1. 托收的英文案例
金融英語閱讀：外匯托收業務
Bank can provide various collection services both inside and outside the country. Upon receiving, the fund can be transferred to foreign exchange deposit, or be withdrawn in cash or be remitted abroad in line with the regulations. If you want to maneuver foreign exchange fund from other places because of job relocation or inhabitance registration transition, Bank can offer you the inter-city collection of deposit . If you have foreign currency notes, bills of exchange and checks, you can consign a business office of Bank to handle collection or discount. If you own personal property （such as bank deposits, safe-deposit boxes, house property, stocks, bonds and etc.） or legally inherited property abroad, bank can handle property inheritance and property collection proceres for you according to relevant proofs provided. 銀行能為您辦理境內境外多種形式的托收業務，款項收妥後可轉存外匯儲蓄存款，也可按規定支取外幣現鈔或匯出境外使用。 如您因工作調動或戶口遷移需要從異地調度外匯款項時，銀行可為您辦理儲蓄存款異地托收業務。 如您持有外幣本票、匯票及支票等，可委託銀行的營業網點辦理托收或貼現。 如您擁有私人在境外的財產（如銀行存款、保險箱、房產、股金和債券等）或合法繼承的境外財產，銀行可根據您提供的有關證明材料，為其辦理財產繼承及財產托收手續。
2. 求一篇關於金融的英語短文 然後又中文譯文 謝謝 急急急
China doesn't depend much on its trade surplus for growth any longer, according to a World Bank study, marking a sharp shift in the development model that helped turn China from an economic backwater into the world's second-largest economy.
While China's trade surpluses are expected to average around $200 billion in 2011 and 2012, the World Bank said, that is 2.7% of projected gross domestic proct, or just 0.2 percentage point of its expected growth, a much smaller percentage than in the past, thus recing the contribution total trade makes to China's growth.
Part of the reason for the diminished role for trade in China is meager demand in the rest of the world, which is struggling to recover from the global financial crisis, said Louis Kuijs, a World Bank senior economist in Beijing. But he also pointed to 'a structural process going on, coming from a strongly growing Chinese economy' that sucks in imports.
The World Bank study could make it more difficult for the U.S. to argue for further Chinese action on its currency, especially coming on the heels of a quarter in which China ran a small trade deficit.
U.S. political leaders for years have pointed to China's immense trade surpluses as evidence its currency is undervalued, and have pressed Beijing over and over to increase the yuan's value. The two countries are bound to tangle again over China's exchange-rate policy ring a meeting of top Chinese economic and political leaders and their U.S. counterparts in Washington on May 9 and 10. Since China let its currency float somewhat in mid-June 2010, it has appreciated 5%
據世界銀行(World Bank)的一項研究顯示，中國不再過多依賴貿易順差來實現經濟增長，標志著發展模式出現了重大轉變。過去的發展模式幫助中國從一個經濟封閉的國家成長為全球第二大經濟體。
世界銀行說，盡管預計2011年和2012年中國的貿易順差平均約為2,000億美元，卻只佔預計國內生產總值(GDP)的2.7%，對GDP預計增速的貢獻只有0.2個百分點，比過去要小的多，這樣就減少了總體貿易對中國經濟增長的貢獻。
世界銀行駐北京資深經濟學家高路易(Louis Kuijs)說，貿易在中國經濟增長中作用減小的原因之一是，其他國家和地區在努力從全球金融危機中恢復，貿易需求很小。不過，他也指出，現在正在進行一場由中國強勁增長的經濟推動下的結構性調整，對進口商品需求增大。
世界銀行的研究可能令美國敦促人民幣進一步升值的工作更加困難，特別是在過去的一個季度中國出現小額貿易逆差之際。
美國政府高層多年來一直說中國的巨額貿易順差證明人民幣被低估了，並一再敦促北京讓人民幣升值。在5月9日和10日華盛頓召開的中美戰略與經濟對話上，兩國註定要在中國的匯率政策上再次交鋒。自2010年6月中旬中國允許人民幣匯率在一定程度上浮動以來，人民幣已經累計升值5%。
3. 金融專業英語閱讀與金融英語閱讀教程(第2版)作者都是沈素萍，但這兩本書哪本更好一些
我不是金融專業的英語，所以幫不了你了，不好意思
4. 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。
5. 一篇關於金融方面的英語閱讀
到1970年代中期，美國聯邦儲備局(FED)將貨幣供應量的這一定義命名為M1。M2則在M1基礎上增加了公眾在商業銀行的定期存款和儲蓄存款，但不包括面值在100000美元或以上的定期存單。當時，M3包括M1和M2的所有項目，加上儲蓄銀行和信用儲蓄社(Savings and Loan Institutions, S&LS) 存款 。1980年代初期，M3又增加了信用合作社股票，美聯儲甚至定義了M4和M5的貨幣供應量。到1980年代中期，美聯儲已謹慎確定了M1 ， M2和M3貨幣供應量。20世紀90年代，這些定義只是偶爾發生一些小的修改。
小知識：
M1 是指狹義貨幣供應量， 對應的M2 是廣義貨幣供應量。
貨幣供應量(Monetary Aggregates) 是指某一時點一個國家流通中的貨幣量。它是分布在居民人中、信貸系統、企事業單位金庫中的貨幣總計。貨幣供應量是影響宏觀經濟的一個重要變數。它同收入、消費、投資、價格、國際收支都有著極為重要的關系，是國家制定宏觀經濟政策的一個重要依據。社會總需求與總供給的均衡，從需求方面看，主要決定於貨幣供應量是否適度。
人們一般根據流動性的大小，將貨幣供應量劃分不同的層次加以測量、分析和調控。實踐中，各國對M0、M1、M2的定義不盡相同，但都是根據流動性的大小來劃分的，M0的流動性最強，M1次之，M2的流動性最差。
我國現階段也是將貨幣供應量劃分為三個層次，其含義分別是：
M0：流通中現金，即在銀行體系以外流通的現金；
M1：狹義貨幣供應量，即M0＋企事業單位活期存款；
M2：廣義貨幣供應量，即M1＋企事業單位定期存款＋居民儲蓄存款。
在這三個層次中，M0與消費變動密切相關，是最活躍的貨幣；
M1反映居民和企業資金松緊變化，是經濟周期波動的先行指標，流動性僅次於M0；
M2流動性偏弱，但反映的是社會總需求的變化和未來通貨膨脹的壓力狀況，通常所說的貨幣供應量，主要指M2。
國際上大致的劃分是：
狹義貨幣（M1）=流通中的現金+支票存款（以及轉賬信用卡存款）
廣義貨幣（M2）=M1+儲蓄存款（包括活期和定期儲蓄存款）
另外還有M3=M2+其他短期流動資產（如果國庫券、銀行承兌匯票、商業票據等）
6. 金融類英語文章
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『 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.
7. 跪求關於經濟、金融類文章的英語閱讀網站。我想多點閱讀關於這方面的英語閱讀，銀行筆試急用~~先謝了！
那你看The Economist就可以了嘛，考研都好多是TE的文章
http://www.economist.com/
還有FT，但是FT可以閱讀的文章數量有限，應該是版TE難度和內容都最好權。
兄台，問題的關鍵是，銀行筆試的英語根本就不是經濟類的英語，就是很平常的英語啊，差不多是托業。你看托業題就夠了，不用看經濟金融的英語的……
8. 求一篇金融相關英文文章，翻譯出來要求3000字以上，最好連翻譯也有
奧巴馬麥凱恩激辯金融危機
據《今日美國》報道，在周二的總統辯論中，約翰－麥凱恩和巴拉克－奧巴馬互相攻擊，並提出了各自的應對美國金融危機的方案。
John McCain andBarack Obama exchanged blame and offered proposals to address the nation'sfinancial crisis ring Tuesday's presidential debate, USA Today reported.
麥凱恩承諾對那些苦苦掙扎的房主們施以援手，而奧巴馬則表示政府必須確保國家大規模救市方案按計劃實施。
McCain promisedaid to struggling homeowners and Obama said the government must assure themassive federal financial rescue package works as planned.
二人辯論的主題很快便集中在經濟問題上，當晚辯論主要圍繞著這一話題進行。
The debate focusedimmediately on the economy and stayed on it for much of the night.
麥凱恩提議財政部有條件地買進按揭壞債，並根據目前的房價和房主們進行再次協商。
McCain called forthe Treasury Department to buy up troubled mortgages — with some conditions —and renegotiate them with homeowners at the current value of homes.
麥凱恩說：「我們都清楚，只有我們穩定了美國的家庭價值觀，我們才能去創造就業機會、恢復我們的經濟。
McCain said,"We all know, my friends, until we stabilize home values inAmerica,we're never going to start turning around and creating jobs and fixing oureconomy,
此外，我們還得重建對美國的信任和信心。」
and we've got toget some trust and confidence back toAmerica."
奧巴馬稱最近的經濟低迷為「大蕭條後最嚴重的金融危機」，他表示政府必須確保簽署的金融救市方案按計劃實施。
Obama called thecurrent downturn "the worst financial crisis since the GreatDepression" and said the government must assure that the financial rescuepackage signed into law worked as planned.
他說：「我相信這將是對過去8年來布希政府高調推行的失敗的經濟政策的最終審判，而參議員麥凱恩就是這一政策的支持者。」
"I believethis is a final verdict on the failed economic policies of the last eightyears, strongly promoted by President Bush and supported by SenatorMcCain," he said.
辯論開始前幾小時，道瓊斯工業平均指數又暴跌508點。辯論在一片金融陰霾中展開。
The debate beganhours after the Dow Jones instrial average tumbled another 508 points, andthe resulting financial anxiety is looming large over the debate.
麥凱恩指責奧巴馬是參議院中收取房利美和聯邦住宅貸款抵押公司捐款的第二大個人，而這兩大公司正是目前名譽掃地的抵押貸款行業巨頭。
McCain accusedObama of being the Senate's second-highest recipient of donations fromindivials at Fannie Mae and Freddie Mac, the two now-disgraced mortgageinstry giants.
奧巴馬回擊稱，麥凱恩競選團隊經理戴維斯在華盛頓一家政治公關公司持股，直到最近，該公司每月都從聯邦住宅貸款抵押公司收到成千上萬的資金。
Obama shot backthat McCain's campaign manager, Rick Davis, has a stake in a Washington lobbying firm that receivedthousands of dollars a month from Freddie Mac until recently.
路透社報道，兩位候選人均誓言致力於使美國能源獨立。
Both candidatesvowed to focus on making theUnited Statesenergy independent, Reuters reported.
麥凱恩表示，核電是一項無污染能源，也將是解決氣候變化的關鍵。他還對奧巴馬進行了嘲諷。
McCain saidnuclear power was a clean source of energy that would be key to battlingclimate change and mocked Obama.
奧巴馬支持發展核電，並將其作為一個大能源計劃的組成部分。
And Obama said heapproved of nuclear power as one element of a broader energy plan.
美聯社報道，辯論話題還涉及外交政策方面，其激烈程度不亞於經濟和國內事務。
The debate alsoveered into foreign policy, and the disputes were as intense as on the economyand domestic matters, AP reported.
麥凱恩稱他的對手「在伊拉克和進軍問題上的觀點是錯誤的。」
McCain said hisrival "was wrong aboutIraqand the surge.
「在俄羅斯侵略喬治亞問題上，他（奧巴馬）對俄羅斯的看法是錯誤的。」
「He was wrong about Russia when theycommitted aggression against Georgia.」
「他的職業生涯很短，他還不了解我們國家在安全問題上所面臨的挑戰。」
「And in his short career he does notunderstand our national security challenges.」
「而我們沒有時間來進行在職培訓。」
「We don't have time for on the jobtraining.」
奧巴馬略帶嘲諷地回擊說，他確實不太了解一些事情，例如：多年來美國已經在伊拉克耗費了數千億美元後，今後，美國要如何面對阿富汗問題的挑戰。
Obama counteredwith a trace of sarcasm that he didn't understand some things — like how UScould face the challenge inAfghanistanafter spending years and hundreds of billions of dollars inIraq.
據路透社報道，辯論後哥倫比亞廣播公司和美國有線新聞電視網的一項快速調查都顯示奧巴馬在辯論中勝出。
Two quick pollstaken immediately after the debate, by CBS News and CNN, both judged Obama thewinner, Reuters reported.
路透評論道，麥凱恩可能不會再有扭轉競選局面的機會。
McCain could berunning out of chances to recast the race, Reuters commented.
離大選只有4周的時間，兩位候選人將在10月15日進行最終辯論。
With only fourweeks to go until the election, the two candidates will meet for one finaldebate on October 15.
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金融危機激增MBA申請人數
眼下的華爾街可謂哀鴻遍野，而美國各地的商學院卻因此振奮不已：全日制MBA課程的申請人數在2008年激增。
Business is bad onWall Street, and business schools across the country are bracing for theimpact: A surge in applications this year to their full-time M.B.A. programs.
金融市場一片混亂，美國經濟放緩，華爾街正在經受深刻的結構性變化。很多人決定，現在是回學校充電的好時候。
With financialmarkets in turmoil, the economy slowing down and Wall Street undergoing aprofound structural change, many people are deciding that now is a good time tohead back to school.
考慮邁入校門的人有些是此次金融業大裁員的犧牲品，另一些則覺得他們的飯碗即將不保。
Some would-bestudents are the victim of layoffs roiling the financial instry. Others thinktheir jobs could disappear soon.
即使目前工作還算穩定的MBA申請者也認為，利用這段時間攻讀研究生文憑是個不錯的選擇－－因為未來幾年的升遷和跳槽機會都會比較稀缺。
Even someapplicants whose jobs are currently stable are deciding that it makes sense togo for a graate degree now: since promotions and new opportunities could behard to find in the next few year
商學院還沒有關於申請人數的統計數字，因為大多數頂尖學校的第一輪招生截止日期是在10月中旬。不過，許多商學院表示，今年咨詢MBA課程的人增加了很多。
Schools don't haveapplication tallies yet -- as deadlines for the first round of admissions arein mid-October for most top-tier schools -- but many already are reporting bigincreases in interest.
紐約大學斯特恩商學院稱，今年參加其校外MBA推介會的人員增加了30%。
New YorkUniversity Stern School of Business reports a 30% increase in attendance atoff-site information sessions this year.
西北大學凱洛格管理學院的申請人數目前已增長22%。
Management has had a 22% increase inapplications so far.
芝加哥大學工商管理研究生院表示，其網上咨詢和推介會參加人數都有顯著上升。
Universityof Chicago GraateSchool of Business says it is seeing significant increases ininquiries online and attendance at information sessions.
今年，GMAT考試的注冊人數也在增加。
People are alsoregistering for the Graate Management Admission Test in greater numbers thisyear.
美國研究生入學管理委員會位於弗吉尼亞州McLean市，成員包括165家商學院。
According to theGraate Management Admission Council, a McLean, Va.-based membershiporganization of 165 graate business schools,U.S.
該機構稱，2008年1至9月GMAT考試的注冊人數達到129,902人，比去年同期上升5.1%。
GMAT registrationvolume for the first nine months of this year totaled 129,902, up 5.1% from thesame period last year.
這些數字反映出一種與以往的經濟衰退期類似的趨勢。
The numbersunderscore a trend that has occurred in previous economic downturns.
商學院和經濟學家說，研究生入學人數是反經濟周期的，也就是說，它與經濟景氣程度背道而馳。
Graateadmissions are countercyclical -- meaning that they move in the oppositedirection of the economic cycle, business schools and economists say.
由於次債風波的連鎖反應，這批MBA研究生畢業時，將面對一個完全不同的華爾街，就業市場可能很不樂觀。
When this year'sM.B.A. applicants graate, they will enter a dramatically different WallStreet and potentially smaller job market that has been altered by the rippleeffects of the credit crunch.
今年即將畢業的研究生已經感受到就業市場的低迷。
This year's newlyminted graates already encountered a tougher job market.
科爾說，在芝加哥大學，2008年畢業生中找到工作或有公司邀請加盟的人數比去年下降了約3個百分點。
At the University of Chicago, the percentage of 2008graates that either had offers or had already accepted them dropped roughlythree percentage points from the previous year, Ms. Kole says.
一些商學院表示，由於畢業後的就業前景不確定，因此目前有穩定工作的申請者可能會放棄進入商學院的機會。
Indeed, schoolssay not knowing what the job market will look like upon graation could detersome prospective applicants who have stable jobs from applying.
有些申請者則打算碰碰運氣。
Some applicantsare taking their chances.
其他研究生院也都預計申請人數會增加。
Other graateschools are also expecting increases in applicants.
學員們今年還要考慮另一個問題──次債危機使學生貸款很難申請。
Also a factor forstudents to consider this year: The credit crunch has roiled the market forstudent loans.
一直關注這一領域事態發展的FinAid.org負責人馬克-坎特羅維茲稱，2007年，有144家民間和政府教育貸款機構暫停了學生貸款。
In the past year,144 ecation lenders have suspended private and federal loans, according toMark Kantrowitz, publisher of FinAid.org, who has been following thedevelopments.
不過，坎特羅維茲說，商學院的學生應該可以找到貸款，因為很多貸款機構只是對本科生和成人教育學生暫停發放貸款。
Still, Mr.Kantrowitz says business-school students should be able to find loans. Manylenders, he says, have suspended loans for undergraate and continuingecation students but not graate loans
對這些貸款機構來說，「研究生貸款項目是最有利可圖的，因為貸款質量最高。」
For lenders,'graate student loans are the most profitable because the loan balances arethe highest,' he says.
然而，學生要想獲得私人貸款，可能需要提供更多的信用證明，而且貸款利率也會上升。
But students mayface tighter credit requirements in getting private loans and pay higherinterest rates.
9. 這兩篇金融英語的短文，求高人翻譯～急！！急！！
As food is to the body, so is learning to the mind. Our bodies grow and muscles develop with the intake of adequate nutritious food. Likewise, we should keep learning day by day to maintain our keen mental power and expand our intellectual capacity. Constant learning supplies us with inexhaustible fuel for driving us to sharpen our power of reasoning, analysis, and judgment. Learning incessantly is the surest way to keep pace with the times in the information age, and an infallible warrant of success in times of uncertainty.Once learning stops, vegetation sets in. It is a common fallacy to regard school as the only workshop for the acquisition of knowledge. On the contrary, learning should be a never-ending process, from the cradle to the grave. With the world ever changing so fast, the cease from learning for just a few days will make a person lag behind. What's worse, the animalistic instinct dormant deep in our subconsciousness will come to life, weakening our will to pursue our noble ideal, sapping our determination to sweep away obstacles to our success and strangling our desire for the refinement of our character. Lack of learning will inevitably lead to the stagnation of the mind, or even worse, its fossilization, Therefore, to stay mentally young, we have to take learning as a lifelong career.
10. 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