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联邦储备系统(英语:Federal Reserve System (Fed),简称美联储)是美国的中央银行体系,依据美国国会通过的1913年《联邦储备法案》而创设,以避免再度发生类似1907年的银行危机。

整个系统包括联邦储备委员会、联邦公开市场委员会、联邦储备银行、三千家会员银行及3个咨询委员会(Advisory Councils)。

美联储系统当年的主要职能包括:解决银行危机所带来的恐慌性问题。承担美国中央银行的角色,在银行的利益和政府的责任之间寻求平衡。监督和规范银行机构,保障消费者权益。

透过制定货币政策来管理国家的货币供应,解决潜在的冲突风险,扩大化就业,稳定市场的价格,包括防止通货膨胀和通货紧缩。适度的长期利率。维持金融系统的稳定性并控制金融市场系统性的风险。

为其他机构和美国政府,外国官方机构提供金融服务,包括操作美国的支付系统方面发挥重要的作用。促进地区之间的货币交换。了解地区的流动性需求,加强美国在世界经济中的地位。

作为美国的中央银行,美联储从美国国会获得权利。它被看作是独立的中央银行因其决议无需获得美国总统或者立法机关的任何高层的批准,它不接受美国国会的拨款,其成员任期也跨越多届总统及国会任期。

其财政独立是由其巨大的盈利保证的,主要归功于其对政府公债的所有权。它每年向政府返还几十亿元。当然,美联储服从于美国国会的监督,后者定期观察其活动并透过法令来改变其职能。同时,美联储必须在政府建立的经济和金融政策的总体框架下工作。

但是美国国会审计单位GAO对Fed 的审计是有限的,很多部分依然不在GAO审计之列,2012年8月Fed 开始公布的每季财报依然未经过审计。

利率

联邦基金利率是美联储执行其货币政策的重要手段,其它次要手段包括调整商业银行存款准备金率、公开市场操作和调整贴现率等。

联邦基金利率是一个银行互相支付过夜借款利息的利率,其交替影响著最低贷款利率,通常最低贷款利率高于联邦基金利率大约3个百分点。最低贷款利率是银行向其最好客户提供贷款的利率。

低利率透过降低借贷成本来刺激经济活性,使顾客和企业采购和建设更加轻松。高利率透过增加借贷成本来放慢经济发展。

美联储通常每次调整联邦基金利率0.25或0.50个百分点。从2001年初到2003年中,美联储13次降低利率,从6.25%一直到1.00%,以应付不景气。2002年11月,利率被降至1.75,许多利率都低于通货膨胀率。

2003年6月25日,联邦基金利率被降至1.00%,自1958年来的最低值,当时的过夜利率平均为0.68%。

从2004年6月末开始,美联储开始提升目标利率以回应对过于活跃的经济带来的日益增长的通货膨胀的可能的关心。例如2004年12月,利率随着一系列的微小提升而到了2.25%。

低利率时代英语

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零碎的回忆123

贷款利率 loan interest rate (loan rate)或是 lending rate

125 评论(14)

嘟嘟198887

问题是:和上流人士交往时,那些人所想要的常常比她能给出的要多

352 评论(9)

猫与老虎

不考虑上下文翻译如下:她能给予的达不到这些上层社会的人的期望,和他们交往会带来许多问题...翻译此句关键在语of后的定语关于定语从句的译法,已经看到不少文章。各种教程和专著中也有专门的章节加以论述。这里只举两个例子。 例1 The police are concerned for the safety of the 12-year-old boy who has been missing for three days. 那个12岁的男孩失踪三天了,警方对他的安全感到担忧。 例2 Each of London’s districts had a distinct character that marked it off from its neighbours. 伦敦的每个区都有鲜明的特征,与邻近地区不同。 例1的译文用了两个主谓结构,也可以说是两个并列短句。若译作“警方对那个已失踪三天的12岁男孩的安全感到担忧”,异文就因定语太长而不顺了。例2的译文用了一个主语带两个并列的谓语。总之,这两个例子,原文都是主从结构,而译文都是并列结构。这也正是英汉两种语言在句子结构方面最大的区别。 例3 Police investigating the train derailment have not ruled out sabotage. 警方调查火车出轨事件,没有排除人为破坏的可能。 例4 Any event attended by the actor received widespread media coverage. 这位演员参加任何一项活动,媒体都作了广泛报道。 例3和例4,原文各有一个分词短语*作定语:investigating...和attended by ...。例3的译文用了一个主语带两个并列谓语,例4的译文用了两个主谓结构,这和上回所说的定语从句的译法是完全一样的。译文中没有出现“调查火车出轨事件的警方”之类的话。 例5 He was the only one to speak out against the decision. 只有他站出来反对那项决定。 例6 He had long coveted the chance to work with a famous musician. 他长期渴望有机会与著名音乐家一起工作。 例5和例6,原文各有一个动词不定式短语作定语:to speak out … 和 to work with …。例5的译文直接把定语变成了谓语。例6的译文用了一个“连动式”(参看胡裕树《现代汉语》第363页),把原文动词不定式短语化作“连动谓语”的一部分。这样处理,译文比较简洁。我们设想一下,假如例5保持原文的结构,译为:“他是唯一一个站出来反对那项决定的人”,一个17个字的句子里,定语竟占了14个字,是不是显得长了一点? 例7 The cut in interest rates is good news for homeowners. 降低利率对于私房买主来说是个福音。 例8 I admire her coolness under pressure. 我佩服她在压力下能保持冷静。 例7和例8,原文各有一个介词短语作定语:in interest rates 和 under pressure。译文没有按原文的结构,译作“利率的降低”和“在压力下的冷静”,而是加了动词,译为“降低利率”和“在压力下能保持冷静”。我感觉,相对而言,英语名词用的多,汉语动词用的多。英语里常见一个句子只有一个谓语动词,剩下一大堆名词,用介词串连起来。这种句子译成汉语时,往往需要增加一些动词,这样才能使译文顺畅。 最后谈一谈单词作定语的问题。有人可能觉得,遇到单词作定语时,主要是个选词问题,只要选一个适当的词放在那里就行了。在有些情况下,也的确是这样,但有时也不这么简单。 例9 Loose clothing gives you greater freedom of movement. 衣服宽松,可以活动自如。 例10 I don’t want you mucking up my nice clean floor. 我这地板又干净,又漂亮,不想让你弄脏。 这两句译文都把定语变成了谓语,句子中间有停顿,听起来从容、自然。若照原文的结构,译成“宽松的衣服使你活动起来更为自在”和“我不想让你弄脏我干净漂亮的地板”,倒显得过于拘谨了。 例11 A few cushions formed a makeshift bed. 临时用几个垫子拼了一张床。 例12 His mere presence made her feel afraid. 他当时在场,这就足以让她害怕了。 这两句译文都把定语变成了状语,这也是翻译过程中常用的一种方法。汉语总说“拼了一张临时床”,听起来很怪,那就不如说“临时……拼了一张床”了。mere是用来加强语气的,但mere presense 在汉语里很难找到相应的搭配,只好在后半句用“足以”来加强语气了。 例13 With a few notable exceptions, everyone gave something. 人人都给了些东西,只有几个人例外,很是显眼。 例14 It’s been a nail-biting couple of weeks waiting for my results. 这两个星期等结果,弄得我坐卧不安。 这两句译文都把定语放到句子末尾来处理。notable和nail-biting在原来的位置上是很难译的,那就最后来处理吧。在汉语句子里,往往先说具体的事情,最后才评论、表态,或说出自己的感受。 定语是一种修饰语,状语也是一种修饰语,和定语有相似之处,这里就不多说了,请读者自己去琢磨。 在英译汉方面,除了理解问题外,我集中谈了一个定语问题。这是因为我在学习的过程中发现,许多句子问题就在于定语没有处理好,或者放大一点说,修饰语没有处理好。因此,把修饰语处理好,译文的质量就能提高一大步。不知你有没有同感。

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燕子138158

Skyscraper Index - go hand in hand with the economic crisis as a great economic power as the support of the buildings, skyscrapers are often seen as showing the public and politicians of economic prosperity, a sign of social progress. Some economists hold the opposite view that the emergence of skyscrapers, especially the skyscrapers of the record is refreshed, often indicates that the economy will decline. "High-rise built in the day, that is, when the market downturn" is Deutsche Bank Securities analyst Andrew • Lawrence published in 1999, sentenced to a statement. February 15, 2006, Lehman Brothers global economic conference held in Beijing, the Llewellyn, chief global economist of clients referred to the "skyscraper index" of prophecy: "If the global economic crisis has the possibility of It is likely in 2007 or 2008. "Lehman's chief economist predicted the 2007 economic crisis in 2008, but did not expect Lehman's centennial is in this crisis evaporated. The economy, the skyscraper is the glory or the curse? With the economic crisis, there is really so close between the link? In 1999, Andrew • Lawrence skyscrapers study are associated with the economic crisis, and this association known as the "skyscraper index." A new world record for every rise of skyscrapers, often accompanied by economic recession. Since the beginning of the 20th century, there were four rounds of the world of skyscrapers heat, and each time, are accompanied by economic crisis or financial turmoil. 20th century, 20 years, the U.S. economy turns for the better, the stock market again unprecedented prosperity, civil, commercial real estate construction triumph. During this period, three successively record the construction of skyscrapers. New York 40 Wall Street, Chrysler Building and the Empire State Building in succession from 1929 to 1931 for completion in three years, but the attendant prosperity is not new, but the unprecedented Great Depression. After being Americans called "golden age" of the 20th century, 60 years strong, sustained economic prosperity, the New York World Trade Center and the Sears Tower in Chicago began construction. 1972 and 1974, two new world record again, skyscrapers have been built, then there was a serious global economic stagflation. Skyscrapers and so closely associated with the economic crisis, it is difficult to understand the coincidence, then what is the reason for the economic crisis, it always go hand in hand with the skyscrapers? First of all, human nature. Among human side of the blind self-confidence. Embodied in the lack of knowledge of objective things, paranoia in the subjective perceptions of things. Lawrence found that the economic crisis of his links with the skyscraper known as the "Rise of pathological relevance," but such a phenomenon in human society has only existed for far more than a hundred years. Learn from history, we can easily find the course of history in our country, this kind of phenomenon has long been reflected. Shang dynasty flourished, the King Zhou Lu Tai Hing Construction, attracted widespread discontent amongst the ultimate self-immolation in Lutai; height of the Qing Dynasty when Emperor Qianlong built a large scale landscape, leading to national decline ultimately humiliating. Second, the interests promoted. In business practices, the pursuit of profit is a prerequisite. Before the economic boom, there is usually a low interest rate process, which is transforming the economy to the boom cycle is a prerequisite. In the process of economic prosperity, interest rates relative to earnings expectations for the future people who have always been low. Therefore, the interest will produce a series of pathways, that is, the interests of the aforementioned chain. Economic prosperity and relatively low interest rates, the value of land and capital costs have a direct impact. In land prices, and financial support for business needs posed by the interests of the three factors under the action of the chain, you can set a world record in the skyscraper scheme came into being. Like at night and day, summer and winter quarter, the economic boom period also exist. The price of any commodity will be the impact of supply and demand. After a storm, boom-bust, low interest rates, expansion of demand, the rising price of capital, and most people blindly optimistic attitude, which sets to generate the "golden state" constitutes a skyscraper needs, but this state is not sustainable. So, usually in the economy has entered a recession, just completed skyscrapers; in it really put into use, the economy is likely to have been in deep trouble. This leads to the economic crisis is always hand in hand with the construction of skyscrapers, often become dead to the world's first building boom of the monument.

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