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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 fees into taxes 20. 跟踪审计： foolow-up auditing | 
