glosar de termeni bancari - in engleza

19
GUARANTEES OR BONDS guarantee = bond = garantie; bank guarantee = garantie bancara; guarantor = garant; tender = bid bond = garantie pentru licitatie; performance bond = garantie de aducere la indeplinire; retention bond = garantie de retinere; demand guarantee = garantie la cerere; principal = ordonator; MONEY SERVICES advise = sfat, informatie; (aici) aviz; Airmail Transfer = transfer prin posta aeriana; application form = formular de cerere; at sight/at presentation = la vedere/la prezentare; available funds = fonduri disponibile; Banker’s draft = polita bancherului; banking clerk = functionar bancar; banknotes = bancnote; bearer = purtator; bearer bonds = titluri la purtator; blank endorsement = andosare in alb; by air = pe calea aerului; by cable = telegrafic; by endorsement = prin andosare; by ordinary trasfer of debts = prin simplul transfer al creantelor; cash = numerar, bani lichizi; cashier = casier; certificate cheque = cec certificat; cheque = cec; cheque payable to bearer = cec la purtator; client = customer = client; coins = monede; collect (to) = a incasa; collection process = procesul de incasare; compulsory mentions = mentiuni obligatorii; cross = barare; crossed cheque = cec barat; drawee = tras; drawee bank = banca trasului, in acest caz banca platitoare; drawer = tragator; duties = indatoriri; sarcini; endorse (to) = a andosa; endorsement = andosare; endorser = persoana care efectueaza andosarea; exchange risk = risc valutar; expenses = cheltuieli;

Upload: lacramioara-lacrima

Post on 02-Oct-2015

963 views

Category:

Documents


71 download

DESCRIPTION

glosar de termeni bancari

TRANSCRIPT

MONEY SERVICES

GUARANTEES OR BONDS

INCLUDEPICTURE "http://www.euroticket.ro/imagini/li.gif" \* MERGEFORMATINET

guarantee = bond = garantie; bank guarantee = garantie bancara; guarantor = garant; tender = bid bond = garantie pentru licitatie; performance bond = garantie de aducere la indeplinire; retention bond = garantie de retinere; demand guarantee = garantie la cerere; principal = ordonator;

MONEY SERVICES

advise = sfat, informatie; (aici) aviz; Airmail Transfer = transfer prin posta aeriana; application form = formular de cerere; at sight/at presentation = la vedere/la prezentare; available funds = fonduri disponibile; Bankers draft = polita bancherului; banking clerk = functionar bancar; banknotes = bancnote; bearer = purtator; bearer bonds = titluri la purtator; blank endorsement = andosare in alb; by air = pe calea aerului; by cable = telegrafic; by endorsement = prin andosare; by ordinary trasfer of debts = prin simplul transfer al creantelor; cash = numerar, bani lichizi; cashier = casier; certificate cheque = cec certificat; cheque = cec; cheque payable to bearer = cec la purtator; client = customer = client; coins = monede; collect (to) = a incasa; collection process = procesul de incasare; compulsory mentions = mentiuni obligatorii; cross = barare; crossed cheque = cec barat; drawee = tras; drawee bank = banca trasului, in acest caz banca platitoare; drawer = tragator; duties = indatoriri; sarcini; endorse (to) = a andosa; endorsement = andosare; endorser = persoana care efectueaza andosarea; exchange risk = risc valutar; expenses = cheltuieli; general cross = barare generala; give instructions (to)= a da instructiuni; holder = detinator; input messages = mesaje de intrare; interest charges = cheltuieli cu dobanda; interest incomes = venituri din dobanzi; International Money Order = mandat de plata internationala; International Payment Order = ordin de plata internationala; not to order = nu la ordin; notify and pay (to)= a notifica si a plati; order form = formular de ordin; output messages = mesaje de iesire; overseas bank = banca cu sediul in strainatate; owner = proprietar; passbook = carnet de cec; payee = beneficiary = beneficiarul unei plati; paying bank = banca platitorului; payment by cheque = plata prin cec; payment in cash = plata cu numerar sau in bani lichizi; postal orders = mandat postal; proceeds = venituri; remit funds aboard = a remite fonduri in strainatate; remittance by post = remitere prin posta; remittance telegraphically = remitere telegrafica; remitter = remitent; securities = titluri de valoare; simple remittance = remitere simpla; special cross = barare speciala; special endorsement = andosare speciala; specimen signatures = specimen de semnaturi; Standing order = ordine de plata permanente; Telegraphic transfer (TT)= transfer telegrafic; be valid (to) = a fi valabil; travellers cheque = cec de calatorie;

ELECTRONIC BANKING SERVICES

debit cards = carti de debit; Electronic banking services = servicii bancare electronice, adica servicii efectuate prin calculator; electronic cash = numerar electronic; electronic cheque = cec electronic; electronic money = moneda electronica, bani electronici; electronic signature = semnatura electronica; fraud = frauda; network = retea; ~ transmission = retea de transmisie; password = parola; PIN = Personal Identification Number = numar personal de identificare; POS = Point of Sale Terminal = locul vanzarii; record (to) = a inregistra; user = utilizator; telephone banking = banca la domiciliu.

OTHER ELECTRONIC BANKING SERVICES

Electronic Funds Transfer = EFT = Transfer Electronic de Fonduri; money transfer = transfer de bani; Automated Teller Machine = ATM = ghiseu automat de numerar; EFT-POS = Electronic Funds Transfer to the Selling Points Terminals = transferul electronic al fondurilor la locul vanzarii; credit cards = carti de credit; store cards = carduri de magazin; debit cards = carti de debit; retailer = detailist; magnetic strip = banda magnetica; cash dispensing = distribuitor de numerar; balance inquiry = solicitarea soldului contului; POS = Point of sale = punct de vanzare; keyboard = tastatura; Joint-stock banks = banci pe actiuni Money market = piata monetara.

BANKER - CUSTOMER RELATIONSHIP

accountant = contabil; Act/charter/law = lege; adequate level of solvency = nivelul adecvat al solvabilitatii; application to open an account = cerere pentru a deschide un cont; banker/bank = banca; Banker-customer relationship = relatia dintre banca si client; banking procedures = proceduri bancare; building societies = societati de constructii; creditor = creditor; current savings deposit = depozit curent de economii; customer/client = client; deal (to) = (a face o) tranzactie (cu); debtor = debitor; deputy = (aici) delegat; adjunct; disbursement = plata, achitare; duties and rights = obligatiuni si drepturi; forgery = frauda; insurance company = societate de asigurari; legal person = persoana juridica; lend (to )= a imprumuta (pe); license/authorisation = licenta / autorizatie; licensed deposit taking institutions = institutii acreditate sa constituie/ primeasca depozite; mortgage = ipoteca; natural person = persoana fizica; overdrawn = fara acoperire; proceeds = venituri; recognised banks = banci acreditate; sealed = sigilat; sight interest = dobanda la vedere; solicitor = avocat; theft = furt; be entitled to (to) = a fi imputernicit (sa); be supplied with (to) = a fi alimentat cu; complete/conclude a contract (to) = a incheia un contract; finish/terminate/cancell a contract (to) = a rezilia un contract; mortgage (to) = a ipoteca; open an account with (to) = a deschide un cont; pass on (to) = a statua; vest somebody to do something (to) = a investi pe cineva sa faca ceva; Trustee Savings Bank = banci de incredere specializate in detinerea economiilor (un fel de CEC);

RISKS MANAGEMENT

credit institution = institutie de credit; risks management = administrarea riscurilor; financial risks = riscuri financiare; foreign exchange risk = risc valutar; liquidity risk = risc de lichiditate; interest rate risk = riscul ratei dobanzii; operational risk = risc operational; own funds = fonduri proprii; commitments = angajamente; solvency = solvabilitate; banking rating system and the early warning system = sistem de avertizare timpurie si de stabilire a rating-ului de tara; level of large exposures = nivelul expunerilor mari; minimum level of the capital = nivelul minim al capitalului; administrative procedures = proceduri administrative; internal control procedures = proceduri de control intern; classification of credits = clasificarea creditelor; large loans = imprumuturi mari; loans granted to the debtors in special relations with a bank = imprumuturi acordate debitorilor care se afla in relatii speciale cu banca; liquidity = lichiditate; debt service = serviciul datoriei; doubtful credit = credit indoielnic; interest rate risk = riscul ratei dobanzii; off balance sheet items = elemente in afara bilantului contabil; prudential measures = masuri de prudentialitate; credit risk = riscul de credit; watch credit = credit in observatie; doubtful credit = credit indoielnic; loss credit = credit de pierdere; shareholder = actionar; own capital = capital propriu; grant a credit (to) = a acorda un credit; financial-accounting department = departamentul financiar-contabil; assets = active;

BANKS AND LENDING

accountant = contabil; auction credit =credit de licitatie; borrowed funds = fonduri atrase (imprumutate); capability = ability = capacitate; abilitate; currency risk = riscul de schimb valutar; fixed interest rate loan = imprumut cu rata dobanzii fixa; floating interest rate loan = imprumut cu rata dobanzii flotanta; legal person = persoana juridica; lending = imprumut; lending facilities = facilitati legate de acordarea imprumutului; liabilities = pasive; liquidity risk = riscul de lichiditate; Lombard credit = credit lombard; loss = pierdere; market risk = riscul pietei; minimum capital = capital minim; operational risk = riscul operational. own capital = capital propriu; paid up capital = capital varsat; physical person = persoana fizica; preferential credit = credit preferential; purpose = destination = scop / destinatie; repayment = plata; solicitor = avocat; (amer. procuror); solvency ratio = rata solvabilitatii; special credit = credit special; standard credit = credit standard; structural credit = credit structural; substandard credit = credit substandard; supplementary capital = capital suplimentar; weight (to) = a pondera; variable interest rate loan = imprumut cu rata dobanzii variabila; watch credit = (aici) credit in observare

RATES OF EXCHAGE

accepted = acceptat; appreciation = apreciere; balance of payments = balanta de plati; branch = sucursala; capital account = cont de capital; capital foreign exchange operations = operatiuni valutare de cont de capital; capital transactions = tranzactii de capital; commodity exchange = bursa de marfuri; covering exchange rate = acoperirea cursului de schimb valutar; current account = cont curent; current foreign currency operations = operatiuni valutare curente sau operatiuni valutare de cont curent; current transactions = tranzactii curente; deals = tranzactii; delay = intarziere; delivery = livrare, distribuire; demand = cerere; depreciation = depreciere; devaluation = devalorizare; direct quatation = cotatie directa; direct investment = investitie directa; due penalties = penalitati scadente; exchange control = foreign exchange control = control valutar; exchange office = exchange bureau = casa de schimb valutar; exchange rate = curs de schimb valutar; failure = esuare; esec; firm quotation = cotatie ferma; fixed exchange rate regime = regimul valutar cu un curs de schimb fix; foreign currency = foreign exchange = valuta; foreign exchange market = piata valutara; foreign exchange intervention = interventie valutara; foreign exchange restrictions = restrictii valutare; foreign exchange risk = risc valutar; foreign exchange transactions = tranzactii valutare; forward exchange rate = curs de schimb valutar la termen; forward operations = forward transactions = operatiuni la termen; headge = acoperire; hedging = tehnica de acoperire a riscului valutar; indirect quatation = cotatie indirecta; individuals = persoane fizice; indivizi; international debt = datorie externa; international reserves = rezerve internationale; international trade = comert international; legal framework = cadru legal; legal persons = persoane juridice; loss = pierdere; managed float regime (dirty float) = regim valutar controlat; moderate amounts = sume moderate, (aici) sume aferente cheltuielilor curente de intretinere a membrilor familiei, care pot fi justificate ulterior cu documente. monetary unit = unitate monetara; non-residents = nerezidenti; offer = oferta; outright transactions = tranzactii complexe de vanzare-cumparare de valute; own norms = norme proprii; purchase order = ordin de cumparare; quotation = cotatie; reimbursement = rambursare; rejected = respins; residents = rezidenti; retail market = piata en-detail; piata cu amanuntul; revaluation = revaluare; settlement = (aici) decontare; share capital = capital social; spot exchange rate = curs de schimb valutar la vedere; spot operations = spot transactions = operatiuni la vedere; spread = marja; diferenta dintre cursul de schimb de vanzare si cumparare, sau dintre dobanda activa si pasiva a unei banci; sterilized foreign exchange intervention = interventie valutara sterilizata; stock exchange = bursa de valori; subsidiary = filiala; swap operations = incheierea concomitenta, pe piata valutara, a doua operatiuni legate intre ele, bazate pe aceeasi suma de bani: cumparare curenta si vanzare la termen, vanzare curenta si cumparare la termen sau vanzare si cumparare la termene diferite. traded = comercializat, tranzactionat; trade balance = balanta comerciala; unsterilized foreign exchange intervention = interventie valutara nesterilizata; up-to-date rate = rata actualizata; wholesale market = piata en-gros; working day = zi lucratoare; World Bank = Banca Mondiala; International Bank for Reconstruction and Development (IBRD) = Banca Internationala pentru Reconstructie si Dezvoltare (BIRD).

FINANCIAL DERIVATIVES

options = optiunea reprezinta contractul care acorda beneficiarului dreptul de a cumpara sau a vinde un instrument financiar sau o marfa la un pret specificat intr-o perioada determinata; option premium = prima pentru o optiune; call option = optiunea call este optiunea de cumparare; put option = optiunea put este optiunea de vanzare; European option = optiune europeana; American option = optiune americana; exotic options = optiuni exotice; interest rate swaps = swap pe rata dobanzii; currency swaps = swap valutar currency account = un cont bancar exprimat in orice valuta, alta decat moneda nationala; Eurocurrency = un depozit exprimat in orice valuta detinuta in afara tarii emitente; Forward contract = contract la termen; Hedging = asigurarea riscului valutar; foreign exchange risk = risc valutar; foreign exchange exposure = expunere valutara; sovereign risk = risc de suveranitate; hard currency = valuta forte; strong currency = valuta forte (puternica); weak currency = valuta slaba; foreign exchange control = control valutar; translation risk = risc de transformare; transaction risk = riscul operatiunii; overseas = abroad = in strainatate; derivatives = derivate; acestea sunt instrumente financiare care sunt in esenta un produs secundar al actiunilor, obligatiunilor etc. bond markets = pietele obligatiunilor; borrow (to) = a imprumuta; lend (to) = a da cu imprumut; lapse (to) = a decadea; a se scurge; gamble (to) = a risca; a pierde; exchange rate arbitrage = arbitraj de curs de schimb; invoice (to) = a factura consolidated balance sheet = bilant contabil consolidat; open outcry = strigare libera; initial margin = marja initiala; financial futures = operatiuni financiare la termen; clearing house = casa de compensare; settlement price = pretul de decontare;

INTERNATIONAL TRADE

abroad = in strainatate; advertising = reclama publicitara; advising bank = banca avizatoare; airway bill / air consignment bill = scrisoare de transport aerian; arrival = sosire; at sight = la vedere; batch = grupa, lot (de marfuri); bear all risks = suporta toate riscurile; berth = dana, chei; bill of collection = incasso documentar; bill of exchange = cambie; bill of lading = conosament; borrower = imprumutat/debitor; buyer = cumparator; by-products = produse derivate; Carriage Paid to = CPT = transport platit pana la...; Carriage = transport; carrier = caraus; certificat of origin = certificat de origine; Cost, Insurance and Freight = CIF = cost, asigurare si navlu; Carriage and Insurance Paid to = CIP = cost si asigurare platite pana la... clearance = achitare; collection = incasso; commercial documents = documente comerciale; commitment = angajament; consignee = destinatar; consular invoice = factura consulara; Cost and Freight.= CFR = cost si navlu; contracting parties = parti contractante; damaged = avariat; deferred = amanat; Delivered at Frontier = DAF = franco frontiera; Delivered Duty Paid= DDP = franco destinatia vamuit; Delivered Duty Unpaid= DDU = franco destinatie nevamuit; Delivered Ex Quay= DEQ = franco chei; Delivered ex Ship = DES = franco nava nedescarcata; departure = plecare; documents of title = documente de titlu; draft = proiect; ex works = franco fabrica; fee = taxa; financial documents = documente financiare; flight stamp = timbru par avion; flood = inundatie; foreign exchange risk = risc valutar; Free Alongside Ship = FAS = franco de-a lungul vasului; free carrier = FCA = franco transportator; Free on Board = FOB = franco la bord; freight = navlu; global amount = suma globala; handling = manipulare; harmless = fara pagube; haulage = transport prin carausie; taxa de transport; issuer = emitent; insurance certificate = certificat de asigurare; insurance documents = documente de asigurare; insurance policy = polita de asigurare; international sales contract = contract international de vanzare; invoice = factura; L/C = letter of credit = scrisoare de credit; documentery letter of credit = acreditiv documentar; leakage = pierdere/scurgere de cantitate; legalised/visaed invoice = factura legalizata; lender = imprumutator/creditor; letter of introduction = scrisoare de prezentare; lifting = ridicare; lighter = slep; loan contract = contract de imprumut; lorry-way bill = scrisoare de trasura pentru transportul rutier; main carriage unpaid = transportul principal neplatit; mark = marcare; movement certificate EUR-1 = certificat de miscare EUR-1; non delivery = nelivrare; notifying party = partea notificatoare; offloaded = in afara incarcaturii; on behalf of somebody = in numele cuiva; outstanding = neplatit, restant, important; packaging = ambalare; packing list = lista de ambalaj; Parcel Post Receipt = recipisa de coletarie; port of call = port de escala; preamble = preambul; pro forma invoice = factura proforma; Promissory Note = bilet la ordin; pursuant = conform; railway bill = rail consignment note = scrisoare de trasura pentru transportul feroviar; raw materials = materii prime; rediscount = rescontare; rejection = respingere; right - hand corner = coltul din dreapta; riot = revolta; SAD = Single Administrative Document = document administrativ unic; sales contract = contract de vanzare; sample = mostra; ship = vas, nava; shipping documents = documente de transport; spoilage = alterare; strike = greva; supersede (to) = a inlocui; supplier = furnizor; term of delivery = termen de livrare; term of payment = termen de plata; TIR book = carnet TIR; be assessed (to) = a fi evaluat; be discounted (to) = a fi scontat; be encountered (to) = a fi lovit / ciocnit; be impended (to) = a fi iminent; be labelled (to) = a fi etichetat; be posted (to) = a afisa, a lipi; be tailored (to) = a fi confectionat / ajustat; bind-up (to) = a lega; check (to) = a verifica; fall due (to) = a fi scadent; fall under somebody heading (to) = a cadea sub jurisdictia cuiva; fill in (to) = a completa; forfeit (to) = a pierde prin confiscare; a pierde un drept; mix (to) = a amesteca; pump (to) = a pompa; rediscount (to) = a fi rescontat; stamp (to) = a timbra, a stampila; wire (to) = a telegrafia; trade mark = marca fabricii / marca de comert; truck = camion; trustworthy = demn de incredere; type of packaging = mod de ambalare; validity = valabilitate; VAT = tax on added value = TVA (taxa pe valoarea adaugata); wasting litigation = actiune in justitie in cazul unei pierderi; worthiness = credibil; written evidence = document scris;

METHODS OF PAYMENT OR SETTLEMENT

ability = capacitate; abilitate advance payment = plata in avans; cash flow = flux monetar; clean collection = incasso curat; D/A (acceptance of documents) = acceptarea documentelor; D/P (against payment) = documente contra plata; dispatch = expediere; documentary collection/ bill of collection = incasso documentar; domestic trade = comert interior; drawee = tras; foreign trade = comert exterior; guarantee of payment = garantie de plata; liabilities = pasive, obligatii; open account = cont deschis; responsibilities = responsabilitati; security = (aici) garantie; statement of account = extras de cont; cancel the order (to) = a anula un ordin; grant a credit (to) = a acorda un credit;

DOCUMENTARY CREDIT/ LETTER OF CREDIT

accepting bank = banca acceptatoare; advising bank = banca avizatoare; applicant = (aici) ordonator; at sight = la vedere; certificate of analysis = certificat de analiza; confirming bank = banca confirmatoare; consignment = transport de marfa; country risk = risc de tara; deferred payment = plata amanata; documentary credit/ letter of credit = acreditiv documentar; expiry date = data de expirare; forward contract = contract la termen; indebtedness = stare de indatorare; inspection certificate = certificat de inspectie; International Chamber of Commerce = Camera Internationala de Comert; irrevocable credit = acreditiv irevocabil; issuing bank = banca emitenta; payment in advance = plata in avans; revocable credit = acreditiv revocabil; shipment = incarcatura; tenor = maturity = scadenta; trustworthiness = credibilitate; worthiness = credibilitate; assignment of the proceeds of a credit = cesiunea acreditivului

SHORT-TERM FINANCE EXPORTS

short-term finance = finantare pe termen scurt; factoring = invoice discounting = colectarea datoriilor este o finantare pe termen scurt utilizata in comertul international si are la baza un contract incheiat intre o parte numita furnizor si o alta numita factor; factoring chain = lantul de factoring este o retea internationala a tuturor companiilor de factoring; principal = rata de capital; schedule of the repayment = scandentarea platii ratelor de capital si dobanda; minute = proces verbal;

MEDIUM- AND LONG-TERM FINANCE FOR EXPORT

supplier credit = credit furnizor; buyer credit = credit cumparator; ECGD = Export Credits Guarantee Department = Departamentul de Garantare a Creditelor de Export a fost infiintat in anul 1991 pentru a-i asigura pe exportatorii britanici contra unor riscuri care apar in comertul exterior. onus = raspundere, obligatie; overseas debt = datorie externa; default (to) = a nu-si indeplini obligatiile; lines of credit = linii de credit; insolvency = incapacitate de plata; instalments = plata in rate; lease (to) = a inchiria; financial lease = leasing financiar; lessee = persoana care inchiriaza; persoana care plateste o suma de bani pentru proprietatea inchiriata; lessor = persoana care acorda o inchiriere; persoana care ofera spre inchiriere; rental contract = contract de inchiriere; loom = razboi de tesut; gherghef; rent = chirie.

THE BANKING SYSTEM IN ROMANIA

(accounting) ledger = Cartea - mare; account = cont; ~ foreign exchange = devize in cont; ~ payable = cont creditor; ~ receivable = cont debitor; ~ settled = cont achitat; bank ~ = cont bancar; current ~ = cont curent; foreign exchange ~ = cont in devize; on ones ~ = pe cont propriu; personal ~ = cont personal; profit and loss ~(P&L- in UK) = cont de profit si pierdere; sales ~ = cont de vnzari (al agentului / comisionarului); sight ~ = depozit la vedere; statement of ~ = extras de cont; the running of an ~ = miscarea contului; to keep open accounts = a tine contabilitatea / conturile; income and expenditure account = cont de venituri si cheltuieli; accountant = contabil; certified ~ = contabil autorizat; accounting = contabilitate; applicant = solicitant, petitionar; assets = bunuri; active; audit = verificarea conturilor de catre o societate specializata; activitate desfasurata de o persoana specializata numita auditor; auditing commission = comisia de cenzori; balance = sold; bank ~ = sold bancar; credit ~ = sold creditor; debit ~ = sold debitor; balance of payments = balanta de plati; balance of trade = balanta comerciala; balance sheet = bilant contabil; bank = banca; ~ deposit = depozit bancar; ~ loan = imprumut bancar; agricultural ~ = banca agricola specializata in acordarea de credite pentru dezvoltarea agriculturii; central ~ = banca care realizeaza politica economica a guvernului; clearing ~ = banca de compensare, in acest caz, banca este membra a unei case de compensatie, specializata in decontarea cecurilor; commercial ~ = banca comerciala specializata in constituirea de depozite, efectuarea de transferuri de fonduri; poate sa fie o societate pe actiuni sau o banca particulara; discounting ~ = banca specializata in scontarea cambiilor; Federal Reserve Bank = Banca Centrala a Statelor Unite ale Americii; Industrial ~ = o banca care face parte dintr-un grup de case mici financiare, care primeste investitii de la persoane fizice; issuing ~ = institutie financiara care gestioneaza o noua emisiune de actiuni; joint-stock ~ = banca constituita ca societate pe actiuni; merchant ~ = banca de afaceri, este o institutie specializata in efectuarea operatiunilor in domeniul industrial si al business-ului. banking = activitate bancara; banking Directives = Directive bancare emise de Uniunea Europeana; bankruptcy = faliment, incapacitate de plata; bankers bank = functie a unei Banci Centrale banca a bancilor; banca care refinanteaza sistemul bancar; banks own capital = capitalul propriu al bancii; BIS = Bank for International Settlements = Banca Internationala a Reglementelor; bill = titlu, bon; Bill of Exchange = bank draft = cambie; Board of directors = Consiliu de administratie; ~meeting = sedinta Consiliului de administratie; bond = (aici) obligatiune; book - keeping = contabilitate; double-entry ~ = contabilitate in dubla partida; borrow (to) = a imprumuta; borrowed reserves = rezerve atrase; rezerve imprumutate; branch = sucursala unei banci; building society = societate ipotecara; in UK este o institutie financiara care ofera ipoteci, fondurile acesteia provenind din depozitele constituite de publicul larg; capital = in sens larg, avutie acumulata; capital market = piata de capital; capital structure = structura capitalului; capital assets = fixed assets = fonduri fixe; cash = bani lichizi, numerar format din bancnote si monede; cash flow = flux de numerar; ceiling of gold = plafon pentru aur; Central Bank = Banca Centrala; charge = taxa; chart of accounts = planul de conturi; chattel = bunuri mobile; claim = (aici) creanta; commission = comision; commitment fee = comision de angajare; credit co-operative = credit union = cooperativa de credit; credit institution = institutie de credit; creditor = creditor, persoana care detine creante banesti asupra altor entitati; currency = bancnote si monede folosite ca moneda nationala a unei tari; foreign ~ = valuta; convertible ~ = valuta convertibila; hard ~ = valuta forte; reserve ~ = valuta detinuta de Banca Centrala; currency position = pozitie valutara. dead line = termen limita; debentures = titluri de credit; titluri de valoare emise de societati cu raspundere limitata in schimbul unor imprumuturi pe termen lung; debt = datorie, obligatie; bad ~ = datorie care nu a fost si nici nu se spera a fi achitata; National Debt = datoria guvernului; debtor = debitor o persoana sau o socieate comerciala care datoreaza bani, bunuri sau servicii unei alte persoane; deficit = depasirea veniturilor de catre cheltuieli sau a activelor de catre pasive; buget ~ = un buget neechilibrat cauzat de cheltuielile mai mari dect veniturile; trade ~ = o balanta de plati neechilibrata in care exporturile au fost depasite de exporturi; deposit = depozit; discount = scontare; ~ house = casa de scontare; ~ market = piata scontului; ~ rate = rata scontului. Early Warning and Rating System = sistem de avertizare timpurie si de stabilire a rating-ului de tara; electronic banking = activitate bancara derulata electronic; endowment capital = capital de dotare; European Bank for Reconstruction and Development (EBRD) = Banca Europeana pentru Reconstructie si Dezvoltare (BERD); European Community (EC) = Comunitatea Europeana (EU); European Central Bank (ECB) = Banca Central Europeana; European Union (EU) = Uniunea Europeana; exchange = schimb, piata; exchange control = control valutar; exchange rate = curs de schimb; fixed ~ = curs de schimb fix; floating ~ = curs de schimb fluctuant; managed floating ~ = curs de schimb cu fluctuare dirijata; managed ~ = curs de schimb controlat; flexible ~ = curs de schimb flexibil; pegged ~ = curs de schimb legat; crawling ped ~ = curs de schimb trtor sau cu paritate glisanta; spot ~ = curs de schimb la vedere; forward ~ = curs de schimb la termen; external assets and liabilities = active si pasive externe; field of activity = domeniu de activitate; financial leasing = leasing financiar; fiscal year = an fiscal; foreign assets = active externe; foreign liabilities = pasive externe; foreign currency/foreign exchange currency = valuta; General Meeting of the Shareholders = Adunarea generala a actionarilor; gross profit = profit brut; headquarter premises = cladirea sediului central; in bail = in custodie; international foreign reserves = rezerve internationale; International Monetary Fund (IMF) = Fondul Monetar International (FMI); issue guarantees (to) = a emite scrisori de garantie bancara; joint-stock company = societate pe actiuni; lender of last resort = creditor de ultima instanta; legal entity = legal person = persoana juridica; legal tender = national currency = moneda nationala; legal framework = cadru legal; liability = obligatie, datorie, pasiv; majority state-owned capital = cu capital integral de stat; majority private capital = cu capital integral particular; majority domestic capital = cu capital integral intern (autohton); majority foreign capital = cu capital integral strain; management of foreign exchange reserves = administrarea rezervelor externe; maturity = tenor = maturitate, scadenta; maximal exposure = expunere maxima; merger = fuziune; minimum compulsory reserves = rezerve minime obligatorii; monetary survey = situatie monetara; monetary, foreign exchange, credit and payments policy = politica monetara, valutara, de credit si plati; money issue = emisiune baneasca; money circulation = circulatia banilor; money market = piata monetara; money supply = broad money = masa monetara; bani in sens larg; mortgage = ipoteca; net foreign position = pozitia neta externa; off - balance sheet = in afara bilantului; open an account with (to) = a deschide un cont la; own capital = capital propriu; pledge = (aici) gaj, zalog, amanet; promissory notes drawn or endorsed = bilete la ordin trase sau andosate; rate of interest = rata dobnzii platita pentru atragerea capitalului utilizat intr-o afacere; central bank discount ~ = rata de scont a Bancii Centrale; accrued ~ = plata unei dobnzi datorate, dar care nu a fost primita; bank ~ = rata oficiala a dobnzii stabilita de Bancile Centrale; termenul nu se mai foloseste in U.K. fiind inlocuit cu minimum lending rate; rate of return = rata profitului; real estate assets = active imobiliare; rediscount = rescontare; refinance (to) = a refinanta; reserve tranche = transa de rezerva; retail banking = activitate bancara cu amanuntul; revenue and expenditure budget = bugetul de venituri si cheltuieli; savings (s.) = (aici) economie (de bani); savings banks = banci de economii/case de economii; security = (aici) efect de comert, titlu de valoare; settlement = (aici) decontare; shareholder = actionar; solvency = solvabilitate; special drawing rights (SDR) holding = detinere de drepturi speciale de tragere (DST); stock = actiune (aici), stoc; stock exchange = bursa de valori; subsidiary = filiala; reserve fund = fond de rezerva; conclude an agreement (to) = a incheia un acord; grant a credit (to) = a acorda un credit; grant interest (to) = a bonifica dobnda; issue banknote and coins (to) = a pune in circulatie bancnote si monede de metal; lend to the banking companies (to) = refinance the banking system (to) = a acorda imprumuturi bancilor / a refinanta; open and keep an account (to) = a deschide si a mentine un cont; redeemable = recuperabil; render (to) = provide banking services (to)= a acorda/ a presta servicii bancare; two tier levels = pe doua nivele; Treasury = Trezorerie, departamentul economic si financiar central al unui guvern; vault cash = ghiseu de casierie; warehouse receipt = recipisa / chitanta warrant; warrant = warrant; weight (to) = (aici) a pondera; withdraw (to) = a retrage bani.

THE BANKING SYSTEM IN ENGLAND

accountants department = departamentul de contabilitate; bankrupt = faliment; buying rate = curs de cumparare; charter/law/act = act de constituire a unei institutii sau organizatii economice, lege; coinage = batere de monede; currency issue = emisiune monetara; discount = discounting = scontare; discount houses = casa de scontare; discount market = piata a scontului; discount rate = taxa a scontului; fiduciary issue = note issue = emisiune fiduciara de bancnote; foreign exchange market = piata valutara; foreign exchange rate = curs de schimb valutar; Governments bank = banca guvernului; hub = centru de activitate / de interes; joint - stock banking company = societate bancara pe actiuni; lender of the last resort = creditor de ultima instanta; lending institutions = institutii care acorda imprumuturi; institutii de imprumut; merchants bank = banca de afaceri; money market = piata monetara; mutual fund = fond mutual; overdraft = descoperit in cont; sold debitor; suma trasa din cont fara acoperire. rate of interest = rata dobnzii; selling rate = curs de vnzare; subsidiary = filiala unei banci; borrow (to) = a da cu imprumut; draw a cheque (to) = a trage un cec; lend, lent, lent (to) = a lua cu imprumut; National Debt = datoria guvernului; retail bank = activitate bancara cu amanuntul; Treasury = Trezorerie (in SUA: Ministerul Finantelor); Treasury bills = bilete de trezorerie; trust bank = banca de custodie; turnover = cifra de afaceri;

OTHER BANKING SYSTEM IN THE WORLDchairman = presedinte; Board of Governors = consiliul guvernatorilor; money supply = masa monetara discount rate = taxa scontului; savings banks = banci de economii; vault cash = numerar in casierie; pension and retirement funds = fonduri de pensie; failure = esec, faliment; Federal Deposit Insurance Corporation = FDIC = Fondul federal de asigurare al depozitelor; merge (to) = a fuziona; Federal Reserves = Fed = este o agentie independenta, creata in 1913, care supervizeaza si verifica bancile de stat care fac parte din Sistemul Federal Reserve; European System of Central Banks = ESCB = Sistemul European al Bancilor Centrale; European Central Bank = ECB = Banca Central Europeana; minimum reserves = rezerve minime obligatorii;