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2019考研英语期刊阅读指导篇

2019考研英语期刊阅读指导篇
2019考研英语期刊阅读指导篇

2019考研英语期刊阅读指导篇

考研英语阅读百分之八十都出自一些英美报刊杂志The Economist ( 《经济学家》), Times( 《时代周刊》等等,所以考生平时做阅读训练的时候可以多看看这些文章,新东方在线也会分享一些出自这些杂志的中英文双语阅读,大家可以看看。下面是关于移民金融的一篇文章,大家读读看。

2019考研英语《经济学人》阅读:移民金融

Finance and economics

金融商业

Banking for immigrants-Far-sighted

移民金融—未来福地

Catering to foreign-born customers is a growingniche in finance

迎合外来国民的金融需求,正逐渐成为金融中的利基市场

MOST banks wouldn't lend to Roberta. She arrived in New York from Mexico with papers but nocredit history. But Neighborhood Trust Federal Credit Union, which specialises in lending toimmigrants, gave her advice and a $2,000 loan. She started out selling Mexican food from acart. She now runs a food truck, employs five people and has plans to expand.

大多数银行不愿意贷款给罗贝塔。她从墨西哥来到纽约的时候,虽然有身份证件,但是却无信用记录。只有专做移民贷款的社区信托联邦信用合作社向她提供了咨询,并贷款2000美元。她最初在推车上贩卖墨西哥菜,如今,她有一辆快餐车,还雇了五名员工,并打算扩大她的生意。

Many immigrants, like Roberta, want to save or start a business. But they struggle to getfinance. In America 23% of households headed by a non-citizen, and 35% of households whereonly Spanish is spoken, have no bank accounts—compared with 8% for the population as awhole. There are multiple barriers: not just low incomes, which make it hard to meet minimum-balance requirements, but also trouble with language, identification and trust.

许许多多的移民希望能经营点生意,或者让自己的生意不致破产,但是融资是摆在它们面前的一道难关,罗贝塔只是他们中的一个。在美国8%的家庭没有银行账户。其中,由非美籍公民支撑的家庭占比23%,只会说西班牙语的家庭占比35%。对于他们来说,生活的困难重重:不仅仅是入不敷出的微薄收入,还有语言、身份和信用上的问题。

Neighborhood Trust is trying to change that. More than half its members are Latino, largelyfrom the Dominican Republic, and many are undocumented. Most of the staff are themselvesimmigrants, and know their members well: they visit borrowers'businesses often and offerworkshops on financial literacy. The hands-on approach keeps default rates low.

社区信托正在尝试改变这种现状。他们的一半客户都是拉丁美洲人,大部分来自多米尼加,很多人还没有证件。社区信托内绝大多数员工本身就是移民,也对其客户非常了解:员工们会经常走访贷款人的生意,并提供金融素质的培训课程。得益于这种手把手的方式,违约(还款)率一直很低。

Other financial firms, in both America and Europe, are also finding new ways to serveimmigrants. Some are like Neighborhood Trust—small and community-minded. Others arestartups hoping for big profits. Oportun is a good example: the American lender has

madeloans of $1.9 billion since 2006, mostly to Latinos, using big data and clever algorithms to lendto those without a credit history.

美国和欧洲的其他金融公司也正在为移民探索新的业务方式。有的机构像社区信托一样—规模小而专服务于社区,另外也有指望靠此发财的初创公司。Oportun就是一个好例子:2006年以来,这个美国的贷款公司已经出贷19亿美元,主要客户来自拉美。他们运用大数据和智能算法向没有信用记录的客户借贷。

These firms have several tactics in common. The first is to make it easy to open an account —aprocess that is often unnecessarily slow and intimidating. Monese, a startup based in London,allows European migrants to open an account by phone with just a photo of a passport and aselfie.

这些公司所用策略有共通之处。第一是便捷开户—通常来讲,开户过程过度拖沓,手续复杂。Monese是一家伦敦的初创公司,他们向欧洲移民提供电话开户服务,只需要提供护照上的相片和一张自拍即可。

A second shared tactic is to make life easier for those, such as illegal immigrants, who maystruggle to prove their identity. Banks can be fussy: in one survey half of unbanked Mexicanimmigrants in New York said a lack of documentation prevented them opening an account. Butmany American banks will accept taxpayer identification numbers and consular ID cards, whichcan be obtained irrespective of immigration status. In New York 12 financial firms, includingNeighborhood Trust, accept a new card launched by the city government to help undocumentedmigrants access services—though no big banks do.

第二是给非法移民的生活提供便利,叫他们不必再费尽周折证明自己的身份。银行有时很是小题大做:在某调查中,纽约半数的无账户墨西哥移民称没有身份证明让他们无法在银行开户。但是很多美国银行也接受纳税识别号码和领事身份证。这两项证明不管什么身份的移民都可获得。在纽约包括社区信托在内的12家金融公司接受市政府颁发的新卡,这种卡帮助无证件移民获得服务——不过大银行不会接受它。

Third, instead of waiting for immigrants to come knocking, these firms seek them out. Oportun,for instance, has branches inside shops in Latino neighbourhoods. Mission Asset Fund, aCalifornian non-profit group, assists informal savings groups in immigrant communities. Asmembers make small, regular payments into a common pot from which they take turns toborrow, they are also able to develop a formal credit history.

第三,与其坐等移民上门,不如出门去找。比如Oportun,在拉美人社区中的商店里设分支机构。加利福尼亚的非营利组织Mission Asset Fund则在移民社区里协助非正式储蓄小组。小组成员定期向共有的总账户存入小笔金额,他们再轮流向总账户借钱。通过这种方式,他们便有了正式的信贷记录。

A final tactic is to tailor services to meet the particular needs of migrants. Extrabanca, inItaly, explicitly markets itself as a bank for immigrants. Many of its customers are from China,the Philippines and eastern Europe. It helps them deal with the red tape involved in renting ahouse or starting a business. Many American credit unions offer “citizenship loans”to cover thecosts of naturalisation. Some offer illegal immigrants loans to pay the fees for amnestyschemes.

最后一点是为移民客户量身打造所需业务。意大利的Extrabanca公开以移民银行的身份推销自己。他们的很多客户来自中国、菲律宾和东欧。Extrabanca帮助这些客户处理租房和创业时要经历的繁文缛节。不少美国信贷联合机构还提供”公民贷款“,支付移民归化过程中的花费。有的还借贷给非法移民使其免于牢狱之灾。

Larger banks can be put off, at least in part, by regulation. Many have stopped

offeringinternational transfers in response to tighter rules on money-laundering and terroristfinancing. In Britain, new laws bar banks from opening accounts for illegal immigrants. Butsome big banks are catching on. Scotiabank, in Canada, allows Chinese migrants to startopening an account before leaving home, through a partnership with three banks in China.Deutsche Bank woos Turkish customers in Germany with a service called Bankamiz (“OurBank”), which offers bilingual tellers, free withdrawals at ATMs in Turkey and five free transfersto Turkey each year.

大型银行至少会在某种程度上受规则的局限。因对洗钱和恐怖分子集资的规定变严,许多(大型银行)已经停止境外转款业务。在英国,新颁布的法律禁止银行为非法移民开户。但是有的大银行却还在继续。加拿大的Scotiabank银行与中国的三家银行建立合作关系,允许来自中国的移民在离国之前开户。Deutsche Bank则向在德国的土耳其客户提供名为”我们的银行(Bankamiz)“的服务,包括双语出纳、在土耳其的ATM上免费提款以及每年五笔免手续费的向土汇款。

Catering to immigrants can be profitable in the long run, suggests Sherief Meleis of Novantas,a consultancy. Banks can win customers who will be loyal for years to come. As Rafael Monge-Portaro, the boss of Neighborhood Trust, says of Roberta: “We trust her and she trusts us.”

长期来看,迎合移民的需求是有利可图的,咨询公司Novantas的Sherief Meleis如是说。这样做,银行可以赢得几年内都保持忠诚的客户。正如社区信托的老板Rafael Monge-Portaro 所说:“我们与罗贝塔互相信任。

1.cater to 迎合;投合

例句:Serve the people, rely on business, vitalize anddevelop the economy, and cater to the wholecountry is the watchword of this company.

本公司的口号是:服务人民,依托商业,开拓搞活,面向全国。

2.lend to 借给

例句:Some reports lend themselves very well to this type of processing –for example simplegrouped list reports such as target reports for drill-through.

一些报表非常适合于这种处理–例如简单的分组列表报表,比如进行穿透钻取(Drill-through)的目标报表。

3.plan to 计划

例句:The military operation was the first step in a plan to crush the uprising.

军事行动是镇压暴动计划的第一步。

https://www.doczj.com/doc/5b3395370.html,pare with 与...相比

例句:How does it compare with a similar workload?

与类似工作负载相比较如何呢?

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下载毙考题APP 免费领取考试干货资料,还有资料商城等你入驻 2019考研英语小作文之备忘录写作指导 考研英语写作水平提升就是要练,要积累素材。小作文其实拿分不难,大家不妨多训练训练,小编为大家指导备忘录写作技巧,一起来学习: 2019考研英语小作文之备忘录写作指导 Directions: Write a memorandum of about 100 words to the student service department and ask them to fix a telephone for each dormitory. Your Memo should include: (1)Your purpose. (2) The reasons. (3)Your sincere hope. Memo Date: Aug. 8, 2013 To: The leader of student service department From: Li Ming Subject: Telephone fixing I would like to remind you that we are in need of a telephone for each dormitory. As university students, we need to cope with the daily increasing communications with teachers, friends and people outside the campus. We need a telephone to get and send message, which is important for us. Though most of us have mobile phones and e-mail address, a telephone in the dormitory is after all the most convenient and cheapest tool of communication. I hope that you will pay attention to this problem and solve it as soon as possible. 考试使用毙考题,不用再报培训班 邀请码:8806

2008考研英语阅读真题翻译

2008 Text 1 在现代生活中女性就算是在某些领域可以追赶上男性,但至少在一个方面是领先的,尽管是她们不太想要的。纽约的退伍军管理医院精神科首席医生Yehuda博士说道,和男性相比,女性面对压力时,更容易受到影响,导致抑郁和紧张。 对于动物和人类的研究都显示出性激素会在某种程度去影响面对压力的反应,导致在同样的条件下,女性产生更多的致病化学物质。在几项研究中,当受到压力的雌鼠的卵巢(雌性的生殖器官)被拿掉后,它们的化学反应变得和那些雄性的一样了。 对于女性来说,除了产生更多的导致压力的化学物质外,她们产生压力的“机会”也更多。“并不是女性要处理的事情太少,而是她们有更多的事情要处理。”Yehuda博士说道。“她们对于压力的承受能力有时候甚至比男性的还大”,她观察到,“她们只是需要处理的事情太多,看起来会更容易精疲力尽。” Yehuda博士注意到了另一个男女之间的不同点。“我认为,女性通常要做的事是慢性的,重复的。而男人去战场,承受的是格斗的压力。男性面临的更多的是随意的身体上的暴力。女性面对的人与人之间的暴力是在家庭环境中的。不幸的是,她们与父母还有其他的家庭成员之间不是能够一次性解决的问题。这种长期的关系的磨合是更有破坏性的。 Adeline Alvarez 18岁结婚并生了个儿子,但她决定完成大学学业。“我尽了很大的努力拿到大学学位,因为我在实际生活中有很多的挫折,而这就是我的逃避,去学校,争取上游,做到更好。”不久后,她离了婚变成一个单亲母亲。“除了照顾一个十几岁的孩子,还要工作,付房租,养车,还债是最难的事情了。我的生活就是不停的支付自己的账单。” 不是每个人经历着和Alvarez describes一样的长期的压力,但是大多数女性都在处理着太多的责任,很少得到喘息,从而感到了压力。Alvarez的经历证明了当压力威胁你的健康和正常生理功能之前解压是非常重要的。 2008 Text 2 原本一切都很简单。一组研究员在实验室里共同完成一个试验,把结果提交给某刊物,刊物的编辑把作者姓名及相关信息隐去,把报告交给这些研究者的同行去审阅。根据评论意见,编辑将决定是否发表。因此,版权留在刊物出版社手上,辛苦探求知识的研究者反倒要花钱订阅刊物。 现在不再是这样了。提供资金的机构施加压力,质疑为什么商业刊物可以通过限制刊载的手段从政府投资的研究项目中牟利,互联网使得阅读科研结果成为现实。经济合作及发展组织近日发布一项调查,描述了这一现象所造成的深远影响。澳大利亚维多利亚大学的John Houghton和经合组织的Graham Vickery联合完成这一报告,内容使目前为止收入丰厚的出版商们感到汗颜。但是这项报告的意义远远不止于此,它标志着科学尝试的一项关键性因素即将发生改变。 在某种程度上来说,知识的价值和公共投资能否取得较高回报,取决于是否能够得到广泛的流通、人们是否能够比较容易地获取这些研究成果。这是一项很大的产业。在美国,核心科研出版市场产值每年在70亿美元到110亿美元左右。国际科学、技术和医学出版社集团宣称全世界专业出版本类期刊的出版商有2000多家。他们每年在16000种刊物上发表120万篇以上文章。 这个数字现在有所变化。根据OECD报告,目前有75%的专业期刊在互联网上有在线阅读。全新的商务模式正在形成,报告作者总结出其中三种。第一种是所谓的大订单模式,即机构团体订阅者通过签订网站协议付钱购买阅读一批刊物文章题目的权限。第二种为开放

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