⑴ 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。
⑵ 急急急~~~关于金融-英语方面的问题
财富杂志很适合你这个要求，很多金融方面的文章
http://money.cnn.com/magazines/fortune/
⑶ 求一篇关于金融的英语论文
03-28 金融危机视域下珠三角产业升级研究 03-28 浅析韩国金融制度演变及对我国的启示 03-28 论次贷危机对我国的影响及金融业的应对措施 保险学类更多... 03-29 寿险公司在养老保险体系中的作用 ...www.wsdxs.cn/html/finance
⑷ 关于金融方面的英文自我评价的翻译
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
⑹ 请问在金融业工作的朋友们，哪些金融类工作，最看重英语能力
LZ说得有道理啊，在外资银行工作英语当然要过关
金融英语属于专业英语范围，我之前去上的培训班就有不同专业分类的版块
那里上课是一对一的，有比较多你自己的开口时间，课程量身制定，就像我学习
的是服装英语，专门有面料类、颜色以及有关服装方面的对话授课，掌握后就能直接使用。
最喜欢就是在家只需一部电话就能学英语，很方便。
之前的链接还保留着，你可以去看看。
⑺ 用英文回答对金融的理解
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：
虽然“金融”是一个非常大的范畴，但是金融也是一门渗透于生活中的学科，像我们买房贷款、存款储蓄、购买基金股票，利率调整、物价上涨等等，到处都是金融的影子。所以说金融有其令人神往和高深莫测的一面（如股票市场的涨涨跌跌），但也有其平实普华的一面（渗透到生活的各个方面，几乎没有人的生活可以脱离金融）。 金融，实际上就是把经济、货币和银行联系在一起，涉及到银行、保险、证券市场、国家财政、国际贸易等各个方面。也就是说金融是与货币和信用有关的一切经济活动，这就注定了每个人都离不开金融。
金融还是一个地区、区域、乃至一个国家经济繁荣能力的重要指标，是现代经济的核心，直接关系经济社会发展和改革开放的全局。金融在改革中发展，在发展中不断地壮大，有力地支持了经济平稳较快的增长和社会的全面发展。金融自身也在不断创新中深化和扩张，随着经济的改革和经济的快速发展，金融业一定有着美好的发展前景。
⑻ 对金钱看法的英语作文
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.
金钱对于我们来说是非常重要的，但它并不是我们生命中最重要的东西．许多东西都比金钱重要，例如友情，爱情和家庭等等．我们可以用钱去买很多东西但买不到人们的心．一个人只在乎他的钱，这是十分悲哀的．逐渐地，他会失去所有比金钱重要的东西．最后，他会变得孤独．
有时侯，钱可以让许多人聚在一起来、和你做朋友。然而，你必须知道他们也许并不是你真正的朋友，他们再想要你的钱。一个真正的朋友从来不会介意他的朋友是贫穷的还是富裕的。患难见真情。拥有一些真心的朋友才是真正的幸福。
总之，金钱可以解决很多问题，但它就是不能带给你幸福，因为它不能买一颗真心。请记着：这个世上有些东西是无价的。所以不要只为金钱而生活！
⑼ 金融英语 float shares怎么理解
float有一个意思就是"发行股票",share是"股票"的意思
float shares就是"发行股票"的意思
⑽ 什么是金融服务意识谈谈你的看法
金融服务意识。会发展当中是促进经济的发展的一个主要手段。