Nguyễn Minh Quân - TCDN54F Tiếng Anh chuyên ngành TC-NH I Terminologies Abenomics: Abenomics refers to the economic policies advocated by Shinzō Abe, is based upon "three arrows" of fiscal stimulus, monetary easingand structural reforms Bank account (Tài khoản ngân hàng):an arrangement that you have with a bank that allows you to keep your money there, to pay in or take out money, etc.A bank account can be a deposit account, a credit card, or any other type of account offered by a financial institution Base-rate tracker mortgage (Khoản vay chấp theo lãi suất bản): The mortgage interest rate is linked to the interest rate announced by the Central Bank Biometrics (Sinh trắc học):Biometrics refers to metrics related to human characteristics and traits It is also used to identify individuals in groups that are under surveillance Breach of contract (Vi phạm/Phá vỡ hợp đồng): A legal cause of action in which a binding agreement or bargained-for exchange is not honored by one or more of the parties to the contract by non-performance or interference with the other party’s performance In the context, breach of contract means the borrower is in default of loan Brokerage firm (Công ty môi giới):is a financial institution that facilitates the buying and selling of financial securities between a buyer and a seller Brokerage firms serve a clientele of investors who trade public stocks and other securities, usually through the firm's agent stockbrokers Building society:A building society is a financial institution owned by its members as a mutual organisation Building societies offer banking and related financial services, especiallymortgage lending Capped mortgage (Khoản vay chấp theo lãi suất giới hạn):The mortgage interest rate can only rise as far as a certain level Cash dispenser (máy rút tiền):a machine in or outside a bank, etc, from which you can get money from your bank account using a special plastic card Nguyễn Minh Quân - TCDN54F Cash management account (Tài khoản quản lý tiền mặt) Central bank (ngân hàng trung ương):A central bank, reserve bank, or monetary authority is an institution that manages a state's currency, money supply, andinterest rates Central banks also usually oversee the commercial banking system of their respective countries CHAPS (Clearing House Automated Payment System - Hệ thống toán bù trừ tự động): A CHAPS transfer is initiated by the sender to move money to the recipient's account (at another banking institution) where the funds need to be available (cleared) the same working day No pre-printed slip specifying the recipient's details is required The funds transfer is performed in real-time removing the issue of float or the potential for payments to be purposely stopped by the sender, or returned due to insufficient funds, even after they appear to have arrived in the destination account Checks(Cheques - Séc):a printed form that you can write on and sign as a way of paying for something instead of using money Collateral (Tài sản đảm bảo):property or something valuable that you promise to give to somebody if you cannot pay back money that you borrow Common stock (Cổ phiếu thường): Common stock is a form of corporate equity ownership, a type of security.Common stock usually carries with it the right to vote on certain matters, such as electing the board of directors Congress (Quốc hội): the name of the group of people who are elected to make laws Credit bureau (Văn phòng tín dụng): is a company that collects information from various sources and provides consumer credit information on individual consumers for a variety of uses It is an organization providing information on individuals' borrowing and bill-paying habits Credit information such as a person’s previous loan performance is a powerful tool to predict his future behaviour Such credit information institutions reduce the effect of asymmetric Nguyễn Minh Quân - TCDN54F information between borrowers and lenders, and alleviate problems of adverse selection and moral hazard Credit report (Báo cáo tín dụng): A report contains information about your credit – and some bill repayment history – and the status of your credit accounts How often you make your payments on time How much credit you have How much credit you have available How much credit you are using Whether a debt or a bill collector is collecting on money you owe Credit score (Điểm tín dụng): A credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of that person A credit score is primarily based on credit report information typically sourced from credit bureaus Credit union (Liên minh tín dụng): A credit union is a memberowned financial cooperative, democratically controlled by its members, and operated for the purpose of promoting thrift, providing credit at competitive rates, and providing other financial services to its members Current account (Tài khoản vãng lãi): In economics, a country's current account is one of the two components of its balance of payments, the other being the capital account The current account consists of the balance of trade, net factor income (earnings on foreign investments minus payments made to foreign investors) and net cash transfers Custom duty (Thuế hải quan): A customs duty or due is the indirect tax levied on the import or export of goods in international trade In economic sense, a duty is also a kind of consumption tax A tariff, which is actually a list of commodities along with the levied rate (amount) of customs duty, is popularly referred to as a customs duty Deposit account (Tài khoản tiền gửi): A bank account that pays interest and is usually not able to be drawn on without notice or lossof interest Deposit insurance (Bảo hiểm tiền gửi):Explicit deposit insurance is a measure implemented in many countries to protect bank depositors, in full or in part, from losses caused by a bank's inability to pay its debts when due Nguyễn Minh Quân - TCDN54F Depository institution (Tổ chức tiền gửi): A depository institution is a financial institution that is legally allowed to accept monetary deposits from consumers Deregulation (Bãi bỏ quy định):Deregulation is the process of removing or reducing state regulations It is therefore opposite of regulation, which refers to the process of the government regulating certain activities Digital cash (E-Cash) (Tiền điện tử): Digital currency is a form of currency or medium of exchange that is electronically created and stored Like traditional money these currencies may be used to buy physical goods and services but could also be restricted to certain communities Direct debit (Ghi nợ trực tiếp): is a financial transaction in which one person withdraws funds from another person's bank account Direct deposit (Direct credit - Gửi tiền trực tiếp): is a banking term that describes a deposit of money by a payer directly into a payee's bank account The electronic transfer of money from one bank account to another Discount rate (Tỷ suất chiết khấu) Dividend (Cổ tức):A dividend is a payment made by a corporation to its shareholders, usually as a distribution of profits When a corporation earns a profit or surplus, it can either re-invest it in the business (called retained earnings), or it can distribute it to shareholders E-business (Kinh doanh điện tử): is the application of information and communication technologies in support of all the activities of business Commerce constitutes the exchange of products and services between businesses, groups and individuals and can be seen as one of the essential activities of any business E-commerce (Thương mại điện tử): is trading in products or services using computer networks, such as the Internet (Provide Etail or virtual storefront on websites with online catalogs, sometimes gathered into a "virtual mall" Buy or sell on websites or online marketplaces Gather and use demographic data through web contacts and social media Use Nguyễn Minh Quân - TCDN54F electronic data interchange, the business-to-business exchange of data Reach prospective and established customers by e-mail or fax Use business-to-business buying and selling Provide secure business transactions) Economic downturns (Recession - Suy thoái kinh tế): In economics, a recession is a business cycle contraction It is a general slowdown in economic activity.Macroeconomic indicators such as GDP (gross domestic product), investment spending, capacity utilization, household income, business profits, and inflation fall, while bankruptcies and the unemployment rate rise Electronic Banking (Online banking - Ngân hàng điện tử): Online banking is an electronic payment system that enables customers of a financial institution to conduct financial transactions on a website operated by the institution Electronic fund transfer (EFT - Chuyển tiền điện tử): Electronic funds transfer (EFT) is the electronic exchange, transfer of money from one account to another, either within a singlefinancial institution or across multiple institutions, through computer-based systems Electronic purse (Electronic money - Ví điện tử): Electronic money or emoney, in principle involves the use of computer networks and digital stored valuesystems to store and transmit money It may have official legal status or not Endowment mortgage (Khoản vay chấp có trợ cấp): An interestonly mortgage, with the capital repaid by an endownment Excise tax (Thuế tiêu thụ đặc biệt): is an inland tax on the sale, or production for sale, of specific goods or a tax on a good produced for sale, or sold, within a country or licenses for specific activities Externality (Ngoại ứng): In economics, anexternality is the cost or benefit that affects a party who did not choose to incur that cost or benefit Finance (Tài chính, tài trợ): Provide funding for a person or enterprise Financial institution (Tổ chức tài chính): a financial institution is an institution that provides financial services for its clients or members Nguyễn Minh Quân - TCDN54F Probably the greatest important financial service provided by financial institutions is acting as financial intermediaries Fiscal cliff (Vách đá tài khoá): The United States fiscal cliff was a situation that came into existence in January 2013 whereby a series of previously enacted laws would come into effect simultaneously, increasing taxes while decreasing spending Fiscal stimulus (Kích thích tài khoá): Fiscal stimulus refers to increasing government consumption or transfers or lowering taxes The stimulus will cause sufficient economic growth to fills that gap partially or completely Fraud and Identity Theft (Gian lận đánh cắp danh tính) Go public (IPO – Chào bán cho công chúng đầu tư): Become a public company.Before securities can trade on a securities market (stock exchange), they must be issued to the public A public issue of debt or equity can be sold directly to the public with the help of underwriters Income tax (Thuế thu nhập doanh nghiệp): An income tax is a government levy (tax) imposed on individuals or entities (taxpayers) that varies with the income or profits (taxable income) of the taxpayer Individual retirement account (Tài khoản hưu trí cá nhân) Initial public offering (IPO) (Phát hành cổ phiếu lần đầu công chúng): is a type of public offering in which shares of stock in a company usually are sold to institutional investorsthat in turn sell to the general public, on a securities exchange, for the first time Through this process, a private company transforms into a public company Initial public offerings are used by companies to raise expansion capital, to possibly monetize the investments of early private investors, and to become publicly traded enterprises Insolvency proceedings (Phá sản): Unable to pay debts owed Interbank rate (Overnight rate - Lãi suất liên ngân hàng/Lãi suất cho vay qua đêm): The interbank rate is the rate of interest charged on shortterm loans between banks Banks borrow and lend money in the interbank Nguyễn Minh Quân - TCDN54F lending market in order to manage liquidity and satisfy regulations such as reserve requirements Interest-bearing demand deposit (Tiền gửi tính lãi) Interest-rate cap (Trần lãi suất): An interest rate cap is the maximum (lending or borrowing) interest rate set by, for example, the State Bank of Vietnam in certain period of time to implement their monetary policy Investment bank (Ngân hàng đầu tư): An investment bank is a financial institution that assists individuals, corporations, and governments in raising financial capital byunderwriting or acting as the client's agent in the issuance of securities (or both) Maturity (Đáo hạn): Maturity date refers to the final payment date of a loan or other financial instrument, at which point the principal (and all remaining interest) is due to be paid Merchant bank (Ngân hàng thương mại): A merchant bank is a financial institution that provides capital to companies in the form of share ownership instead of loans A merchant bank also provides advisory on corporate matters to the firms they lend to Mergers and acquisition (M&A) (Thâu tóm sáp nhập): the buying, selling, dividing and combining of different companies and similar entities that can help an enterprise grow rapidly in its sector or location of origin, or a new field or new location, without creating a subsidiary, other child entity or using a joint venture Monetary aggregates (Money supply – Cung ứng tiền tệ): is the total amount of monetary assets available in an economy at a specific time Monetary base (Tiền sở M0): is defined as the portion of the commercial banks' reserves that are maintained in accounts with their central bank plus the total currency circulating in the public (which includes the currency, also known as vault cash, that is physically held in the banks' vault) Monetary policy (Chính sách tiền tệ):Monetary policy is the process by which the monetary authority of a country controls the supply of money, often targeting a rate of interest for the purpose of Nguyễn Minh Quân - TCDN54F promoting economic growth and stability The official goals usually include relatively stable prices and low unemployment Monetary economics provides insight into how to craft optimal monetary policy Money judgment Money laundering (Rửa tiền): The concealment of the origins of illegally obtained money, typically by means of transfersinvolving foreign banks or legitimate businesses Money supply (Cung tiền): is the total amount of monetary assets available in an economy at a specific time Mortgage loan (Khoản cho vay chấp): is used by purchasers of real property to raise money to buy the property to be purchased or by existing property owners to raise funds for any purpose The loan is "secured" on the borrower's property Mutual fund (Quỹ tương hỗ): An investment programme funded by shareholders that trades in diversified holdings and is professionally managed Non interest-bearing demand deposit (Tiền gửi không tính lãi) Non-transaction deposit (Tiền gửi không nhằm mục đích giao dịch) Offset mortgage (Khoản vay chấp bù trừ tài khoản): Your current and mortgage accounts are combined to reduce the interest Open market operation (Nghiệp vụ thị trường mở):An open market operation (also known as OMO) is an activity by a central bank to buy or sell government bonds on the open market A central bank uses them as the primary means of implementing monetary policy Outstanding loan (Dư nợ cho vay): The portion of a loan that has yet to be repaid Creditors sometimes use the term “outstanding balance” to describe the part of a loan that still needs to be repaid Overdraft (Thấu chi): An overdraft occurs when money is withdrawn from a bank account and the available balance goes below zero In this situation the account is said to be "overdrawn" If there is a prior agreement Nguyễn Minh Quân - TCDN54F with the account provider for an overdraft, and the amount overdrawn is within the authorized overdraft limit, then interest is normally charged at the agreed rate If the negative balance exceeds the agreed terms, then additional fees may be charged and higher interest rates may apply Pay off (Thanh toán hết) Pay-out ratio (Tỷ lệ chi trả cổ tức) Payroll tax (Thuế thu nhập cá nhân): Payroll taxes are taxes imposed on employers or employees, and are usually calculated as a percentage of the salaries that employers pay their staff Payroll taxes generally fall into two categories: deductions from an employee’s wages, and taxes paid by the employer based on the employee's wages Preferential loan (Cho vay ưu đãi): A loan, in respect of which no interest is payable or interest is payable at a preferential rate, made directly or indirectly to an individual or an institution by a credit institution Preferred Stock (Cổ phiếu ưu đãi): Preferred stock is a special class of shares which may have any combination of features not possessed by common stock The following features are usually associated with preferred stock Preference in dividends, Preference in assets, in the event of liquidation, Convertibility to common stock, Callability at the option of the corporation, Nonvoting Public goods (Hàng hoá công cộng): a public good is a good that is both non-excludable and non-rivalrous in that individuals cannot be effectively excluded from use and where use by one individual does not reduce availability to others Public goods include fresh air, knowledge, lighthouses, national security, flood control systems and street lighting Public goods that are available everywhere are sometimes referred to as global public goods Reserve ratio (Tỷ lệ dự trữ): The required reserve ratio is sometimes used as a tool in monetary policy, influencing the country's borrowing and interest rates by changing the amount of funds available for banks to make loans with Nguyễn Minh Quân - TCDN54F Reserve requirements (Dự trữ bắt buộc): is a central bank regulation employed by most, but not all, of the world's central banks, that sets the minimum fraction of customer deposits and notes that each commercial bank must hold as reserves (rather than lend out) These required reserves are normally in the form of cash stored physically in a bank vault (vault cash) or deposits made with a central bank Residual value (Giá trị lại): The remaining value of assets after they have been fully paid off debts when a firm sells its assets Retail bank (Ngân hàng bán lẻ): Retail banking is when a bank executes transactions directly with consumers, rather than corporations or other banks Services offered include savings and transactional accounts, mortgages, personal loans, debit cards, and credit cards Retained earnings (Lợi nhuận giữ lại): retained earnings refers to the portion of net income of a corporation that is retained by the corporation rather than distributed to shareholders asdividends Similarly, if the corporation incurs a loss, then that loss reduces the corporation's retained earnings balance Retirement savings deposit (Tiền gửi tiết kiệm hưu trí) Revenue out-turn Sales tax (Thuế doanh thu – Thuế VAT): A sales tax is a tax paid to a governing body for the sales of certain goods and services Usually laws allow (or require) the seller to collect funds for the tax from the consumer at the point of purchase Saving account (Tài khoản tiết kiệm): Saving accounts are accounts maintained by retail financial institutions that pay interest but cannot be used directly as money in the narrow sense of a medium of exchange (for example, by writing a cheque) These accounts let customers set aside a portion of their liquid assets while earning a monetary return Saving deposit (Tiền gửi tiết kiệm) Savings and loan association (S&L) (Tổ chức tiết kiệm cho vay): A savings and loan association (or S&L), also known as a thrift, is 10 Nguyễn Minh Quân - TCDN54F a financial institution that specializes in accepting savings deposits and making mortgage and other loans Security token (Thẻ bảo mật): may be a physical device that an authorized user of computer services is given to ease authentication Security tokens are used to prove one's identity electronically (as in the case of a customer trying to access their bank account) The token is used in addition to or in place of a password to prove that the customer is who they claim to be The token acts like an electronic key to access something Share account Share split (Chia tách cổ phiếu) Smart card (Thẻ thông minh): Smart cards can provide identification, authentication, data storage and application processing.[2] Smart cards may provide strong security authentication for single sign-on within large organizations Social security (An sinh xã hội): Social security may refer to social insurance, where people receive benefits or services in recognition of contributions to an insurance program These services typically include provision for retirement pensions, disability insurance, survivor benefits and unemployment insurance services provided by government or designated agencies responsible for social security provision In different countries, that may include medical care, financial support during unemployment, sickness, or retirement, health and safety at work, aspects of social work and even industrial relations basic security irrespective of participation in specific insurance programs where eligibility may otherwise be an issue For instance, assistance given to newly arrived refugees for basic necessities such as food, clothing, housing, education, money, and medical care Spillover effects (Tác động lan toả): In economics, spillover effects are economic events in one context that occur because of something else in a seemingly unrelated context Standard accounting practices (Thông lệ kế toán chuẩn): Standard accounting practices require publicly traded companies to follow certain accounting rules when presentingfinancial statements so that the readers of 11 Nguyễn Minh Quân - TCDN54F the statements can easily compare different companies Private companies are also often required by banks and shareholders, for example, to present information according to their specified rules Standing orders (Uỷ nhiệm chi): A standing order (or a standing instruction) is an instruction a bank account holder ("the payer") gives to his or her bank to pay a set amount at regular intervals to another's ("the payee's") account Statement of account (Báo cáo tài khoản): A bank statement or account statement is a summary of financial transactions which have occurred over a given period on a bank account held by a person or business with a financial institution Statute (Đạo luật): A written law passed by a legislative body Store card (Thẻ lưu trữ): A type of credit cards but you are restricted to using them in certain shops or stores Structural reforms (Cải cách cấu) Takeover bid (Chào mua): In business, a takeover is the purchase of one company (the target) by another (the acquirer, or bidder) The term refers to the acquisition of a public company whose shares are listed on a stock exchange, in contrast to the acquisition of a private company Tariff (Thuế quan)A tariff is a tax on imports or exports (an international trade tariff), or a list of prices for such things as rail service, bus routes, and electrical usage (electrical tariff, etc.) Tax resident (Cá nhân cư trú chịu thuế) Tax-deduction (Khấu trừ thuế):Tax deduction is a reduction of the income subject to tax, for various items, especially expenses incurred to produce income Taxpayer (Người nộp thuế): A taxpayer is a person or organization (such as a company) subject to a tax on income Taxpayers have an Identification Number, a reference number issued by a government to its citizens Thrift deposit (Tiền gửi tiết kiệm) 12 Nguyễn Minh Quân - TCDN54F Transaction deposit (Tiền gửi giao dịch) : can be used directly as cash without withdrawal limits or restrictions They are the only bank deposits that require the bank to keep reserves at the central bank Value-added tax (VAT - Thuế giá trị gia tăng): is a form of consumption tax From the perspective of the buyer, it is a tax on the purchase price From that of the seller, it is a tax only on the value added to a product, material, or service, from an accounting point of view, by this stage of its manufacture or distribution The manufacturer remits to the government the difference between these two amounts, and retains the rest for themselves to offset the taxes they had previously paid on the inputs Virtual bank (Direct bank - Ngân hàng ảo): A direct bank is a bank without any branch network that offers its services remotely via online banking and telephone banking and may also provide access via ATMs (often through interbank network alliances), mail and mobile Wholesale bank (Ngân hàng bán buôn): Wholesale banking is the provision of services by banks to organisations such as Mortgage Brokers, large corporate clients, mid-sized companies, real estate developers and investors, international trade finance businesses, institutional customers (such as pension funds and government entities/agencies), and services offered to other banks or other financial institutions World Savings Day Yield curve (Đường cong lãi suất): the yield curve is a curve showing several yields or interest rates across different contract lengths (2 month, year, 20 year, etc ) for a similar debt contract The curve shows the relation between the (level of) interest rate (or cost of borrowing) and the time to maturity, known as the "term", of the debt for a given borrower in a given currency II Specialized vocabularies Amortization (Khấu hao tài sản vô hình) Asset (Tài sản) Asset-backed security (Chứng khoán đảm bảo tài sản) ATM (Automated teller machine) Audited (Kiểm toán) 13 Nguyễn Minh Quân - TCDN54F Banker’s acceptance (Chấp phiếu ngân hàng) Bills of exchange, Draft (Hối phiếu) Bond (Trái phiếu) Bondholder (Trái chủ) Break-even (Hoà vốn) Capital market (Thị trường vốn) Cash flow (Dòng tiền) Certificates of deposit (Chứng tiền gửi) Commercial bank (Ngân hàng thương mại) Commercial paper (Thương phiếu) Corporation (Doanh nghiệp) Cost-savings Debt (Nợ) Deficit, Shortfall (Thâm hụt) Depreciation (Khấu hao tài sản hữu hình) Derivative (Phái sinh) Federal fund Financial market (Thị trường tài chính) Fixed asset (Tài sản cố định) Fixed rate mortgage: The mortgage interest stays the same Interest-only mortgage: You pay the interest in instalments, and you pay the capital sum by another method Joint venture (Liên doanh) Liability (Nợ) Liquidity (Tính khoản) Loan (Khoản cho vay) Money market (Thị trường tiền tệ) Monopoly (Độc quyền) Mortgage (Vay chấp) Multi-factor authentication systems (Hệ thống xác thực đa yếu tố) OTC (Over the counter) (Sàn giao dịch phi tập trung) Overhead (Chi phí hoạt động) Partnership (Hợp danh) PIN (Personal Identification Number) POS (Point of sale) device Primary market (Thị trường sơ cấp) Promissory Note (Kỳ phiếu) Recoup (Bồi thường) Repayment mortgage: You pay the capital sum and the interest Repurchase agreement (Hợp đồng mua lại) Secondary market (Thị trường thứ cấp) 14 Nguyễn Minh Quân - TCDN54F Security, Stock (Chứng khoán) Shareholder (Cổ đông) Short-lived mortgages Single-factor authentication systems (Hệ thống xác thực đơn yếu tố) Stock (Cổ phiếu) Stock Exchange (Sở giao dịch Chứng khoán) Surplus (Thặng dư) Treasury bill (Tín phiếu kho bạc) Variable rate mortgage: The mortgage lender can change the interest rate as they wish Withdrawal (Rút tiền) Working capital (Vốn lưu động) 15 [...]... Depreciation (Khấu hao tài sản hữu h nh) Derivative (Phái sinh) Federal fund Financial market (Thị trường tài ch nh) Fixed asset (Tài sản cố đ nh) Fixed rate mortgage: The mortgage interest stays the same Interest-only mortgage: You pay the interest in instalments, and you pay the capital sum by another method Joint venture (Liên doanh) Liability (Nợ) Liquidity (T nh thanh khoản) Loan (Khoản cho vay) Money... Audited (Kiểm toán) 13 Nguyễn Minh Quân - TCDN54F Banker’s acceptance (Chấp phiếu ngân hàng) Bills of exchange, Draft (Hối phiếu) Bond (Trái phiếu) Bondholder (Trái chủ) Break-even (Hoà vốn) Capital market (Thị trường vốn) Cash flow (Dòng tiền) Certificates of deposit (Chứng chỉ tiền gửi) Commercial bank (Ngân hàng thương mại) Commercial paper (Thương phiếu) Corporation (Doanh nghiệp) Cost-savings Debt... accounting rules when presentingfinancial statements so that the readers of 11 Nguyễn Minh Quân - TCDN54F the statements can easily compare different companies Private companies are also often required by banks and shareholders, for example, to present information according to their specified rules Standing orders (Uỷ nhiệm chi): A standing order (or a standing instruction) is an instruction a bank account... vay) Money market (Thị trường tiền tệ) Monopoly (Độc quyền) Mortgage (Vay thế chấp) Multi-factor authentication systems (Hệ thống xác thực đa yếu tố) OTC (Over the counter) (Sàn giao dịch phi tập trung) Overhead (Chi phí hoạt động) Partnership (Hợp danh) PIN (Personal Identification Number) POS (Point of sale) device Primary market (Thị trường sơ cấp) Promissory Note (Kỳ phiếu) Recoup (Bồi thường) Repayment... organization (such as a company) subject to a tax on income Taxpayers have an Identification Number, a reference number issued by a government to its citizens Thrift deposit (Tiền gửi tiết kiệm) 12 Nguyễn Minh Quân - TCDN54F Transaction deposit (Tiền gửi giao dịch) : can be used directly as cash without withdrawal limits or restrictions They are the only bank deposits that require the bank to keep reserves at... across different contract lengths (2 month, 2 year, 20 year, etc ) for a similar debt contract The curve shows the relation between the (level of) interest rate (or cost of borrowing) and the time to maturity, known as the "term", of the debt for a given borrower in a given currency II Specialized vocabularies Amortization (Khấu hao tài sản vô h nh) Asset (Tài sản) Asset-backed security (Chứng khoán được... access something Share account Share split (Chia tách cổ phiếu) Smart card (Thẻ thông minh): Smart cards can provide identification, authentication, data storage and application processing.[2] Smart cards may provide strong security authentication for single sign-on within large organizations Social security (An sinh xã hội): Social security may refer to social insurance, where people receive benefits...Nguyễn Minh Quân - TCDN54F a financial institution that specializes in accepting savings deposits and making mortgage and other loans Security token (Thẻ bảo mật): may be a physical device that an authorized user of... (Thuế quan)A tariff is a tax on imports or exports (an international trade tariff), or a list of prices for such things as rail service, bus routes, and electrical usage (electrical tariff, etc.) Tax resident (Cá nh n cư trú chịu thuế) Tax-deduction (Khấu trừ thuế):Tax deduction is a reduction of the income subject to tax, for various items, especially expenses incurred to produce income Taxpayer (Người... Promissory Note (Kỳ phiếu) Recoup (Bồi thường) Repayment mortgage: You pay the capital sum and the interest Repurchase agreement (Hợp đồng mua lại) Secondary market (Thị trường thứ cấp) 14 Nguyễn Minh Quân - TCDN54F Security, Stock (Chứng khoán) Shareholder (Cổ đông) Short-lived mortgages Single-factor authentication systems (Hệ thống xác thực đơn yếu tố) Stock (Cổ phiếu) Stock Exchange (Sở giao dịch