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金融业是当代经济的核心与支柱产业之一，在经济生产和生活中扮演着至关重要的角色。它连接着各行业、单位、部门的生产经营，联系着社会千家万户。无论是各类金融实体，如商业银行、基金公司，亦或是每项金融业务，如投资、存储、贷款；无论你是一名金融机构的工作者，还是金融产品的使用者，金融活动已经愈发成为我们日常生活中不可或缺的一部分。可以说，金融时代已经悄然来临；而你我，准备好了吗？

1. We provide current savings account, time savings account and large deposit.

我们提供活期存款、定期存款和大额存款。

2. Remember you must think twice before leap.

记得千万要三思而后行。

3. Insurance spreads the risk of financial loss among a great many people.

保险使得金融损失的风险分散在很多人身上。

4. All the smartest minds say you have to hold stocks for the long term.

聪明的投资者的忠告就是要长期持股。

5. The Treasury Bond is very secure and can be transferred to other people without any prohibitions.

国库券安全性极高且可以不受任何限制地转让给他人。

1. Look at the rising price, how can I afford it?

看着日益高涨的房价，我怎么能承担得起？

—You can get a mortgage loan.

你可以按揭贷款。

2. How are your investments these days?

你的投资最近怎么样了？

—In this market my stocks are worth half of what they were 2 years ago.

在股票市场上，我现在的股票只值两年前的一半。

3. Are there any other good investment vehicles?

你知道有哪些其他好的投资工具吗？

—Option and future are on the list of various choices.

可以选择期货和期权。

A: Good morning. Can I help you, madam?

A: 您好！我能为您做些什么吗，女士？

B: I want to open a savings account and deposit some money.

B: 我想开个储蓄账户，存一些钱。

A: No problem, but what kind of savings account do you want?

A: 好的。请问女士您要哪种储蓄账户？

B: Sorry, I’m not sure, but could you give me some information for reference?

B: 对不起，我不太清楚。你能给我些信息以供参考吗？

A: Yes, my pleasure. We provide current savings account, time savings account and large deposit.

A: 好的，很高兴为您介绍。我们提供活期存款、定期存款和大额存款。

B: Are they different? Which is more favorable?

B: 这几种存款有区别吗？哪种对我更有利？

A: It depends. If it’s a current savings account, you can draw and deposit your money at any time, and if it’s time savings account, you can only draw your money at the pointed time. Unless you don’t want your favorable interest, you can advance your money drawing. And for large deposit, it’s similar to time saving account, but the interest rate is more favorable.

A: 这几种存款有区别，选择哪一种更合适，就要看情况了。如果是活期存款，您随时都可以办理存款取款手续；如果是定期存款，只有到期才能办理取款手续。当然，如果您要提前取款，就不能享受定期存款的优惠利息。大额存款和定期存款类似，但其利率更高。

B: Thank you. I think I’d like to open a current savings account.

B: 谢谢你。我想开个活期储蓄账户。

A: OK. Then please fill out this form and make your initial deposit. Here is your bankbook. By the way, would you like to have a look at the Peony Card of our bank?

A: 好的。请填好这张存款单并存入第一批款项。这是您的存折。对了，您对我行牡丹卡感兴趣吗？

B: What are the advantages?

B: 这个卡有什么好处？

A: Most of all, it’s convenient and efficient. The ATM can provide 24-hour service for credit card holders. You can do cash withdrawal, account checking, password modifying and funds allocating, etc. And the biggest advantage is you can purchase first and pay later.

A: 最重要的是它既方便又省事。任何自助取款机都为信用卡持有者提供24小时服务。您可以进行取现、查询账户、密码修改以及资金划拨等业务。最大的好处在于您可以先购物后付钱。

B: That’s great. That’s just what I want. Thank you.

B: 太好了。正是我需要的。谢谢你。

1. account账户，账目

［例］ I paid the cheque into a joint account.

我把支票存入了联名账户。

［例］ Deposit can be made at any branch.

在任何一家分行都可以存钱。

3. favorable 有利的，有助于……的

［例］ The terms of the agreement are favorable to both sides.

协议条款对双方都有利。

4. allocate 分配给……，拨给……

［例］ A large sum has been allocated for buyingnew books for the library.

已划拨了一大笔款项给图书馆购买新书。

A: You have been investing in stock market for such a long time. How do you feel?

A: 炒股这么长时间了。有什么感受呢？

B: There’re risks, and you may make money or lose money.

B: 股市有风险，有赚也有赔。

A: Yeah. It’s filled with risks all the time. I know it has been very bearish lately.

A: 是的。股市随时都有风险。我知道最近的股市一直走熊。

B: I bought shares of a stock in the Growth Enterprise Board. The earnings haven’t even covered the cost including handling fees, transfer fees and stamp tax, etc. Could you help me analyze the graph of the stock?

B: 我买了一只创业板的科技股。还没盈利呢。加上手续费、过户费、印花税，我反倒赔钱了。你能帮我看看这只股票的走势图吗？

A: Sure. As a whole, there was a major decrease over the period. But after that the stock price rebound from the middle January. There was a growth of the stock following the large cap.

A: 好的。总体来说，这只股呈下跌趋势。但一月中开始了第二波拉升。有随大盘上扬的趋势。

B: I checked the Annual Report of the company. There will be a dividend payment soon. I can be guaranteed a relatively secure yield.

B: 我看了公司年报。说不久会有分红。那收益是肯定的。

A: If it is true, I suggest you keep this stock in your portfolio.

A: 如果是真的话，我建议你把这只股保留在你的投资组合里。

B: Thank you. I’ll keep an eye on it.

B: 多谢。我会继续关注此股的。

A: Good luck! Remember you must think twice before leap.

A: 祝你好运！记得千万要三思而后行。

1. dividend 红利，股息，股利

［例］ I earned a dividend payment of 50 cents a share.

我赚到了每股50分的红利。

2. portfolio 投资组合，有价证券组合

［例］ I suggest you keep this stock in your portfolio.

我建议你把这只股票保留在你的投资组合里。

3. yield 利润，收益

［例］ This will give a yield of 8% on your investment.

这会给你的投资带来8%的利润。

A: I’m not very clear about how insurance works. So I come here to consult.

A: 我对保险的作用不是很清楚，所以特意来咨询一下您。

B: Oh, insurance spreads the risk of financial loss among a great many people. Each person pays a small monthly or yearly fee called a premium to an insurance company. In return, the insurance company promises to pay a specific amount of money to the insurer should specific event occur.

B: 噢，保险使得金融损失的风险分散在很多人身上。每个人按月或按年给保险公司缴纳保险费。反过来，保险公司也承诺，当有意外发生时会给付一定数额的钱给保户。

A: I see. The insurance company creates a large pool of fundsand makes large payments to the people who suffer catastrophic losses.

A: 我知道了。保险公司累积了一个巨大的资金池，并运用它对那些遭受重大损失的人进行大额赔付。

B: How many types of insurances do you provide?

B: 那么贵公司提供哪些种类的保险业务呢？

A: There are the main ones: automobile insurance, covering both legal liability claims against the driver and damage to the vehicle itself; property insurance provides protection against risks to property; life insurance provides a benefit to a decedent’s family or other designated beneficiary. You can have a look at these policies.

A: 主要有这些：汽车保险，既包括针对驾驶人的法律责任的索赔，也包括汽车本身的损坏；财产保险针对财产发生的危险提供保障作用；人寿保险对死者的家属或指定的受益人提供弥补。你可以看看这些保单。

（旁注）⑦ automobile/ liability/property/life insurance汽车/责任/财产/人寿保险

B: Wow! I think I have a clearer mind about insurance. Thank you very much for your patience.

B: 哇，我想我对保险有了更清楚的认识。非常感谢你这么耐心。

A: You’re welcome. Any questions or needs, please don’t hesitate to contact me.

A: 不客气。有任何问题，请尽管找我。

1. spread 使分散；使分布

［例］ We have 10,000 members spread all over the country.

我们有一万名成员分布在全国各地。

2. premium 保险费

［例］ They were selling everything at a discount.

他们销售的所有商品都打折。

A: I’ve heard you decided to buy a new house. Is that true?

A: 听说你决定买新房了，是真的吗？

B: Yeah, but look at the astonishing price, how can I affordit? My salary just allows me to become self-supporting.

B: 是啊，不过看看现在吓死人的高房价，我哪里买得起啊？我的薪水只够我自给自足。

A: To my best knowledge, you can get a mortgageloan. If you apply for conventional mortgage, you may need 30% down payment. According to your salary, I think you are eligible to buy a 1,000,000 RMB house.

A: 据我所知，你可以按揭贷款。如果你申请的是传统型的贷款，你可能要支付30%的首期款。就你的工资而言，我觉得你可以买一套100万的房子。

B: Er, too heavy financial burden and psychological pressure, you know!

B: 唉，但是会造成沉重的经济负担和心理压力。

A: Oh, be realistic! You can’t have your cake and eat it too.

A: 现实点吧！事情很难两全的。

B: I know, but it’s still a hard choice to make.

B: 我知道，但是做出选择还是有点难。

A: Why not consider second-hand? And you can choose whether to pay up the balance in 10 or 20 years.

A: 为什么不考虑下二手房呢？你还可以选择10年期和20年期还清。

B: Yes. You are right. If I get a house, I can save a lot of rent that costs a large proportion of my income.

B: 你说得对。如果我拥有一套房子，我就可以节省收入中的一大部分房租费用。

A: Yes, you can make a real family life.

A: 是啊，这样你就可以真正地过生活了。

1. afford 买得起，承担

［例］ She felt she couldn’t afford any more time off work.

她觉得再也抽不出时间歇班了。

2. mortgage 按揭（由银行提供房产抵押借款）

［例］ I have a monthly mortgage repayment.

我每月要偿还按揭贷款。

3. eligible 有资格的，合格的

［例］ When are you eligible to vote in your country?

你们国家几岁才有资格投票选举呢？

［例］ Please check your bank balance.

请核对您的银行结存。

A: How are your investments these days?

A: 这些天你的投资怎么样了？

B: What investments? In this market my stocks are worth half of what they were 2 years ago.

B: 什么投资？在股票市场上，我现在的股票只值两年前的一半。

A: Are you thinking of getting out?

A: 那你想过要退出股市吗？

B: No. All the smartest minds say you have to hold stocks for the long term.

B: 不。大多聪明的投资者的忠告就是要长期持股。

A: But I really doubt the stability in the investment. That’s why I never get into it.

A: 但我实在担心投资中的不稳定性。这就是我从来不投资的原因。

B: So what do you do with your money?

B: 那么你用你的钱来做什么？

A: I keep some in a high yield savings account with a reliable and stable bank. I’ve used some of it to buy gold. The price of gold always goes up when all other assets are down. My gold investments are now worth twice what I paid for them.

A: 我把一些钱作为高收益储蓄账户存在可信赖有保证的银行里。还有一些我用来买黄金。当其他资产价值下降的时候，黄金的价格总是上涨。我的黄金投资现在的价值是我投入时候的两倍。

B: Besides gold, are there any other good investment vehicles?

B: 那除了黄金，还有其他好的投资工具么？

A: Certainly. Such as treasury bonds, which is also called “Gild Edge”. It is very secure and can be transferred to other people without any prohibitions. Besides, option and future are on the list of various choices.

A: 当然。例如国库券，也叫“金边债券”，安全性极高且可以不受任何限制地转让给他人。除此之外，期权和期货也供备选。

B: That sounds good. I may ask my wife about these investments. Good to learn from you.

B: 听起来真不错。我回去和老婆研究下这些投资。跟你学习真不错。

1. worth 值……钱，有……价值

［例］ This question worths five points.

答对该题得五分。

2. transfer 转移，转让

［例］ He transferred the property to his son.

他把财产转让给了儿子。

1. 欧债危机（Europe’s debt crisis）的介绍及其缘由：

In 2001, when 17 European countries scrapped their national currencies and replaced them with the euro, the new “eurozone” bloc permitted some of its economically weaker members to borrow money more cheaply than they’d been able to do previously. As a result, many European countries, including Greece and Ireland, began to take on debt. By early 2010, investors began to worry that those countries might not be able to repay their obligations. Things got worse with the global economic downturn and then the crisis happened.

Europe’s debt crisis, which affected directly economic growth in the Euro zone, had created major uncertainties for the global economic recovery and might pose a challenge to the world economy and that China faces rising inflationary pressure.