自2004年1月，美国联邦储备局已加息六次。
Since January 2004 the US Federal Reserve has raised its fed funds rate six times.
自动电话理财服务automated phonebanking services
自动柜员卡ATM card
低息贷款low-interest loans
免息贷款interest-free loans
利率可能快将见顶interest rates may be about to peak
利率协议interest rate agreement
利率协议结束interest rate deregulation
实时豁免十八个贫穷国家的四百亿美元欠债immediately cancels US$40 billion in debt owed by 18 nations
呆坏帐bad and doubtful debts
把目标价由$5调高至$5.20
raised the target price on the stock to $5.20 from $5
批准本港银行开办人民币个人业务giving approval for local banks to conduct personal renminbi business
投资银行investment bank
改善风险管理和公司管治improve risk management and corporate governance
取消楼宇按揭的所有现金回赠优惠scrapped all cash rebates on its mortgage loans
和丈夫有联名户口had a joint account with her husband
定息按揭计划fixed-rate mortgage plans
延迟加息delay interest-rate rises
服务月费account service fee
金管局的首要任务是捍卫本港的银行制度。
The primary responsibility of the Hong Kong Monetary Authority （HKMA） is to safeguard the banking system.
金融机构financial institutions
保留最新的月结单keep their most recent statements
保险箱safe box/safe deposit boxes
持牌银行licensed bank
美元储蓄户口US dollar savings account
英国汇丰控股前主席蒲伟士former HSBC chairman Sir William Purves
香港汇丰银行主席艾尔敦HSBC chairman David Eldon
香港银行公会Hong Kong Association of Banks
香港银行开始可以做人民币存款生意。
And Hong Kong banks have been permitted to start taking deposits in renminbi.
恒生副行政总裁潘仲贤deputy chief executive of Hang Seng Bank Joseph Poon
恒生银行副董事长兼行政总裁柯清辉vice-chairman and chief executive of Hang Seng Bank Raymond Or Ching-fai
恒生银行董事长邵铭高chairman of Hang Seng Bank Michael Smith
借款人要留意利率可能急升。
Borrowers were yesterday warned to be on their guard against a sudden surge in interest rates.
个人电话理财服务manned phonebanking services
恐防千年虫会令他们的存款化为乌有fearing a Y2K meltdown might wipe out their savings
除非银行体系结余持续下降，否则不太可能加息。
Banks would be unlikely to raise their rates unless there was a persistent decrease in the aggregate balance.
基本储蓄利率standard savings rate
将钱存入银行put the money in the bank
接受存款公司deposit-taking company
现有存户existing customers
这意味存款一万，每年只得一元利息。
This means that a customer with $10，000 in a savings account will earn just $1 in interest over a full year.
最低户口结余要求minimum balance requirement
最优惠利率best lending rate/prime rate
提升按揭利率raises mortgage rates
提供免息贷款offers interest-free loans
提款卡cash withdrawal card
港元存折储蓄户口Hong Kong Dollar Passbook Savings accounts
港元银行同业拆出息率Hong Kong Interbank Offer Rate （HIBOR）
港元储蓄存款分层利率架构a tiered interest rate structure for Hong Kong dollar savings deposits
港美息差进一步拉阔the growing differences between Hong Kong and United States interest rates
渣打将在星期二向新存户征收新收费，旧存户则会到四月一日才开始被征收新收费。
The increased fee will take effect from Tuesday for new customers and April 1 for existing customers.
渣打银行（香港）行政总裁苏利民Peter Sullivan， chief executive of Standard Chartered Bank （Hong Kong）
渣打银行存户如在任何一日的结余少于一万元，即要在该月支付一百元月费。
Standard Chartered customers who allow their account balances to fall below $10，000 on any single day in a month will pay a monthly charge of $100.
渣打银行董事长王冬胜Standard Chartered Bank director Peter Wong Tung-shun
无法偿还银行贷款had problems repaying its bank loans
发钞银行note-issuing banks
结束储蓄户口close savings accouts with the bank
结余得很少的客户clients with low balances
汇丰控股集团主席庞约翰HSBC chairman John Bond
汇丰控股集团行政总裁韦志诚HSBC chief executive Keith Whitson
汇丰银行主席郑海泉chairman of the Hongkong and Shanghai Banking Corporation Vincent Cheng Hoi-chuen
汇丰银行执行董事王冬胜executive director of Hongkong Bank Peter Wong Tung-shun
汇丰银行总经理柯清辉HSBC general manager Raymond Or Ching-fai
汇丰储蓄利率HSBC Savings Rate
爱储钱have a propensity to save
新存户new customers
新服务不用付低结余月费，但客户每次使用柜员服务提款和转帐要付费二十元。
The new account escapes a minimum balance charge， but customers must pay $20 for using teller services for cash withdrawals and transfers.
预期美息会继续上升expects rises in US interest rates to continue
对银行的准备工作有信心had faith in the bank's preparedness
综合结单consolidated statement
银行同业拆息interbank interest rate
银行向「低结余户」或「不动户」停止支付利息或将息率调低。
They reduced or abolished interest payments for low-deposit or dormant accounts.
银行保险库bank vault
银行华员会Chinese Bankers Club
银行营运守则the Code of Banking Practice
银行体系结余the aggregate balance
调高存款利率increase the deposit rate
调高定期存款息率raised interest rates for term deposits
调高借贷和储蓄利率raise interest rates for both loans and deposits
储蓄户口savings account
储蓄户口的利息上限the interest rate caps on savings accounts
储蓄利率savings deposit rates
联名户口joint savings account
避免向存户收费avoiding charging customers for having money in their accounts
转用小型银行shift their accounts to smaller banks
关闭大量分行close down a large number of branches
继续加息continue to increase interest rates
继续提供现金回赠优惠continues to offer a cash rebate
上海商业银行Shanghai Commercial Bank Ltd.
大生银行Tai Sang Bank， Ltd.
大新银行Dah Sing Bank， Ltd.
中南银行China & South Sea Bank Ltd.
中国银行Bank of China
永隆银行Wing Lung Bank Ltd.
东亚银行Bank of East Asia Ltd.
金城银行Kincheng Banking Corporation
南洋商业银行Nanyang Commercial Bank， Ltd.
星展银行the DBS Bank
美国大通银行Chase Manhattan Bank N.A.
美国运通银行American Express Bank Ltd.
香港上海汇丰银行Hongkong and Shanghai Banking Corp.
恒生银行Hang Seng Bank Ltd.
海外信托银行Overseas Trust Bank Ltd.
浙江第一银行Chekiang First Bank Ltd.
国华商业银行China State Bank Ltd.
第一太平银行First Pacific Bank Ltd.
港基国际银行International Bank of Asia Ltd.
渣打银行Standard Chartered Bank
华侨商业银行Hua Chiao Commercial Bank Ltd.
万国宝通银行Citibank， N.A.
道亨银行Dao Heng Bank Ltd.
嘉华银行Ka Wah Bank Ltd.
廖创兴银行Liu Chong Hing Bank Ltd.
广安银行Kwong On Bank Ltd.
广东省银行Kwangtung Provincial Bank
宝生银行Po Sang Bank Ltd.
盐业银行Yien Yieh Commercial Bank Ltd.
人民币Rmb， ￥
日圆yen， ￥
加拿大元dollar （Canada）， $
印尼盾rupiah， Rup
印度卢比rupee， R
法国法郎franc （France）， Ffr
南非兰特rand， Rd
南韩圜（音圆）
won， W
美元dollar （US）， $
英镑pound， ￡
泰国铢bath， Bt
马来西亚林吉特ringgit， RM
荷兰盾guilder， G
港元dollar （Hong Kong）， $
菲律宾披索peso， P
意大利里拉Iire， Li
新加坡元dollar （Singapore）， $
新台币dollar （Taiwan）， $
新西兰元dollar （New Zealand）， $
瑞士法郎franc （Switzerland）， Sfr
德国马克mark， DM
欧元euro
澳洲元dollar （Australia）， $
（货币）开始流通went into circulation
人民币升值appreciation of the yuan
人民币升值2.1%的消息news of the yuan's 2.1 per cent upward revaluation
人民币政策yuan policy
人民币离岸中心Offshore Centre for the RMB
不久前「标普」宣布把港元长期债务评级前景展望由稳定降至负面。
Recently， Standard & Poor's announced that it would downgrade its outlook for Hong Kong's long-term local currency credit rating from stable to negative.
中国的汇率改革自九四年开始，至今仍未有停止。
Beijing had never ceased reforming the exchange-rate regime since it was introduced in 1994.
中国会自行推动汇率改革。
China will push reform of the exchange rate on its own initiative.
日元持续贬值，人民币亦受压a weakening yen will put pressure on the renminbi to devaluate
日圆升至一百一十一日圆兑一美元，是近三年的高位。
The yen appreciated to 111 per dollar， its strongest level in nearly three years.
日圆兑美元汇价创三年新低，迫近一美元兑一百三十五日圆的重要心理关口。香港和中国政府促请日本政府正视日圆贬值问题。
Hong Kong and Beijing have urged Tokyo to tackle the yen's slide against the US dollar after the Japanese currency hit a three-year low and threatened to test the psychologically important barrier of 135.
日圆疲弱，区内其它货币面临贬值压力。
The weak yen continued to exert downward pressure on regional currencies.
日圆对美元的关系尤其重要。
The yen's relationship to the dollar is particularly important.
他表示不会废除联系汇率/不会让港元和美元脱勾。
He ruled out dropping the dollar peg.
去年打击港元狙击者fend off last year's speculative attack on the dollar
市场再传闻人民币将会升值。
Speculation Beijing may be about to adjust its currency peg heated up again.
市场预期人民币很快会升值。
The market expects the yuan is going to appreciate in the very near future.
再度有热钱流入博人民币升值，把港元汇价推高至16个月的新高。
A renewed inflow of hot money betting on a yuan revaluation pushed the Hong Kong dollar to a 16-month high.
扭转美元弱势reversing the weakening dollar trend
把人民币和一篮子货币挂勾pegging the yuan to a basket of currencies
改革汇率制度reform the exchange-rate system
改变汇价revalue its currency
更有弹性的汇率制度a more flexible exchange-rate mechanism
使人民币变成完全自由浮动的货币making the yuan a completely free-floating currency
取消联系汇率scrap the peg system
放任当地货币贬值allowing a devaluation of the local currency
表明人民币现时不会升值ruled out an immediate appreciation of the yuan
金管局在周四晚继续承接港元沽盘。
The monetary authority continued to buy Hong Kong dollars in offshore trading on Thursday.
美元贬值devaluation of the greenback
美元汇价US dollar exchange rates
美元汇价转强as the US dollar recovers
若然中国政府不肯在今年内变动人民币汇率，其出口将会被征收重关税impose hefty tariffs on Chinese exports if Beijing refuse to revalue this year
要求人民币立即升值calling for an immediate appreciation of the yuan
弱势日圆政策a weak-yen policy
被人为地压低了的人民币币值artificially low value of the yuan
货币改革currency reform
货币政策currency policies
汇率exchange rates
资金流走，金管局再度购入港元，以稳定港元汇价。
The Hong Kong Monetary Authority again bought Hong Kong dollars to stabilise the currency against an outflow of capital.
实行根据市场需求、有管理的、浮动的汇率制度establish a market-based， managed and floating exchange rate
让货币贬值let the value of its currency slip
白金Visa Visa Platinum Card
私人密码personal identification number （PIN）
所有礼品均不可兑换现金。
The gifts cannot be converted into cash.