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;