Glossary Of English-Chinese Financial Terms
CONS UMER FINANCIAL P ROTECTION BUREAU FEBRUARY 2019Glossary of English-ChineseFinancial Terms
Glossary of English-ChineseFinancial Terms: IntroductionListening and serving consumers is central to the Bureau’s mission of ensuring that allconsumers have access to transparent consumer financial products and services. Since itsinception, the Bureau has provided consumers with numerous ways to make their voices heard.Consumers nationwide have engaged with the Bureau through public field hearings, listeningevents, roundtables, town halls, the Bureau's Web site (consumerfinance.gov), and the Bureau'sConsumer Response function. The Bureau has also sought input from a range of financialeducation stakeholders about challenges consumers face, effective tools in overcoming thosechallenges, and ways the Bureau can improve the financial decision-making process ofconsumers by helping them better navigate the marketplace of financial products and services.This engagement strengthens the Bureau's understanding of current issues in the consumerfinancial marketplace and informs its work.The Bureau understands that this engagement is strengthened by efforts to include limitedEnglish proficient persons (individuals who do not speak English as their primary language andwho have a limited ability to speak, write, or understand English). According to a 2010 CensusReport, there are over 24 million people in the United States who do not speak English “verywell.” This includes people who classify themselves as speaking English “not well” and peoplewho do not speak English at all. Studies by federal agencies and other stakeholders havehighlighted that receipt of materials in consumers’ native languages is essential to increasingthese consumers’ knowledge about financial products and services.This glossary of common financial terms was created and is used by the Bureau for translatingconsumer education materials from English to Chinese. The Bureau is publically sharing it in aneffort to further the accessibility of financial information to limited English proficienc t persons.It is the vision of the CFPB that other stakeholders seeking to financially educate or servelimited English proficient consumers may use the glossary of terms as a resource. The glossaryof terms is not mandated, nor is it guidance or a requirement for any stakeholder.
The CFPB offers a number of other resources for the limited English proficient consumer,including: Publications in multiple languages at https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php CFPB en Español, consumerfinance.gov/es/ Limited English proficient persons can submit complaints to the CFPB in more than 180languages via telephone at 855-411-2372 CFPB resources for financial educators at consumerfinance.gov/adult-financialeducationThe CFPB is a 21st century agency that helps consumer finance markets work by making rulesmore effective, by consistently and fairly enforcing those rules, and by empowering consumersto take more control over their economic lives. To learn more and access additional resources,visit consumerfinance.gov.1CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-CHINESE FINANCIAL TERMS
GlossaryENGLISHTRADITIONAL CHINESENumeric1-4 family rider1-4 家庭附加條款401(k)401(k) 計劃529 plan529 ��棄Abatement減輕Ability to pay支付能力Ability to repay償付能力Abrogate廢除Absolute title絕對產權Abstract update摘要更新Abusive practice違規/虐待行為Academic eleration clause提前償付條款Acceleration crued應計、累計ACH (Automated Clearing House) ment確認Acknowledgement of receipt確認收據Acknowledgement, certificate CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-CHINESE FINANCIAL TERMS
3ENGLISHTRADITIONAL CHINESEAct (as in: Dodd-Frank ）Act of God不可抗自然力、自然災害Action plan行動計劃Active military duty現役Actual cash tional principal 衍生Addressee收件人Adjustable interest rate (air) table可調利率（英文簡稱為 AIR）表Adjustable payment (ap) table可調付款（英文簡稱為 AP）表Adjustable rate可調利率Adjustable rate mortgage (arm)可調利率抵押貸款（英文簡稱為 ARM）Adjustable rate note可調利率票據Adjustable rate ��算人Adjustment date調整日期Adjustment interval, adjustment period調整間隔、調整期Administration for Community Living (ACL)美國社區生活管理局（英文簡稱為 ACL）Administration on Aging (AOA)老年人管理局（英文簡稱為 AOA）Administrative law judge行政訴訟法官Administrative orders行政命令Administrative rules行政規則Adult Protective Services (APS)成人保護服務署（英文簡稱為 APS）Advance directives預先授權文件Adverse action不利行動Advocacy 書Affinity fraud殺熟詐騙Affirmative steps平权措施CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-CHINESE FINANCIAL TERMS
4ENGLISHTRADITIONAL CHINESEAfford負擔得起Affordability analysis負擔能力分析Affordability 析表Affordable負擔得起的Affordable housing保障性住房、低收入住宅Age Discrimination Act of 1975《1975 �構Agent代理人Agreement協議Agreement of sale銷售協議Aid and Attendance (A&A)協助和照顧（英文簡稱為 A&A）Alien authorized to llocate劃撥、劃分Allowable debt payments允許的債務償還額Alternate phone ��國的American Bar Association Commission on Law 會American dream (of s)美國人、美洲人Americans with Disabilities Act (ADA)《美國殘障人法案》（英文簡稱為 ADA）Amortization分期償還Amortization mount數額、金額CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-CHINESE FINANCIAL TERMS
5ENGLISHTRADITIONAL CHINESEAmount financed融資額Annual fees年費Annual Percentage Rate (APR)年利率（英文簡稱為 ion law反歧視法Anti-discrimination provision反歧視條款Appeal上訴Appellate section上訴分部Applicable �Application申請書、申請表Application fee申請費Apply申請、提出申請Apply (as in: this benefit applies to 利適用於全職僱員）Apply (as in: to apply for a job or for a license, 證等）Appraisal價值評估Appraisal contingency價值評估應急條款Appraisal enances附屬物、從屬權利APR (Annual Percentage 、地區Area Agency on Aging (AAA)區域老年人機構（英文簡稱為 AAA）Area Median Income (AMI)區域中位數收入（英文簡稱為 AMI）CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-CHINESE FINANCIAL TERMS
6ENGLISHTRADITIONAL CHINESEArm’s length transaction公平交易Arrears, arrearage(s)欠款Arrest warrant逮捕證、拘捕狀Asbestos石棉Asking price開價、叫價Assent to decree同意判決Assert (a right)宣稱、斷言、維護（權利）Assessed value估定價值Assessing the value of the nt轉讓、分配、委派Assignment of ��者Assisted living輔助生活Assisted living facility輔助生活設施Association for Conflict ��Assumable �擔Assumption agreement承擔抵押貸款協議Assumption �機）Attachment, attachment of assets扣押；扣押資產Attain ttorney-in-fact獲授權代理人CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-CHINESE FINANCIAL TERMS
ENGLISHTRADITIONAL d third party獲授權第三方Auto (or vehicle) loan汽車貸款Auto insurance車輛保險Automated agent自動代理人Automated agent (customer service)自動代理（客戶服務）Automated Teller Machine (ATM) transactions自動提款機（英文簡稱為 ATM）交易Automated matic bill pay system自動支付系統Automatic mortgage �Average平均Average payment平均付款Average price平均價格Award letter(s)判定授與通知書Award of damages損害賠償金Awareness意識B7Back pay補發薪資判決Back-end �Background �存Balance calculation method餘額計算方法Balance inquiry結存查詢Balance inquiry fee結存查詢費Balance sheet資產負債表Balance transfer fee餘額結轉費Balloon loan大額尾付貸款Balloon mortgage大額尾付抵押貸款CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-CHINESE FINANCIAL TERMS
8ENGLISHTRADITIONAL CHINESEBalloon payment最後一筆大額尾付償付款Balloon rider大額尾付附加條款Bank銀行Bank account銀行賬戶Bank accounts and services銀行賬戶與服務Bank fees銀行收費、銀行費用Bank uptcy破產Bankruptcy �受時效限制的Base income基本收入Basis CFP (Bureau of Consumer Financial Protection)BCFP（消費者金融保護局）BCFP Divisions and 部門Be discriminated against受到歧視Before-tax income稅前收入Beneficial l enefits card福利卡Benefits office福利辦公室、福利處Bilingual program coordinator雙語計劃協調員Bill賬單Bill of sale抵押契據Bill payment fee賬單支付費Billing cycle開票週期、結算週期Biweekly mortgage雙週抵押貸款付款Biweekly payment雙週付款Biweekly payment rider雙週付款附加條款CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-CHINESE FINANCIAL TERMS
9ENGLISHTRADITIONAL CHINESEBlanket 產作抵押的贷款Blended rate混合利率Board rent膳宿租金Boarder寄膳宿者Boarder income寄膳宿者收入Bona �Borrow借用、借貸Borrower貸款人Borrower evaluation notice貸款人評估通知Borrower relocation assistance貸款人搬遷援助Borrower response package貸款人回應文件Borrower solicitation letter要求貸款人付款通知Borrower solicitation package要求貸款人付款文件Borrower's promise to pay貸款人承諾付款Borrowing power借款能力、舉債能力Bounced check壞票、退票Breach letter違反通知、違約通知Bridge loan過橋貸款Broker account經紀人賬戶Broker(s)經紀人Broker’s price opinion (BPO)經紀人的價格意見（英文簡稱為 BPO）Brokerage account經紀人賬戶Budget預算Building code建筑規範、建筑條例Building code regulations建筑法規Building inspection services建筑物檢查服務Bureau of Consumer Financial Protection (BCFP)消費者金融保護局（英文簡稱為 BCFP）CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-CHINESE FINANCIAL TERMS
ENGLISHTRADITIONAL CHINESEBusiness days營業日、交易日、辦公日Business deal交易Business Buyer's agent買方經紀人Buying power購買力By certified aws公司/組織內部管理章程C10Campaign sign競選標誌Cancellation fee取消費Cancellation �限Capacity to pay your pital ��化Capitalization of 化為資本Caps (interest)上限（利率）Caps (payment)上限（付款）Card holder agreement持卡人協議Card provider信用卡公司Case案件、案例Case number案件號碼Cash現金Cash advance fee取現費Cash contribution現金捐助Cash flow現金流轉、現金流量CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-CHINESE FINANCIAL TERMS
11ENGLISHTRADITIONAL CHINESECash reload現金充值Cash reload fee現金重新充值費Cash reserve現金儲備Cash to close現金過戶Cash; cash on hand; cash t refinance可提現重新貸款/再融資CD (Certificate of l小密室、單人牢房Certificate of completion建筑完工證書Certificate of Deposit (CD)定期存款（英文簡稱為 CD）Certificate of eligibility資格證書Certificate of occupancy規划建筑合格證Certificate of reasonable value (CRV)合理價值證書Certificate of veteran status退伍軍人身份證書Chain of title產權系列情況記錄Change date更改日期Change frequency更改頻率Change of circumstance情況變化Change orders變更通知單Charge費用、收費Charge form費用表Charge off銷賬Charges費用Charging party收費方Charity appeals慈善訴求Chattel動產Check支票Check register支票登記簿Checkbook支票本CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-CHINESE FINANCIAL TERMS
12ENGLISHTRADITIONAL CHINESEChecking account支票賬戶Child support子女撫養費CHIML (Community Home Improvement n公民City taxes城市稅Civil penalty民事處罰Civil Rights Act of 1964《1964 年民權法案》Civil Rights Division民權司Civil Rights Division language access plan民權司語言服务計劃Civil �權人Class-action lawsuit團體訴訟案Clause (in a contract)條款（合約）Clear title完全所有權、完全產權Closed 戶、完成貸款和過戶手續Closing agent過戶經紀人Closing company過戶公司Closing cost assistance program過戶費資助計劃Closing Closing date過戶日期、截止日期Closing disclosure最終過戶條款文件Closing statement過戶費清單Cloud on title產權疑點、產權缺陷CLTML (Community Land Trust Mortgage Loan)CLTML（社區土地信託抵押貸款）CMA (Comparative Market Analysis)CMA（對比市場分析）CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-CHINESE FINANCIAL TERMS
13ENGLISHTRADITIONAL �貸款人Code of �制、強迫COFI (Cost of Funds Index)COFI（資金成本指數）Cognitive 品Collection追債、收賬College savings accounts大學生儲蓄賬戶Combined loan-to-value綜合借貸比率Commercial bank商業銀行Commercial rcial �Commit �款項Commitment letter貸款說明書Common areas公用場地、公共區域Common law普通法、不成文法Community association社區協會Community association dues社區協會會費Community group社區團體Community Home Improvement Mortgage 簡稱為 CHIML）Community Land Trust Mortgage Loan ��為 CLTML）Community outreach社區宣傳、社區外展Community property社區財產Community Reinvestment Act of 1977 (CRA)《1977 年社區再投資法案》（英文簡稱為 CRA ）Company公司CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-CHINESE FINANCIAL TERMS
14ENGLISHTRADITIONAL CHINESECompany response (to a e Market Analysis (CMA)比較市場分析（英文簡稱為 人Complaint投訴Complete borrower response package填寫貸款人回應文件Complete loss mitigation er and internet inium共管公寓Condominium fee共管公寓費Condominium owners’ association共管公寓業主協會Condominium project共管公寓專案Condominium rider共管公寓附加條款Confirmation code確認代碼Confirmed successor in interest確認的權益繼受人Conformed copy附註釋的副本Conforming 抵押貸款Consent �約Conservators保護人、監護人Consortium of districts地區財團Construction loan建筑貸款Constructive discharge推定解僱Consumer消費者CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-CHINESE FINANCIAL TERMS
15ENGLISHTRADITIONAL CHINESEConsumer “Tell Your Story” ��章Consumer behavior消費行為Consumer complaint database消費者投訴數據庫Consumer credit bureau消費者徵信資料所Consumer credit reporting company消費者徵信報告公司Consumer debt消費債務Consumer financial products and services消費者金融產品與服務Consumer financial service消費者金融服務Consumer Leasing Act of 1976《1976 年消費者租賃法》Consumer lender消費者貸款機構Consumer loan消費者貸款Consumer �事件、應急項目Contingency clause of sale銷售意外條款Continuation sheet展期表Continued 人、承包商Conventional mortgage onversion兌換、變換、轉換Conversion tible adjustable rate ing off period爭議緩和期、試用期Cooling system冷卻系統Co-op �Cooperative (co-op)住房合作社（英文簡稱為 co-op）CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-CHINESE FINANCIAL TERMS
16ENGLISHTRADITIONAL CHINESECooperative (co-op) maintenance fee住房合作社（英文簡稱為 co-op）維修管理費Cooperative (co-op) project住房合作社（英文簡稱為 co-op）專案Cooperative share合作股本股份Cooperative share ��人Copy of signed offer st of funds index (COFI)資金成本指數（英文簡稱為 COFI）Costs成本、費用Counseling, guidance諮詢/指導Counteroffer還價County taxes縣稅Court法院、法庭Court case訴訟案件、法院判例Court enants and �效範圍Coverdell education savings accountsCoverdell 教育儲蓄賬戶Credit信用Credit analysis信用分析Credit card信用卡Credit counseling信用諮詢Credit history信用記錄Credit insurance信用保險Credit life insurance信用人壽保險Credit rating信用評估、信用評級Credit record信用記錄、徵信記錄Credit report信用報告、徵信報告Credit report ��CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-CHINESE FINANCIAL TERMS
ENGLISHTRADITIONAL CHINESECredit report it reporting company信用報告公司Credit score信用等級分數、徵信分數Credit 、信貸價值Criminal justice刑事司法、刑事審判Criminal section刑事司（民權分部/英文簡稱為 CRT）CRV (Certificate of Reasonable rent index現時指數Current monthly ��Cushion緩衝Customer education group客戶教育團體Customer service客戶服務Customer service fee客戶服務費Cut work hours削減工時D17DASP (Distressed Asset Sales Program)DASP（扣押資產銷售計劃）Date available (Remittance Rule)款項可用日期（匯款規定）Date issued發行日期、發出日期Date of disbursement付款日期DDLPI (Due Date of Last Paid 到期日）Death死亡Death certificate死亡證明書Debit card借記卡Debt債務Debt collection債務追收Debt MER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-CHINESE FINANCIAL TERMS
18ENGLISHTRADITIONAL CHINESEDebt management債務管理Debt relief債務減免Debt settlement債務清償、債務償還Debt settlement ebt-to-Income Ratio ��賠額Deductible �除、扣除額Deed契約、契據Deed of trust信託契據、信託證書Deed-in-lieu of ��、拖欠債務Default ��延期、遞延Deferred balance延付餘額Deferred interest延付利息Deferred payment延期支付Deferred principal延付本金Deferred principal balance延付本金餘額Deficiency judgment清償抵押債務餘額的判決Delayed start quency ��期未付款Delinquent payment拖欠債務、逾期未付款Demand feature要求立即行為/清償債務能力Demand �債務通知CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-CHINESE FINANCIAL TERMS
19ENGLISHTRADITIONAL CHINESEDemographic t部門Department of Health and Human Services衛生與公眾服務部Department of Homeland Security (DHS)國土安全部（英文簡稱為 DHS）Department of Housing and Urban Development住宅與城市發展部Department of Justice司法部Department of Labor勞工部Department of Social Services社會服務部Department of Veterans Affairs (VA)退伍軍人事務部（英文簡稱為 posit account存款賬戶Deposit Insurance from the Federal DepositInsurance Corporation (FDIC)Deposit Insurance Regulations of the FederalDeposit Insurance Corporation (FDIC)聯邦存款保險公司（英文簡稱為 ��簡稱為 FDIC）存款保險規定/法規Deposit slip存款收據、存款單Deposited rent �、折舊、損耗Direct lity payments殘障付款Disability rights �Disaster災難、災害Disaster ��Discharge in closure披露、公佈CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-CHINESE FINANCIAL TERMS
ENGLISHTRADITIONAL CHINESEDiscount points貼息點Discretionary expenses可任意支配的支出Discriminate Discrimination charge歧視指控Dispute [n.]爭議 [名詞]Dispute [v.]爭議 [動詞]Dispute the response (for t employment transfer遠程僱員調動Distressed Asset Stabilization Program (DASP)不良資產穩定計劃（英文簡稱為 ion of Consumer Education and ）Division of External Affairs (BCFP)外部事務聯絡司（BCFP）Division of Legal, General Counsel n of Research, Markets and P）Division of Supervision, Enforcement, Fair Lendingand Equal Opportunity �司（BCFP）Division of the Chief Operating Officer orce decree離婚判決Document ented resident合法居民Dodd-Frank Act《多德-弗蘭克法案》Dodd-Frank Wall Street Reform and ConsumerProtection Act of 201020《2010 ��法案》Dollar amount of the transfer美元轉賬金額Domestic partner同居伴侶Donation捐贈CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-CHINESE FINANCIAL TERMS
ENGLISHTRADITIONAL CHINESEDonor捐贈人Door-to-door salesperson逐戶兜售人員Down payment首付款、頭期款Downpayment assistance ug plan醫藥保險計劃DTI (debt-to-income ratio)DTI（債務收入比）Dual tracking雙軌制Due and payable應繳款和應付款Due date應付款日期、到期日Due Date of Last Paid Installment ��文簡稱為DDLPI）Due 物Due-on-sale ��款Durable power of 證書Duration持續時間E21EAH (Employer-Assisted Housing)EAH（僱主資助住房）Earned income勞務收入、勞動所得Earnest money ��Easement地役權ECOA (Equal Credit Opportunity ion savings account教育儲蓄賬戶Educational Opportunities Section (EOS)教育機會處（英文簡稱為 EOS）EEOA (Equal Educational Opportunities Act)EEOA（《平等教育機會法案》）EEOC (Equal Employment Opportunity NSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-CHINESE FINANCIAL TERMS
22ENGLI
This glossary of common financial terms was created and is used by the Bureau for translating consumer education materials from English to Chinese. The Bureau is publically sharing it in an effort to further the accessibility of financial information to limited English proficienct persons.
Organization of Chinese Americans (OCA) Process proceeded with translating the glossary into Chinese, Japanese, Korean, Tagalog, and Vietnamese . Therefore, it is with great pleasure that the EAC presents its 2008 Glossary of Key Election Terminology [English/Chinese and Chinese/English] . Th
A New English Chinese Dictionary of Journalism (2007) by Hu Zhiyong, An English -Chinese Dictionary of Neologisms (2009) by Li Mingyi, English-Chinese Neologism Dictionary (2013) by Wu Xuemei, A Dictionary of New Chinese Phrases in English (2015) by China Daily and A Chinese-English Dictionary of New Words and Expressions (2015) by Wu .
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