金融学原理(英文版)课后翻译及答案
第一章课后习题答案翻译
一 . 我的生活目标：
●完成学业
●找到一份自己喜欢且收入不菲的工作
●结婚和生养子女
●拥有我自己的房子
●供养我的家庭生活
●供养孩子上学
●退休
在我实现目标的过程中，金融所扮演的角色：
答案样例：1，金融现在可以为我提供大学本科及研究生教育的学费并帮我完成学业，帮我决定投资于上学是否是一个好的投资决定 2，高等教育可以帮助提高我赚钱的能力以及获得一个我喜欢的工作的能力 3，当我结婚并且有了孩子以后，我就有了额外的金融责任（以具体情况而定），我必须学会如何在家庭中的个人之间分配资源，学会如何留置一定的资金以用之于紧急事件，教育，假期旅游等；金融也帮助我理解如何应对危机，比如残疾，生活，健康 4，金融也帮我决定我想买的房子是否值钱，也帮我如何用最少的金融资源购买那所房子 5，金融帮我决定我应该储蓄多少钱以备我子女的学业和我以后的退休
我主要的权衡决策：
答案样例：1，现在花钱接受高等教育（并完成学业）可是假设以后由于我的高等教育文凭挣更多的钱 2，现在消费更多为以后比如买房，买车或储蓄留置很少的钱还是现在消费很少，甚至少于我的许多朋友
二.
答案样例：净值＝资产－负债$__________(很可能会被低估)
资产包括:经常帐户余额
储蓄存款帐户余额
家具设备，首饰类（如表）
车（如果有的话）
负债包括：学生贷款
信用卡结余的差额
各种租用金的协定（不包括转租）
应付车款
在计算净值时学生会特别地排除了他们一生潜在的赚钱能力的价值
三．一个单身汉之需要养活他自己，所以他可以独立自主的作出金融决策。如果他不想购买健康保险（而愿意承担由这个决定而带来的金融风险）那么除了这个单身汉自身，没谁会受这个决定的影响。另外，他不需要在家庭成员之间分配收入这件事上做任何决定。单身汉是很灵活自由的，可以选择住在几乎任何地方。他主要是在今天的消费（开支）和为明天储蓄之间做出权衡决策。既然他只需要养活他自己，那
么他储蓄的重要性就比对一家之主的重要性小。
有许多孩子的一家之长必须在这些家庭成员中分配资源[或者说是收入].他们必须随时准备着处理各种风险,比如说潜在财政危机的突然发生[诸如家庭成员经历的严重健康问题,或者因为火灾和其他疏忽导致的保险问题].因为在一般一个家庭里人会比较多,有些人生病或受伤的风险就会更大.并且因为家庭中有许多依赖性的个体,所以薪水收入者得认真地考虑生活和残疾保险.还有,家庭并不像个体那样富有机动性,这是因为有了适龄儿童的缘故,这个家庭会想离所谓好的学校近一点,同时良好的教育会对孩子将来的生活和财政状况有所裨益.因此一家之主的资源配置会更加的复杂:要有更多的钱于目前的消费（这也是他或她需要来抚养成员的）,但是同时又需要更多的钱储蓄起来以支付未来的费用,诸如教育和房屋购置,还有风险投资,比如生活和残障保险.
四．在双收入家庭中,家庭失去全部经济收入的风险比单收入家庭要小,同时,单收入家庭比双收入家庭更愿意购买残疾保险,人身保险.然而,如果单收入家庭需要有人照顾放学后回家的孩子,他们还要再支付照看小孩的额外费用.
五．学生们结合他们具体的经历和看法会给出不同的答案。很多的人很可能会说应该是在完成学业，并获得一份可观收入的工作之后实现经济上的独立。
答案样例：我认为应当在孩子已完成学业，找到工作并有稳定可观的收入后才能对其实行经济独立。
六．a
b. 1银行借贷
2汽车经销商借贷或租赁
3个人储蓄
C（略）
d你应该从可选择的融资方式中选择成本最小的一种。
当你分析的时候，你应该考虑以下方面：
1你是否有足够的现金储蓄去购买？为了买车，你必须放弃的利息？你付现金和贷款所付是否不同？
2对于不同的贷款方式，首付金额是多少？月付多少？付多久？相关利息是多少？整个贷款是按月还清，还是期末一次还清？税收和保险
费是否包括在月付款中？
3对于不同的租赁方式，首付金额是多少？月付多少？付多久？在租赁期末你是否拥有车？如果不拥有，买车要花多少？在租赁期末你是否必须得买车？你是否拥有优先购买权？如果你不买车你是否得付钱？相关利息是多少？税收和保险费是否包括在月付款中？是否有里程限制？
七．a为学生们提供个人服务可能是个低成本的选择。比如，你可以为同学们做些差事，像带他们的宠物散步，或者帮他们去买东西等等。类似还有成立咨询业务。以上两项事业你都可以在你的宿舍或家门外举行，而且几乎不花费你多少成本。如果你想雇用帮手，你必须在一定的工资基础上支付他们费用。
b当然，如果你能借到你需要的所有资金，你就能投资很多有趣的行业。既然你可以筹集到100％的资金，投资一些风险行业总比储蓄要好些。
C[答案当然取决于你对b题的回答]
d这取决于所需要的资金规模，学生应该寻找债券或股票融资。来源可以是个人给你的借款，或者银行的信用卡（只能是给你很少的数目），风险投资家，公共债券，股票市场，保险公司，或退休基金。八．答案样例：
宗教团体。最主要的金融决策：
是否要修理在上次飓风中毁坏的教堂和地面（尤其是修理漏雨的屋顶）。
因为修补这些损坏而造成的花费需要靠什么工程项目的推迟来弥补。如何支付楼下礼拜室维修的费用。
怎么样可以增加团体成员的参与和捐赠数量。
怎么样可以组织和要求志愿者参加一年一度的教堂义卖（这是每年最大的资金募集活动）。
重要的权衡决策和偏好：
宗教团体的资金是极其有限的，所以他们要优先考虑各项花费和需求带来的开支。因为所涉及的资金问题，并不是每个需要进行的项目都能完成。而且既然现金流入的途径是多样的，同样的时间会用来花费在募集资金上。而既然不是所有的项目都能获得财政支持，因此不同关键人物（比如牧师）的偏好在决策的制定中就显得至关重要。
常见职务、职位英文翻译
常见职位、职务英文译名 Accounting Assistant 会计助理 Accounting Clerk 记帐员 Accounting Manager 会计部经理 Accounting Stall 会计部职员 Accounting Supervisor 会计主管 Administration Manager 行政经理 Administration Staff 行政人员 Administrative Assistant 行政助理 Administrative Clerk 行政办事员 Advertising Staff 广告工作人员 Airlines Sales Representative 航空公司定座员 Airlines Staff 航空公司职员 Application Engineer 应用工程师 Assistant Manager 副经理 Bond Analyst 证券分析员 Bond Trader 证券交易员 Business Controller 业务主任 Business Manager 业务经理 Buyer 采购员 Cashier 出纳员 Chemical Engineer 化学工程师 Civil Engineer 土木工程师 Clerk/Receptionist 职员／接待员 Clerk Typist & Secretary 文书打字兼秘书 Computer Data Input Operator 计算机资料输入员 Computer Engineer 计算机工程师 Computer Processing Operator 计算机处理操作员 Computer System Manager 计算机系统部经理 Copywriter 广告文字撰稿人 Deputy General Manager 副总经理 Economic Research Assistant 经济研究助理 Electrical Engineer 电气工程师 Engineering Technician 工程技术员 English Instructor/Teacher 英语教师
金融专业名词翻译
金融专业名词翻译(一) 一级市场 primary market 一致行动 acting in concert 一般性授权 general mandate 一般谘询及支援工作小组 General Advisory and Support Working Team 一般豁免 general waiver; blanket waiver 一般权证 plain vanilla warrant 一线多机 multiple-work stations 一篮子指数买卖盘 index basket order 一篮子货币 basket of currencies; currency basket 一篮子备兑证;一篮子权证 basket warrant 九龙证券交易所
The Kowloon Stock Exchange 金融专业名词翻译(二) 上下限协议ceiling-floor agreement 上市listing; flotation 上市(复核)委员会Listing (Review) Committee 上市上诉委员会Listing Appeals Committee 《上市公司董事指引》Guide for Directors of Listed Companies 《上市公司董事进行证券交易的标准守则》Model Code for Securities Transactions by Directors of Listed Issuers 上市公司资料库Primary Market Database 上市事宜谅解备忘录补篇(附件一) First Supplement to the Addendum to Memorandum of Understanding Governing Listing Matters 上市事宜谅解备忘录补篇(重订版) Amended and Restated Addendum to Memorandum of Understanding Governing Listing Matters 上市协议Listing Agreement 上市委员会Listing Committee 上市法团listed corporation 上市后的收购活动post-listing acquisition 上市规则listing rules 上市开放式基金listed open-end fund (LOF)
计算机专业毕业设计说明书外文翻译(中英对照)
Talking about security loopholes Richard S. Kraus reference to the core network security business objective is to protect the sustainability of the system and data security, This two of the main threats come from the worm outbreaks, hacking attacks, denial of service attacks, Trojan horse. Worms, hacker attacks problems and loopholes closely linked to, if there is major security loopholes have emerged, the entire Internet will be faced with a major challenge. While traditional Trojan and little security loopholes, but recently many Trojan are clever use of the IE loophole let you browse the website at unknowingly were on the move. Security loopholes in the definition of a lot, I have here is a popular saying: can be used to stem the "thought" can not do, and are safety-related deficiencies. This shortcoming can be a matter of design, code realization of the problem. Different perspective of security loo phole s In the classification of a specific procedure is safe from the many loopholes in classification. 1. Classification from the user groups: ● Public loopholes in the software category. If the loopholes in Windows, IE loophole, and so on. ● specialized software loophole. If Oracle loopholes, Apach e,
金融学专业外文翻译---对简便银行的简单见解
中文3696字 本科毕业论文外文翻译 出处：Infosys Strategic Vision 原文： Insights from Banking Simple By Ashok Vemuri Introduction “A simpler way of banking.We treat with you respect. No extraneous features. No hidden fees.” For the unini tiated, this is the mantra of BankSimple, a Brooklyn-based startup which has positioned itself as a consumer-friendly alternative to traditional banks. BankSimple pushes a message of user experience—sophisticated personal finance analytics, a single “do-it-all” card, superior customer service, and no overdraft fees.Though branchless and primarily online-based, BankSimple is also planning to provide some traditional customer service touches, including phone support and mail-in deposits. Interestingly, BankSimple will also likely not be a bank—at least not in the technical, FDIC sense of the word. Rather, BankSimple’s strategy is to be a front-end focused on the customer experience. The back-end core “bank” component will be FDIC-insured partner banks. Unfettered by years of IT investments and entrenched applications, BankSimple’s team has the freedom to build an innovative, user-friendly online interface, customer service program, and the associated mobile and social bells and whistles that more and more consumers are demanding. One way to look at it is as a wrapper insulating the consumer from the accounting, compliance, and technology challenges that many banks face. Like personal finance sites https://www.360docs.net/doc/6716510909.html, and Wesabe before it, BankSimple is looking to tap into a perceived gap between what major banks provide and what consumers want. A recent survey by ForeSee Results and Forbes found that consumers view online banking as more satisfying than banking done offline. Though good news for the industry as a whole, the survey also found that the five largest banks in the country scored the lowest in the study. Cheaper and more customer friendly, digital banking is the future—but many consumers are finding it is better done with credit unions, community banks, and (down-the-road) startups like BankSimple. As you read, significant investments are being made by banks to improve their online, mobile, and IVR customer-friendliness. Major banks are embracing these channels, and customer satisfaction will likely improve over time. Even so, startups like Bank- Simple should be viewed as a learning opportunity. Their ideas are disruptive and often highlight pain points that need to be addressed. BankSimple’s first two stated philosophies are a good place to start: “A simpler way of banking” and “We treat you with respect.”
常见职务职位英文翻译
常见职务职位英文翻译 希望对你有帮助哦!总公司Head Office分公司Branch Office营业部Business Office人事部Personnel Department(人力资源部)Human Resources Department总务部General Affairs Department财务部General Accounting Department销售部Sales Department促销部Sales Promotion Department国际部International Department出口部Export Department进口部Import Department公共关系Public Relations Department广告部Advertising Department企划部Planning Department产品开发部Product Development Department研发部Research and Development Department(R&D)秘书室Secretarial PoolAccounting Assistant 会计助理Accounting Clerk 记帐员Accounting Manager 会计部经理Accounting Stall 会计部职员Accounting Supervisor 会计主管Administration Manager 行政经理Administration Staff 行政人员Administrative Assistant 行政助理Administrative Clerk 行政办事员Advertising Staff 广告工作人员Airlines Sales Representative 航空公司定座员Airlines Staff 航空公司职员Application Engineer 应用工程师Assistant Manager 副经理Bond Analyst 证券分析员Bond Trader 证券交易员Business Controller 业务主任Business Manager 业务经理Buyer 采购员Cashier 出纳员Chemical Engineer 化学工程师
金融专业英语及翻译
Opposite指“位置、方向、地位、性质、意义等对立的、相反的”, 如: 如: “True” and “ false ” have opposite meanings. “真”与“假”有着相反的意思。 Contrary指“两物朝相反的方向发展”, 含有“互相冲突, 不一致”的意思, 如: Your plan is contrary to mine. 你的计划与我的相反。 Inverse 颠倒的；倒数的 Evil is the inverse of good. Reverse 反过来，翻转 He reversed the car. 他倒车. 教育类 素质教育 education for all-round development 应试教育 the examination-oriented education 义务教育 compulsory education 片面追求升学率 place undue emphasis on the proportion of students' entering school of a higher level 高分低能 good scores but low qualities 扩招 expand enrollment 教书育人 impart knowledge and educate people 因材施教 teach students according to their aptitude 提高身心素质 improve the health and psychological quality 大学生创业 the university students' innovative undertaking 社会实践 social practice 文凭 diplomas and certificates 复合型人才 interdisciplinary talents 文化底蕴 the rich cultural deposits 适应社会的改变 adjust to the social changes 满足社会的急需 meet the urgent needs the society 工作类 人才流动和双向选择 talent flow and a dual-way selection 试用期 probationary period 跳槽 job-hopping 自由职业 freelance work 拜金主义 money worship 获得名利 achieve fame and wealth 充分发挥个人的潜力 develop fully one's potential and creativity 工作出色 excel in one's work 社会和个人的尊重 social and personal esteem 生计问题 a bread and butter issue 人才交流 talents exchange 培养人才 cultivate talents 人才外流 brain drain 失业问题 unemployment problems 下岗职工 the laid-off workers 自谋生路 be self-employed 劳动力短缺 shortage of manpower 医药卫生类 卫生环境 sanitary environment 营养不良 malnutrition
计算机专业外文文献翻译6
外文文献翻译（译成中文2000字左右）： As research laboratories become more automated,new problems are arising for laboratory managers.Rarely does a laboratory purchase all of its automation from a single equipment vendor. As a result,managers are forced to spend money training their users on numerous different software packages while purchasing support contracts for each. This suggests a problem of scalability. In the ideal world,managers could use the same software package to control systems of any size; from single instruments such as pipettors or readers to large robotic systems with up to hundreds of instruments. If such a software package existed, managers would only have to train users on one platform and would be able to source software support from a single vendor. If automation software is written to be scalable, it must also be flexible. Having a platform that can control systems of any size is far less valuable if the end user cannot control every device type they need to use. Similarly, if the software cannot connect to the customer’s Laboratory Information Management System (LIMS) database,it is of limited usefulness. The ideal automation software platform must therefore have an open architecture to provide such connectivity. Two strong reasons to automate a laboratory are increased throughput and improved robustness. It does not make sense to purchase high-speed automation if the controlling software does not maximize throughput of the system. The ideal automation software, therefore, would make use of redundant devices in the system to increase throughput. For example, let us assume that a plate-reading step is the slowest task in a given method. It would make that if the system operator connected another identical reader into the system, the controller software should be able to use both readers, cutting the total throughput time of the reading step in half. While resource pooling provides a clear throughput advantage, it can also be used to make the system more robust. For example, if one of the two readers were to experience some sort of error, the controlling software should be smart enough to route all samples to the working reader without taking the entire system offline. Now that one embodiment of an ideal automation control platform has been described let us see how the use of C++ helps achieving this ideal possible. DISCUSSION C++: An Object-Oriented Language Developed in 1983 by BjarneStroustrup of Bell Labs,C++ helped propel the concept of object-oriented programming into the mainstream.The term ‘‘object-oriented programming language’’ is a familiar phrase that has been in use for decades. But what does it mean? And why is it relevant for automation software? Essentially, a language that is object-oriented provides three important programming mechanisms:
金融学专业外文翻译(中英对照、翻译专业修改好了的)
论文题目：关于巴塞尔II：新巴塞尔资本协议的影响 学院名称：财经学院专业班级：金融0814班学生姓名：王庆贺 外文题目：Dealing with Basel II: the impact of the New Basel Capital Accord 出处：Balance Sheet,2003,Vol.11(No.4) 作者：Thomas Garside and Jens Bech 译文： 关于巴塞尔II：新巴塞尔资本协议的影响 托马斯·加赛德和杰尼斯·伯克 摘要：国际监管机构在2003年完成新资本协议，银行决定在2006年底执行这个协议。巴塞尔协议是对全球银行业改革的监管。在本文中，我们回顾新巴塞尔资本协议内容以及一些我们所期望对欧洲银行业发生的重要影响。正如在第一届巴塞尔协议修正案（Basel I）中，我们得出结论，新巴塞尔协议不仅对持有资本额的数量做了规定，还对银行业的战略格局进行展望。 关键词：银行，流动性，监管，风险管理 新巴塞尔资本协议的新规则 巴塞尔委员会虽然只是公布了三分之一，但这很可能是协商的最后新资本协议（Basel II）文件。这项建议如获通过，将会深刻地改变银行的偿付能力的方式，监管机构监管银行风险管理实施过程和银行必须对市场参与者公布的风险信息量，经过讨论会，巴塞尔委员会预计将在2003年底发布的新资本协议的最后草案。 目前的巴塞尔资本协议（Basel I）对达到加强国际金融体系的稳定的既定目标已经有了显著成效，通过在不同国家持续应用本协议的同时，增加了资本水平，创造了一个更公平的竞争领域。总的来说，目前的全球一级资本的平均水平从1993年的约6%升至8%，此外，巴塞尔资本协议已经应用于100多个国家，远远超过最初的预期。 尽管实现其最初目标的成效很明显，很显然，对于巴塞尔我有一些意想不到的不
常见职位职务英文翻译
常见职位职务英文翻译 Accounting Assistant会计助理 Accounting Clerk记帐员 Accounting Manager会计部经理 Accounting Stall会计部职员 Accounting Supervisor会计主管 Administration Manager行政经理 Administration Staff行政人员 Administrative Assistant行政助理 Administrative Clerk行政办事员 Advertising Staff广告工作人员 Airlines Sales Representative航空公司定座员 Airlines Staff航空公司职员 Application Engineer应用工程师 Assistant Manager副经理 Bond Analyst证券分析员 Bond Trader证券交易员 Business Controller业务主任 Business Manager业务经理 Buyer采购员 Cashier出纳员 Chemical Engineer化学工程师 Civil Engineer土木工程师 Clerk/Receptionist职员／接待员 Clerk Typist&Secretary文书打字兼秘书 Computer Data Input Operator计算机资料输入员Computer Engineer计算机工程师 Computer Processing Operator计算机处理操作员Computer System Manager计算机系统部经理 Copywriter广告文字撰稿人 Deputy General Manager副总经理 Economic Research Assistant经济研究助理 Electrical Engineer电气工程师 Engineering Technician工程技术员 English Instructor/Teacher英语教师 Export Sales Manager外销部经理 Export Sales Staff外销部职员 Financial Controller财务主任 Financial Reporter财务报告人 F.X.(Foreign Exchange)Clerk外汇部职员 F.X.Settlement Clerk外汇部核算员 Fund Manager财务经理 General Auditor审计长 General Manager/President总经理
金融学考研专业英语词汇列表(经济类)
金融学考研专业英语词汇列表（经济类）1．air pocket气囊：指一种股票的显而易见的极其虚弱性。 2．backdoor listing后门上市：一家公司因其自身未能符合交易所上市规定，便买进一个上市公司，将自身并入其中而使自己能够上市。 3．basket purchase一篮子购买：以一种价格购买一组资产。然而在记帐同时，每件物品可以单独记入，并对每件资产指定一个成本。 4．bear trap空头陷阱：当股票下跌时，引起大量抛售，然后价格又上涨。 5．bed and breakfast deals床头和早餐交易：卖空骗局，个人或公司根据事先安排的交易，先卖出股票，继而在第二天买回，以此形成一个抵消资本收益的税损。本做法仅存于英国。 6．bottom fisher底部钓鱼人：寻找那些价格已跌至最底点，即将发生转机的商品或股票投资者。在有些情况指购买破产或濒临破产组织的股票或债券的人们。 7．butterfly spread蝴蝶差：同时在相同或不同的市场上买或卖三种期货合同，产生利润和借贷权。 8．Chinese Wall中国墙：不可逾越的障碍物，用以阻止华尔街商行的交易区 不公正地使用投资银行家们从客户那里秘密获得的信息。 9．fallen angle下坠天使：大公司的高价证券因某些不利的负面消息而使价格突然下跌。 10．golden handcuffs金手铐：将经纪人和经纪人事务所连结起来的合同；是经纪业对经纪人从一个公司到另一个公司频繁变动的反应。一般包括将其受雇时接受的大部分报酬返还原公司的协议。 11．gold brick假金砖：毫无价值的带有欺诈特点的证券。 12．gray knight灰骑士：公司收购中并非收购对象所寻求的投机性二次投标者，只想利用收购对象和原投标者之间的问题而牟利。 13．graveyard market墓地市场：一种在其中的不能出来，而在外面的不能进去的证券市场。 14．lame duck跛脚鸭：冒险失败的投机者或股票交易中资不抵债的人。
计算机专业外文翻译
专业外文翻译 题目JSP Technology Conspectus and Specialties 系（院）计算机系 专业计算机科学与技术 班级 学生姓名 学号 指导教师 职称讲师 二〇一三年五月十六日
JSP Technology Conspectus and Specialties The JSP (Java Server Pages) technology is used by the Sun micro-system issued by the company to develop dynamic Web application technology. With its easy, cross-platform, in many dynamic Web application programming languages, in a short span of a few years, has formed a complete set of standards, and widely used in electronic commerce, etc. In China, the JSP now also got more extensive attention; get a good development, more and more dynamic website to JSP technology. The related technologies of JSP are briefly introduced. The JSP a simple technology can quickly and with the method of generating Web pages. Use the JSP technology Web page can be easily display dynamic content. The JSP technology are designed to make the construction based on Web applications easier and efficient, and these applications and various Web server, application server, the browser and development tools work together. The JSP technology isn't the only dynamic web technology, also not the first one, in the JSP technology existed before the emergence of several excellent dynamic web technologies, such as CGI, ASP, etc. With the introduction of these technologies under dynamic web technology, the development and the JSP. Technical JSP the development background and development history In web brief history, from a world wide web that most of the network information static on stock transactions evolution to acquisition of an operation and infrastructure. In a variety of applications, may be used for based on Web client, look no restrictions. Based on the browser client applications than traditional based on client/server applications has several advantages. These benefits include almost no limit client access and extremely simplified application deployment and management (to update an application, management personnel only need to change the program on a server, not thousands of installation in client applications). So, the software industry is rapidly to build on the client browser multilayer application. The rapid growth of exquisite based Web application requirements development of
金融学毕业论文外文翻译中英文全
Improve the concept of financial supervision in rural areas1 Xun Qian Farmers in China's vast population, has some large-scale production of the farmers, but also survival-oriented farmers, huge differences between the financial needs of rural finance intermediation makes complex, together with agriculture itself is the profit low, natural and market risks high risk decision to weak agricultural industry characteristics, resulting in the cost of rural financial transactions is far higher than the city, also decided to organize the rural financial system in terms of operation or in the market has its own special characteristics. 20 years of financial reform, financial development while the Chinese city made impressive achievements, but the rural finance is the entire financial system is still the weakest link. Insufficient supply of rural finance, competition is not sufficient, farmers and agricultural enterprises in getting loans and other issues is also very prominent, backward rural financial system can no longer effectively support the development of modern agriculture or the transformation of traditional agriculture and the building of new socialist countryside, which to improve the rural financial supervision new topic. China's rural financial regulatory problems (A) the formation of China's financial regulatory system had "a line three commission " (People's Bank, the Securities Regulatory Commission, Insurance Regulatory Commission and the Banking Regulatory Commission) financial regulatory structure. Bank These stringent requirements, different management and diversification of monitoring has its positive role, but it also had some negative effects. First, inefficient supervision, supervision of internal consumption of high costs, limited financial industry business development and innovation space. Second, the regulatory agencies, regulatory bodies and the information asymmetry between central banks, banking, securities, and insurance mechanisms of coordination between regulatory bodies are not perfect. Information between central banks and regulatory agencies is difficult to share, is difficult to create effective monitoring force. Basically between the various 1American Journal of Agricultural Economics，2009.