1.Money supply 货币供应

The inflation would be reduced through controlling the money supply.

可以通过控制货币供应量来缓解通货膨胀。

相关术语：austerity budget紧缩财政；pricing policy价格政策；supply policy 供给政策

2.Margin 保证金

deposit of transaction margin

存入交易保证金

注：refundable deposits存出保证金，企业按规定交存的保证金，包括交易保证金、存出分保准备金、存出理赔保证金、存出共同海损保证金、存出其他保证金等。存出保证金应按实际存出的金额入账，一般金融企业会使用存入保证金和存出保证金这两个科目。

3.Maturity 到期

Important characteristics of bonds include face value, maturity date, and coupon rate.

债券的重要特征包括面值、到期日和票面利率等。

相关术语：int payment付息方式；repayment偿还方式；credit rating信用评级

4.Minimum balance 最小余额

Like our standard checking account, which features no minimum balance, no monthly fees, and lets you write up to 300 checks a month.

与我们的标准支票账户一样，该账户没有最低余额，没有月费，并且可以让您每月填写多达300张支票。

注：saving account储蓄账户，指存款人办理日常转账结算和现金收付而开立的银行结算账户，是存款人的主办账户；支票账户，指在商业银行或其他金融机构中的存款，允许以支票方式提款，故属于交易货币，也称为支票存款。

5.Money market deposit account 货币市场存款账户

A money market deposit account often offers limited check-writing privileges and pays an interest rate that is typically higher than a regular savings account but lower than a certificate of deposit or other time deposit.

货币市场存款账户提供的支票填写权限通常是有限的，利率通常高于普通储蓄账户，但低于存款证或其他定期存款利率。

6.Money market fund 货币市场基金

Money market funds are widely (though not necessarily accurately) regarded as being as safe as bank deposits yet providing a higher yield.

人们广泛认为（尽管未必如此）货币市场基金与银行存款一样安全，但它的收益却更高。

相关术语：contractual fund契约型投资基金；corporate funds公司型投资基金

7.Mortgage 抵押

A debt instrument used in a real estate transaction where the property is the collateral for the loan.A mortgage gives the lender a right to take possession of the property if the borrower fails to pay off the loan.

抵押是房地产交易中使用的债务工具，其中房产是贷款的抵押品。如果借款人未能清偿贷款，则贷款人有权占有该房产。

注：collateral抵押品，又称担保品，指银行发放贷款时作为抵押的实物，主要有土地、房屋、有价证券和商品等。

8.Negotiable Order of Withdrawal Account （NOW）面议提款账户

Negotiable Order of Withdrawal Account is an interest-bearing account for which the bank must reserve the right to require the depositor to provide at least seven days notice of his/her intent to withdraw funds.

面议提款账户（NOW）是一种计息账户，对于此类账户，银行必须保留权利，要求存款人至少提前七天通知提款意向。

注：non-interest bearing account 无息账户

9.Official check 本票

Official check are treated as guaranteed funds because the bank, rather than the purchaser,is responsible for paying the amount.

本票被视为有担保的资金，因为支付金额的是银行而不是买方。

相关术语：cash cheque现金支票；cheque for transfer转账支票

10.Online banking 网上银行

Online banking, filling out job applications, and even using a smart phone, all require functional literacy.

使用网上银行，填写工作申请，甚至使用智能手机时，都需要功能性识字能力。

注：functional literacy功能性识字，指个人所获得的知识与读写技巧，可以使其在所处的文化或团体中，正常地从事各种活动。

11.Open-end credit 开放式信用

Open-end credit agreements are good for borrowers because it gives them more control over when and how much they borrow.

开放式信用协议对借方有好处，因为它给予了借方更多对借贷的时间和金额的控制权。

注：borrower借方，或借款人，向贷方（尤其是银行）借款的个人或组织机构。

12.Operating subsidiary 运营子公司

An operating subsidiary is a business term frequently used within the United States in corporate profile descriptions.

在美国，运营子公司是公司简介中常用的商业术语。

注：independent legal entity独立法人

13.Outstanding check 未兑现支票

An outstanding check represents a liability for the payor.The payor must be sure to keep enough money in the account to cover the amount of the outstanding check until it is cashed,which could take weeks or even months.(www.daowen.com)

未兑现支票对付款人来说是一项负债，在支票未兑现的数周甚至数月中，付款人必须确保在账户中存有足够款项来支付支票金额。

相关术语：cheque to transfer 转账支票；canceled cheque 已付支票

14.Overdraft 透支

If there is a prior agreement with the account provider for an overdraft, and the amount overdrawn is within the authorized overdraft limit, then interest is normally charged at the agreed rate.

如果事先与账户提供商达成透支协议，并且透支金额在授权透支限额内，则通常按商定的利率收取利息。

注：benchmark interest rate基准利率

15.Minimum payment 最低付费

This credit card minimum payment calculator will show you how long it would take to pay off your credit card if only the minimum payment was made.

这个信用卡最低支付计算器会告诉您，如果只支付最低金额的话，需要多久才能还清您的信用卡。

注：interest calculator利息计算器

16.Overlimit 超限

If the balance owing on the account for the revolving loan exceeds the credit limit, we may charge an overlimit fee as set out in the service fee table or loan agreement.

倘若循环贷款账户上的结欠超过信贷限额，我们可按服务收费表或贷款协议书征收超限费用。

注：loan agreement贷款协议，是中长期贷款中，借贷双方之间签订的贷款协议。

17.Payment method 付款方式

Payment method refers to the specific practice adopted by the payer to perform the obligation of the bill.

付款方式指付款人履行票据义务的具体做法。

注：paying agent付款代理人

18.Presenting bank 提示银行

Presenting Bank is the bank that points to the payer to draw the draft and the documents.

提示银行指向付款人出具汇票和单据的银行。

相关术语：online banking网上银行

19.Packing loan 信用证抵押贷款

Packing loan: the exporter applies for a short-term loan under original letter of credit used as guarantee.The loan is used to ensure funds for production and shipping.

信用证抵押贷款：出口商以信用证正本作抵押，申请短期贷款，贷款用于确保生产和运输的资金。

相关术语：housing mortgage loan住房抵押贷款

20.Renewal 转存

Renewal is a kind of capital turnover of the bank.

转存是银行的一种资本周转方式。

注：capital turnover资本周转

21.Period 时间长度

We shall be pleased to receive a fixed deposit for any amount more than $1, 000, for a period over six months at the rate of 6％ p.a.(www.ebigear.com)

定期存款条件为年利6％，存期6个月以上，只要存款金额超过1 000美元我们均乐意接受。

注：（1）fixed deposit 定期存款，同义词：time deposit， term deposit；反义词：current deposit， demand deposit， liquid deposit；（2）相关术语：deposit account 存款账户；open an account 开账户

22.Passbook 存折

A passbook or bankbook is a paper book used to record bank transactions on a deposit account.

The current balance is held by the passbook, which also keeps a record of the transactions on the account.(www.ibm.com)

存折是用于记录存款账户上银行交易的纸本。

存折上记录了该账户当前的存款余额，和交易记录。

注：（1）transaction 交易，业务；（2）相关术语：transaction cost 交易成本；transaction tax 交易税，流通税；transaction code 交易代码；transaction exposure 产品交易风险；transaction journal 交易日志；transaction time 交易时间；transaction proceed 进行交易

23.Reserve ratio 存款准备金率

The reserve ratio is the percentage of reserves a bank is required to hold against deposits.(Forbes: How Has The Fed Evolved?)

存款准备金率指的是，银行需要针对存款而持有的准备金所占百分比。

24.Proceeds 收益

It banned them from competing with the banks by lending out the proceeds to other companies.(Forbes: The sun also rises)

相关规定禁止他们通过将收益借给其他公司来与银行竞争。

注：（1）ban v.禁止；取缔；把……逐出；n.禁止；禁令；逐出令；褫夺公民权的判决；诅咒；（2）相关词组：ban on 禁止……；ban for 禁止对……