关于金融的英语文章

1. 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 willproduce 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。

2. 金融类中英文对照的文章

The field of finance refers to the concepts of time, money and risk and how they are interrelated. Banks are the main facilitators of funding through the provision of credit, although private equity, mutual funds, hedge funds, and other organizations have become important. Financial assets, known as investments, are financially managed with careful attention to financial risk management to control financial risk. Financial instruments allow many forms of securitized assets to be traded on securities exchanges such as stock exchanges, including debt such as bonds as well as equity in publicly-traded corporations.金融，顾名思义，融通资金、使资金融洽通达，是指在经济生活中，银行、证券或保险业者从市场主体（例如、储户、证券投资者或者保险者等）募集资金，并借贷给其它市场主体的经济活动。从事这一业务的业者称之为金融业者。研究有关金融的学科称之为金融学。（详细请参看金融学条目）从广义上说，政府、个人、组织等市场主体通过募集、配置和使用资金而产生的所有资本流动都可称之为金融。因此，不仅是金融业者，有关政府的财政，行业企业的行为、以及个人的理财都是金融的一部分。金融可以看作为资金的募集、配置、以及投资和融资三类经济行为。行业企业募集资金的方法一般可以分为以下两类：直接融资：不经由银行，而是通过出售股票、债券等形式从投资者手中获得资金。 间接融资：通过银行间接地从投资者手中获得资金。要更详细的请到这个网站： http://en.wikipedia.org/wiki/Finance

3. 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

4. 金融论文英语参考文献

 20条精选金融论文英语参考文献
                    　　[1] nelson, c. r. & siegel, a. f. parsimonious modeling of yield curves [j], journal of business 1987(4): 473—489.
    
  　　[2] diebold，francis x and li, canlin..global yield curve dynamics and interactions: adynamic nelson-siegel approach[j],journal of econometrics,XX，10:351-363
  　　[3] bliss, r. r.. testing term structure estimation methods [j]. advances in futures and options research, 1997，9:197-231
  　　[4] tanner, e.，“exchange market pressures and monetary policy: asia and latin america in the 1990s” [c]5 working papers, imf,XX.
  　　[5] so, r. w., “price and volatility spillovers between interest rate and exchange value of the us dollar”[j], global finance journal,XX (1) :95-107
  　　[6] y.sahalia. testing continuous-time models of the spot interest rate [j], review of financial studies. 1996，9:385-426
  　　[7] vasicek 0,fong h g term structure modeling using exponential splines. journal of finance[j], 1982，37:339-348
  　　[8] duffle，d. and r. kan. a yield factor model of interest rates[j]，mathematical finance, 1. 1996，6: 379-406
  　　[9] ait—sahalia,y and r. kimmel. estimating affine multifactor term structure models using closed-form likelihood expansions[c] ? working paper,nber,XX.
  　　[10] engle，robert e autoregressive conditional heteroscedasticity with estimates of the variance of u. k inflation[j]. economica,1982，50:987—1008
  　　[10]chen，r.-r., and l. scott “maximum likelihood estimation for a multi-factor equilibrium model of the term structure of interest rates,”. journal of fixed income, december, 1993，12: 14-31 .
  　　[11] vasicek o. an equilibrium characterization of the term structure [j] ? journal of financial economics, 1977，5:177-188.
  　　[12] j. c. cox, j. e. ingersoll，s. a. ross. a theory of the term structure of interest rates [j]. econometrica, 1985, 53： 385-407
  　　[13] edmund m. a. kwaw and yen, resolving economic conflict between the united states and japan[m] . massachusetts institute of technolog. 1997: 189-220.
  　　[14] swanson，r.，rogoff，k.was it real the exchange rate-interest differential relation over the modern floating period[j] journal of finance, 1988，43: 359-382
  　　[15] chan, k.，chan, k.c.k karolyi, a.,intraday volatility in the stock index and stock index futures markets [j] review of financial studies 1991 (4) : 657-684.
  　　[16] kutan, j. and s. zhou，"mean reversion of interest rates in the eurocurrency market[j], oxford bulletin of economics and statistics,XX，63: 459-473.
  　　[17] park. information flows between non-deliverable forward (ndf ) and spot markets：evidence from korean currency [j]. pacific-basin finance journal，XX，9:363-377
  　　[18] roberta. michael f，exchange rate regimes in an increasingly integrated world [j]，economy，XX，34:109-132
  　　[19] prasad，e. ye. l_ the renminbi's role in the global monetary system[r], global economy and development at brookings,XX (2) : 169-185
  　　[20] nelson c r, sigel a f. parsimonious modeling of yield curve [j]. journal of business, 1987，60:473- 489.
    ;

5. 金融方面的英语

account number 帐目编号 
            depositor 存户 
            pay-in slip 存款单 
            a deposit form 存款单 
            a banding machine 自动存取机 
            to deposit 存款 
            deposit receipt 存款收据 
            private deposits 私人存款 
            certificate of deposit 存单 
            deposit book, passbook 存折 
            credit card 信用卡 
            principal 本金 
            overdraft, overdraw 透支 
            to counter sign 双签 
            to endorse 背书 
            endorser 背书人 
            to cash 兑现 
            to honor a cheque 兑付 
            to dishonor a cheque 拒付 
            to suspend payment 止付 
            cheque,check 支票 
            cheque book 支票本 
            order cheque 记名支票 
            bearer cheque 不记名支票 
            crossed cheque 横线支票 
            blank cheque 空白支票 
            rubber cheque 空头支票 
            cheque stub, counterfoil 票根 
            cash cheque 现金支票 
            traveler's cheque 旅行支票 
            cheque for transfer 转帐支票 
            outstanding cheque 未付支票 
            canceled cheque 已付支票 
            forged cheque 伪支票 
            Bandar's note 庄票，银票 
            banker 银行家  
            president 行长 
            savings bank 储蓄银行 
            Chase Bank 大通银行 
            National City Bank of New York 花旗银行 
            Hongkong Shanghai Banking Corporation 汇丰银行 
            Chartered Bank of India, Australia and China 麦加利银行 
            Banque de I'IndoChine 东方汇理银行 
            central bank, national bank, banker's bank 中央银行 
            bank of issue, bank of circulation 发行币银行 
            commercial bank 商业银行，储蓄信贷银行 
            member bank, credit bank 储蓄信贷银行 
            discount bank 贴现银行 
            exchange bank 汇兑银行 
            requesting bank 委托开证银行  
            issuing bank, opening bank 开证银行 
            advising bank, notifying bank 通知银行 
            negotiation bank 议付银行 
            confirming bank 保兑银行 
            paying bank 付款银行 
            associate banker of collection 代收银行 
            consigned banker of collection 委托银行 
            clearing bank 清算银行 
            local bank 本地银行 
            domestic bank 国内银行 
            overseas bank 国外银行 
            unincorporated bank 钱庄 
            branch bank 银行分行 
            trustee savings bank 信托储蓄银行 
            trust company 信托公司 
            financial trust 金融信托公司 
            unit trust 信托投资公司 
            trust institution 银行的信托部 
            credit department 银行的信用部 
            commercial credit company(discount company) 商业信贷公司（贴现公司） 
            neighborhood savings bank, bank of deposit 街道储蓄所 
            credit union 合作银行 
            credit bureau 商业兴信所 
            self-service bank 无人银行 
            land bank 土地银行 
            construction bank 建设银行 
            industrial and commercial bank 工商银行 
            bank of communications 交通银行 
            mutual savings bank 互助储蓄银行 
            post office savings bank 邮局储蓄银行 
            mortgage bank, building society 抵押银行 
            industrial bank 实业银行 
            home loan bank 家宅贷款银行 
            reserve bank 准备银行 
            chartered bank 特许银行 
            corresponding bank 往来银行 
            merchant bank, accepting bank 承兑银行 
            investment bank 投资银行 
            import and export bank (EXIMBANK) 进出口银行 
            joint venture bank 合资银行 
            money shop, native bank 钱庄 
            credit cooperatives 信用社 
            clearing house 票据交换所 
            public accounting 公共会计 
            business accounting 商业会计 
            cost accounting 成本会计 
            depreciation accounting 折旧会计 
            computerized accounting 电脑化会计 
            general ledger 总帐 
            subsidiary ledger 分户帐 
            cash book 现金出纳帐 
            cash account 现金帐 
            journal, day-book 日记帐，流水帐 
            bad debts 坏帐 
            investment 投资 
            surplus 结余 
            idle capital 游资 
            economic cycle 经济周期 
            economic boom 经济繁荣 
            economic recession 经济衰退 
            economic depression 经济萧条 
            economic crisis 经济危机 
            economic recovery 经济复苏 
            inflation 通货膨胀 
            deflation 通货收缩 
            devaluation 货币贬值 
            revaluation 货币增值 
            international balance of payment 国际收支 
            favourable balance 顺差 
            adverse balance 逆差 
            hard currency 硬通货  
            soft currency 软通货 
            international monetary system 国际货币制度 
            the purchasing power of money 货币购买力 
            money in circulation 货币流通量 
            note issue 纸币发行量 
            national budget 国家预算 
            national gross product 国民生产总值 
            public bond 公债 
            stock, share 股票 
            debenture 债券 
            treasury bill 国库券 
            debt chain 债务链 
            direct exchange 直接（对角）套汇 
            indirect exchange 间接（三角）套汇 
            cross rate, arbitrage rate 套汇汇率 
            foreign currency (exchange) reserve 外汇储备 
            foreign exchange fluctuation 外汇波动 
            foreign exchange crisis 外汇危机 
            discount 贴现 
            discount rate, bank rate 贴现率 
            gold reserve 黄金储备 
            money (financial) market 金融市场 
            stock exchange 股票交易所 
            broker 经纪人 
            commission 佣金 
            bookkeeping 簿记 
            bookkeeper 簿记员 
            an application form 申请单 
            bank statement 对帐单 
            letter of credit 信用证 
            strong room, vault 保险库 
            equitable tax system 等价税则 
            specimen signature 签字式样 
 

银行业务例文  

定期存款的条件为年利6%, 存期6个月以上，只要金额1,000元，我们均乐意接受。  
We shall be pleased to receive a fixed deposit for any amount more than $1,000, for a period over six months at the rate of 6% p.a.  
谨同函寄上新开定期存款第500号存折一份，面额100,000元，请查收为荷。该面额等于您寄来换新的旧存=折本金加上利息之和。  
Enclosed please find a new deposit certificate No. 500 for $100,000, which represents the principal and interest of the old certificate you sent us for renewal.  
如存款为100元以上，我们将乐意接受。  
We shall be glad to receive deposits of 100 yen and upward.

6. 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

7. 关于金融危机的英语短文

Financial crisis is generated by speculators but everyone has to pay the price for it. Speculators who are from the group of 1% people of the world, who has been monopolized the world’s financial and economy since war world II through US and UK influences.
 After physical war world II, smart business men start to realize that robbing fortune from other peoples don’t need to go through physical attack such as war, simply creating financial crisis which will rob huge fortune legally will do. Playing around the world economy and financial on their fingers, through financial tools such as forward and future contracts for currencies and commodities, control the publicity on financial analysis and economy report on various medias, peoples are fooled by these group of speculators into believing their lies and falling into their financial traps including governments. 
Nowadays, peoples started to accept financial crisis as natural disaster such as earthquake, tsunami,.. All of these are created by god to test them and to make them stronger.
Stupid governments of course will be very willing to push all the financial crisis problems and blames to god rather than learn a lesson from it. Besides, some of the governments’ VIP had been paid to become a helping hand to the financial crisis too.  Some business tycoons know about this secret but they also part of the speculators who make tones of money from it too. 
Democracy in US and UK is not a perfect model because the laws and rules and regulation in properties, commodities, shares and financial markets are set to protect the fortune of the rich rather to be fair and clean to all people.
Future and forward contracts are fake contracts, but they can be speculated to control the actual and spot contracts’ market price. This happened in foreign currencies exchange rate and commodities price such as oil and gold.
Lots of things need to be done in order to stabilize the financial market in order to maintain proper growth in developing countries. Appropriate financial and economy knowledge must be taught in the education system just like mathematic start from kinder garden.

8. 金融危机英语短文

Lasting more than one years, the American housing market crisis gradually 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.