香港新闻工作者从业英语词典（73）

　　刺激消费boost consumption

　　刺激消费意欲stimulate consumer confidence

　　刺激经济stimulate the economy

　　刺激经济的一篮子方案fiscal stimulus package

　　协助最受影响的行业解决目前的困难help tide the hardest hit sectors over their immediate problems

　　于2006-07年财政年度前达致收支平衡，是前任财政司司长梁锦松今年三月预算案的主调。

　　Balancing Hong Kong's books by the 2006-2007 financial year was the central theme of the budget delivered by former financial secretary Antony Leung Kam-chung in March.

　　于二零零六至零七年度达至收支平衡wipe out the budget deficit by 2006-07

　　明白政府正面临严重财赤understood the government was facing a heavy budget deficit

　　油价波动的影响the impact of fluctuating oil prices

　　泡沫经济bubble economy

　　金融灾难financial apocalypse

　　长远经济增长复苏resumption of long-term economic growth

　　削减支出，纾缓财赤slash spending to trim the budget deficit

　　政府一份调查警告，若然不减省开支或增加税收，香港的三千六百九十亿元储备将于二零零八至零九年财政年度耗尽。

　　The SAR's $369 billion fiscal reserves will be wiped out by 2008-09 if the administration does nothing to cut spending or raising taxes， a government study has warned.

　　为了灭赤，政府无法再派糖。

　　The need to tackle the budget deficit means it is hard to hand out sweeteners.

　　为全球经济增添不明朗因素created greater uncertainty in the global economy

　　重振经济reinvigorate a slumping economy

　　香港亦决定减少财赤。

　　Hong Kong also planned to reduce the size of the fiscal deficit.

　　香港的外围因素external factors in Hong Kong

　　冻结卖地，收入减少，财赤恶化。

　　A reduction in proceeds stemming from the auction freeze will aggravate the city's budget deficit.

　　振兴经济bolster the economy

　　挽救疲弱的经济fixing the shuddering economy

　　消费者一日预期价格仍会下跌，就一日不会购物，只会买最必需要用的物品。

　　So long as consumers see prices continuing to fall， they will hold off making anything but the most essential purchases.

　　消费疲弱anaemic consumption

　　海外市场消费意欲急降depressed consumer sentiment in overseas markets

　　马先生所预期的通缩丝毫没有减退迹象，这多得数个因素，包括联系汇率、大陆相对的低成本和港府的减免措施。

　　The deflation Mr Ma predicted has shown no signs of abating， thanks to a number of factors that include the currency peg， cheaper costs on the mainland and government relief measures.

　　纾困措施/纾解民困措施the relief measures

　　将未能偿还庞大国债would default on repayment of its huge international loans

　　带领香港走出经济低谷/带领香港经济走出困境lead Hong Kong out of its economic woes/lead Hong Kong out of the present economic difficulties

　　设计一套刺激经济方案shape a stimulus package

　　这只是漫长通缩期的开始。

　　This is probably just the beginning of the deflationary period.

　　这些措施虽会对财赤造成压力，却是值得花的。

　　It will impose some pressure on the fiscal side， but we believe that it is necessary to spend the money.

　　通缩deflation

　　通缩日子重临the days of deflation return

　　提出开源节流的各种办法suggested various measures to cut expenditure and raise revenue

　　减少和消灭财赤的目标the goal of reducing and eliminating the deficit

　　减少财赤plugging the budget deficit

　　减轻非典型肺炎疫症造成的经济困境ease the economic hardship flowing from the outbreak of severe acute respiratory syndrome

　　减轻财赤ease the deficit

　　发行总值二百亿元的债券issue bonds worth $20 billion

　　开源节流broaden sources of income and contain expanses

　　灭赤人人有责。

　　Everyone should be responsible to shoulder the budget deficit.

　　灭赤措施deficit-eliminating measures

　　经济灾难economic woes

　　经济放缓/经济低迷economic setback/slowdown/downturn/turndown/downswing （n）

　　经济崩溃。

　　The economy is in tatters.

　　经济复苏economic recovery/upturn/pick-up/turn-up/upswing （n）

　　经济萧条listless economy

　　解决结构性问题tackle structural problems

　　该项措施难以振兴经济和楼市。

　　The move would do little to kick-start the economy or the property market.

　　预计未来三年公共开支增长，会继续高于本地生产总值增长。

　　The growth of expenditure will continue to outstrip GDP growth in the next three years.

　　预期香港来年仍不能走出通缩does not expect Hong Kong to escape deflation in the next year

　　预期经济会好转forecast a rebound in the economy

　　预算案赤字由预期的三百六十五亿元大幅减少至十六亿元。

　　The budget deficit had dropped from a forecast $36.5 billion to just $1.6 billion.

　　预算开始有赤字a burgeoning budget deficit

　　银根短绌的北韩政府the cash-strapped Pyongyang regime

　　宽免住宅差饷、水费和排污费give concessions on rates and water and sewerage charges to domestic users

　　影响香港的信贷评级affect our credit ratings

　　踏入今年以来，香港经济从亚洲金融风暴复苏的步伐明显加快。上半年本地生产总值录得双位数字的强劲增长。

　　Since the beginning of this year， the pace of our recovery from the Asian financial turmoil has quickened significantly. Our Gross Domestic Product attained robust double-digit growth in the first half of the year.

　　随着经济复苏，股市楼市造好，二零零三至零四年的财政赤字应为大约五百亿元，远低于官方估计的七百八十亿元。

　　Thanks to the economic recovery and improving stock and property markets， the 2003-04 deficit should be about $50 billion， well below official estimates of $78 billion.

　　联系汇率，加上内地的低廉物价水平和政府的减免措施，令经济学家认为通缩仍会持续。

　　With a pegged dollar， a cheap mainland market and government rebates， economists see no end in sight to deflation.

　　豁免差饷、水费和排污费waiving their rates and water and sewerage charges

　　（日本）过度扩张、抗拒改革的银行overextended， reform-proof banks

　　（美国）减息半厘cut the key US interest rate by 50 basis points

　　「用者自付」原则‘user pays' principle

　　「储蓄易」服务‘Easy Savings' service

　　大大增加向大部分小存户收取的费用sharply increase charges imposed on most small depositors

　　大额存户major depositors

　　小额存户small depositors

　　分二十四期偿还本金和利息repay the principal and interest by 24 monthly installments

　　户口号码account number

　　支票户口/往来户口current account

　　月结单monthly statement

　　以每日复息计算with daily compound interest

　　出粮户口payroll account

　　加息半厘raised interest rates by half a percentage point

　　加息周期the interest-rate rise cycle

　　加息压力the pressure of interest rate increases

　　外资银行foreign-owned bank

　　打簿update their passbooks/get a bank statement/bringing their passbooks up to date

　　本地银行系统the local banking system

　　由于港元和美元挂钩，港元利率将紧贴美元利率。

　　Hong Kong's interest rates closely track those in the US because of the territory's currency peg to the US dollar.

　　立即加息半厘immediately lifting their lending and deposit rates by half a percentage point

　　各大银行all major banks

　　各大银行从今日起把储蓄利率降至象征式的0.01厘，至少没有向存户收费。

　　The leading local banks will pay depositors a face-saving 0.01 per cent in interest on their savings accounts from today， avoiding the alternative of charging customers for keeping money in the bank.

　　回复零利率政策return to its zero-interest-rate policy

　　存户depositors

　　收数佬/追债的人debt collectors

　　有四十万元银行票据遭退票cheques worth $400，000 bounced

　　有限制牌照银行restricted licensed bank

　　有资金流走迹象。

　　There were signs of capital outflow.

　　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。

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