金融市场，就不得不提Federal Reserve banks（the FED，美联储）。 它由12家地区银行组成。其中，纽约、芝加哥和旧金定是独立性的。 另外两个委员会小组在美联储系统的核心职能中扮演着重要角色：存款机构-银行，储蓄所和信用合作社。联邦储备系统咨询委员会，负责向理事会和储备银行就该系统的职责提出建议。 我们来看2个例句： Instead of having a central bank in many countries, there were twelve Banks in the United States. They are the twelve federal reserve Banks. 与其他国家设立中央银行不同，美国建立了十二个银行；它们是十二个联邦储备银行。 What’s more, they can also borrow from the Federal Reserve

PE 公司在IPO之前，经历了天使投资、VC之后，还要经过的一个融资阶段就是——PE（Private Equity，私募股权投资）。 这时你的公司已经发展得很好了，在行业内已经站稳了脚跟。专业的PE公司看融到你未来的IPO盈利空间，就会给你注入资本，帮助你的公司进一步扩大市场份额；当然，PE也跟你制定好了股权退出机制，就是IPO之后出售股份获利。 我们来看2个例句： The purpose of the company is to be the best Private Equity Fund Company with global influence and investment

Angel Investment IPO是一家公司融资的最后阶段，在这之前公司还需要经过3个融

Interest Rate 你以前可能不知道，生活里不起眼的 Interest rate（利率）会如此重要。 对个人而言，High interest rate 会提高你的融资成本，从而阻止或推迟你买房、买车的决策；当然，High interest rate 也会鼓励你增加储蓄。 更宏观的层面上，Interest rate 会影响企业的投资决策，比如企业在高利率的经济环境中可能会推迟建设新工厂。 我们来看2个例句： The Bank believes that a 5 percent interest rate is already high enough to return inflation to its target - and I believe this too. 银行坚信，百分之五的利率已经够高，足以让通胀返回目标区间——鄙人对此也深信不疑。 When one of his children got sick, he took a loan from a moneylender at an onerous interest rate. 当他的一个孩子生融病了，他从一个放债人那里得到了一笔高利贷。 @攻克职场口语，看过来 >>职场口语礼包，限时免费领取<< 英文面试、工作汇报、英文会议…… 针对常见商英场景，各个突破！ 真人1V1体验课↓ 点击立即免费领取>>

融资一般是在500万人民币以下的，当你的公司不断发展，你就需要进入新的融机构得到了2000万美元的风投资本。 But then he thought about the long-term and decided to make it free, to promote user growth and get the attention of the press and venture capital. 但是之后他从长远考虑，决定提供免费下载，希望藉此推动用户增长并获得媒体和风投资本的注意。 @攻克职场口语，看过来 >>职场口语礼包，限时免费领取<< 英文面试、工作汇报、英文会议…… 针对常见商英场景，各个突破！ 真人1V1体验课↓ 点击立即免费领取>>

有的余额。这些账户主要有两种：一种是活期存款，客户可以对其开出支票，但没有利息，另一种是储蓄存款账户，银行使用账上的资金要支付利息。 [/cn] [en]2.But the shareholders' money is only a small part of the total amount of money which

of operating cycle, hence indicate the liquidity.[/en][cn]3.周转率指标能够反映企业的资金周转速度和营业周期，反映企业的流动性。[/cn] [en]4.A public offer of new shares shall be underwritten by a legally established securities institution and an underwriting agreement shall be executed.[/en][cn]4.公司向社会公开发行新股，应当由依法设立的证券经营机构承销，签订承销协议

remember that he is dealing with other people's money and that he is responsible for its safety. [/en][cn]5.银行家会永远记住，他在和别人的钱打交道，对钱的安全负有责任。[/cn] [en]6.We should continue to deepen financial reform, rectify financial order, tighten financial supervision and regulation by law and improve performance. [/en][cn]6.深化金融改革，整顿金融秩序，强化金融监管和法制，提高经营效益。[/cn]

[en]1.By their very nature financial institution attract criticism:banks would not be doing their jobs if their did not turn down some requests for loans, and those who are denied funds sometimes feel hard done by and are vociferous in their complains.[/en][cn]1.金融系统天生就容易招致批评：银行家如果不拒绝某些贷款要求，那就没有尽职尽责；而那些被决绝的借款人有时会觉得十分委屈，甚至因大为光火而抱怨不停。[/cn] [en]2.If you have a checking account, the bank sends you your canceled checks along with your monthly statement. These checks can be used instead of receipts. They can be used as proof that payment has been made.[/en][cn]2.如果你有支票账户，银行每月把你的付讫支票连同月度清单送金融给你。这些支票可以代替收据，当作付款的证据。[/cn] [en]3.How do the clearing banks meet these requirements? Their first concern is to see that they always have sufficient notes and coin in their tills, or in reserve, to meet instantly all the demands for cash that may be made upon them.[/en][cn]3.清算银行是怎样满足这些需要的呢？他们最关心的是确保钱柜里，或储备有足够的钞票，迅速应付可能发生的各种现金支取。[/cn] [en]4.It's hard to imagine that people could do business without the services of a bank.[/en][cn]4.很难想象出人们在没有银行服务的情况下做生意的情形。[/cn] [en]5.As the business matures, an initial public offering（IPO） may take place, or the business merged or sold, or other sources of capital found. [/en][cn]5.随着公司经营的成熟，可以通过公开发行股票，公司合并或者出售，或用其他方式的获得资本。[/cn] [en]6.The most widely held liquid security is the Treasury bill, which is commonly issued by the ministry of finance. [/en][cn]6.最为广泛持有的流动性债券是国库券，通常由财政部发行。 [/cn]

给你，对账单提供了支票付款及存款的情况摘要。在扣除了支票款及贷记的存款额之后，账户上剩下的金额就是余额。[/cn] [en]4.If there is any doubt about the signature, the bank will refuse to cash the check and will return the check to the endorser. A check must be endorsed before it can be cashed - that is, the person or company to whom the check is made out must sign it on the back.[/en][cn]4.如果银行对签字的真实性有怀疑，它将会拒绝兑现支票，将支票退给背书人。支票在兑现之前必须先背书，也就是说，支票向其开出的个人或公司必须在支票的背面签字。[/cn] [en]5.A group of ten international banks is to underwrite and sell the bonds.[/en][cn]5.一个由10家国际银行组成的银团将包销及出售这些债券。[/cn]