1. 求銀行方面英文文獻，資料
Interest rate marketability and our country State-owned Commercial bank countermeasure
Interest rate marketability connotation
The so-called interest rate marketability, is refers to the money market fund supply and demand both sides independent determination interest rate level interest rate decision mechanism vicissitude process 。Says specifically, the interest rate marketability is refers to the Central Bank to need to regulate the datum interest rate according to the monetary policy, various commercial bank saves the loan interest rate according to the fund market supply and demand change independent adjustment, Finally forms take Central Bank datum interest rate as the guidance, multi-level, can manifest fund supply and demand condition and the reflection Central Bank monetary policy intention interest rate operational mechanism fully。The interest rate marketability emphasis interest rate really reflected the fund cost and the supply-demand relation, effectively display its economical leverage nimbly。
一. Our country interest rate marketability reform existence question
Is opposite says in the Chinese economic reform and the opening to the outside world overall step, the interest rate marketability reform progresses slowly. Looked on the present situation that, our country not yet completely realizes the interest rate marketability, the interest rate control creates the interest rate this important price release lever to receive the serious restraint in the resources disposition aspect function, the interest rate structure distortion. Our country interest rate system marketability degree quite is also low, mainly displays in following several aspects:
1. The interest rate control degree is high, the interest rate level and the structure are incompatible, and the bank independency is restricted. The current our country interest rate policy movement environment controls the interest rate primarily, the interest rate level decision, the difference interest rate policy making and so on the related interest rate each aspect policy all by the government strict control, displays the high planning and closeness.
2. The interest rate level determination has certain subjective blindness; the rate adjustment flexibility is insufficient. At present our country interest rate level decision is makes by the monetary policy committee, the interest rate decision-making power high degree of concentration in the central authorities, the interest rate formulation and the adjustment has the serious time lag effect.
3. Lacks the effective market datum interest rate. On November 1, 2003, the NAP Standing Committee Cheng Sewer, vice chairman of the Forum, said: "The market-oriented interest rates, the key is to set the benchmark interest rate. The benchmark interest rate is determined, in order to determine the interest rate structure, risk structure. No established the benchmark rate, the interest rate market is a empty sentences. "Benchmark rate in the entire interest rate system has played a core role and prevents other interest rates, in a sense, the benchmark interest rate options and determine the interest rate market is the core of the reform steps.
二．Implements the interest rate marketability state-owned commercial bank significance
First, is advantageous to the expansion state-owned commercial bank right of autonomous management, the enhancement competitive power. After the interest rate lets loose, the bank had the independent fixed price power, may use this kind of right to independence and its flexible full display fully. The various countries' reform experience indicated that, after the interest rate marketability, the deposit real interest rate all has the different scope raise. The real interest rate rise will have the positive influence to the deposit, the attraction fund from bank systems and so on the stock market, black market accepts the human bank system, the enhancement commercial bank's competitive power. Next, is advantageous in raises the state-owned commercial bank management level. The interest rate marketability causes the fund price to let loose truly. Price competition between the banks presents the new ball game from this. But the price competition must rise take the low cost fund as the backing. In order to gain the low cost capital source, various bank in the financial proct, the marketing strategy, service method general unfolds manager respectively, this will intensify inevitably the competition intense degree, will urge the bank change management way, who will grasp is initiative who to be able to obtain market (In the new situation, the commercial bank guild cared about the interest rate market change situation and the international interest rate unlation tendency, and according to own situation, determines the cost scientifically, formulates the price reasonably, the enhancement economic accounting, strengthens its profit ability. It can be said that, the interest rate marketability reform, the interest rate proction mechanism transformation, is to a commercial bank management and operation from inside to outside comprehensive forging. Is once more advantageous in creates a relatively fair competition environment. The interest rate marketability and the money market consummation is a process which complements one another. The developed money market is the interest rate marketability reliable guarantee. Because in the developed consummation money market, the financial tool type is rich, financial main body multi-dimensional, the financing way is diverse, the competition is full, the interest rate can reflect fully the fund price, can guide the resources reasonable disposition, enhances the resources use efficiency. Otherwise, the interest rate marketability can promote the money market development consummation; The money market is the interest rate marketability advancement beginning, also will be carries on the risk management to the interest rate the place, the interest rate system change promotes the money market development. Finally, is advantageous in speeds up the microscopic main body the property right reform, interest rate marketability important condition is the state-owned enterprise and the state-owned commercial bank's property right must be clear. The property right is not clear, is not strong to the interest intrinsic budget restraint, exceeds the time limit the risk responsibility to attenuate, and cannot be keen to the interest rate reflection. At present, our country State-owned Commercial bank and very big part of state-owned enterprise's property right slurred, the interest rate market changed into its reform to provide the power, on objective impelled their property right reform.
三．The interest rate marketability causes the state-owned commercial bank faced with to challenge sternly
The interest rate marketability, is the historical stage which our country Commercial bank must pass through, can impel our country State-owned Commercial bank enormously the reform. But after the interest rate marketability, the interest rate level change does not decide, Our country Commercial bank which survives under the control possibly can develop the new financial tool for a long time to dodge the interest rate risk without enough time, will certainly to face the stern challenge, this displays in:
1．
Has enlarged the bank rate risk. After the interest rate marketability, the interest rate level ascension and the irregular unlation enlarge, intensified the bank vulnerability, ha have enlarged the bank rate risk. After the interest rate marketability, the interest rate level ascension and the irregular unlation enlarge, intensified the bank vulnerability, have the possibility to cause the bank crisis extremely the occurrence. As a result of our country long-term interest rate control, the interest rate by artificial force down, after the interest rate is let loose, the interest rate level can elevate inevitably. The analysis indicated that, in the credit activity, along with the real interest rate enhancement, the risk borrower more will become the bank by chance the customer, But loathes the risk originally the enterprise borrowers also favor in change oneself project the nature, enable it to have a higher risk and the income level. The cause property average horizontal drop in quality, the credit risk increases.
Moreover, from looked for a long time that, the interest rate change the fund supply and demand real-time influence, can unlate frequently, but the interest rate unlation namely meant risk existence. How forecast accurately the interest rate change tendency, the reasonable determination has the competitive advantage price water; how assigns scientifically saves, the loan deadline layout, maintains the best advantage bad level;
How forecast accurately the interest rate change tendency, the reasonable determination has the competitive advantage price water � How assigns scientifically saves, the loan deadline layout, maintains the best advantage bad level; How adjusts the property debt structure nimbly,
Enhances prepares pays the level, the active control interest rate forms fluid wind �? How will supervise perfectly restricts the mechanism, prevented has human sentiment interest rate risk and so on, these will all cause the commercial bank faced with the stern test.
2．Leads the service to the commercial bank to have the huge impact. Along with the interest rate marketability, various bank launches the intense contention superiority customer to save the loan war inevitably, the keen competition will cause to save the loan advantage difference large scale deflation. At the same time, the interest rate marketability impetus money market development, the massive enterprise temporary fund no longer rises in value through the deposit form, but is in the capital market, the money market puts in obtains the short-term to receive；Whether there is does the inhabitant also no longer excessively regard as important only contains the risk value deposit interest rate, pays attention contains the risk value the money market to receive �? The bank leadership service will be under the huge impact.
It can be said, after interest rate marketability, bank true competition magic weapon instead outside interest rate method. Because the monetary fund is highly the homogeneity commodity, the grade of service is more important, highly effective, the low cost manages finances the service enable the customer to have a higher income, has the attraction to the customer.
3．Proposed the challenge to the bank management and operation.
Under interest rate control system, regardless of is the interest rate level or counts the rest method all to have the country to decide, regardless of how the country does adjust saves the loan interest rate, all fully considered commercial bank actual situation, maintains the reasonable advantage bad level throughout. Commercial bank's interest rate management is extremely simple, so long as gives according to the People's Bank the fluctuation scope carries out the national interest rate level then, the interest rate change is limited, the interest rate risk is controllable. In such situation, the bank management is inevitably passive. But in under the interest rate marketability condition, the intense market competition forces the bank either to use the price method, through raises the deposit interest rate, reces the loan interest rate to attract the customer; Either depends upon the high quality service, through the function innovation, the proct innovation, the technological innovation satisfies the customer. But this request commercial bank changes present the management, the method and the organization system.
4．Proposed the challenge to the commercial bank staff quality. Along with interest rate marketability reform advancement quickening, the interest rate risk enlarge, will strengthen to the future interest rate trend analyzes and forecast oneself will be very urgent. The state-owned commercial bank seeks the financial professional who needs one batch of this aspect high quality, not only these people must have the deep theory foundation of basic skills, but also must have the rich commercial bank practice experience, Both must thoroughly understand the domestic interest rate change the unlation condition, and must be skilled in the forecast interest rate change tendency. But the present state-owned bank lacks generally can promptly effectively the control and the circumvention interest rate risk tool and the interest rate risk management professional, to the interest rate trend development forecast, the risk recognition and control is weak.
四．The state-owned commercial bank should to strategy
Along with the interest rate marketability advancement, the interest rate is more and more big to the state-owned commercial bank's influence, in this situation, the state-owned commercial bank should seek positively should to the strategy.
1．Establishment finance proct fixed price system. In the interest rate marketability situation, whether does the commercial bank draw up a science reasonable fixed price system, has the nimble effective quoted price ability, the realization risk �? Between 20 income balances,
Is key which whether it does develop continually. In this process, must establish the effective comprehensive income reckoning system, the overall evaluation customer comprehensive income which brings to the commercial bank，The customer credit risk size, the loan deadline length is the interest rate risk size, as well as commercial bank's collection fund cost and the operation cost share and so on the aspect questions。
2．Increases the middle service proct development ability, the adjustment profit structure. After the interest rate marketability, the bank saves, the loan favorable difference reces, the profit level reces, and this request state-owned commercial bank must develop the middle service vigorously. The bank may while develop positively receives on another's behalf, pays on another's behalf and so on service, uses the commercial bank market main body qualifications fully, positively provides the proxy for other financial organ to distribute the bond, the silver card account transfer, the proxy insures, the fund trust, the broker manages finances, The property management, financial consultant, the investment consultation and so on, enhances the middle service to buy a girl child, on own initiative develops the low risk, the high income middle service new variety positively, promotes the bank large scale by this profit ability, promotes the bank sustainable development.
3．Establishes nimbly, the highly effective interest rate management organization, trains the interest rate managerial talent vigorously. According to the Bethel bank supervising and managing committee about the bank effective supervising and managing core principle request, under the interest rate marketability environment, various commercial bank must set up the specialized interest rate risk management department, manages and instructs the entire good interest rate work, Coordinates and coordinates inside and outside the bank to be connected the work. The interest rate control section's most important task is carries on the comprehensive interest rate sensitive tube on the bank asset debt level ; Exterior determination, internal advantage � The definite general headquarters to branch office's interest rate authorization, are responsible for staff interest rate risk management training and so on. In addition, but also should establish the high interest rate information communication channel, after the interest rate marketability, the commercial bank interior enhances greatly about the interest rate information transmission effectiveness, guarantees can transmit promptly general headquarters formulation each interest rate to commercial bank's any business mesh point, guarantees the commercial bank interest rate policy the unity.
4．Speeds up the state-owned commercial bank the property right reform. Stipulated according to "Law of corporation" that, the commercial bank belongs to the competitive profession, does not need to adopt the state-owned sole ownership property right, and does not have the legal barrier to its joint stock system transformation. To the state-owned commercial bank's property right reform, its concrete transformation form establishes the joint stock system commercial bank. The reality in China, in accordance with international practice, and graally achieve solely by the state to transform the state-owned holding company, and ultimately joint-stock limited companies, and establish corporate system of corporate governance institutions, the establishment of the right to operate, ownership and the right to supervise the separation of the framework, China's commercial banks to become real significance of commercial banks, do business operations.
字太多，發布下，你再見個問題吧，我回答。
率市場化與我國國有商業銀行對策
利率市場化的內涵
所謂利率市場化，是指金融市場資金供求雙方自主確定利率水平的利率決定機制的變遷過程。具體講，利率市場化是指中央銀行根據貨幣政策的需要調控基準利率，各商業銀行根據資金市場的供求變化自主調節存貸款利率，最終形成以中央銀行基準利率為引導，多層次、能夠充分體現資金供求狀況和反映中央銀行貨幣政策意圖的利率運行機制。利率市場化強調利率真實地反映資金成本與供求關系，靈活有效地發揮其經濟杠桿作用.
2. 求倫敦塔橋的英文簡介~
Tower Bridge is a combined bascule and suspension bridge in London built between 1886 and 1894. The bridge crosses the River Thames close to the Tower of London and has become an iconic symbol of London. Because of this, Tower Bridge is sometimes confused with London Bridge, situated some 0.5mi (0.80km) upstream. Tower Bridge is one of five London bridges now owned and maintained by the Bridge House Estates, a charitable trust overseen by the City of London Corporation. It is the only one of the Trust's bridges not to connect the City of London directly to the Southwark bank, as its northern landfall is in Tower Hamlets.
中文翻譯：（塔橋是倫敦1886至1894年間建成的組合式懸索橋。這座橋橫跨泰晤士河畔，靠近倫敦塔，已成為倫敦的標志性標志。因此，塔橋有時與倫敦橋混淆，位於上游約0.5英里（0.80公里）處。塔橋是現在由倫敦城市公司監管的慈善信託機構「橋屋庄園」擁有和維護的五座倫敦大橋之一。這是唯一一座不直接連接倫敦城和南華克銀行的橋梁，因為它的北部落地是哈姆雷特塔。）
(2)信託rise擴展閱讀：
文化遺產：倫敦塔塔群建築，包括多次重建的的防禦措施和國王王宮，威克非塔、聖托馬斯塔等眾多塔樓以及核心防禦措施--白塔，以及「叛離者之門」等建築。
1988年根據文化遺產評選標准C（II）（IV）被列入《世界遺產目錄》。
世界遺產委員會評價：
具有羅馬人建築風格特點的白塔，是影響整個英國建築風格倫敦塔的巨大建築物。倫敦塔是威廉沿泰晤士河建造的，目的是為了保護倫敦，並宣稱此地是他的領土。倫敦塔是圍繞白塔建造的一個十分有歷史意義的城堡，也是王室權力的象徵。
3. 世界上最高的大樓在什麼位置有幾層多少米都住的是什麼人
世界第一高樓，台北101 （Taipei 101），前名台北國際金融中心（Taipei Financial Center），設計師李祖原。位於台北市信義區的一幢摩天大樓，樓高508米，地上101層，地下5層，是目前全球最高的摩天大樓。其英文名稱Taipei 101除代表台北，還有「Technology、 Art、 Innovation、 People、 Environment、Identity」之意義。
台北101的主樓旁邊還有一棟6層樓、總高60米的裙樓（podium），規劃為購物中心及銀行、證券行，裙樓內有挑高40米的豪華室內廣場。
因應高空強風及台風吹拂造成的搖晃．台北101設置了「調和質塊阻尼器（tuned mass damper）」，是在88-92樓層掛置一個重達680公噸的巨大鋼球，利用擺動來減緩建築物的晃幅。
防震措施方面，台北101採用新式的「巨型結構（megastructure）」，在大樓之四個外側分別各有二支巨柱，共八支巨柱，每支截面約3米長、2.4米寬，自地下5樓貫通至地上90樓，柱內灌入高密度混凝土，外以鋼板包覆。
列入吉尼斯世界紀錄的最快速電梯，有兩部，為觀景台使用，其最高速率可達每分鍾1010米，相當於時速60公里，從1樓到89樓的室內觀景台，只需37秒。另外，它也是世界最長行程的室內電梯。
89樓的室內觀景台，其出入口在5樓，全票票價為新台幣350元，優待票票價為新台幣320元。營運時間為周二至周日上午10：00至晚上22：00，周一休館。而91樓的世界最高室外觀景台已於2005年9月16日對外開放。（門票新台幣400）
台北101大樓夜間燈光選擇彩虹七種顏色，每天固定一種顏色，如星期一是紅色、星期二是橙色、星期三為黃色、每日落日時間開始點燈至晚上10點。
4. 在中國的日本貨與日本企業（請詳細
汽車類：本田、豐田、3菱、鈴木、馬自達、尼桑、5十鈴等
服裝類：美津濃、伊都錦 等
化妝品類：曼秀雷敦、高絲、花王、蘇菲、東洋之花等
電子電氣類：索尼、松下、東芝、富士通、卡西歐、佳能、尼康、日立、先鋒、理光、兄弟、夏普、NEC、京瓷、3洋、柯尼卡美能達、雅馬哈、山水
5. 高分求一篇關於最近經濟危機的英文文章,最好是有評論的```
紐約：經濟危機殃及餐飲業
New York's vaunted restaurant scene is in for some lean times, according to the newest Zagat survey released on Tuesday, with price hikes coming at a time when diners say they are eating out less often and spending less in the face of dire economic conditions.
"Restaurants are clearly feeling the pinch from the economic crisis," said Tim Zagat, founder of the survey now in its 30th year which bases its food, decor and service ratings for some 2,000 restaurants on feedback from restaurant patrons.
But he added that the instry would weather the hard times, just as it did following the 1987 stock market crash and the September 11 attacks.
The pullback was not limited to diners, either, the survey found. Restaurant openings declined for the first time since 2003, down to 119 from last year's 163, and 187 just three years ago.
Nearly 40 percent of the survey's 38,000-plus respondents said they were coping with the shaky economy by eating out less often, and by patronizing less expensive restaurants.
All this in a year in which Zagat found prices up 3.3 percent, or far more than the one percent annual hike that prevailed over the past six years. High-end diners were hit even harder, with a nearly 10 percent tab increase.
The average tab in New York was $40.78, still less than the steepest US total of $44.44 in Las Vegas, and far behind other world capitals such as Paris, Tokyo, and even Toronto.
The bracing findings were one explanation for a spate of new burger, pizza and barbecue places that popped up this year, the survey noted. Even celebrity chefs such as Alain Ducasse and Jean-Georges Vongerichten opened bistros or noodle shops.
Any good news mostly centered around establishments that topped the ratings. Per Se nabbed the top spot for the first time for both food and service, with diners citing an "unforgettable, transcendental gastronomic marathon" -- with an average $303 tab to match.
The ratings cellar was once again reserved for theme restaurants like American Girl Place or Hard Rock Cafe, but celebrity hangout Elaine's scraped bottom with even lower marks for service and décor.
據Zagat調查公司本周二發布的一項最新調查顯示，紐約的高檔餐廳如今可是生意慘淡。受經濟危機和物價上漲的影響，紐約人不再像過去那樣經常「下館子」，餐飲支出也有所減少。
該調查的發起人蒂姆•扎格特說：「餐飲業已明顯感到經濟危機的影響。」這項已有30年歷史的年度調查主要根據食客的反饋評估紐約約2000家餐廳的菜品、裝修和服務。
但扎格特認為，這次餐飲業最終會度過難關，就像挺過1987年的股市崩盤和「9/11」恐怖襲擊一樣。
此外，調查發現，少的還不僅僅是食客，今年紐約新開張的餐館數量自2003年來首次下跌，從去年的163家減少至119家，而三年前則為187家。
在3.8萬多受訪者中，近40%的人稱他們為了應對眼下的經濟危機，已經不經常出去吃飯，或者選擇去較便宜的餐館就餐。
Zagat調查發現，今年紐約的餐飲物價整體上漲了3.3%，大大超過過去六年所保持的1%。其中高端消費者倍受打擊，價格漲幅達到了近10%。
在紐約出去吃一頓飯平均花費為40.78美元，低於全美最高的、拉斯維加斯的44.44美元，比起巴黎、東京甚至多倫多等其它國家的首都則要低得多。
調查指出，這些「鼓舞人心」的發現可以解釋為什麼今年紐約冒出了很多漢堡店、皮薩店和烤肉店。就連阿蘭•杜卡斯和希恩-喬治四•沃格里騰這樣的名廚也開起了小酒館或拉麵館。
好消息大都關於那些在評級中名列前茅的餐館。Per Se首次摘得菜品和服務「雙科冠軍」，食客們對它的評價是「令人難忘、無與倫比的美食享受」，這家餐廳的平均消費為303美元。
主題餐廳「美國女孩」和「滾石咖啡」再次墊底，但名人會所Elanie』s 的服務和裝修這兩項指標得分更低，排在最後一名。
經濟危機：我們老百姓能做些什麼？
Billions of pounds have been wiped off the value of shares after recession fears sparked panic selling across the world. The experts say there is more pain to come - and everyone will eventually feel the impact of the market downturn.
I have shares, should I worry?
If you are still holding stocks and shares in indivial companies you're either a hardy soul or have been burying your head in the sand as the markets have been jittery since the start of the year. "This is fairly late in the day - nervous investors will have already moved into cash or safer investments," says Martin Bamford, an independent financial adviser at Informed Choices.
Baby
If you do hold money in the market you need to decide if it is time to crystallise your losses, or if you have the stomach to sit tight and hope for a recovery. Parents who have invested their child trust fund (CTF) voucher in the stockmarket should not be too alarmed - there are years to go before the money can be withdrawn, or in the case of a stakeholder CTF is moved to safer investments, in which time the market could recover.
I moved my money - will I be OK?
It depends where and when you moved it. Money market funds, which had traditionally been seen as a safe haven for investors, have been falling too, while commodities prices have also been dropping. Property funds are doing badly and even cash accounts, which used to be regarded as the safest of safe places to put your money, have had a bad week with the collapse of Icesave. Fixed-interest securities, which traditionally do well when stock markets fall, have failed to ignite this time round, but Bamford reckons they will bounce soon. But he adds: "There is risk in every type of asset class in a recession."
My pension is invested in the stock market. Should I be worried?
Most people start moving money into safer investments as they near retirement, so those with pensions invested in stocks and shares should still have time on their side. However, Bamford says there will be some people approaching retirement who are still exposed to the markets. "There will be people who have been completely caught out by this," he says. "They might have to reconsider their plans for retirement - the timing and their lifestyle may have to be different."
Earlier this week, Hargreaves Lansdown said the value of personal pensions had fallen by a fifth since last year. The latest wave of falls will have wiped even more off their value. However, the firm's head of pensions research, Tom McPhail, says if you have more than 10 years until retirement the best strategy "is just to ignore what is going on at the moment". He explains: "This will all have probably played out by the time you get to retirement, so you should keep paying your regular contributions to your pension."
I have an occupational pension - will I be hit?
You could be. If it is a defined contribution scheme, where the amount you receive when you retire depends on the performance of the assets in which it is invested, then you are in the same boat as anyone with a personal pension. If you are about to retire the company operating your work pension should have been moving your share of the money into safer assets, so you won't be hit too hard. If you have years to go before you finish work, then there is time for losses to be recovered.
If you have a final salary scheme, where the amount you get is linked to your earnings, then you will be insulated from the falls in the short term, says McPhail. "In the medium term it will have an impact, though. One result that we will see is final salary schemes closing at a faster rate than at the moment."
Ros Altmann, an independent pensions analyst, says most employers are likely to give up on final salary schemes: "Most of them were in deficit before the market falls, and almost all will be now." More worrying, she says, is that if your company fails and you end up having to claim your pension through the Pension Protection Fund, you will only get 90% of what you had saved.
My pension has plummeted and now I have to buy an annuity
Unless you have reached 75, at which point the rules say you have to use your fund to buy an annuity to provide you with an income, you might want to sit tight in case the market recovers. The sum of money you have with which to buy the annuity will determine how much you have to live on for the rest of your life, so you might want to wait to see if your fund recovers some of its value and you can buy a better income. The government is considering suspending the rules so that those who have reached 75 can also wait.
However, McPhail warns: "The risk of not cashing in your investment is that there is no certainty that the market will recover soon." And while you wait for it to bounce back, annuity rates could fall. "If you are keeping your money in the market waiting for a recovery, then keep your eye on annuity rates too," he says.
If you are concerned, it would be wise to take advice.
I don't have shares or a pension - will I be OK?
"It's easy to see it as just problems in the financial markets, but this is going to have a knock-on effect on everybody," says Bamford. "The only questions are to what extent and how long it will take to feel the impact."
As the FTSE falls value is knocked off the UK's biggest companies, leaving them with less money to invest. Instead of expanding their businesses they could start recing staff numbers, leading to rendancies.
Those companies do not exist in a vacuum - they do business with other firms who will also be hit if they start to rein in their spending. Workers everywhere could eventually feel the impact of the downturn.
Is there any good news?
A little. The price of oil has slumped in recent weeks, which should mean cheaper petrol and could ultimately push down gas prices. Interest rates have been cut by 0.5% this week and further cuts are likely as the Bank tries to prop up the UK economy, which is good news for the third of borrowers on tracker mortgages. And while base rate cuts are usually bad news for savers, the fact that banks and building societies are seeking cash means they are still offering attractive interest rates on deposits.
經濟衰退導致的恐慌性拋售導致股票市值被抹去了數十億英鎊。專家們說，這還不算完呢－－最終，每個人都會感受到市場低迷的沖擊。
我是持股人，我該擔心嗎？
如果您手中仍有個別公司的股票，不是心理承受力特強的話，那就是從年初市場動盪的時候開始就一門心思死扛了。馬丁.班福特(Martin Bamford)，Informed Choices公司的獨立財經投資顧問說：「現在已經太晚了，穩健的投資者轉成了現金或更安全的投資領域」。
如果您在市場中資金，那割肉的時候到了；或者，您有安安穩穩坐等經濟恢復的本事。向兒童信託基金投資（CTF）的父母無需太過擔心－－離取出這些錢還有相當長的一段時間，否則，若CTF的持股人把資金轉到更安全的投資項目時，市場可能已經復甦了。
我已經離市，總該沒事了吧？
這要看看您把資金移到了哪裡，什麼時候轉移的。傳統上被投資者們視為安全天堂的貨幣基金同樣在下跌，於此同時，日用品的價格也在下跌。產權基金糟透了，即使是現金賬戶，這個曾被認為是最安全存錢地點的地方，也因為Icesave的崩潰經歷了糟糕的一周。固定利率的有價證券，傳統上認為會在證券下跌時表現尚佳的它，這次卻沒有爆發它的小宇宙，但是班福特預計他們會很快反彈。他補充說，「在經濟不景氣中，任何形式的資產都有風險。」
我的退休金都投到了股市，我該擔心嗎？
大多數人在臨近退休時把他們的投資轉成了比較安全的投資方式，所以，這些把退休金投入證券和股票的人此刻仍有時間。然而，, Bamford說，部分臨近退休者仍有暴露於市場危機中的風險。「有些人將完全意識到這一點，他們必須重新審議自己的退休計劃－－不論是在退休時間還是退休後的生活方式上都將被迫變得不同。」
本周早些時候，Hargreaves Lansdown 曾說，個人退休金的價值自去年開始已縮水了五分之一。最近幾天的下跌浪潮使得縮水數值變得更大。退休金研究公司的主管湯姆.麥克菲爾(Tom McPhail)說，如果離退休尚有10年以上，那麼此刻的最佳策略就是「充耳不聞」。他解釋說：「等到退休金開始發放時，很可能這一切都已經過去了，所以您應該保持退休金的繳納。」
我有一份職業養老金－－這會被沖擊嗎？
有可能。如果這是一份界定養老金（defined contribution scheme），在這種養老金中，您的收益和基金的資產投資收益表現掛鉤，就是說，您和任何同樣持有個人養老金的人坐在一條船上。
麥克菲爾說，最終薪金方案（ final salary scheme）中，您的收益和與收入掛鉤，如果您有這項方案，就可以避免短期的下挫。「雖然在中期上仍然會有沖擊。最終我們可以看到的一個結果是，在這段時間，薪金方案關閉速度要得快得多。」
羅斯.奧特曼(Ros Altmann)，獨立退休金分析師。他說，多數的雇員傾向於放棄最終薪金方案：「他們中的多數人在市場下挫之前就已經出現了赤字，現在幾乎全部出現了赤字。」更令人擔憂的事情是，如果您的公司已倒閉，並最終不得不從養老金保障基金（Pension Protection Fund）取出退休金的話，您能得到的只是所存全部金額的90％。
我的退休金暴跌，現在必須去買一份年金（annuity）了。
除非您已經75歲了，處於這種情況下，規定上說您必須用存款買一份年金以提供一份收入，您可以坐等可能出現的市場復甦。您用來買年的資金量將決定您餘生賴以為生的收入，所以，也許您想等等看您的基金價值是否能回彈一些，這樣您的收入就會有所改善。政府正在考慮延緩這些規定，這樣，達到75歲的人群仍可等待一段時間。
然而，麥克菲爾警告說：「投資不兌現的風險在於，市場復甦的明確信號並不存在。」而在您等待經濟反彈的時候，年金收益率可能已經下調了。「如果您把資金放在市場里等待復甦就一定要緊密關注年金收益率。」
如果您理解了這一點，就會知道，採納建議是一種很聰明的方式。
我沒有股票或退休金，總該安全了吧？
班福特說：「單純的金融領域的問題易於發現，但是金融領域的問題會引起連鎖反應，唯一的問題是，范圍會有多大，感受到沖擊需要多長時間。」
富時指數上英國大公司們市值的大跌導致他們可投資資金的減少。無須擴展市場，他們可以開始減少員工的數量，這導致裁員。
這些公司並非存在於真空中－－他們與其他同樣緊縮開支的公司做生意。最終所有的雇員都可以感受到市場低迷的沖擊。
有什麼好消息嗎？
很少。近幾周，石油價格暴跌，這意味著便宜的汽油，最終將導致油價下跌。本周，銀行試圖救市，利率下調了0.5％並有進一步下調的可能，這對貸款追蹤的第三方借貸者來說是個好消息。一般來說，基本利率的下調對於儲蓄者是壞消息，而銀行和建築業正尋求現金這一事件意味著他們仍將為儲蓄提供誘人的利率。
6. 完整地翻譯孫燕姿的Rise，英漢對照
There is a voice within my mind
singing the songs of distant times
Speaking the thoughts from lost horizons.
Music and words that must be signs
Shaping the facets that define
How we have come to be the present
Descendants.
Though we're from ten different lands
Bound by shores of common sand
Singing out as one
Let's stand
The world is in our hands
No matter where we're from
If we could sing one song
Dreams that are yours and mine
They will be realized.
Trusting the love we feel
Trust in the love that's real
Children unite
People of ASEAN
Rise !
Chapters unfolding from the past
Speaking on wisdom to my heart
Lessons to learn from our ancestors
Pushing horizons let's have faith
Our differences we will embrace
Shaping as one our common future
Our future.
[ti:rise(中文版)]
[ar:孫燕姿]
[al:東南亞國家聯盟(Asean)40周年慶典主題曲]
[by:李澤昊]
[offset:500]
[00:02.00]孫燕姿 - RISE(崛起)
[00:05.00]東南亞國家聯盟(Asean)40周年慶典主題曲
[00:08.00]翻譯:雁姿迷
[00:11.00]友情製作:李澤昊
[00:15.00]
[00:18.10]在我腦海中 有一個聲音
[00:21.91]唱著古老的歌曲 在消失的地平線
[00:31.37]
[00:33.38]用詞和曲表達心中的想法
[00:41.50]我們如何將這些留給後裔
[00:51.23]
[02:21.71][00:52.72]雖然我們來自十個不同的地方
[02:25.86][00:56.94]但卻擁有同一片海岸
[02:29.76][01:00.66]讓我們站起來 唱一首歌
[02:35.29][01:06.49]世界在我們手中
[02:38.96][01:09.72]
[03:14.15][02:39.46][01:10.23]不論你我來自哪裡 身在何方
[03:17.99][02:43.24][01:14.32]如果我們能在一起 唱同樣的歌曲
[03:21.74][02:46.97][01:18.06]你我的夢想 就會實現
[03:29.48][02:54.55][01:25.01]
[03:45.12][03:29.77][02:55.03][01:25.83]信任我們愛的感覺
[03:49.08][03:33.57][02:58.69][01:29.71]信任這就是真正的愛
[03:53.14][03:37.50][03:02.55][01:33.62]讓孩子將團結作為信仰
[03:54.98][03:39.20][03:04.57][01:35.43]東南亞聯盟因此崛起
[04:03.33][03:45.00][03:10.17][01:41.46]
[01:46.63]翻開歷史的課本
[01:50.91]我們汲取祖先的經驗
[02:00.76]
[02:02.29]我們用信念打開一片天地
[02:06.23]接受我們之間的差異
[02:10.16]共同建立屬於我們的未來
[02:16.51]我們的未來
7. 中國最牛夫妻，各自有工資，總產值超5000億，為什麼卻被狠狠吐槽
中國有不少很有錢的家庭，今天說的這對夫妻絕對是其中的佼佼者。老公的公司市值3789億，老婆的公司今年6月也順利上市，市值1470億港幣（約合1323億人民幣），兩家公司加起來超過5100億，真是人生贏家，財運逆天。但這對夫妻為什麼卻被狠狠吐槽呢？
有的人因此挨罵，有的人因此入獄。相比之下，豪森的成立比連雲港製葯廠改制還早兩年，不得不說是孫飄揚眼光長遠。翰森制葯的迅速崛起的背後，也有很多對恆瑞醫葯的質疑。兩家公司除了實控人是夫妻，也都位於連雲港的經濟開發區，處於你中有我，我中有你的狀態。恆瑞和翰森一直以來的戰略是首仿葯，這是什麼概念呢，就是有些葯品的專利要到期了，他們先把仿製葯做出來，等原葯專利一到期就上市，搶占市場。
但是醫葯行業在「4+7帶量采購」政策推出後，葯企遭遇了很大打擊，與試點城市2017年同種葯品最低采購價相比，葯價平均降幅達52%，毛利率天花板被壓死了，醫葯采購第一批目錄出來之後恆瑞股價一度大跌，仿製葯開始逐漸弱化，創新葯的研發不能打包票，未來恆瑞和翰森的高市值不知道還能持續多長時間。