1.素质教育：Quality Education
2. EQ：分两种，一种为教育商数Educational quotient，另一种情感商数Emotional quotient
3.保险业：the insurance industry
4.保证重点指出：ensure funding for priority areas
5.补发拖欠的养老金：clear up pension payments in arrears
6.不良贷款：non-perFORMing loan
7.层层转包和违法分包：mutlti-level contracting and illegal subcontracting
8.城乡信用社：credit cooperative in both urban and rural areas
9.城镇居民最低生活保障：a minimum standard of living for city residents
10.城镇职工医疗保障制度：the system of medical insurance for urban workers
11.出口信贷：export credit
12.贷款质量：loan quality
13.贷款质量五级分类办法：the five-category assets classification for bank loans
14.防范和化解金融风险：take precautions against and reduce financial risks
15.防洪工程：flood-prevention project
16.非法外汇交易：illegal foreign exchange transaction
17.非贸易收汇：foreign exchange earnings through nontrade channels
18.非银行金融机构：non-bank financial institutions
19.费改税：transFORM administrative feessintostaxes
20.跟踪审计：foolow-up auditing