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商务英语中级阅读材料
引导语：下班，小编为大家带来商务英语中级的阅读材料，希望可以帮助到大家，谢谢您的阅读。
阅读材料一
When I am interviewed, I am occasionally asked: “What is the secret of business success?”
If I knew the perfect answer, I would have made far fewer mistakes over the years; in truth I suspect there are many ingredients. Nevertheless, as an exercise, I have noted below a number of contributing factors that I think matter more than most.
1.Work for yourself. To be self-employed can be lonely, and is likely to be hard work. But ultimately you will gain the rewards for your efforts if you are right – as long as you are lucky. You can certainly earn a handsome living working in a big bank or an accountancy firm, but you will never achieve a spectacular capital gain, or change the world in the way that an entrepreneur can by fulfilling their dream.
2. Be in the right place. History shows that growing markets, where entrepreneurs are encouraged, offer greater opportunities than places where there is stagnant demand, high tax and lots of regulation. On that basis, anyone with little to lose who is living in the west should emigrate to the east: it's what I advise anyone under the age of 30 to do. This is a harsh verdict, and inevitably there are thousands of exceptions. But it is undeniable that far more new millionaires and billionaires are being minted in countries such as India and China than in Europe. Growing gross domestic product, expanding populations, low costs and modest tax rates offer a powerful combination that the west simply cannot match.
3.Learn how to borrow. An ability to find and use debt is a factor in most stories of great wealth. Even if banks are not extending much credit right now, the cycle will turn and eventually they will reopen for business. I was slow to realise the fundamental importance of using debt. Many entrepreneurs overdo it at the top, and end up losing many of their leveraged assets when prices fall. But somehow they rarely go bankrupt, and very often reappear with new bankers in tow when the cycle turns.
参考译文
在我接受采访时，偶尔会有人问我：“企业成功的秘诀是什么?”
如果我当初知道正确答案，那么这么多年来我会少犯很多错误;实际上，我认为成功的要素有许多。不过，我还是尝试着列出了以下几个在我看来最重要的影响因素。
1.为自己工作 自己当老板可能会很孤单，而且可能工作繁重。但只要你走运，而又判断正确，你最终会为自己的付出获得回报。在一家大银行或会计师事务所打工，你肯定能生活得不错，但你永远不会获得丰厚的资本收益，或者像企业家那样实现梦想，改变世界。
2.占取地利 历史经验表明，相对于需求低迷、税赋沉重、监管严格的市场，鼓励创业的成长型市场会提供更大的机遇。有鉴于此，所有没什么可失去的西方人，都应该移居东 方：对30岁以下的年轻人，我都是这样建议的。这是个粗略的判断，必然存在诸多例外。但不可否认，印度和中国等国创造的新科百万富翁和亿万富翁，要远远多 于欧洲。国内生产总值(GDP)不断增长，人口持续增加，成本低廉，税赋适中，这些因素的强大组合令西方难以望其项背。
3.学习如何借债 获得并利用债务的能力，是大多数巨额财富故事中的一个要素。即使目前各银行发贷不多，但周期会转向，银行最终会再次向商业敞开大门。我花了很长时间才认识 到利用债务的根本重要性。许多企业家在信贷高峰期做得太过火，最终在资产价格下跌时失去了大量杠杆资产。但他们很少破产，往往会在周期转向时，携手新的银 行家卷土重来。
阅读材料二
Hong Kong has long attracted attention in the global property world due to the volatility of its real estate prices. Now, however, it has shot into the spotlight for another reason - property derivatives.
On the 27th Feb ABN Amro bank and Sun Hung Kai Financial announced that they had traded a property swap based on Hong Kong's residential market, marking the first such transaction ever to be done in Asia.
With the ink now dry on the Hong Kong deal, bankers are predicting that a similar deal could take place in Australia in the next three months, followed by another transaction in Singapore in the next six months, and transactions in Japan and Korea towards the end of the year.
That means that in a few months' time an investor may potentially be able to "buy" an office in Sydney, "sell" a retail store in London and "buy" a residential property in Hong Kong by placing just one phone call, bankers say.
If so, this will mark a striking turnround for a sector that some bankers believe could soon be an exciting new frontier for financial innovation, not just in Hong Kong but around the world.
参考译文
长期以来，香港一直因其房地产价格的波动性而吸引着全球地产界的目光。而如今，香港却由于另一个原因而举世瞩目--房地产衍生品。
2月27日，荷兰银行(ABN Amro)和新鸿基金融(Sun Hung Kai Financial)宣布，双方以香港住宅市场价格为基础，进行了一笔"房地产掉期"交易，这是亚洲首笔此类交易。
随着香港此笔掉期交易的完成，银行业人士预测，未来3个月，澳大利亚可能会出现类似交易，而未来6个月同样的情况将出现在新加坡，今年年底前，日本和韩国也将出现类似的交易。
银行业人士表示，这意味着几个月后，投资者可能只需拨打一个电话，就可以"买进"悉尼的一间办公室，"卖出"伦敦的一家零售商店，或是在香港"买进"一处住宅地产。
果真如此，这将标志着房地产行业一个引人注目的转折点。一些银行业人士认为，该行业可能很快将成为一个令人兴奋的新金融创新领域，不仅是在香港，也是在全球。
阅读材料三
Until a couple of years ago, property derivatives existed only in theory. But in recent months the sector has started to grow rapidly: in the UK, which barely had a market two years ago, there have been more than 300 deals worth in total close to ￡5bn, according to figures from Investment Property Databank, the research firm. A number of transactions have been completed in the US and continental Europe, and bankers expect this to grow.
The inaugural transaction in Asia, at less than HK$100m ($13m), is small by global standards. But it comes amid growing appetite among cash-rich investors for new ways to invest in some of the world's fastest growing property sectors - that can also be alternatives to property stocks or real estate investment trusts, for example.
"Property is one of the hottest games in town and the potential for growth of property derivatives in Hong Kong is huge," says Philip Ljubic, a director of property derivatives at ABN Amro, which completed on the 27th Feb's transaction with Sun Hung Kai Financial.
In the Hong Kong transaction, traded as a one-year "price return swap," ABN Amro - the buyer of the derivative - gains exposure to the city's housing market by receiving the annual change in the HKU-HRPI, an index measuring the price of Hong Kong Island residential property. This index is one of the subsets of a series developed by the University of Hong Kong partly for this specific transaction.
参考译文
数年前，房地产衍生品还只是存在于理论上。但研究机构Investment Property Databank公布的数据显示，最近几个月，房地产衍生品市场已开始迅速发展：在两年前市场刚刚形成的英国，迄今已达成逾300笔此类交易，价值近 50亿英镑。美国和欧洲大陆也已达成了大量此类交易，银行业人士预计，此类交易数量将继续上升。
亚洲第一笔掉期交易价值不到1亿港元(合1300万美元)，以全球标准衡量规模较小。然而，此笔交易达成之际，正值现金充裕的投资者对于投资全球一些增长最快的房地产领域的新方式兴趣日增之时。例如，这些新方式可以替代房地产股票或房地产投资信托。
荷兰银行房地产衍生品主管菲利普o柳比奇(Philip Ljubic)表示："房地产是香港最热门的游戏之一，香港房地产衍生品的增长潜力巨大。"荷兰银行与新鸿基金融完成了2月27日的亚洲首笔房地产掉期交易。
香港这笔房地产掉期交易属于一年期"价格回报掉期"。荷兰银行--此款衍生品的买家--通过获得HKU-HRPI年度变动率，得以投资香港住宅市场。 HKU-HRPI是衡量香港住宅房地产价格的指数。该指数是由香港大学(University of Hong Kong)开发的一系列指数的分项指数，一定程度上特为此笔交易而开发。
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