法海唱征服
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。
有关这次金融危机的英语文章
Shanghai, an international city, is located in the east of China. With its world-famous landmarks such as Jin Mao Building, the Oriental Pearl TV Tower and Lujiazui financial centre（金融中心）， Shanghai has become most travellers' tourist destination.If you enjoy shopping , you can visit Nanjing Road and Huaihai Road . They are called “Shopping Paradise “ in Shanghai. You won't feel bored if you walk on these two roads and many goods（货物） will attract your eyes. If you enjoy eating delicious food, don't forget to visit Yu Garden and a lot of local snacks will wait for you there.Now that the World Expo has been held in Shanghai , lovely Shanghainese welcome you to visit Shanghai. Why not spread your wings and visit it ? It's your choice---Shanghai.
要有关会计的英语作文,不要太长,带翻译
What is Accounting? Accounting is an information science used to collect, classify, and manipulate financial data for organizations and individuals.Accounting is instrumental within organizations as a means of determining financial stability. Accountants are responsible for determining an organization's overall wealth, profitability, and liquidity. Without accounting, organizations would have no basis or foundation upon which daily and long-term decisions could be made. The budgets for marketing activities, profit reinvestment, research and development, and company growth all stem from the work of accountants. Accounting is one of the oldest and most respected professions in the world, and accountants can be found in every industry from entertainment to medicine. The accounting program at Saunders College of Business prepares students for a variety of career paths. Saunders College of Business, as a college within RIT, places an emphasis on technology and innovation in every program we offer. Our accounting program graduates have more than just a deep rooted understanding of the numbers side of accounting, they are also involved in the implementation of new accounting technologies; as well as taking leadership positions within the field.我自己试翻一下会计是什么会计是一种为单位或个人用来收集，分类和操控金融数据的信息学。
会计是决定单位金融稳定的有效手段。
会计从业者负责为一个单位的整体财富，盈利和流动资产作抉择。
没有会计，单位将没有对日常或长线投资作决定的基础。
对市场活动，利益再投资，研究，发展和公司扩展的预算都以会计从业者的工作为根据。
会计是世界上最古老和最受人尊敬的职业之一。
求一篇180词的英语作文！！！！
Consume excessive body heat and reduce body fat accumulation and maintenance of appropriate weight. Enhance cardio and promote blood circulation. Reduce suffering from heart disease, hypertension and diabetes, and other chronic diseases. Strengthen body resistance and reduce disease. Strong bones and prevent osteoporosis; Help welfare, and reduce confusion. Help improve the body, strong muscles. Increase the soft joints of the body and make more flexible, to reduce casualties. Improve sleep quality, more adequate rest. A more dynamic, more spirit, more efficient learning and work; Help relax, study or work with the removal of the stress. Tempered strong will, the courage to face challenges; Help increase self-confidence, to establish a healthy self-image. With family or friends to share fun opportunity for everyone feelings. Provide opportunities for understanding new friends and learn the spirit of cooperation in group activities. Quality fitness activities building quality leisure life management.
帮忙写一篇英语作文
woke up at eight,feeling drowsy. I brushed my teeth, and I went downstairs. Before going to school, i had breakfast - cookies and milk. I had to walk to school, and it was snowing outside. It was monday, and my first period was science. We had a quiz on periodic table of elements, i thought i did good. Afterwards I had business, it was easy. Finally, lunch was here. I ate a slice of pizza and i was no longer hungry. So then, I had English and French in the afternoon. I enjoyed learning French a lot, so it turned out to be not so boring after all. The bell rang and the school day was finished. I walked home. I finished my homework first, then i played piano for an hour. My mom was preparing dinner while i surfed on the Internet. After dinner, I continued to surf on the Internet as Mom kept on writing her novel. It was 10 o'clock and I took a shower and brushed my teeth, I went to sleep. It was a tiring day! my mother's day I have mother.My mother's day is very busy. And she has lots of things . She is a lobrious mother . so she always clean the house , sweep the floor and cook food for us. It's my mother's day.我的一天大学生活 My day of college life 7:35 闹铃响起，眯眼看表，决定再睡5分钟。
8:01 梦中惊醒，飞身起床，迅速穿衣。
8:05抓起牙膏牙刷毛巾狂奔入洗手间。
8:10洗嗽完毕，回寝室，拿起掉了五根齿的梳子对着中间有三条裂缝的镜子细心呵护一下自己的满头“锈”发。
8:12 背上书包，锁门。
跑步行军，目的地：教学楼。
8:15路过早餐店，买烧饼两个豆奶一杯。
边跑边吃，充分体现当代大学生珍惜时间热爱生命的良好精神面貌。
8:19:58抵达目的地，从后门闪进教室，入座。
8:20上课铃响，老师进来。
8:22抵挡不住剩下烧饼的诱惑埋头继续早餐。
8:24阵阵烧饼的香味笼罩在我的四周，引来众多同学或好奇或迷茫的观望，老师停止讲课，搜寻原因。
8:25正襟危坐，低头看书，紧锁眉头作深思状，迎接老师巡查的目光。
8:25风波平息，老师重新讲课，心中暗自称赞：大教室，真好！8:35早餐结束，用一种胜利者的微笑环顾了一下四周，满足的打了一个饱嗝。
8:36与隔壁老兄一见如顾，畅谈甚欢，立马歃血为盟。
8:40与盟兄逐个点评前排女生。
9:05点评结束，下课。
入厕9:17回教室（课间迟到 天经地义！）。
9:18开始看书听讲。
9:25书上的字越来越模糊，老师的声音也忽近忽远。
9:58被隔壁老兄拍醒，睁开迷糊的双眼问他：“您贵姓啊？”10:00被下课铃声吵醒，换教室，上电脑课。
10:05雄赳赳气昂昂闯进了机房。
一个字：爽！10:20开始上课，学习制表。
下载一QQ先！10:23敲入号码密码，开始热聊10:25老师巡查。
最小化窗口，工具栏属性设为自动隐藏 ，自定义QQ热键F2。
一切在2秒钟内完成。
10:35 制表完成，存盘，上交老师，继续热聊。
10:40网友发来一张神秘图片，收藏于邮箱中，然后深恶痛绝教导网友。
11:00进入多媒体教学，老师控制电脑。
11:10手握鼠标，胡乱而无奈滑着。
尘世间最痛苦的事莫过如此！11:58第一个冲出教师，直奔餐厅。
提前两分钟，避开大部队！12:20午餐完毕，荡入网吧。
12:25双击反恐，对战-局域网-加入游戏。
12:30选择土匪-从小就向往的职业，pk数小时，三次被菜鸟教训，痛心疾首，发誓将其干掉，无奈身上银子所剩不多，忿忿下机，走人。
2:30上课——午休时间。
3:30只见那只菜鸟被我打的屁滚尿流，抱头鼠窜，我乘胜追击，痛打落水狗，开心不已，哈哈嘲笑他：“小子，这回知道你大爷我的厉害了吧，哈哈哈哈！” This alarm sounded and narrowed eyes list, decided to sleep five minutes. Awake, get dressed quickly, and flying. 8:05 grabbed run into the bathroom toothpaste tooth brush towel. Cough finished, then wash to bedroom, took off five root tooth combs to the middle three crack mirror attentive caress your hair ＂rust＂ hair. 8:12 back schoolbag, to lock the door. Running marching, destination: teaching buildings. 8:15, buy pancake breakfast store pass two milk drink. On the run, fully reflect contemporary college students eat the good value their time love life spirit. 8:19:58 reached his destination, flash from the back door into the classroom, table. 8:20 the bell rings, the teacher came in. 8:22 resistthe temptation immersed continue left pancake breakfast. The smell of baked cakes and shrouded in my around, lead many classmates or curiosity or confused wait-and-see, teacher stop lectures, searching for reasons. Sit down and read lock eyebrows be thoughtful, polypoid, meet the teacher patrolled gaze. So storm subsided, the teacher to lectures, mind inwardly praise: big classroom, how nice! 8:35 after breakfast, with a winner smile looked round, satisfy of hit a satisfied ge. Next door for a man with such talk regardless what see, ShaXieWeiMeng immediately and huan. 8:40 and union one comment on front row girl brother. 9:05 comment on end, class is over. Lavatory 9:17 go back to the ...
金融英语和金融专业英语的区别
金融英语和金融专业英语没什么区别，反而两者的职称证书倒是有一些共同之处。
金融专业英语证书考试制度（Financial English Certificate Test，简称FECT）是1994年经中国人民银行和原国家教委联合发文（银发[1994]107号）批准建立的我国第一个国家级行业性专业外语证书考试制度。
为进一步完善金融专业英语证书考试制度，适应经济发展对金融人才培养所提出的新要求，金融专业英语证书考试委员会第九次工作会议讨论决定，自2009年开始，金融专业英语证书考试结构将进行适当调整。
调整后，原“金融专业英语证书考试（FECT）”更名为“金融英语证书考试（FECT）”。
金融英语证书考试（FECT）共设两级，分别为FECT综合考试和FECT高级考试。
FECT考试每年举办一次，考试成绩可用作金融系统员工录用、职称评定、职务晋升及出国培训人员或外派人员专业英语水平的参考证明。
速求一篇关于瑞士介绍的英语作文
国家：瑞士首都：伯尔尼RERNE所在地：欧洲中部历史：七百多年国土面积：41288平方千米官方语言：德语法语意大利语和罗曼语，英语也广泛应用主要城市：苏黎世ZURICH是全国最大的城市，也是世界金融中心之一日内瓦GENEVA和洛桑LAUSANNE为主要的国际会议、文化中心特点：山地占整个国家的四分之三，自然资源少，机器、钟表和巧克力制造业享有盛名，也以美丽的风景而闻名
英国文化 英语文章 一千字
近代早期英国国家财政体制散论在16-18世纪中叶英国社会所发生的深刻而广泛的变迁中，国家政权既推动或限制、规nbsp;nbsp；范着社会的变迁，又以自身的性质、职能的转变成为这场社会变迁的重要组成部分。
自nbsp;nbsp;16世纪绝对主义王权兴起之后，英国国家政权的统治职能在内涵与外延上都开始发生转nbsp;nbsp；变，17世纪的政治风云更使国家政权的阶级属性和统治方式、管理职能朝着近代化的方nbsp;nbsp；向前进。
君主立宪政体的确立使英国土地贵族、工商资本家、金融银行家等各个统治集nbsp;nbsp；团的利益获得了更为充分、更为有效的表达。
本文仅就英国国家财政体制在这一时期的nbsp;nbsp；转变和完善作一些探讨，以期能够加深和丰富对近代英国社会变迁的整体认识。
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