不景气 slump （衰退 recession） 二板市场 the second board market 中国创业板 China Growth Enterprise Market 首次上市 IPOs (initial public offering) 市场资本总额 market capitalization 法人股 institutional shares 内部股（非上市招股） private company shares 牛市 bull market 法律风险 legal risk 风险管理 risk management 坚持严格的贷款标准 maintain strong underwriting standards 六大风险 risks in 6 key areas (U.S. Federal Reserve criterion) 信用风险 credit risk 供给学派 supply-side economist 第一产业（农业） agriculture (primary industry) 第二产业（工业） manufacturing industry (secondary industry) 第三产业（服务业） service industry (tertiary industry) 主要经济指标 major economic indicators 国内生产总值 GDP gross domestic product （商品和劳务币值总和，不包括海外收入支出） 国民生产总值 GNP gross national product（商品和劳务币值总和，包括海外收入支出） 人均国内生产总值 GDP per capita 宏观经济 macro economy 互助基金 mutual fund 扩大内需 expand domestic demand 改善居民心理预期 inspire the general public's confidence in the future needs 鼓励增加即期消费 encourage more immediate consumption 长期国债 long-term treasury bonds 支付国债利息 to service treasury bonds 财政赤字和债务 deficits and the national debt 按原口径计算 calculate on the base line 按不变价格计算 calculate at constant price 按可比价格计算 calculate at comparable price 列入财政预算支出 listed in the fiscal budget 结售汇制度 the system of exchange, settlement and sales 经常项目顺差 favorable balance of current account, surplus of current account 开办人民币业务 engage in Renminbi (RMB) business 出口退税制度 the system of refunding taxes on exported goods 保证金台帐制度 Deposit account system for processing trade 分期付款 pay by installment 保值储蓄 inflation-proof bank savings 抵押贷款 collateralised loans 住房抵押贷款 residential mortgage loan 货币主义者 monetarist 计划经济 planned economy 指令性计划 mandatory plan 技术密集型 technology intensive 大规模生产 mass production 经济林 cash tree 跟踪审计 follow-up auditing 流动性风险 liquidity risk 操作风险 operational risk 内部审计 internal audit 抛售 bear sales 配套政策 supporting policies 中国人民银行（中央银行）The People’s Bank of China（central bank） 四大国有商业银行 4 major state-owned commercial banks 中国银行 Bank of china 中国工商银行 Industrial and Commercial Bank of China（）and 中国建设银行 Construction Bank of China 中国农业银行 Agricultural Bank of China 招商银行 China Merchants Bank 疲软股票 soft stock 配股 allotment of shares 实际增长率 growth rate in real terms 年均增长率 average growth rate per annum 投资回报率 rate of return on investment 外贸进出口总额 total foreign trade value 实际利用外资 incoming overseas c
