优质推荐时文实例.doc

Team 3 Team Members: … 推荐理由：银行是金融机构之一，在金融领域中处于核心地位，甚至对整个国家经济的发展都会产生举足轻重的影响。从国家来说，中央银行制定国家的货币政策，深刻的影响着我国借贷资金市场的利率水平和货币市场的供需均衡；从个人来讲，我国居民的财产主要还是以储蓄存款的形式存在，银行也与人们的生活息息相关。因此银行的安全就显得更加的重要。但是银行虽然确实存在着管理风险的制度，但是实际上它们只是通过简单的储蓄来避险。本文将从08年美国次贷危机爆发以来明显表现出来的银行危机入手，向大家分析银行存在危机及其原因，以及银行应该通过何种途径化解这种危机。对于帮助大家了解相关的金融知识将起到一定的作用。 Making banks safe: Calling to accounts Oct 5th, 2013 From The Economist 1. BANKS are a perplexing（令人困惑的、令人费解的） mix. The special institutions at the heart of capitalism, they provide an easy link between savers and borrowers: granting loans to those with the ideas and ambition to use them while at the same time providing peace of mind to squirrel(松鼠) who want to lock their cash away safely. Yet banks have a dark side too: they exist to manage risk, but often simply stockpile it. When they go bad they scythe away wealth and strangle economies.P1 There is little argument that it was the banks that started the crisis five years ago.P2 There is huge disagreement about how to put things right. 2. To see why banks are so vital, start with the finances of a typical household or firm. Their debts—mainly mortgages on homes, offices or factories—have fixed terms; they often have fixed interest rates too. In what is owed there is a lot of certainty. But firms’ and families’ financial assets are not bound by such rigid（严格的； 僵硬的）terms: deposits can be withdrawn with little notice, bonds and equity can be sold quickly if cash is needed or if investment tastes change. This combination of fixed-term debts and flexible assets is a comfortable set-up. 3. But one party’s asset is another’s liability.P3 This means that corporate and personal finances have a mirror image in the balance-sheets of banks, where assets (the loans a bank has made) cannot be adjusted but where debts (its customers’ deposits) can be called in overnight. That mix is risky: a rush of depositors demanding their money back can force cut-price asset sales. If debts are called in more quickly than assets ca