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　　金融保險 BANKING AND INSURANCE BUSINESS

　　將原來的高度集中的計劃金融管理體制改為實行中央銀行體制， 以人民銀行為領導，專業銀行為主體，保險公司、信托投資公司、農村信用社、城市信用社、證券公司等多種金融機構并存和協作的，多層次、多功能的金融組織體系。 The original highly-concentrated planned banking managing system is transformed into the Central Bank system， that is ， establishing a cooperative， multi-levelled and multi-functioned banking organizational system which is bed by the People‘s Bank of China， operated with specialized banks as the main body and supported by insurance companies， trust investment companies， rural credit cooperatives， city credit cooperatives and stock companies.

　　信貸資金運行機制 operational mechanism of credit capitals

　　實貸實存 actual loans and deposits

　　融通資金 allocate funds

　　（銀行、商業、消費、國家、民間）信用 （banking， commercial， consuming， state and non-governmental）credits

　　商業票據 commercial bills

　　國家/企業債券 state/enterprises bonds

　　股票 stocks

　　大額定期儲蓄存單 large amount deposit receipts

　　全市初步形成了以同業資金拆借市場證券市場和外匯調劑市場為主內容的金融市場體系。 A banking market system majored by call markets， stock markets and foreign exchange regulating markets is primarily formed in the Municipality.

　　積極發揮利率的經濟杠桿作用。擴大了計息范圍劃分了利率種類和檔次實行區別利率同時推行浮動利率。 Giving full play to the economic lever function of interest rates. Spheres of interest-reckoning are expanded. differentiated interest rates are carried out b dividing interest rates into various kinds and levels. Floating interest rates are adopted.

　　允許外匯額度和現匯進行市場調節，價格隨行就市。 Market regulations of foreign exchange quotas and cash remittances are permitted， and prices are changeable according t changes of the market.

　　統計結算和信息傳遞 statistics， account-settling and information transferring

　　風險責任 risk responsibility

　　社會保險 social insurance

　　社會保障 social security

　　社會福利 social welfare service

　　失業保險 insurance for the unemployed

　　退休（養老）金 pensions

　　生活待遇 material amenities

　　便民服務 handy service for the public

　　社會救濟對象 people eligible for social relief

　　社會福利院 social welfare home

　　財稅融資 TAXATION AND FINANCING

　　財政 revenue and public financing

　　財政包干 local governments are responsible for their own finance； fiscal contract responsibility system

　　財稅改革 fiscal and tax reform

　　分稅制 system whereby tax revenues are shared by central and local authorities

　　利稅分流 system whereby state-owned enterprises pay tax plus a percentage of profits

　　累進稅率 progressive tax rate

　　稅基 tax base

　　稅種（營業稅、所得稅、增值稅、消費稅、流轉稅、關稅） category of tax（business tax， value added tax 〖VAT〗，consumption tax， turnover tax， tariff）

　　貨幣投放 money supply

　　融資（項目貸款、債券股票融資、集資、游資、經常性貸款、貸款利率、贈款、擔保人） financing（project financing， financing in the form of bonds and stocks， fund raising， idle funds， commercial lending， lending rate， grants， guarantor）

　　信貸額度 line of credit

　　買方信貸/賣方信貸 buyer credits/supplier credits

　　償還期限 repayment terms

　　履約保證金 performance guarantee

　　差額墊支擔保 provide shortfall payment guarantee

　　優惠貸款 soft loan

　　混合信貸 mixed credits

　　寬限期 grace period

　　回流貸款 recycling loan

　　還本付息 repay principle and pay interest on loans

　　回收快 gain quick return

　　回報率 rate or return （ROR）

　　盈利能力 profitability

　　規模效益 an economy of scale

　　信貸規模管理（存款準備金率、中央銀行貸款利率、公開市場業務） control over scale of bank credit （reserve ratio on deposits， central bank‘s lending rates， open market operations）

　　最初設立該機構是為了執行反托拉斯法。制訂該項法律的目的在于防止壟斷和維護競爭。 The agency was originally established to enforce antitrust laws. These laws are designed to prevent monopoly and maintain competition.

　　建立保險金制度和物品儲備制度以便平衡供求關系。 The system of risk-proof fund and material reserve are designed to balance the supply and demand.

　　經過15年的努力，中國已經初步完成了價格改革，截止到1992年底，靠市場調節價格的商品已占93%. Following 15 years of effort， China has initially completed prices reform. By the end of 1992， commodities subject to market regulation have accounted for 93%.

　　進一步擴大市場機制的積極作用，以抵消物價上漲對人民生活水平帶來的消極影響。 to further expand the positive role of market mechanism in order to offset the adverse influences of price hikes on the living standard of the people.

　　采取靈活措施 exercise flexible measures

　　政府頒布詳盡措施打擊欺騙性價格和暴利，相關的執行細則將于4月1日生效。新規定將起到限制與保護的雙重作用。 The government has enacted sweeping moves/measures against gouging price and staggering/exorbitant/excessive profits， and the related detailed implementation rules will go into effect on 1st of April. The new regulations will play a dual role of restriction and protection.

　　價格波動再次警告我們不要對糧食價格掉以輕心。 Price fluctuation once again warned us not to treat the grain price lightly.