từ vựng chuyên ngành tài chính ngân hàng, gồm các từ ngữ trong ngành tài chính ngân hàng.Unit 1: Money matters1.Vocabulary:Cash point = cash dispenser = ATM (Automated Teller Machine)Non – cash: không dùng tiền mặtProperty = real estateOverdraft: thấu chiBeneficiary: người hưởng thụBalance brought forward: số dư đầu kỳBalance carried forward: số dư cuối kỳStanding order: individual beneficiary, the amount of money is fixedDirect debit: use for business beneficiary, the amount of money is variableCredit: tín dụngCredit (n.): phát sinh có, khoản ghi cóCredit (v.): ghi cóDebit (n.): khoản ghi nợ, phát sinh nợDebit (v.): ghi nợTo creditdebit + 200 + to + accountTo creditdebit + account + with + 200Wage: on dailyweekly basis: tiền côngSalary: on monthly basis: tiền lươngBudget: estimation (sự ước lượng) of income and expenditureExpenditure = expenseStock = inventory: hàng tồn kho (stock ở đây không đếm được)Outlet: đầu ra sản phẩm. E.g: supermarket, market,…Output: sản lượngDeteriorate = depress = slump = recession: suy thoáiCrisis: khủng hoảngFile for bankruptcy: nộp hồ sơ xin phá sảnGo bankrupt = go into liquidation: phá sảnMake a profitlossTo pay interest = to service a debt
Trang 1Unit 1: Money matters
1 Vocabulary:
- Cash point = cash dispenser = ATM (Automated Teller Machine)
- Non – cash: không dùng tiền mặt
- Property = real estate
- Overdraft: thấu chi
- Beneficiary: người hưởng thụ
- Balance brought forward: số dư đầu kỳ
- Balance carried forward: số dư cuối kỳ
- Standing order: individual beneficiary, the amount of money is fixed
- Direct debit: use for business beneficiary, the amount of money is variable
- Credit: tín dụng
Credit (n.): phát sinh có, khoản ghi có
Credit (v.): ghi có
- Debit (n.): khoản ghi nợ, phát sinh nợ
Debit (v.): ghi nợ
- To credit/debit + $200 + to + account
To credit/debit + account + with + $200
- Wage: on daily/weekly basis: tiền công
- Salary: on monthly basis: tiền lương
- Budget: estimation (sự ước lượng) of income and expenditure
- Expenditure = expense
- Stock = inventory: hàng tồn kho (stock ở đây không đếm được)
- Outlet: đầu ra sản phẩm E.g: supermarket, market,…
- Output: sản lượng
- Deteriorate = depress = slump = recession: suy thoái
- Crisis: khủng hoảng
- File for bankruptcy: nộp hồ sơ xin phá sản
- Go bankrupt = go into liquidation: phá sản
- Make a profit/loss
- To pay interest = to service a debt
- Investment + in
- Expand business: mở rộng kinh doanh
- Mortgagor: người đi vay khoản vay mua BĐS
Mortgagee: người cho vay khoản vay mua BĐS
- Retail: bán lẻ
- To pay back = to repay
Repay: tiền trả lại (dùng cho đi vay) Return: tiền thối
Refund: hoàn lại tiền
- Signature specimen = specimen of signature: chữ ký mẫu
- ATM card = cash card = debit card
- At a counter (B.E) = at a window (A.E): quầy giao dịch
- Pay into = put into = deposit
- Slip: phiếu điền thông tin …
- Maturity = due date: đáo hạn
- CD (Certificate of Deposit): chứng chỉ tiền gửi
- Merger: sát nhập
- Acquisition: thâu tóm
= Takeover bids: thâu tóm, mua lại
Trang 2- Broker = intermediary: môi giới
- Underwrite: bảo lãnh
- Stand for = represent
- Brokerage: nhà môi giới
- IPO (initial public offering): phát hành cổ phiếu lần đầu
- Margin: biên độ
- To analyse
Analyst (n.)
Analysis (n.)
Analytical (a.)
- Debtor: con nợ > < creditor: chủ nợ
- Repossess: tịch biên phát mãi
- Collateral (A.E) = security (B.E): tài sản thế chấp
- Default on repayment: sai hẹn hoàn trả
- Repayment capacity: khả năng trả nợ
- Reject: từ chối
- Applicant: người nộp đơn
Merger 2 companies become 1 company
Takeover bid One company tries to buy another company
Pension You save this money for when you stop working
Current account You use money in this account every day
Deposit account You save money in this account over a long time
Building society A special bank for deposit accounts and mortgages
Issue shares Offer parts of a company to investors
Fight takeover bids Work against someone trying to buy a company
Raise capital Get money to run a business
Underwrite
securities
Arrange to sell shares to investors and to guarantee a minimum price
Give financial advice Help someone with money and investments
2 Grammar:
- Present simple
- Adverbs of frequency
- Present continuous
- A/An/The or No article
Unit 2: Products in retail banking
1 Vocabulary:
- Instalments/installments: trả góp
- Utilities: dịch vụ tiện ích
- 24/7: twenty four over seven = at any time = round – the – clock
- Set up + standing order
- Arrange + direct debit
- Online banking = internet banking
- Keep track = follow
- A nine to five job: công việc giờ hành chính
- Overdraft: thấu chi
- Stand in life = queue: xếp hàng
Direct deposit A way to receive your salary directly
Statement of account A document that shows the activity in your account
Trang 3Bank card A card you use to withdraw cash at the cash dispenser
Deposit Money put into an account
Convenient Easy
Access to funds The ability to use your money
Long – term Lasting for a long period of time
Overdraft A negative balance on the account
Expensive Costing a lot of money
Fees and charges Prices of bank services
Interest rates Rates for borrowing or saving
2 Grammar:
- Making suggestions and recommendations: can, need, would you like, suggest, recommend, need to
- Will be able to + V
- Present continuous, will, be going to
- Comperative and superlative
Unit 3: Presonal loans and credit
1 Vocabulary:
- Load money onto card: nạp tiền vào thẻ
- Creditworthy (a.) = believable: đáng tin cậy
Creditworthiness (n.)
- Credit bureau = credit agency: bộ phận lưu trữ thông tin tín dụng
- Buy on credit: buy now and pay later
- Outstanding balance: số tiền nợ còn phải trả
- Clear account = pay account in full: trả hết tiền trong tài khoản còn nợ
- Carry sth over: chuyển sang
- Free credit: vay tiền 0% lãi suất
- POS device: máy cà thẻ
- Good thru = good through = valid from … to …: có hiệu lực
- Line of credit = credit limit
- Provide credit = grant credit = give credit: cung cấp tín dụng
- Deposit in account = pay into account
- Candidate: ứng viên
- Authorise = permit, allow: uỷ quền
- Instalment: trả góp, trả từng lần
- Facility: dịch vụ
- Penalties: tiền phạt
Penalise (v.)
- Fill out (A.E) = fill in (B.E)
- Balance sheet = statement of financial position
- Profit and loss statement = income statement = statement of financial performance
- Pass on =reveal = disclose: tiết lộ
- Repayment capicity: khả năng trả nợ
- Principal: vốn vay
- Down payment (A.E) = deposit (B.E): tiền cọc
- Guarantor: người bảo lãnh
Credit When you buy something now and pay for it later
Interest What you pay to borrow money from a bank or other financial institution
Trang 4Minimum
payment The lowest amount that you can repay when you buy things on credit Carry a balance When you do not pay an amount you borrowed right away but later Repayment
terms How you have to pay money back to a bank
Credit rating A decision about how safe it is to lend money to a person or company
Lend money Give someone money for a fixed time
Debit Take money directly out of a bank account
Credit limit The maximum amount of money that you can spend with a single credit card
2 Grammar:
- Zero conditional
- First conditional
- Modals for obigation, necessity and lack of necessity (must, will have to, need to, don’t/doesn’t have to) and prohibition (mustn’t)
- Might/may
Unit 4: Islamic banking
1 Vocabulary:
- Govern: chỉ đạo vận hành
- Board: hội đồng
- Prohibit = ban: cấm đoán
- Prophet: nhà tiên tri
- Ethical: đạo đức
- Restrict: hạn chế
- Goodwill: thiện chí
- Demand deposit = sight deposit = call money: tiền gửi không kỳ hạn
- Run a risk: bị rủi ro (passive)
Take a risk: chấp nhận rủi ro (active)
- Venture capital = risky capital: vốn đầu tư mạo hiểm
- Schedule repayment: trả sớm trước hạn
- Partnership: hùng vốn
- Lease: cho thuê
- Word partnership:
o Keep the money safe
o Guarantee to refund
- Raise funds/capital/money: tăng vốn
- Pay in installments
- Partner: người hùng vốn
Partnership: hùng vốn
- Contribute: góp phần
- Buyer ßà middleman ßà seller
- Charge interest to debtor/borrower
Charge interest on loans
- Pay interest to depositer
Pay interest on deposits
Offer interest Lend money but not charge for the loan
Follow laws Do what the authorities tell you to do
Create one section Start one area in a company
Do business Buy or sell services
Trang 5Charge interest Ask for money when you lend it
Restrict trade Not allow a business activity
Earn money Receive money
Prohibit interest Say that to pay or receive interest is not allowed
Share a profit or a loss Divide money which was made or lost
Pay a penalty Give extra money to someone if you did not follow the laws
Purchase an asset Buy something valuable
Reduce a percentage Make a part of something smaller
Ask for a service
charge Charge a fee Lease an asset Give money to someone to use something
Guarantee a refund Promise to give money back to someone
2 Grammar:
- Past simple
- Used to
- Past continuous
Unit 5: The structure of a bank
1 Vocabulary:
- Be in charge of = be responsible for: có trách nhiệm với
Be liable for: chịu trách nhiệm (liên quan đến luật)
- Forex = FX = foreign exchange
- Wealthy: giàu có, thịnh vượng
- Existing = current: hiện tại
- Evaluate: đánh giá
- Modify = change = adjust: thay đổi
- Default on repayment: không thể trả được nợ
- Tailor – made product: sản phẩm đo ni đóng giày
- Recruit = hire: tuyển dụng
- Credit lines = lines of credit: mức tín dụng
- Audit: kiểm toán
- Liability (n): trách nhiệm nợ
Liabilities (n): tài sản nợ
- Lawsuit: luật
- Deal with: làm việc với
- Superior: cấp trên
Subordinates: cấp dưới
- Procedure: quy trình
- Assess: đánh giá
- Hierarchy (n): tôn ti trật tự, thứ bậc cao thấp
Hierarchical (adj)
- Department:
Board of Directors We are in charge of running the bank We look at all the information and plan long – term strategies The managers of
the other departments report to us
Private banking We deal with managing investment porfolios for wealthy customers Foreign exchange I deal with exchange rates and foreign currencies We help
customers when they want to change money
Trang 6Group risk
This department looks at individual customers’ financial documents They assees each of them according to the risks of the products and the economy
Human resources =
Personnel
We are responsible for recruiting and training staff as well as paying employees
Corporate banking I take care of tailor – made products for coporate clients
Group accounting I help my boss with the preparation of financial documents for bank Client risk
management
I deal with large companies I check on the collateral they have and I check their credit ratings to make sure we can lend them money
Retail banking Customers come here to make a bank transfer or ask a question about their account They can also open or close their account Loan modification We help corporate customers when they have financial
difficulties and take care of modifying loans and credit lines
Internal audit We check on the work in other departments We are in charge
of making sure everything is done correctly
Legal department We deal with legal problems and lawsuits
Training
department The people in this department try to find out what the other employees need to learn Then they set up training courses
2 Grammar:
- Prepostions: be in charge of, take care of, be involed in, check on, deal with, be responsible for
- Gerund or to V after V
- Future forms and past simple
- Present perfect
Unit 6: Finance in companies
1 Vocabulary:
- Advance: tiền tạm ứng, tiền cọc
- Change in demand: nhu cầu thay đổi
- Invoice: hoá đơn
- Order: đơn hàng, yêu cầu
To place an order: đặt 1 đơn hàng
- Put off payment: hoãn trả tiền
- Unforeseen cost: các chi phí phát sinh thêm
- Reserve: dự trữ
- The balance sheet = statement of financial position
- Current assets: tài sản lưu động
- Accounts receivable: khoản phải thu
- Invetory = stock: hàng tồn kho
- Non – current assets: tài sản không lưu động
- Tangible assets: tài sản hữu hình
- Buildings = premises: nhà xưởng
- Intangible assets: tài sản vô hình
- Patent: bằng sáng chế
- Retained earnings: lợi nhuận giữ lại
- Current liabilities: tài sản nợ ngắn hạn
- Non - current liabilities: tài sản nợ dài hạn
Trang 7- The income statement = profit and loss statement = statement of financial
performance
- Administrative costs = overhead: chi phí điều hành chung
- Owe: nợ
- Bond payables: trái phiếu
- Lease: cho thuê tài chính
- Depreciation (n) – depreciate (v): khấu hao (tài sản hữu hình)
- Amortiztion (n) – amortize (v): khấu hao (tài sàn vô hình)
- Turn into: biến thành
- Estimate (v) – estimation (n): dự tính
- Cost of goods sold: giá vốn hàng bán
- Sales: doanh số
- Operating revenue: doanh thu từ hoạt động thường xuyên
- Operating expense: chi phí hoạt động
- Operating profit: lợi nhuận từ hoạt động thường xuyên
- EBIT (earnings before interest and tax): lợi nhuận trước lãi và thuế
- Net profit after tax: lợi nhuận (ròng) sau thuế
- Subtract: trừ
- Net profit margin: biên độ lợi nhuận ròng
- Recover: phục hồi
- Generate – generation: tạo ra
- Bottom line
- Cash on hand: tiền mặt tại quỹ
- Bottom line: (finance) dòng cuối cùng, kết quả sau cùng trong các bảng báo cáo
= key points: điểm then chốt
- As at …: tính đến ngày nào đó
- Pay for loan repayment: trả lãi + gốc
Advance Money you pay someone to start a job; they receive the rest at the
end
Cash flow
problems
Not enough money coming in to cover expenses
Change in demand When people pr companies start needing more or less of a product or service Deposit This money is often paid to reserve something
Invoice Send someone a bill for work you have done
Lack of cash When money is not available
Meet expenses Pay your bills
Order A request to supply goods or services
Pay in full Completely pay off a debt
Put off payment Pay bills at a later date
Unforeseen costs Expenses you do not expect
Amortisation The gradual decrease in value of an intangible asset
EBIT The money earned before paying interest and tax
Net profit after tax Money the company earned
Cost of goods sold The amount of money spent to produce and sell a product
Sales The amount earned for selling goods minus discounts given to
customers
Depreciation The gradual decrease in value for tangible asset
2 Grammar:
Trang 8- Some/any/a lot of/may/much
- Passive
- Can/may/might/could
- Because/due to/therefore/resulting in
Unit 7: Corporate banking
1 Vocabulary:
- Cash on hand = cash in hand: tiền mặt tại quỹ
- To finance: tài trợ, cấp vốn
Refinance: đổi nợ
- Letter of credit: tín dụng thư
- Bank draft = BoE: bill of exchange: hối phiếu
- Credit line: hạn mức tín dụng
- Leasing agreement: hợp đồng thuê tài chính
- Recommend: đề nghị, giới thiệu
- Premises: cơ sở, mặt bằng (building, office, factory, plant, warehouse)
- Individually = seperately
- Expand: mở rộng
- Liquidity: tính thanh khoản
Liquidate: thanh lý
- Residual value: giá trị còn lại
- Work out: tính toán
- Agreed limit: hạn mức
- Conduct: quản lý
- In exchange for: đổi lại là
- Furnishing: đồ đạc
- Restructure: tái cấu trúc
- Loan modification: điều chỉnh nợ
- Settle: thanh toán
- Pay off: trả dứt
- Alternative financing: hình thức tài trợ khác
- Default: vỡ nợ
- Turnaround professional: chuyên gia giúp biến tình hình xấu thành tốt
- Obligation: trách nhiệm
- Legal proceeding: thủ tục pháp lý
- Reclassify: phân loại lại
- Court: toà án
- Renegotiate: đàm phán lại
Letter of credit
A written promise by an importer’s bank to pay the exporter’s bank on a particular date or time after the goods are sent by the importer
Bank draft A type of cheque where the payment is guaranteed because it
is issued by a bank
Credit line An arrangement by a bank to give a customer a specific
amount of unsecured credit, similar to an overdraft
Bank guarantee A promise by a bank to pay a loan if the original borrower
does not pay it back
Leasing agreement An arrangement to pay to use equipment, buildings,
Corporate bond A debt security issued by a company sold to investors
Trang 9Settle bills with
creditors
To pay people or companies you owe money to
Modify a loan To make changes to a loan agreement
Restructure a company To change business pratices
Recover a debt To be paid back when you don’t expect to be
Generate cash To raise funds
Liquidate assets To sell property for cash
Refinance a loan To replace one loan with another at a lower rate of interest
Manage debt To find a strategy to help an individual or company pay their
bills
2 Grammar:
- Second conditional
- Second conditional with modals
- Past simple and present perfect
Unit 8: Central banks and banking regulations
1 Vocabulary:
- Stable: ổn định, bình ổn
- Reserves: dự trữ
- Reserves requirements: dự trữ bắt buộc
- Monitor: theo dõi, giám sát
- Issue: phát hành
- Common currency: đồng tiền chung
- Implement: thực thi
- Foreign reserve: dự trữ ngoại hối
- Regulate: điều tiết
- Banknotes: giấy bạc ngân hàng
- Mint: đúc kim loại
- Statistics: con số thống kê
- Publish: xuất bản
- Oversee: giám sát
- Authorise: uỷ quyền
- Carry out: thực hiện
- Carry on: tiếp tục
- Duty: nhiệm vụ
- Contract: thu hẹp
- Take out a loan: vay tiền
- Non – essential goods: hàng hoá xa xỉ
- Capital goods: của cải dùng để tạo ra của cải khác
- Regulate: điều tiết
- Stimulate: kích thích
Stimulus: sự khuyến khích
- Investigate: điều tra
- Core capital: vốn tự có cơ bản
- Step in: can thiệp
- Default on something: mất khả năng trả nợ
- Regulator: nhà làm luật, cơ quan ra quy định
- Agenda: chương trình
- Chair: chủ toạ
- Insider trader: người mua bán có thông tin nội bộ
Trang 10- Credit card fraud: giả mạo thẻ tín dụng
- Level off: đứng yên
- Noticeable: đáng lưu tâm
- Slump: sự hạ giá nhanh
- Hit a low: chạm đáy