Glosar de termeni bancari englez-roman

Glosar de termeni bancari englez-roman

MONEY SERVICES

INCLUDEPICTURE "http://www.euroticket.ro/imagini/li.gif" \* MERGEFORMATINET

advise = sfat, informatie; (aici) aviz;Airmail Transfer = transfer prin posta aeriana;application form = formular de cerere;at sight/at presentation = la vedere/la prezentare;available funds = fonduri disponibile;Bankers draft = polita bancherului;banking clerk = functionar bancar;banknotes = bancnote;bearer = purtator;bearer bonds = titluri la purtator;blank endorsement = andosare in alb;by air = pe calea aerului;by cable = telegrafic;by endorsement = prin andosare;by ordinary trasfer of debts = prin simplul transfer al creantelor;cash = numerar, bani lichizi;cashier = casier;certificate cheque = cec certificat;cheque = cec;cheque payable to bearer = cec la purtator;client = customer = client;coins = monede;collect (to) = a incasa;collection process = procesul de incasare;compulsory mentions = mentiuni obligatorii;cross = barare;crossed cheque = cec barat;drawee = tras;drawee bank = banca trasului, in acest caz banca platitoare;drawer = tragator;duties = indatoriri; sarcini;endorse (to) = a andosa;endorsement = andosare;endorser = persoana care efectueaza andosarea;exchange risk = risc valutar;expenses = cheltuieli;general cross = barare generala;give instructions (to)= a da instructiuni;holder = detinator;input messages = mesaje de intrare;interest charges = cheltuieli cu dobanda;interest incomes = venituri din dobanzi;International Money Order = mandat de plata internationala;International Payment Order = ordin de plata internationala;not to order = nu la ordin;notify and pay (to)= a notifica si a plati;order form = formular de ordin;output messages = mesaje de iesire;overseas bank = banca cu sediul in strainatate;owner = proprietar;passbook = carnet de cec;payee = beneficiary = beneficiarul unei plati;paying bank = banca platitorului;payment by cheque = plata prin cec;payment in cash = plata cu numerar sau in bani lichizi;postal orders = mandat postal;proceeds = venituri;remit funds aboard = a remite fonduri in strainatate;remittance by post = remitere prin posta;remittance telegraphically = remitere telegrafica;remitter = remitent;securities = titluri de valoare;simple remittance = remitere simpla;special cross = barare speciala;special endorsement = andosare speciala;specimen signatures = specimen de semnaturi;Standing order = ordine de plata permanente;Telegraphic transfer (TT)= transfer telegrafic;be valid (to) = a fi valabil;travellers cheque = cec de calatorie;

ELECTRONIC BANKING SERVICES

debit cards = carti de debit;Electronic banking services = servicii bancare electronice, adica serviciiefectuate prin calculator;electronic cash = numerar electronic;electronic cheque = cec electronic;electronic money = moneda electronica, bani electronici;electronic signature = semnatura electronica;fraud = frauda;network = retea;~ transmission = retea de transmisie;password = parola;PIN = Personal Identification Number = numar personal de identificare;POS = Point of Sale Terminal = locul vanzarii;record (to) = a inregistra;user = utilizator;telephone banking = banca la domiciliu.

OTHER ELECTRONIC BANKING SERVICES

Electronic Funds Transfer = EFT = Transfer Electronic de Fonduri;money transfer = transfer de bani;Automated Teller Machine = ATM = ghiseu automat de numerar;EFT-POS = Electronic Funds Transfer to the Selling Points Terminals= transferul electronic al fondurilor la locul vanzarii;credit cards = carti de credit;store cards = carduri de magazin;debit cards = carti de debit;retailer = detailist;magnetic strip = banda magnetica;cash dispensing = distribuitor de numerar;balance inquiry = solicitarea soldului contului;POS = Point of sale = punct de vanzare;keyboard = tastatura;Joint-stock banks = banci pe actiuniMoney market = piata monetara.

BANKER - CUSTOMER RELATIONSHIP

accountant = contabil;Act/charter/law = lege;adequate level of solvency = nivelul adecvat al solvabilitatii;application to open an account = cerere pentru a deschide un cont;banker/bank = banca;Banker-customer relationship = relatia dintre banca si client;banking procedures = proceduri bancare;building societies = societati de constructii;creditor = creditor;current savings deposit = depozit curent de economii;customer/client = client;deal (to) = (a face o) tranzactie (cu);debtor = debitor;deputy = (aici) delegat; adjunct;disbursement = plata, achitare;duties and rights = obligatiuni si drepturi;forgery = frauda;insurance company = societate de asigurari;legal person = persoana juridica;lend (to )= a imprumuta (pe);license/authorisation = licenta / autorizatie;licensed deposit taking institutions = institutii acreditate sa constituie/ primeasca depozite;mortgage = ipoteca;natural person = persoana fizica;overdrawn = fara acoperire;proceeds = venituri;recognised banks = banci acreditate;sealed = sigilat;sight interest = dobanda la vedere;solicitor = avocat;theft = furt;be entitled to (to) = a fi imputernicit (sa);be supplied with (to) = a fi alimentat cu;complete/conclude a contract (to) = a incheia un contract;finish/terminate/cancell a contract (to) = a rezilia un contract;mortgage (to) = a ipoteca;open an account with (to) = a deschide un cont;pass on (to) = a statua;vest somebody to do something (to) = a investi pe cineva sa faca ceva;Trustee Savings Bank = banci de incredere specializate in detinereaeconomiilor (un fel de CEC);

RISKS MANAGEMENT

credit institution = institutie de credit;risks management = administrarea riscurilor;financial risks = riscuri financiare;foreign exchange risk = risc valutar;liquidity risk = risc de lichiditate;interest rate risk = riscul ratei dobanzii;operational risk = risc operational;own funds = fonduri proprii;commitments = angajamente;solvency = solvabilitate;banking rating system and the early warning system = sistem deavertizare timpurie si de stabilire a rating-ului de tara;level of large exposures = nivelul expunerilor mari;minimum level of the capital = nivelul minim al capitalului;administrative procedures = proceduri administrative;internal control procedures = proceduri de control intern;classification of credits = clasificarea creditelor;large loans = imprumuturi mari;loans granted to the debtors in special relations with a bank = imprumuturi acordate debitorilor care se afla in relatii speciale cu banca;liquidity = lichiditate;debt service = serviciul datoriei;doubtful credit = credit indoielnic;interest rate risk = riscul ratei dobanzii;off balance sheet items = elemente in afara bilantului contabil;prudential measures = masuri de prudentialitate;credit risk = riscul de credit;watch credit = credit in observatie;doubtful credit = credit indoielnic;loss credit = credit de pierdere;shareholder = actionar;own capital = capital propriu;grant a credit (to) = a acorda un credit;financial-accounting department = departamentul financiar-contabil;assets = active;

BANKS AND LENDING

accountant = contabil;auction credit =credit de licitatie;borrowed funds = fonduri atrase (imprumutate);capability = ability = capacitate; abilitate;currency risk = riscul de schimb valutar;fixed interest rate loan = imprumut cu rata dobanzii fixa;floating interest rate loan = imprumut cu rata dobanzii flotanta;legal person = persoana juridica;lending = imprumut;lending facilities = facilitati legate de acordarea imprumutului;liabilities = pasive;liquidity risk = riscul de lichiditate;Lombard credit = credit lombard;loss = pierdere;market risk = riscul pietei;minimum capital = capital minim;operational risk = riscul operational.own capital = capital propriu;paid up capital = capital varsat;physical person = persoana fizica;preferential credit = credit preferential;purpose = destination = scop / destinatie;repayment = plata;solicitor = avocat; (amer. procuror);solvency ratio = rata solvabilitatii;special credit = credit special;standard credit = credit standard;structural credit = credit structural;substandard credit = credit substandard;supplementary capital = capital suplimentar;weight (to) = a pondera;variable interest rate loan = imprumut cu rata dobanzii variabila;watch credit = (aici) credit in observare

RATES OF EXCHAGE

accepted = acceptat;appreciation = apreciere;balance of payments = balanta de plati;branch = sucursala;capital account = cont de capital;capital foreign exchange operations = operatiuni valutare de cont decapital;capital transactions = tranzactii de capital;commodity exchange = bursa de marfuri;covering exchange rate = acoperirea cursului de schimb valutar;current account = cont curent;current foreign currency operations = operatiuni valutare curente sauoperatiuni valutare de cont curent;current transactions = tranzactii curente;deals = tranzactii;delay = intarziere;delivery = livrare, distribuire;demand = cerere;depreciation = depreciere;devaluation = devalorizare;direct quatation = cotatie directa;direct investment = investitie directa;due penalties = penalitati scadente;exchange control = foreign exchange control = control valutar;exchange office = exchange bureau = casa de schimb valutar;exchange rate = curs de schimb valutar;failure = esuare; esec;firm quotation = cotatie ferma;fixed exchange rate regime = regimul valutar cu un curs de schimb fix;foreign currency = foreign exchange = valuta;foreign exchange market = piata valutara;foreign exchange intervention = interventie valutara;foreign exchange restrictions = restrictii valutare;foreign exchange risk = risc valutar;foreign exchange transactions = tranzactii valutare;forward exchange rate = curs de schimb valutar la termen;forward operations = forward transactions = operatiuni la termen;headge = acoperire;hedging = tehnica de acoperire a riscului valutar;indirect quatation = cotatie indirecta;individuals = persoane fizice; indivizi;international debt = datorie externa;international reserves = rezerve internationale;international trade = comert international;legal framework = cadru legal;legal persons = persoane juridice;loss = pierdere;managed float regime (dirty float) = regim valutar controlat;moderate amounts = sume moderate, (aici) sume aferente cheltuielilorcurente de intretinere a membrilor familiei, care pot fi justificate ulterior cu documente.monetary unit = unitate monetara;non-residents = nerezidenti;offer = oferta;outright transactions = tranzactii complexe de vanzare-cumparare de valute;own norms = norme proprii;purchase order = ordin de cumparare;quotation = cotatie;reimbursement = rambursare;rejected = respins;residents = rezidenti;retail market = piata en-detail; piata cu amanuntul;revaluation = revaluare;settlement = (aici) decontare;share capital = capital social;spot exchange rate = curs de schimb valutar la vedere;spot operations = spot transactions = operatiuni la vedere;spread = marja; diferenta dintre cursul de schimb de vanzare si cumparare, sau dintre dobanda activa si pasiva a unei banci;sterilized foreign exchange intervention = interventie valutara sterilizata;stock exchange = bursa de valori;subsidiary = filiala;swap operations = incheierea concomitenta, pe piata valutara, a doua operatiuni legate intre ele, bazate pe aceeasi suma de bani: cumparare curenta si vanzare la termen, vanzare curenta si cumparare la termen sau vanzare si cumparare la termene diferite.traded = comercializat, tranzactionat;trade balance = balanta comerciala;unsterilized foreign exchange intervention = interventie valutara nesterilizata;up-to-date rate = rata actualizata;wholesale market = piata en-gros;working day = zi lucratoare;World Bank = Banca Mondiala;International Bank for Reconstruction and Development (IBRD) = Banca Internationala pentru Reconstructie si Dezvoltare (BIRD).

FINANCIAL DERIVATIVES

options = optiunea reprezinta contractul care acorda beneficiarului dreptul de a cumpara sau a vinde un instrument financiar sau o marfa la un pret specificat intr-o perioada determinata;option premium = prima pentru o optiune;call option = optiunea call este optiunea de cumparare;put option = optiunea put este optiunea de vanzare;European option = optiune europeana;American option = optiune americana;exotic options = optiuni exotice;interest rate swaps = swap pe rata dobanzii;currency swaps = swap valutarcurrency account = un cont bancar exprimat in orice valuta, alta decat moneda nationala;Eurocurrency = un depozit exprimat in orice valuta detinuta in afara tarii emitente;Forward contract = contract la termen;Hedging = asigurarea riscului valutar;foreign exchange risk = risc valutar;foreign exchange exposure = expunere valutara;sovereign risk = risc de suveranitate;hard currency = valuta forte;strong currency = valuta forte (puternica);weak currency = valuta slaba;foreign exchange control = control valutar;translation risk = risc de transformare;transaction risk = riscul operatiunii;overseas = abroad = in strainatate;derivatives = derivate; acestea sunt instrumente financiare care sunt in esenta un produs secundar al actiunilor, obligatiunilor etc.bond markets = pietele obligatiunilor;borrow (to) = a imprumuta;lend (to) = a da cu imprumut;lapse (to) = a decadea; a se scurge;gamble (to) = a risca; a pierde;exchange rate arbitrage = arbitraj de curs de schimb;invoice (to) = a facturaconsolidated balance sheet = bilant contabil consolidat;open outcry = strigare libera;initial margin = marja initiala;financial futures = operatiuni financiare la termen;clearing house = casa de compensare;settlement price = pretul de decontare;

INTERNATIONAL TRADE

abroad = in strainatate;advertising = reclama publicitara;advising bank = banca avizatoare;airway bill / air consignment bill = scrisoare de transport aerian;arrival = sosire;at sight = la vedere;batch = grupa, lot (de marfuri);bear all risks = suporta toate riscurile;berth = dana, chei;bill of collection = incasso documentar;bill of exchange = cambie;bill of lading = conosament;borrower = imprumutat/debitor;buyer = cumparator;by-products = produse derivate;Carriage Paid to = CPT = transport platit pana la...;Carriage = transport;carrier = caraus;certificat of origin = certificat de origine;Cost, Insurance and Freight = CIF = cost, asigurare si navlu;Carriage and Insurance Paid to = CIP = cost si asigurare platite pana la...clearance = achitare;collection = incasso;commercial documents = documente comerciale;commitment = angajament;consignee = destinatar;consular invoice = factura consulara;Cost and Freight.= CFR = cost si navlu;contracting parties = parti contractante;damaged = avariat;deferred = amanat;Delivered at Frontier = DAF = franco frontiera;Delivered Duty Paid= DDP = franco destinatia vamuit;Delivered Duty Unpaid= DDU = franco destinatie nevamuit;Delivered Ex Quay= DEQ = franco chei;Delivered ex Ship = DES = franco nava nedescarcata;departure = plecare;documents of title = documente de titlu;draft = proiect;ex works = franco fabrica;fee = taxa;financial documents = documente financiare;flight stamp = timbru par avion;flood = inundatie;foreign exchange risk = risc valutar;Free Alongside Ship = FAS = franco de-a lungul vasului;free carrier = FCA = franco transportator;Free on Board = FOB = franco la bord;freight = navlu;global amount = suma globala;handling = manipulare;harmless = fara pagube;haulage = transport prin carausie; taxa de transport;issuer = emitent;insurance certificate = certificat de asigurare;insurance documents = documente de asigurare;insurance policy = polita de asigurare;international sales contract = contract international de vanzare;invoice = factura;L/C = letter of credit = scrisoare de credit;documentery letter of credit = acreditiv documentar;leakage = pierdere/scurgere de cantitate;legalised/visaed invoice = factura legalizata;lender = imprumutator/creditor;letter of introduction = scrisoare de prezentare;lifting = ridicare;lighter = slep;loan contract = contract de imprumut;lorry-way bill = scrisoare de trasura pentru transportul rutier;main carriage unpaid = transportul principal neplatit;mark = marcare;movement certificate EUR-1 = certificat de miscare EUR-1;non delivery = nelivrare;notifying party = partea notificatoare;offloaded = in afara incarcaturii;on behalf of somebody = in numele cuiva;outstanding = neplatit, restant, important;packaging = ambalare;packing list = lista de ambalaj;Parcel Post Receipt = recipisa de coletarie;port of call = port de escala;preamble = preambul;pro forma invoice = factura proforma;Promissory Note = bilet la ordin;pursuant = conform;railway bill = rail consignment note = scrisoare de trasura pentrutransportul feroviar;raw materials = materii prime;rediscount = rescontare;rejection = respingere;right - hand corner = coltul din dreapta;riot = revolta;SAD = Single Administrative Document = document administrativ unic;sales contract = contract de vanzare;sample = mostra;ship = vas, nava;shipping documents = documente de transport;spoilage = alterare;strike = greva;supersede (to) = a inlocui;supplier = furnizor;term of delivery = termen de livrare;term of payment = termen de plata;TIR book = carnet TIR;be assessed (to) = a fi evaluat;be discounted (to) = a fi scontat;be encountered (to) = a fi lovit / ciocnit;be impended (to) = a fi iminent;be labelled (to) = a fi etichetat;be posted (to) = a afisa, a lipi;be tailored (to) = a fi confectionat / ajustat;bind-up (to) = a lega;check (to) = a verifica;fall due (to) = a fi scadent;fall under somebody heading (to) = a cadea sub jurisdictia cuiva;fill in (to) = a completa;forfeit (to) = a pierde prin confiscare; a pierde un drept;mix (to) = a amesteca;pump (to) = a pompa;rediscount (to) = a fi rescontat;stamp (to) = a timbra, a stampila;wire (to) = a telegrafia;trade mark = marca fabricii / marca de comert;truck = camion;trustworthy = demn de incredere;type of packaging = mod de ambalare;validity = valabilitate;VAT = tax on added value = TVA (taxa pe valoarea adaugata);wasting litigation = actiune in justitie in cazul unei pierderi;worthiness = credibil;written evidence = document scris;

METHODS OF PAYMENT OR SETTLEMENT

ability = capacitate; abilitateadvance payment = plata in avans;cash flow = flux monetar;clean collection = incasso curat;D/A (acceptance of documents) = acceptarea documentelor;D/P (against payment) = documente contra plata;dispatch = expediere;documentary collection/ bill of collection = incasso documentar;domestic trade = comert interior;drawee = tras;foreign trade = comert exterior;guarantee of payment = garantie de plata;liabilities = pasive, obligatii;open account = cont deschis;responsibilities = responsabilitati;security = (aici) garantie;statement of account = extras de cont;cancel the order (to) = a anula un ordin;grant a credit (to) = a acorda un credit;

DOCUMENTARY CREDIT/ LETTER OF CREDIT

accepting bank = banca acceptatoare;advising bank = banca avizatoare;applicant = (aici) ordonator;at sight = la vedere;certificate of analysis = certificat de analiza;confirming bank = banca confirmatoare;consignment = transport de marfa;country risk = risc de tara;deferred payment = plata amanata;documentary credit/ letter of credit = acreditiv documentar;expiry date = data de expirare;forward contract = contract la termen;indebtedness = stare de indatorare;inspection certificate = certificat de inspectie;International Chamber of Commerce = Camera Internationala de Comert;irrevocable credit = acreditiv irevocabil;issuing bank = banca emitenta;payment in advance = plata in avans;revocable credit = acreditiv revocabil;shipment = incarcatura;tenor = maturity = scadenta;trustworthiness = credibilitate;worthiness = credibilitate;assignment of the proceeds of a credit = cesiunea acreditivuluiSHORT-TERM FINANCE EXPORTS

short-term finance = finantare pe termen scurt;factoring = invoice discounting = colectarea datoriilor este o finantare pe termen scurt utilizata in comertul international si are la baza un contract incheiat intre o parte numita furnizor si o alta numita factor;factoring chain = lantul de factoring este o retea internationala a tuturor companiilor de factoring;principal = rata de capital;schedule of the repayment = scandentarea platii ratelor de capital si dobanda;minute = proces verbal;

MEDIUM- AND LONG-TERM FINANCE FOR EXPORT

supplier credit = credit furnizor;buyer credit = credit cumparator;ECGD = Export Credits Guarantee Department = Departamentul deGarantare a Creditelor de Export a fost infiintat in anul 1991 pentru a-i asigura pe exportatorii britanici contra unor riscuri care apar in comertul exterior.onus = raspundere, obligatie;overseas debt = datorie externa;default (to) = a nu-si indeplini obligatiile;lines of credit = linii de credit;insolvency = incapacitate de plata;instalments = plata in rate;lease (to) = a inchiria;financial lease = leasing financiar;lessee = persoana care inchiriaza; persoana care plateste o suma de bani pentru proprietatea inchiriata;lessor = persoana care acorda o inchiriere; persoana care ofera spre inchiriere;rental contract = contract de inchiriere; loom = razboi de tesut; gherghef;rent = chirie.

GUARANTEES OR BONDS

guarantee = bond = garantie;bank guarantee = garantie bancara;guarantor = garant;tender = bid bond = garantie pentru licitatie;performance bond = garantie de aducere la indeplinire;retention bond = garantie de retinere;demand guarantee = garantie la cerere;principal = ordonator;