金融英语文章

Ⅰ 有关金融方面的英语短文（上课给老师同学念的精良短点经典一些） 急~~谢谢大家

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 求金融英语及其相关文章

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 急求一篇金融理财行业的英语文章

上海外版网站，你可以任意下载

Ⅳ 求一篇关于金融的英文文章要2000字

这篇是在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 关于金融的英语文章

经济学人：加拿大的住宅市场
Finance and Economics; 财经；
Canada's housing market; 加拿大的住宅市场；
Time for a bigger needle; 该出手时就出手；
The latest attempt to prick a bubble;戳破泡沫的最新举措；
经济学人：
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.
加拿大的金融监管一向广受赞誉。它的银行业在这场危机中做到了独善其身。根据评级机构穆迪的报告，加拿大皇家银行与汇丰银行以及摩根大通同列，跻身全球银行界的第一梯队。同时，加拿大的政策制定者也是运用宏观审慎政策的老手，这一政策如今也常被其他富国的央行使用。
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，仍有问题缠身。部分人士认为，加拿大的银行被加拿大抵押和住房公司（CMHC）提供的巨额补偿金美化了，CMHC是一家为贷款估值比率超过80%的抵押贷款提供保险的公共机构。在2011年，CHMC的抵押贷款额从四年前的3450亿增长到了5670亿加元（合5570亿美元）。并且，从一些指标来看，加拿大的房地产充斥着泡沫：《经济学人》以房价租金比所做的分析显示，在2012年第一季度，加拿大的物业价格高出它们的长期公允价值75%。纵然仅有低于0.5%的CHMC抵押贷款存在拖欠的情况，但这样的繁荣仍让人忧虑。最近，央行也冠以楼市 “危及加拿大金融稳定性的最大国内隐患”。
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.
政策制定者们给楼市降温的不断尝试并无明显成效。于是，在6月21日，加拿大财长吉姆·费拉逖，在四年来第四次出台了一些新举措。新措施中的一些不过是表面功夫。价值过百万美元住宅的买主能得到由CMHC担保的债务违约保险以及首付仅付5%的优惠待遇。而事实上，很少有这类购房者在购房时不以大量自有资金支付价款的。不过，在6月9日之后，这类住宅将不再适用于CMHC的保险范围。
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.
其他那些则更为有力。抵押贷款最长还贷期限如今将从30年降低至25年。这势必将减少需求：去年约有40%的新贷款的期限是超过25年的。允许的房屋再融资的上限从房屋价值的85%降至只有80%。购房者还须证明他们的住房支出不超过家庭总收入的39%。费拉逖的举措中，紧随其后的是，加拿大的银行监管部门，联邦金融机构监督办公室，将贷款和自有资金间的贷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.
多伦多道明银行金融集团首席经济学家，克雷格·亚历山大估计，所有这些措施对于购房者而言将等同于抵押贷款利率上升1%。他认为这将促使房产市场缓慢回归。如果他的观点正确，并且费拉逖的各种干预手段能够避免可能引发实际利率上升的附带伤害，那么如此一来，加拿大的崇拜者们又将有一个可以津津乐道的话题了。

Ⅵ 求一篇关于金融的英语短文 然后又中文译文 谢谢 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%

据世界银行(World Bank)的一项研究显示，中国不再过多依赖贸易顺差来实现经济增长，标志着发展模式出现了重大转变。过去的发展模式帮助中国从一个经济封闭的国家成长为全球第二大经济体。

世界银行说，尽管预计2011年和2012年中国的贸易顺差平均约为2,000亿美元，却只占预计国内生产总值(GDP)的2.7%，对GDP预计增速的贡献只有0.2个百分点，比过去要小的多，这样就减少了总体贸易对中国经济增长的贡献。

世界银行驻北京资深经济学家高路易(Louis Kuijs)说，贸易在中国经济增长中作用减小的原因之一是，其他国家和地区在努力从全球金融危机中恢复，贸易需求很小。不过，他也指出，现在正在进行一场由中国强劲增长的经济推动下的结构性调整，对进口商品需求增大。

世界银行的研究可能令美国敦促人民币进一步升值的工作更加困难，特别是在过去的一个季度中国出现小额贸易逆差之际。

美国政府高层多年来一直说中国的巨额贸易顺差证明人民币被低估了，并一再敦促北京让人民币升值。在5月9日和10日华盛顿召开的中美战略与经济对话上，两国注定要在中国的汇率政策上再次交锋。自2010年6月中旬中国允许人民币汇率在一定程度上浮动以来，人民币已经累计升值5%。

Ⅶ 金融类英语文章

income, profit, earnings，interest ： 收入，利润，收益，利息 cost, expense, charge ： 成本，费用，收费

Ⅷ 金融危机英语短文

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 求一篇金融英语的的作文。

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 跪求英语文章 1500字的英文 有翻译 关于金融类的 跪求

Talking about Housing Loans
房屋贷款

Al and Virginia Baxter are talking to their banker ,Tony Flora ,about a housing loan.
艾尔和弗吉尼亚·巴克斯特正和他们的银行家托尼·费洛拉洽谈有关房屋贷款之事。

Al:We'd like to get some information about mortgage loans,Mr.Flora.
艾尔：我们希望得到一些有关抵押贷款方面的知识，弗洛拉先生。
We found a house that we'd like to buy.
我们找到了一所我们想买的房子。

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。如果房屋从建成至今尚未超过10年，我们一般借给买房者的数额是银行对房屋估价的80%，而贷款期为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， 这几乎是一所全新的房子，我认为是两年前修建的。

A:Yes,it's a real good deal .The price is just right .
艾尔：是的，这真是的桩合适的买卖，价钱也很合理。

F:Bank appraisals are usually slightly lower than the actual market prices,Mr.Baxter,
弗洛拉，银行的估价总是低于实际市场价格的，巴克斯特先生。

so you'll have to figure on at least at a 25%-28% down payment .
因此，您必须计划支付至少25%—28%的定金。
A:Yes,we planned on that .We've accumulated enough in our savings for a 30% down payment.
艾尔：是啊，这点我们已经估计到了，在我们的积蓄中攒的钱已足够支付30%的定金。

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

F:It fluctuates a little depending on the various factors in the loan ,but around 8.75% for longtime clients.
弗洛拉：根据各种不同情况的贷款，利息率稍有差别，但是，对于银行的老主顾一般是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.
艾尔：那么我们从结婚到现在8年来一直与这里的银行往来，弗洛拉先生。因此，我想我们是合乎条件的。

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，你们当然是符合条件的，巴克斯特先生。让我们先来填写这张申请表，然后就可以开始着手票据事宜，
It takes some time to complete a mortgage loan transaction.
要完成抵押贷款的交易是得花点时间。

B:We will need title insurance and fire insurance ,too,won't we ?
巴克斯特：我们还需要产权保险和火灾保险，对吗？

F:Yes,you will.Here's our mortgage loan booklet which explains all the things which will be necessary .
弗洛拉：是的，这里有一本有关我们抵押贷款的小册子，这个小册子说明了必须要办的一切手续