定期存款 fixed deposit by installments 零存整取 joint account 聯(lián)名存款帳戶 to open an account 開(kāi)戶頭

to close an account, to clear an account 結(jié)清 to draw money 取款 drawing-out slip 取款單 the number slip 號(hào)碼牌 a withdrawal form 取款單

to fill in the receipt in duplicate 一式兩份填這張收據(jù)

teller, cashier 出納員

exchange table, conversion table 匯兌換算表 foreign exchange 外匯 exchange rate 外匯率 conversion rate 折合率

foreign exchange restriction 外匯限額

foreign exchange quotations 外匯行情 to check the rate for sb.查牌價(jià) currency, money 貨幣 money changing 兌換貨幣 an exchange form 兌換單 bank note 鈔票

note of large denomination 大票 note of small denomination 小票 small change 零錢(qián) subsidiary money 輔幣 nickel piece 鎳幣

plastic currency notes 塑料鈔票

convertible money 可兌換（黃金）紙幣

interest rate 利率 simple interest 單利 compound interest 復(fù)利 legal interest 法定利息 prime rate 優(yōu)待利率 payable interest 應(yīng)付利息 lending rate 貸款利率 usury 高利貸

the subsidy rate for value-preserved savings 保值儲(chǔ)蓄補(bǔ)貼率

account number 帳目編號(hào) depositor 存戶 pay-in slip 存款單 a deposit form 存款單 a banding machine 自動(dòng)存取機(jī) to deposit 存款 deposit receipt 存款收據(jù) 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(shū) endorser 背書(shū)人 to cash 兌現(xiàn)

to honor a cheque 兌付 to dishonor a cheque 拒付 to suspend payment 止付 cheque,check 支票 cheque book 支票本 order cheque 記名支票 bearer cheque 不記名支票 crossed cheque 橫線支票 blank cheque 空白支票 rubber cheque 空頭支票

cheque stub, counterfoil 票根

cash cheque 現(xiàn)金支票

traveler’’s cheque 旅行支票

cheque for transfer 轉(zhuǎn)帳支票

outstanding cheque 未付支票

canceled cheque 已付支票

forged cheque 偽支票

Bandar’s note 莊票，銀票

相關(guān)詞匯補(bǔ)充

banker 銀行家

president 行長(zhǎng)

savings bank 儲(chǔ)蓄銀行

Chase Bank 大通銀行

National City Bank of New York 花旗銀行

Hongkong Shanghai Banking Corporation 匯豐銀行

Chartered Bank of India, Australia and China 麥加利銀行

Banque de I’’IndoChine 東方匯理銀行

central bank, national bank, banker’’s bank 中央銀行

bank of issue, bank of circulation 發(fā)行幣銀行

commercial bank 商業(yè)銀行，儲(chǔ)蓄信貸銀行

member bank, credit bank 儲(chǔ)蓄信貸銀行

discount bank 貼現(xiàn)銀行

exchange bank 匯兌銀行

requesting bank 委托開(kāi)證銀行

issuing bank, opening bank 開(kāi)證銀行

advising bank, notifying bank 通知銀行

negotiation bank 議付銀行

confirming bank 保兌銀行

paying bank 付款銀行

associate banker of collection 代收銀行

consigned banker of collection 委托銀行

clearing bank 清算銀行

local bank 本地銀行

domestic bank 國(guó)內(nèi)銀行

overseas bank 國(guó)外銀行

unincorporated bank 錢(qián)莊

branch bank 銀行分行

trustee savings bank 信托儲(chǔ)蓄銀行

trust company 信托公司

financial trust 金融信托公司

unit trust 信托投資公司

trust institution 銀行的信托部

credit department 銀行的信用部

commercial credit company(discount company)商業(yè)信貸公司（貼止荊?br >neighborhood savings bank, bank of deposit 街道儲(chǔ)蓄所

credit union 合作銀行

credit bureau 商業(yè)興信所

self-service bank 無(wú)人銀行

land bank 土地銀行

construction bank 建設(shè)銀行

industrial and commercial bank 工商銀行

bank of communications 交通銀行

mutual savings bank 互助儲(chǔ)蓄銀行

post office savings bank 郵局儲(chǔ)蓄銀行

mortgage bank, building society 抵押銀行

industrial bank 實(shí)業(yè)銀行

home loan bank 家宅貸款銀行

reserve bank 準(zhǔn)備銀行

chartered bank 特許銀行

corresponding bank 往來(lái)銀行

merchant bank, accepting bank 承兌銀行

investment bank 投資銀行

import and export bank(EXIMBANK)進(jìn)出口銀行

joint venture bank 合資銀行

money shop, native bank 錢(qián)莊

credit cooperatives 信用社

clearing house 票據(jù)交換所

public accounting 公共會(huì)計(jì)

business accounting 商業(yè)會(huì)計(jì)

cost accounting 成本會(huì)計(jì)

depreciation accounting 折舊會(huì)計(jì)

computerized accounting 電腦化會(huì)計(jì)

general ledger 總帳

subsidiary ledger 分戶帳

cash book 現(xiàn)金出納帳

cash account 現(xiàn)金帳

journal, day-book 日記帳，流水帳

bad debts 壞帳

investment 投資

surplus 結(jié)余

idle capital 游資

economic cycle 經(jīng)濟(jì)周期

economic boom 經(jīng)濟(jì)繁榮

economic recession 經(jīng)濟(jì)衰退

economic depression 經(jīng)濟(jì)蕭條

economic crisis 經(jīng)濟(jì)危機(jī)

economic recovery 經(jīng)濟(jì)復(fù)蘇

inflation 通貨膨脹

deflation 通貨收縮

devaluation 貨幣貶值

revaluation 貨幣增值

international balance of payment 國(guó)際收支

favourable balance 順差

adverse balance 逆差

hard currency 硬通貨

soft currency 軟通貨

international monetary system 國(guó)際貨幣制度

the purchasing power of money 貨幣購(gòu)買(mǎi)力

money in circulation 貨幣流通量

note issue 紙幣發(fā)行量

national budget 國(guó)家預(yù)算

national gross product 國(guó)民生產(chǎn)總值

public bond 公債

stock, share 股票

debenture 債券

treasury bill 國(guó)庫(kù)券

debt chain 債務(wù)鏈

direct exchange 直接（對(duì)角）套匯

indirect exchange 間接（三角）套匯

cross rate, arbitrage rate 套匯匯率

foreign currency(exchange)reserve 外匯儲(chǔ)備

foreign exchange fluctuation 外匯波動(dòng)

foreign exchange crisis 外匯危機(jī)

discount 貼現(xiàn)

discount rate, bank rate 貼現(xiàn)率

gold reserve 黃金儲(chǔ)備

money(financial)market 金融市場(chǎng)

stock exchange 股票交易所

broker 經(jīng)紀(jì)人

commission 傭金

bookkeeping 簿記

bookkeeper 簿記員

an application form 申請(qǐng)單

bank statement 對(duì)帳單

letter of credit 信用證

strong room, vault 保險(xiǎn)庫(kù)

equitable tax system 等價(jià)稅則

specimen signature 簽字式樣

banking hours, business hours 營(yíng)業(yè)時(shí)間 1.素質(zhì)教育 ：Quality Education

2.EQ：分兩種，一種為教育商數(shù)Educational quotient，另一種情感商數(shù)Emotional quotient

3.保險(xiǎn)業(yè)： the insurance industry

4.保證重點(diǎn)指出： ensure funding for priority areas

5.補(bǔ)發(fā)拖欠的養(yǎng)老金： clear up pension payments in arrears

6.不良貸款： non-performing loan

7.層層轉(zhuǎn)包和違法分包： mutlti-level contracting and illegal subcontracting

8.城鄉(xiāng)信用社： credit cooperative in both urban and rural areas

9.城鎮(zhèn)居民最低生活保障： a minimum standard of living for city residents

10.城鎮(zhèn)職工醫(yī)療保障制度： the system of medical insurance for urban workers

11.出口信貸： export credit

12.貸款質(zhì)量： loan quality

13.貸款質(zhì)量五級(jí)分類辦法： the

five-category assets classification for bank loans

14.防范和化解金融風(fēng)險(xiǎn)： take precautions against and reduce financial risks

15.防洪工程： flood-prevention project

16.非法外匯交易 ： illegal foreign exchange transaction

17.非貿(mào)易收匯： foreign exchange earnings through nontrade channels

18.非銀行金融機(jī)構(gòu)： non-bank financial institutions

19.費(fèi)改稅： transform administrative fees into taxes

20.跟蹤審計(jì)： follow-up auditing

21.工程監(jiān)理制度： the monitoring system for projects

22.國(guó)有資產(chǎn)安全： the safety of state-owned assets

23.過(guò)度開(kāi)墾 ： excess reclamation

24.合同管理制度： the contract system for governing projects

25.積極的財(cái)政政策 ： pro-active fiscal policy

26.基本生活費(fèi)： basic allowance

27.解除勞動(dòng)關(guān)系： sever labor relation

28.金融監(jiān)管責(zé)任制： the responsibility system for financial supervision

29.經(jīng)濟(jì)安全： economic security

30.靠擴(kuò)大財(cái)政赤字搞建設(shè)： to increase the deficit to spend more on development

31.擴(kuò)大國(guó)內(nèi)需求 ： the expansion of domestic demand

32.拉動(dòng)經(jīng)濟(jì)增長(zhǎng)： fuel economic growth

33.糧食倉(cāng)庫(kù)： grain depot

34.糧食收購(gòu)企業(yè)： grain collection and storage enterprise

35.糧食收購(gòu)資金實(shí)行封閉運(yùn)行： closed operation of grain purchase funds

36.糧食銷售市場(chǎng)： grain sales market

37.劣質(zhì)工程： shoddy engineering

38.亂收費(fèi)、亂攤派、亂罰款： arbitrary charges，fund-raising，quotas and fines

39.騙匯、逃匯、套匯： obtain foreign currency under false pretenses，not turn over foreign owed to the government and illegal arbitrage

40.融資渠道： financing channels

41.商業(yè)信貸原則： the principles for commercial credit

42.社會(huì)保險(xiǎn)機(jī)構(gòu)： social security institution

43.失業(yè)保險(xiǎn)金： unemployment insurance benefits

44.偷稅、騙稅、逃稅、抗稅： tax evasion，tax fraud and refusal to pay taxes 45.外匯收支： foreign exchange revenue and spending

46.安居工程： housing project for low-income urban residents

47.信息化： information-based； informationization

48.智力密集型： concentration of brain power； knowledge-intensive

49.外資企業(yè)： overseas-funded enterprises

50.下崗職工： laid-off workers

51.分流： reposition of redundant personnel

52.素質(zhì)教育： education for all-round development

53.豆腐渣工程： jerry-built projects

54.社會(huì)治安情況： law-and-order situation

55.民族國(guó)家： nation state

56.“臺(tái)獨(dú)”： “independence of Taiwan”

57.臺(tái)灣當(dāng)局： Taiwan authorities

58.臺(tái)灣同胞 ： Taiwan compatriots

59.臺(tái)灣是中國(guó)領(lǐng)土不可分割的一部分：Taiwan is an inalienable part of the Chinese territory.60.西部大開(kāi)發(fā) ： Development of the West Regions

61.可持續(xù)性發(fā)展： sustainable development

62.風(fēng)險(xiǎn)投資 ： risk investment

63.通貨緊縮 ： deflation

64.擴(kuò)大內(nèi)需 ： to expand domestic demand

65.計(jì)算機(jī)輔助教學(xué)： computer-assisted instruction（CAI）

66.網(wǎng)絡(luò)空間： cyberspace

67.虛擬現(xiàn)實(shí)： virtual reality

68.網(wǎng)民 ： netizen（net citizen）

69.電腦犯罪 ： computer crime

70.電子商務(wù)： the e-business

71.網(wǎng)上購(gòu)物 ： shopping online

72.應(yīng)試教育： exam-oriented education

73.學(xué)生減負(fù) ： to reduce study load

74.“厄爾尼諾”：（EL Nino）

75.“拉尼娜”：（La Nina）

76.“智商”：（IQ）

77.“情商”：（EQ）

78.“第三產(chǎn)業(yè)”：（third/tertiary industry，service sector，third sequence of enterprises）

79.“第四產(chǎn)業(yè)”：（quaternary/information industry）

80.“軍嫂”：（military spouse）

81.“峰會(huì)”（香港譯“極峰會(huì)議”）“：summit（conference）

82.“克隆”：clone

83.“冰毒”：ice

84.“搖頭丸”：dancing outreach

85.“傳銷”：multi level marketing

86.“（計(jì)算機(jī)）2000年問(wèn)題”：Y2K problem（y for year，k for kilo or thousand）

87.“白皮書(shū)”：white paper（不是white cover book）

88.“傻瓜相機(jī)”：Instamatic（商標(biāo)名，焦距、鏡頭均固定，被稱為foolproof相機(jī)）；

89.“白條”：IOU note（IOU：債款、債務(wù)，由I owe you 的讀音縮略轉(zhuǎn)義而來(lái)）90.“巡回招聘”：milk round（一種招聘畢業(yè)生的方式，大公司走訪各大學(xué)及學(xué)院，向求職者介紹本公司情況并與報(bào)名者晤談）。

91.“減員增效”：increase efficiency by downsizing staff；

92.“抓大放小”：manage large enterprises well while ease control over small ones；

93.“市政府要辦的X件實(shí)事”：x major projects that should be given top priority as designated on the municipal government's working agenda；

94.“兩個(gè)基本點(diǎn)”：two focal points，two of the major points of the line set by

the 13th Congress of the CPC，I.e.upholding the four cardinal principles and the policies reform，opening to the outside world and invigorating domestic economy.95.“投資熱點(diǎn)”：a region attractive to investors，a much sought piece of hand，popular investment spot

96.“移動(dòng)電話”：本系cellular（有時(shí)簡(jiǎn)作cel）或mobile（tele）phone

97.“三角債”：chain debts或debt chains

98.“拳頭產(chǎn)品”：knockout product

99.“投訴熱線”：dial-a-cheat confidential hotline（打電話告訴一件欺詐事件）

100.“三通”的現(xiàn)譯文three links：link of trade，travel and post

101.“外資”：overseas investments

102.“開(kāi)放”：open to the outside world

103.“聯(lián)防”：community/team policing（一種由警察和轄區(qū)居民共同參與的治安管理）

104.“三陪服務(wù)”：escort services（陪伴服務(wù)）。

105.“五講四美”：five stresses and four points of beauty

106.“暴利”：

excessive/extravagant/exorbitant/sudden huge profit（windfall profit也好）

107.“暴發(fā)戶”：upstart，parvenu，noov（e），nouveau riche（new rich），jumped-up people（口語(yǔ)）

108.“快餐”：snack（food），quick meal，fast（food，meal），takeaway，carryout，MRE（meals ready to eat）“一次（性/用）”

109.一次處理：single/primary treatment；

110.一次污染：primary pollution；

111.一次凍透：straight；freezing；

112.一次空氣：fresh/primary air；

113.一次爆破：one pull；

114.一次付清： pay in full；

115.一次消費(fèi)：one-time-consumption；

116.一次誤差：first-order error；

117.一次成像照片：a Polaroid picture；

118.一次償還信貸： non-installment；

119.一次性杯子：sanitary cup；

120.一次性筷子：disposable chopsticks；

121.一次性收入：lump-sum payment；

122.一次用包裝：non-returnable container；

123.一次用相機(jī)：single-use camera

124.西部開(kāi)發(fā)：Develop Western Regions

125.假日經(jīng)濟(jì)：Holiday Economy

126.手機(jī)的利與弊：Advantages and Disadvantages of the Cell Phone

127.傳呼機(jī)不久將會(huì)被淘汰嗎？：Can Beepers Be Soon Out of Use？

128.電腦病毒：Computer Viruses

129.網(wǎng)上犯罪：Cyber Crimes

130.旅游熱：Tourism Wave

131.打拐：Cracking Down on the Abduction of Women and Children

132.反毒斗爭(zhēng)：Anti-drug Battle

133.黑客：Hackers

134.減負(fù)：Reduction of Students' Study Load

135.中國(guó)加入世貿(mào)組織：China's Entry into the WTO 136.沙塵暴：Sandstorms

137.告別1999：Farewell to the Special Year 1999

138.千年蟲(chóng)：The Millennium Bug

139.千禧年的夢(mèng)想：My Millennium Dreams

140.擁抱新千年：Embracing the New Millennium

141.網(wǎng)上購(gòu)物：Shopping on the Net

142.參考書(shū)的負(fù)面效應(yīng)：My View on the Negative Effects of Reference Books

143.因特網(wǎng)的利與弊：Positive and Negative Aspects of Internet

144.人類第一張基因草圖的意義：The Significance of the First Working Draft of Human Genome Map

145.高校合并：The Merging of Universities

146.網(wǎng)上求職：Hunting for A Job on Internet

147.何為新世紀(jì)的好老師？：What Is a Good Teacher in the Next Century？

148.中國(guó)的外資：China's foreign Investment

149.中國(guó)的人才流失：The Talent Flight in China

150.性教育：Sex Education

151.明天的因特網(wǎng)：The Future Tomorrows Internet

152.課堂是以教師為中心還是以學(xué)生為中心？：A Teacher-centered Class or A Student-centered Class？

153.現(xiàn)有的考試制度的利與弊：The Positive and Negative Aspects of Exams and the Existing Examination System

154.中國(guó)的因特網(wǎng)：Internet in China

155.中國(guó)的電腦：Computers in China

156.中國(guó)的大學(xué)英語(yǔ)教學(xué)：College English Teaching in China

157.新的收費(fèi)政策把學(xué)生拒之門(mén)外了嗎？：Does New Tuition Policy Keep Students Away？

158.家教的利與弊：Positive and Negative Aspects of Home Tutoring

159.教師，國(guó)家的未來(lái)：Teachers，A Nation's Future

160.電子詞典：Electronic Dictionaries

161.教育應(yīng)是應(yīng)試教育還是素質(zhì)教育：Education： Examination-oriented or

Quality-oriented

162.提倡創(chuàng)新精神：Develop Our Creative Mind

163.計(jì)算機(jī)輔助教學(xué)：CAI/Computer Assisted Instruction

164.自動(dòng)取款機(jī)的利與弊：Advantages and Disadvantages of the ATM

165.展望廿一世紀(jì)：Looking Forward to the 21st Century

166.盜版問(wèn)題：Problem of Piracy

167.學(xué)會(huì)如何學(xué)習(xí)：Learn How to Learn

168.假文憑：Fake Diplomas

169.書(shū)的不良影響：My View on the Negative Effects of Books

170.人們?yōu)槭裁礋嶂杂诿势保浚篧hy Do People Like to Try Their Luck on Lottery？

171.兼職工作：My View on a Part-time Job

172.無(wú)償獻(xiàn)血：Blood Donation without Repayment

173.留學(xué)海外：Studying Abroad

174.發(fā)展經(jīng)濟(jì)還是保護(hù)環(huán)境？：Developing Economy or Protecting the Environment？

175.電子郵件：The Internet E-mail

176.擁抱知識(shí)經(jīng)濟(jì)的新時(shí)代：Embracing the Knowledge Economy Age

177.努力更新知識(shí)：Trying to Renew Knowledge

178.深化（中國(guó)的）改革：Deepen China's Internet?

183．廿一世紀(jì)的青年人：The Youth and the Reform

181．大學(xué)英語(yǔ)考試：College English Test 21st Century

179．因特網(wǎng)的利與弊：The Advantages and 182．大學(xué)英語(yǔ)四、六級(jí)考試有必要嗎？：

Disadvantages of Internet

Is the College English Test Band 4/Band 6

180．我們需要因特網(wǎng)嗎？：Do We Need Necessary? What kind of account did you have in your mind? 你想開(kāi)哪種帳戶? Do you like to open a current account? 你想開(kāi)一個(gè)活期存款帳戶嗎? A deposit or current account? 定期還是活期? Please tell me how you would like to deposit your money.請(qǐng)告訴我你想存何種戶頭? There's a service charge for the checking account but no charge for the savings.支票戶頭要收服務(wù)費(fèi)，現(xiàn)金戶頭不收。

Our minimum deposit for a savings account is 100 dollars.我們儲(chǔ)蓄存款的最低存款額是100美圓。

Five yuan is the minimum original deposit.最低起存款額是5元。

You can open a savings account at any time with an initial deposit of 50 dollars.你可隨時(shí)以50美圓的起存額開(kāi)立儲(chǔ)蓄帳戶。Even one yuan is all right.甚至一元也可以起存。

Here is your passbook.Please bring it back when you deposit or withdraw money any time you like.Keep it well and inform us whenever you lose it.9

這是你的存折，存取款時(shí)請(qǐng)帶來(lái)。保管好存折，遺失請(qǐng)告訴我們。

I should like to open a current account.我想開(kāi)一個(gè)活期存款帳戶。

I need a checking account so that I can pay my bill.我需開(kāi)個(gè)支票帳戶，這樣就能付帳。

We''d like to know how we open a checking-savings account.我們想知道如何開(kāi)一個(gè)支票儲(chǔ)蓄帳戶。

I have a checking account here.我在這里有一個(gè)支票存款帳戶。

I think I''d like a deposit account.我想要開(kāi)個(gè)定期存款帳戶。

Can I open a current account here?

我能否在這兒開(kāi)個(gè)活期存款帳戶？

I want to open a deposit account with you.我要開(kāi)個(gè)儲(chǔ)蓄帳戶。

I''d like to open a deposit account with you.我想在你們這兒開(kāi)個(gè)定期存款帳戶。

Could you tell me the difference between a savings account and a checking account? 請(qǐng)告訴我儲(chǔ)蓄存款與支票存款的區(qū)別好嗎？

Please tell me the procedure for opening a savings account.請(qǐng)告訴我開(kāi)個(gè)儲(chǔ)蓄帳戶需要什么手續(xù)。

Will 100 yuan be enough for a minimum deposit?

100元作最低存款額夠嗎？

I''d like to know whether a 200 yuan deposit will be enough for opening a checking account.我想知道開(kāi)一個(gè)支票帳戶200元存款是否夠。

Could you tell me how to operate this account? 10

請(qǐng)告訴我如何經(jīng)管這個(gè)帳戶好嗎？

Is there any minimum for the first deposit?

第一次儲(chǔ)蓄有最低限額嗎？

How much does each account cost?

每個(gè)帳戶要花多少錢(qián)？

I’d like to know if I can draw on my account for payment of things I buy in Tianjin.我想知道一下我是否能提取存款來(lái)支付天津購(gòu)物的費(fèi)用。

I want to withdraw 200 dollars from my deposit account.我要從我的定期存款中支取200美圓。

I want to close my account with you.我想結(jié)束在你們這兒的帳戶。

I’’d like to draw 100 yuan against this letter of credit.我想從這份信用證上提款100元。

May I draw money against the letter of credit here?

我可以在這兒用這份信用證取錢(qián)嗎？

Could you tell me my balance?

能否把存款結(jié)余金額告訴我？

Please let me know my balance.請(qǐng)告訴我結(jié)余金額。

I think you can draw on this account by cheque in payment of goods.我以為你可用支票提款支付購(gòu)物費(fèi)用。

Your balance at the bank is 300 yuan.你在本行的結(jié)余是300元。

Your deposit is exhausted.你的存款支凈了。

Your letter of credit is used up.你的信用證用完了。

Please tell me how you wish to draw your money.請(qǐng)告訴我你希望怎樣支款。

Fill our a withdrawal form, please.請(qǐng)?zhí)顚?xiě)取款單。

The letter of credit is exhausted.信用證上的款子已提清。

The letter at Counter 6 will pay you against your number slip.六號(hào)柜臺(tái)的出納員將根據(jù)你的號(hào)碼牌付給你錢(qián)。

Tell me the current rate for RMB, please.請(qǐng)告訴我人民幣的現(xiàn)價(jià)。

What''s your selling rate for RMB yuan in notes today?

你們今天人民幣現(xiàn)鈔的售價(jià)是多少？

What''s the dollar going for today?

美圓今天的售價(jià)是多少？

Our buying rate for notes is 523 yuan for 100 dollars.我們100美圓的現(xiàn)鈔買(mǎi)入價(jià)是523元。

It''s 200 French francs at today''s selling rate.今天的賣(mài)出價(jià)是200法國(guó)法郎。

The buying rate of U.S.dollar notes is 460 yuan per hundred dollars.美圓現(xiàn)鈔買(mǎi)入價(jià)是100美圓付460元。

Useful Phrases

buying rate 買(mǎi)進(jìn)價(jià)格

selling rate 賣(mài)出價(jià)格

And how much will it be in Japanese currency?

換成日本幣是多少？

How much would I get for 300 Japanese yen?

300日?qǐng)A可兌換多少錢(qián)？

I''d like to know the exchange rate for German marks.我想知道德國(guó)馬克的兌換率。

What rate are you giving?

你們提供的兌換率是多少？

What''s the exchange rate today?

今天的兌換率是多少？

Please tell me what you would give me for my U.S.dollars.請(qǐng)告訴我這些美圓可以兌換多少錢(qián)。

Please tell me the current rate for sterling.請(qǐng)告訴我英國(guó)貨幣的現(xiàn)行兌換率。

If you''ll wait a moment, I''ll find out the rates of exchange.請(qǐng)等一會(huì)兒，我查一下兌換率。

Please wait a moment.I''ll find out the exchange rate between U.S.dollars and RMB.請(qǐng)等一會(huì)兒，我查一下美圓對(duì)人民幣的兌換率。

It''s 470 yuan for 100 dollars.100美圓可兌470元。

The exchange rate today is 200 yen to the pound.今天的兌換率是一英鎊可兌200日?qǐng)A。

The rate for traveler''s cheques is 300 yuan against 100 dollars.旅行支票的兌換率是100美圓兌300元。

These dollars are worth 1,000 yuan.這些美圓可換1000元。

Please tell me how much you want to change.請(qǐng)告訴我你要換多少。

How much of the remittance do you want to convert into Japanese yen?

你要把多少匯款換成日?qǐng)A？

What kind of currency do you want?

要哪種貨幣？

What''s it you wish to change?

你有什么要換的？

What kind of currency do you want to change?

要換哪種貨幣？

In what denominations?

要什么面值的？

Please tell me what note you want.請(qǐng)告訴我要什么鈔票。

Will seven tens be all right?

7張10元的可以嗎？

Is it in traveler''s cheques?

換旅行支票嗎？

I''d like to know how I shall give it to you.我想知道如何付錢(qián)給你。

How would you like it?

你要什么面額的？

Would you kindly sign the exchange form, giving your name and address? 14

請(qǐng)?jiān)趦稉Q單上簽字，寫(xiě)出你的姓名和地址，好嗎？

Can you change me some money, please?

能否請(qǐng)你給我兌換一些錢(qián)？

Here it is, some French francs, Swiss francs, American dollars and a few Dutch guilders.這些就是：一些法國(guó)法郎，瑞士法郎，美圓和一些荷蘭盾。

Would you please give me seven five-pound notes, four pound notes and four ten-shilling notes, and the rest in small change.請(qǐng)你給我7張5鎊紙幣，4張1鎊紙幣，4張10先令紙幣，剩下的要零票。

Would you mind giving me the six pence in coppers?

勞駕給我6便士的銅幣。

I''d like to know if you could change this money back into U.S.dollars for me.我想知道能否把這筆兌回成美圓。

Could you change these French francs for me?

能給我兌換這些法國(guó)法郎嗎？

Can you give me 100 dollars in Swiss francs?

能否給我100美圓的瑞士法郎？

I''d like to convert the full amount of the remittance into U.S.dollars.我想把全部匯款換成美圓。

I''d like some coins for this note.我想把這張紙幣換成硬幣。

I''d like to break this 50 dollar note.我想把這張50美圓紙幣換開(kāi)。

Five twenties and ten singles, please.請(qǐng)給我5張20元和10張一元的。

I need 300 dollars in 100-dollar cheques.我要300美圓票面為100美圓的支票。

I hope you''ll give me ten traveler''s cheques of 100 dollars each.我希望給我10張面額為100美圓的旅行支票。

In fives, please.請(qǐng)給我5元票面的。

Could you give me some small notes?

給我一些小票好嗎？

What''s the interest rate for the savings account?

儲(chǔ)蓄存款的利率是多少？

Do you pay interest on this account?

這種存款付給利息嗎？

Please tell me what the annual interest rate is.請(qǐng)告訴我年利率是多少。

Interest is paid at the rate of 1% per annum at present.目前每年的利率是1%。

It allows you to earn a little interest on your money.這可使你從存款中獲得一點(diǎn)利息。

The account carries interest of 4%.該存款有4%的利息。

The interest is added to your account every year.每年的利息都加到你的存款中。

The interest rate for the savings account is 4%.儲(chǔ)蓄存款的利率是4%。

It varies from time to time.At present it is 6%.（年息）每個(gè)時(shí)期都不同，現(xiàn)在是六厘 How much do you want to deposit with us?

你想在我們這存多少？

How much do you wish to pay into your account?

你希望在你的戶頭上存多少？

How much money do you plan to keep in your account on a regular basis?

你計(jì)劃在你的戶頭上定期存放多少錢(qián)？

How much cash do you plan to deposit in your account?

你有多少錢(qián)要存入呢？

I think you may deposit your money with the bank, or leave it here for temporary safe-keeping.我認(rèn)為你可把錢(qián)存入銀行，或留在銀行暫保管起來(lái)。

Would you please fill in the depositing form, giving the sum of money you’’re to deposit as well as your name, address and professional unit?

請(qǐng)?zhí)顝埓婵顔危瑢?xiě)明要存的數(shù)額以及你的姓名，地址和工作的單位，好嗎？

I want to deposit 300 yuan in my account.我想在我的戶頭上存300元。

I want to deposit these cheques in my account.我想把這些支票存在我的戶頭上。

I’’d like to pay 200 yuan into my deposit account.我想在在我的定期存款戶頭上存200元。

I want to deposit my paycheck.我想存入我的工資支票。

I’’d like to know whether I can cash a cheque here.我想知道我能否在這兌換支票。

Will you please cash this traveler’’s cheque?

請(qǐng)兌現(xiàn)這張旅行支票好嗎？

I’’d like to cash this money order.我想兌現(xiàn)這張匯款單。

I want to cash the balance of a traveler’’s letter of credit.17

我要把旅行信用證的結(jié)余兌現(xiàn)。

Will you please tell me whether you charge for cheques?

請(qǐng)告訴我兌換支票收手續(xù)費(fèi)嗎？

Could you tell me how much the checks cost?

請(qǐng)告訴我這些支票要花多少錢(qián)？

What if I overdraw?

如果透支了怎么辦？

Please sign your name on the bottom line if you want to cash the check.如果想兌支票，請(qǐng)?jiān)诘拙€上簽名。

Please write your account number on the back of the check.請(qǐng)?jiān)谥北趁鎸?xiě)上你的帳號(hào)。

We honored the check as the overdraft was only 5 yuan.我們承兌這張支票的透支額只有5元。

Please endorse the cheque.請(qǐng)背簽這張支票。

The traveler’’s checks cost 1.5% of the total amount of purchase.旅行支票手續(xù)費(fèi)是購(gòu)買(mǎi)總額的1.5%。

Here’’s the cheque book.When you send a cheque by post be careful to cross it, but if you wish to cash a cheque yourself, you must leave it “open”.這是一本支票簿，你郵寄支票時(shí)，注意要在支票上打叉線。但是如果你本人想開(kāi)張兌現(xiàn)支票，就不可打叉線。

Each cheque you write will cost 2 dollars.你每開(kāi)一張支票將花2美圓。

第三篇：金融英語(yǔ)詞匯匹配

金融英語(yǔ)

time deposit 定期存款 convertible bonds 可轉(zhuǎn)換債券 期權(quán)option

primary market 一級(jí)市場(chǎng) down payment 分期付款的首次款 中間業(yè)務(wù)intermediary business portfolio 投資組合 mortgage 抵押 書(shū)面申請(qǐng)written application IPO 首次公開(kāi)發(fā)行 monetary policy 貨幣政策 個(gè)人貸款personal loan Liquidation 破產(chǎn)清算 foreign exchange 匯率 優(yōu)先股preferred stock risk profile 風(fēng)險(xiǎn)分析圖 dividend 股息 貨幣市場(chǎng)money market certified cheque 保付支票 interest rate 利率 金融衍生品derivatives

paying liability 付款責(zé)任 commercial paper 商業(yè)票據(jù) 總部headquarter

fluctuation 物價(jià)波動(dòng) default 違約 價(jià)格透明度price transparency stockbroker 證券經(jīng)紀(jì)人 credit union 信用合作社 投資組合portfolios

pension fund 養(yǎng)老金 call option 認(rèn)購(gòu)期權(quán) 資本利得capital gain

premium 溢價(jià) trillion 萬(wàn)億 規(guī)避風(fēng)險(xiǎn)risk averse

intermediary 中介 notary office 公證處 波動(dòng)幅度volatility

beneficiary 收款人 beneficiary 收款人 履約價(jià)格strike price

long-term loan 長(zhǎng)期貸款 in-the-money option 價(jià)內(nèi)期權(quán) 普通股common shares

balance sheet 資產(chǎn)負(fù)債表 商業(yè)銀行commercial bank

牛市bull market banker’s acceptance 銀行承兌匯票 流動(dòng)性liquidity

資本虧損capital loss preferred shares 優(yōu)先股 融資financing

多功能借記卡 multifunctional debit card underwriting 承銷 旅行者支票traveler’s cheque

銀行本票cashier's cheque interest rate risk 利率風(fēng)險(xiǎn) 投資組合portfolio

破產(chǎn)insolvent certificate of deposit 存款證明 衍生證券derivative security

期望收益率required rate of return rate of return 收益率 違約風(fēng)險(xiǎn)default risk

固定利率fixed interest rate inflation rate 通漲率 投資銀行investment bank

價(jià)格不確定性price uncertainty convertible bonds 可轉(zhuǎn)換債券 資本結(jié)構(gòu)capital structure

資本收益率return on equity(ROE)treasury bills 短期國(guó)庫(kù)券 對(duì)沖基金hedge fund

清倉(cāng)liquidation commission 傭金 雙邊貸款bilateral loan

內(nèi)在價(jià)值intrinsic value maturity 存款到期,成熟 綜合服務(wù)comprehensive service

賣(mài)空sold short face value 票面金額

基礎(chǔ)工具underlying mutual fund 共同基金

for debts 匹配

24.budget預(yù)算a plan of how money will be spent over a 1.A central bank 中央銀行a financial institution designated

period of timeby the central government to formulate and implement

25.audit審計(jì)official examination of accounts monetary policy and to supervise and regulate the financial

industry 26.remuneration補(bǔ)償pay or reward for one’s work

2.Function 職能，功能，函數(shù)（數(shù)）a special activity 27.operation操作,運(yùn)營(yíng)a way in which something works

3.Formulate 表達(dá)，制定create in a precise form 28.corporate banking企業(yè)銀行banking service for corporations

4.Implement n.工具,器具 vt.實(shí)現(xiàn),執(zhí)行put into action 29.retail banking零售銀行banking service for the general

5.Monetary policy 貨幣政策policy for currency public

6.Issue 發(fā)行（貨幣），發(fā)布supply and distribute 30.compliance服從obedience

7.Administer vt.管理，MBA工商管理碩士(master of business 31.treasury 財(cái)政部banking department to control funds administration)carry out 32.NPA management 不良資產(chǎn)管理management of

8.Circulation n.流通,循環(huán),發(fā)行量go round continuously non-performing asset

9.License 許可證，營(yíng)業(yè)執(zhí)照official document giving permission 33.workout 解決方案 finding a solution for…(funds)

10.Supervise 監(jiān)督，監(jiān)管watch or check 34.unprecedented無(wú)先例的 without precedent;never

happened 11.Financial institution 金融機(jī)構(gòu)，部門(mén)a general term for banks,35.domestic國(guó)內(nèi)的 In one’s country but nor abroad securities, futures and insurance companies

12.Regulate v.有系統(tǒng)的管理,規(guī)定,調(diào)節(jié)control and direct 36.merger and acquisition收購(gòu)兼并 to come together, combine

and to gain by purchasing 13.Financial market 金融市場(chǎng)market for money and finance

37.investment bank 投資銀行 a bank that provides services in 14.Foreign exchange 匯率system of buying and selling foreign

buying shares and asset for the purpose of making a profit money

38.brokerage傭金commission to those who buy and sell 15.Gold reserves 黃金儲(chǔ)備gold put aside for later use

products for others 16.Fiscal 財(cái)政的of or related to government money 39.corporate governance公司治理 to control and direct corporate 17.Payment支付，付款pay what is due affairs 18.Settlement 結(jié)算paying or being paid 40.peers同等的人 a person who has the same age as the other19.Statistical data 統(tǒng)計(jì)數(shù)據(jù)information in numbers 41.syndicated loan組合貸款 a very large loan for one borrower 20.State administration of foreign exchange 國(guó)家外匯管理局and arranged by several banks a government body to oversee foreign exchange 42.Securities sales and trading 有價(jià)證券交易selling and 21.board of directors董事會(huì)a group of people controlling a buying of stocks, bonds, etc company 43.Issuance of stocks and bonds 有價(jià)證券發(fā)行supply and 22.top management高管the highest management authority distribution of securities 23.asset liability資產(chǎn)負(fù)債the state of being responsible

第四篇：詳細(xì)解析公司人力資源部職責(zé)的內(nèi)容

詳細(xì)解析公司人力資源部職責(zé)的內(nèi)容

公司人力資源部職責(zé)的內(nèi)容條例解析，如下：

1、人力資源管理制度建設(shè)

（1）制定企業(yè)人力資源戰(zhàn)略規(guī)劃

（2）編制員工手冊(cè)，建立員工日常管理規(guī)范

（3）制定企業(yè)人事管理制度與工作流程，組織、協(xié)調(diào)、監(jiān)督人事制度和流程的落實(shí)

2、企業(yè)組織結(jié)構(gòu)設(shè)計(jì)與職位說(shuō)明書(shū)編寫(xiě)

（1）企業(yè)組織結(jié)構(gòu)設(shè)計(jì)

（2）編制各部門(mén)職責(zé)與各崗位的職位說(shuō)明書(shū)

3、人員招聘管理

（1）根據(jù)企業(yè)人員編制，制訂人力資源需求計(jì)劃、招聘計(jì)劃

（2）招聘渠道的拓展與維護(hù)

（3）招聘過(guò)程中的人才測(cè)評(píng)與人員甄選

（4）人員招聘工作的具體實(shí)施

（5）建立后備人才選拔方案和人才儲(chǔ)備機(jī)制

4、員工培訓(xùn)與開(kāi)發(fā)

（1）制訂企業(yè)培訓(xùn)計(jì)劃與培訓(xùn)大綱

（2）外部培訓(xùn)講師的聯(lián)系與內(nèi)部講師的管理

（3）培訓(xùn)課程的開(kāi)發(fā)與管理

（4）員工培訓(xùn)的組織與過(guò)程管理，進(jìn)行培訓(xùn)效果的評(píng)估

（5）管理員工因公外出培訓(xùn)、學(xué)歷教育和繼續(xù)教育工作

5、員工績(jī)效管理（1）員工日常考核（2）設(shè)計(jì)企業(yè)績(jī)效考核方案并組織實(shí)施（3）企業(yè)績(jī)效成果的評(píng)估與管理

6、員工薪酬管理（1）企業(yè)薪酬?duì)顩r的調(diào)查分析，提供決策參考依據(jù)（2）制定企業(yè)人力成本預(yù)算并監(jiān)督其執(zhí)行情況（3）企業(yè)薪酬體系的設(shè)計(jì)（4）員工薪資福利的調(diào)整與獎(jiǎng)勵(lì)實(shí)施常行博士簡(jiǎn)介

10年企業(yè)大學(xué)、企業(yè)管理部、工程部、研發(fā)部及營(yíng)銷部的管理生涯，曾多次獲

華為集團(tuán)優(yōu)秀管理者和金牌JOBER稱號(hào)，具備跨國(guó)（德國(guó)、荷蘭、奧地利、非洲等大項(xiàng)目操作和跨國(guó)團(tuán)隊(duì)管理經(jīng)驗(yàn)。

CEO（核心創(chuàng)始人）

CEO

30多家分公司3000多團(tuán)隊(duì)的市

場(chǎng)營(yíng)銷工作

50多家分公司客戶服務(wù)工作

集團(tuán)執(zhí)行

CEO

2008年曾獲深圳市高科技企業(yè)10大創(chuàng)業(yè)之星

中美上市公司總裁協(xié)會(huì)資深顧問(wèn)

7、勞動(dòng)關(guān)系管理

（1）定期進(jìn)行員工滿意度調(diào)查，建立良好的溝通渠道

（2）協(xié)調(diào)有關(guān)政府部門(mén)、保險(xiǎn)監(jiān)管部門(mén)及業(yè)內(nèi)企業(yè)的關(guān)系

（3）企業(yè)員工勞動(dòng)合同、人事檔案等資料的管理

（4）員工離職與勞動(dòng)糾紛處理

8、人事管理信息系統(tǒng)管理

（1）人事信息的錄入、更新

（2）提供各類人力資源統(tǒng)計(jì)數(shù)據(jù)與分析表單

（3）人事管理信息系統(tǒng)的使用與日常維護(hù)，在人事管理信息系統(tǒng)建設(shè)方面有給予協(xié)作的職責(zé)

第五篇：個(gè)人征信詳細(xì)內(nèi)容安全管理解析（定稿）

1、限定用途

快易貸表示除了本人以外，像商業(yè)銀行在辦理信用卡、貸款、還有擔(dān)保等業(yè)務(wù)的時(shí)候，或者是貨代管理、發(fā)放信用卡的時(shí)候才可以查看個(gè)人的詳細(xì)信用報(bào)告。

2、授權(quán)查詢

商業(yè)銀行查詢個(gè)人信用報(bào)告時(shí)應(yīng)當(dāng)取得被查詢?nèi)说臅?shū)面授權(quán)。書(shū)面授權(quán)可以通過(guò)在貸款、貸記卡、準(zhǔn)貸記卡以及擔(dān)保申請(qǐng)書(shū)中增加相應(yīng)條款取得。

3、信息安全

存儲(chǔ)個(gè)人信用報(bào)告的數(shù)據(jù)庫(kù)可以確保安全。個(gè)人的信息是通過(guò)保密專線從商業(yè)銀行傳送到征信中心的個(gè)人信用信息基礎(chǔ)數(shù)據(jù)庫(kù)的，在此過(guò)程中沒(méi)有任何人為干預(yù)，由計(jì)算機(jī)自動(dòng)處理。整個(gè)系統(tǒng)采用了國(guó)內(nèi)最先進(jìn)的計(jì)算機(jī)防病毒和防黑客攻擊的安全系統(tǒng)。

4、密碼管理

商業(yè)銀行各級(jí)用戶應(yīng)妥善保管用戶密碼，至少兩個(gè)月更改一次密碼，并登記密碼變更登記薄。個(gè)查詢用戶的用戶名及密碼僅限本人使用、嚴(yán)禁他人使用或?qū)⒚艽a告知他人。

5、違規(guī)處罰

商業(yè)銀行如果違反規(guī)定查詢個(gè)人的信用報(bào)告，或?qū)⒉樵兘Y(jié)果用于規(guī)定范圍之外的其他目的，將被責(zé)令改正，并處以1萬(wàn)元以上3萬(wàn)元以下的罰款；涉嫌犯罪的，則將依法移交司法機(jī)關(guān)處理。

6、查詢記錄

個(gè)人信用信息基礎(chǔ)數(shù)據(jù)庫(kù)還對(duì)查看個(gè)人信用報(bào)告的商業(yè)銀行信貸人進(jìn)行管理，每一個(gè)用戶都要登記注冊(cè)，而且計(jì)算機(jī)系統(tǒng)還自動(dòng)追蹤和記錄每一個(gè)用戶查詢個(gè)人信用報(bào)告的情況，并展示在個(gè)人的信用報(bào)告中。