Translation of the Banking Terms from English into Ukrainian
Transcript of Translation of the Banking Terms from English into Ukrainian
MINISTRY OF EDUCATION, SCIENCE, YOUTH AND SPORTS OF
UKRAINE
LVIV POLYTECHNIC NATIONAL UNIVERSITY
INSTITUTE OF COMPUTER SCIENCES AND INFORMATION
TECHNOLOGIES
Department
of Applied Linguistics
Course paper in Theory and Practice of Translation
Translation of the Banking Terms from English into
Ukrainian
Presented by:
the student of gr. AL-43
Bychyk K.I.
Supervised by:
Bordiuk L.V.
Lviv 2013
Table of contents
Introduction..............................................
..........................................................
..............2
1. Theoretical
part......................................................
..................................................4
1.1 Specialization in
translation...............................................
................41.2 Types of
translation...............................................
.............................5
1
1.3 Ways of
translation...............................................
.............................7
1.4 Banking terms
Translating...............................................
..................8
2. Practical part…...…………………………………………………………….........9
2.1 Bank staff...…..………………………………………….......
……...9
2.2 Bank services…...…………………..………...
……………….......10
2.3 Bank
accounts..................................................
................................12
2.4 Other banking terms…………...
……………………………….....13
2.5 Banking collocations….
………………………………………......20
Conclusions………...
……………………………………............................................
.21
References………...……………………………...…………………………................22
2
Introduction
The theme of course paper is ‘‘Translation of the
Banking Terms from English into Ukrainian ’’. It is
devoted to a complex comparison of translation various
types of banking terms and different ways of their
translation. It considers the functions of banking terms
in both languages as well.
The aim of the present research is to use different
types and ways of translation, find similarities and
differences translation, analyze difficulties in
translation in English and Ukrainian languages. In other
words, to discover some common and different features in
3
translation of English and Ukrainian banking terms,
activities and bank service. As well differentiate the
grammatical aspects of those terms.
The object of the research is variety of banking
terms, that are translated from English into Ukrainian. It
will help to clearly understand banking terms translation
which plays leading role while processing translation.
The subject of research is a the contrastive
description banking terms in English and Ukrainian.
The theoretical basis for the paper is the works by
Bhatia, N., Cohen, J.M., Kasparek, C., Wilson, A.,
Hutchins, W., Benjamins, J., Snell-Hornby, M., Bassnett,
S.
The theoretical value of the research is in the
elaboration of certain aspects of typology of the lexical
systems of the English and Ukrainian languages.
The practical value is in the possibility to apply
its results in special courses of Contrastive Lexicology
and Typology of the English and Ukrainian languages and in
Theory and Practice of Translation from English to
Ukrainian.
Banking terms play an important role in life of any
human from any country of the world. It is a very
important thing for all of us. We can use them almost
4
everywhere, when making transactions, using a cash
machine, going to the bank, speaking with managers or
financial advisers.
The structure of this course paper is:
1. Introduction.
2. Theoretical part which includes the information
about the theory of translation itself, the information
about ways of translating and one of the subject area of
translation - banking;
3. Practical part which contains the examples of
translation of the variety of common banking terms in
accordance to its surrounding. This part in its turn is
subdivided in accordance with different subfields of the
subject area: bank staff, bank services, bank accounts,
another banking terms and banking collocations;
4. Conclusion;
5. References.
5
1. Theoretical part
1.1 Specialization in translation
Each industry utilizes specific terminology and
nomenclature critical to conducting its everyday
activities. Whether it is legal, financial or software-
related content, using the correct industry-specific
terminology is vital to conveying the correct meaning in
any translation.
Each of our professional translators specializes in a
chosen language translation services field [9].
6
Specialization has been a part of translation for a
long time, but in the 21st century it’s taking on new
importance. There are two key reasons for this. First,
there is simply more knowledge than ever before, and in
some cases this requires finer gradations of
specialization. Optics and dentistry might fall under the
broad umbrella of health sciences, but each has its own
specialized vocabulary that must be learned and understood
in order for proper translation to take place.
Second, competition is fiercer than ever before.
Especially for translators who are working in common
languages, it’s important for them to set themselves
apart, and specialization is one key way to do this. Being
specialized means more efficient translation, knowing
where to go to do the research when it is needed, and a
familiarity and comfort with the material that is being
translated. Specialization does not mean becoming
confined, however. It is possible to specialize in a
number of areas.
Specialization doesn’t just benefit translators. For
consumers of translation services, being aware of the
importance of specialization can help them to choose the
right translation service for their project [13].
7
1. 2 Types of translation
Computer Translation – refers to translations of
anything to do with computers such as software,
instructions and help files.
Financial Translation – for financial based
industries, financial translation is the translation of
text of a financial nature like banking, stocks,
commodities, and investment funds.
General Translation – general translations are less
complicated and the language used is not high level
(sometimes called layman’s terms). In general translation,
there is no specific or technical terminology used.
Although these are simpler, they typically are still not
suitable for using a free translation tool.
Legal Translation – legal translations require highly
trained translators as it involves the translation of
legal documents such as statutes, contracts and treaties.
Not only does the translator need expertise in the
translating language, but also they need a legal
understanding and an excellent understanding of both the
source and target cultures.
Literary Translation – a literary translation is the
translation of novels, poems, and plays. A literary
translator must be capable of also translating feelings,
8
cultural nuances, humor and other subtle elements of the
literary work.
Medical Translation – medical translations are also
highly complex and will involve translating medical
packaging, textbooks, medical equipment manuals and drug
labeling. Specialization is necessary [13; 15].
1.3 Ways of translation
Equivalence. Dynamic and formal equivalence
The question of fidelity vs. transparency has also
been formulated in terms of, respectively, "formal
equivalence" and "dynamic [or functional] equivalence".
The latter expressions are associated with the translator
Eugene Nida [10] and were originally coined to describe
ways of translating the Bible, but the two approaches are
applicable to any translation.
"Formal equivalence" corresponds to "metaphrase", and
"dynamic equivalence" to "paraphrase". [9; 16]
"Dynamic equivalence" (or "functional equivalence")
conveys the essential thought expressed in a source text —
if necessary, at the expense of literality, original
sememe and word order, the source text's active vs.
passive voice, etc.
9
By contrast, "formal equivalence" (sought via
"literal" translation) attempts to render the text
literally, or "word for word" (the latter expression being
itself a word-for-word rendering of the classical Latin
verbum pro verbo) — if necessary, at the expense of
features natural to the target language. [9; 17 – 18]
There is, however, no sharp boundary between
functional and formal equivalence. On the contrary, they
represent a spectrum of translation approaches. Each is
used at various times and in various contexts by the same
translator, and at various points within the same text —
sometimes simultaneously. Competent translation entails
the judicious blending of functional and formal
equivalents.
Common pitfalls in translation, especially when
practiced by inexperienced translators, involve false
equivalents such as "false friends" and false cognates.
[3; 84]
Back-translation.A "back-translation" is a
translation of a translated text back into the language of
the original text, made without reference to the original
text.
Comparison of a back-translation with the original
text is sometimes used as a check on the accuracy of the
10
original translation, much as the accuracy of a
mathematical operation is sometimes checked by reversing
the operation. But while useful as approximate checks, the
results of such reverse operations are not always
precisely reliable. Back-translation must in general be
less accurate than back-calculation because linguistic
symbols (words) are often ambiguous, whereas mathematical
symbols are intentionally unequivocal.
In the context of machine translation, a back-
translation is also called a "round-trip translation."
When translations are produced of material used in
medical clinical trials, such as informed-consent forms, a
back-translation is often required by the ethics committee
or institutional review board.[3; 85]
Partial equivalence. When the parameters for all items
in the measurement model are equal across groups, we speak
of full measurement equivalence. However, Byrne et al.
(1989) have argued that full equivalence is not a
necessary condition for comparisons to be valid. If at
least two items per latent variable (namely, the item that
is fixed at unity to identify the model and one other
item) are equivalent, comparisons can be validly made
across countries and time points. Thus, partial
equivalence does not necessarily require the invariance of
11
all loadings and intercepts. This idea is also supported
by Steenkamp and Baumgartner (1998).
In this study, we want to study the evolution of anti-
immigration attitudes in 17 different European countries.
This boils down to comparing the means of the latent
variable over the 51 groups. Before such comparisons can
be made in a valid way, we need to test whether the scale
possesses the characteristic of partial scalar
equivalence. In other words, we need to assess whether,
for at least two out of three items, factor loadings and
indicator intercepts are equal across groups.
In practice, the different levels of measurement
equivalence can be tested by fitting various, increasingly
restrictive multi-group models. The first model will have
the same factor structure across groups, but with no
constraints on the parameters. In other words, factor
loadings and intercepts can vary across countries (=
configural equivalence). In a second model, we will
constrain the factor loadings to be equal across groups (=
metric equivalence). The third model will, besides
loadings, also have equal intercepts across groups (=
scalar equivalence). The level of measurement equivalence
can then be determined by judging the fit of these various
models. In addition, we will look at modification indices
12
(cf. infra) to determine the sources of possible misfit.
[3; 86 – 87]
Explanation. This article includes a list of
references, related reading or external links, but its
sources remain unclear because it lacks inline citations.
Please improve this article by introducing more precise
citations.
An explanation is a set of statements constructed to
describe a set of facts which clarifies the causes,
context, and consequences of those facts.
This description may establish rules or laws, and may
clarify the existing ones in relation to any objects, or
phenomena examined. The components of an explanation can
be implicit, and be interwoven with one another. An
explanation is often underpinned by an understanding that
is represented by different media such as music, text, and
graphics. Thus, an explanation is subjected to
interpretation, and discussion.
In scientific research, explanation is one of the
purposes of research, e.g., exploration and description.
Explanation is a way to uncover new knowledge, and to
report relationships among different aspects of studied
phenomena. Explanations have varied explanatory power.
[5;23]
13
1.4 Banking terms Translating
The banking translation may include translation of
various strategy documents required to be followed by the
employees of banks with global presence. The translation
of documents like acquisitions, mergers and mortgage loans
require that the translation process take several legal
aspects in mind. The translator working in such a special
case needs to know the legal practices in the respective
target locations as every country has its own banking laws
and it could be lead to severe ambiguity if the translator
doesn’t have proper knowledge of the laws.
Information such as foreign exchange or securities
have to be provided to the head offices of the banks on
daily basis. This makes its necessary that this
information gets translated to target language with in
short period as the turn around time is few hours. Also
this type of banking translation is a routine work so the
translator has to maintain the routine. Though the
advantage of such translation work is that the translator
gets regular steady source of income. The other banking
translations include the localization of the information
for ATM’s and information kiosk.
14
The translation of monthly reports of the management
information system is the other main responsibility of a
translator providing banking translation. The monthly
reports of the banks needs to be send to the principle
offices that makes it necessary for the translator to
render it to a language that is acceptable by the
principle office location. Generally in such type of
translation work the translator has to take care of the
spaces and notations of the languages involved. For e.g.
the spaces and notations in the Chinese language or
Japanese language is very different and the conversion of
documents to or from this languages to say English has to
be done with great care to avoid any type of irrelevant
output.
But all said and done the banking translation is a
promising field for professionals with banking knowledge
who also posses good multilingual skills.[10;12]
2. Practical part
In practical part is used a lot of specialized
dictionaries as The Free Dictionary by Farlex, Longman
dictionary of Contemporary English, Загородній А.Г.
Банківська справа: термінологічний словник, Загородній15
А.Г., Сліпушко О.М., Вознюк Г.Л., Смовженко Т.С. Словник
банківських термінів. Банківська справа: Термінологічний
словник, Стельмах В.С. Енциклопедія Банківської справи
України.
2.1 Bank staff
Working with banking terms translation, I found some
names of professional jobs and defined their types of
translation.
Term Translation Types of
translationbank cashier
(teller US)
касир Word omission
branch manager начальник
відділення
Word – for - word
district manager регіональний
менеджер банку
Word adding
financial adviser фінансовий
консультант
Word – for - word
loan adviser кредитний
консультант
Word – for - word
personal banker менеджер з
обслуговування
Word adding
16
фізичних осібbank clerk службовець банку Word – for - wordbank officer [11;
63]
працівник банку Word – for - word
Table 1. Bank staff
2.2 Bank services
In part 2.2 I translated bank services from English
into Ukraine and defined their types of translation.
Term Translation Types of
translationАccount Кредитна лінія Word addingBank card Банківська карта Changing the word
from one part of a
language into
anotherBank loan Банківський кредит Changing the word
from one part of a
language into
anotherCredit line Кредитна лінія Word – for - word
17
Car loan Автомобіль в
кредит
Paraphrasing
Debt Заборгованість Word – for - wordDirect debit Прямий дебет Word – for - wordDirect deposit Прямий депозит Word – for - wordForeign currency Іноземна валюта Word – for - wordInternet/online
banking
Он-лайн банкінг Word – for - word
Investment advice Інвестуючий
консалтинг
Changing the word
from one part of a
language into
anotherLoan Позика Word – for - wordMortgage Іпотека Word – for - wordPrepaid credit
card
Передоплата
кредитною карткою
Word – for - word
Payment services Оплата послуг Changing the word
from one part of a
language into
anotherRetail card Банківська картка Changing the word
from one part of a
language into
anotherRetail banking Банківські послуги Word adding
18
для фізичних осібSafe – deposit box Банківська ячейка Word omissionStanding order (
recurring – bill
payment US )
Довготривале
платіжне доручення
Word omission
( Tele )phone
banking
Телефонний банкінг Word – for - word
Traveller`s cheque
( traveller`s
check US)
Дорожній чек Word – for - word
Transferring money Переказ коштів Word – for - worddead-cat bounce оманлива тимчасова
стабілізація цін
на акції на
біржовому ринку,
де зазвичай рівень
цін досить низький
Word adding
Dutch bargain угода, в
результаті якої
усі привілеї
отримує лише одна
сторона
Word adding
silver wheelchair велика сума Word adding
19
грошей, яку
виділяють члену
вищого
керівництва
компанії як
компенсацію за
втрату посади (в
результаті
поглинання її
більшою компанією)
Windfall Випадковий
прибуток
Changing the word
from one part of a
language into
anotherGo a bear Грати на зниження Changing the word
from one part of a
language into
anotherGo a bull Грати на
підвищення
Changing the word
from one part of a
language into
anotherGreenmail Викуп акцій у
загарбника
Word adding
20
компаніїunderlying
accounting data
[12]
Дані, що лежать в
основі обліку
Word adding
Table 2. Bank services
2.3 Bank accounts
This part includes suitable accounts in both languages
and defined their types of translation.
Term Translation Types of
translationTransactional
account
трансакційний
рахунок
Word – for - word
Deposit account депозитний
рахунок
Word – for - word
Current account поточний рахунок Word – for - wordPersonal account особистий рахунок Word – for - wordTransaction
deposit
трансакційний
депозит
Word – for - word
21
Savings Account ощадний рахунок Word – for - wordIndividual
Savings Account
Індивідуальний
ощадний рахунок
Word – for - word
Time deposit /
certificate of
deposit
тимчасовий
депозит /
депозитний
сертифікат
Changing the word
from one part of
a language into
another
Tax-Exempt
Special Savings
Account
податок на
спеціальний
накопичувальний
рахунок
Word – for - word
Tax-Free Savings
Account
плата за ощадний
рахунок
Word – for - word
Money market
account
[9; 19 - 20]
грошовий ринок
рахунку
Word – for - word
Table 3 Bank accounts
2.4 Other banking terms
22
This part is dedicated to UK and US terms. Here are
some common terms, meanings, their translation and defined
their types of translation.
Term Meanings Translation Types of
translationadjusted
balance
Money deposited
with a financial
institution for
investment and/or
safekeeping
purposes.
скореговани
й баланс
Word – for -
word
annual
fee
A yearly fee
charged to a
customer to
participate in an
open-ended credit
program.
річний
внесок
Word – for -
word
annual
percenta
ge rate
(APR)
The cost of
credit expressed
as a yearly rate.
APR is a
percentage that
results from an
Річна
процентна
ставка
Word – for -
word
23
equation
considering the
amount financed,
the finance
charges, and the
term of the loan.assets Items of monetary
value (e.g.,
house, land,
car), owned by an
individual or a
company.
активи Word – for -
word
authoriz
ed user
A person who has
been given
permission to
make changes to a
credit account.
This status must
be given by the
primary account
user. An
authorized user
is not legally
responsible for
Зареєстрова
ний
користувач
Word – for -
word
24
repaying the
account.average
daily
balance
The balance that
results from
adding together
all the daily
balances of a
credit account in
the billing cycle
and dividing by
the number of
days in the
billing cycle.
This balance is
often used to
calculate finance
charges.
Середньоден
ний залишок
Word – for -
word
balance
transfer
Repayment of one
credit debt with
another credit
source.
Переказ
балансу
Word – for -
word
balance
transfer
fee
The fee charged
to transfer
balances between
Плата за
переказ
балансу
Word – for -
word
25
two credit
sources. This fee
is often a
percentage of the
amount
transferred.billing
cycle
The period of
time that a
credit statement
covers.
платіжний
цикл
Word – for -
word
canceled
check
A "used" check
that has been
paid and
subtracted from
the check-
writer's account.
Canceled checks
have extra data
on them from the
bank. They are
анульований
чек
Word – for -
word
usually mailed
to the writer
each month with
the statement,
26
although many
banks keep
records that are
available upon
request. Canceled
checks are
excellent
receipts that
should be kept
for reference and
tax purposes.cardhold
er
agreemen
t
The written
statement that
defines and
explains all
legal terms for a
credit card
agreement. It
includes payment
terms, billing
dispute
procedures and
communications
guidelines, among
Угода
власника
картки
27
other items.cash
advance
fee
A fee assessed
when a card
holder uses a
credit card to
obtain cash.
These fees are
often charged as
a percentage of
the cash
obtained.
Плата
готівкою
word omission
cashier'
s check
A check issued by
a bank, drawn on
its own funds
rather than on
one of its
depositor's
funds.
банківський
чек
Word – for -
word
compound
interest
Interest
calculated not
only on the
original
principal, but
also on the
Високі
відсотки
Word – for -
word
28
interest already
accrued.co-
signer
he person who
signs on a credit
agreement in
addition to the
primary
applicant. This
person is legally
responsible for
repayment of the
debt.
поручитель Word – for -
word
credit
bureau
An agency that
checks credit
information and
keeps a complete
file on people
who apply for and
use credit.
Кредитне
бюро
Changing the
word from one
part of a
language into
another
credit
card
A plastic card
that gives access
to a line of
credit. Users are
Кредитна
картка
Word – for -
word
29
limited in how
much they can
charge, but they
are not required
to repay the full
amount each
month. Instead
the balance (or
"revolve")
accrues interest
with only a
minimum payment
due.credit
limit
The maximum
amount of money a
borrower can
access in a
credit account.
Кредитний
ліміт
Word – for -
word
credit
rating
A financial
institution's
evaluation of
whether a person
is suitable to
receive credit.
Кредитний
рейтинг
Word – for -
word
30
Credit ratings
are based on an
individual's
character,
capacity to
repay, and
capital.credit
insuranc
e
A coverage that
pays credit card
debt in the event
of death,
disability or
loss of
employment.
страхування
кредитів
Word – for -
word
federal
reserve
system
A governmental
agency
established by
Congress to
organize and
regulate banking
throughout the
United States.
The twelve
reserve banks
Федеральна
резервна
система
Word – for -
word
31
keep paper and
currency reserves
for affiliated
banks.fixed
rate
An interest rate
that does not
vary over time.
фіксована
ставка
Word – for -
word
grace
period
The length of
time between the
use of credit to
make a purchase
and the start of
interest on the
amount charged.
Пільговий
період
Word – for -
word
guaranto
r
A person who is
financially
responsible for
the repayment of
a credit account
but has no use
privileges.
гарант Word – for -
word
joint
account
A savings or
checking account
established in
the names of more
загальний
рахунок
Word – for -
word
32
than one person
(e.g.,
parent/child,
wife/husband).late
payment
fee
A fee charged to
a consumer if his
or her monthly
payment is made
after the due
date stated on
the billing
statement.
пеня за
простроченн
я платежу
Word – for -
word
personal
identifi
cation
number
A code that
provides security
for consumers at
an ATM.
персональни
й
ідентифікац
ійний номер
Word – for -
word
point of
sale
The store or
other location
where a
transaction takes
place.
точки
продажів
Word – for -
word
prime
rate
An index rate
that is used to
determine the APR
основна
ставка
Word – for -
word
33
in a variable
interest rate
account.propriet
ary
credit
card
A private labeled
credit card
typically issued
by a department
store or
petroleum company
that can only be
used at those
specific outlets.
власних
кредитних
карт
Word – for -
word
savings
account
A bank account
that accrues
interest in
exchange for use
of the money on
deposit.
Ощадний
рахунок
Word – for -
word
savings
and loan
associat
ion
State-chartered
or federally-
chartered
financial
intermediary that
accepts deposits
позиково-
ощадні
асоціації
Word omission
34
from the public
and invests those
funds primarily
in residential
mortgage loans.service
charge
A monthly fee a
bank charges for
handling a
checking account.
плата за
обслуговува
ння
Word adding
stop
payment
A request made to
a bank to not pay
a specific check.
If requested soon
enough, the check
will not be
debited from the
payer's account.
Normally there is
a charge for this
service.
зупинити
платіж
Word – for -
word
variable
rate
An interest rate
that changes and
is determined by
adding the index
Мінлива
ставка
Word – for -
word
35
rate to the
previously
disclosed margin.wire
transfer
[7; 23 –
26]
A transaction
that
electronically
transfers money
from one
financial
institution to
another.
банківський
переказ
Word – for -
word
Table 4. Another Banking terms
2.5 Banking collocations
This part includes English banking collocations, their
translation and I defined their types of translation.
Term Translation Types of
translationBank system Банківська
система
Word - for - word
International
banking
Міжнародний
банкінг
Word - for - word
Investment Інвестиційно – Word adding
36
banking банківські
послугиBank act Банківський акт Word - for - wordMerchant banking Прямі інвестиції Word - for - wordBank services Банківські
послуги
Word - for - word
Provide banking Забезпечувати
банківством
Word - for - word
Retail banking Роздрібні
банківські
послуги
Word adding
Bank sector Банківський
сектор
Word - for - word
Electronic
banking
Електронний
банкінг
Word - for - word
Branch banking Філія банку Word - for - wordBank and credit Банк та кредит Word - for - wordBank scandal Банківський
скандал
Word - for - word
Corporate banking Спільне
банківство
Word - for - word
Bank and finance Банк та фінанси Word - for - wordBank facilities банківські уміння Word - for - wordBank group Банківська група Word - for - wordBank business Банківський Word - for - word
37
бізнесBank division Відділення банку Word - for - wordBank and
securities
Банк і цінні
папери
Word - for - word
Free banking Безкоштовний
банкінг
Word - for - word
Bank and
financial [7;27]
Банк та фінанси Word - for - word
Table 5. Banking collocations
Conclusion
Banking terms play an important role in life of any
human from any country of the world. We use them almost
everywhere, when making transactions, using a cash
38
machine, going to the bank, speaking with managers or
financial advisers.
In this Course Paper it was investigated different
translation methods of banking terms from English into
Ukrainian, studied the translation methods of business
terms, their types and ways of translation.
In the course paper was used different types and ways
of translation such as word–for–word translation, changing
the word from one part of a language into another, word
adding, word omission. Was found similarities and
differences translation, analyze difficulties in
translation in English and Ukrainian languages and
differentiated their grammatical aspects.
I studied how banking terms are translated from
English into Ukrainian. It helped me clearly understand
banking terms translation which plays leading role while
processing translation.
During our research I have found common and different
patterns of translation for English and Ukrainian banking
terms, activities and services.
During my investigation I showed how to translate
different types of banking terms and how they could be
translated by different ways. I considered functions of
banking terms in both languages.
39
In this course paper was used different types of
translation: commercial translation or business
translation, computer translation to translate different
business terms. After this defining was revealed the
following peculiarities: word – for word translation
concluder 33%; word adding – 25%; word omission – 22%;
changing the word from one part of a language – 15% and
paraphrasing – 5%.
Not always it was possible to find logical connection
between banking terms in English and Ukrainian languages,
especially in banking acronyms and abbreviations.
References
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