英语作文范文:金融危机英语作文

1. 英语作文范文:金融危机英语作文

写一篇以金融危机为主题的英语作文。
   
 参考词汇:
   
 金融危机:Financial Crisis
   
 参考范文:
   
 What Caused The Financial Crisis?
   
 I think we can sum up(总结,概括) the cause of our current economic crisis in one word — GREED(贪婪).
   
 Over the years, mortgage lenders were happy to lend money to people who couldn‘t afford their mortgages. But they did it anyway because there was nothing to lose. These lenders were able to charge higher interest rates and make more money on sub-prime loans. If the borrowers default,they simply seized the house and put it back on the market. On top of that, they were able to pass the risk off to mortgage insurer or package these mortgages as mortgage-backed securities. Easy money!and what went wrong with our financial system?
   
 The whole thing was one big scheme. Everything was great when houses were selling like hot cakes and their values go up every month. Lenders made it easier to borrow money,and the higher demand drove up house values. Higher house values means that lenders could lend out even bigger mortgages, and it also gave lenders some protection against foreclosures. All of this translates into more money for the lenders, insurers, and investors. Unfortunately, many borrowers got slammed when their adjustable mortgage finally adjusted. When too many of them couldn‘t afford to make their payments, it causes these lenders to suffer from liquidity issue and to sit on more foreclosures than they could sell. Mortgage-backed securities became more risky and worth less causing investment firms like Lehman Brothers to suffer.
   
 Moreover,insurers like AIG who insured these bad mortgages also got in trouble. The scheme (体系,结构)worked well, but it reverses course and is now coming back to hurt everyone with a vengeance.   《英语作文范文:金融危机英语作文》由英语我整理,更多请访问:https://www.liuxue86.com/english/

2. 求一片关于经济危机对我们的影响的英语作文

The year, 2009, is absolutely special to us the senior 3 students, because we are sitting for the National University Entrance Examination before long. Besides, the global financial crisis is continuing, resulting in the serious unemployment through the world.



During the special time, we have to consider the university majors we are going to apply for, which were more or less infulenced by the crisis. As a result, some questions always run in our minds. For example, how to apply for the majiot in the future? What kind of major can help us get rid of or avoid such crisis?



    However, it is almost three months away form the examination and application. Above everything else, nowadays we must devote ourselves to study, and try our best to become qualified students. Only in this way can we achieve our ideal to make great contributions to our society

3. 关于金融危机的英语短文

Financial crisis is generated by speculators but everyone has to pay the price for it. Speculators who are from the group of 1% people of the world, who has been monopolized the world’s financial and economy since war world II through US and UK influences.
 After physical war world II, smart business men start to realize that robbing fortune from other peoples don’t need to go through physical attack such as war, simply creating financial crisis which will rob huge fortune legally will do. Playing around the world economy and financial on their fingers, through financial tools such as forward and future contracts for currencies and commodities, control the publicity on financial analysis and economy report on various medias, peoples are fooled by these group of speculators into believing their lies and falling into their financial traps including governments. 
Nowadays, peoples started to accept financial crisis as natural disaster such as earthquake, tsunami,.. All of these are created by god to test them and to make them stronger.
Stupid governments of course will be very willing to push all the financial crisis problems and blames to god rather than learn a lesson from it. Besides, some of the governments’ VIP had been paid to become a helping hand to the financial crisis too.  Some business tycoons know about this secret but they also part of the speculators who make tones of money from it too. 
Democracy in US and UK is not a perfect model because the laws and rules and regulation in properties, commodities, shares and financial markets are set to protect the fortune of the rich rather to be fair and clean to all people.
Future and forward contracts are fake contracts, but they can be speculated to control the actual and spot contracts’ market price. This happened in foreign currencies exchange rate and commodities price such as oil and gold.
Lots of things need to be done in order to stabilize the financial market in order to maintain proper growth in developing countries. Appropriate financial and economy knowledge must be taught in the education system just like mathematic start from kinder garden.

4. 有关金融危机的英语作文

Financial Crisis Impact on China
Although China's financial institutions, some enterprises hold some U.S. financial institutions, bonds or assets, but not large scale. These financial institutions in China are joint ventures and investment projects, the situation may have some impact on business in China. But in general, the impact can be controlled. The impact of U.S. financial turmoil investment, consumption, employment, income, such as the Lehman bankruptcy, there are about 20,000 employees will lose their jobs, dimensionless loan crisis more people unemployed. Decline in its consumption and investment, will reduce imports from China. Increase the rate of depreciation of the dollar to dollar-denominated price of the product will be.
Many of our imports are denominated in U.S. dollars, while imports increased by a lot of costs, thus affecting the production costs of Chinese enterprises, the factory products will certainly increase. China's foreign exchange reserves, financial institutions, investment companies in the United States, mainly the bond investment. These financial institutions, the United States the event of bankruptcy, and its bonds and other investment products on the drastic slump in the value of market risk. Many U.S. banks in China, corporate banking, joint venture banks, financial institutions, such as equity participation. If these companies sell a large amount of assets in China, a lot of money out from the Department, the short-term impact of China's foreign exchange market is also larger
. In addition, the psychological impact on investors. Although China's direct foreign investment into the financial markets have control, but the psychology is inseparable conduction. Meeting credit crisis, China's export company, providing services for export will be affected by the performance of the company, which indirectly affect the local financial income, employment, such as Zhejiang, Guangdong's GDP fell faster.

5. 金融危机英语短文

Lasting more than one years, the American housing market crisis gradually extended to the whole financial system to be a financial crisis all over the world, in which progress every conuntry is included.
Being customed by market economy, most western countries are not convenient to rely on the government input to survive this crisis, but they have no other alternatives.
Basicly, there are at least two things for governments to do in this crisis. First, enough fund should be prepared to ganrantee the stablity of the whole financial system. Maintaining the steady of the financial system is becoming one of the most important things in today's economic system because a healthy fiancial system is the basic of healthy financing and investment. It is difficult for the growth of the substantial economy with the lack of the financing support.
Second, there must be some changes in the whole financial system which should be organised by governments. If the traditional investment method is proved to be inefficient in current economic situation, the old financial system would require some improvement. For example, when the investment banks bankrupted in the financial crisis, the American government gave this organisation up soon to protect the investors as well as other financial institutions.
Moreover, many other measures thould be taken by governments including maintaining the stability for the commercial market and the normal life of residents referring to low unemployment.
Earthquake Kitagawa county for the 100-day mourning Kaijin

Today is the Wenchuan earthquake in 100 days Closure of Beichuan county from 17 until today, opening only for family members hold a memorial ceremony for the masses

Today is the Wenchuan earthquake in 100 days. For the convenience of their loved ones to hold a memorial ceremony, closed Kitagawa from the county seat 17 until today only open for ordinary people.


Yesterday afternoon, reporters rushed to Kitagawa, all the way to a pedestrian friendly bags, each faces a heavy, even when an acquaintance, and nodded with each other, or a "you come to the" greetings, there is no need to ask each other What to do, because we have put in the hands of the same things: Xiangla paper money. Everyone carefully avoiding mention of dead loved ones. Prior to this, Kitagawa has been the county seat around the barbed wire fence. In the county seat 23 kilometers away from the door Renjiaping usually forbidden to enter. Kitagawa miss their loved ones had to climb across the King of Jiashan, a distance of the town burning paper money.

6. 急求一篇英语作文,主题是金融危机波及全球的原因~!

《瞭望》文章：金融危机十大痛点

　　这场金融危机如同瘟疫一般已经在全球肆虐了一年。痛定思痛，一年之后再回首，造成金融危机的深层次原因昭然若揭。中国国际问题研究所世界经济与发展研究部研究员甄炳喜为本刊记者总结了导致金融危机蔓延全球的十大原因：

　　房地产市场的膨胀和泡沫是金融危机的导火线。 
 
从上个世纪末到2006年这五六年的时间，美国出现了历史上最大的房地产泡沫，房价从2000年到2006年上升了35%，相当于之前五年房价增速的两倍，这种情况下就像一个抢椅子的游戏，只要音乐不停，大家都在跳，但是当音乐停下来，游戏就到此为止了，房地产的泡沫也破灭了。

　　房地产的繁荣或是泡沫，归因于银行业的两个变化。一是银行不再在资产负债表中将贷款打包出售给其他的金融投资者并以此来转移风险。二是银行过多地使用短期的金融工具来持有金融资产，致使银行无法用这些工具来对短期债务进行调整。因此融资流动性只要下降就会给金融体系带来重大的压力。

　　美国过度的借债是危机的源头。美国是一个高负债、低储蓄的国家。这在最近几年表现得特别突出，一般家庭将住房作为“自动取款机”来支持高消费，因为他们觉得只要房价上涨，他的房屋资产就会升值，以此从银行获得了大量的贷款，维持高消费。一旦房价下跌，他们的房子就资不抵债，就失去消费来源。

　　宏观经济政策失误。本世纪初，美国的货币政策至少出现过两次矫枉过正，第一次是2001年到2003年，经济衰退和复苏乏力，美联储将利率从6.5%降到1%，于是助长了美国家庭利用借贷购买房子，从而刺激了房地产的繁荣。第二次是当房地产和美国经济过热时，从2004年6月到2006年6月，美联储又连续17次加息，短期利息从1%调整到5.25%，于是房地产开始降温，房价在2007年也开始下降。

　　国会给“两房”过大的特权。房利美和房地美将近占了美国次贷的50%，所以这两个由政府支持的房贷公司不能倒闭，政府必须保护。美国的国会也有自己的目标，就是美国人能负担得起住房的政治目标。于是银行向中低收入家庭提供房贷，“两房”可以为销售房贷担保的证券提供担保，将这些“坏资产”转手给那些金融体系。2004年后国会还采取了另外一个做法，向两房施加压力，使得他们在2005年和2006年为高风险的房贷提供担保，这个担保比以前增加了三倍。

　　金融衍生品蕴涵着巨大的风险。上世纪80年代以来，美国金融业创新了很多的金融衍生品。2007年美国的金融衍生品总值大概是300万亿美元，相当于美国GDP的20多倍。金融产品过多导致了资产错配，也引发越来越多的规避监管的行为。处于金融衍生品投资链末端的投资者缺乏风险监督的手段，当衍生品的源头次贷资产出现问题的时候，建立在此之上的金融衍生品投资市场就如同“空中楼阁”一般颓然倒下。

　　金融评级机构失职。金融衍生产品的投资过度依赖于美国标准普尔等机构来进行评级，正是因为全球投资者对美国金融评级机构的信任，才大量购买与次贷相关的产品。但是评级机构本身存在不少问题，而且评级机构使用的模式都是自己设计的，缺乏有关监管机构的论证。

　　在衍生产品金融创新的背景下，政府监管缺失，这是很重要的一个原因。里根政府从20世纪80年代初就放松对金融业的监管，不管是民主党、共和党都是这么做的，所以越来越多的金融衍生品就不受政府部门的监管。

　　美国政府对危机认识不足，措施不力。2007年上半年实际上已经出现次贷危机的苗头，但是美国政府反应很慢，直到次贷危机爆发以后美联储才开始作出反应。2008年贝尔斯登、房利美出现危机的时候政府出面救助，但是当雷曼兄弟出现问题的时候政府又采取了另外一种做法，现在回过头来看处理不力，又造成了金融危机的蔓延。

　　不合理、不公正的金融体系是金融危机频发的温床。以前的金融危机也与此相关，现行的国际金融体系是以美元为主导的，美国利用这一霸主地位通过这种体系向其他国家转嫁危机，美国金融危机很快变成了世界金融危机。各国都要为美国的政策失误埋单。

　　（文/《瞭望》新闻周刊记者黄海霞实习)

网上找的文章，自己翻译，考试靠自己比较好哈

7. 英语作文:关于经济危机的理解,影响,应对措施

The financial crisis in the "butterfly effect" under the rapid spread of the world. From the United States to China, from Wall Street to the Pearl River Delta, from manufacturing to high technology, from the white-collar workers, are subject to severe financial crisis. Many enterprises in the customs, stop, close, to many white-collar workers laid off, a lot of migrant workers, miners were forced to return home, many university graduates means that the unemployed. A month later in 2009 is the Year, I do not see the well-being of firecrackers, fireworks and romantic, looking forward to the New Year. See more entrepreneurs, managers, workers fear, confused, helpless look. 
Blessing in disguise, Yan Fu Huo know? The escape came, unable to retain the go. Nothing in the world are the development of the wave-like, there is bound to have peaks and troughs, there are bound to have peaks and troughs. Rare in the face of the economic crisis, many companies have chosen to shrink the front, the defensive; a lot of people tighten up the pocketbook and spending. Enterprises do not only offensive defense, when you prepare defense means that when you start back. Live at home, hand in half a cent to spend, to save money is in, only more money in order to change the quality of life. Fear, confusion and helplessness to escape, defense and reduce costs so that you will only make matters worse situation. Only offensive, Endeavor, protest, moving trend is the best choice and to deal with. 
Be it business or personal, we must first fully understand the seriousness of the crisis and persistent. There are not trusting to luck that the crisis will not affect you. Qingchao, no eggs will survive? Only early and late, and light weight. The crisis in the latter part of the most difficult, yet now, do not feel that they are very strong, 
Do not have to die before the crisis to attack. First of all, as entrepreneurs have to consider cash flow problems. To allow the closure of the fastest growing companies is not a loss, cash flow is drying up. Cash flow and the size of the enterprise, profit, non-well-known and well-known does not matter. The more large enterprises and the more well-known enterprises to pay attention to cash flow. Peace for too long, high-speed economic development in a long time, too much of their profits into the business after the expansion of fixed assets. Not on account of the funds to prepare for the winter. So rare to meet the financial crisis, the fall is often the fastest growth and expansion of the fastest-growing businesses. Not ready for the winter clothes, even if you have a nice summer, winter, you will still frozen to death. The three major U.S. auto giant is the cash flow is drying up and in serious danger together. 
To have the opportunity to live. Crisis, the crisis in the organic. This opportunity is not often. This is sufficient funds at the lowest cost of business, merger, the best opportunity for expansion. Small business is the best time to catch up with large enterprises. Peace and prosperity in a variety of small businesses such as the allocation of resources are not large enterprises. Want to go beyond talking the same large enterprises. In front of the crisis, many large enterprises for the steady development of layoffs, shrinking front. Small business must learn how to Zoupian Jian Feng, to take the initiative. Gambling may be dead, may also develop. And so on, a dead end. 
As a working group, during the crisis, so as not to resign, not-for-work, not to change jobs. A large number of business failures, layoffs, a large number of returning migrant workers, next year there are nearly 1,000 million university graduates find a job waiting. Be able to do a job that is a very well-being. To resign easy job difficult. Should cherish the current opportunity to work. For are not familiar with the area of greatest temptation not to change jobs easily. Peer different reasons, is the same sales, marketing and selling instant noodles is not the same car. The higher the expectations, the greater the disappointment factor. Of course, if you have the ability to trade irreplaceable, but this time is an opportunity. In the face of crisis often need a hero. To ask whether he is a hero? 
To work hard to create more value. Companies often laid off before the Conference of non-essential positions, direct-to-business value-creating fewer jobs; Conference do not have a strong sense of responsibility, complained that more staff, the Conference working hours without doing the work of the staff. Take a look at our posts and is not an option? If so, as soon as possible to find their own jobs, and so on have been laid off, the more difficult to find work. If the work is a busy, but also to strengthen the sense of responsibility to reduce complained to create more value. When companies do not like any team has complained that the staff of the existence of emotions. Your high and low salaries, can remain in business, is your attitude toward work and decided to create value is not determined by the leadership. To save more and spend less. Now, "Moon family" more. In the first fall in front of the crisis is "Moonlight family." Have to ask ourselves if the crisis continued a year, you have enough savings? If the crisis continued for three years, you have enough savings? From now on, be able to keep up-to-deposit the money or buy government bonds or dual-currency deposits to buy. Heart fear is not pocket the money. "Self-cultivation in order to quiet, frugal and Germany to support", has always been to save the United States and Germany. By this time, frugal financial management is also a kind of way of life, always in the details. Less able to spend less money to spend, be able to cook at home do not eat at the hotel. Be able to buy stores, discount supermarket, the special price of conventional products that do not buy the product. Will not be able to send text messages on the phone. Zuo Gongjiao can not walk, can not fight Zuogong Jiao, do not drive can not drive. Will not be able to train on a flight. Can not buy luxury goods do not buy luxury goods. Is not simply to save money clutching his wallet at no cost, but let money more efficiently, with the least money to meet our greatest desire. 
To help a friend pay attention to more jobs, more economic help poor friends, relatives, neighbors, before the crisis, the poorer the people become well-off. Bang Bieren is to help themselves. There are difficulties in their turn will come only when there is a friend to help you. 
Have confidence in the face of crisis. The Chinese government does not care what will happen, you are not alone. Everyone has confidence in the economic recovery will be faster.