Vocabulary-Principle of Banking & Finance

á¿ëýã 1. Ñàíõ¿¿ãèéí ñèñòåì

part 1. The financial system ñýäýâ1.1 ñàíõ¿¿ãèéí ñèñòåì ò¿¿íèé ã¿éöýòãýõ ¿¿ðýã charter 1.1 the financial system and functions ñýäýâ 1.2 ìºíãº ò¿¿íèé ìºí ÷àíàð charter 1.2 the nature of money ñýäýâ 1.3 ñàíõ¿¿ãèéí çóó÷ëàë charter 1.3 financial intermediation ñýäýâ 1.4 òºëáºð òîîöîî charter 1.4 the payment á¿ëýã 2. Ñàíõ¿¿ãèéí áàéãóóëëàãà part 2 the financial institution ñýäýâ 2.1 áàíêíû áàéãóóëëàãà

charter 2.1 the banking institution ñýäýâ 2.2 áàíê áóñ ñàíõ¿¿ãèéí áàéãóóëëàãà charter 2.2 the nonbank financial institution á¿ëýã 3. Ñàíõ¿¿ãèéí çàõ çýýë part 3. The financial market ñýäýâ 3.1 õºðºíãèéí çàõ çýýë charter 3.1 the asset market ñýäýâ 3.2 ìºíãºíèé çàõ çýýë charter 3.2 the money market ñýäýâ 3.3 ãàäààä âàëþòûí çàõ çýýë charter 3.3 the foreign exchange market ñýäýâ 3.4 óëàìæëàãäñàí çàõ çýýë

charter 3.4 the traditional market

á¿ëýã 4. Ìºíãºíèé íèéë¿¿ëýëò, ìºíãºíèé áîäëîãî part 4 the money supply, monetary policy ñýäýâ 4.1 ìºíãºíèé íèéë¿¿ëýëò

charter 4.1 the money supply ñýäýâ 4.2 ìºíãº ºñºæ ¿ðæèõ ¿éë ÿâö charter 4.2 the process of money increasement ñýäýâ 4.3 ìºíãº áà íèéò ýäèéí çàñàã

charter 4.3 the money and total economy ñýäýâ 4.4 ìºíãºíèé áîäëîãî charter 4.4 monetary policy

Á¿ëýã 1. Ñàíõ¿¿ãèéí ñèñòåì

part 1 The financial system

ñýäýâ 1.1. Ñàíõ¿¿ãèéí ñèñòåì ò¿¿íèé ã¿éöýòãýõ ¿¿ðýã charter 1.1 The financial system and functions

¿íäñýí îéëãîëò, óõàãäàõóóí Òîäîðõîéëîëò

ìîíãîë Англи Ìîíãîë Àíãëè

1. Ñàíõ¿¿ Finance

Ìºíãºí õºðºíãèéí òºâëºðñºí áà òºâëºðñºí áóñ õºðºíãèéã áèé áîëãîæ õóâààðèëæ àøèãëàõ ÿâöàä ¿¿ñýõ ýäèéí çàñãèéí ìºíãºí õàðèëöàà

The economic monetary relationship of contributing and using the money and the fund of money

2. Ñàíõ¿¿ãèéí ñèñòåì

Financial system Ñàíõ¿¿ãèéí áàéãóóëëàãà, ñàíõ¿¿ãèéí çàõ çýýëèéí íýãäýë

The merge of financial institution and financial market

3. Ñàíõ¿¿ãèéí áàéãóóëëàãà

Financial institution Ñàíõ¿¿ãèéí çóó÷ëàã÷ áàéãóóëëàãà

Financial negotiator

4. Ñàíõ¿¿ãèéí çàõ çýýë

Financial market

Áàíê Áóñäûí ìºíãºí õºðºíãèéã õóðèìòëóóëàí õàäãàëàõ, ººðèéí íýðèéí ºìíººñ çýýë îëãîõ, òºëáºð òîîöîîíû ¿éëчèëãýý ¿ç¿¿ëýõ, ¿éë àæèëëàãàà ýðõýëäýã àøãèéí òºëºº õóóëèéí ýòãýýäèéã õýëíý.

The lawful profit organization that deposits others money and lends money under its name and performs transaction between the parties

5. Òºâ áàíê Central bank A government “bank Çàñãèéí ãàçðûí áàíê

fo bank” generally responsible for national monetary policy

¿íäýñíèé ìºíãºíèé áîäëîãûã ÿâóóëäàã.

6. Àðèëæààíû áàíê Commercial bank Ñàíõ¿¿ãèéí çóó÷ëàã÷ áàéãóóëëàãà


7. Áàíê áóñ ñàíõ¿¿ãèéí áàéãóóëëàãà

Nonbank financial institution

Ñàíõ¿¿ãèéí çóó÷ëàã÷ áàéãóóëëàãà


8. Ñàíõ¿¿ãèéí êîìïàíè

Financial company Ñàíõ¿¿ãèéí êîìïàíè íü èõ õýìæýýíèé õàäãàëàìæèéã àâààä ò¿¿íèéã æèæèã õýðýãëýãчäýä õ¿ðãýæ áàéäàã.

The financial company depostits large amount of money and distributes to small customers.

9

Äààòãàëûí êîìïàíè Insurance company Äààòãàëûí êîìïàíè íü äààòãàëûí ãýðýý ýçýìøèãчèéí òºëñºí õóðààìæààñ õºðºíãº íü á¿ðäýõ áºãººä ÿìàð íýãýí àþóë îñîë òîõèîëäñîí íºõöºëä äààòãóóëñàí õºðºíãèéí çîõèõ õýìæýýíèé õîõèðëûã íºõºí îëãîæ áàéäàã.

The insurance company collects charge and fees from insurers and refund or repay the certain amount of insured assets if accident occurs.

10

Òýòãýâðèéí ñàí The retirement fund Ñàíõ¿¿ãèéí çóóчëàãчèéí íýã õýëáýð. òýòãýâðèéí ñàíã çàñãèéí ãàçðûí , ï¿¿ñ êîìïàíèé äýðãýä áàéãóóëæ áîëíî.

The one kind of financial intermediaries. The closely operates with government agencies.

11 Õºðºíãº îðóóëàëòûí ñàí

The investment fund

Æèæèã õºðºíãº îðóóëàãчäààñ èõ õýìæýýíèé õºðºíãº àâч õóðèìòëóóëààä ò¿¿íèéãýý çàðöóóëæ áàéäàã.

Collects large amount of money from small investors and spends it.

12Õóðèìòëàëûí áàéãóóëëàãà

Ýíý áàéãóóëëàãà íü õàäãàëàìæ àâààä çýýë îëãîõ ¿éë àæèëëàãàà ÿâóóëæ áàéäàã.

This institution mainly deposits money and lends money

13 Õàäãàëàìæ çýýëèéí хоршоо Savings and loan

association (S&L)

¿éë÷ë¿¿ëýã÷èéí ìºíãºº àðâèæóóëàõ ñîíèðõîëûí äàãóó áèé áîëäîã õàðèëöàà. Õàäãàëàìæèéí äàíñ òîãòñîí õààõ ºäºðã¿é áàéíà.

An interest-bearing relationship used by a customer to accumulate funds. Savings accounts have no fixed maturity date

14.

Ñàíõ¿¿ãèéí óëñ òºðèéí áîäëîãî

Fiscal policy Government policy

concerning spending and taxation.

Çàðäàë áîëîí òàòâàð íîîãäóóëàëòûí òàëààðõ Çàñãèéí Ãàçðûí áîäëîãî.

Ñýäýâ 2 .2 Ìºíãº ò¿¿íèé ìºí ÷àíàðcharter 2.2 money function

¿íäñýí îéëãîëò, óõàãäàõóóí òîäîðõîéëîëò

Ìîíãîë àíãëè àíãëè ìîíãîë

1.

Мөнгө Money Legal tender; coin and currency declared by a government to be the accepted medium of exchange

Солилцооны õýðýãñëýëýýð хүлээн çºâøººðºãäºã, засгийн газраар батлагддаг хууль зүйн õ¿÷èí òºãºëäºð, зоос болон öààñàí ìºíãº , валют

2. Мөнгө Currency Paper money as opposed to coin

Áàíêíîò, öààñàí ìºíãº.

3.Хуурамч мөнгө Counterfeit

money

Spurious ( bogus) coins and currency that have been made to appear genuine

Õóóðàì÷, äóóðèàëãàñàí ìºíãº, áàíêíîò

4. Задгай мөнгө CoinMetallic money in contrast to paper money / currency /

Òºìðºí õèéöòýé, çàäãàé ìºíãº , òºëáºð òîîöîîíû õýðýãñýë.

5. Áàðòåð Barter

The direct physical exchange of merchandise, not accompanied by an exchange of money.

.

Áàðààã áàðààãààð ñîëèõ ¿éë àæèëëàãàà

6. Хууль ёсны төлбөрийн хэрэгсэл

Legal tender

Government-backed currency that is acceptable in payment of all

private and public debts

Хувийн болон улсын секторын өр төлбөрийг барагдуулахад ашигладаг хүлээн зөвшөөрөгдсөн, Засгийн газраас баталгаажуулсан төлбөрийн хэрэгсэл буюу мөнгөн дэвсгэрт

7. M1 M1 Money supply Ìºíãºíèé íèéë¿¿ëýëò

8. Ì2 Ì2A definition of Money supply that adds to M1 such assets as saving accouts small- de- nomination time

Ì1 + õóãàöààòàé áîëîí õóãàöààã¿é õàäãàëàìæ

deposits money market deposit accounts and money market mutual fund sharis

9. Ì3

Ì3

Money supply that adds to M1 such and M2 such assets as large- denomination time deposits

Ì2 + èõ õýìæýýíèé õóãàöààò õàäãàëàìæ õºðºíãº

10.

Õºðâºõ ÷àäâàð liguidityAbility to cknvert an asset into cash guickly with little loss in value

ºðòãèéí õóâüä áàãà àëäàãäàëòàéãààð áýëýí ìºíãº áîëîí õºðâºõ àëèâàà õºðºíãèéí ÷àäâàð

Ñýäýâ 1. 3 Ñàíõ¿¿ãèéí çóó÷ëàë charter 1.3 Financial intermediation

¿íäñýí îéëãîëò, óõàãäàõóóí

òîäîðõîéëîëò

Ìîíãîë Àíãëè àíãëè ìîíãîë

1. Ñàíõ¿¿ãèéí çóó÷ëàë Financial intermediation

Indirect finance, in which savers place funds with financial intermediaries that in turn lend to ultimate borrowers.

Ýíý íü çýýëäýã÷ ýòãýýä çóó÷ëàã÷ààð äàìæóóëàí ÿìàð íýãýí õºðºíãèéí ãàçàð õàíäàõ ÿâäàë þì.

Ñýäýâ 1.4 Òºëáºð òîîöîîcharter 1.4 Payment

¹¿íäñýí îéëãîëò óõàãäàõóóí òîäîðîõîéëîëò ìîíãîë Àíãëè àíãëè ìîíãîë

1.

Дебет карт Debit card

A piastic card enabling the cardholder to purchase good or services the cost of which is immediately charged to his or her bank account. Debit cards are used to activate point of sale terminals in supermarkets, gas stations, and stores. Together with credit cards, they are commonly referred to simply as bank cards.

Êàðò ýçýìøèã÷ íü áàðàà òîâàð õóäàëäàæ àâàõ, ¿éë÷ë¿¿ëýõ á¿ðýí áîëоìæ, íºõöëººð õàíãàãäñàí áàéäàã. Òºëáºðèéã êàðò ýçýìøèã÷èéí äàíñíààñ õèéäýã

A plastic card ( or its eguivalent ) to be used from time to by the

Áàíêíààñ áýëýí ìºíãº àâàõ, áàðàà òîâàð õóäàëäàæ àâàõàä

2.Зээлийн карт Credit card

cardholder to obtain money good or services possible under a line of credit established by the card issuer The cardholder is billed for any outstanding balance

áîëîí áóñàä áàíêíû ¿éë÷èëãýýãýýð ¿éë÷ë¿¿ëýõýä çîðèóëàãäñàí òºëáºðèéí ïëàñòèê êàðò.

3.Áýëýí ìºíãºíèé øèëæ¿¿ëãèéí áè÷èã Cash Letter

An interbank transmittal form, resembling a deposit slip, used to accompany cash items sent from one bank to another.

Íýã áàíêíààñ íºãºº áàíêèíä ìºíãº áîëîí ò¿¿íèéã îðëîõ ç¿éëä øèëæñýí áàíê õîîðîíäûí øèëæ¿¿ëãèéí õýëáýð

4.ßâóóëûí áýëýí ìºíãºí ìàøèí Cash dispenser

Equipment capable of automatically delivering amounts of cash to a customer, usually upon insertion of a bank card.

Çººâðèéí òóñ ìàøèíààñ êàðòààð áýëýí ìºíãº ãàðãàõ áîëîìæòîé

5. áýëýí ìºíãºíèé÷åê Cash a chek

To give money in exchange for a check drawn an another financial institution.

Áóñàä ñàíõ¿¿ãèéí áàéãóóëëàãóóäûí íýð äýýð ãàðñàí ÷åêèéã ñîëèõîîð ìºíãº ºãºõ

6. Òýýâðèéí áàðèìò Bill of lading-

A document issued by a transporter of goods (carier) covering a shipment of merchandise. It may be negotiable or non negotiable form and is a contract to ship the merchandise. A receipt for it, and a document of legal title.

À÷àà òýýâýðë¿¿ëñíèéã ãýð÷èëñýí áàðèìò. Ýíý íü çºâøèëöºæ áîëîõ, ¿ë áîëîõ ãýñýí õýëáýðýýð îëãîãäîõ áîëíî.

7. Õî¸ð òàëûí ãýðýý Bilateral contractAn agreement

Õî¸ð õ¿í ýñâýë õî¸ð òàëûí õîîðîíä õèéãäýõ ãýðýý.

8. Tºëáºð õ¿ëýýí àâàã÷ Beneficiary

The party who is to receive the proceeds of a trust, insurance policy, letter of credit, or other transaction.

Àêêåðäèòèâ, äààòãàë áóñàä ã¿éëãýýíýýñ îðëîãî õ¿ëýýí àâàã÷ ýòãýýä.

9. Áàíêíû íýðèéí ÷åê Bank draftA check drawn by a bank on its account with another bank.

Áàíê áóñàä áàíêèí äýýðõ ººðèéí äàíñûã òóëãóóðëàæ ãàðãàñàí ÷åê.

Áàíêíû ÷åê Bank check A check, also known as cashier’s,

Áàíêíû ººðºº ãàðãàñàí íººöèéí

10. treasurer’s, or official

check, drawn by a bank on itself. Since the drawer and drawee are one and the same, acceptance is considered automatic and such instruments have been legally held to be promises to pay.

áàðèã÷èéí, ýäèéí çàñàã÷èéí, àëáàí ¸ñíû, êàññ÷íû ãýñýí òºðë¿¿äýýðýý òàíèãäñàí ÷åê. Òºëáºð òºëºã÷, òºëáºð õ¿ëýýí àâàã÷ íü íýã áàéãàà íü ÷åê çàéëøã¿é õ¿ëýýí çºâøººðºãäºõ íºõöëèéã áèé áîëãîäîã.

11.

Àÿëàã÷äûí ÷åê

:

Traveler's check

A negotiable instrument sold by a bank or other issuer in various denotations for the convenience of individuals who do not wish to carry cash. These checks are readily convertible into cash upon proper identification, usually by a signature in the presence of the cashing party.

Áýëýí ìºíãº îðëîõ áàðèìò áà ¿¿íèéã áàíê áîëîí ººð áóñàä ñàíõ¿¿ãèéí áàéãóóëëàãà ººðèéí íýðèéí ºìíººñ ãàðãàæ áîëíî. Ýíý òºðëèéí ÷åê¿¿ä íü áýëýí ìºíãººð øóóä ñîëèãäîõ áà ¿¿íèéã õ¿ëýýí àâàã÷èéí ãàðûí ¿ñýã áîëîí áèåèéí áàéöààëòûã ¿íäýñëýí îëãîãäîíî.

12.

Äàìæèõ ÷åê Transit check

Any item that a bank chooses to classify as not payable locally; an out-of-town check

: òóõàéí áàíêíû õóâüä òºëºãäºõ áîëîìæã¿é ãýæ ÿëãàãäñàí ç¿éë¿¿ä, æèøýý íü òóõàéí õîòîä õýðýãëýãääýãã¿é ÷åê ãì

13. Хуурамч чек Forged check

A demand draft, drawn on a bank, on which

the drawer's signature is not genuine

Банкинд бэлэн мөнгө болгуулахаар өгсөн чекэн дээрх чек бичигчийн гарын үсэг хуурамч байх

14.

Àâòîìàò ãóéâóóëãûí ¿éë÷èëãýý

Automat transfer service-

A service by which a bank moves funds from one type of account to another for its customer on a preauthorized basis.

Áàíê õàðèëöàã÷èéí çºâøººðëèéã óðüä÷èëàí àâñíû ¿íäñýí äýýð ìºíãºí õºðºíãèéã 1 äàíñíààñ íºãººä øèëæ¿¿ëýõ ¿éë÷èëãýý

15.

Àâòîìàò÷èëàãäñàí òåëëåðèéí ìàøèí

Automated teller machines (ATMs)

Electronic facilities, located inside or apart from a financial services institution, for handing many customer transactions automatically.

Õàðèëöàã÷èéí ã¿éëãýýã àâòîìàòààð õèéäýã ñàíõ¿¿ãèéí áàéãóóëëàãûí äîòîð áîëîí ãàäàà áàéðøèëòàé áàéäàã àâòîìàò ìàøèí.

16.

Automated teller machine /

Бэлэн мөнгөний автомат машин

a card operated facility for making bank deposits and

Данснаас бэлэн мөнгө авах картын ажиллагаатай

ATM / withdrawals төхөөрөмж.

17.

Automated clearing house

/ACH/

Автомат клиринг an electronic system for making regular payments of receiving regular credits

Тогтмол төлбөр хийх болон тогтмол зээл авах үйлчилгээний электрон систем.

18.

SWIFT Society for Worldwide interbank Financial Telecommunications (SWIFT)

A telecommunications system that transfers funds between banks internatiolally

Олон улсад банк хооронд мөнгө шилжүүлдэг холбооны систем

19.

Нэхэмжлэх InvoiceA commercial bill for

goods sold or services rendered

Үзүүлсэн үйлчилгээс эсвэл борлуулсан барааны төлбөрийн нэхэмжлэх

20. Даатгалын

гэрчилгээInsurance certificate

A document, issued by an insurer, providing a degree of protection

for merchandise during transit

Бараа бүтээгдэхүүнийг тээвэрлэх үед хамгаалах зорилгоор даатгагчаас гаргасан баримт бичиг

21.

Эзэмшигчдийн өмч Equity

Ownership interest, represented by stockholders'

investment and retained earnings; the

excess of a firm's assets over its

liabilities

Хувь нийлүүлэгчдийн хөрөнгө оруулалт буюу ашгаар баталгаажсан эзэмшигчдийн өмч буюу банкны пассиваас активийн илүү гарсан дүн

22.

Төлбөрийн даалгавар

гаргагч тал Drawer

The party who issues a set of written

instructions to a drawee, calling for a

payment of funds

Төлбөр гүйцэтгүүлэхээр төлбөр гүйцэтгэгч талд төлбөрийн даалгавар өгдөг тал

23.

Төлбөр гүйцэтгэгч тал Drawee

The party to whom the drawer issues

instructions to make payment. In the case of checks, the drawee

is a bank or other financial institution

Төлбөрийн даалгавар гаргагч талаас төлбөр гүйцэтгүүлэхээр даалгавар өгсөний дагуу төлбөр гүйцэтгэгч тал. Чекийн хувьд төлбөр гүйцэтгэгч тал нь банк, санхүүгийн байгууллага юм

24.

Төлбөрийн даалгавар

Draft A signed, written order by which one party

(the drawer) instructs another (the drawee) to make payment to a third (the payee). In

international banking, a draft is often called a

Нэг талаас гуравдагч этгээдэд төлбөр гүйцэтгүүлэхээр нөгөө талд бичгээр гаргасан, баталгаат гарын үсэг зурсан

bill of exchange

төлбөрийн даалгавар. Олон улсын банкны харилцаанд төлбөрийн даалгаврыг вексель гэж ихэвчлэн нэрлэдэг

25.

Бичгээр үйлдсэн төлбөрийн даалгавар

Documentary draft

A written order to pay, accompanied by

securities or other papers to be delivered

against payment or acceptance

Төлбөр гүйцэтгүүлэхээр эсвэл акцепт хийлгүүлэхээр үнэт цаас болон холбогдох баримтын хамт ирүүлсэн төлбөрийн даалгавар

26.

Ордер Order

27.

Äàìæèõ ÷åê Transit check

Any item that a bank chooses to classify as not payable locally; an out-of-town check

: òóõàéí áàíêíû õóâüä òºëºãäºõ áîëîìæã¿é ãýæ ÿëãàãäñàí ç¿éë¿¿ä, æèøýý íü òóõàéí õîòîä õýðýãëýãääýãã¿é ÷åê ãì

28.

Òåðìèíàë: Terminal

The holding of property by two or more persons in such a way that each has an undivided interest that, at the death of one, passes to the heirs or devisees and not an not to the survivor(s)

2 áà ò¿¿íýýñ äýýø ýòãýýä íýã àøèã ñîíèðõîëîîð íýã ýä õºðºíãèéã ýçýìøèõ áà õýðýâ õýí íýã íü íàñ áàðâàë ò¿¿íèé ýðõ íü õàìòðàí ýçýìøèã÷èä íü áèø õàðèí ºâ çàëãàìæëàã÷èä øóóä øèëæèíý

29. Áàðèìòààð øóóä

òºëáºð õèéõàêêðåäèòèâ

Sight letter of credit

An instrument, issued by a bank, by which the bank's credit is substituted for that of an individual or corporation. In merchandise shipments, a sight letter of credit permits payment of the funds immediately upon presentation of the documents evidencing the shipments.

Банкнаас гаргадаг төлбөрийн баримт. Ýíý аккредитив нь бараа тээвэрлэснийг нотолсон баримт бөгөөд үүнийг авчирснаар бараа тээвэрлэх үед төлбөрийг шууд хийхийг зөвшөөрдөг. Энэ баримтыг хувь хүн болон компниудад олгодог.

30.

íýõýìæëýõ Sight draft

A written order to pay upon presentation or delivery

Барааг хүргэж өгсөн үед төлбөр хийхийг шаардсан бичгээр үйлдсэн тушаал

31 Áàòàëãàà Settlor

A person who creates a trust (such as a living trust) to become

Áàòàëãàà ãàðãàæ ºãñºí õ¿í. Áàòàëãàà ãàðãàã÷, äîíîð,

. ãàðãàã÷ operative during his/her lifetime. Also called grantor, trustor, or donor

èòãýë òºð¿¿ëýã÷ ãýæ ìºí íýðëýäýã.

32. Аккредитив Letter of credit

A bank instrument substituting the credit of the issuing bank for the credit of another

party, such as an importer of merchandis

Аккредитив нээгч банкнаас бараа материалыг импортлогч компани буюу аккредитив нээлгэгчийн өмнөөс экспортлогчийн төлбөрийг гүйцэтгэнэ гэсэн бичгээр үйлдэгдсэн баталгаа буюу олон улсын худалдааны санхүүжилтийн нэгэн хэрэгсэл

33.

Áóöààí äóóäàãäàõ

Revocabl e

A term usually associated with letters of credit. It allows the letter of credit to be canceled or amended by either party without the approval of the other.

Ýíý íýð òîì¸î íü àêêðåäèòèâ äàíñíû ¿éë àæèëëàãààòàé õîëáîãäîí õýðýãëýäýã. Ýíý íü áóñäûí çºâøººðºëã¿éãýýð àêêðåäèòèâ äàíñûã öóöëàõûã çºâøººðºõ ÿâäàë þì.

34.

Буцаан үл дуудагдах Irrevocable

The term used to describe a letter of

credit that cannot be amended or canceled, except by full mutual agreement between

the parties

Талууд харилцан тохиолцсоноос бусад тохиолдолд өөрчилж, хүчингүй болгож болохгүй аккредитивийн төрлийг нэрлэдэг нэр томъёо

35.

Äàìæóóëàí ìýäýãäýã÷ áàíê Advising bank

A bank that has received notification from another financial institution of the opening of a letter of credit. This advising bank then contacts the beneficiary, reaffirming the terms & conditions of the letter of credit

ªºð ñàíõ¿¿ãèéí áàéãóóëëàãààñ àêêðåäèòèâ íýýõ ìýäýãäýë õ¿ëýýí àâñàí áàíê. ¯¿íèé äàðàà äàìæóóëàí ìýäýãäýã÷ áàíê íü òºëáºð õ¿ëýýí àâàã÷òàé õîëáîî òîãòîîæ àêêðåäèòèâûí íºõöëèéã áàòàëãààæóóëäàã.

36. Нээгч банк Issuing bank

A bank that issues a letter of credit based

on the application of a customer

Харилцагчийн хүсэлтийн дагуу аккредитив нээгч банк

37.

Ãàðàë ¿¿ñëèéí ãýð÷èëãýý Certificate of

origin

A document issued to certify the country of origin of goods or merchandise.

Áàðàà á¿òýýãäýõ¿¿íèé àëü óëñààñ ãàðàëòàéã áàòàëñàí áàðèìò.

×àíàðûí Certificate of A document issued by À÷èãäñàí áàðàà íü

38. ãýð÷èëãýý quality

an appraiser and attesting that goods being shipped conform to the buyer’s specifications.

õóäàëäàí àâàã÷èéí øààðäëàãàä íèéöýæ áàéãààã áàòàëæ ãàðãàñàí áàðèìò.

Á¿ëýã 2 Ñàíõ¿¿ãèéí áàéãóóëëàãà Part 2 financial institution Ñýäýâ 2.1 áàíêíû áàéãóóëëàãà charter 2.1 banking institution

¿íäñýí îéëãîëò óõàãäàõóóí Òîäîðõîéëîëò ìîíãîë àíãëè ìîíãîë Àíãëè

1. ¿íäýñíèé áàíê National bank

A commercial bank operating under a federal charter and supervised and examined by the Comptroller of the Currency. The word national must appear in some form in the bank’s corporate title. All national banks must belong to the Federal Reserve System and FDIC.

Валютын хянагчаар хянан шалгагддаг, холбооны зөвшөөрлөөр үйл ажиллагаагаа явуулдаг банк. Үндэсний гэдэг үг нь банкны нэгдмэл нэр дээр заавал гарч ирдэг. Бүх үндэсний банк нь холбооны нөөцийн тогтолцоо болон FDIC-ийн дагуу байд аг.

2. Òºâ áàíê Central bankA government “bank fo bank” generally responsible for national monetary policy

Çàñãèéí ãàçðûí áàíêíû áàíê ¿íäýñíèé ìºíãºíèé áîäëîãûã ÿâóóëäàã.

3.

Áàðüöààò çýýë Mortgage loan

Real estate credit, usually extended on a long-term basis with the property as security.

Үнэт цаас адил шинж чанартай удаан хугацаагаар сонгосон бодит хөрөнгийн зээл.

4. äàíñààð ºãºãäñºí çýýë (áîãèíî õóãàöààò çýýë )

Overdraft

A negative (minus) balance in an account, resulting from the paying of checks for an amount greater than the depositor’s balance.

Хадгалуулагчийн балансаас их гарч байгаа ба чекийн төлбөрийн үр дүнгээс шалтгаалж гарсан сөрөг баланс

5. ÇýýëCredit

An advance of cash merchandise or other commodity in exchange for apromise or other agreement to pay at a future date with interest if so agreed

Ãýðýý, õýëöëèéí ¿íäñýí äýýð óðüä÷èëàí îëãîñîí áýëýí ìºíãº, áàðàà òîâàð

6. Зээлдэгч Creditor A party to whom money is owed by another

Хэн нэгний мөнгийг өр байдлаар эзэмшиж байгаа тал

Зээлийн эрсдэл Credit risk – The possibility that a debtor may not be

Çýýëä¿¿ëýã÷ çýýëñýí ìºíãèéã

7. able to repayýðã¿¿ëýí òºëºõã¿é áàéõ íºõöºë áàéäàë.

8. Хүү Interest Money paid for the use of money

Мөнгө ашигласны төлөө төлсөн мөнгө

9. õàäãàëàìæ DepositAny placement of cash checks or other drafts with a bank for creit to an account

Áýëýí ìºíãº áîëîí ÷åêèéã äàíñàíä áàéðøóóëàõ

10.

Корреспондент банк /Õàðèëöàã÷ áàíê/

Correspondent bank

A bank that maintains an account relationship and / or engages in an exchange of services with another bank

. Õàðèëöàã÷ áàíêóóä õàðèëöàí äàíñ íýýæ, áèå áèåäýý áàíêíû ¿éë÷èëãýý ¿ç¿¿ëäýã.

11. Клиринг Clearing

Mhe process or methed by which checks ahd / or other point- of- sele mransactions are moved physicaiiy or electronicalle from the point or origin to a bank or order financial institution that maintains the customers account number

Àëèâàà íýãýí òºëáºð òîîöîî, àðèëæààã ã¿éöýòãýõ àðãà õýðýãñýë, ¿éë ÿâö.

12.

Àâòîìàò÷èëàãäñàí êëèðèíãèéí òºâ Automat

clearing house

A computerized facility that perfoms the clearing of paperless (electronic) entries between member financial institutions.

Á¿õ ¿éë àæèëëàãààãàà êîìïüþòåðèéí òóñëàìæòàé, öààñ õýðýãëýõã¿é ýëåêòðîí îðîëòòîé êëèðèíãèéí ¿éë÷èëãýýã ãèø¿¿í ñàíõ¿¿ãèéí áàéãóóëëàãûí äóíä ÿâóóëäàã òºâ.

13.

Áàíê õîîðîíäûí òºëáºð òîîöîîã çîõèöóóëäàã ñ¿ëæýý

CHIPS (Clearing House Interbank Payment System

Aprivate telecommunications service operated through the New York Clearing House for settlement among participgting banks

õóâèéí öàõèëãààí õîëáîîíû ¿éë÷èëãýý ¿ç¿¿ëäýã îïåðàòîðûí.

14.

áàíê Ñàëáàð Branch bankA bank that maintains a head office and one or more branches is subject to state law.

Áàíê íü òºâ îôôèñ áîëîí íýã áîëîí ò¿¿íýýñ äýýø íýãæòýé áàéäàã

15. Áàíêíû õóóëãà Bank

statement

A report, rendered by a bank to a customer, showing the account balance at the start of a period, the transactions affecting the closing balance

Õàðèëöàã÷èä áàíêíààñ ãàðãàæ ºãäºã òîäîðõîé õóãàöààíä õèéñýí õàðèëöàã÷èéí ã¿éëãýýíèé ìýäýý.

16.

Áàíê ýçýìøèã÷ êîìïàíè

Bank holding company

A corporation that owns, controls, or otherwise has the power to vote at least 25 percent of the voting stock in one or more

Áàíêèéã óäèðääàã ýñâýë íýã áà õýä õýäýí áàíêíû õóâüöààíû 25%-èàñ äîîøã¿é õóâèéã

banks. ýçýìøèã÷ êîðïîðàöè.

17.

Áàíêíû çàõèðàë Bank directors

The individuals elected by the bank’s stockholders to constitute the board of directors and who form the active, governing body of the bank as a corporation.

Áàíêíû õóâüöàà ýçýìøèã÷èäýýñ çàõèðëûí çºâëºëèéã óäèðäàõààð ñîíãîãäñîí õóâü õ¿í.

18. òàéëàí Áàëàíñ Balance

sheet

A detailed listing of assets, liabilities, and capital accounts (net worth), showing the financial condition of a bank or company as of a given date. A balance sheet illustrates the basis accounting equation: assets= liabilities + net worth.In banking, the balance sheet is usually referred to as the statement of condition

Áàíê áîëîí êîìïàíèéí ñàíõ¿¿ãèéí ¿ç¿¿ëýëòèéã òîãòîîñîí õóãàöààíä õàðóóëñàí õºðºíãº, ºð òºëáºð, ººðèéí õºðºíãèéí äýëãýðýíã¿é æàãñààëò. Ýíý íü íÿãòëàí áîäîõ á¿ðòãýëèéí “õºðºíãº= ººðèéí õºðºíãº+ ºð òºëáºð” ãýñýí ãîë òîìü¸îã èëýðõèéëäýã.

19.

Áàòàëãààò ãàðûí ¿ñýã

Authorized signature

The signature of those parties who have the legal right to issue instructions regarding an account.

Äàíñòàé õîëáîîòîé ÿìàð íýãýí ã¿éëãýý õèéõ õóóëü ¸ñíû ýðõ îëãîäîã òàëóóäûí ãàðûí ¿ñýã.

20.

Àâòîìàò÷èëàãäñàí êëèðèíãèéí òºâ Automat

clearing house

A computerized facility that perfoms the clearing of paperless (electronic) entries between member financial institutions.

Á¿õ ¿éë àæèëëàãààãàà êîìïüþòåðèéí òóñëàìæòàé, öààñ õýðýãëýõã¿é ýëåêòðîí îðîëòòîé êëèðèíãèéí ¿éë÷èëãýýã ãèø¿¿í ñàíõ¿¿ãèéí áàéãóóëëàãûí äóíä ÿâóóëäàã òºâ.

21.

Õÿíàí øàëãàã÷ Auditor

In banking, an individual, usually appointed by the bank’s directors and reporting directly to them, who is responsible for examining any and all phases of the bank’s operations.

Áàíêíû òîõèîëäîëä õÿíàí øàëãàã÷ ãýäýã íü áàíêíû çàõèðëóóäààð òîìèëîãäñîí õóâü õ¿í. Õÿíàí øàëãàñíû òºëºº õàðèóöëàãà õ¿ëýýäýã áºãººä çàõèðëóóäàä àæëàà òàéëàãíàäàã ýòãýýä.

22.

Àóäèò Audit - A formal or official examination and verification of account

Äàíñóóäûã øàëãàõ àëáàí ¸ñíû õÿíàëò

23.

Õºðºíãº Asset- Anything owned that has commercial or exchange value. Assets may consist of specific property or of claims against others, in

Àðèëæààíû áîëîí ñîëèëöîîíû ºðòºãòýé ç¿éë. Áóñäààñ àâàõ àâëàãà, ¿ë õºäëºõ õºðºíãº çýðýã áîëíî.

contrast to obligations due to others

24.

Орлогын тайлан

Income statement

A record of the income and expenses of a bank or

business covering a period of time. It is also called a profit and loss statement

Тухайн банк болон бизнесийн байгууллагын тайлант хугацааны туршид гарсан бүх зардал болон олсон орлогын тайлан. Мөн ашиг, алдагдлын тайлан гэж нэрлэдэг

25.

Ìýäýãäýë 1Advice-

A written acknowledgment by a bank of a transaction affecting an account; for example, debit or credit advices.

Äàíñòàé õîëáîîòîé ã¿éëãýýíèé òàëààðõ áè÷ãýýð õèéñýí ìýäýãäýë. Äåáèò, êðåäèò ã¿éëãýý ãýõ ìýò.

28.

Àâëàãà Account receivable-

Amounts due to a bank or business for merchandise sold on credit or for services rendered. Accounts receivable are short-term assets

Áàíê áîëîí áèçíåñò ¿ç¿¿ëñýí ¿éë÷èëãýý áîëîí çýýëýýð õóäàëäñàí áàðààíû òºëºõ õóãàöàà íü áîëñîí ä¿í. Àâëàãà íü áîãèíî õóãàöààò õºðºíãº þì.

29. Заавал байлгах

нөөц Legal reserves

The portion of banks' demand and time deposit? that must be kept in the

form of cash or acceptable equivalents for depositors'

protection

Хугацаагүй болон хугацаат хадгамламжийн тодорхой хэсгийг хадгаламж эзэмшигчийн эрхийг хамгаалах үүднээс заавал байлгах нөөцийг бэлэн мөнгөөр эсвэл зөвшөөрөгдсөн хэлбэрээр байгуулдаг.

30. Залилан Fraud

Intentional misrepresentation of a

material fact by one party so that another party,

acting on it, will part with property or surrender a

right

Нэг тал нь матеериаллаг зүйлс, баримтыг зориудаар буруу толилуулсанаар нөгөө талын хөрөнгийг өөрийн болгох эсвэл эрхийг нь шилжүүлэх үйлдэл

Холбооны нөөцийн систем

Federal Reserve System

The organization created by the Federal Reserve Act in 1913, consisting of the 12 district banks and their branches plus the member banks, who are the legal owners. The Fed Board of Governors, headquartered in Washington, exercises

1913 онд батлагдсан Холбооны нөөцийн эрх зүйн актад тодорхойлсоноор 12 дүүргийн банк, тэдгээрийн салбар, тооцооны төвүүд, хууль ёсны

31.

overall control over the nationwide operations of

the System

эзэмшигч болох гишүүн банкуудаас бүрдсэн байгууллага юм. Вашингтон хотод байрладаг Холбооны Захирлуудын Зөвлөл нь холбооны системийн орон дачар явуулж буй үйл ажиллагаанд хяналт тавьж ажилладаг

32.

Холбооны нөөцийн мөнгөн

дэвсгэрт

Federal Reserve notes

The paper money issued by any one of the 12

Federal Reserve banks and officially designated by the

federal government as legal tender. Each such note is an interest-free

promise to pay on d emand

Холбооны 12 дүүргийн банкны аль нь ч гаргасан эсвэл Холбооны Засгийн газраас албан ёсоор томилогдсон агентлагийн гаргасан цаасан мөнгө нь хуулийн өмнө хүчин төгөлдөр болно. Ийм мөнгөн дэвсгэрт эсвэл үнэт цаас нь анхны шаардлагаар хүүгүй буцаан төлөгдөх амлалт болно

33.

Холбооны нөөцийн банк

Federal Reserve banks

The 12 district institutions that deal with member

banks and the government. The district banks maintain branches

and check processing centers as necessary

Засгийн газар болон гишүүн банкуудыг хамаардаг 12 дүүргийн банк. Дүүргийн банкууд нь шаардлагатай бол өөрийн салбар, тооцооны төвийг нээж болно

34.

Факторинг Factor

A financial firm that purchases at a discount

the accounts receivable of other firms and assumes

the risks and responsibilities of

collection

Бусад байгууллагын дансны аьлагыг, холбогдох эрсдэл болон авлагыг барагдуулах үүргийн хамт хөнгөлттэй үнээр худалдан авдаг санхүүгийн байгууллага

35. Евродоллар Eurodollars

Deposits that are denominated in dollars but held in foreign branches or

banks

Долларын хадгаламж, харилцах боловч гадаадын салбар эсвэл банкинд байршуулсан хадгаламж, харилцах

Эскроу Escrow The holding of funds, Бизнесийн

36.

documents, securities, or other property by an

impartial third party for the other two participants in a business transaction. When the transaction is completed, the escrow

agent releases the entrusted property

арилжаа буюу гүйлгээнд оролцогч хоёр талын өмнөөс сан, баримт бичиг, үнэт цаас эсвэл бусад хөрөнгийг гуравдагч тал хадгалах. Гүйлгээ хийгдсэний дараа эскроуг гүйцэтгэгч тал хадгалсан хөрөнгийг олгоно

37.

Эзэмшигчдийн өмч Equity

Ownership interest, represented by

stockholders' investment and retained earnings; the excess of a firm's assets

over its liabilities

Хувь нийлүүлэгчдийн хөрөнгө оруулалт буюу ашгаар баталгаажсан эзэмшигчдийн өмч буюу банкны пассиваас активийн илүү гарсан дүн

38.

Дансаар өгөгдсөн зээл/богино хугацаат зээл

Overdraft A negative (minus) balance in an account, resulting from the paying of checks for an amount greater than the depositor’s balance.

Хадгалуулагчийн балансаас их гарч байгаа ба чекийн төлбөрийн үр дүнгээс шалтгаалж гарсан сөрөг баланс

39.

Зах зээлийн эрсдэл

Market risk The possibility of decline in the current value of a security; the loss that the holder of an investment may have to assume at the time of sale.

Үнэт цаасны ерөнхий ханш буурах боломж; худалдааны үед хөрөнгө оруулалт хийгчид гарах алдагдал

40.

Хөрөнгө Liquidity

The quality that makes an asset quickly and easily convertible into cash; also, the ability of a bank, business or individual to meet current debts.

Барьцаалсан хөрөнгө бэлэн мөнгөнд хялбар буюу хурднаар шилжих чадвар; мөн түүнчлэн банк, бизнесийн байгууллагууд болон хувь хүний нийтлэг өр зээл төлөх чадварийг хэлнэ.

41.

Өр òºëáºð Liability

Anything owed by a bank, individual, or business. A bank’s largest liability is the sum total of its deposits.

Банк, хувь хүн болон бизнесийн байгууллагуудаар зээлэгдсэн зүйл. Банкны хамгийн том өр бол хадгалàìæèéí мөнгөний нийт нийлбэр юм.

42.

Банк дампуурах Bank failure

situation in which a bank goes out of business because it can not meet its obligations. See assumption method and payoff method

Банк өөрийн үйл ажиллагаагаа явуулж чадахгүйд хүрч бизнесээс гарах нөхцөл байдал. /

төсөөллийн арга болон төлбөрийн аргыг харах/

43.

Баланс Balance

sheet

a summary statement of an individuals or a business’s financial condition on a given date

Хувь хүн болон бизнесийн нэгжийн санхүүгийн нөхцөл байдлыг тодорхой цаг хугацаагаар харуулсан баримт

44.

Хөрөнгө Asset

an item owned that has a value, 2 an item on a balance sheet showing the value of property owned or receivable

Эзэмшигчийн үнэ цэнэ бүхий эд зүйлЭзэмшилд буюу гар дээр байгаа, ирээдүйд хүлээн авхыг харуулсан балансаарх эд зүйл

45.

Дэлхийн Банк

World Bank (International bank for Reconstruction and Development)

The market in which an asset is traded for immediate delivery also called the cash market as opposed to a market for forward or future delivery

Маш түргэн хүргэлт хийхээр хөрөнгө борлуулдаг зах зээл. Мөн бэлэн мөнгөний зах зээл гэж нэрлэгддэг дараа нь хүргэдэг зах зээлийн эсрэг.

46.

Хадгаламжийн банк

Savings bank A financial institution that traditionally was limited to accepting savings deposits and making home mortgage loans

47.

Хуримтлагдсан ашиг

Retained earnings

Profits of a corporation that are not distributed as dividends to shareholders

Хувьцаа эзэмшигчдэд ноогдол ашигаар тараагаагүй ашиг

48.

Нөөц

Reserves Funds that a bank holds in the from of vault cash or deposits at the Federal Reserve

Холбооны нөөцөд банкны байршуулсан бэлэн мөнгө эсвэл депозитийн сан

49.

IBF- Îëîí óëñûí áàíêíû ¿éë÷èëãýý-

International Banking Facility (IBF

A domestic branch bank established for international banking and treated for regulatory purposes as a foreign branch.

Äîòîîäûí áàíê îëîí óëñûí áàíêíû ñàëáàðò ¿éë àæèëëàãààãàà ÿâóóëàõ çîðèëîãòîéãîîð áàéãóóëàãääàã

50.

Õ¿¿ rate Çýýëäýã÷ýýñ, çýýëä¿¿ëýã÷èä ìºíãºº õýðýãë¿¿ëñýíä ºãºõ çýýëñýí ìºíãºíèé òºëáºð.

51.

Îðëîãûí òàéëàí Income statement

A summary statement of an individual’s or a business’s current receipts and current expenditures during a period of time.

Õóâü õ¿í áîëîí àæ àõóé íýãæ áàéãóóëëàãûí ñ¿¿ëèéí òîäîðõîé õóãàöààí äàõü ¿åèéí îðëîãî, çàðëàãûí õóðààíãóé òàéëàí.

Бодит зээлийí хүүгийн түвшин Real interest

The interest rate in terms of goods and services;

Нэрлэсэн хүүгээс инфляцийг хасч

52.

rate approximated by substracting the rate of inflation from the nominal interest rate

тооцсон хүү /Бараа үйлчилгээний зээлийн хүү/

53.

õóâüñàõ хүүтэй зээл

Variable rate loan

A loan that allows the lender to make periodic adjustments in the interest rate, according to fluctuating market conditions. Also referred to as an adjustable rate loan.

Зээлдэгч нь тодорхой үеүүдэд зээлийн хүүд өөрчлөлт хийх боломжтой зээл. Эсвэл тохируулдаг хүүтэй зээл гэж нэрлэнэ.

54.

Çýýëèéí õóãàöàà Time loan

An extension of credit with a specific repayment date.

Çýýëèéí õóãàöàà ñóíãàõ: çýýë òºëºõ õóãàöààã òîäîðõîé õóãàöààãààð ñóíãàõ

55.

Õóãàöààòàé çýýëèéí ýðõ

Time letter of credit

A letter of credit containing a specific maturity date for payment.

òºëáºð òºëºõ õóãàöààã òîäîðõîé çààñàí çýýëèéí ýðõèéí áè÷èã

56.

Õóãàöààòàé õàäãàëàìæ

: Time deposit

An account which carries a specific maturity date, with limitations on withdrawals before that date.

òîäîðõîé çààñàí õóãàöààíä çàðëàãûí ã¿éëãýýã õÿçãààðëàäàã õàäãàëàìæèéí äàíñíû íýã òºðºë

57.

Õàìòðàí ò¿ðýýñëýã÷:

Tenants in common

The holding of property by two or more persons in such a way that each has an undivided interest that, at the death of one, passes to the heirs or devisees and not an not to the survivor(s)

2 áà ò¿¿íýýñ äýýø ýòãýýä íýã àøèã ñîíèðõîëîîð íýã ýä õºðºíãèéã ýçýìøèõ áà õýðýâ õýí íýã íü íàñ áàðâàë ò¿¿íèé ýðõ íü õàìòðàí ýçýìøèã÷èä íü áèø õàðèí ºâ çàëãàìæëàã÷èä øóóä øèëæèíý

58.

Õàäãàëàìæèéí хуулга Statement

savings

A savings account in which a periodic statement replaces the passbook

Õàäãàëàìæèéí äýâòðèéã îðîëñîí òóõàéí ¿åèéí ìýäýãäýë á¿õèé õàäãàëàìæèéí äàíñ.

59.

Óëñûí áàíê State bankA commercial bank chartered by the state in which it is headquartered.

Óëñ òóñãàé ýðõ îëãîæ ººðèéí óäèðäàõ øòàáàà áàéðëóóëñàí àðèëæààíû áàíê

60.

¯éë÷èëãýýíèé õºëñ

Service charge

A fee levied by a bank for services rendered.

¯éë÷èëãýý ¿ç¿¿ëñýíèéõýý òºëºº àâ÷ áóé òºëáºð

61.

Õàäãàëàìæèéí äàíñ

Savings account

An interest-bearing relationship used by a customer to accumulate funds. Savings accounts have no fixed maturity date.

¿éë÷ë¿¿ëýã÷èéí ìºíãºº àðâèæóóëàõ ñîíèðõîëûí äàãóó áèé áîëäîã õàðèëöàà. Õàäãàëàìæèéí äàíñ òîãòñîí õààõ ºäºðã¿é áàéíà.

The ideal perception by customers that the bank is

ºì÷ õºðºíãº ìºíãºº õàäãàëóóëñàí

62.

Àþóëã¿é áàéäàë Safety

in a position to honor all anticipated demands for withdrawals of funds and that the bank has taken all appropriate measures to provide full protection for all property entrusted to it.

¿éë÷ë¿¿ëýã÷èéí èòãýëèéã äààæ ÿìàð íýãýí ç¿éë òîõèîëäîõîä õàðèóöëàãà õ¿ëýýõ íºõöºë áàéäàë

63.

Íººö Reserves Portions of a bank's funds set aside to meet legal requirements and/or for known or potential expenses or losses.

Ìýäýãäýæ áàéãàà áîëîí áîëçîøã¿é àëäàãäëûã íºõºõºä áîëîí õóóëèéí ìýðãýæèëòýíä çîðèóëàãäñàí áàíêíû çàðäëûí íýã õýñýã.

64.

Õ¿ëýýí àâàã÷ òåëëåð

Receiving teller

A bank representative who accepts and verifies deposits and issues receipts for them, but has no paying or cashing duties.

Çºâõºí áàíêíû ã¿éëãýý, îðëîãî çàðëàãûí áàðèìòûã õ¿ëýýí àâ÷ õîëáîãäîõ ã¿éëãýýã õèéäýã áàíêíû àæèëòàí. Ýíý õ¿í ìºíãº õóðààõ, ºãºõ çýðýã êàññíû ¿éë àæèëëàãààã õèéõã¿é.

Ñýäýâ 2.1 Áàíê áóñ ñàíõ¿¿ãèéí áàéãóóëëàãà charter 2.1 nonbanking financial institution

¹ ¿íäñýí îéëãîëò óõàãäàõóóí

Òîäîðõîéëîëò

ìîíãîë àíãëè àíãëè Ìîíãîë

1. Зээлийн áàéãóóëëàãà Credit union –

A voluntary cooperative association of individuals having some common bond ( for example place of employment) organized to accept deposits extend loan and provide otder financial services

Õîðøîîíû õýëáýðýýð ¿éë àæèëëàãàà ýðõýëäýã ñàíõ¿¿ãèéí áàéãóóëëàãà. Õàäãàëàìæ õ¿ëýýæ àâäàã, çýýë îëãîäîã, áóñàä ñàíõ¿¿ãèéí ¿éë÷èëãýý ¿ç¿¿ëäýã.

2.Т этгэврийн ñàí Pension trust A trust fund

established by an employer (usually a corporation) to provide benefits for incapacitated or retired employees, with or without their contributions

Хөдөлмөрийн чадваргүй болсон болон тэтгэвэрт гарсан ажилчдын эрх ашгийг хангахын тулд ихэвчлэн корпорацийн ажилчдаар өөрсдийнх нь хувь нэмэртэй болон хувь нэмэргүйгээр үүсгэгдсэн даатгалын сан.

3.

Амьдралын даатгал

Living trust A trust fund that becomes effective during the lifetime of the trustor (settlor).

Даатгуулагчийн амьд байх хугацаанд хүчин төгөлдөр байдаг даатгалын хөрөнгө.

4. Хадгаламж, зээлийн холбоо

Savings and loan association (S&L)

The relationship that traditionally was limited to accepting savings deposets, usually as shares, and making home mortgage loans

Хязгаарлагдмал хадгаламж ба жижиг зээлийн эрх бүхий санхүүгийн байгууллага

5. Äààòãàëûí êîìïàíè Insurance company

A financial institution providing protection against loss (of life or property) or costs (such as medical or legal costs) by accepting payments (premiums) in return for a guarantee of compensation.

Ýä õºðºíãº áîëîí àìü íàñàà àëäàõàä äààòãóóëñàí õýìæýýã- õàðãàëçàí õîõèðëûã íºõºí òºëæ áàðàãäóóëäàãáàéãóóëëàãà.

6. Õàäãàëàìæ çýýëèéí õîðøîî:

Thrift institution

The broad term used to describe savings and loan associations, whose primary function is accepting deposits and granting mortgage loans.

Õàäãàëàìæèéí áàíê áîëîí õàäãàëàìæ çýýëèéí õîðøîîíû íèéòëýã íýð, ¿íäñýí ¿éë àæèëëàãàà íü õàäãàëàìæ àâ÷, áàðüöààò çýýë îëãîõ

7. Õàäãàëàìæèéí áàíê

Savings bank

A thrift institution specializing in savings accounts but also offering other forms of deposit relationships, including checking accounts. See also mutual savings bank. Many savings banks have become federally chartered, rather that state chartered.

Õàäãàëàìæèéí äàíñíóóäààñ ãàäíà áóñàä õîëáîãäîõ äàíñíû ã¿éëãýý õèéõ ¿éë àæèëëàãàà ÿâóóëàõààð ÷èãëýñýí áàéãóóëëàãà

8.

Õàäãàëàìæ çýýëèéí хоршоодын õîëáîî

Savings and loan association (S&L)

A federally chartered or state or state chartered thrift institution that accepts various types of deposits and uses them primarily for mortgage loans. By making deposits, the members of a cooperative S&L are actually buying stock in it.

áàíêíààñ тусгай эрх авсан төрөл бүрийн áàðüöààò çýýë îëãîõ үйл ажиллагаа явуулдаг áàéãóóëëàãà.Õàäãàëàìæ íýýëãýõ çàìààð ÕÇÕ-íû ãèø¿¿ä õîðøîîíîîñ õóâüöàà õóäàëäàæ àâäàã

9. Õàìòûí ñàí Mutual fund

A fund that pools the investment of a large number of shareholders and purchases securities

Îëîí õóâüöàà ýçýìøèã÷èéí õºðºíãº îðóóëàëòûã òàòàæ õóâüöàà ãýõ ìýò õºðºíãèéã õóäàëäàæ

such as stocks or in money market mutual fund money market instruments

ýñâýë ìºíãºíèé çàõ çýýë äýýðõ õî¸ð òàëò ñàíãèéí ìºíãºíèé çàõ çýýëèéí õýðýãñýë áàéæ áîëíî.

Á¿ëýã 3. Ñàíõ¿¿ãèéí çàõ çýýëpart . financial market

Ñýäýâ 3.1 Õºðºíãèéí çàõ çýýë charter 3.1 capital market

¿íäñýí îéëãîëò óõàãäàõóóí

Òîäîðõîéëîëò

ìîíãîë àíãëè àíãëè Ìîíãîë

1.Ýíãèéí õóâüöàà Common

stock

Certificates evidencing ownership of a corporation and generally giving the stockholder voting rights Common stockholders have rights inferior to those who hold the corporation s bond preferred stock and other debts

Áè÷èãò çààñàí ýòãýýäýä õóâüöàà ýçýìøèõ, ãèø¿¿¿äèéí õóðëûí ¿åýð ñàíàë ºãºõ çýðýã ýðõ îëãîäîã áàðèìò áè÷èã, ñåðòèôèêàò.

2.

Preferred stock Давуу эрхт хувьцаа

Securities that give the holder a right to share in a bank’s or corporation’s profits before common shareholders. If the institution is liquidated, preferred stockholders have a prior claim on its assets over common stockholders and certain other creditors. Preferred stock usually does not give the holder voting

Энгийн хувьцаа эзэмшигчдээс түрүүлж банк болон корпорациудын ашгийг хуваах эрхийг эзэмшигчдэд олгох зайлшгүй байдал. Хэрвээ компани нь татан буугдсан тохиолдолд давуу эрхийн хувьцаа эзэмшигчид нь энгийн хувьцаа эзэмшигчид болон бусад зээлдүүлэгчид нараас түрүүлж өөрийн хөрөнгөө авах давуу эрхтэй. Давуу эрхтэй хувьцаа эзэмшигч нь ихэвчлэн санал өгөх эрхгүй байдаг

3.

Discount õÿìäðóóëàëò Interest withheld when a note draft or bill is purchased or collected in advance at the time

Çýýë îëãîõ, ñàíõ¿¿ãèéí õýðýãñýë îëãîõ ¿åä óðüä÷èëàí àâàõ øèì

a loan is made

4.Купон / Тасалбар Coupon

One of a series of promissory notes of consecntive maturimies attavhed to bond or other debt certificate and intended to be detached and presented on their respective due dates for payment of interest

Áîíä áóþó áóñàä ºðèéí áè÷ãèéã äàãàëääàã ýýëæèò õóâü õ¿ðòýõ ýðõèéí òàëîí, áè÷èã.Òºëáºð õèéõ öàã õóãàöààã çààñàí áàéäàã.

5.

Корпораци Corporation

A bisiness organization treated as a legal entity and owner by a group of stockholders The stockholders ( shareholders ) elect the directors who will manage the affairs of the corporation

Áèçíåñèéí ¿éë àæèëëàãàà ýðõýëäýã õóóëèéí ýòãýýä. Êîðïîðàöè íü íýã õ¿íèé áóþó õýñýã õ¿ì¿¿ñèéí ýçýìøèëä áàéäàã. Õóâüöàà ýçýìøèã÷ íàð êîðïîðàöèéí ºäºð òóòìûí ¿éë àæèëëàãààã ýðõëýõ ã¿éöýòãýõ çàõèðëûã òîìèëäîã

6. Õóâüöààò êàïèòàë

Capital stock -

Usually synonymous with common stock; the total amount of shares of ownership in corporation. The total amount of corporation’s common and preferred stock is authorized by its charter or certificate of incorporation

Õóâü íèéë¿¿ëýã÷äèéí íèéò õóâüöààíû ä¿íã èëýðõèéëýõ áºãººä åðºíõèéäºº ýíãèéí õóâüöààòàé èæèë.

7. ÊàïèòàëCapital

An accounting term describing the excess of assets over liabilities. Capital accounts include money raised through the sale of stock, retained earnings, and borrowings in the form of notes or debentures.

Õºðºíãèéí ºð òºëáºðººñºº äàâñàí õýìæýý. Ýíý íü õóâüöààíààñ îëñîí ìºíãº, õóðèìòëàãäñàí àøèã çýðãýýñ á¿ðäýíý

8. Áoíäûí áàòàëãàà

Bond of indemnity

A writing instrument issued to protect a party against loss

Àëäàãäëààñ õàìãààëæ áè÷ãýýð ãàðãàñàí õýðýãñýë.

9. Áîíä Bond

An instrument that evidences long-term debt. The issuer (a corporation, unit of government, or other legal entity ) promises to repay the stated principal at a specified date. Bonds may be registered(identifying the holder ) or bearer (not identifying the holder).

Óðò õóãàöààíû ºðèéã èëýðõèéëñýí càíõ¿¿ãèéí õýðýãñýë. Áîíä ãàðãàã÷ íü / Çàñãèéí ãàçðûí íýãæ, êîðïîðàöè, áóñàä õóóëèéí ýòãýýä / òîäîðõîé õóãàöààíû äàðàà òîãòîîñîí ìºíãèéã ýðã¿¿ëýí òºëºõººð áàòàëæ ãàðãàñàí áàðèìò. Áîíä íü ýçýìøèã÷ýý çààñàí áîëîí çààãààã¿é áàéæ áîëíî.

ºðèéí áè÷èã Bill Money; paper currency

10.

ºðèéí áè÷èã.

11.

Хөрөнгө оруулалт Investment

The exchange of money, either for a promise to pay at a later date (as with bonds) or for an

ownership share in a business (as with

stocks)

Бизнесийн тодорхой хувийг эзэмших эсвэл тодорхой хугацаааны дараа төлөгдөх нөхцөлтэйгээр мөнгөөр үнэт цаас худалдаж авах

12.

Нэгж хувьцааны

ашиг Earnings per share

The most common method of expressing a company's profit. It is obtained by dividing

the profits by the number of outstanding

shares of common stock

Компанийн ашгийг тодорхойлоход хамгийн түгээмэл ашиглагддаг арга. Нэгж хувьцааны ашгийг тооцохдоо нийт ашгийн дүнг энгийн хувьцааны үлдэгдэл дүнд хуваана

13.

Дуудлага худалдаа

Auction market

a market where buyers and sellers bargain directly with each other

Худалдагч Худалдан авагч хоорондоо шууд үнэ хаялцах зах зээл

14.

Үнэт цаас Securities

Financial instrument representing ownership or debt, such as stocks and bonds that provide claims to future expected cash flows

Хувьцаа бонд зэрэг эзэмшигчдийн өмчлөлийг илэрхийлдэг санхүүгийн хэрэгсэл. Энэ нь ирээдүйн мөнгөн урсгалын баталгааг хангадаг

15. Хувьцаа Share

A unit of ownership in the capital stock of a corporation

Корпорацийн өìчлөлийн хувь оролцооны нэг нэгж

16.

Хоёрдогч үнэт цаасны зах зээл

Secondary securities market

A financial market in which previously issued securities are traded

Өмнө гаргасан үнэт цаас худалдаалдаг санхүүгийн байгууллага

17.

Бодит актив Real assets Property such as land or equipment. As distinguished from financial assets. such as stocks and bonds

Хувьцаа бонд зэрэг санхүүгийн хөрөнгөөс ялгаатай газар тоног төхөөрөмж зэрэг өмч

18.

áðîêåð Broker

An institution (or individual) who arranges purchases and sales of others and receives a commission on each transaction

Áðîêåð ãýäýã íü õóäàëäàõ çîõèîí áàéãóóëàõ òîîöîîíû ¿íäñýí äýýð ¿íýò öààñíû àðèëæààã ÿâóóëäàã ýòãýýä

19.

Íîîãäîë àøèã dividendEarning of a corporation that are distributed to stockholders

Êîðïàðàöèéí õóâüöàà ýçýìøèã÷äýä òàðààãäàõ öýâýð îðëîãî

Ñýäýâ 3.2 Ìºíãºíèé çàõ çýýë charter 3.2 money market



ìîíãîë àíãëè àíãëè ìîíãîë

1. Мөнгөний зах зээлийн хэрэгслүүд

Money market instruments

Short-term obligations; that is, obligations having a maturity of one year or less. These include U.S.Treasury bills, banker’s acceptances, and commercial paper.

Богино хугацааны үүрэг; Энэ нь нэг жил болон түүнээс бага хугацаанд боловсрогдон гардаг үүрэг юм. Эдгээрт нэгдсэн улсын үнэт зүйлийн билл, банкируудын зөвшөөрлүүд болон арилжааны цаасууд орно.

2. Мөнгөний зах зээлийн сан

Money market fund

A mutual fund that pools investors’ contributions and invests them in various money market instruments

Хөрөнгө оруулагчдын хувийг нэгтгэх тэдгээрийг олон төрлийн мөнгөний зах зээлийн санхүүгийн хэрэгсэлд хөрөнгө оруулдаг нийтийн сан.

3.Àðèëæààíû áè÷èã

Commercial paper

Short – term unsecured promissory notes issued by major corporations of unguestioned credit standing for borrowing purposes

Áîãèíî õóãàöààòàé òîìîîõîí êîðïîðàöèóäààñ çýýë àâàõ çîðèëãîîð ãàðãàäàã ºðèéí áè÷èã.

4.Õàäãàëàìæèéí ñåðòèôèêàò Certificate of

deposit

A formal receipt issued by a bank for a specified amount of money left with the bank

Áàíêèíä õàäãàëóóëñàí ìºíãºíèé ä¿íä áàíêíààñ îëãîñîí àëáàí ¸ñíû áàðèìò.

5.Банк

хоорондын зээл

Interbank loan

An extension of credit by one bank to another

Нэг банкнаас нөгөө банкдаа олгосон зээл

6.Мөнгөний зах зээлийн хэрэгслүүд

Money market instruments

Short-term obligations; that is, obligations having a maturity of one year or less.

Богино хугацааны үүрэг; Энэ нь нэг жил болон түүнээс бага хугацаанд боловсрогдон гардаг үүрэг юм

7.

Spot зах зээл Spot market The market in which an asset is traded for immediate delivery also called the cash market as opposed to a market for forward or future delivery

Маш түргэн хүргэлт хийхээр хөрөнгө борлуулдаг зах зээл. Мөн бэлэн мөнгөний зах зээл гэж нэрлэгддэг дараа нь хүргэдэг зах зээлийн эсрэг.

8.

IMF- Îëîí óëñûí ìºíãºíèé ñàí.

International Monetary Fund (IMF)

An international organization set up in 1944 to super-vice

Îëîí óëñûí áàéãóóëëàãà àíõ 1944 ñàíõ¿¿ãèéí íºõöëèéã õàíãàæ, âàëâòèéí õàíøèéã

exchange rates and to promote orderly international financial conditions.

õÿíàõààð ¿¿ñãýí áàéãóóëàãäñàí.

9. Амлалтын бичиг

Promissory note

A written promise to pay a specified sum of money at a specified time or on demand,

Тодорхой хэмжээний төлбөрийг тогтосон хугацаанд төлөхийг амласан бичиг

10.

Õàäãàëàìæèéí ãýð÷èëãýý

Savings certificate

A written, evidencing the depositing of a stated sum of money, usually for a specific time frame at a specified rate of interest. The certificate must be surrendered to the issuing bank to obtain funds.

Òîäîðõîé õóãàöààíä òîäîðõîé õ¿¿ãýýð ºñºõèéã èëòãýñýí/áàòàëñàí áàðèìò áè÷èã

Ñýäýâ 3.3 Ãàäààä âàëþòûí çàõ çýýë charter 3.3 foreign exchange market



ìîíãîë àíãëè ìîíãîë àíãëè

1.

Гадаад валютын арилжаа

Foreign exchange

Trading or exchanging of the currencies of other countries in relation to one another or to U.S.

currency

Бусад орны валютыг хооронд нь эсвэл ам.доллараар арилжих

2.

Ãàäààä âàëþòûí õàíø Foreign

exchange rate

The value of a unit nation’s money in terms of another nation’s money

¯íäýñíèé ìºíãºí òýìäýãòèéí íýãæ ¿íý ººð óëñûí ìºíãººð õºðâºãäºõ

3.

Âàëþòûí òîãòìîë õàíø

Fixed exchange rates

An international financial system in which rates of exchange between the values of different countries currencies are maintained at agreed-upon levels.

ªºð ººð óëñ îðíû õàíøèéí ºñºëòèéã òîãòîîñîí õýìæýýíä áàéëãàõ Îëîí Óëñûí ñèñòåì

Ñýäýâ 3 .4 Óëàìæëàãäñàí çàõ çýýë charter 3.4 traditional market



ìîíãîë àíãëè àíãëè ìîíãîëХэджинг хийх Hedging Taking action to Эрсдлийг бууруулах

1. neutralize risk. арга хэмжээ.

2. Put option Put option

An option contract in which the option buyer has the right (but not the obligation ) to sell a specified quantity of the underlying asset at aspecified price until the expiration date of the option

Опционы хугацаа дуусахаас өмнө үндсэн хөрөнгийг тодорхой үнээр, тодорхой тоо хэмжээгээр худалдах эрх /үүрэг биш / бүхий гэрээ

3. Êîëë îïöèîí Call option

An option contract in which the option has the right (abut not the obligation) to buy a specified guantity of the expiration date of the option

Îïöèîíû ãýðýý ýíýõ¿¿ ãýðýýíä îïöèîíûã õóäàëäàí àâàã÷ íü îïöèîíû äóóñãàõ ºäðèéã õ¿ðòýë õºðºíãèéí òîäîðõîé òîî õýìæýýã òóñãàé ¿íýýð õóäàëäàí àâàõ ýðõòýé.

4. Õåäæåð- Hedger

One who tries reduce the risk of loss resulting from a change in the price of a particular asset. In futures markets, it is someone who sells a futures contract while holding the underlying asset (short hedger) or purchases such a contract in anticipation of purchasing the underlying asset (long hedger).

¯íèéí áóóðàëòààñ áîëæ ãàðàõ àëäàãäàëûí õîõèðëûã áàãàñãàõ, èðýýä¿éä çàõ çýýëä ¿íý õ¿ðýõ ¿ë õºäëºõ õºðºíãèéã õóäàëäàí àâ÷ ýðã¿¿ëýí çàðàã÷

5. Фьючерс гýðýý Futures contract

A standardized agreement, traded on an organized futures exchange, for delivery of a specific commodity or security at a specified price.

Òîäîðõîé õóãàöààíä òîäîðõîé ¿íýýð áàðààã õóäàëäàõ, ¿éëäâýðëýõ, ñîëèëöîíî ãýæ çºâøººðºí áàòàëñàí ãýðýý.

6. Ôîðâàðä ãýðýý

Á¿ëýã 4. Ìºíãºíèé íèéë¿¿ëýëò , ìºíãºíèé áîäëîãî part 4 money supply, moneytary policy



ìîíãîë àíãëè ìîíãîë àíãëè

1.Ìºíãºíèé íèéë¿¿ëýëò Money supply

The total amount of funds available for spending in the nation at any point in time.

Цаг хугацааны ямар ч үед үндэсний зарцуулахад бэлэн байдаг хөрөнгийн нийт хэмжээ

2.Нээлттэй зах зээлийн үйл ажиллагаа

Open market operations

Short-term obligations; that is, obligations having a

Богино хугацааны үүрэг; Энэ нь нэг жил болон түүнээс бага

maturity of one year or less.

хугацаанд боловсрогдон гардаг үүрэг юм

3.ìºíãºíèé бодлого Monetary

policy

The general term for the actions taken by the Federal Reserve to control the flow of money and credit.

Мөнгө болон зээлийн гүйлгээнд хяналт тавих үйл ажиллагаа

4.Зээлийн хязгаар

Line of credit

An expression of the maximum amount of credit a bank is willing to lend to a borrower. Confirmed lines of credit are made known to the customer; guidance lines of credit are for the bank’s internal use only

Банкны зээл хамгийн дээд хэмжээгээрээ зээлэгчдэд гарч буйг хэлнэ. Зээлийн хэвшмэл хязгаарийг бүх хэрэглэгчид мэддэг байхад зээлийн удирдлагын хязгаар нь зөвхөн банкны дотоод хэрэгцээнд байдаг

5.Balance of payment/ national/

Төлбөрийн баланс

a record of payments that one country makes to and receives from all other foreign countries

Нэг улс орон гадаад орон руу шилжүүлж болон хүлээн авч байгаа төлбөрийн бүртгэл.

6.Заавал байлгах нөөцийн харьцаа

Required reserve ratio

The proportion of bank reserve to deposets that a bank must hold according to law

Хүүгийн дагуу банкны заавал байлгах нөөцийн хэмжээ

7. Заавал байлгах нөөц

Required reserves

Funds that a bank must hold in the from of vault cash or deposits at the Federal Reserve to meet its required reserve ratio

Заавал байлгах нөөцийн харьцаагаар банк Холбооны нөөцөд заавал байлгах бэлэн мөнгө буюу депозитийн сан

8. Бодит ДНБ Real GNPGross national product adjusted for the effects of inflation

Дотоодын нийт бүтээгдэхүүн- инфляцийг тооцсон ДНБ

9.Мөнгөний тооны онол

Quantity theory of money

The theory that a proportional increase in the supply of money leads to a proportional increase in the price level

Мөнгөний нийлүүлэлтийн өсөлтийг пропорционалаар өсгөдөг гэсэн онол

10.

Èíôëÿöè- inflation Generally rising price levels,

¯íèéí ºñºëò

11.

Үíäýñíèé нийт á¿òýýãäõ¿¿í (Í¯Á)

Gross national product (GNP)

The total value of goods and services produced in the economy in a given year.

ºãºãäñºí îíä çàõ çýýëä ¿éëäâýðëýãäñýí áàðàà áîëîí ¿éë÷èëãýýíèé íèéò ºðòºã

12.

ËÌ ìóðóé LM curve

Graph of points showing combinations of level of GNP and inmerest rates at which liguidity preference eguals tne money supply

¿íäýñíèé íèéò á¿òýýãäýõ¿¿íèé õýìæýý áîëîí õ¿¿ãèéí õàðüöààíû ò¿âøíèéã òîäîðõîéëñîí ãðàôèê

13.

ìîíåòàðèçì monetarism

The position based in Classical economics that an invisible hand pushes the economy toward a full employment level of production at which it is inherently smable and that government efforts to affect economic activity through countercyclical policies are unnecessary and potentially damaging. Also associated with the guantity theory of money

Ñîíãîäîã ýäèéí çàñàãò ¿ë ¿çýãäýã÷ ãàð íü àæèë ýðõëýëòèéã äýýä öýãò íü õ¿ðãýæ òóõàéí ò¿âøèíä òîãòâîðòîé õàäãàëæ ëàíãóóíû ýðãýëòèéí áîäëîãîîð çàñãèéí ãàçðûí ç¿ãýýñ ýäèéí çàñàãò ÿìàð íýã íºëºº ¿ç¿¿ëýõ àðãà õýìæýý àâàõ øààðäëàãàã¿é áîëîõ ¿çýãäëèéã õýëíý. Ìºí ìºíãºíèé îíîëòîé ÷ õîëáîîòîé.

14.

Ñóóðü ìºíãº Monetary base Total bank reserves plus currency held by the nonblank public

Áàíêèí äàõü íèéò íººö áà áàíêíààñ ãàäóóðõ íèéò ìºíãºíèé íèéëáýð

15.

Ìºíãº ¿ðæ¿¿ëýã÷ Money multiplier

16.

Ìºíãºíèé íèéë¿¿ëýëò

money supply The total of currency outside banks and demand deposits

Ãàð äýýð áàéãàà áýëýí ìºíãº + àðèëæààíû áàíêèí äàõü õàðèëöàõ

Vocabulary-Principle of Banking & Finance

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