银行常用词汇中英文对照表

一、银行基础信息

中文 英文

银行 Bank

商业银行 Commercial Bank

国有银行 State-owned Bank

股份制银行 Joint-stock Bank

城市商业银行 City Commercial Bank

农村商业银行 Rural Commercial Bank

外资银行 Foreign-funded Bank

政策性银行 Policy Bank

中央银行 Central Bank

中国人民银行 People's Bank of China (PBC)

中国银行 Bank of China (BOC)

中国工商银行 Industrial and Commercial Bank of China (ICBC)

中国农业银行 Agricultural Bank of China (ABC)

中国建设银行 China Construction Bank (CCB)

交通银行 Bank of Communications (BOCOM)

招商银行 China Merchants Bank (CMB)

浦发银行 Shanghai Pudong Development Bank (SPDB)

中信银行 China CITIC Bank

光大银行 China Everbright Bank

华夏银行 Huaxia Bank

民生银行 China Minsheng Bank

兴业银行 Industrial Bank (CIB)

广发银行 China Guangfa Bank (CGB)

平安银行 Ping An Bank

上海银行 Bank of Shanghai

北京银行 Bank of Beijing

汇丰银行 HSBC

渣打银行 Standard Chartered Bank

花旗银行 Citibank

东亚银行 Bank of East Asia

银行网点 Bank Branch / Outlet

总行 Head Office

分行 Branch

支行 Sub-branch

储蓄所 Savings Office

营业部 Business Department

客服中心 Customer Service Center

电话银行 Telephone Banking

网上银行 Online Banking / Internet Banking

手机银行 Mobile Banking

自助银行 Self-service Bank

24小时银行 24-hour Bank

二、账户与卡类

中文 英文

账户 Account

个人账户 Personal Account

对公账户 Corporate Account

储蓄账户 Savings Account

活期账户 Current Account / Demand Deposit Account

定期账户 Time Deposit Account

结算账户 Settlement Account

基本账户 Basic Account

一般账户 General Account

专用账户 Special Account

临时账户 Temporary Account

银行卡 Bank Card

借记卡 Debit Card

信用卡 Credit Card

贷记卡 Credit Card

准贷记卡 Quasi-credit Card

储蓄卡 Savings Card

金卡 Gold Card

白金卡 Platinum Card

钻石卡 Diamond Card

黑卡 Black Card

联名卡 Co-branded Card

主题卡 Theme Card

芯片卡 Chip Card

磁条卡 Magnetic Stripe Card

虚拟卡 Virtual Card

附属卡 Supplementary Card

主卡 Primary Card

社保卡 Social Security Card

医保卡 Medical Insurance Card

市民卡 Citizen Card

校园卡 Campus Card

工资卡 Salary Card

社保卡金融账户 Social Security Card Financial Account

账户余额 Account Balance

可用余额 Available Balance

账户明细 Account Details / Transaction History

对账单 Bank Statement

电子对账单 Electronic Statement

纸质对账单 Paper Statement

开户 Account Opening

销户 Account Closing

挂失 Loss Reporting

解挂 Loss Cancellation

冻结 Freeze

解冻 Unfreeze

止付 Stop Payment

账户激活 Account Activation

密码重置 Password Reset

密码修改 Password Change

短信通知 SMS Notification

余额变动提醒 Balance Change Alert

三、存款业务

中文 英文

存款 Deposit

活期存款 Current Deposit / Demand Deposit

定期存款 Time Deposit

整存整取 Lump-sum Time Deposit

零存整取 Installment Time Deposit

存本取息 Interest-withdrawing Time Deposit

整存零取 Lump-sum Deposit and Installment Withdrawal

通知存款 Call Deposit

1天通知存款 1-day Call Deposit

7天通知存款 7-day Call Deposit

教育储蓄 Education Savings

大额存单 Large-denomination Certificate of Deposit (CD)

保证金存款 Margin Deposit

协定存款 Agreement Deposit

结构性存款 Structured Deposit

存款利率 Deposit Interest Rate

年利率 Annual Interest Rate

月利率 Monthly Interest Rate

日利率 Daily Interest Rate

基准利率 Benchmark Interest Rate

浮动利率 Floating Interest Rate

固定利率 Fixed Interest Rate

利息 Interest

本金 Principal

本息 Principal and Interest

计息 Interest Calculation

复利 Compound Interest

单利 Simple Interest

利息税 Interest Tax

存款保险 Deposit Insurance

存款凭证 Deposit Certificate

存单 Certificate of Deposit (CD)

存折 Passbook

存款证明 Deposit Certificate / Bank Certificate of Deposit

四、贷款业务

中文 英文

贷款 Loan

个人贷款 Personal Loan

企业贷款 Corporate Loan

经营性贷款 Business Loan

消费贷款 Consumer Loan

住房贷款 Housing Loan / Mortgage

商业贷款 Commercial Loan

公积金贷款 Public Accumulation Fund Loan

组合贷款 Combined Loan

装修贷款 Home Renovation Loan

汽车贷款 Auto Loan / Car Loan

助学贷款 Student Loan

创业贷款 Startup Loan

信用贷款 Credit Loan

担保贷款 Guaranteed Loan

抵押贷款 Mortgage Loan

质押贷款 Pledge Loan

保证贷款 Surety Loan

联保贷款 Joint Guarantee Loan

授信 Credit Line / Credit Granting

额度 Limit / Quota

授信额度 Credit Limit

贷款额度 Loan Limit

贷款期限 Loan Term

短期贷款 Short-term Loan

中期贷款 Medium-term Loan

长期贷款 Long-term Loan

贷款利率 Loan Interest Rate

LPR（贷款市场报价利率） Loan Prime Rate (LPR)

固定利率贷款 Fixed-rate Loan

浮动利率贷款 Floating-rate Loan

等额本息 Equal Principal and Interest

等额本金 Equal Principal

月供 Monthly Payment

首期付款 Down Payment

首付比例 Down Payment Ratio

还款 Repayment

提前还款 Early Repayment

逾期还款 Overdue Repayment

罚息 Penalty Interest

滞纳金 Late Fee

展期 Extension

续贷 Refinancing / Loan Renewal

结清 Payoff / Settlement

不良贷款 Non-performing Loan (NPL)

逾期贷款 Overdue Loan

呆账 Bad Debt

坏账 Bad Debt

征信 Credit Investigation / Credit Reporting

个人征信 Personal Credit Report

企业征信 Corporate Credit Report

征信报告 Credit Report

征信中心 Credit Reference Center

逾期记录 Overdue Record

信用污点 Credit Blemish

信用评级 Credit Rating

担保人 Guarantor

抵押品 Collateral

抵押物 Mortgage Property

质押物 Pledged Asset

五、支付结算

中文 英文

支付 Payment

结算 Settlement

转账 Transfer

跨行转账 Inter-bank Transfer

同行转账 Intra-bank Transfer

实时到账 Real-time Transfer

普通到账 Ordinary Transfer

次日到账 Next-day Transfer

转账限额 Transfer Limit

转账手续费 Transfer Fee

汇款 Remittance

境内汇款 Domestic Remittance

境外汇款 Overseas Remittance

电汇 Telegraphic Transfer (T/T)

信汇 Mail Transfer (M/T)

票汇 Demand Draft (D/D)

西联汇款 Western Union

速汇金 MoneyGram

支票 Check / Cheque

现金支票 Cash Check

转账支票 Transfer Check

普通支票 Ordinary Check

划线支票 Crossed Check

空头支票 Rubber Check / Bounced Check

支票挂失 Check Loss Reporting

汇票 Bill of Exchange / Draft

银行汇票 Bank Draft

商业汇票 Commercial Draft

银行承兑汇票 Bank Acceptance Bill (BA)

商业承兑汇票 Commercial Acceptance Bill (CA)

本票 Promissory Note

银行本票 Bank Promissory Note

信用证 Letter of Credit (L/C)

托收 Collection

委托收款 Entrusted Collection

托收承付 Collection with Acceptance

现金 Cash

现金存款 Cash Deposit

现金取款 Cash Withdrawal

大额现金 Large Amount Cash

现金管理 Cash Management

点钞 Cash Counting

验钞 Counterfeit Detection

假币 Counterfeit Money

人民币 Renminbi (RMB)

美元 US Dollar (USD)

欧元 Euro (EUR)

日元 Japanese Yen (JPY)

英镑 British Pound (GBP)

港币 Hong Kong Dollar (HKD)

澳元 Australian Dollar (AUD)

加元 Canadian Dollar (CAD)

外币 Foreign Currency

结汇 Foreign Exchange Settlement

售汇 Foreign Exchange Sale

购汇 Foreign Exchange Purchase

外汇牌价 Foreign Exchange Rate

现汇买入价 Spot Buying Rate

现钞买入价 Cash Buying Rate

现汇卖出价 Spot Selling Rate

现钞卖出价 Cash Selling Rate

中间价 Middle Rate

汇率 Exchange Rate

外汇账户 Foreign Currency Account

跨境支付 Cross-border Payment

银联 UnionPay

银联卡 UnionPay Card

云闪付 Cloud QuickPass

支付宝 Alipay

微信支付 WeChat Pay

第三方支付 Third-party Payment

快捷支付 Quick Payment

扫码支付 QR Code Payment

刷脸支付 Face Payment

指纹支付 Fingerprint Payment

免密支付 Password-free Payment

代扣 Automatic Deduction

代发 Automatic Payment

代发工资 Salary Payment

代收水电费 Utility Bill Payment

缴费 Bill Payment

话费充值 Mobile Top-up

流量充值 Data Top-up

生活缴费 Life Payment

税费缴纳 Tax Payment

六、理财与投资

中文 英文

理财 Wealth Management / Financial Planning

理财产品 Wealth Management Product

个人理财 Personal Wealth Management

企业理财 Corporate Wealth Management

保本理财 Capital-guaranteed Wealth Management

非保本理财 Non-capital-guaranteed Wealth Management

固定收益理财 Fixed-income Wealth Management

浮动收益理财 Floating-income Wealth Management

封闭式理财 Closed-end Wealth Management

开放式理财 Open-end Wealth Management

净值型理财 Net-value Wealth Management

预期收益 Expected Return

实际收益 Actual Return

年化收益率 Annualized Rate of Return

业绩基准 Performance Benchmark

风险等级 Risk Level

低风险 Low Risk

中低风险 Low-to-medium Risk

中风险 Medium Risk

中高风险 Medium-to-high Risk

高风险 High Risk

风险评估 Risk Assessment

合格投资者 Qualified Investor

基金 Fund

货币基金 Money Market Fund

债券基金 Bond Fund

股票基金 Stock Fund

混合基金 Hybrid Fund

指数基金 Index Fund

ETF（交易型开放式指数基金） Exchange Traded Fund (ETF)

LOF（上市型开放式基金） Listed Open-end Fund (LOF)

基金定投 Fund Fixed Investment

基金申购 Fund Subscription

基金赎回 Fund Redemption

基金净值 Fund Net Asset Value (NAV)

基金费率 Fund Fee

申购费 Subscription Fee

赎回费 Redemption Fee

管理费 Management Fee

托管费 Custodian Fee

债券 Bond

国债 Treasury Bond

地方政府债 Local Government Bond

金融债 Financial Bond

企业债 Corporate Bond

公司债 Company Bond

可转债 Convertible Bond

债券收益率 Bond Yield

股票 Stock / Share

A股 A-share

B股 B-share

H股 H-share

股票交易 Stock Trading

证券账户 Securities Account

三方存管 Third-party Custody

保险 Insurance

人寿保险 Life Insurance

健康保险 Health Insurance

意外险 Accident Insurance

财产保险 Property Insurance

车险 Auto Insurance

家财险 Home Insurance

保险理财 Insurance Wealth Management

年金险 Annuity Insurance

万能险 Universal Life Insurance

分红险 Participating Insurance

投连险 Investment-linked Insurance

贵金属 Precious Metals

黄金 Gold

白银 Silver

铂金 Platinum

钯金 Palladium

实物黄金 Physical Gold

纸黄金 Paper Gold

黄金ETF Gold ETF

黄金积存 Gold Accumulation Plan

外汇理财 Foreign Exchange Wealth Management

结构性产品 Structured Product

信托 Trust

家族信托 Family Trust

资产管理 Asset Management

投资组合 Investment Portfolio

资产配置 Asset Allocation

复利投资 Compound Investment

定投 Fixed Investment

止盈 Take Profit

止损 Stop Loss

流动性 Liquidity

收益率 Rate of Return

波动率 Volatility

风险溢价 Risk Premium

七、国际业务

中文 英文

国际业务 International Business

跨境业务 Cross-border Business

离岸业务 Offshore Business

离岸账户 Offshore Account

NRA账户（境外机构境内账户） Non-resident Account (NRA)

OSA账户（离岸账户） Offshore Account (OSA)

自由贸易账户 Free Trade Account (FT Account)

国际结算 International Settlement

贸易融资 Trade Finance

进口信用证 Import Letter of Credit (L/C)

出口信用证 Export Letter of Credit (L/C)

进口代收 Import Collection

出口托收 Export Collection

打包贷款 Packing Loan

出口押汇 Export Bill Purchase

进口押汇 Import Bill Advance

福费廷 Forfaiting

保理 Factoring

国际保理 International Factoring

出口信用保险 Export Credit Insurance

外汇风险管理 Foreign Exchange Risk Management

远期结售汇 Forward Foreign Exchange Settlement and Sale

外汇掉期 Foreign Exchange Swap

货币掉期 Currency Swap

外汇期权 Foreign Exchange Option

汇率风险 Exchange Rate Risk

利率风险 Interest Rate Risk

跨境人民币业务 Cross-border RMB Business

人民币跨境结算 RMB Cross-border Settlement

人民币国际化 RMB Internationalization

境外直接投资 Overseas Direct Investment (ODI)

外商直接投资 Foreign Direct Investment (FDI)

外债 External Debt

内保外贷 Domestic Guarantee for Overseas Loan

外保内贷 Overseas Guarantee for Domestic Loan

国际收支 Balance of Payments (BOP)

常常项目 Current Account

资本项目 Capital Account

外汇管理 Foreign Exchange Administration

外汇局 State Administration of Foreign Exchange (SAFE)

国际汇款 International Remittance

旅行支票 Traveler's Check

外币兑换 Foreign Currency Exchange

退税 Tax Refund

境外消费 Overseas Consumption

跨境电商 Cross-border E-commerce

自贸试验区 Free Trade Pilot Zone

八、服务与人员

中文 英文

服务 Service

柜面服务 Counter Service

自助服务 Self-service

贵宾服务 VIP Service

私人银行 Private Banking

私人银行客户 Private Banking Client

财富管理中心 Wealth Management Center

客户经理 Customer Manager / Account Manager

理财经理 Wealth Manager

大堂经理 Lobby Manager

柜员 Teller

现金柜员 Cash Teller

非现金柜员 Non-cash Teller

对公柜员 Corporate Teller

对私柜员 Personal Teller

信贷员 Loan Officer

风险经理 Risk Manager

合规经理 Compliance Manager

审计师 Auditor

会计师 Accountant

精算师 Actuary

行长 President / Bank Manager

副行长 Vice President

部门经理 Department Manager

员工 Staff / Employee

客户 Customer / Client

个人客户 Personal Customer

企业客户 Corporate Customer

贵宾客户 VIP Customer

潜在客户 Potential Customer

客户回访 Customer Follow-up

客户投诉 Customer Complaint

客户满意度 Customer Satisfaction

服务热线 Service Hotline

客服电话 Customer Service Phone

投诉电话 Complaint Hotline

网点排队 Queue at Branch

叫号机 Queuing Machine

叫号 Call Number

排队号 Queue Number

等候区 Waiting Area

贵宾室 VIP Room

洽谈室 Meeting Room

档案室 Archives Room

金库 Vault

安保 Security

押运 Cash Escort

清分 Clearing

清算 Settlement

对账 Account Reconciliation

审计 Audit

合规 Compliance

风控 Risk Control

反洗钱 Anti-money Laundering (AML)

反欺诈 Anti-fraud

客户身份识别 Customer Identification

KYC（了解你的客户） Know Your Customer (KYC)

尽职调查 Due Diligence

可疑交易 Suspicious Transaction

大额交易 Large-value Transaction

交易监测 Transaction Monitoring

数据安全 Data Security

信息保密 Information Confidentiality

隐私保护 Privacy Protection

九、费用与证件

中文 英文

手续费 Service Fee / Handling Fee

年费 Annual Fee

工本费 Production Fee

挂失费 Loss Reporting Fee

补卡费 Card Replacement Fee

跨行手续费 Inter-bank Fee

跨境手续费 Cross-border Fee

汇款手续费 Remittance Fee

电报费 Cable Fee

邮费 Postage

滞纳金 Late Fee

罚息 Penalty Interest

违约金 Liquidated Damages

账户管理费 Account Management Fee

小额账户管理费 Low-balance Account Fee

短信服务费 SMS Service Fee

网银服务费 Online Banking Fee

手机银行服务费 Mobile Banking Fee

信用卡年费 Credit Card Annual Fee

取现手续费 Cash Withdrawal Fee

分期手续费 Installment Fee

利息 Interest

费率 Rate

免费 Free of Charge

优惠 Discount / Preferential

减免 Waiver

证件 Certificate / Document

身份证 ID Card / Identity Card

护照 Passport

军官证 Military Officer Card

士兵证 Soldier Card

港澳通行证 Hong Kong and Macau Pass

台湾通行证 Taiwan Pass

居住证 Residence Permit

营业执照 Business License

组织机构代码证 Organization Code Certificate

税务登记证 Tax Registration Certificate

开户许可证 Account Opening Permit

信用代码证 Unified Social Credit Code Certificate

法人身份证 Legal Representative ID Card

授权委托书 Power of Attorney

合同 Contract

协议 Agreement

申请书 Application Form

申请表 Application Form

证明 Certificate

介绍信 Letter of Introduction

回执 Receipt

凭证 Voucher

发票 Invoice

收据 Receipt

十、其他常用词汇

中文 英文

金融 Finance

银行业 Banking Industry

金融市场 Financial Market

货币市场 Money Market

资本市场 Capital Market

信贷市场 Credit Market

同业市场 Interbank Market

金融监管 Financial Supervision

银保监会 China Banking and Insurance Regulatory Commission (CBIRC)

证监会 China Securities Regulatory Commission (CSRC)

金融稳定 Financial Stability

系统性风险 Systemic Risk

流动性风险 Liquidity Risk

信用风险 Credit Risk

市场风险 Market Risk

操作风险 Operational Risk

合规风险 Compliance Risk

声誉风险 Reputational Risk

金融创新 Financial Innovation

金融科技 FinTech

区块链 Blockchain

大数据 Big Data

人工智能 Artificial Intelligence (AI)

云计算 Cloud Computing

数字化转型 Digital Transformation

普惠金融 Inclusive Finance

绿色金融 Green Finance

乡村振兴金融 Rural Revitalization Finance

供应链金融 Supply Chain Finance

消费金融 Consumer Finance

汽车金融 Auto Finance

住房金融 Housing Finance

养老金融 Pension Finance

金融知识 Financial Knowledge

金融素养 Financial Literacy

投资者教育 Investor Education

金融消费者 Financial Consumer

金融消费者权益 Financial Consumer Rights

维权 Rights Protection

金融诈骗 Financial Fraud

电信诈骗 Telecom Fraud

非法集资 Illegal Fund-raising

洗钱 Money Laundering

逃汇 Foreign Exchange Evasion

套汇 Arbitrage

金融安全 Financial Security

经济 Economy

宏观经济 Macroeconomy

微观经济 Microeconomy

货币政策 Monetary Policy

财政政策 Fiscal Policy

利率政策 Interest Rate Policy

汇率政策 Exchange Rate Policy

通货膨胀 Inflation

通货紧缩 Deflation

经济增长 Economic Growth

经济周期 Economic Cycle

金融危机 Financial Crisis

银行危机 Banking Crisis

债务危机 Debt Crisis

信用危机 Credit Crisis

流动性危机 Liquidity Crisis

金融稳定委员会 Financial Stability Committee

存款保险制度 Deposit Insurance System

最后贷款人 Lender of Last Resort

金融自由化 Financial Liberalization

金融全球化 Financial Globalization

金融开放 Financial Opening-up

人民币国际化 RMB Internationalization

一带一路金融 Belt and Road Finance

自贸区金融 Free Trade Zone Finance

金融中心 Financial Center

上海国际金融中心 Shanghai International Financial Center

北京金融街 Beijing Financial Street

陆家嘴金融城 Lujiazui Financial City