1. 關於金融危機的英語作文
What Caused The Financial Crisis?
I think we can sum up the cause of our current economic crisis in one word — GREED. Over the years, mortgage lenders were happy to lend money to people who couldn』 afford their mortgages. But they did it anyway because there was nothing to lose. These lenders were able to charge higher interest rates and make more money on sub-prime loans. If the borrowers default, they simply seized the house and put it back on the market. On top of that, they were able to pass the risk off to mortgage insurer or package these mortgages as mortgage-backed securities. Easy money!
and what went wrong with our financial system? The whole thing was one big scheme. Everything was great when houses were selling like hot cakes and their values go up every month. Lenders made it easier to borrow money, and the higher demand drove up house values. Higher house values means that lenders could lend out even bigger mortgages, and it also gave lenders some protection against foreclosures. All of this translates into more money for the lenders, insurers, and investors. Unfortunately, many borrowers got slammed when their adjustable mortgage finally adjusted. When too many of them couldn』t afford to make their payments, it causes these lenders to suffer from liquidity issue and to sit on more foreclosures than they could sell. Mortgage-backed securities became more risky and worth less causing investment firms like Lehman Brothers to suffer. Moreover, insurers like AIG who insured these bad mortgages also got in trouble.
The scheme worked well, but it reverses course and is now coming back to hurt everyone with a vengeance.
2. 關於金融危機英語作文
slammed when their adjustable mortgage finally adjusted. When too many of them couldn』t afford to make their payments, it causes these lenders to suffer from liquidity issue and to sit on more foreclosures than they could sell. Mortgage-backed securities became more risky and worth less causing investment firms like Lehman Brothers to suffer. Moreover, insurers like AIG who insured these bad mortgages also got in trouble.The scheme worked well, but it reverses course and is now coming back to hurt everyone with a vengeance.
風蕭♂易水※ 回答採納率:16.7% 2009-06-05 20:26
3. 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
4. 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
5. 金融市場 英語作文100單詞
The financial market is also known as capital market, monetary market and capital market, is the financial market. The so-called financing, is refers in the economic operation of the financial buildingIn the process, both sides of supply and demand of funds use various financial tools to regulate capital surplus activity, all financial transaction activities. In the financial market is a variety of financial instruments, such as stock, bond, deposit etc.. Financing is the abbreviation of financing, generally divided into direct financing and indirect financing two. Direct financing is the fund supply and demand sides of direct financing activities, namely capital demand directly through the financial market to the society has a surplus of funds for institutional and indivial financing; correspondingly, indirect financing through banks refers to the financing activities, namely capital needs to take that to the bank and other financial intermediaries apply for loans financing. Financial market on all aspects of economic activities have direct influence, such as personal wealth, enterprise management, the efficiency of economic operations, are directly dependent on the financial markets activities. 望採納，我們也有這英語作文。。
6. 關於金融危機的英語作文
What Caused The Financial Crisis?
I think we can sum up the cause of our current economic crisis in one word — GREED. Over the years, mortgage lenders were happy to lend money to people who couldn』t afford their mortgages. But they did it anyway because there was nothing to lose. These lenders were able to charge higher interest rates and make more money on sub-prime loans. If the borrowers default, they simply seized the house and put it back on the market. On top of that, they were able to pass the risk off to mortgage insurer or package these mortgages as mortgage-backed securities. Easy money!
and what went wrong with our financial system? The whole thing was one big scheme. Everything was great when houses were selling like hot cakes and their values go up every month. Lenders made it easier to borrow money, and the higher demand drove up house values. Higher house values means that lenders could lend out even bigger mortgages, and it also gave lenders some protection against foreclosures. All of this translates into more money for the lenders, insurers, and investors. Unfortunately, many borrowers got slammed when their adjustable mortgage finally adjusted. When too many of them couldn』t afford to make their payments, it causes these lenders to suffer from liquidity issue and to sit on more foreclosures than they could sell. Mortgage-backed securities became more risky and worth less causing investment firms like Lehman Brothers to suffer. Moreover, insurers like AIG who insured these bad mortgages also got in trouble.
The scheme worked well, but it reverses course and is now coming back to hurt everyone with a vengeance.
7. 為什麼互聯網金融很重要英語作文120字
因為現在是互聯網金融時代，網路很發達，讓你寫120字的作業算是可以的，能寫出很多東西的，不是是英語的話就比較多。
8. 英語作文《我為什麼學金融》
你有一份快樂，和他人分享快樂就有了兩份。你有一份煩惱，和他人分享，煩惱專就剩一半了。分享是快屬樂的，是高尚的。
中午還是艷陽高照，到了下午，老天爺不知是遇到什麼傷心事而大發脾氣。天陰的可怕，瓢潑似的大雨急速從天空中落下來，撞擊著地面，地上一會兒就變得濕漉漉的。
我走在回家的路上，雨打的傘噼里叭啦的響。我心中暗自慶幸，還好今天我有先見之明，帶了把雨傘，不然不淋成落湯雞才怪。
我走著走著，便抱怨起天來：什麼怪天氣呀！一會兒晴一會兒雨的，害我褲子都被打濕了半截。我越想越生氣。
忽然，離我不遠處不知從哪兒冒出一個和我年紀差不多的女孩，她沒有帶傘，渾身被雨淋的濕漉漉的，她還不時打個噴嚏。
我心中突然有一種沖動，想和她打一把傘，和她分享。但很快我腦海里又出現了另一種聲音：「算了吧！我走我的，她走她的，互不相干。」
「可是，她好像要感冒了，老師不是常教育我們要幫助他人，學會和他人分享嗎？」「別傻了吧！她一來你不就會淋著雨嗎？」「不會的，我還是和她分享一把傘吧
9. 求一篇金融方面的英語作文
不是我寫的，。是網路上搜索到的
Advantages of Getting a Loan from the Bank for My Studies
助學貸款的好處
I am a College student from a farmer's family in a mountaineous area. A year ago, I was admitted to a famous university. Before entering the university, I was told that the necessary expenses ring my four years' study would cost nearly fifty thousand yuan. My parents had collected all the money there was to collect, including the money borrowed from their relatives, but it was hardly enough to meet the needs. Then,good news came that I could resort to the bank for a loan. I thought it was a good idea and so I did it.
My decision was based on the following considerations:
First, with the loan I can pay the tuition and support my life on the campus.
Secondly, I don't have to depend on my parents who are always worrying about the enormous family expenditure.
Thirdly, I will always have the pressure upon me which forces me to study the hard way.
Fourthly, I have to live a very simple life and save every coin possible. To sooner liquidate the debt, I sometimes work as a home tutor, sometimes a door-to-door salesman, sometimes a restaurant waiter.
Finally, while doing part-time jobs, I have accumulated a lot of social experience, bitter sometimes, sweet occasionally but happy all the time.
I think the above are the advantages the loan from the bank has brought to me. They are beneficial not only to my studies at the university but also to my future career, because I firmly believe in the saying that "Harsh life proces a diligent and intelligent man."
可以不咯？
10. 一般學金融的能選什麼工作英文作文
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.