⑴ 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。
⑵ 急急急~~~關於金融-英語方面的問題
財富雜志很適合你這個要求，很多金融方面的文章
http://money.cnn.com/magazines/fortune/
⑶ 求一篇關於金融的英語論文
03-28 金融危機視域下珠三角產業升級研究 03-28 淺析韓國金融制度演變及對我國的啟示 03-28 論次貸危機對我國的影響及金融業的應對措施 保險學類更多... 03-29 壽險公司在養老保險體系中的作用 ...www.wsdxs.cn/html/finance
⑷ 關於金融方面的英文自我評價的翻譯
I have five years' financial instry work experience, as a childhas a gift for music, fourteen years of accordion and piano playingpractice makes focus style, cultivate my learning ability and the strain capacity, the current * * * company financial marketingmanagement and head of investment banking. He worked in the Americanowned investment group and private enterprises to exercise, have on the domestic financial system and the financing situation understanding and the practice experience, good at project management, coordination ability, able to work with the team to finish the funding large-scale investment and financing projects.Because the relationship between work in the bank, I focus on thesolid foundation of risk management, project financing risk evaluation, risk management information system and internal controllaws and regulations management risk control work. An investment to the success of the project in addition to achieve maximum benefits,depending on business development at the same time, also need to rely on risk control for business development escorts the emperor convoy. Have some management experience of enterprise administration and human resource management, to build a international five Stars Hotel. In the student ring the internship served translationassistant work. My outgoing personality, strong sense of responsibility, good communication, negotiation, and believe theycan be competent for your company to work
⑸ 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
⑹ 請問在金融業工作的朋友們，哪些金融類工作，最看重英語能力
LZ說得有道理啊，在外資銀行工作英語當然要過關
金融英語屬於專業英語范圍，我之前去上的培訓班就有不同專業分類的版塊
那裡上課是一對一的，有比較多你自己的開口時間，課程量身制定，就像我學習
的是服裝英語，專門有面料類、顏色以及有關服裝方面的對話授課，掌握後就能直接使用。
最喜歡就是在家只需一部電話就能學英語，很方便。
之前的鏈接還保留著，你可以去看看。
⑺ 用英文回答對金融的理解
Although "finance" is a very large category, finance is also a discipline that permeates life. For example, we buy home loans, deposit savings, buy fund stocks, interest rate adjustments, price increases, etc., and there are financial shadows everywhere. Therefore, finance has its fascinating and unpredictable aspects (such as the ups and downs of the stock market), but it also has a plain and inclusive aspect (penetrating into all aspects of life, almost no one can live out of finance) . Finance, in fact, is to link the economy, currency and bank together, involving all aspects of banking, insurance, securities market, national finance, international trade and so on. That is to say, finance is all economic activities related to currency and credit, which dooms everyone to finance.
Finance is also an important indicator of the economic prosperity of a region, region, or even a country. It is the core of the modern economy, and is directly related to the overall situation of economic and social development and reform and opening up. Finance has developed through reforms and has continued to grow ring development, effectively supporting steady and rapid economic growth and all-round social development. Finance itself is also deepening and expanding through continuous innovation. With the economic reform and rapid economic development, the financial instry must have a bright future.
中文原文：
雖然「金融」是一個非常大的范疇，但是金融也是一門滲透於生活中的學科，像我們買房貸款、存款儲蓄、購買基金股票，利率調整、物價上漲等等，到處都是金融的影子。所以說金融有其令人神往和高深莫測的一面（如股票市場的漲漲跌跌），但也有其平實普華的一面（滲透到生活的各個方面，幾乎沒有人的生活可以脫離金融）。 金融，實際上就是把經濟、貨幣和銀行聯系在一起，涉及到銀行、保險、證券市場、國家財政、國際貿易等各個方面。也就是說金融是與貨幣和信用有關的一切經濟活動，這就註定了每個人都離不開金融。
金融還是一個地區、區域、乃至一個國家經濟繁榮能力的重要指標，是現代經濟的核心，直接關系經濟社會發展和改革開放的全局。金融在改革中發展，在發展中不斷地壯大，有力地支持了經濟平穩較快的增長和社會的全面發展。金融自身也在不斷創新中深化和擴張，隨著經濟的改革和經濟的快速發展，金融業一定有著美好的發展前景。
⑻ 對金錢看法的英語作文
Money is very important for us but is not the most important things in our life. Many things are more important than money ,such as friendship ,love ,and family ,and so on .We can use money to buy many things but for people's hearts. A people only care the money ,which is very sorrowful.Graally,he will lose many things that is more important than money.And last,he will become lonely.
Sometimes money can let many people gather and make friends with you .However,you have to know they may be not your true friends and they just want you money. A true friend never care whether his friend is poor or rich.A firend in need is a friend indeed.Having some sincere friends is the true happiness.
Anyway, money can solve lots of problems but it can't bring you happiness because it can't buy a true heart.Please remember that some things in the world is invaluable.So don't live only for money.
金錢對於我們來說是非常重要的，但它並不是我們生命中最重要的東西．許多東西都比金錢重要，例如友情，愛情和家庭等等．我們可以用錢去買很多東西但買不到人們的心．一個人只在乎他的錢，這是十分悲哀的．逐漸地，他會失去所有比金錢重要的東西．最後，他會變得孤獨．
有時侯，錢可以讓許多人聚在一起來、和你做朋友。然而，你必須知道他們也許並不是你真正的朋友，他們再想要你的錢。一個真正的朋友從來不會介意他的朋友是貧窮的還是富裕的。患難見真情。擁有一些真心的朋友才是真正的幸福。
總之，金錢可以解決很多問題，但它就是不能帶給你幸福，因為它不能買一顆真心。請記著：這個世上有些東西是無價的。所以不要只為金錢而生活！
⑼ 金融英語 float shares怎麼理解
float有一個意思就是"發行股票",share是"股票"的意思
float shares就是"發行股票"的意思
⑽ 什麼是金融服務意識談談你的看法
金融服務意識。會發展當中是促進經濟的發展的一個主要手段。