MONEY SERVICES

advise = sfat, informatie; (aici) aviz;

Airmail Transfer = transfer prin posta aeriana;
application form = formular de cerere;
at sight/at presentation = la vedere/la prezentare;
available funds = fonduri disponibile;
Banker’s draft = polita bancherului;
banking clerk = functionar bancar;
banknotes = bancnote;
bearer = purtator;
bearer bonds = titluri la purtator;
blank endorsement = andosare in alb;
by air = pe calea aerului;
by cable = telegrafic;
by endorsement = prin andosare;
by ordinary trasfer of debts = prin simplul transfer al creantelor;
cash = numerar, bani lichizi;
cashier = casier;
certificate cheque = cec certificat;
cheque = cec;
cheque payable to bearer = cec la purtator;
client = customer = client;
coins = monede;
collect (to) = a incasa;
collection process = procesul de incasare;
compulsory mentions = mentiuni obligatorii;
cross = barare;
crossed cheque = cec barat;
drawee = tras;
drawee bank = banca trasului, in acest caz banca platitoare;
drawer = tragator;
duties = indatoriri; sarcini;
endorse (to) = a andosa;
endorsement = andosare;
endorser = persoana care efectueaza andosarea;
exchange risk = risc valutar;
expenses = cheltuieli;
general cross = barare generala;
give instructions (to)= a da instructiuni;
holder = detinator;
input messages = mesaje de intrare;
interest charges = cheltuieli cu dobanda;
interest incomes = venituri din dobanzi;
International Money Order = mandat de plata internationala;
International Payment Order = ordin de plata internationala;
not to order = nu la ordin;
notify and pay (to)= a notifica si a plati;
order form = formular de ordin;
output messages = mesaje de iesire;
overseas bank = banca cu sediul in strainatate;
owner = proprietar;
passbook = carnet de cec;
payee = beneficiary = beneficiarul unei plati;
paying bank = banca platitorului;
payment by cheque = plata prin cec;
payment in cash = plata cu numerar sau in bani lichizi;
postal orders = mandat postal;
proceeds = venituri;
remit funds aboard = a remite fonduri in strainatate;
remittance by post = remitere prin posta;
remittance telegraphically = remitere telegrafica;
remitter = remitent;
securities = titluri de valoare;
simple remittance = remitere simpla;
special cross = barare speciala;
special endorsement = andosare speciala;
specimen signatures = specimen de semnaturi;
Standing order = ordine de plata permanente;
Telegraphic transfer (TT)= transfer telegrafic;
be valid (to) = a fi valabil;
traveller’s cheque = cec de calatorie;

ELECTRONIC BANKING SERVICES

debit cards = carti de debit;

Electronic banking services = servicii bancare electronice, adica servicii
efectuate prin calculator;
electronic cash = numerar electronic;
electronic cheque = cec electronic;
electronic money = moneda electronica, bani electronici;
electronic signature = semnatura electronica;
fraud = frauda;
network = retea;
~ transmission = retea de transmisie;
password = parola;
PIN = Personal Identification Number = numar personal de identificare;
POS = Point of Sale Terminal = locul vanzarii;
record (to) = a inregistra;
 user = utilizator;
telephone banking = banca la domiciliu.

OTHER ELECTRONIC BANKING SERVICES

Electronic Funds Transfer = EFT = Transfer Electronic de Fonduri;

money transfer = transfer de bani;
Automated Teller Machine = ATM = ghiseu automat de numerar;
EFT-POS = Electronic Funds Transfer to the Selling Points Terminals
= transferul electronic al fondurilor la locul vanzarii;
credit cards = carti de credit;
store cards = carduri de magazin;
debit cards = carti de debit;
retailer = detailist;
magnetic strip = banda magnetica;
cash dispensing = distribuitor de numerar;
balance inquiry = solicitarea soldului contului;
POS = Point of sale = punct de vanzare;
keyboard = tastatura;
Joint-stock banks = banci pe actiuni
Money market = piata monetara.

BANKER - CUSTOMER RELATIONSHIP

accountant = contabil;
Act/charter/law = lege;
adequate level of solvency = nivelul adecvat al solvabilitatii;
application to open an account = cerere pentru a deschide un cont;
banker/bank = banca;
Banker-customer relationship = relatia dintre banca si client;
banking procedures = proceduri bancare;
building societies = societati de constructii;
creditor = creditor;
current savings deposit = depozit curent de economii;
customer/client = client;
deal (to) = (a face o) tranzactie (cu);
debtor = debitor;
deputy = (aici) delegat; adjunct;
disbursement = plata, achitare;
duties and rights = obligatiuni si drepturi;
forgery = frauda;
insurance company = societate de asigurari;
 legal person = persoana juridica;
lend (to )= a imprumuta (pe);
license/authorisation = licenta / autorizatie;
licensed deposit taking institutions = institutii acreditate sa constituie/ primeasca
depozite;
mortgage = ipoteca;
natural person = persoana fizica;
overdrawn = fara acoperire;
proceeds = venituri;
recognised banks = banci acreditate;
sealed = sigilat;
sight interest = dobanda la vedere;
solicitor = avocat;
theft = furt;
be entitled to (to) = a fi imputernicit (sa);
be supplied with (to) = a fi alimentat cu;
complete/conclude a contract (to) = a incheia un contract;
finish/terminate/cancell a contract (to) = a rezilia un contract;
mortgage (to) = a ipoteca;
open an account with (to) = a deschide un cont;
pass on (to) = a statua;
vest somebody to do something (to) = a investi pe cineva sa faca ceva;
Trustee Savings Bank = banci de incredere specializate in detinerea
economiilor (un fel de CEC);

RISKS MANAGEMENT

credit institution = institutie de credit;

risks management = administrarea riscurilor;
financial risks = riscuri financiare;
foreign exchange risk = risc valutar;
liquidity risk = risc de lichiditate;
interest rate risk = riscul ratei dobanzii;
operational risk = risc operational;
own funds = fonduri proprii;
commitments = angajamente;
solvency = solvabilitate;
banking rating system and the early warning system = sistem de
avertizare timpurie si de stabilire a rating-ului de tara;
level of large exposures = nivelul expunerilor mari;
minimum level of the capital = nivelul minim al capitalului;
administrative procedures = proceduri administrative;
internal control procedures = proceduri de control intern;
classification of credits = clasificarea creditelor;
 large loans = imprumuturi mari;
loans granted to the debtors in special relations with a bank = imprumuturi acordate
debitorilor care se afla in relatii speciale cu banca;
liquidity = lichiditate;
debt service = serviciul datoriei;
doubtful credit = credit indoielnic;
interest rate risk = riscul ratei dobanzii;
off balance sheet items = elemente in afara bilantului contabil;
prudential measures = masuri de prudentialitate;
credit risk = riscul de credit;
watch credit = credit in observatie;
doubtful credit = credit indoielnic;
loss credit = credit de pierdere;
shareholder = actionar;
own capital = capital propriu;
grant a credit (to) = a acorda un credit;
financial-accounting department = departamentul financiar-contabil;
assets = active;

BANKS AND LENDING

accountant = contabil;
auction credit =credit de licitatie;
borrowed funds = fonduri atrase (imprumutate);
capability = ability = capacitate; abilitate;
currency risk = riscul de schimb valutar;
fixed interest rate loan = imprumut cu rata dobanzii fixa;
floating interest rate loan = imprumut cu rata dobanzii flotanta;
legal person = persoana juridica;
lending = imprumut;
lending facilities = facilitati legate de acordarea imprumutului;
liabilities = pasive;
liquidity risk = riscul de lichiditate;
Lombard credit = credit lombard;
loss = pierdere;
market risk = riscul pietei;
minimum capital = capital minim;
operational risk = riscul operational.
own capital = capital propriu;
paid up capital = capital varsat;
physical person = persoana fizica;
preferential credit = credit preferential;
purpose = destination = scop / destinatie;
repayment = plata;
solicitor = avocat; (amer. procuror);
solvency ratio = rata solvabilitatii;
special credit = credit special;
standard credit = credit standard;
structural credit = credit structural;
substandard credit = credit substandard;
supplementary capital = capital suplimentar;
weight (to) = a pondera;
variable interest rate loan = imprumut cu rata dobanzii variabila;
watch credit = (aici) credit in observare

RATES OF EXCHAGE

accepted = acceptat;
appreciation = apreciere;
balance of payments = balanta de plati;
branch = sucursala;
capital account = cont de capital;
capital foreign exchange operations = operatiuni valutare de cont de
capital;
capital transactions = tranzactii de capital;
commodity exchange = bursa de marfuri;
covering exchange rate = acoperirea cursului de schimb valutar;
current account = cont curent;
current foreign currency operations = operatiuni valutare curente sau
operatiuni valutare de cont curent;
current transactions = tranzactii curente;
deals = tranzactii;
delay = intarziere;
delivery = livrare, distribuire;
demand = cerere;
depreciation = depreciere;
devaluation = devalorizare;
direct quatation = cotatie directa;
direct investment = investitie directa;
due penalties = penalitati scadente;
exchange control = foreign exchange control = control valutar;
exchange office = exchange bureau = casa de schimb valutar;
exchange rate = curs de schimb valutar;
failure = esuare; esec;
firm quotation = cotatie ferma;
fixed exchange rate regime = regimul valutar cu un curs de schimb fix;
foreign currency = foreign exchange = valuta;
foreign exchange market = piata valutara;
 foreign exchange intervention = interventie valutara;
foreign exchange restrictions = restrictii valutare;
foreign exchange risk = risc valutar;
foreign exchange transactions = tranzactii valutare;
forward exchange rate = curs de schimb valutar la termen;
forward operations = forward transactions = operatiuni la termen;
headge = acoperire;
hedging = tehnica de acoperire a riscului valutar;
indirect quatation = cotatie indirecta;
individuals = persoane fizice; indivizi;
international debt = datorie externa;
international reserves = rezerve internationale;
international trade = comert international;
legal framework = cadru legal;
legal persons = persoane juridice;
loss = pierdere;
managed float regime (dirty float) = regim valutar controlat;
moderate amounts = sume moderate, (aici) sume aferente cheltuielilor
curente de intretinere a membrilor familiei, care pot fi justificate ulterior cu documente.

monetary unit = unitate monetara;

non-residents = nerezidenti;
offer = oferta;
outright transactions = tranzactii complexe de vanzare-cumparare de valute;
own norms = norme proprii;
purchase order = ordin de cumparare;
quotation = cotatie;
reimbursement = rambursare;
rejected = respins;
residents = rezidenti;
retail market = piata en-detail; piata cu amanuntul;
revaluation = revaluare;
settlement = (aici) decontare;
share capital = capital social;
spot exchange rate = curs de schimb valutar la vedere;
spot operations = spot transactions = operatiuni la vedere;
spread = marja; diferenta dintre cursul de schimb de vanzare si cumparare, sau dintre
dobanda activa si pasiva a unei banci;
sterilized foreign exchange intervention = interventie valutara sterilizata;
stock exchange = bursa de valori;
subsidiary = filiala;
swap operations = incheierea concomitenta, pe piata valutara, a doua operatiuni legate
intre ele, bazate pe aceeasi suma de bani: cumparare curenta si vanzare la termen, vanzare
curenta si cumparare la termen sau vanzare si cumparare la termene diferite.
traded = comercializat, tranzactionat;
trade balance = balanta comerciala;
 unsterilized foreign exchange intervention = interventie valutara nesterilizata;
up-to-date rate = rata actualizata;
wholesale market = piata en-gros;
working day = zi lucratoare;
World Bank = Banca Mondiala;
International Bank for Reconstruction and Development (IBRD) = Banca
Internationala pentru Reconstructie si Dezvoltare (BIRD).

FINANCIAL DERIVATIVES

options = optiunea reprezinta contractul care acorda beneficiarului dreptul de a

cumpara sau a vinde un instrument financiar sau o marfa la un pret specificat intr-o
perioada determinata;
option premium = prima pentru o optiune;
call option = optiunea “call” este optiunea de cumparare;
put option = optiunea “put” este optiunea de vanzare;
European option = optiune europeana;
American option = optiune americana;
exotic options = optiuni exotice;
interest rate swaps = swap pe rata dobanzii;
currency swaps = swap valutar
currency account = un cont bancar exprimat in orice valuta, alta decat moneda
nationala;
Eurocurrency = un depozit exprimat in orice valuta detinuta in afara tarii emitente;
Forward contract = contract la termen;
Hedging = asigurarea riscului valutar;
foreign exchange risk = risc valutar;
foreign exchange exposure = expunere valutara;
sovereign risk = risc de suveranitate;
hard currency = valuta forte;
strong currency = valuta forte (puternica);
weak currency = valuta slaba;
foreign exchange control = control valutar;
translation risk = risc de transformare;
transaction risk = riscul operatiunii;
overseas = abroad = in strainatate;
derivatives = derivate; acestea sunt instrumente financiare care sunt in esenta un produs
secundar al actiunilor, obligatiunilor etc.
bond markets = pietele obligatiunilor;
borrow (to) = a imprumuta;
lend (to) = a da cu imprumut;
lapse (to) = a decadea; a se scurge;
gamble (to) = a risca; a pierde;
exchange rate arbitrage = arbitraj de curs de schimb;
invoice (to) = a factura
consolidated balance sheet = bilant contabil consolidat;
open outcry = strigare libera;
initial margin = marja initiala;
financial futures = operatiuni financiare la termen;
clearing house = casa de compensare;
settlement price = pretul de decontare;

INTERNATIONAL TRADE

abroad = in strainatate;
advertising = reclama publicitara;
advising bank = banca avizatoare;
airway bill / air consignment bill = scrisoare de transport aerian;
arrival = sosire;
at sight = la vedere;
batch = grupa, lot (de marfuri);
bear all risks = suporta toate riscurile;
berth = dana, chei;
bill of collection = incasso documentar;
bill of exchange = cambie;
bill of lading = conosament;
borrower = imprumutat/debitor;
buyer = cumparator;
by-products = produse derivate;
Carriage Paid to = CPT = transport platit pana la...;
Carriage = transport;
carrier = caraus;
certificat of origin = certificat de origine;
Cost, Insurance and Freight = CIF = cost, asigurare si navlu;
Carriage and Insurance Paid to = CIP = cost si asigurare platite pana la...
clearance = achitare;
collection = incasso;
commercial documents = documente comerciale;
commitment = angajament;
consignee = destinatar;
consular invoice = factura consulara;
Cost and Freight….= CFR = cost si navlu;
contracting parties = parti contractante;
damaged = avariat;
deferred = amanat;
Delivered at Frontier = DAF = franco frontiera;
Delivered Duty Paid…= DDP = franco destinatia vamuit…;
Delivered Duty Unpaid…= DDU = franco destinatie nevamuit…;
Delivered Ex Quay…= DEQ = franco chei;
Delivered ex Ship = DES = franco nava nedescarcata;
departure = plecare;
documents of title = documente de titlu;
draft = proiect;
ex works = franco fabrica;
fee = taxa;
financial documents = documente financiare;
flight stamp = timbru par avion;
flood = inundatie;
foreign exchange risk = risc valutar;
Free Alongside Ship = FAS = franco de-a lungul vasului;
free carrier = FCA = franco transportator;
Free on Board = FOB = franco la bord;
freight = navlu;
global amount = suma globala;
handling = manipulare;
harmless = fara pagube;
haulage = transport prin carausie; taxa de transport;
issuer = emitent;
insurance certificate = certificat de asigurare;
insurance documents = documente de asigurare;
insurance policy = polita de asigurare;
international sales contract = contract international de vanzare;
invoice = factura;
L/C = letter of credit = scrisoare de credit;
documentery letter of credit = acreditiv documentar;
leakage = pierdere/scurgere de cantitate;
legalised/visaed invoice = factura legalizata;
lender = imprumutator/creditor;
letter of introduction = scrisoare de prezentare;
lifting = ridicare;
lighter = slep;
loan contract = contract de imprumut;
lorry-way bill = scrisoare de trasura pentru transportul rutier;
main carriage unpaid = transportul principal neplatit;
mark = marcare;
movement certificate EUR-1 = certificat de miscare EUR-1;
non delivery = nelivrare;
notifying party = partea notificatoare;
offloaded = in afara incarcaturii;
on behalf of somebody = in numele cuiva;
outstanding = neplatit, restant, important;
packaging = ambalare;
packing list = lista de ambalaj;
Parcel Post Receipt = recipisa de coletarie;
port of call = port de escala;
preamble = preambul;
pro forma invoice = factura proforma;
Promissory Note = bilet la ordin;
pursuant = conform;
railway bill = rail consignment note = scrisoare de trasura pentru
transportul feroviar;
raw materials = materii prime;
rediscount = rescontare;
rejection = respingere;
right - hand corner = coltul din dreapta;
riot = revolta;
SAD = Single Administrative Document = document administrativ unic;
sales contract = contract de vanzare;
sample = mostra;
ship = vas, nava;
shipping documents = documente de transport;
spoilage = alterare;
strike = greva;
supersede (to) = a inlocui;
supplier = furnizor;
term of delivery = termen de livrare;
term of payment = termen de plata;
TIR book = carnet TIR;
be assessed (to) = a fi evaluat;
be discounted (to) = a fi scontat;
be encountered (to) = a fi lovit / ciocnit;
be impended (to) = a fi iminent;
be labelled (to) = a fi etichetat;
be posted (to) = a afisa, a lipi;
be tailored (to) = a fi confectionat / ajustat;
bind-up (to) = a lega;
check (to) = a verifica;
fall due (to) = a fi scadent;
fall under somebody heading (to) = a cadea sub jurisdictia cuiva;
fill in (to) = a completa;
forfeit (to) = a pierde prin confiscare; a pierde un drept;
mix (to) = a amesteca;
pump (to) = a pompa;
rediscount (to) = a fi rescontat;
stamp (to) = a timbra, a stampila;
wire (to) = a telegrafia;
trade mark = marca fabricii / marca de comert;
truck = camion;
trustworthy = demn de incredere;
type of packaging = mod de ambalare;
validity = valabilitate;
VAT = tax on added value = TVA (taxa pe valoarea adaugata);
wasting litigation = actiune in justitie in cazul unei pierderi;
worthiness = credibil;
written evidence = document scris;

METHODS OF PAYMENT OR SETTLEMENT

ability = capacitate; abilitate

advance payment = plata in avans;
cash flow = flux monetar;
clean collection = incasso curat;
D/A (acceptance of documents) = acceptarea documentelor;
D/P (against payment) = documente contra plata;
dispatch = expediere;
documentary collection/ bill of collection = incasso documentar;
domestic trade = comert interior;
drawee = tras;
foreign trade = comert exterior;
guarantee of payment = garantie de plata;
liabilities = pasive, obligatii;
open account = cont deschis;
responsibilities = responsabilitati;
security = (aici) garantie;
statement of account = extras de cont;
cancel the order (to) = a anula un ordin;
grant a credit (to) = a acorda un credit;

DOCUMENTARY CREDIT/ LETTER OF CREDIT

accepting bank = banca acceptatoare;

advising bank = banca avizatoare;
applicant = (aici) ordonator;
at sight = la vedere;
certificate of analysis = certificat de analiza;
confirming bank = banca confirmatoare;
consignment = transport de marfa;
country risk = risc de tara;
deferred payment = plata amanata;
documentary credit/ letter of credit = acreditiv documentar;
expiry date = data de expirare;
forward contract = contract la termen;
 indebtedness = stare de indatorare;
inspection certificate = certificat de inspectie;
International Chamber of Commerce = Camera Internationala de Comert;
irrevocable credit = acreditiv irevocabil;
issuing bank = banca emitenta;
payment in advance = plata in avans;
revocable credit = acreditiv revocabil;
shipment = incarcatura;
tenor = maturity = scadenta;
trustworthiness = credibilitate;
worthiness = credibilitate;
assignment of the proceeds of a credit = cesiunea acreditivului

SHORT-TERM FINANCE EXPORTS

short-term finance = finantare pe termen scurt;

factoring = invoice discounting = colectarea datoriilor este o finantare pe termen scurt
utilizata in comertul international si are la baza un contract incheiat intre o parte numita
furnizor si o alta numita factor;
factoring chain = lantul de factoring este o retea internationala a tuturor companiilor de
factoring;
principal = rata de capital;
schedule of the repayment = scandentarea platii ratelor de capital si dobanda;
minute = proces verbal;

MEDIUM- AND LONG-TERM FINANCE FOR EXPORT

supplier credit = credit furnizor;

buyer credit = credit cumparator;
ECGD = Export Credits Guarantee Department = Departamentul de
Garantare a Creditelor de Export a fost infiintat in anul 1991 pentru a-i asigura pe
exportatorii britanici contra unor riscuri care apar in comertul exterior.
onus = raspundere, obligatie;
overseas debt = datorie externa;
default (to) = a nu-si indeplini obligatiile;
lines of credit = linii de credit;
insolvency = incapacitate de plata;
instalments = plata in rate;
lease (to) = a inchiria;
financial lease = leasing financiar;
lessee = persoana care inchiriaza; persoana care plateste o suma de bani pentru
proprietatea inchiriata;
lessor = persoana care acorda o inchiriere; persoana care ofera spre inchiriere;
rental contract = contract de inchiriere; loom = razboi de tesut; gherghef;
rent = chirie.

GUARANTEES OR BONDS

guarantee = bond = garantie;

bank guarantee = garantie bancara;
guarantor = garant;
tender = bid bond = garantie pentru licitatie;
performance bond = garantie de aducere la indeplinire;
retention bond = garantie de retinere;
demand guarantee = garantie la cerere;
principal = ordonator;