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.

　　附属卡additional credit card

　　附属卡的签帐the transaction made on this additional card

　　附属卡持卡人additional cardholder

　　附属卡持卡人须在发卡后首月内签账消费最少一次（包括现金透支），方可豁免首年年费。

　　To be eligible for the first year fee waiver， the additional cardholder must make at least one transaction （including cash advance） within the first month of opening the card account.

　　信用卡客户服务热线Credit Cards Customer Service Hotline

　　信用卡号码credit card number

　　持卡人合约Credit Card Cardholder Agreement

　　基本卡持卡人primary cardholder

　　发卡后四星期内within four weeks after card issuance

　　（保险公司付的）保险金/赔偿费insurance/sum insured/insured amount/benefit； When her husband died， she received $500，000 in insurance./With the insurance I got on my wrecked car， I bought a boat.

　　人身意外保险personal accident insurance

　　人寿保险life insurance

　　分红保单with-profits policy

　　火险fire insurance

　　失实陈述misrepresentation

　　在保单生效一年内，不论在神志清醒或不清醒的情况下自杀身亡，将不获身故赔偿。

　　Life Insurance Benefit is not payable if the insured person commits suicide within the first policy year， whether sane or insane.

　　如受保人于保单生效日前已染上后天免疫能力缺乏症（爱滋病）将不会获得赔偿。

　　We shall not pay any benefits for sickness if the covered person was infected with any Human Immunodeficiency Virus （HIV） prior to the policy effective date.

　　考虑调高保费百分之四百considering 400 per cent rises in premiums

　　完全残废total disability

　　宏利保险Manulife

　　投保insure （vt）； To insure is to buy insurance to protect yourself against something bad happening to you， your family， your possessions etc./The painting is insured for $1 million./I would advise you to insure the painting for at least $2，000，000./The car is insured against fire and theft./Luckily he had insured himself against long-term illness./Have you insured the contents of your home？

　　投保人proposer

　　投保人、受保人the insured/the covered person

　　汽车保险automobile insurance/motor insurance

　　受益人beneficiary

　　承保cover （vt）； We confirmed that we hold your house covered against fire risks for $800，000./Are you fully covered for fire and theft？/ The policy will cover any medical expenses that you incur while you are abroad.

　　承保范围coverage （AmE）/cover （BrE） （n）； If an insurance agreement covers someone or something， it states that money will be given to the person if they are injured， if something is damaged etc.Coverage is the amount of protection given to you by an insurance agreement. Coverage is spelled cover in British English./Make sure your policy will give you adequate coverage in case of a break-in./The policy gives coverage against storm damage but not against frost./We must increase the amount of insurance coverage to include our new machinery.

　　保单insurance policy

　　保单周年日policy anniversary date

　　保费insurance/insurance premium （u）； Insurance on my house is very high./to pay insurance on your house

　　保险insurance （u）； Insurance is an arrangement with a company in which you pay them money each year and they pay the costs if anything bad happens to you， such as an illness or an accident./Do you have insurance on your household contents？/We can probably claim for the damage on the insurance.

　　保险人、保险商（例如保险公司）

　　insurer

　　保险公司insurance company

　　保险经纪insurance agent

　　保险凭证insurance certificate

　　后遗伤残residual disability

　　盈科保险Pacific Century Insurance

　　美国友邦保险American International Assurance

　　英国保诚保险Prudential

　　香港人寿保险从业员协会The Life Underwriters Association of Hong Kong Limited

　　香港保险师公会the Society of Certified Insurance Practitioners

　　香港保险业联会Hong Kong Federation of Insurers

　　香港意外保险公会Accident Insurance Association of Hong Kong

　　海上保险、海运保险、水险marine insurance

　　起保日commencement date of the policy

　　国卫保险AXA

　　从保险相关行业聘请专才hire some highly qualified specialists in insurance-related disciplines

　　接受投保insure somebody/something （vt）； Many companies won't insure young drivers./The company can refuse to insure a property that does not have window locks.

　　盗窃保险burglary insurance/theft insurance

　　寿险公司life insurance company