信贷基本词汇英汉对照(2)
Financial flexibility 财务弹性
Financial forecast 财务预测
Financial instability 财务的不稳定性
Financial rating analysis 财务评级分析
Financial ratios 财务比率
Financial risk 财务风险
Financial risk ratios 财务风险比率
Fitch IBCA 惠誉评级
Fitch IBCA ratings 惠誉评级
Fixed assets 固定资产
Fixed charge 固定费用
Fixed charge cover 固定费用保障倍数
Fixed costs 固定成本
Floating assets 浮动资产
Floating charge 浮动抵押
Floor planning 底价协议
Focus 聚焦
Forced sale risk 强制出售风险
Foreign exchange markets 外汇市场
Forfaiting 福费廷
Formal credit rating 正式信用评级
Forward rate agreements 远期利率协议
FRAs 远期利率协议
Fund managers 基金经理
FX transaction 外汇交易
GAAP 公认会计准则
Gearing 财务杠杆率
Geographical spread of markets 市场的地理扩展
Global target 全球目标
Going concern concept 持续经营原则
Good lending 优质贷款
Good times 良好时期
Government agencies 政府机构
Government interference 政府干预
Gross income 总收入
Guarantee of payment 支付担保
Guaranteed loans 担保贷款
Guarantees 担保
High credit quality 高信贷质量
High credit risks 高信贷风险
High default risk 高违约风险
High interest rates 高利率
High risk regions 高风险区域
Highly speculative 高度投机
High-risk loan 高风险贷款
High-value loan 高价值贷款
Historical accounting 历史会计处理
Historical cost 历史成本
IAS 国际会计准则
IASC 国际会计准则委员会
IBTT 息税前利润
ICE 优质贷款原则
Idealliquidity ratios 理想的流动性比率
Implied debt rating 隐含债务评级
Importance of credit control 信贷控制的重要性
Improved products 改进的产品 I
Improving reported asset values 改善资产账面价值
In house assessment 内部评估
In house credit analysis 内部信用分析
In house credit assessments 内部信用评估
In house credit ratings 内部信用评级
Income bonds 收入债券
Income statement 损益表
Increasing profits 提高利润
Increasing reported profits 提高账面利润
Indemnity clause 赔偿条款
Indicators of credit deterioration 信用恶化征兆
Indirect loss 间接损失
Individual credit transactions 个人信用交易
Individual rating 个体评级
Industrial reports 行业报告
Industrial unrest 行业动荡
Industry limit 行业限额
Industry risk 行业风险
Industry risk analysis 行业风险分析
Inflow 现金流入
Information in financial statements 财务报表中的信息
In-house credit ratings 内部信用评级
Initial payment 初始支付
Insolvencies 破产
Institutional investors 机构投资者
Insured debt 投保债务
Intangible fixed asset 无形固定资产
Inter-company comparisons 企业间比较
Inter-company loans 企业间借款
Interest 利息
Interest cost 利息成本
Interest cover ratio 利息保障倍数
Interest cover test 利息保障倍数测试
Interest holiday 免息期
Interest payments 利息支付
Interest rates 利率
Interim statements 中报(中期报表)
Internal assessment methods 内部评估方法
Internal financing ratio 内部融资率
Internal Revenue Service 美国国税局
International Accounting Standards Committee 国际会计准则委员会
International Accounting Standards(IAS) 国际会计准则
International Chamber of Commerce 国际商会
International credit ratings 国际信用评级
International Factoring Association 国际代理商协会
International settlements 国际结算
Inventory 存货
Inverse of current ratio 反转流动比率
Investment analysts 投资分析人员
Investment policy 投资政策
Investment risk 投资风险
Investment spending 投资支出
Invoice discounting 发票贴现
Issue of bonds 债券的发行
Issued debt capital 发行债务资本
Junk bond status 垃圾债券状况
Just-in-time system(JIT) 适时系统
Key cash flow ratios 主要现金流量指标
Labor unrest 劳动力市场动荡
Large．scale borrower 大额借贷者
Legal guarantee 法律担保
Legal insolvency 法律破产
Lending agreements 贷款合约
Lending covenants 贷款保证契约
Lending decisions 贷款决策
Lending proposals 贷款申请
Lending proposition 贷款申请
Lending transactions 贷款交易
Letters of credit 信用证
Leverage 财务杠杆率
LIBOR 伦敦同业拆借利率
Lien 留置
Liquid assets 速动资产
Liquidation 清算
Liquidation expenses 清算费
Liquidity 流动性
Liquidity and working capital 流动性与营运资金
Liquidity ratios 流动比率
Liquidity run 流动性危机
Liquidity shortage 流动性短缺
Loan covenants 贷款合约
Loan guarantees 贷款担保
Loan principal 贷款本金
Loan principal repayments 贷款本金偿还
Loan review 贷款审查
London Inter-bank Offered Rate 伦敦同业拆借利率
Long’term debt 长期负债
Long-term funding 长期融资
Long-term risk 长期风险
Management 管理层
Marginal lending 边际贷款
Marginal trade credit 边际交易信贷
Market surveys 市场调查
Marketing 市场营销
Markets 市场
Matching concept 配比原则
Material adverse-change clause 重大不利变动条款
Maximum leverage level 最高财务杠杆率限制
Measurement and judgment 计量与判断
Measuring risk 风险计量
Medium-term loan 中期贷款
Microcomputer modelling 计算机建模
Minimum current ratio requirement 最低流动比率要求
Minimum leverage ratio 最低举债比率
Minimum net worth 最低净值
Minimum net-worth requirement 最低净值要求
Minimum risk asset ratio 最低风险资产比率
Monitoring activity 监管活动
Monitoring credit 信用监控
Monitoring customer credit limits 监管客户信贷限额
Monitoring risks 监管风险
Monitoring total credit limits 监管全部信贷限额
Monthly reports 月报
Moody's debt rating 穆迪债券评级
Mortgage 抵押
mpr’oving balance sheet 改善资产负债表
Multiple discriminate analysis 多元分析
National debt 国家债务
NCI 无信贷间隔天数
Near-cash assets 近似于现金的资产
Negative cash flow 负现金流量
Negative net cash flow 负净现金流量
Negative operational cash flows 负的经营性现金流量
Negative pledge 限制抵押
Net book value 净账面价值
Net cash flow 净现金流量
Net worth test 净值测试
New entrants 新的市场进人者
No credit interval 无信贷间隔天数
Non-cash items 非现金项目
Non-core business 非核心业务
Non-operational items 非经营性项目
Obtaining payment 获得支付
One-man rule 一人原则
Open account terms 无担保条款
Operating leases 经营租赁
Operating profit 营业利润
Operational cash flow 营性现金流量
Operational flexibility ~营弹性
Optimal credit 最佳信贷
Order cycle 订货环节
Ordinary dividend payments 普通股股利支付
Organization of credit activities 信贷活动的组织
Overdue payments 逾期支付
Over-trading 过度交易
Overview of accounts 财务报表概览·
Parent company 母公司
PAT 税后利润
Payment in advance 提前付款
Payment obligations 付款义务
Payment records 付款记录
Payment score 还款评分
PBIT 息税前利润
PBT 息后税前利润
Percentage change 百分比变动
Performance bonds 履约保证
Personal guarantees 个人担保
Planning systems 计划系统
Pledge 典押
Points-scoring system 评分系统
Policy setting 政策制定
Political risk 政治风险
Potential bad debt 潜在坏账
Potential credit risk 潜在信用风险
Potential value 潜在价值
Predicting corporate failures 企业破产预测
Preference dividends 优先股股息
Preferred stockholders 优先股股东
Preliminary assessment 预备评估
Premiums 溢价
Primary ratios 基础比率
Prior charge capital 优先偿付资本
Priority cash flows 优先性现金流量
Priority for creditors 债权人的清偿顺序
Priority payments 优先支付
Product life cycle 产品生命周期
Product market analysis 产品市场分析
Product range 产品范围
Products 产品
Professional fees 专业费用
Profit 利润
Profit and loss account 损益账户
Profit margin 利润率
Profitability 盈利能力
Profitability management 盈利能力管理
Profitability ratios 盈利能力比率
Promissory notes 本票
Property values 所有权价值
Providers of credit 授信者
Provision accounting 准备金会计处理
Prudence concept 谨慎原则
Public information 公共信息
Public relations 公共关系
Purpose of credit ratings 信用评级的目的
Purpose of ratios 计算比率的目的
Qualitative covenants 定性条款
Quantitative covenants 定量条款
Query control 质疑控制
Quick ratio 速动比率
Rating exercise 评级实践
Rating process for a company 企业评级程序
Ratio analysis 比率分析
Ratio analyst weaknesses ~L率分析的缺陷
Real insolvency 真实破产
Real sales growth 实际销售收入增长率
Realization concept 实现原则
Receivables 应收账款
Recession 衰退
Reducing debtors 冲减应收账款
Reducing profits 冲减利润
Reducing provisions 冲减准备金
Reducing reported profits 冲减账面利润
Reducing stocks 减少存货
Registrar of Companies 企业监管局
Regulatory risk 监管风险
Releasing provisions 冲回准备金
Relocation expenses 费用再分配
Reminder letters 催缴单
Repayment on demand clause 即期偿还条款
Replacement of principal 偿还本金
Report of chairman 总裁／董事长报告
Reserve accounting 准备金核算
Residual cash flows 剩余现金流量
Restricting bad debts 限制坏账
Restrictions on secured borrowing 担保借款限制
Retention-of-title clauses 所有权保留条款
Revenues 总收入
Risk analysis reports 风险分析报告
Risk and banks 风险与银行
Risk and companies 风险与企业
Risk and Return 风险与回报
Risk capital 风险资本
Risk-reward 风险回报
Risk-weighted assets 风险加权资产
ROCE 资本收益率
Romapla clauses “一手交钱一手交货”条款
Sales 销售额
Secondary ratios 分解比率
Secure methods of payment 付款的担保方式
Secured assets 担保资产
Secured creditors 有担保债权人
Secured loans 担保贷款
Securities and Exchange Commission (美国)证券交易委员会
Security guarantees 抵押担保
Security of payment 付款担保
Security general principles 担保的一般原则
Segmentation 细分
Setting and policing credit limits 信用限额的设定与政策制定
Settlement discount (提前)结算折扣
Settlement terms 结算条款
Share price 股价
Short-term borrowing 短期借款
Short-term creditors 短期负债
Short-term liabilities 短期债务
Short-termism 短期化
SIC 常务诠释委员会
Significance of working capital 营运资金的重要性
Single credit customer 单一信用客户
Single ratio analysis 单一比率分析
Size of credit risk 信用风险的大小
Slow stock turnover 较低的存货周转率
Sources of assessments 评估信息来源
Sources of credit information 信用信息来源
Sources of risk 风险来源
Sovereign rating 主权评级
Specialist agencies 专业机构
Specific debt issue 特别债券发行
Speculative 投机性
Speculative grades 投机性评级
Split rating 分割评级
Spot rate 现价(即期比率)
Spreadsheets 电子数据表
Staff redundancies 员工遣散费
Standard and Poor 标准普尔
Standard security clauses 标准担保条款
Standard&Poor's 标准普尔
Standby credits 备用信用证
Standing Interpretations Committee 证券交易委员会
Standing starting credit limits 持续更新信用限额
Statistical analysis 统计分析
Statistical techniques 统计技巧
Status reports (企业)状况报告
Stock valuations 存货核算
Stocks 股票
Straight line depreciation method 直线折旧法
Strategic positioning 战略定位
Suplus assets 盈余资产
Suplus rating 盈余评级
Supplier power 供应商的力量
Supply chain 供应链
Support rating 支持评级
Swap agreement 换合约
Swaps 互换
SWOT analysis SWOT分析
Symptoms of failure questionnaires 企业破产征兆调查表
Takeovers 收购
Tax payments 税务支付
Technical insolvency 技术破产
Technology and change 技术进步
Term loan 定期贷款
Term of borrowing 借款期限
Third party guarantees 第三方担保
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