1. 求银行方面英文文献，资料
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，发布下，你再见个问题吧，我回答。
率市场化与我国国有商业银行对策
利率市场化的内涵
所谓利率市场化，是指金融市场资金供求双方自主确定利率水平的利率决定机制的变迁过程。具体讲，利率市场化是指中央银行根据货币政策的需要调控基准利率，各商业银行根据资金市场的供求变化自主调节存贷款利率，最终形成以中央银行基准利率为引导，多层次、能够充分体现资金供求状况和反映中央银行货币政策意图的利率运行机制。利率市场化强调利率真实地反映资金成本与供求关系，灵活有效地发挥其经济杠杆作用.
2. 求伦敦塔桥的英文简介~
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.
中文翻译：（塔桥是伦敦1886至1894年间建成的组合式悬索桥。这座桥横跨泰晤士河畔，靠近伦敦塔，已成为伦敦的标志性标志。因此，塔桥有时与伦敦桥混淆，位于上游约0.5英里（0.80公里）处。塔桥是现在由伦敦城市公司监管的慈善信托机构“桥屋庄园”拥有和维护的五座伦敦大桥之一。这是唯一一座不直接连接伦敦城和南华克银行的桥梁，因为它的北部落地是哈姆雷特塔。）
(2)信托rise扩展阅读：
文化遗产：伦敦塔塔群建筑，包括多次重建的的防御措施和国王王宫，威克非塔、圣托马斯塔等众多塔楼以及核心防御措施--白塔，以及“叛离者之门”等建筑。
1988年根据文化遗产评选标准C（II）（IV）被列入《世界遗产目录》。
世界遗产委员会评价：
具有罗马人建筑风格特点的白塔，是影响整个英国建筑风格伦敦塔的巨大建筑物。伦敦塔是威廉沿泰晤士河建造的，目的是为了保护伦敦，并宣称此地是他的领土。伦敦塔是围绕白塔建造的一个十分有历史意义的城堡，也是王室权力的象征。
3. 世界上最高的大楼在什么位置有几层多少米都住的是什么人
世界第一高楼，台北101 （Taipei 101），前名台北国际金融中心（Taipei Financial Center），设计师李祖原。位于台北市信义区的一幢摩天大楼，楼高508米，地上101层，地下5层，是目前全球最高的摩天大楼。其英文名称Taipei 101除代表台北，还有“Technology、 Art、 Innovation、 People、 Environment、Identity”之意义。
台北101的主楼旁边还有一栋6层楼、总高60米的裙楼（podium），规划为购物中心及银行、证券行，裙楼内有挑高40米的豪华室内广场。
因应高空强风及台风吹拂造成的摇晃．台北101设置了“调和质块阻尼器（tuned mass damper）”，是在88-92楼层挂置一个重达680公吨的巨大钢球，利用摆动来减缓建筑物的晃幅。
防震措施方面，台北101采用新式的“巨型结构（megastructure）”，在大楼之四个外侧分别各有二支巨柱，共八支巨柱，每支截面约3米长、2.4米宽，自地下5楼贯通至地上90楼，柱内灌入高密度混凝土，外以钢板包覆。
列入吉尼斯世界纪录的最快速电梯，有两部，为观景台使用，其最高速率可达每分钟1010米，相当于时速60公里，从1楼到89楼的室内观景台，只需37秒。另外，它也是世界最长行程的室内电梯。
89楼的室内观景台，其出入口在5楼，全票票价为新台币350元，优待票票价为新台币320元。营运时间为周二至周日上午10：00至晚上22：00，周一休馆。而91楼的世界最高室外观景台已于2005年9月16日对外开放。（门票新台币400）
台北101大楼夜间灯光选择彩虹七种颜色，每天固定一种颜色，如星期一是红色、星期二是橙色、星期三为黄色、每日落日时间开始点灯至晚上10点。
4. 在中国的日本货与日本企业（请详细
汽车类：本田、丰田、3菱、铃木、马自达、尼桑、5十铃等
服装类：美津浓、伊都锦 等
化妆品类：曼秀雷敦、高丝、花王、苏菲、东洋之花等
电子电气类：索尼、松下、东芝、富士通、卡西欧、佳能、尼康、日立、先锋、理光、兄弟、夏普、NEC、京瓷、3洋、柯尼卡美能达、雅马哈、山水
5. 高分求一篇关于最近经济危机的英文文章,最好是有评论的```
纽约：经济危机殃及餐饮业
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.
据Zagat调查公司本周二发布的一项最新调查显示，纽约的高档餐厅如今可是生意惨淡。受经济危机和物价上涨的影响，纽约人不再像过去那样经常“下馆子”，餐饮支出也有所减少。
该调查的发起人蒂姆•扎格特说：“餐饮业已明显感到经济危机的影响。”这项已有30年历史的年度调查主要根据食客的反馈评估纽约约2000家餐厅的菜品、装修和服务。
但扎格特认为，这次餐饮业最终会度过难关，就像挺过1987年的股市崩盘和“9/11”恐怖袭击一样。
此外，调查发现，少的还不仅仅是食客，今年纽约新开张的餐馆数量自2003年来首次下跌，从去年的163家减少至119家，而三年前则为187家。
在3.8万多受访者中，近40%的人称他们为了应对眼下的经济危机，已经不经常出去吃饭，或者选择去较便宜的餐馆就餐。
Zagat调查发现，今年纽约的餐饮物价整体上涨了3.3%，大大超过过去六年所保持的1%。其中高端消费者倍受打击，价格涨幅达到了近10%。
在纽约出去吃一顿饭平均花费为40.78美元，低于全美最高的、拉斯维加斯的44.44美元，比起巴黎、东京甚至多伦多等其它国家的首都则要低得多。
调查指出，这些“鼓舞人心”的发现可以解释为什么今年纽约冒出了很多汉堡店、皮萨店和烤肉店。就连阿兰•杜卡斯和希恩-乔治四•沃格里腾这样的名厨也开起了小酒馆或拉面馆。
好消息大都关于那些在评级中名列前茅的餐馆。Per Se首次摘得菜品和服务“双科冠军”，食客们对它的评价是“令人难忘、无与伦比的美食享受”，这家餐厅的平均消费为303美元。
主题餐厅“美国女孩”和“滚石咖啡”再次垫底，但名人会所Elanie’s 的服务和装修这两项指标得分更低，排在最后一名。
经济危机：我们老百姓能做些什么？
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.
经济衰退导致的恐慌性抛售导致股票市值被抹去了数十亿英镑。专家们说，这还不算完呢－－最终，每个人都会感受到市场低迷的冲击。
我是持股人，我该担心吗？
如果您手中仍有个别公司的股票，不是心理承受力特强的话，那就是从年初市场动荡的时候开始就一门心思死扛了。马丁.班福特(Martin Bamford)，Informed Choices公司的独立财经投资顾问说：“现在已经太晚了，稳健的投资者转成了现金或更安全的投资领域”。
如果您在市场中资金，那割肉的时候到了；或者，您有安安稳稳坐等经济恢复的本事。向儿童信托基金投资（CTF）的父母无需太过担心－－离取出这些钱还有相当长的一段时间，否则，若CTF的持股人把资金转到更安全的投资项目时，市场可能已经复苏了。
我已经离市，总该没事了吧？
这要看看您把资金移到了哪里，什么时候转移的。传统上被投资者们视为安全天堂的货币基金同样在下跌，于此同时，日用品的价格也在下跌。产权基金糟透了，即使是现金账户，这个曾被认为是最安全存钱地点的地方，也因为Icesave的崩溃经历了糟糕的一周。固定利率的有价证券，传统上认为会在证券下跌时表现尚佳的它，这次却没有爆发它的小宇宙，但是班福特预计他们会很快反弹。他补充说，“在经济不景气中，任何形式的资产都有风险。”
我的退休金都投到了股市，我该担心吗？
大多数人在临近退休时把他们的投资转成了比较安全的投资方式，所以，这些把退休金投入证券和股票的人此刻仍有时间。然而，, Bamford说，部分临近退休者仍有暴露于市场危机中的风险。“有些人将完全意识到这一点，他们必须重新审议自己的退休计划－－不论是在退休时间还是退休后的生活方式上都将被迫变得不同。”
本周早些时候，Hargreaves Lansdown 曾说，个人退休金的价值自去年开始已缩水了五分之一。最近几天的下跌浪潮使得缩水数值变得更大。退休金研究公司的主管汤姆.麦克菲尔(Tom McPhail)说，如果离退休尚有10年以上，那么此刻的最佳策略就是“充耳不闻”。他解释说：“等到退休金开始发放时，很可能这一切都已经过去了，所以您应该保持退休金的缴纳。”
我有一份职业养老金－－这会被冲击吗？
有可能。如果这是一份界定养老金（defined contribution scheme），在这种养老金中，您的收益和基金的资产投资收益表现挂钩，就是说，您和任何同样持有个人养老金的人坐在一条船上。
麦克菲尔说，最终薪金方案（ final salary scheme）中，您的收益和与收入挂钩，如果您有这项方案，就可以避免短期的下挫。“虽然在中期上仍然会有冲击。最终我们可以看到的一个结果是，在这段时间，薪金方案关闭速度要得快得多。”
罗斯.奥特曼(Ros Altmann)，独立退休金分析师。他说，多数的雇员倾向于放弃最终薪金方案：“他们中的多数人在市场下挫之前就已经出现了赤字，现在几乎全部出现了赤字。”更令人担忧的事情是，如果您的公司已倒闭，并最终不得不从养老金保障基金（Pension Protection Fund）取出退休金的话，您能得到的只是所存全部金额的90％。
我的退休金暴跌，现在必须去买一份年金（annuity）了。
除非您已经75岁了，处于这种情况下，规定上说您必须用存款买一份年金以提供一份收入，您可以坐等可能出现的市场复苏。您用来买年的资金量将决定您余生赖以为生的收入，所以，也许您想等等看您的基金价值是否能回弹一些，这样您的收入就会有所改善。政府正在考虑延缓这些规定，这样，达到75岁的人群仍可等待一段时间。
然而，麦克菲尔警告说：“投资不兑现的风险在于，市场复苏的明确信号并不存在。”而在您等待经济反弹的时候，年金收益率可能已经下调了。“如果您把资金放在市场里等待复苏就一定要紧密关注年金收益率。”
如果您理解了这一点，就会知道，采纳建议是一种很聪明的方式。
我没有股票或退休金，总该安全了吧？
班福特说：“单纯的金融领域的问题易于发现，但是金融领域的问题会引起连锁反应，唯一的问题是，范围会有多大，感受到冲击需要多长时间。”
富时指数上英国大公司们市值的大跌导致他们可投资资金的减少。无须扩展市场，他们可以开始减少员工的数量，这导致裁员。
这些公司并非存在于真空中－－他们与其他同样紧缩开支的公司做生意。最终所有的雇员都可以感受到市场低迷的冲击。
有什么好消息吗？
很少。近几周，石油价格暴跌，这意味着便宜的汽油，最终将导致油价下跌。本周，银行试图救市，利率下调了0.5％并有进一步下调的可能，这对贷款追踪的第三方借贷者来说是个好消息。一般来说，基本利率的下调对于储蓄者是坏消息，而银行和建筑业正寻求现金这一事件意味着他们仍将为储蓄提供诱人的利率。
6. 完整地翻译孙燕姿的Rise，英汉对照
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:孙燕姿]
[al:东南亚国家联盟(Asean)40周年庆典主题曲]
[by:李泽昊]
[offset:500]
[00:02.00]孙燕姿 - RISE(崛起)
[00:05.00]东南亚国家联盟(Asean)40周年庆典主题曲
[00:08.00]翻译:雁姿迷
[00:11.00]友情制作:李泽昊
[00:15.00]
[00:18.10]在我脑海中 有一个声音
[00:21.91]唱着古老的歌曲 在消失的地平线
[00:31.37]
[00:33.38]用词和曲表达心中的想法
[00:41.50]我们如何将这些留给后裔
[00:51.23]
[02:21.71][00:52.72]虽然我们来自十个不同的地方
[02:25.86][00:56.94]但却拥有同一片海岸
[02:29.76][01:00.66]让我们站起来 唱一首歌
[02:35.29][01:06.49]世界在我们手中
[02:38.96][01:09.72]
[03:14.15][02:39.46][01:10.23]不论你我来自哪里 身在何方
[03:17.99][02:43.24][01:14.32]如果我们能在一起 唱同样的歌曲
[03:21.74][02:46.97][01:18.06]你我的梦想 就会实现
[03:29.48][02:54.55][01:25.01]
[03:45.12][03:29.77][02:55.03][01:25.83]信任我们爱的感觉
[03:49.08][03:33.57][02:58.69][01:29.71]信任这就是真正的爱
[03:53.14][03:37.50][03:02.55][01:33.62]让孩子将团结作为信仰
[03:54.98][03:39.20][03:04.57][01:35.43]东南亚联盟因此崛起
[04:03.33][03:45.00][03:10.17][01:41.46]
[01:46.63]翻开历史的课本
[01:50.91]我们汲取祖先的经验
[02:00.76]
[02:02.29]我们用信念打开一片天地
[02:06.23]接受我们之间的差异
[02:10.16]共同建立属于我们的未来
[02:16.51]我们的未来
7. 中国最牛夫妻，各自有工资，总产值超5000亿，为什么却被狠狠吐槽
中国有不少很有钱的家庭，今天说的这对夫妻绝对是其中的佼佼者。老公的公司市值3789亿，老婆的公司今年6月也顺利上市，市值1470亿港币（约合1323亿人民币），两家公司加起来超过5100亿，真是人生赢家，财运逆天。但这对夫妻为什么却被狠狠吐槽呢？
有的人因此挨骂，有的人因此入狱。相比之下，豪森的成立比连云港制药厂改制还早两年，不得不说是孙飘扬眼光长远。翰森制药的迅速崛起的背后，也有很多对恒瑞医药的质疑。两家公司除了实控人是夫妻，也都位于连云港的经济开发区，处于你中有我，我中有你的状态。恒瑞和翰森一直以来的战略是首仿药，这是什么概念呢，就是有些药品的专利要到期了，他们先把仿制药做出来，等原药专利一到期就上市，抢占市场。
但是医药行业在“4+7带量采购”政策推出后，药企遭遇了很大打击，与试点城市2017年同种药品最低采购价相比，药价平均降幅达52%，毛利率天花板被压死了，医药采购第一批目录出来之后恒瑞股价一度大跌，仿制药开始逐渐弱化，创新药的研发不能打包票，未来恒瑞和翰森的高市值不知道还能持续多长时间。