英语口语常用语

. Have a nice day. 祝你今天愉快 2. So far, so good. 目前为止一切都好 3. Take it or leave it. 要就要，不要就拉倒 4. Keep it up! 继续努力，继续加油 5. Good for you. 好啊！做得好！ 6. Time flies！时光如梭

7. Time is money. 时间就是金钱 8. That's life. 这就是人生 9. Now you're talking. 这才对嘛

10. have butterflies in one's stomach 紧张 11. You asked for it. 你自找的

12. read between the lines 字里行间的言外之意 13. The rest is history. 众所皆知 14. A little bird told me. 我听说的 15. It never rains but it pours. 祸不单行 16. Mind your own business. 不关你的事儿 17. Hang in there. 坚持下去 18. could be worse 可能更糟 19. Money talks. 金钱万能 20. count me out 不要算我

21. Over my dead body! 想都别想（除非我死了） 22. go fifty-fifty on sth. 平分

23. You can say that again! You said it! 你说的没错；你说对了 24. Look who's talking! 看看你自己吧！ 25. It's Greek to me. 这我完全不懂 26. take my word for it 相信我的话

27. not one's cup of tea 不感兴趣；不合胃口 28. Get real ! 别闹了；别开玩笑了

29. head over heels 深陷；完全地 30. Suit yourself. 随你高兴

31. What's the catch? 有什么意图？ 32. let the cat out of bag 泄漏秘密

33. sth. is touch and go 危险的情况；惊险的；一触即发的 34. beat a dead horse 白费劲 35. The sky's the limit. 没有限制

36. once in a blue moon 千载难逢；难得一次 37. Be prepared. 准备好

38. It's easier said than done. 说的比做的简单 39. have second thoughts 考虑一下；犹豫 40. behind someone's back 在某人背后；背着某人 41. Better luck next time. 下次运气更好 42. come in handy 派得上用场 43. rains cats and dogs 倾盆大雨

44. First come, first served. 先来先招待；捷足先登 45. It's not my day! 今天运气真糟 46. That's news to me. 这可是新闻呢 47. There's no way to tell. 没办法知道

48. read sb. like an open book 清楚某人心里的想法 49. You've got me there. 你考到我了 50. Easy does it. 慢慢来；小心一点；别生气了

51. on the tip of one's tongue 差一点就说出口；差一点就记起来的 52. The more, the merrier. 越多越好

53. let someone off the hook 让某人摆脱麻烦、解脱困境 54. beside the point 离题的；不是重点

55. burn the candle at both ends 白天晚上都要忙；花费很多精力 56. meet a deadline 截稿

57. out of sight, out of mind 眼不见为净；离久情疏 58. rub someone the wrong way 惹恼某人 59. stop on one's toes 触怒到某人 60. be fed up with 对……感到厌烦

61. give credit where credit is due. 称赞该被赞美的人 62. go from bad to worse 每况愈下 63. hit the jackpot 中大奖，走运

64. It all depends on what one means by sth. 看某人对于……是指什么意思 65. accidentally/on purpose 不小心/故意 66. in one's book 在某人的字典里；对……而言 67. No pains, no gains 一份耕耘，一份收获

68. You ain't seen nothing yet. 你还没看过更好（烂）的 69. to give a rain check 改天的邀请

70. That's what friends are for. 这就是好朋友啊 71. It's a pain in the neck. 很讨厌而难避免 72. It's the thought that counts. 心意最重要

73. the tip fo the iceberg 冰山一角；危险的细微的征兆

74. jump down someone's throat 粗暴地回答某人；无理地打断某人的话 75. save sth. for a rainy day 以备不时之需 76. behind the scenes 在幕后；在黑暗中

77. by the skin of one's teeth 刚好，勉强，侥幸 78. Don't rock the boat. 不要破坏现状、捣乱 79. worth its weight in gold 很有价值的 80. speak fo the devil 说曹操曹操到

81. right up/down someone's alley 某人的专长 82. You never know what you can do until you try. 不试试看，就不知道自己的潜力

83. You scratch my back, and I'll scratch yours. 你帮我，我也帮你

84. A penny saved is a penny earned. 省一分就是赚一分 85. get away from it all 远离这一切

86. make a mountain out of a molehill 大惊小怪；小题大做；言过其实 87. Two heads are better than one. 三个臭皮匠抵过一个诸葛亮 88. get/ have cold feet 紧张

89. have someone's sight on sth. 看好了某样东西；决心要 90. Honesty is the best policy 诚实为上策 91. No sooner said than done. 说做就做 92. sleep like a log 睡得很沉 93. through thick and thin 共同经历

94. all in the day's work 习以为常；不足为奇 95. Curiosity killed the cat. 好奇伤身 96. Great minds think alike. 英雄所见略图 97. Some people never learn. 有些人总是学不乖 98. There's no place like home. 没有比家更温暖的地方

99. You learn sth. new everyday. 你每天都会学到新东西/知道新事情 100. wrap things up 把事情整理一番，做个结束 101. at the drop of a hat 立即，随时 102. Beauty is only skin deep. 美丽是肤浅的 103. It takes two to tango. 一个巴掌拍不响

104. Never put off until tomorrow what you can do today. 今日事，今日毕 105. Some people have all the luck. 有些人就是那么幸运 106. Don't be such a poor loser. 不要输不起 107. Don't cry over spilt milk. 覆水难收 108. It wouldn't hurt to ask. 问人又不会怎么样 109. have one's head in the clouds 心不在焉 110. Never say die. 决不要灰心 111. seeing is believing 眼见为实

112. Patience is a virtue. 耐心是一种美德 113. Talk is cheap. 光说没有用 114. turn over a new leaf 重新开始 115. burn the midnight oil 挑灯夜战 116. grin and bear it 默默忍受；忍耐着点 117. same to you 同样祝福你

118. sth. is better than nothing 有总比没有强 119. Opposites attract. 异性相吸 120. The feeling is mutual. 有同感

121. the calm before the storm 暴风雨前的宁静

122. The early bird catches the worm 早起的鸟儿有虫吃 123. Better left unsaid. 最好还是不要说

124. Tomorrow is another day. 明天又是崭新的一天 125. come out in the wash 真相大白；得到圆满的结果 126. Every dog has his day. 十年风水轮流转 127. bury the hatchet 言归于好；和好 128. A good man is hard to find. 好人难找 129. in the nick of time 及时

130. Don't speak too soon. 别说的太早

131. There's no such thing as a free lunch. 天下没有免费的午餐 132. without batting an eyelid 眼眨都不眨；泰然自若 133. know the ropes 知道学习规则或内容 134. pay through the nose 花很多钱 135. sell like hot cakes 很畅销 136. What's done is done. 做了就做了 137. Look before you leap. 三思而后行

138. When the chips are down. 在重要关头；到了关键时刻 139. bet one's bottom dollar 确信无疑

140. Variety is the spice of life. 多样化丰富生活 141. a wolf in sheep's clothing 披着羊皮的狼 142. Haste makes waste. 欲速则不达

143. like a bull in a china shop 笨手笨脚；莽撞行事 144. someone is not out of the woods yet 还未脱离危险

145. The best things in life are free. 生命中最好的东西是金钱买不到的 146. Easy come, easy go. 来得快，去得快 147. I don't have a clue. 我不知道

148. Better safe than sorry. 宁愿安全（可靠）也不要后悔 149. Practice makes perfect. 孰能生巧 150. for crying out loud 哎呀呀！拜托

151. on the spur of the moment 一时冲动；一时兴起 152. Every little bit counts. 一点一滴都算

153. drive sb. to the wall 使某人发疯/受不了；使某人束手无策 154. get sth. off one's chest 倾吐心中的事；落下心中的大石头 155. Two wrongs don't make a right. 报复于事无补 156. the blind leading the blind 外行领导外行 157. in the same boat 同命相连

158. Appearances can be deceiving. 外表是会骗人的 159. only time will tell 只有时间会证明

160. Don't put all your eggs in one basket. 别孤注一掷 161. take the good with the bad 好的与坏的都要一起接受 162. take the bull by the horns 当机立断；大胆果断地解决问题 163. That's the last straw. 使人无法忍受的最后一击 164. You can't please everyone. 你无法使每一个人都满意

165. An eye for an eye, and a tooth for a tooth. 以眼还眼，以牙还牙 166. Money doesn't grow on trees. 金钱得来不易 167. cost sb. an arm and a leg 花大笔钱

168. have the upper hand 占优势 169. everything but the sink 所有的东西 170. Boys will be boys. 男孩就是男孩

171. Not be able to get a word in edgewise. 插不上话 172. go back to square one 回到原地

173. It's never too late to learn. 学习永远不嫌晚；亡羊补牢犹未晚 174. Leave well enough alone. 维持现状；对现在已经很满意了，不用变更 175. on a first-name basis 直呼其名（很熟的)

176. Nothing to write home about. 没什么值得说的；不值得推荐 177. packed in like sardines 挤得要命

178. There are other fish in the sea. 天涯何处无芳草；还有别的机会 179. What you see is what you get. 你看到什么就是什么 180. come out smelling like a rose 一枝独秀 181. hear through the grapevine 听到谣言

182. read you loud and clear 听得很清楚；很了解你 183. have a sweet tooth 喜欢甜食（喜欢某物）

184. know sb. like the back of one's hand 很了解某人 185. It's not the end of the world. 不是世界末日 186. come away empty-handed 一无所获

187. breathe down someone's neck 紧跟在某人后面；监督某人 188. cost sb. a pretty penny 很贵 189. fill someone's shoes 接替某人的职位 190. act the mustard 达到标准 191. like a dream come true 如梦成真

192. zero in on sth. 专注于；对准（两个介词并用，奇怪） 193. put/ lay sth. on the line 坦白的说，冒……风险 194. like a fish out of water 感到尴尬不适应

195. All systems are go. 准备好了。（这句话研究了半天，居然不是语法错误？）

196. end of the road 终点；最后

197. just what the doctor ordered 正合需要

198. pull the wool over someone's eyes 欺骗；蒙蔽某人 199. The first step is always the hardest. 万事开头难 200. Time change, people change. 时间会变，人也会变 201. Birds of a feather flock together. 物以类聚，人以群分 202. give sb. an inch and he'll take a mile 得寸进尺 203. Don't press your luck. 不用得寸进尺 204. saved by the bell （在紧要的关头）得救 205. finders keepers 谁捡到就是谁的 206. by the book 按照规定

207. That's fair enough. 这样很公平 208. raise one's eyebrows 吃惊

209. keep one's head above water 使……免于负债

210. bark up the wrong tree 精力用在不该用的地方；错怪人；目标错误 211. from the bottom of one's heart 由衷地 212. Love is blind. 爱情是盲目的 213. That's all, folks. 就这样了，各位 214. feel sth. in one's bones 直觉到

215. It's sink or swim. 无论成功或失败（全靠自己）

216. steal one's thunder 抢别人的功劳；窃取别人的方法；抢别人的风头 217. Where there's smoke, there's fire. 无风不起浪事；事出有因 218. Bad news travels fast. 坏事传千里 219. eat one's heart out 沮丧；伤心 220. stand the last of time 接受时间的考验 221. a bed of roses 逞心如意的生活 222. Achilles' heel 一个人的弱点

223. go the distance 坚持到底；完成全部

224. Cleanliness is next to godliness. 清洁是一种美德 225. Knowledge is power. 知识就是力量 226. Love will find a way. 爱会找到方法的 227. Mother knows best. 妈妈最清楚了

228. the bottom line is that... 基本底线；最终结果

229. Beauty is in the eye of the beholder. 情人眼里出西施

230. Absence makes the heart grow fonder. 距离产生美；小别胜新婚 231. Forgive and forget. 不念旧恶

232. If it sounds too good to be true, it probably is. 如果听起来好像不是真的，也许就不是真的 233. Those were the days. 那真是好时光

234. water under the bridge 过去式；无法挽回的过去；过去的事了 235. Monkey see, monkey do. 有样学样

236. What one doesn't know won't hurt one. 不知道不会怎样 237. There's a time and a place for everything. 在适合的时候派上用场；适时做事

238. You can't win them all. 人不可能一直走运；人不可能一帆风顺 239. Different strokes for different folks. 人各有所好 240. Customers are always right. 顾客第一 241. give sth. one's best shot 尽最大努力

242. If you can't stand the heat, get out of the kitchen. 受不了压力，就离开吧

243. If the shoe fits, wear it. 若这话说对了，就接受意见吧 244. like two peas in a pod 腻在一起 245. point-blank 直接地

246. down in the dumps 心情跌入谷底

247. give sb. a piece of one's mind 教训某人一顿 248. If you want a thing done well, do it yourself.

你想要做好一件事，就要自己动手

249. Don't spend it all in one place. 不要全部用在一个地方 250. go out on a climb to do sth. 冒着危险

251. There's no time like the present. 没有比现在更合适的时候了 252. see/read the handwriting on the wall 预感不祥之兆

253. Two's company, three is a crowd. 两个人刚刚好，三个人太多了 254.Every family has a skeleton in the closet. 家家有本难念的经 255. hardly have time to breathe 没有喘息的时间 256. keep your eyes on the ball 专心 257. leave no stone unturned 不遗余力；彻底 258. I mean it. 我是说真的

259. make one's hair stand on end 使人害怕；毛骨悚然 260. The walls have ears. 隔墙有耳

261. bring home the bacon 维持生计；获得成功

262. They lived happily ever after. 他们从此过着幸福的生活 263. blow the whistle on sb./ sth. 揭发；制止某人（某事） 264. Ignorance is bliss. 不知便是福

265. People who live in glass houses should't throw stones. 自己有短处，就总揭发别人的短处

266. pull out all the stops 用尽一切的实力

267. take the wind out of one's sails 使某人顿时泄气，威风扫地 268. in the seventh heaven 在无比的幸福快乐中 269. The end justifies the means. 为目的不择手段 270. call a spade a spade 有话直说

271. A woman's work is never done. 家务永远做不完 272. one's name will be mud 某人将声名狼藉 273. play second fiddle to sb. 充当副手

274. the rhird time's the charm 第三次总是幸运的

275. shape up or ship out 好自为之，不然就离开

276. Old dogs can't learn new tricks. 老人不容易适应新事物 277. Life's full fo surprise. 人生充满了惊喜

278. So quiet that you could hear a pin drop. 安静地连根针掉地上都听得见 279. turn back the clock 时光逆转

280. Fancy meeting you here. 怎么会在这里遇见你 281. bury one' head in the sand 鸵鸟心态；不正视现实 282. You only live once. 人生只有一次

283. Home is where the heart is. 家总是让人思念的地方

284. Has the cat got your tongue? （猫把你舌头叼走啦？）为什么不说话？ 285. When the cat's away. the mice will play. 阎王不在，小鬼跳梁 286. Every cloud has a silver lining. 黑暗中总有一丝曙光；否极泰来 287. for the record 正式地或明确地说；郑重声明

288. Good things come to him/ her who waits. 好酒沉瓮底 289. Where there's a will. there's a way. 有志者，事竟成 290. sit like a bump on a log 坐着跟大木头一般

291. That's the pot calling the kettle black. 乌鸦骂猪黑

292. bang/beat one's head against a brick wall 做徒劳无功的事 293. An apple a day keeps the doctor away. 日食一苹果，医生远离我 294. To err is human, to forgive divine. 犯错是人之常情，原谅是超凡入圣 295. Don't count your chickens before they're hatched. 如意算盘别打得太早

296. live and learn 活到老，学到老 Dinner is on me. 晚饭我请。

You ask for it! 活该！

You don't say! 真想不到！

Get out of here! 滚出去！

How come… 怎么回事，怎么搞的。

Don't mention it. 没关系，别客气。

It is not a big deal! 没什么了不起！

thousand times no! 绝对办不到！

Who knows! 天晓得！

Have a good of it.玩的很高兴。

Don't let me down. 别让我失望。

It is urgent. 有急事。

Can I have this? 可以给我这个吗？

It doesn't take much of your time. 这不花你好多时间。

Drop it! 停止！

Bottle it! 闭嘴！

There is nobody by that name working here.这里没有这个人。

Easy does it. 慢慢来。

Don't push me. 别逼我。

Come on! 快点，振作起来！

What is the fuss？ 吵什么？

Still up？ 还没睡呀？

It doesn't make any differences. 没关系。

It is a deal！ 一言为定！

Take a seat! 请坐！

Here ye! 说得对！

It can be a killer. 这是个伤脑筋的问题。

Don't take ill of me. 别生我气。

It's up in the air. 尚未确定。

I am all ears. 我洗耳恭听。

Right over there. 就在那里。

Get an eyeful. 看个够。

Here we are! 我们到了！

I lost my way. 我迷路了

Say hello to everybody for me. 替我向大家问好。

Not precisely! 不见得，不一定！

That is unfair. 这不公平！

We have no way out. 我们没办法。

That is great! 太棒了！

You are welcome! 别客气！

I'm bored to death. 我无聊死了。

Bottoms up! 干杯！

Big mouth! 多嘴驴！

Can－do. 能人。

Don't play possum! 别装蒜！

He neither drinks nor smokes. 他既不喝酒也不抽烟。

Make it up! 不记前嫌！

Watch you mouth. 注意言辞。

Any urgent thing？ 有急事吗？

Good luck! 祝你好运！

Make it. 达到目的，获得成功

God works. 上帝的安排。 Not so bad. 不错。 No way! 不可能!

Don't flatter me. 过奖了。 Hope so. 希望如此。

Go down to business. 言归正传。 I'm not going. 我不去了。

Does it serve your purpose? 对你有用吗? I don't care. 我不在乎。

None of my business. 不关我事。 It doesn't work. 不管用。 Your are welcome. 你太客气了。 It is a long story. 一言难尽。 Between us. 你知，我知。 Sure thin! 當然! Talk truly. 有话直说。 I'm going to go. 我這就去。 Never mind. 不要緊。

Why are you so sure? 怎么这样肯定? Is that so? 是这样吗?

Come on, be reasonable. 嗨，你怎么不讲道理。 When are you leaving? 你什么时候走? You don't say so. 未必吧，不至于这样吧。 Don't get me wrong. 别误会我。 You bet! 一定，当然! It's up to you. 由你决定。 The line is engaged. 占线。

My hands are full right now. 我现在很忙。 Can you dig it? 你搞明白了吗? I'm afraid I can't. 我恐怕不能。 How big of you! 你真棒! Poor thing! 真可怜!

How about eating out? 外面吃饭怎样? Don't over do it. 别太过分了。 You want a bet? 你想打赌吗? What if I go for you? 我替你去怎么样? Who wants? 谁稀罕?

Follow my nose. 凭直觉做某事。 Cheap skate! 小气鬼! Come seat here. 来这边坐。

Watch you mouth. 注意言辞。 Don't get high hat. 别摆架子。 That rings a bell. 听起来耳熟。 Play hooky. 旷工、旷课。

I am the one wearing pants in the house. 我当家。 Get cold feet. 害怕做某事。 Good for you! 好得很! Go ahead. 继续。 Help me out. 帮帮我。 Let's bag it. 先把它搁一边。 Lose head. 丧失理智。

He is the pain on neck. 他真让人讨厌。 Do you have straw? 你有吸管吗? Don't make up a story. 不要捏造事实。

Absence makes the heart grow fonder. 小别胜新婚。 She make a mess of things. 她把事情搞得一塌糊涂。 He has a quick eye. 他的眼睛很锐利。 Shoot the breeze. 闲谈。 Tell me when! 随时奉陪! It is a small world! 世界真是小! Not at all. 根本就不(用)。

Let's play it by ear. 让我们随兴所至。 Wait and see. 等着瞧。 Why so blue? 怎么垂头丧气?

What brought you here? 什么风把你吹来了? Hang on! 抓紧(别挂电话)! Leave me alone. 别理我。 Chin up. 不气 ，振作些。 You never know. 世事难料。 I stay at home a lot. 我多半在家里。

She'll be along in a few minutes. 他马上会过来。 I'm not in a good mood. 没有心情(做某事)。 He is a fast talker. 他是个吹牛大王。 Daring! 亲爱的!

She is still mad at me. 她还在生我的气。

I'll get even with him one day. 我总有一天跟他扯平 Hit the ceiling. 大发雷霆。

She's got quite a wad. 她身怀巨款。 I don't have anywhere to be. 没地方可去。 I'm dying to see you. 我很想见你。

I swear by the god. 我对天发誓。 Nothing tricky. 别耍花招。

You might at least apologize. 你顶多道个歉就得了。

Price is soaring, if it goes on like this, we shall not be able to keep the pot boiling. 物价直线上升，这样子下去，我们锅里可没什么东西煮饭。 None of you keyhole. 不准偷看。

You don't seem to be quite yourself today. 你今天看起来不大对劲。 Do you have any money on you? 你身上带钱了吗? What is your major? 你学什么专业?

My girlfriend and I broke up. 我和我的女朋友吹了。

It was something that happens once in the blue moon. 这是千载难逢的事。 I'll kick you out. 我将炒你鱿鱼。

I have to be late and keep my date waiting. 我不喜欢迟到而让别人久等。 He pushes his luck. 他太贪心了。 Nuts! 呸;胡说;混蛋!

I can't make both ends meet. 我上个月接不到下个月，缺钱。 It is of high quality. 它质量上乘。 Dead end. 死胡同。

Would you mind making less noise. 能不能小声点? 不景气 slump （衰退 recession）

二板市场 the second board market 中国创业板 China Growth Enterprise Market 首次上市 IPOs (initial public offering) 市场资本总额 market capitalization 法人股 institutional shares

内部股（非上市招股） private company shares 牛市 bull market

法律风险 legal risk

风险管理 risk management

坚持严格的贷款标准 maintain strong underwriting standards 六大风险 risks in 6 key areas (U.S. Federal Reserve criterion)

信用风险 credit risk

供给学派 supply-side economist

第一产业（农业） agriculture (primary industry)

第二产业（工业） manufacturing industry (secondary industry) 第三产业（服务业） service industry (tertiary industry) 主要经济指标 major economic indicators

国内生产总值 GDP gross domestic product （商品和劳务币值总和，不包括海外收入支出） 国民生产总值 GNP gross national product（商品和劳务币值总和，包括海外收入支出） 人均国内生产总值 GDP per capita

宏观经济 macro economy

互助基金 mutual fund

扩大内需 expand domestic demand

改善居民心理预期 inspire the general public's confidence in the future needs 鼓励增加即期消费 encourage more immediate consumption 长期国债 long-term treasury bonds 支付国债利息 to service treasury bonds 财政赤字和债务 deficits and the national debt 按原口径计算 calculate on the base line 按不变价格计算 calculate at constant price 按可比价格计算 calculate at comparable price 列入财政预算支出 listed in the fiscal budget

结售汇制度 the system of exchange, settlement and sales

经常项目顺差 favorable balance of current account, surplus of current account 开办人民币业务 engage in Renminbi (RMB) business

出口退税制度 the system of refunding taxes on exported goods 保证金台帐制度 Deposit account system for processing trade 分期付款 pay by installment

保值储蓄 inflation-proof bank savings 抵押贷款 collateralised loans

住房抵押贷款 residential mortgage loan

货币主义者 monetarist

计划经济 planned economy 指令性计划 mandatory plan

技术密集型 technology intensive 大规模生产 mass production

经济林 cash tree

跟踪审计 follow-up auditing

流动性风险 liquidity risk 操作风险 operational risk

内部审计 internal audit

抛售 bear sales

配套政策 supporting policies

中国人民银行（中央银行）The People’s Bank of China（central bank）

四大国有商业银行 4 major state-owned commercial banks 中国银行 Bank of china

中国工商银行 Industrial and Commercial Bank of China（）and 中国建设银行 Construction Bank of China 中国农业银行 Agricultural Bank of China 招商银行 China Merchants Bank

疲软股票 soft stock 配股 allotment of shares

实际增长率 growth rate in real terms 年均增长率 average growth rate per annum 投资回报率 rate of return on investment 外贸进出口总额 total foreign trade value

实际利用外资 incoming overseas capital (investment) in place 消费价格指数 consumer price index (CPI) 零售价格指数 retail price index （RPI）

生活费用价格总指数 total price index of living cost 生活费用 income available for living expenses

扣除物价因素 in real terms / on inflation-adjusted basis 居民储蓄存款 residents’ bank savings deposit

恩格尔系数（食品开支占总支出的比例） Engel coefficient 基尼系数（衡量地区差别） Gini coefficient

购买力平价法 purchasing power parity (PPP) （衡量使用不同货币的两个国家或地区的经济水平、收入水平的一种计算法，用相等的汇率比较两种货币各自的国内购买力） 片面追求发展速度 excessive pursuit of growth

泡沫经济 bubble economy 经济过热 overheating of economy

通货膨胀 inflation

实体经济 the real economy 经济规律 laws of economics

市场调节 market regulation

优化资源配置 optimize allocation of resources 规模经营优势 advantage of economies of scale 劳动密集型 labor intensive

市场风险 market risk

收紧银根 tighten up monetary policy

适度从紧的财政政策 moderately tight fiscal policy 信用紧缩 credit crunch

加强国有商业银行内部资金调度 In state commercial banks, internal capital allocation should be improved.

合理划分贷款审批权限 Limits of authority for examining and approving loans should be rationally defined.

保证有市场、有效益、守信用企业的流动资金贷款 ensure floating capital loans for well-performing and trustworthy enterprises which turn out the right products for the right markets

启动民间投资 attract investment from the private sector 适销对路的产品 the right products / readily marketable products 国有企业 state-owned enterprises (SOEs)

集体企业 collectively-owned (partnership) enterprises 私营企业 private businesses 民营企业 privately-run businesses

中小企业 small-and-medium-sized enterprises

三资企业（中外合资、中外合作、外商独资） overseas-invested enterprises; foreign-invested enterprises (Chinese-overseas equity joint ventures, Chinese-overseas contractual joint ventures, wholly foreign- owned enterprises) 存款保证金 guaranty money for deposits 货币回笼 withdrawal of currency from circulation 吸收游资 absorb idle fund 经常性贷款 commercial lending 经常性支出 operating expenses 再贷款 re-lending; subloan

支持国有大型企业和高新技术企业上市融资 support large state-owned enterprises and high and innovative technology companies in their efforts to seek financing by listing on the stock market

改制上市 An enterprise is re-organized according to modern corporate system so that it will get listed on the stock market.

进一步规范和发展证券市场 further standardize and develop the securities market 增加直接融资比重 increase the proportion of direct financing

完善股票发行上市制度 improve the system for IPO and listing on stock markets 中国证监会 China Securities Regulatory Commission (CSRC) 深圳证券交易所市 Shenzhen Stock Exchange 上海证券交易所 Shanghai Stock Exchange 综合指数 composite index

纳斯达克（高技术企业板） NASDAQ （National Association of Securities Dealers Automated Quotation

主板市场 the main board

通货紧缩 deflation

中国现代化建设分三步走的战略the three-step development strategy of China’s

modernization drive第一步，到1990年国民生产总值比1980年翻一番 Step One: GDP of 1990 doubles that of 1980.第二步，到2000年人均国民生产总值比1980年翻两番，人民

生活达到小康水平 Step Two: GDP of 2000 quadruples that of 1980; people live a fairly comfortable life.第三步，到21世纪中期建国100周年时，达到中等发达国家水平 Step Three: By the year 2049, the 100th anniversary of the P.R.C., China’s level of development is expected to be on par with the mid-ranking developed countries 与世界经济的联系将更加紧密 be more closely linked to the world economy

中国巨大的市场潜力将逐步转化为现实的购买力 The huge market potential that China enjoys will be turned into tangible purchasing power.

适应市场经济需要的法律法规体系还不够健全 The regulatory and legal system is not well established as to adapt to the demand of market economy.

经济管理体制可能会出现一些不适应 The economic management system may not be readily adapted to the changes.

一些行业和企业可能会受到冲击 Some sectors of economy and some businesses may be adversely affected.

立足中国国情，发挥自身优势 proceed from national conditions in China and bring our advantages into play

扬长避短，趋利避害，迎接经济全球化的挑战 foster strengths and circumvent weaknesses and rise to the challenge of economic globalization 瓶颈制约 bottleneck constraints

放权让利 decentralization and interest concessions (in late 1980s and early 1990s) 深化改革 intensify reform; deepen one’s commitment to reform 配套改革 supporting (concomitant) reforms 配套资金 counterpart funds; local funding of

提高经济效益 improve economic performance; increase economic returns 讲求社会效益 value contribution to society; pay attention to social effect

加速国民经济信息化 develop information-based economy accelerate IT application in economy

拉动经济增长 fuel economic growth

利改税 substitution of tax payment for profit delivery 费改税 transform administrative fees into taxes 债转股 debt-to-equity swap

头寸宽裕（头寸紧缺） in an easy position (tight position) 朝阳产业 sunrise industry

招标投标制 the system of public bidding for project

充分发挥货币政策的作用 give full play to the role of monetary policy 实施积极的财政政策 follow a pro-active fiscal policy

向银行增发国债，扩大投资 The government issued additional treasury bonds to banks to increase investment. 再注资 recapitalization

放松银根 to ease monetary policy

信息经济 IT economy

外向型经济 export-oriented economy

信息时代 information age

全球化 globalization （全球性globality）

信誉风险 reputational risk 风险评级 risk rating

到期不还贷 default on a loan 资不抵债 insolvency; be insolvent

亚洲金融危机 Asian financial crisis (1997-98) 投资（贷款）组合 investment (loan) portfolio 外汇储备充足 sufficient foreign exchange reserves 中国金融业问题 problems with financial sector in China

储蓄比例过高 the excessively large proportion of savings in the money supply 国有企业产负债率过高 high leverage ratio of the state-owned enterprises,

国有独资商业银行不良资产比例过高 high ratio of non-performing loans of the state commercial banks

少数中小存款金融机构不能支付到期债务 insolvency of a handful of small and medium-sized financial institutions 不良贷款 non-performing loans

防范和化解金融风险 address financial risks

提高企业借贷和行使民事责任的能力 improve enterprises’ creditworthiness and ability to fulfil their civil liabilities 监事会 supervisory board

实行谨慎会计制度 adopt prudential accounting standards

五级分类法划分贷款质量 the five-category asset classification approach 金融资产管理公司 financial asset management companies

分离和收回不良资产 substantially reduce the ratio of non-performing assets 分业管理、规模经营 business segregation, economy of scale

规范金融机构市场退出制度 improve the market exit mechanism for financial institutions

政策性银行 state policy-related bank 国家发展银行 State Development Bank

知识经济 knowledge-based economy 网络经济 Internet-based networked economy

指导性计划 guidance plan

社会主义市场经济（中国） socialist market economy 社会市场经济（德国） social market economy 新经济（美国） new economy

中国光大银行 Everbright Bank of China

中国民声银行 China Minsheng Banking Corporation Ltd. 中信实业银行 CITIC Industrial Bank

中国进出口银行 China EXIM Bank

汇丰银行 Hong Kong and Shanghai Banking Corporation (HKSBC) 金融监管 financial supervision

中国人民银行法 Law of the People’s Bank of China 商业银行法 Law of Commercial Banks 保险法 Law of Insurance 证券法 Law of Securities 巴塞尔原则 Basel Core Principles

监管对象的行为有问题、管理机制不健全 problems of supervised entities’ behavior and the unsound internal governance mechanism 风险意识 consciousness of risk prevention 事前监管 proactive regulation and supervision

account number 帐目编号 depositor 存户 pay-in slip 存款单 a deposit form 存款单 a banding machine 自动存取机 to deposit 存款

deposit receipt 存款收据 private deposits 私人存款 certificate of deposit 存单

deposit book, passbook 存折 credit card 信用卡 principal 本金

overdraft, overdraw 透支 to counter sign 双签 to endorse 背书 endorser 背书人 to cash 兑现

to honor a check 兑付 to dishonor a check 拒付 to suspend payment 止付 check 支票 check book 支票本 order check 记名支票 bearer check 不记名支票 crossed check 横线支票 blank check 空白支票 rubber check 空头支票 check stub, counterfoil 票根 cash check 现金支票 traveler's check 旅行支票 check for transfer 转帐支票 outstanding check 未付支票 canceled check 已付支票 forged check 伪支票 Bandar's note 庄票，银票 banker 银行家

president 行长 savings bank 储蓄银行 Chase Bank 大通银行

National City Bank of New York 花旗银行

Hongkong Shanghai Banking Corporation 汇丰银行 Chartered Bank of India, Australia and China 麦加利银行 Banque de I'Indo Chine 东方汇理银行

central bank, national bank, banker's bank 中央银行 bank of issue, bank of circulation 发行币银行 commercial bank 商业银行，储蓄信贷银行 member bank, credit bank 储蓄信贷银行 discount bank 贴现银行 exchange bank 汇兑银行 requesting bank 委托开证银行 issuing bank, opening bank 开证银行 advising bank, notifying bank 通知银行 negotiation bank 议付银行 confirming bank 保兑银行 paying bank 付款银行

associate banker of collection 代收银行 consigned banker of collection 委托银行 clearing bank 清算银行 local bank 本地银行 domestic bank 国内银行 overseas bank 国外银行 unincorporated bank 钱庄 branch bank 银行分行

trustee savings bank 信托储蓄银行 trust company 信托公司 financial trust 金融信托公司 unit trust 信托投资公司 trust institution 银行的信托部 credit department 银行的信用部

commercial credit company(discount company) 商业信贷公司（贴现公司） neighborhood savings bank, bank of deposit 街道储蓄所 credit union 合作银行 credit bureau 商业兴信所 self-service bank 无人银行 land bank 土地银行 construction bank 建设银行

industrial and commercial bank 工商银行 bank of communications 交通银行 mutual savings bank 互助储蓄银行 post office savings bank 邮局储蓄银行 mortgage bank, building society 抵押银行 industrial bank 实业银行 home loan bank 家宅贷款银行 reserve bank 准备银行 chartered bank 特许银行 corresponding bank 往来银行

merchant bank, accepting bank 承兑银行 investment bank 投资银行

import and export bank (EXIMBANK) 进出口银行 joint venture bank 合资银行

money shop, native bank 钱庄 credit cooperatives 信用社 clearing house 票据交换所 public accounting 公共会计 business accounting 商业会计 cost accounting 成本会计 depreciation accounting 折旧会计 computerized accounting 电脑化会计 general ledger 总帐 subsidiary ledger 分户帐 cash book 现金出纳帐 cash account 现金帐

journal, day-book 日记帐，流水帐 bad debts 坏帐 investment 投资 surplus 结余 idle capital 游资 economic cycle 经济周期 economic boom 经济繁荣 economic recession 经济衰退 economic depression 经济萧条 economic crisis 经济危机 economic recovery 经济复苏 inflation 通货膨胀 deflation 通货收缩 devaluation 货币贬值 revaluation 货币增值

international balance of payment 国际收支 favorable balance 顺差 adverse balance 逆差 hard currency 硬通货 soft currency 软通货

international monetary system 国际货币制度 the purchasing power of money 货币购买力 money in circulation 货币流通量 note issue 纸币发行量 national budget 国家预算

national gross product 国民生产总值 public bond 公债 stock, share 股票 debenture 债券 treasury bill 国库券 debt chain 债务链

direct exchange 直接（对角）套汇 indirect exchange 间接（三角）套汇 cross rate, arbitrage rate 套汇汇率

foreign currency (exchange) reserve 外汇储备 foreign exchange fluctuation 外汇波动 foreign exchange crisis 外汇危机 discount 贴现

discount rate, bank rate 贴现率 gold reserve 黄金储备

money (financial) market 金融市场 stock exchange 股票交易所

broker 经纪人 commission 佣金 bookkeeping 簿记 bookkeeper 簿记员 an application form 申请单 bank statement 对帐单 letter of credit 信用证 strong room, vault 保险库 equitable tax system 等价税则 specimen signature 签字式样

banking hours, business hours 营业时间

share, equity, stock 股票、股权

negotiable share 可流通股份

treasury /government bond 国库券/政府债券

closed-end securities investment fund 封闭式证券投资基金

open-end securities investment fund 开放式证券投资基金

market capitalization 市值

mark-to-market 逐日盯市

clearing and settlement 清算/结算

put / call option 看跌/看涨期权

rights issue/offering 配股

ADR(American Depository Receipt)美国存托凭证/存股证

GDR(Global Depository Receipt) 全球存托凭证/存股证

institutional investor 机构投资者

proprietary trading 自营

market manipulation 市场操纵

IPO(Initial Public Offering)新股初始公开发行

securities 证券

premium 溢价

share capital 股本

composite index 综合指数

capital market 资本市场

liquidity 流通性

highly-leveraged institutions(HLI) 高杠杆交易机构

subscribe 申购

underwriter承销商

road show 路演

primary market 一级市场

information disclosure 信息披露

blue chips 蓝筹股

gilt-edged bond 金边债券

rating agency 评级机构

credit trading 信用交易

open/close a position 建/平仓

bond, debenture, debts 债券

convertible bond 可转换债券

corporate bond 企业债券

fund manager 基金经理/管理公司

fund custodian bank 基金托管银行

p/e (price/earning) ratio 市盈率

payment versus delivery 银券交付

commodity/financial derivatives 商品/金融衍生产品

margins, collateral 保证金

bonus share 红股

dividend 红利/股息

retail / private investor 个人投资者/散户

broker/dealer 券商

insider trading/dealing 内幕交易

prospectus招股说明书

merger and acquisition收购兼并

warrant 认股权证

raised capital/proceeds 筹资

component index 成份指数

turnover rate 换手率

monetary market 货币市场

hedge fund 对冲基金

self-regulatory organization(SRO)自律组织

issuer 发行人

intermediary 中介机构

secondary listing 第二上市

secondary market 二级市场

controlling shareholder 控股股东

red chips红筹股

junk bond 立即债券

securities loan 融券

financing 融资

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