銀行相關用語 01 Asian Development Bank (ADB) 亞洲開發銀行 02 accommodation 融通 03 accrual basis 權責制（銀行部位） 04 acquiring bank 信用卡收單銀行 05 affinity card 認同卡 06 amortization 攤還 07 assets allocation fund 資產重置型基金 08 assets management corporation (AMC) 資產管理公司 09 auto finance 汽車融資 10 automated teller machine (ATM) 自動櫃員機 11 back-to-back letter of credit 轉開信用狀 12 Bank for International Settlement (BIS) 國際結算銀行 13 bad debt 呆帳；壞帳 14 bank debenture 銀行債券 15 bank run 銀行擠兌 16 bankers’ acceptance 銀行承兌匯票 17 beater 持票人 18 bounced (rubber) check 退票 19 call loan 拆款 20 call-loan center 拆借中心 21 capital adequacy ratio 資本適足率 22 card holder 信用卡持有人 23 charge card 簽帳卡 24 chip card 晶片卡 25 clearing bank 清算銀行 26 collateral 擔保品 27 compound interest 複利 28 consumer banking 消費金融 29 correspondent bank 業務往來銀行 30 credit cooperative 信用合作社 31 credit line 授信額度 32 credit rating 信用評等 33 creditor bank 債權銀行 34 cross-currency swap (CCS) 換利換匯 35 crossed check 劃線支票 36 custodian bank 保管銀行 37 delinquent account 欠帳客戶 38 delinquent 逾期還款 39 delivery forward (DF) 有本金交割遠期外匯 40 demand deposit 活期存款 41 deposit rate 存款牌告利率 42 DIP (debtor-in-possession) financing 破產企業融資 43 discount 貼現 44 dishonored account 拒絕往來戶 45 draft 匯票 46 drawee (payer) 付款人 47 drawer 發票人 48 electronic transfer 電匯 49 endorsement 背書 50 exchange memo 外匯水單 51 European Bank for Reconstruction and Development (EBRD) 歐洲復興開發銀行 52 European Central Bank 歐洲中央銀行 53 factoring 託收 54 fixed rate relending facilities (FRRF) 固定利率轉融資 55 floating interest rate 浮動利率 56 floating rate certificate of deposits 浮動利率可轉讓定存單 57 foreclosure 沒收質押品 58 foreign currency deposit 外幣存款 59 foreign exchange arbitrage 套匯 60 forex designated banks 外匯指定銀行 61 forex settlement 結匯 62 forex surfeit 外匯買超部位 63 forward forex buying (selling) 預購（售）遠期外匯 64 forward forex transaction 遠期外匯貿易 65 forward market 遠匯市場 66 forward selling 預售（外匯） 67 industrial bank 工業銀行 68 installment financing 分期付款 69 interest arbitrage 以利率套利 70 interest rate spread 利率差距 71 investment rate swap (IRS) 利率交換 72 investment bank 投資銀行 73 investment financing system 投融資制度 74 issuing bank 信用卡發卡銀行 75 large-denomination loan 大額放款 76 law of negotiable instruments 票據法 77 lead bank 主辦銀行 78 letter of credit (L/C) 信用狀 79 line of credit 信用額度 80 loan refinancing 重新貸款 81 loan tenure 貸款期限 82 local letters of credit 本地信用狀 83 London interbank offered rate (LIBOR) 倫敦拆款利率 84 merchant 信用卡特約銀行 85 merchant bank 商人銀行 86 mortgage 抵押 87 negotiable certificate of deposits (NCD) 可轉讓定存單 88 negotiable check 可轉讓支票 89 negotiable instruments 可轉讓票據 90 negotiation 押匯 91 non-delivery forward (NDF) 無本金交割遠匯 92 non-operation income offshore banking 業外收益 93 offshore banking unit (OBU) 境外金融 94 offshore-banking operation 境外金融中心 95 open check 無劃線支票 96 over-banking 過多的銀行競爭 97 passbook (demand) deposit 活期存款 98 passbook savings account 活期儲蓄存款 99 payee 收款人 100 post-dated checks 遠期支票 101 preferred customer 銀行貴賓客戶 102 prime lending rate 基本放款利率 103 premium 升水 104 private bank 私人銀行 105 project financing 專案融資 106 rediscount 重貼現 107 relending facility 轉融資 108 remittance 匯款 109 required reserve ratio 存款準備率 110 revolving credit 循環信用 111 secured loan 擔保放款 112 sight check 即期支票 113 sight letters of credit 即期信用狀 114 standby LC 擔保信用狀 115 supplementary card 附卡 116 syndicated loan 聯合貸款 117 time deposit 定期存款 118 usance L/C遠期信用狀 119 withdraw 提款