关键词：
1、人口年轻化，收入持续增长为人寿保险业的发展创造了有利条件。
2、美国国际保险集团是美国最大的商业和工业承保商，但它的运营收入的50％来自海外的经营。
3、共同保险是指由几家保险公司共同分担保险单中的风险。
4、债务保险是一种新的保险业务。有人说，中国的保险公司还没有开展这种保险业务。
5、债券与股票都是证券，但两者有区别。最本质的区别是：债券是债务凭证，而股票则是所有权的证明。
6、股市分两种，一种叫“牛市”，指股票价格持续上扬的股票市场；另一种叫“熊市”，指股价不断下跌的股票市场。
7、成100股的股票交易称之为“整份购买”。少于100股的股票购买称之为“零星购买”。零星购买时，“投资者”要交较高的费用。
8、除付股票价格外，购买者还得向经济商行（brokerage firm）支付服务佣金，佣金一般是股票交易总价值的1－2％。
9、造成泰国金融危机的原因不少，其中主要的有：严重的经常项目逆差、泰铢的过早自由兑换，以及短期外国投机资本流入过多。
10、经济学中长期争论的一个问题是：固定汇率是否优于浮动汇率？对此问题作出过分简单的回答是不适当的，因为无论哪种汇率都是不完美的，它们都有自己的优点和缺点。
谢谢各位的帮忙，另外还有两题，都是300分翻译10句的，如果有兴趣的话可以一起做
http://zhidao.baidu.com/question/17566768.html
http://zhidao.baidu.com/question/17563499.html
不要用机器翻译，用词尽量专业。
看来真的是高手如云。
2、明年人民币的升值压力将会有所减少。2, the pressure on China to revalue the renminbi next year will be reduced. 外国投资的流入速度正在变得缓慢起来。The inflow of foreign investments is becoming slow speed up. 出口增长的减少将使中国贸易顺差缩小，其结果是中国的国际收支状况将肯定变坏。Export growth will reduce China's trade surplus narrowed, the result of China's international balance of payments situation will certainly deteriorate.
3、商业银行的主要职能之一是为商品的生产与流通提供短期资金。3, a commercial bank and one of its major functions is to provide short-term capital goods production and circulation.
4、在西方发达国家有两种财务报表是最基本的：一种是收入报表或盈亏报表，另一种是资产负债表。4, the Western countries have two : one is the most basic financial statements or profit and loss statements, income statements. Another is the balance sheet. 资产负债表列出了公司资产和负债的财务报表，能显示一个公司的经营状况和财务状况。The balance sheet presents the company's assets and liabilities in financial statements, will show a company's business condition and financial status.
5、银行最重要的特征是，它能吸收存款和发放贷款，而一般非银行金融机构是不能这样做的。5, Bank of the most important features is that it can attract deposits and loans. and the general non-bank financial institutions are unable to do so.
6、美国“格拉斯－斯蒂高尔法案”（Glass-Steagall Act)不允许美国商业银行从事投资银行业务。6. The United States, "Glass-Steagall Act" (Glass-Steagall Act), do not allow the United States commercial banks engaged in investment banking.
7、虽然竞争日益激烈，但英美的投资银行仍能赚到很多的钱，这是为什么呢？7, although competition is becoming increasingly fierce, but the British and American investment banks can earn a lot of money, which is why? 有一种解释是：股票包销业务仍能依赖发行者与银行之间的密切关系，这使得竞争者很难挤进来。One explanation is this : The stock underwriting business can rely on the close relationship between the issuer and the banks. It is difficult to squeeze competitors to make.
8、在英国有牵头包销者（lead underwriter），通常为投资银行来帮助安排股票发行事宜。8, the lead underwriter in the United Kingdom (lead underwriter). usually stock issue arranged for investment banks to help matters. 但在实施过程中，牵头包销者会充分重视分包销商（sub－unerwriters）以及机构投资者的作用。But in the process of its implementation, lead underwriters will pay full attention to sub-underwriters (sub-unerwriters) and the role of institutional investors.
9、在美国付给股票包销者的费用是比较高的，部分原因是美国的高营销成本。9, stock underwriters in the United States to pay the cost is relatively high, partly because of the high marketing cost to the United States.
10、大多数股票发行者为老字号的大企业。10, and most of the stocks were issued for the oldest name in large enterprises. 它们很少抱怨包销费用的多少。They seldom complain about the amount underwriters. 但从另一方面看，由于这些强有力的大客户，投资银行在其他服务领域，如兼并咨询费方面被迫减少了费用收入。From another perspective, as these big and powerful clients, investment banking services in other areas. being forced to reduce costs as merger advisory revenue.
1, lowering the average age of the population, income growth to create favorable conditions for the development of the life insurance industry.
2、美国国际保险集团是美国最大的商业和工业承保商，但它的运营收入的50％来自海外的经营。2, American International Insurance Group is the nation's largest commercial and industrial insurance business. but 50% of its operating income from overseas operations.
3、共同保险是指由几家保险公司共同分担保险单中的风险。3, co-insurance is shared by several insurance companies, the insurance risk.
4、债务保险是一种新的保险业务。4, debt insurance is a new business. 有人说，中国的保险公司还没有开展这种保险业务。Some people say that China's insurance companies have not carried out such insurance.
5、债券与股票都是证券，但两者有区别。5, stocks and bonds are securities, but there is a distinction between them. 最本质的区别是：债券是债务凭证，而股票则是所有权的证明。Notes : The essential difference is the debt instruments, while the stock is evidence of title.
6、股市分两种，一种叫“牛市”，指股票价格持续上扬的股票市场；另一种叫“熊市”，指股价不断下跌的股票市场。6, the stock market at the two, called a "bull market," referring to the stock market share prices continued to rise; Another is "bearish" referring to the falling stock market prices.
7、成100股的股票交易称之为“整份购买”。7, the 100 shares of stock transactions called "the whole purchase." 少于100股的股票购买称之为“零星购买”。Less than 100 shares of stock as "sporadic buying." 零星购买时，“投资者”要交较高的费用。Sporadic buying, "investors" have to pay a higher fee.
8、除付股票价格外，购买者还得向经济商行（brokerage firm）支付服务佣金，佣金一般是股票交易总价值的1－2％。8, the stock price was paid, economy buyers need to firms (brokerage firm) payment services commission The commission is generally 1-2% of the total value of stock transactions.
9、造成泰国金融危机的原因不少，其中主要的有：严重的经常项目逆差、泰铢的过早自由兑换，以及短期外国投机资本流入过多。9, the Thai financial crisis caused by many reasons, chief of which are : the current account deficit. Premature free convertibility of the Thai baht and excessive short-term foreign speculative capital inflows.
10、经济学中长期争论的一个问题是：固定汇率是否优于浮动汇率？10, the long-term economics is an issue of dispute : whether it is superior to a fixed exchange rate floating exchange rate? 对此问题作出过分简单的回答是不适当的，因为无论哪种汇率都是不完美的，它们都有自己的优点和缺点。The simple answer to this question is too much inappropriate, because no matter what the exchange rate is not perfect. They have their own advantages and disadvantages.
1, the fixed rate or floating rate are not a substitute for sound macroeconomic policies. 这些政策显然包括货币政策和财政政策。Clearly these policies, including monetary policy and fiscal policy.
2、由于最近泰国实施了一些极端的控制手段，泰国银行已不被允许向进行投机的外国投资者出售投资者出售其本国货币，外国投资者也不能再出售泰国股票换成泰铢。2, due to the recent implementation of the extreme means of control in Thailand. Bank of Thailand has not allowed foreign investors to sell speculative investors to sell their own currencies, Thailand could no longer sell shares to foreign investors into the Thai baht.
3、联邦储备银行系统（简称“美联储”）是美国的中央银行，其职能是：政府的银行、银行的银行、发行的银行和执行货币政策。3, the Federal Reserve Bank System ( "Federal Reserve Board") is the Central Bank of the United States, whose function is : bank Bank of banks, issuing banks and the implementation of monetary policy.
4、在美国有12格联邦储备区，每个区都设有一个联邦储备银行。4, 12 Georgia in the United States Federal Reserve districts, each have a Federal Reserve Bank. 为协调这12个联储银行的业务活动，在首都华盛顿建立了联邦储备委员会。This 12 Federal Reserve banks for the coordination of operational activities, the establishment of the Federal Reserve Board in Washington.
5、公开市场操作涉及到对政府证券的买卖，政府证券包括短期国库券（treasury bills）和长期债券两种。5, the open market operation involving the sale of government securities. Treasuries, including short-term government securities (treasury bills) and two long-term bonds. 出售这些证券可以减少货币供应，而当购买这些证券时可以使利率下减，增加货币供应，从而加快经济发展。These securities may be sold to reduce the money supply and interest rates when buying these securities can be lowered under increasing money supply, in order to accelerate economic development.
6、美联储除用贴现政策、存款准备金、公开市场业务这些传统的执行货币政策工具外，近几年来还越来越多地使用利率来调节货币供应量。6, in addition to the Federal Reserve discount policy, the deposit reserve requirement, the implementation of the open market operations of these traditional tools of monetary policy, In recent years also increasingly using interest rates to regulate money supply.
7、银行破产经常让政府感到恐惧，因此不少国家的政府创立了存款保险计划，如成立存款保险公司。7, bankruptcy often let the banks fear the government, the governments of many countries are founded a deposit insurance scheme. If the establishment of Deposit Insurance Corporation. 这样做的目的是为了保护储户使他们免受因银行破产所带来的损害。Their purpose in doing so is to protect depositors and keep them from the damage caused by the insolvency of banks.
8、呆帐、坏帐问题不能小看，这些问题会导致一连串银行破产的发生。8, so the problem of bad debts should not be underestimated, which will lead to a series of bank insolvencies from happening. 资本充足标准就是在此背景下产生的。Capital Adequacy Standards in the background. 该标准要求银行留出一定数量的钱以便在银行资产价值失去时保护存款人和债权人的利益。The standards require banks to set aside a certain amount of money in the bank to protect the value of the assets lost when the interests of depositors and creditors.
9、一些借款人不付利息，甚至不能付还本金，这是商业面临的风险。9, some borrowers do not pay interest, not even on repayment of principal, which is the commercial risk. 为对付这种风险，按国际标准，银行必须至少留出相当其贷款组合价值的8％。To counter this risk, in accordance with international standards, banks are required to set aside at least 8% of the value of their loan portfolios quite. 世界上不少银行家认为此标准业已过时，一些银行管理者也觉得有关的国际资本充足规定必须现代化，以适应新的已改变了的形势。Many of the world's bankers that this standard has been outdated Some managers also feel that the international capital adequacy requirements must be modernized to meet the new situation has changed.
10、银行提供的贷款有风险，但风险并不一致。10, the bank's lending risk, but risk is not unanimous. 对政府和金融机构的贷款风险肯定比向一般企业的贷款风险要小。Loans to the government and financial institutions to risk than the risk of loans to small businesses in general. 即使向企业的贷款风险也有差别。Even if there are differences in the risk of loans to enterprises. 对盈利甚丰的公司的贷款几乎没有风险，而向一个亏损企业的贷款风险则一定很大。HSBC profit for the company's credit almost no risk to the risk of loans is certainly a great loss. 参考技术A 楼上的zealotz - 见习魔法师 三级 回答的不错，然而毕竟实力和我还是差那么一点点，但是仅就这一点点，就酿成了很大的甚至是致命的错误。“年轻化”不能用contra-aging of the population，也不可以直接意译为younger population. 有专门的术语：“Rejuvenation of population”。此外，保险单 insurance policy，貌似“保险政策”或者“保险方针”，这是专业术语，需要你注意。“牛市” ,“熊市”也是比较形象的专业译法。
1、人口年轻化，收入持续增长为人寿保险业的发展创造了有利条件。
Rejuvenation of population and income continuous growth have created favorable conditions for the development of life insurance.
2、美国国际保险集团是美国最大的商业和工业承保商，但它的运营收入的50％来自海外的经营。
American International Assurance Co., Ltd. (AIA）is the biggest commercial and industrial underwriter in US, but 50% of its operational income is from overseas operation.
3、共同保险是指由几家保险公司共同分担保险单中的风险。
Co-insurance refers to the co-share of the risks listed in the insurance policy by several insurance companies.
4、债务保险是一种新的保险业务。有人说，中国的保险公司还没有开展这种保险业务。
Debt insurance is a new insurance business. It has been demonstrated that Chinese insurance companies have not operated this insurance business yet.
5、债券与股票都是证券，但两者有区别。最本质的区别是：债券是债务凭证，而股票则是所有权的证明。
Both bond and stock are securities, but they are different. The most essential difference between them is as follows: bond is debt obligation while stock is approval of right of ownership.
6、股市分两种，一种叫“牛市”，指股票价格持续上扬的股票市场；另一种叫“熊市”，指股价不断下跌的股票市场。
Stock markets are divided into two types. The one is called “Bull market”, which refers to the stock markets with continual-advancing stock price; and the other is called “Bear Market”, which refers to the stock markets with continual-declining stock price.
7、成100股的股票交易称之为“整份购买”。少于100股的股票购买称之为“零星购买”。零星购买时，“投资者”要交较高的费用。
Stock exchange with 100 shares is called “Whole Batch Buying”, and Stock exchange with less than100 shares is called “Bulk Buying”. Investors should pay fairly high payments in bulk buying.
8、除付股票价格外，购买者还得向经济商行（brokerage firm）支付服务佣金，佣金一般是股票交易总价值的1－2％。
Besides the payment of stocks, the buyers should pay additional service funds being 1-2% of the total value of stock exchange to their brokerage firms.
9、造成泰国金融危机的原因不少，其中主要的有：严重的经常项目逆差、泰铢的过早自由兑换，以及短期外国投机资本流入过多。
There are many factors caused finance crisis in Thailand, among them the main factors include serious trade deficit of common projects, over-earlier free exchange of Thai Baht, and overflow of short-term foreign investment.
10、经济学中长期争论的一个问题是：固定汇率是否优于浮动汇率？对此问题作出过分简单的回答是不适当的，因为无论哪种汇率都是不完美的，它们都有自己的优点和缺点。
A problem with long-term controversy in economics is: whether fixed exchange rate is better than floating exchange rate? It’s not proper to answer it with a too simple answer for neither exchange rate is perfect; both of them have their own advantages and disadvantages.本回答被提问者采纳 参考技术B 1、人口年轻化，收入持续增长为人寿保险业的发展创造了有利条件。
我只知道老龄化是Aging of the population,不知道年轻化能不能用contra-aging of the population.如果不放心，可以直接意译为younger population.
Younger population and continuously rising national income create advantaged environment for life insurance industry.
2、美国国际保险集团是美国最大的商业和工业承保商，但它的运营收入的50％来自海外的经营。
商业和工业承保商。。。这段的中文翻译的不好，英文本意我想不懂，难道是Property and casualty insurance?还是照翻吧。
AIG is the biggest commercial and industrial insurance underwriter in USA. However, 50% of its operating revenue is from overseas business.
3、共同保险是指由几家保险公司共同分担保险单中的风险。
Mutual insurance is a kind of insurance that several insurers share the risk of a insurance contract.
4、债务保险是一种新的保险业务。有人说，中国的保险公司还没有开展这种保险业务。
Debt insurance is a kind of burgeoning insurance. It's said by some people that it has not been provided by China's insurer yet.
5、债券与股票都是证券，但两者有区别。最本质的区别是：债券是债务凭证，而股票则是所有权的证明。
Bonds and stocks are all securities. The most essential difference is that, bonds are warrant for liabilities, while stocks are certificate for ownership.
6、股市分两种，一种叫“牛市”，指股票价格持续上扬的股票市场；另一种叫“熊市”，指股价不断下跌的股票市场。
There are two kinds of stock market; one is "bull market" where stocks' prices rise continuously, the other is "bear market" where stocks' prices fall continuously.
7、成100股的股票交易称之为“整份购买”。少于100股的股票购买称之为“零星购买”。零星购买时，“投资者”要交较高的费用。
整手买卖和非整手买卖应该分别是"round-lot order", "round-lot-plus order"，不满一手的交易我不太清楚。
Stock exchange of 100s shares is called "round-lot order", otherwise it'll be called "round-lot-plus order". If an investor puts a "round-lot-plus order", he'll pay a higher commission.
8、除付股票价格外，购买者还得向经济商行（brokerage firm）支付服务佣金，佣金一般是股票交易总价值的1－2％。
Stock purchaser has to pay a service commission to the brokerage firm other than the price of stock; the commission is always 1-2% of the exchange price.
9、造成泰国金融危机的原因不少，其中主要的有：严重的经常项目逆差、泰铢的过早自由兑换，以及短期外国投机资本流入过多。
There are many reasons that cause the Thailand financial crisis, among which the main ones are, serious deficit in current account, the premature convertible Thai Baht, and too much foreign speculative capital in a short time.
10、经济学中长期争论的一个问题是：固定汇率是否优于浮动汇率？对此问题作出过分简单的回答是不适当的，因为无论哪种汇率都是不完美的，它们都有自己的优点和缺点。
One question that has been discussed for a long time in economics is whether fixed exchange rate is better than floating exchange rate. It's not appropriate to give a simple answer to this, because neither of them is perfect. Either of them has its advantage and disadvantage. 参考技术C 1,The population is young to turn, the income kept on the development that increases for the insurance industry to create a beneficial condition.
2,The American international insurance group is the biggest business of the United States and industry to stand as guarantor a company, but its luck earning go into of 50% come from the management of the overseases.
3,The coinsurance means to be shared the risk in the insurance policy together by a few insurance companies.
4,The obligation insurance is a kind of new insurance business.Someone says the insurance company of China haven't yet open this kind of insurance business of exhibition.
5,All of the bond and stocks are stock certificates, but both have differentiation.The most hypostatic differentiation BE:The bond is the obligation certificate, but the stock is a proprietorship certificate then.
6,The stock market divide two kinds of, a kind of call"bull market", point the stock market that the stock price ups continuously;Another a kind of call"bear City", point the stock market that the stock price declines continuously.
7,Become 100 stock bargains calls it as"whole purchase".Less than 100 stocks purchase to call it as"purchase piecemeal".While purchasing piecemeal, "investor" wants to hand over higher expenses.
8,The The In addition to paying the stock price, the the purchase still have to pay the service commission toward the economic trading company(the the the brokerage firm), the commission is a stock to trade total value generally of 1 the － is 2%.
9,The The Make the reason of[with] the the Thai financial crisis not a few, the the mainly have among them:the the Serious of usually item unfavorable variance, the the the Baht of over exchange freely early, and the short-term foreign country speculate capital afflux excessive.
10,A problem that disputes over a long period of time in the economics BE:Does fix rate of exchange surpass floating rate of exchange?Making an excessively simple answer to this problem is out of character, because no matter which rate of exchanges it is is all not perfect, they all have an own the advantage and the weakness.
回答者：々军旗爱好者￡ - 秀才 二级 12-31 11:36
1 that rejuvenation of population , income continue increasing by for development of life insurance job has created advantage.
2, the USA international is sure that Corp. is USA maximal commerce and industry acceptance merchant, but that its being in motion and doing business takes in 50% comes from overseas managing.
3, the coinsure is to point to risk in sharing insurance receipt commonly from several insurance companies.
4, debt is sure being one kind of new insurance services. Somebody said , the Chinese insurance company does not carry out this insurance services.
5, the bond and stock all are that the bond, but both have a difference. The nature difference is most: The bond is a debt voucher, but stock is the proprietary right certificate then.
6, stock market is called "bull market" mark two kinds , one kind , points to share price have continued for the stock market raising; Another one kind shouts "bear market ", stock market pointing to share price drop unceasingly.
8,The stock business becoming 100 share is called "entire share purchase ". Less than 100 share stock purchase is called "a small amount purchase ". When a small amount purchase, the "investor" needs to pay higher cost.
firm (brokerage firm) payment , is general value of buying and selling of stocks 1－2 %like commission .
9, the cause bringing about the Thailand financial crisis does not stop having among them mainly: Grave current account adverse balance of trade , dull premature of Thailand are freely convertible, as well as the short-term foreign country speculates in a capital inflow more than the correct or required number.
10, in economics, a problem of long range argument is: Floating rate whether or not better than fixing exchange rate? Making the excessive simple answer to this problem is no appropriate , they all merits and demerits having self because of no matter which exchange rate kind all is no consummate.
这纯属于是再线翻译或用金山翻的..千万别 参考技术D 1、人口年轻化，收入持续增长为人寿保险业的发展创造了有利条件。
2、美国国际保险集团是美国最大的商业和工业承保商，但它的运营收入的50％来自海外的经营。
3、共同保险是指由几家保险公司共同分担保险单中的风险。
4、债务保险是一种新的保险业务。有人说，中国的保险公司还没有开展这种保险业务。
5、债券与股票都是证券，但两者有区别。最本质的区别是：债券是债务凭证，而股票则是所有权的证明。
6、股市分两种，一种叫“牛市”，指股票价格持续上扬的股票市场；另一种叫“熊市”，指股价不断下跌的股票市场。
7、成100股的股票交易称之为“整份购买”。少于100股的股票购买称之为“零星购买”。零星购买时，“投资者”要交较高的费用。
8、除付股票价格外，购买者还得向经济商行（brokerage firm）支付服务佣金，佣金一般是股票交易总价值的1－2％。
9、造成泰国金融危机的原因不少，其中主要的有：严重的经常项目逆差、泰铢的过早自由兑换，以及短期外国投机资本流入过多。
10、经济学中长期争论的一个问题是：固定汇率是否优于浮动汇率？对此问题作出过分简单的回答是不适当的，因为无论哪种汇率都是不完美的，它们都有自己的优点和缺点。
1,The population is young to turn, the income kept on the development that increases for the insurance industry to create a beneficial condition.
2,The American international insurance group is the biggest business of the United States and industry to stand as guarantor a company, but its luck earning go into of 50% come from the management of the overseases.
3,The coinsurance means to be shared the risk in the insurance policy together by a few insurance companies.
4,The obligation insurance is a kind of new insurance business.Someone says the insurance company of China haven't yet open this kind of insurance business of exhibition.
5,All of the bond and stocks are stock certificates, but both have differentiation.The most hypostatic differentiation BE:The bond is the obligation certificate, but the stock is a proprietorship certificate then.
6,The stock market divide two kinds of, a kind of call"bull market", point the stock market that the stock price ups continuously;Another a kind of call"bear City", point the stock market that the stock price declines continuously.
7,Become 100 stock bargains calls it as"whole purchase".Less than 100 stocks purchase to call it as"purchase piecemeal".While purchasing piecemeal, "investor" wants to hand over higher expenses.
8,The The In addition to paying the stock price, the the purchase still have to pay the service commission toward the economic trading company(the the the brokerage firm), the commission is a stock to trade total value generally of 1 the － is 2%.
9,The The Make the reason of[with] the the Thai financial crisis not a few, the the mainly have among them:the the Serious of usually item unfavorable variance, the the the Baht of over exchange freely early, and the short-term foreign country speculate capital afflux excessive.
10,A problem that disputes over a long period of time in the economics BE:Does fix rate of exchange surpass floating rate of exchange?Making an excessively simple answer to this problem is out of character, because no matter which rate of exchanges it is is all not perfect, they all have an own the advantage and the weakness.
参考资料：书上
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