关于金融英语作文

⑴ 关于金融危机的英语作文

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.

⑵ 关于金融危机英语作文

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.

风萧♂易水※ 回答采纳率:16.7% 2009-06-05 20:26

⑶ 金融类英语文章

您好
Planning a share portfolio
Tere is no shortage of tipsters around offering"get-rich-quick'opportunities.But if you are a serious private investor,leave the Las Vegas mentality to those with money to fritter.The serious investor needs a proper'portfolio'-a well-planned selection of investments,with a definite structure and a clear aim.But exactly how does a newcomer to the stock market go about achieving that?
5 Well,if you go to five reputable stock brokers and ask them what you should do with your money,you're likely to get five different answers-even if you give all the relevant infoumation about your age,family,finances and what you want from your investments.Moral?There is no one "right‘way to structure a portfolio.However,thereare undoubtedly some wrong ways,and you can be sure that none of our five advisers would have suggested sinking all(or perhaps any)of your money into Periwigs*.
10 so what should you do?We'll assume that you have sorted out the basics-like mortgages,pensions,insurance and access to sufficient cash reserves.You should then establish your own indivial aims.These are partly a matter of personal circumstances,partly a matter of psychology.
For instance,if you are older you have less time to recover from any major losses,and you may well wish to boost your pension income.So preserving your capital and generating extra income are your main 15priorities.In this ease,you'd probably construct a portfolio with some shares (but not high risk ones),along with gilts,cash deposits,and perhaps convertibles or the income shares of split capital investment trusts.
If you are younger,and in a solid financial position,you may decide to take an a ggressive approach-but only if you're blessed with a sanguine disposition and won't suffer sleepless nights over share prices.If you recognize yourself in this description,you might include a couple ofheady growth stocks in your 20 portfolio,alongside your more pedestrian investments.Once you have decided on your investment aims,you can'then decide where to put your money.The golden rule here is spread your risk-if you put all of *‘Periwigs’is the mame of a fictitious company.

⑷ 金融市场 英语作文100单词

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. 望采纳，我们也有这英语作文。。

⑸ 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。

⑹ 求一篇金融方面的英语作文

不是我写的，。是网路上搜索到的

Advantages of Getting a Loan from the Bank for My Studies
助学贷款的好处

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？

⑺ 金融你我他英语作文

选择专业啊。 。 。点击看详细首先，我建议你选择你自己的最佳利益。 。 。点击看详细这三版个专业方向，专权业术语科技英语应该是最大的，也是最难以回来。 。 。点击看详细财务和业务的一部分实际上是常见的。 。 。
我学习经济学和贸易，但财务方面的知识仍然参与其中。 。 。点击看详细作为商务英语，个人感觉非常实用。 。 。点击看详细然而，证书不是那么容易得到。 。 。点击看详细因此，最重要的利益。 。 。点击看详细然后，就试试吧~~~