金融英文词汇用语 4 Financial Vocabulary 4
Broad money is measured by counting money kept by banks and people. broad money 广义货币
Under capitalised means it has too little money to be able to develop.
The base rate is used to decide how much to charge for lending money. base rate 基准利率
Example:
My mortgage rate is always 1% higher than the bank base rate.
mortgage rate 按揭利率；抵押贷款利率
Disposable income is the money (income after taxes)which you can spend as you want and not on basic needs.
Disposable Income 个人可支配收入（税后收入）
Example:
Due to a recent salary rise, I now have quite a lot of disposable income.
salary rise 涨薪
The fixed assets of a business are things of value such as buildings. fixed assets 固定资产
Example:
Most of the value of the company is tied up in fixed assets, such as the shops.
The extra money paid to someone because their job is dangerous is called danger money.
danger money 危险工作津贴
An overdraft facility is an agreement between a bank and customer which allows the bank account to be temporarily allowed to owe to the bank. overdraft facility 透支贷款
Example：
As we sometimes have a cash flow problem, we have agreed an overdraft facility with our bank.
cash flow 现金流
Factory gate prices are the prices which a factory sells its goods for. factory gate price 出厂价
A copper-bottomed investment can be trusted completely because it is certain to succeed.
copper-bottomed 稳妥投资；可靠投资
A champagne socialist spends money wastefully but claims to support a fair society.
champagne socialist香槟酒社会主义者
daylight robbery is charging an unreasonably high price for something daylight robbery 明目张胆的打劫，漫天要价，敲竹杆
charge 收费
Example:
$10 for an orange juice? That's just daylight robbery!
A bridging loan is what a bank lends to you until you can get the money from somewhere else.
bridging loan 过渡性贷款
Example:
My bank has given me a bridging loan to cover the next month until I get paid.
to cover 用以应付支付，覆盖上...
A blank cheque has been signed but does not yet have the amount of money written on it.
blank cheque 空额支票（已签名但未填金额）
Example:
A company car and gym membership are two of the fringe benefits I receive from my company.
A clearing bank exchanges cheques with other banks.
clearing banks 清算银行；票据交换银行
A down payment is an amount of money which is only part of the total cost. down payment 首付款；预付金
Example：
I've made a $100 down payment on a new 42” Plasma Screen TV.
Plasma Screen TV 等离子电视
A credit squeeze is when it is difficult to borrow money from banks. credit squeeze 信贷紧缩
A bounced cheque is one which has not been accepted by a bank because of a lack of money in the account.
Bounced Cheque 支票跳票；开空头支票
Example:
The bank made me pay a penalty of $10 for a bounced cheque.
to pay a penalty of 缴纳罚款
A $50 gift token can be exchanged in a shop for goods of that value.
gift token 礼券
Example：
When Peter retired, we collected money from his colleagues and gave him a $500 gift token.
