打白条 issue IOU

　　大额存单 certificate of deposit（CD）

　　大额提现 withdraw deposits in large amounts

　　大面积滑坡 wide-spread decline

　　大一统的银行体制 （all-in-one）mono-bank system

　　呆账（请见“坏账”） bad loans

　　呆账准备金 loan loss reserves（provisions）

　　呆滞贷款 idle loans

　　贷款沉淀 non-performing loans

　　贷款分类 loan classification

　　贷款限额管理 credit control;to impose credit ceiling

　　贷款约束机制 credit disciplinary（constraint）mechanism

　　代理国库 to act as fiscal agent

　　代理金融机构贷款 make loans on behalf of other institutions

　　戴帽贷款 ear-marked loans

　　倒逼机制 reversed transmission of the pressure for easing monetary condition

　　道德风险 moral hazard

　　地区差别 regional disparity

　　第一产业 the primary industry

　　第二产业 the secondary industry

　　第三产业 the service industry;the tertiary industry

　　递延资产 deferrable assets

　　订货不足 insufficient orders

　　定期存款 time deposits

　　定向募集 raising funds from targeted sources

　　东道国（请见“母国”） host country

　　独立核算 independent accounting

　　短期国债 treasury bills

　　对冲操作 sterilization operation;hedging

　　对非金融部门债权 claims on non-financial sector

　　多种所有制形式 diversified ownership