金融英語文章

Ⅰ 有關金融方面的英語短文（上課給老師同學念的精良短點經典一些） 急~~謝謝大家

China eyes SDR as global currency

China's central bank chief on Monday proposed a sweeping overhaul of the global monetary system, outlining how the dollar could eventually be replaced as the world's main reserve currency by the Special Drawing Right (SDR).

The SDR is an international reserve asset created by the International Monetary Fund in 1969 that has the potential to act as a super-sovereign reserve currency, Zhou Xiaochuan, governor of the People's Bank of China, said in remarks published on Monday on the bank's website, www.pbc.gov.cn.

"The role of the SDR has not been put into full play e to limitations on its allocation and the scope of its uses. However, it serves as the light in the tunnel for the reform of the international monetary system," Zhou said.

Zhou did not refer directly to the dollar.

But his speech, issued in English as well as Chinese, spells out in detail China's dissatisfaction with the primacy of the US currency, which Zhou says has led to increasingly frequent international financial crises since the collapse of the Bretton Woods system of fixed but adjustable exchange rates in 1971.

"The price is becoming increasingly high, not only for the users, but also for the issuers of the reserve currencies. Although crisis may not necessarily be an intended result of the issuing authorities, it is an inevitable outcome of the institutional flaws," Zhou said.

"The desirable goal of reforming the international monetary system, therefore, is to create an international reserve currency that is disconnected from indivial nations and is able to remain stable in the long run, thus removing the inherent deficiencies caused by using credit-based national currencies," he added.

Ⅱ 求金融英語及其相關文章

Financial Management

Management of funds is a critical aspect of financial management. Management of funds act as the foremost concern whether it is in a business undertaking or in an ecational institution. Financial management, which is simply meant dealing with management of money matters.

Meaning of Financial Management
By Financial Management we mean efficient use of economic resources namely capital funds. Financial management is concerned with the managerial decisions that result in the acquisition and financing of short term and long term credits for the firm. Here it deals with the situations that require selection of specific assets, or a combination of assets and the selection of specific problem of size and growth of an enterprise. Herein the analysis deals with the expected inflows and outflows of funds and their effect on managerial objectives. In short, Financial Management deals with Procurement of funds and their effective utilization in the business.

So the analysis simply states two main aspects of financial management like procurement of funds and an effective use of funds to achieve business objectives.

Procurement of funds:
As funds can be procured from multiple sources so procurement of funds is considered an important problem of business concerns. Funds obtained from different sources have different characteristics in terms of potential risk, cost and control.

Funds issued by the issue of equity shares are the best from risk point of view for the company as there is no question of repayment of equity capital except when the company is liquidated.

From the cost point of view equity capital is the most expensive source of funds as dividend expectations of shareholders are normally higher than that of prevailing interest rates.

Financial management constitutes risk, cost and control. The cost of funds should be at minimum for a proper balancing of risk and control.

In the globalised competitive scenario, mobilization of funds plays a very significant role. Funds can be raised either through the domestic market or from abroad. Foreign Direct Investment (FDI) as well as Foreign Institutional Investors(FII) are two major sources of raising funds. The mechanism of procurement of funds has to be modified in the light of requirements of foreign investors.

Utilization of Funds:
Effective utilization of funds as an important aspect of financial management avoids the situations where funds are either kept idle or proper uses are not being made. Funds procured involve a certain cost and risk. If the funds are not used properly then running business will be too difficult. In case of dividend decisions we also consider this. So it is crucial to employ the funds properly and profitably.

Scope of Financial Management
Sound financial management is essential in all types of organizations whether it be profit or non-profit. Financial management is essential in a planned Economy as well as in a capitalist set-up as it involves efficient use of the resources.

From time to time it is observed that many firms have been liquidated not because their technology was obsolete or because their procts were not in demand or their labour was not skilled and motivated, but that there was a mismanagement of financial affairs. Even in a boom period, when a company make high profits there is also a fear of liquidation because of bad financial management.

Financial management optimizes the output from the given input of funds. In a country like India where resources are scarce and the demand for funds are many, the need of proper financial management is required. In case of newly started companies with a high growth rate it is more important to have sound financial management since finance alone guarantees their survival.

Financial management is very important in case of non-profit organizations, which do not pay adequate attentions to financial management.

How ever a sound system of financial management has to be cultivated among bureaucrats, administrators, engineers, ecationalists and public at a large.

Objectives of Financial Management
Efficient Financial management requires the existence of some objectives, which are as follows

1) Profit Maximization:

The objective of financial management is the same as the objective of a company which is to earn profit. But profit maximization alone cannot be the sole objective of a company. It is a limited objective. If profits are given une importance then problems may arise as discussed below.

The term profit is vague and it involves much more contradictions.

Profit maximization must be attempted with a realization of risks involved. A positive relationship exists between risk and profits. So both risk and profit objectives should be balanced.

Profit Maximization fails to take into account the time pattern of returns.

Profit maximization does not take into account the social considerations.

2) Wealth Maximization:
It is commonly understood that the objective of a firm is to maximize value and wealth.

The value of a firm is represented by the market price of the company's stock. The market price of a firm's stock represents the assesment of all market participants as to what the value of the particular firm is. It takes in to account present and prospective future earnings per share, the timing and risk of these earning, the dividend policy of the firm and many other factors that bear upon the market price of the stock. Market price acts as the performance index or report card of the firm's progress and potential.

Prices in the share markets are affected by many factors like general economic outlook, outlook of the particular company, technical factors and even mass psychology. Normally this value is a function of two factors:

The anticipated rate of earnings per share of the company

The capitalization rate.

The likely rate of earnings per shares depend upon the assessment of how profitable a company may be in the future.

The capitalization rate reflects the liking of the investors for the company.

Methods of Financial Management:
In the field of financing there are multiple methods to procure funds. Funds may be obtained from long term sources as well as from short term sources. Long term funds may be procured by owners that are shareholders, lenders by issuing debentures, from financial institutions, banks and the general public at large. Short term funds may be availed from commercial banks, public deposits, etc. Financial leverage or trading on equity is an important method by which a finance manager may increase the return to common shareholders.

At the time of evaluating capital expenditure projects methods like average rate of return, pay back, internal rate of returns, net present value and profitability index are used. A firm can increase its profitability without adversely affecting its liquidity by an efficient utilization of the current resources at the disposal of the firm. A firm can increase its profitability without negatively affecting its liquidity by efficient management of working capital.

Similarly, for the evaluation of a firm's performance there are different methods. Ratio analysis is a common technique to evaluate different aspects of a firm. An investor takes in to account various ratios to know whether investment in a particular company will be profitable or not. These ratios enable him to judge the profitability, solvency, liquidity and growth aspect of the firm.

Ⅲ 急求一篇金融理財行業的英語文章

上海外版網站，你可以任意下載

Ⅳ 求一篇關於金融的英文文章要2000字

這篇是在cnn上找到的。
Alibaba is not the Amazon of China
September 16 HONG KONG
Forget what you've read, Alibaba is NOT "the Amazon of China."
The analogy has been used widely as Alibaba prepares for its IPO. But it is only partially accurate, and masks big differences in business models.
Sure, Alibaba (BABA) and Amazon both do business on the Internet. They both enable consumers to buy huge volumes of goods without stepping foot in a store. And both have a stranglehold on their home markets.
But that's pretty much where the similarities end. Unlike Amazon (AMZN, Tech30), Alibaba does not own most of the items sold on its platforms, it does not maintain massive distribution centers, and it has only a fraction of the 132,000 employees on Amazon's books.
"Amazon and eBay are e-commerce companies, and Alibaba is not an e-commerce company," Alibaba co-founder Jack Ma said last year. "Alibaba helps others to do e-commerce. We do not sell things."
The point Ma was trying to drive home is that Alibaba excels at connecting buyers and sellers. Alibaba is not the seller.
Related: Meet four kings of Alibaba's online retail empire
The company's largest digital marketplace -- Taobao -- allows consumers to buy goods directly from small businesses. Tmall, Alibaba's other major shopping marketplace, connects larger brand retailers to consumers.
Alibaba makes money on Taobao by selling advertisements and search placement to retailers (kinda like Google (GOOG)). The company takes a commission from the larger retailers that operate on Tmall (think eBay (EBAY, Tech30)).
The model means that Ma doesn't have to obsess over keeping prices low the way Amazon founder Jeff Bezos does.
Related: Should you buy Alibaba shares?
The structure also makes Alibaba more of a pure Internet play, a trend reflected in the company's bottom line. Compared to Amazon, Alibaba's revenue is small (but growing faster). And investors are salivating over the company's much higher profit margins.
Investors have also been enticed by Alibaba's success at building what Ma calls an Internet "ecosystem."
The network of services allows consumers to move seamlessly between the company's online retail marketplaces and mobile apps used to process payments, buy movie tickets, call a taxi or invest in a money market fund. Alibaba even has a corporate cousin in the logistics business that handles most of the shipments generated on Tmall and Taobao.
Related: 7 things Alibaba users can do
In the end, Alibaba's biggest strengths may stem from overcoming broader problems in China's retail sector.
Ma has said that e-commerce in the U.S. is about transferring an existing business onto the Internet (think Amazon and books).
"E-commerce in the U.S. is like a dessert. It's just supplementary to your main business," Ma said. "In China, because the infrastructure of commerce is [so] bad, e-commerce becomes the main course."
What will happen when Alibaba and Amazon find themselves fighting for the same consumers? Here they are similar: expect both founders to come out swinging.
"Lying behind the massive allure of the capital market, there is unparalleled ruthlessness and pressure," Ma wrote in a letter to employees earlier this year. "In this market, only a small number of outstanding enterprises can maintain a gallop."
By Charles Riley September 16, 2014 00:54AM EDT

Ⅳ 關於金融的英語文章

經濟學人：加拿大的住宅市場
Finance and Economics; 財經；
Canada's housing market; 加拿大的住宅市場；
Time for a bigger needle; 該出手時就出手；
The latest attempt to prick a bubble;戳破泡沫的最新舉措；
經濟學人：
Canada's reputation for financial regulation is starry. Its banksgot through the crisis unscathed. According to Moody's, a ratings agency, Royal Bank of Canadasits alongside HSBC and JPMorgan Chase in the top tier of global banks. And Canadianpolicymakers are old hands at pulling 「macroprudential」 levers of the sort now in vogue amongrich-world central banks.
加拿大的金融監管一向廣受贊譽。它的銀行業在這場危機中做到了獨善其身。根據評級機構穆迪的報告，加拿大皇家銀行與匯豐銀行以及摩根大通同列，躋身全球銀行界的第一梯隊。同時，加拿大的政策制定者也是運用宏觀審慎政策的老手，這一政策如今也常被其他富國的央行使用。
But questions still nag. Some say that Canada's banks are flattered by a huge indemnity offeredby Canada Mortgage and Housing Corp (CMHC), a public institution that insures mortgages witha loan-to-value ratio of more than 80%. CHMC's book grew to 567 billion Canadian Dollar(557 billion Dollar) in 2011, up from 345 billion Canadian Dollar four years earlier. And Canada'shousing market looks very frothy on some measures: The Economist's analysis of price-to-rentratios suggests that Canadian properties were about 75% above their long-run 「fair value」 in thefirst quarter of 2012 (see chart). Although less than 0.5% of CHMC's mortgages are in arrears, such exuberance is a worry. The central bank recently labelled housing as 「the most importantdomestic risk to financial stability in Canada」.
但是，仍有問題纏身。部分人士認為，加拿大的銀行被加拿大抵押和住房公司（CMHC）提供的巨額補償金美化了，CMHC是一家為貸款估值比率超過80%的抵押貸款提供保險的公共機構。在2011年，CHMC的抵押貸款額從四年前的3450億增長到了5670億加元（合5570億美元）。並且，從一些指標來看，加拿大的房地產充斥著泡沫：《經濟學人》以房價租金比所做的分析顯示，在2012年第一季度，加拿大的物業價格高出它們的長期公允價值75%。縱然僅有低於0.5%的CHMC抵押貸款存在拖欠的情況，但這樣的繁榮仍讓人憂慮。最近，央行也冠以樓市 「危及加拿大金融穩定性的最大國內隱患」。
Repeated efforts by policymakers to take the heat out of housing have not had a noticeableeffect. So on June 21st Jim Flaherty, the finance minister, had another go, his fourth in fouryears. Some of the new measures were cosmetic. Buyers of homes worth more than 1m Dollarhave been able to get mortgage-default insurance from CMHC with a downpayment of only 5%. In practice, it is hard to find buyers in this bracket who do not have lots of equity in their homes. But after July 9th mortgages for homes of this value will not be eligible for CMHC coverage.
政策制定者們給樓市降溫的不斷嘗試並無明顯成效。於是，在6月21日，加拿大財長吉姆·費拉逖，在四年來第四次出台了一些新舉措。新措施中的一些不過是表面功夫。價值過百萬美元住宅的買主能得到由CMHC擔保的債務違約保險以及首付僅付5%的優惠待遇。而事實上，很少有這類購房者在購房時不以大量自有資金支付價款的。不過，在6月9日之後，這類住宅將不再適用於CMHC的保險范圍。
Other measures have more teeth. The maximum amortisation period for a mortgage will now be25 years, down from 30. That should hurt demand: last year about 40% of new mortgages werefor terms longer than that. Refinancing a home will be allowed only up to 80% of its value, downfrom 85%. Homebuyers will have to demonstrate their housing costs are no more than 39% oftheir gross household income. On top of Mr Flaherty's measures, the Office of theSuperintendent of Financial Institutions, Canada's banking regulator, slapped a loan-to-value limitof 65% on borrowing against home equity.
其他那些則更為有力。抵押貸款最長還貸期限如今將從30年降低至25年。這勢必將減少需求：去年約有40%的新貸款的期限是超過25年的。允許的房屋再融資的上限從房屋價值的85%降至只有80%。購房者還須證明他們的住房支出不超過家庭總收入的39%。費拉逖的舉措中，緊隨其後的是，加拿大的銀行監管部門，聯邦金融機構監督辦公室，將貸款和自有資金間的貸款估值比率的限制猛降至65%。
Craig Alexander, the chief economist for TD Financial Group, estimates all this will be theequivalent of about a 1% rise in mortgage rates for most homebuyers. He believes that willproce a slow unwinding of the housing market. If he is right, and Mr Flaherty's variousinterventions avoid the collateral damage that would be caused by an actual interest-rate rise, Canada's admirers will have another thing to swoon over.
多倫多道明銀行金融集團首席經濟學家，克雷格·亞歷山大估計，所有這些措施對於購房者而言將等同於抵押貸款利率上升1%。他認為這將促使房產市場緩慢回歸。如果他的觀點正確，並且費拉逖的各種干預手段能夠避免可能引發實際利率上升的附帶傷害，那麼如此一來，加拿大的崇拜者們又將有一個可以津津樂道的話題了。

Ⅵ 求一篇關於金融的英語短文 然後又中文譯文 謝謝 急急急

China doesn't depend much on its trade surplus for growth any longer, according to a World Bank study, marking a sharp shift in the development model that helped turn China from an economic backwater into the world's second-largest economy.

While China's trade surpluses are expected to average around $200 billion in 2011 and 2012, the World Bank said, that is 2.7% of projected gross domestic proct, or just 0.2 percentage point of its expected growth, a much smaller percentage than in the past, thus recing the contribution total trade makes to China's growth.

Part of the reason for the diminished role for trade in China is meager demand in the rest of the world, which is struggling to recover from the global financial crisis, said Louis Kuijs, a World Bank senior economist in Beijing. But he also pointed to 'a structural process going on, coming from a strongly growing Chinese economy' that sucks in imports.

The World Bank study could make it more difficult for the U.S. to argue for further Chinese action on its currency, especially coming on the heels of a quarter in which China ran a small trade deficit.

U.S. political leaders for years have pointed to China's immense trade surpluses as evidence its currency is undervalued, and have pressed Beijing over and over to increase the yuan's value. The two countries are bound to tangle again over China's exchange-rate policy ring a meeting of top Chinese economic and political leaders and their U.S. counterparts in Washington on May 9 and 10. Since China let its currency float somewhat in mid-June 2010, it has appreciated 5%

據世界銀行(World Bank)的一項研究顯示，中國不再過多依賴貿易順差來實現經濟增長，標志著發展模式出現了重大轉變。過去的發展模式幫助中國從一個經濟封閉的國家成長為全球第二大經濟體。

世界銀行說，盡管預計2011年和2012年中國的貿易順差平均約為2,000億美元，卻只佔預計國內生產總值(GDP)的2.7%，對GDP預計增速的貢獻只有0.2個百分點，比過去要小的多，這樣就減少了總體貿易對中國經濟增長的貢獻。

世界銀行駐北京資深經濟學家高路易(Louis Kuijs)說，貿易在中國經濟增長中作用減小的原因之一是，其他國家和地區在努力從全球金融危機中恢復，貿易需求很小。不過，他也指出，現在正在進行一場由中國強勁增長的經濟推動下的結構性調整，對進口商品需求增大。

世界銀行的研究可能令美國敦促人民幣進一步升值的工作更加困難，特別是在過去的一個季度中國出現小額貿易逆差之際。

美國政府高層多年來一直說中國的巨額貿易順差證明人民幣被低估了，並一再敦促北京讓人民幣升值。在5月9日和10日華盛頓召開的中美戰略與經濟對話上，兩國註定要在中國的匯率政策上再次交鋒。自2010年6月中旬中國允許人民幣匯率在一定程度上浮動以來，人民幣已經累計升值5%。

Ⅶ 金融類英語文章

income, profit, earnings，interest ： 收入，利潤，收益，利息 cost, expense, charge ： 成本，費用，收費

Ⅷ 金融危機英語短文

Lasting more than one years, the American housing market crisis graally extended to the whole financial system to be a financial crisis all over the world, in which progress every conuntry is included.
Being customed by market economy, most western countries are not convenient to rely on the government input to survive this crisis, but they have no other alternatives.
Basicly, there are at least two things for governments to do in this crisis. First, enough fund should be prepared to ganrantee the stablity of the whole financial system. Maintaining the steady of the financial system is becoming one of the most important things in today's economic system because a healthy fiancial system is the basic of healthy financing and investment. It is difficult for the growth of the substantial economy with the lack of the financing support.
Second, there must be some changes in the whole financial system which should be organised by governments. If the traditional investment method is proved to be inefficient in current economic situation, the old financial system would require some improvement. For example, when the investment banks bankrupted in the financial crisis, the American government gave this organisation up soon to protect the investors as well as other financial institutions.
Moreover, many other measures thould be taken by governments including maintaining the stability for the commercial market and the normal life of residents referring to low unemployment.
Earthquake Kitagawa county for the 100-day mourning Kaijin

Today is the Wenchuan earthquake in 100 days Closure of Beichuan county from 17 until today, opening only for family members hold a memorial ceremony for the masses

Today is the Wenchuan earthquake in 100 days. For the convenience of their loved ones to hold a memorial ceremony, closed Kitagawa from the county seat 17 until today only open for ordinary people.

Yesterday afternoon, reporters rushed to Kitagawa, all the way to a pedestrian friendly bags, each faces a heavy, even when an acquaintance, and nodded with each other, or a "you come to the" greetings, there is no need to ask each other What to do, because we have put in the hands of the same things: Xiangla paper money. Everyone carefully avoiding mention of dead loved ones. Prior to this, Kitagawa has been the county seat around the barbed wire fence. In the county seat 23 kilometers away from the door Renjiaping usually forbidden to enter. Kitagawa miss their loved ones had to climb across the King of Jiashan, a distance of the town burning paper money.

Ⅸ 求一篇金融英語的的作文。

Beloved Robert:
Serve as me in this paragraph of financial crisis , receive your incoming letter I am elated. When you ask about an impact of my financial crisis over my family, sorrowfulness that I feel having a pick. Because of, financial crisis is hit by father mother in this unemployment , invisible income fall off. They often quarrel with money, I grip in the middle of will do being in a bind. At last , our family has found one answering measure: The family cuts down a disbursement , increases income! I am full of confidence to future , you have confidence to me? Does your family also have the effect accepting financial crisis? Am I glad to be able to have a conversation with you very much, how about you? Give me a reply as soon as possible please. Wish that you learn progressing , self's studies achieves success.
Your Chinese penfriend
Wang Hua

Ⅹ 跪求英語文章 1500字的英文 有翻譯 關於金融類的 跪求

Talking about Housing Loans
房屋貸款

Al and Virginia Baxter are talking to their banker ,Tony Flora ,about a housing loan.
艾爾和弗吉尼亞·巴克斯特正和他們的銀行家托尼·費洛拉洽談有關房屋貸款之事。

Al:We'd like to get some information about mortgage loans,Mr.Flora.
艾爾：我們希望得到一些有關抵押貸款方面的知識，弗洛拉先生。
We found a house that we'd like to buy.
我們找到了一所我們想買的房子。

Flora:Well,Mr.Baxter,we generally lend 80% of the bank's appraised value on 30-,35-or 40-year mortgages if the house is less than 10 years old .
弗洛拉：好的，巴克斯特先生。如果房屋從建成至今尚未超過10年，我們一般借給買房者的數額是銀行對房屋估價的80%，而貸款期為30、35或40年。

Baxter:Oh ,it's almost a brand-new house .I think it was built two years ago .
巴克斯特：哦， 這幾乎是一所全新的房子，我認為是兩年前修建的。

A:Yes,it's a real good deal .The price is just right .
艾爾：是的，這真是的樁合適的買賣，價錢也很合理。

F:Bank appraisals are usually slightly lower than the actual market prices,Mr.Baxter,
弗洛拉，銀行的估價總是低於實際市場價格的，巴克斯特先生。

so you'll have to figure on at least at a 25%-28% down payment .
因此，您必須計劃支付至少25%—28%的定金。
A:Yes,we planned on that .We've accumulated enough in our savings for a 30% down payment.
艾爾：是啊，這點我們已經估計到了，在我們的積蓄中攢的錢已足夠支付30%的定金。

B:What's the interest rate on mortgage loans?
巴克斯特：抵押貸款的利息率是多少？

F:It fluctuates a little depending on the various factors in the loan ,but around 8.75% for longtime clients.
弗洛拉：根據各種不同情況的貸款，利息率稍有差別，但是，對於銀行的老主顧一般是8。75%左右。

A:Well,we've been banking here since we got married 8 years ago ,Mr.Flora ,so I guess we qualify.
艾爾：那麼我們從結婚到現在8年來一直與這里的銀行往來，弗洛拉先生。因此，我想我們是合乎條件的。

F:Yes,you certainly do ,Mr.Baxter.Let's fill out this application ,so we can get started on the paperwork .
弗洛拉：是的，你們當然是符合條件的，巴克斯特先生。讓我們先來填寫這張申請表，然後就可以開始著手票據事宜，
It takes some time to complete a mortgage loan transaction.
要完成抵押貸款的交易是得花點時間。

B:We will need title insurance and fire insurance ,too,won't we ?
巴克斯特：我們還需要產權保險和火災保險，對嗎？

F:Yes,you will.Here's our mortgage loan booklet which explains all the things which will be necessary .
弗洛拉：是的，這里有一本有關我們抵押貸款的小冊子，這個小冊子說明了必須要辦的一切手續