有關金融危機的英語作文
下金融危機可以分爲貨幣危機、債務危機、銀行危機、次貸危機等類型。面是本站小編給大家整理的一些英語範文，供大家參閱!
有關金融危機的英語作文篇1
i am honored extremely stand in here for everybody lecture! we all knew that, now the world all is suffering the financial crisis, and many factories all already went out of business the bankruptcy, this also meant could have many people to face is coming off sentry duty. perhaps in school we regarding this realized is not very big, however we soon face the graduation, also meant must look for the work. already some people commented: the next several year university graduate, the graduation also on meant unemployment! although i not like this believed, but i still felt we should have one kind of crisis feeling, by faces the worst possible occurrence. therefore, also cannot again continue to waste in the university period time, that already was may not obtain extremely! therefore i hoped schoolmates, all can learn own diligently special course, in order to might find from now on most suits own work. 我很榮幸極爲站在這裏爲大家演講! 我們都知道，現在世界上所有正在遭受金融危機，許多工廠都已經倒閉了破產，這也意味着可能有許多人面對即將關閉站崗。 也許在學校，我們對這個認識是不是很大，但是我們很快面臨畢業，也意味着必須尋找工作。 已經有些人評論說：在未來數年大學畢業，畢業也意味着失業!雖然我不喜歡這樣認爲，但我仍覺得我們應該有一種危機感，所面臨的最嚴重的可能發生。 因此，也不能再繼續浪費在大學期間的時間，這已經是可能無法獲得極爲!因此，我希望同學，大家都可以瞭解自己的勤奮特殊當然，爲了可能會發現從現在起，最適合自己的工作。
有關金融危機的英語作文篇2
EVEN by the standards of the worst financial crisis for at least a generation, the events of Sunday Spetember14th and the day before were extraordinary. The weekend began with hopes that a deal could be struck, with or without government backing, to save Lehman Brothers, America's fourth-largest investment bank. It ended with Lehman's set for Chapter 11 bankruptcy protection and the bank preparing to wind itself up after those efforts failed. Other vulnerable financial giants scrambled to sell themselves or raise enough capital to stave off a similar fate. Merrill Lynch, the third-biggest investment bank, sold itself to Bank of America (BofA), an erstwhile Lehman suitor, in a $50 billion all-stock deal. American International Group (AIG) brought forward a potentially life-saving overhaul and went cap-in-hand to the Federal Reserve. 即使以至少一代人所經歷的最壞的金融危機的標準來看，上週六及週日(9月14日)的事件仍是非同尋常的。那個週末開始於拯救美國第四大投行雷曼兄弟的交易有望達成，無論有或者沒有政府的支持。然而卻以雷曼兄弟的所有努力均告失敗後，根據美國破產法案第11章申請破產保護而告終。其它脆弱的金融巨頭同樣努力地將自己賣出或是籌集足夠的資金以避免與雷曼相同的命運。第三大投行美林以500億美元全額換股交易將自己賣給了以前雷曼的收購者–美國銀行。美國國際集團(AIG)正在提出一個潛在的挽救重整方案，並且畢恭畢敬地照美聯儲臉色行事。
On Sunday night the situation was still fluid, with bankers and regulators working to limit the fallout. They were girding themselves for a dreadful Monday in the markets. Australia's stockmarket opened sharply lower on Monday (most other Asian bourses were closed). American stock futures were deep in the red too, and the dollar weaker. Spreads on risky credit, already elevated, widened further.
在週日晚上，形勢仍然非常不明朗。銀行家們和監管者都在努力減小這次事件的輻射影響。他們準備應付非常糟糕的"黑色星期一"。澳大利亞股市週一大幅低開(其它大多數亞洲股票交易所都停牌了)。美國股指期貨下跌非常厲害，同時美元匯率也走低。已經很高的信貸風險的息差變得更高。
The threat of impending financial disaster concentrates political minds wonderfully. On Thursday a group of Congressional leaders heard Hank Paulson, the Treasury secretary, and Ben Bernanke, the Federal Reserve chairman, paint a dire economic scenario if they did not approve a more sweeping remedy for the financial crisis. Student and car loans, not just mortgages, would all be harder to get. The economy would sink into a severe recession.
迫在眉睫的金融災難引起了相當多的政治關注。上週四，一羣國會領袖聽了財長保爾森和美聯儲主席伯南克所描述的，當國會不通過這項全面拯救金融危機的方案，經濟上將會出現的可怕場面。那時，不僅僅是抵押貸款，甚至連助學貸款和買車貸款可能都很難獲得。經濟將陷入嚴重的衰退。
For this reason, ad hoc responses will still be critical, such last week's federal guarantees for money-market funds, Fed loans to banks to purchase asset-backed commercial paper and, on Sunday, approval of the remaining two big independent investment banks, Morgan Stanley and Goldman Sachs, to become Fed-regulated bank holding companies whose investment bank units can now borrow from the Fed on the same terms as other banks.
基於這樣的原因，特別的拯救措施仍然非常關鍵，上週對貨幣市場的聯邦擔保，通過美聯儲購買資產抵押的商業票據對銀行的貸款，以及在週日允許剩下的兩家大型投行摩根斯坦利和高盛變爲美聯儲監管銀行控股公司，使其投行部分現在也可以向其它銀行一樣向美聯儲借錢。
It could be some time before the Treasury is able to purchase mortgages en masse, and longer still before that starts to affect the broader financial system and economy. In the meantime, the crisis could claim other victims.
財政部完成購買所有的抵押貸款可能還需一段時間，而此舉對整個金融系統和經濟發揮作用則更需時日。其間，金融危機的危害可能會波及更多的機構。
有關金融危機的英語作文篇3
Financial Crisis
As we known,there was tremendous shake which impacted America finance,even the whole world,happening in shake arose in America resulted in a financial crisis over the world.A number of companies were due to not hold the asset structure in the crisis,they had to declare bankruptcy.
Causes of Financial Crisis
From my viewpoint,the blame for causing the financial crisis is the responsibilities of capitalists and the hand,capitalists are tempted profits and aspire high-income
efore,large of financial corporations enrich the capital about
des,they ignore the degree of risk ,when finance shake
erupted,these companies could’t have sufficient capitals and strong power to hold the entire firms ,the corporations began bankrupting helplessly in the the other hand,it is one of main resons for the uselessness of a regulator,you should be conscientious to deal every financial ver,regulators is shortage of serious attitude and no coping with financial problems in lly,when regulators realized financial crisis arising,they had not been able to stabilize the economic circumstance.
Consequences of Financial Crisis
The financial condition faces the fierce impacts owing to great influence of the financial the stock market,the Dow Jones stock market index and NASDAQ index have fallen 33.84 percents and 40.54 percents since the end of addition,stock markets over the world are affected in varying degree,such as Chinese stock market,European stock market,Hong Kong stock market and so the finance,a great deal of firms invest various risk investment and decrease floating r leverages start losing the balance,hence they is weak and useless for facing the effect of financial r endings are none but example,Lehman Brother and Washington Mutual both declare the international trade,Chinese has the most substantial effects in the financial China,many oversea trading companies having no profits or bankrupting are due to the decrease of exports which Europe and the United States to now,lots of Chinese companies on the coasts don’t still walk away from the effect of financial crisis.
Inside Job
This part is a shadow where there are briberies between companies and of all investors consulted the quality rating before they want to ,it is a key for financing whether the firm owns the level of AA,even results that many corporations achieve the high degree from regulators by some regulators are greedy,there are so much the fake level of double A and treble is a said that inside job is the most important reason about bringing the financial crisis.
Introspection
Form my perspective,the government should enhance supervision and control the assessment of quality rating the economic environment is transparent and stable,the development of economic is healthy and moderate.
有關金融危機的英語作文篇4
Financial Crisis
Financial crisis, also known as financial tsunami, refers to the dramatic deterioration of the financial indicators of a certain country or several countries and regions in the world. It can be classified as currency crisis, debt crisis, banking crisis, sub-loan crisis, etc. The feature of the crisis is that people are pessimistic about the economic future because of monetary depreciation occurring throughout the region. The causes for the crisis are complicated with multiple reasons, mainly from three aspects, i.e., the U.S. consumption habits of borrowing, the idea of free economic management, and the economic environment and specific policy instruments.
有關金融危機的英語作文篇5
The recent upheaval in the financial sector has some people in a panic, most people bewildered, and others busy aiming their pointer fingers at whomever they think is guilty of doing something that contributed to this problem. The presidential candidates are in the latter category. They aren’t quite sure what to do or what to say, but that doesn’t stop them from saying something, anyway.
John McCain made a decisive statement, attempting to show leadership, but his statement was not a very
smart one. Barack Obama, by contrast, simply blamed Republicans.
Few things are as simple as politicians make them seem in an election year. Political candidates succeed by issuing pointed statements that are easy to understand and that connect with voters; truth and accuracy are not the primary concerns.
The important thing right now is to figure out what
actually happened in the financial sector, and fix things so it can’t happen again. We must ignore the
tremendous amount of speculation about what “might” happen, and the doom and gloom soothsayers who tell us that the sky is falling or that the end of the world draweth nye.
Because of its complexity the current financial situation invites simple political messages that connect with voters; it does not lend itself to full explanations that illuminate.
So, when Sen. Obama says that “it’s the
Republicans’ fault,” he is expressing a simple idea that a lot of people buy into, but doesn’t explain anything. It is a silly oversimplification unworthy of a man who would be President. It appeals to emotional prejudices and ignores inconvenient realities, and most important of all, it is just plain wrong.
When Sen. McCain suggested that Securities and
Exchange Commission head Christopher Cox didn’t do his job, and if he were president he would fire Mr. Cox, the Senator didn’t offer specifics. We’ll know more
about Mr. Cox’s role as time passes and we learn more
of the details, and can then judge if Mr. McCain’s simple message to voters about firing Chris Cox was a proper evaluation of the situation.
Sen. Obama described the current agony as "the most serious financial crisis since the Great
Depression,” ignoring all the recessions since then, even the ones in the 80s and the one following the 9-11 attacks, both arguably more serious crises. Of course, it remains to be seen just how serious this problem will ultimately be, but given Mr. Obama’s
abysmal understanding of things economic, we would do well to take his prognostications with a grain of salt.
The root of this problem is the housing market’s
subprime loan crisis. A subprime loan is a loan made to someone who under normal circumstances would not qualify for a loan, based upon their income and their ability to make payments. That beg the question: Why would a bank make a loan to someone it believes is unable to make the payments?
The Community Reinvestment Act (CRA) was given life during the Carter administration, and empowers four federal financial supervisory agencies to oversee the performance of financial institutions in meeting the credit needs of their entire community, including low- and moderate-income neighborhoods. Whenever an institution wants to make virtually any change in its business operation, such as merging or opening up a new branch, or getting into a new line of business, it must first prove to regulators at it has made ample loans to the government's preferred borrowers, those in low- and middle-income neighborhoods who normally would not qualify for a loan. Lenders with low ratings can be fined by the government.
The Carter administration used tax dollars to fund numerous "community groups" that helped the government enforce the CRA by filing petitions
against banks whose “cooperativeness” didn’t measure up, and sometimes stopping their efforts to expand their operations. Banks responded by giving money to
the community groups and by making more loans. One of those organizations was the Association of
Community Organizations for Reform Now (ACORN). An active associate of ACORN in the 90s was a young public-interest attorney named Barack Obama.
So, starting in 1977 the federal government began “encouraging”—perhaps “strong-arming” is a more accurate term—banks to make loans to people to whom they normally would not make a loan, and in 1995 the Clinton administration pushed through
revisions to the CRA that substantially increased the number and amount of these loans.
All of the bad loans weren’t caused by the CRA, of
course, but billions of dollars in CRA loans did go bad, as should have been expected. When Fannie Mae and
Freddie Mac came along and made it possible for banks to escape the risk associated with these ill-advised loans, conditions were just right for a large portion of the banking industry, even institutions that did not fall under the CRA, to become involved in making loans to
unqualified borrowers, and banks participated in big numbers.
The federal government’s fingerprints are all over this crisis, and the Democrats who are today so righteously indignant and blaming the administration are at least as guilty as the Republicans.
