IELTS普通词汇 (分数8-9) - 金融与货币

在这里，您将学习一些与金融和货币相关的英语单词，这些单词是普通培训雅思考试所必需的。

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Vocabulary for General Training IELTS (8-9)

price fixing

[名词]

an agreement between business rivals to not sell products at a lower price

价格固定, 价格协议

Ex: Price fixing undermines the principles of free market competition and can harm consumers by limiting choices and driving up prices .**价格固定**破坏了自由市场竞争的原则，并通过限制选择和抬高价格可能损害消费者。

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alimony

[名词]

the money that is demanded by the court to be paid to an ex-spouse or ex-partner

赡养费, 抚养费

Ex: The judge considered various factors in determining the amount of alimony to be paid .法官在确定应支付的**赡养费**金额时考虑了各种因素。

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arrears

[名词]

an unpaid debt that is past due

欠款, 逾期未付债务

Ex: The company settled its arrears to avoid penalties .莎拉最终通过与国税局达成付款计划，清除了她的**欠款**，解除了相当大的财务负担。

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collateral

[名词]

a loan guarantee that may be taken away if the loan is not repaid

抵押品, 担保物

Ex: The entrepreneur pledged his stock portfolio as collateral to secure the business loan needed to expand his company .这位企业家承诺以他的股票投资组合作为**抵押**，以确保扩大公司所需的商业贷款。

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contingency

[名词]

the funds that are set aside for unforeseen expenses that may arise in the future

应急费用

Ex: Personal finance experts recommend building a contingency fund equivalent to three to six months ' worth of living expenses to provide a financial buffer in case of job loss or medical emergencies .个人理财专家建议建立一个相当于三到六个月生活费用的**应急**基金，以在失业或医疗紧急情况下提供财务缓冲。

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lump sum

[名词]

a single, large payment made in full, instead of smaller payments made over time

一次性付款, 整笔付款

Ex: Employees who resign from the company often receive a lump sum payment for their unused vacation days upon departure .辞职的员工通常在离职时获得未使用假期天数的**一次性付款**。

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overhead

[名词]

the regular costs required for maintaining a business or an organization

间接费用

Ex: Overhead can vary widely depending on the size and location of the organization.**间接费用**可能会因组织的规模和位置而有很大差异。

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top-up

[名词]

an extra amount of money added to an existing sum so that it reaches the required total

充值, 补足

Ex: As my prepaid phone plan was running low on minutes, I went online to top up my account before it expired.当我的预付费手机套餐分钟数快用完时，我在到期前上网**充值**了我的账户。

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bubble

[名词]

a rapid trend of increase in prices that eventually leads to a collapse

泡沫, 投机泡沫

Ex: Central banks closely monitor asset prices to identify and mitigate the risks associated with the formation of bubbles in financial markets .中央银行密切关注资产价格，以识别和减轻与金融市场中**泡沫**形成相关的风险。

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face value

[名词]

the price that is imprinted on a product

面值, 票面价值

Ex: Despite its low face value, the collectible coin was worth significantly more to enthusiasts due to its rarity and historical significance.尽管它的**面值**很低，但由于其稀有性和历史意义，这枚收藏币对爱好者来说价值要高得多。

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outlay

[名词]

an amount of budget dedicated to something

支出, 投资

Ex: Outlay for utilities increased this year .

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receivables

[名词]

the amount of unpaid debt that a company expects to receive from its customers or another company

应收账款, 应收款项

Ex: The accountant reconciled the receivables ledger to ensure that all invoices and payments were accurately recorded .会计核对了**应收款**分类账，以确保所有发票和付款都准确记录。

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seed money

[名词]

the initial amount of money needed to start a business or project

种子资金, 启动资金

Ex: As a crowdfunding campaign stretch goal , the project creators aimed to raise enough seed money to establish a small business around their innovative product idea .作为众筹活动的延伸目标，项目创作者旨在筹集足够的**种子资金**，围绕他们的创新产品想法建立一个小型企业。

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stake

[名词]

an amount of money invested in a business

股份, 股权

Ex: The family-owned business decided to sell a minority stake to raise funds for expansion .这家家族企业决定出售**少数股权**以筹集扩张资金。

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nickel

[名词]

a five-cent coin of Canada and the US

镍币, 五分硬币

Ex: He did n't have a nickel to his name after spending all his money on rent .在把所有的钱都花在房租上后，他连一个**五分硬币**都没有了。

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corkage

[名词]

an amount of money charged by a restaurant for drinking a wine that was bought from somewhere else by the customer

开瓶费, 软木塞费

Ex: The bistro offers a corkage-free Monday, encouraging guests to bring their own wine without extra cost.小酒馆提供周一免**开瓶费**，鼓励客人自带酒水，无需额外费用。

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gratuity

[名词]

an additional amount of money given to someone for their services

小费, 赏金

Ex: The chauffeur provided excellent service , so we gave him a gratuity in appreciation for his professionalism .司机提供了出色的服务，因此我们给了他小费以感谢他的专业精神。

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building society

[名词]

a financial instituion that offers loans or interest for the money invested there

建筑协会, 储蓄银行

Ex: He transferred his funds from a bank to a building society.

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cash dispenser

[名词]

an automatic machine that allows people to withdraw money or do other banking operation using a debit card

自动取款机, ATM机

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clearing house

[名词]

a financial institution that oversees exchanging cheques and other financial transactions

清算所, 结算中心

Ex: The clearing house conducts daily settlements to ensure that trades are settled promptly and accurately , reducing systemic risk in the financial system .**清算所**进行每日结算，以确保交易能够及时准确地结算，降低金融体系中的系统性风险。

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giro

[名词]

a predominantly european system that allows different institutions within a country to electronically transfer money

转账, 电子转账系统

Ex: The giro system allows quick and secure fund transfers .在欧洲旅行时，杰克发现使用**giro**系统在不同国家的账户之间转账很方便。

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line of credit

[名词]

the maximum amount of loan that a customer is allowed to receive

信用额度, 循环信贷

Ex: The student obtained a line of credit from a financial institution to help cover tuition and living expenses while attending university .该学生从金融机构获得了一条**信用额度**，以帮助支付大学期间的学费和生活费。

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fintech

[名词]

the technological innovation in financial services

金融科技, 金融技术

Ex: Governments around the world are recognizing the potential of fintech to drive financial inclusion and economic growth , implementing supportive policies and regulations to foster innovation in the sector .世界各国政府正在认识到**金融科技**在推动金融包容性和经济增长方面的潜力，正在实施支持性政策和法规以促进该领域的创新。

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pension pot

[名词]

the total accumulated savings set aside for retirement

养老金池, 退休储蓄

Ex: Upon reaching retirement age , individuals can choose to withdraw a lump sum or receive regular payments from their pension pot to support their living expenses .达到退休年龄后，个人可以选择一次性提取或从他们的**养老金池**中定期领取款项以支持生活费用。

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child support

[名词]

a regular payment from one parent to financially support the child after a divorce

子女抚养费, 儿童抚养金

Ex: Parents can work together to establish a fair child support arrangement outside of court , often with the help of a mediator .父母可以共同努力，在法庭外建立一个公平的**子女抚养**安排，通常是在调解员的帮助下。

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corporate welfare

[名词]

subsidies, incentives, or benefits given by the government to big or growing businesses and corporations

企业福利, 企业补贴

Ex: Transparency advocates call for greater oversight and accountability in the distribution of corporate welfare to ensure that the funds are used effectively .透明倡导者呼吁在**企业福利**的分配中加强监督和问责，以确保资金得到有效利用。

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curtailment

[名词]

the act of reducing or limiting something in order to reach financial stability

削减, 限制

Ex: Curtailment of capital expenditures was necessary to preserve cash flow during the financial downturn.在财务低迷期间，为了保持现金流，**削减**资本支出是必要的。

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to wind down

[动词]

to slowly reduce the activity of a business or organization, leading to its eventual closure

逐渐减少, 逐步关闭

Ex: The board of directors voted to wind the organization down and distribute its remaining assets.董事会投票决定**逐步关闭**该组织并分配其剩余资产。

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IELTS普通词汇 (分数8-9)

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