青年英语大赛选拔赛.doc
银行青年英语大赛选拔赛参考资料第一章零售银行业务英语.doc
银行青年英语大赛选拔赛参考资料第二章对公业务英语.doc
银行青年英语大赛选拔赛参考资料第三章国际业务英语.doc
银行青年英语大赛选拔赛参考资料第四章电子银行业务英语.doc
银行青年英语大赛选拔赛参考资料第五章 银行卡业务英语.doc
银行青年英语大赛选拔赛参考资料第六章 银行法律事务英语.doc
银行青年英语大赛选拔赛参考资料第七章 重大节庆银行英语.doc
第二章对公业务
Chapter Two Corporate Banking Services
导语
Introduction
对公业务是指针对除个人以外的所有客户（包括企业法人、事业法人和其他经济组织等）开通的金融业务。从目前国内国有商业银行业务组织构架来看，对公业务包括机构业务和公司业务。
机构业务是指按照现代市场营销理论，根据既定的发展战略，运用有效的营销策略和手段，将商业银行开发出的特定的金融产品和服务创造性地提供给机构客户，同时在互惠互利的基础上与各类机构客户进行信息交流与业务合作，并以此实现经营目标的活动。近年来，随着我国金融改革的不断深化和金融市场主体的日趋完善，商业银行机构客户的范围也在不断扩展，发展到目前已涵盖证券公司、基金管理公司、财务公司、信托公司、保险公司、期货公司、信用合作社、政府机构（机关团体）、军队武警等各类客户在内的机构客户群体。公司业务是指银行为公司客户提供包括存款、贷款、贸易融资、结算服务、代理收付、信息咨询、财务顾问、融资顾问等全方位多元化的金融服务。随着同业竞争日趋激烈，公司业务涵盖的内容越来越全面，公司业务创新的广度和深度都达到了前所未有的水平。概括的讲，可以分为资产业务领域的创新、负债业务领域的创新、中间业务领域的创新以及综合以上各条业务线，以全面的客户关系管理为基础的个性化金融服务方案的设计。
Corporate banking services are financial services for all the customers (including enterprise legal person, utility legal person and other economic organizations etc.) other than individual customers. For domestic state-owned commercial banks, such services consist of institutional services and corporate services.
In institutional services, banks proceed from the modern marketing theory, use effective marketing strategies and methods, creatively provide their institutional customers with specific financial products and services they developed, communicate and cooperate with various institutional customers on the basis of mutual benefit to realize their operating objectives. In recent years, with deepening financial reform and the development of financial market in China, the institutional customer base of commercial banks is growing. Up till now, it covers various institutional customer groups, including securities companies, fund management companies, finance companies, trust companies, insurance companies, futures companies, credit cooperatives, government agencies, organizations, military establishments and the army. Corporate services refer to financial service portfolio provided by the bank for corporate customers, which consist of deposits, loans, trade finance, settlement services, agency collection and payment service, information consultancy, financial management consultancy and financing consultancy, etc. With the increasingly fierce inter-bank competition, corporate services become more and more comprehensive, while the depth and width of corporate service innovation achieves an unprecedented level. In brief, such innovation can be in asset businesses, liabilities businesses and intermediary services as well as individualized financial service package on the basis of all-inclusive customer relationship management, which includes all the above-mentioned services.
第一节机构业务
Section One Institutional Services
一、短句
I. Phrases
1.什么是银财通业务？
银财通业务包括三种方式：财政直接支付、财政授权支付、非税收入收缴。
（1）财政直接支付。财政直接支付是指财政部门根据用款单位提出的用款申请，由财政部门签发支付指令，银行根据支付指令，通过国库单一账户体系将资金直接支付到收款人账户的支付业务。业务主要针对纳入国库集中支付改革的各级财政部门，适用于预算单位的工资支出、工程采购支出、物品和服务采购支出。财政直接支付通过庞大的经营网络、先进的支付系统和多元化的信息反馈平台为客户提供高质量的服务。
（2）财政授权支付。财政授权支付是由财政部门根据预算和用款计划，将每个月用款额度下达到预算单位零余额账户，预算单位在下达的用款额度内自行支付资金的业务。本业务主要针对纳入国库集中支付改革的各级预算单位，适用于未纳入财政直接支付的购买支出和零星支出。其特点和优势是能够提供额度自动分发和控制、自动调用系统资源、提供动态监控服务、自动生成各种支付信息的服务。
（3）非税收入收缴。非税收入收缴业务是指银行为各级财政部门、国家机关、事业单位和社会团体开设非税收入专户、收缴资金、汇划清算并反馈信息的业务。该业务适用于各级国家机关、事业单位和社会团体非税收入的收缴管理，包括：行政事业性收费、主管部门（含代行政府职能的行业性组织）集中的收入及其他非税收入。该业务拥有庞大的经营网络、先进的业务系统、多元化的信息反馈平台和缴款平台。
1. What is bank-finance link?
Bank-finance link service consists of three forms, namely direct fiscal payment, authorized fiscal payment and non-tax revenue collection.
(1) Direct Fiscal Payment. Direct Fiscal Payment refers to payment service where the financial authority issues payment instructions according to the fund application by eligible departments. According to this payment instruction, banks transfer the fund directly to the payee’s account through the treasury single account system. The service is mainly provided for financial departments at all levels included in the treasury centralized payment reform and is applicable for wage payment, project procurement, as well as goods and services procurement. This is high-quality services through large business network, advanced payment system and diversified information feedback platform.
(2) Authorized Fiscal Payment. Authorized Fiscal Payment is a service where financial authorities allocate the monthly fund quota to the zero-balance account of the budgeting units according to the budget and fund arrangement plan, whereas the latter make their payments within the allocated fund limit. The service mainly targets on the budgeting units at each level included in the treasury centralized payment reforms. It is applicable for the procurement payment and random expenditures not included in Direct Fiscal Payment scheme. Its advantages include automatic line distribution and control, automatic system resources retrieval, dynamic monitoring service and automatic generation of payment information.
(3) Non-tax revenue collection. Non-tax revenue collection refers to services, such as opening of non-tax revenue special account, fund collection, clearing, and information feedback for the financial authorities, state authorities, public utilities and non-government organizations at all levels. The services are also applicable for the collection and payment management for state authorities, public utilities and non-government organizations at each level, including administrative fee collection, centralized receipts by supervisory department (including sector organizations with government functions) and other non-tax revenues. It features large business network, advanced business system, diversified information feedback platform and convenient payment platform.
2.什么是银关通业务？它的特点是什么？
“银关通”是商业银行为进出口企业实现电子化报关和无纸化通关而专门开发的一项金融产品。它充分利用了现代信息技术和商业银行强大的科技优势，将海关业务系统、中国电子口岸网上支付系统和商业银行业务系统联为一体，共同为进出口企业客户提供安全高效的通关缴纳税费服务。产品适用于需交纳进出口关税的企事业法人客户。
银关通业务采用了大量的先进科技手段，几分钟之内就可以由系统自动完成全部支付过程。银关通依托商业银行全国集中的数据中心，统一处理交易数据，一点接入，覆盖全国，在任何地方只要与Internet联网，就可以缴纳关税。此业务操作简便、安全稳定，并且银行系统24小时不间断运行，随时能够进行网上缴纳关税。
2. What is bank-customs link, and its characteristics?
Bank-customs link is a financial product specifically developed by commercial banks to realize the electronic customs report and non-paper customs entry for foreign trade companies. It links the customs office system, e-port on-line payment system and commercial bank system together by modern information technology and advanced technologies of commercial banks, which jointly provide foreign trade companies with safe and high-efficiency services of customs entry and duty payment. The product is applicable to enterprises and public utilities that need to pay the import and export duty.
Adopting many advanced scientific and technologies, Bank-customs link takes only several minutes to fulfill the whole process of duty payment. Bank-customs link depends on the nation-wide centralized data center of commercial banks to process the transaction data universally. With internet connection, a customer can make duty payment anywhere by simply connecting with the system. The service is easy to operate and secure. With the round-the-clock operation of bank system, on-line duty payment can be available at any time.
3.什么是银税通业务？
银税通是指银行借助完善的服务网络、先进的银税服务平台、安全快捷的实时清算系统以及专业化的服务团队，为各级国家和地方税务机关提供的多元化税款收缴服务。该业务适用于各级国家税务局、地方税务局和各类纳税人。其方便快捷、安全可靠、一网多用特点和优势为纳税人提供优质服务。
3. What is bank-tax link?
Bank-tax link refers to a diversified service of tax payment and collection available for state and local taxation offices at all levels. It is based on sound service network, advanced bank-tax service platform, safe and fast real-time clearing system and professional service team. It is applicable for state and local taxation bureaus at each level as well as various kinds of taxpayers. It provides the taxpayers with high-quality, convenient, fast, safe, reliable and multi-purpose services.
4.银行卡服务（如中央预算单位公务卡）的定义是什么？
中央预算单位公务卡，是指经银行审核同意办理，中央预算单位工作人员持有的，主要用于日常公务支出和财务报销业务的信用卡。通过银行中央预算单位公务卡业务，可以实现收集反馈财政监控信息、强化单位财政财务管理、便利公务及个人消费支出的功能。中央预算单位财政授权支付业务中原使用现金结算的公用经费支出，包括差旅费、会议费、招待费和5万元以下的零星购买支出等，一般应当使用公务卡结算。
4. What is the definition of bank card (for example, business card for institutions under central budget)?
Business card for institutions under central budget is a credit card held by the staff of central budgetary units, approved by banks to be used for business expenditure and financial reimbursements. The service has the functions of collecting and getting feedback of financial monitoring information, strengthening the financial management as well as facilitating the service and individual consumption payments. Business expenditures previously settled with cash, including business trip allowances, meeting and entertainment allowances, and odd-lots procurement expenditures below 50,000 Yuan, are now settled with this card.
8.什么是第三方存管业务？它的主要作用是什么？
第三方存管业务是商业银行为配合我国证券市场客户交易结算资金存管制度的改革而推出的一项银证合作领域的创新业务，适用于创新试点类证券公司、规范类证券公司、风险类证券公司。
证券公司担任客户资金的会计记账主体，完整保存客户资料，将客户资金与自有资金分户后全额存放在存管银行，接受客户委托代其买卖证券并完成与登记结算公司和客户之间的清算交收，向存管银行提供客户资金明细账；存管银行担任客户资金的出纳和保管职责，存管银行通过总分核对和为客户提供存取款功能，有效防范证券公司挪用客户资金。
8. What is the third-party depository? What are its functions?
Third-party depository is an innovative business for bank-securities cooperation business, launched by commercial banks to facilitate the reform funds depository system in China’s securities market. It is applicable for the innovation pilot securities company, regulation securities company and risk securities companies.
Securities companies act as the main accounting record body for the customers’ funds, preserve the customers’ information data in a complete form, deposit the customers’ funds and their own funds separately in full amount in the depository bank, agent the customers with securities transactions by authorization, finish the settlement and transfer between the registered settlement companies and customers, and provide the depository bank with the customers’ fund subsidiaries. The depository bank carries the responsibilities of cashier and depository for the customers’ funds. Through checking scores and providing the customers with deposit and withdrawal functions, it prevents the securities companies from misappropriating the customers’ funds.
9.什么是代理业务？
代理业务是指商业银行接受客户委托，利用自身的经营职能和先进的电脑技术手段，为客户提供各种金融服务的有关业务。主要包括代理签发银行汇票、代理兑付银行汇票、代理汇兑业务、代理跨行银行承兑汇票查询查复、代理信托计划资金收付等业务。适用于具备相应业务资格的银行同业及金融机构客户。
9. What is agency service?
Agency service is a service whereby the commercial bank provides the customer with various kinds of financial services by using its own business functions and advanced computer technology according to the consignment of the customer. It includes for draft issuance, draft payment, remittance and exchange, inquiry and reply of inter-banker’s acceptance, fund collection and payment of trust plan, etc. The service is applicable to qualified banks and other financial institutions.
10.融资业务的定义是什么？
融资业务是商业银行为了满足银行同业之间资金融通开展的业务，主要包括同业拆借、债券交易、票据融通、信贷资产回购和法人账户透支等业务。其中同业拆借是指银行之间及银行与非银行金融机构之间为弥补临时性头寸不足而进行的短期资金拆入拆出行为。
10. What is the definition of the financing service?
Financing service is a service provided by commercial banks for inter-bank fund financing. It mainly includes inter-bank borrowing, bond trading, instrument financing, credit asset repurchase and corporate body account overdraft. Among them, inter-bank borrowing is a short-term fund borrowing and lending occurred between peer banks or between banks and non-bank financial institutions to make up for temporary shortages in position.
11.什么是担保业务？它主要包括哪几种业务种类？
担保业务是指银行应申请人的要求,以向相关受益人出具保函的形式对申请人的义务履行提供担保,并按银行规定的费率向申请人收取手续费和相关费用的业务品种。银行的担保业务主要包括融资类人民币担保和代理银行承兑汇票。其中融资类人民币担保是以符合法律规定的书面形式，向担保受益人承诺，当担保申请人未按与担保受益人签订的融资主合同偿还债务时，由银行代为履行债务或承担相应责任。
11. What is guarantee service? How many types of service does it include?
Guarantee service is a service whereby the bank provides the relevant beneficiary with guarantee for the applicant’s performance of obligations by issuing a letter of guarantee in favor of him at the request of the applicant, and the bank charges service fees and relevant fees on the applicant as per terms and conditions stipulated. It is mainly composed of RMB guarantee and agency banker’s acceptance. RMB guarantee is a guarantee in writing as stipulated by law whereby the bank promises to the beneficiary that it will discharge the debt or relevant obligations for the applicant in the case the latter fails to pay the debt as per the primary financing contract concluded between him and the beneficiary.
12.企业年金的定义和意义是什么？
企业年金，是指企业及其职工在依法参加基本养老保险的基础上，自愿建立的补充养老保险制度。是多层次养老保险体系的组成部分，由国家宏观指导、企业内部决策执行。企业年金的建立，不仅对企业员工老年幸福生活具有良好的保障作用，对于企业和政府而言，年金业务也具有多方面的好处。
12. What are the definition and significance of corporate annuity?
Corporate annuity is a kind of supplementary pension security plan voluntarily established by corporations and their employees on the basis of the fundamental pension plan. It is a part of the multi-level China Pension Security Scheme, which is macro-directed by the state government, and executed in accordance with the corporate internal decisions. The establishment of corporate annuity can secure and improve the retired life of corporate employees. In addition, it benefits the corporate and government.