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1、不景气 slump （衰退 recession）二板市场 the second board market中国创业板 China Growth Enterprise Market首次上市 IPOs (initial public offering)市场资本总额 market capitalization法人股 institutional shares内部股（非上市招股） private company shares牛市 bull market法律风险 legal risk风险管理 risk management坚持严格的贷款标准 maintain strong underwriting stan
2、dards六大风险 risks in 6 key areas (U.S. Federal Reserve criterion)信用风险 credit risk供给学派 supply-side economist第一产业（农业） agriculture (primary industry)第二产业（工业） manufacturing industry (secondary industry)第三产业（服务业） service industry (tertiary industry)主要经济指标 major economic indicators国内生产总值 GDP gross domestic
3、product （商品和劳务币值总和，不包括海外收入支出）国民生产总值 GNP gross national product（商品和劳务币值总和，包括海外收入支出）人均国内生产总值 GDP per capita宏观经济 macro economy互助基金 mutual fund扩大内需 expand domestic demand改善居民心理预期 inspire the general publics confidence in the future needs鼓励增加即期消费 encourage more immediate consumption长期国债 long-term treasur
4、y bonds支付国债利息 to service treasury bonds财政赤字和债务 deficits and the national debt按原口径计算 calculate on the base line按不变价格计算 calculate at constant price按可比价格计算 calculate at comparable price列入财政预算支出 listed in the fiscal budget结售汇制度 the system of exchange, settlement and sales经常项目顺差 favorable balance of curr
5、ent account, surplus of current account开办人民币业务 engage in Renminbi (RMB) business出口退税制度 the system of refunding taxes on exported goods保证金台帐制度 Deposit account system for processing trade分期付款 pay by installment保值储蓄 inflation-proof bank savings抵押贷款 collateralised loans住房抵押贷款 residential mortgage loan货币
6、主义者 monetarist计划经济 planned economy指令性计划 mandatory plan 技术密集型 technology intensive大规模生产 mass production经济林 cash tree跟踪审计 follow-up auditing流动性风险 liquidity risk操作风险 operational risk内部审计 internal audit抛售 bear sales配套政策 supporting policies中国人民银行（中央银行）The Peoples Bank of China（ central bank）四大国有商业银行 4 ma
7、jor state-owned commercial banks中国银行 Bank of china中国工商银行 Industrial and Commercial Bank of China（）and中国建设银行 Construction Bank of China中国农业银行 Agricultural Bank of China招商银行 China Merchants Bank疲软股票 soft stock配股 allotment of shares实际增长率 growth rate in real terms年均增长率 average growth rate per annum投资回报率
8、 rate of return on investment外贸进出口总额 total foreign trade value实际利用外资 incoming overseas capital (investment) in place消费价格指数 consumer price index (CPI)零售价格指数 retail price index （RPI）生活费用价格总指数 total price index of living cost生活费用 income available for living expenses扣除物价因素 in real terms / on inflation-a
9、djusted basis居民储蓄存款 residents bank savings deposit恩格尔系数（食品开支占总支出的比例） Engel coefficient基尼系数（衡量地区差别） Gini coefficient购买力平价法 purchasing power parity (PPP) （衡量使用不同货币的两个国家或地区的经济水平、收入水平的一种计算法，用相等的汇率比较两种货币各自的国内购买力）片面追求发展速度 excessive pursuit of growth泡沫经济 bubble economy 经济过热 overheating of economy通货膨胀 infla
10、tion实体经济 the real economy经济规律 laws of economics市场调节 market regulation优化资源配置 optimize allocation of resources规模经营优势 advantage of economies of scale劳动密集型 labor intensive市场风险 market risk 收紧银根 tighten up monetary policy适度从紧的财政政策 moderately tight fiscal policy信用紧缩 credit crunch加强国有商业银行内部资金调度 In state com
11、mercial banks, internal capital allocation should be improved.合理划分贷款审批权限 Limits of authority for examining and approving loans should be rationally defined.保证有市场、有效益、守信用企业的流动资金贷款 ensure floating capital loans for well-performing and trustworthy enterprises which turn out the right products for the r
12、ight markets启动民间投资 attract investment from the private sector适销对路的产品 the right products / readily marketable products国有企业 state-owned enterprises (SOEs)集体企业 collectively-owned (partnership) enterprises私营企业 private businesses民营企业 privately-run businesses中小企业 small-and-medium-sized enterprises三资企业（中外合
13、资、中外合作、外商独资） overseas-invested enterprises; foreign-invested enterprises (Chinese-overseas equity joint ventures, Chinese-overseas contractual joint ventures, wholly foreign- owned enterprises)存款保证金 guaranty money for deposits货币回笼 withdrawal of currency from circulation吸收游资 absorb idle fund经常性贷款 com
14、mercial lending经常性支出 operating expenses再贷款 re-lending; subloan支持国有大型企业和高新技术企业上市融资 support large state-owned enterprises and high and innovative technology companies in their efforts to seek financing by listing on the stock market改制上市 An enterprise is re-organized according to modern corporate syste
15、m so that it will get listed on the stock market.进一步规范和发展证券市场 further standardize and develop the securities market增加直接融资比重 increase the proportion of direct financing完善股票发行上市制度 improve the system for IPO and listing on stock markets中国证监会 China Securities Regulatory Commission (CSRC)深圳证券交易所市 Shenzhe
16、n Stock Exchange上海证券交易所 Shanghai Stock Exchange综合指数 composite index纳斯达克（高技术企业板） NASDAQ （National Association of Securities Dealers Automated Quotation主板市场 the main board通货紧缩 deflation中国现代化建设分三步走的战略 the three-step development strategy of Chinas modernization drive 第一步，到 1990 年国民生产总值比 1980 年翻一番 Step One: GDP of 1990 doubles that of 1980.第二步，到 2000 年人均国民生产总值比 1980 年翻两番，人民生活达到小康水平 Step Two: GDP of 2000 quadruples that of 1980; people live a fairly comfortable life.第三步，到
