商務英語BEC中級考試閱讀資料彙總

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商務英語BEC中級考試閱讀資料(1)

昨日公佈的一項調查顯示，儘管去年英國初創企業的融資額增長了27%，達到約14億英鎊，但中國仍取代英國，成爲世界第二大風險投資目的國。

China overtook the UK as the world's second-biggest destination for venture capital investments last year, in spite of a 27 per cent rise in British early-stage company funding to about ￡1.4bn, a survey revealed yesterday.

總部位於劍橋的創業研究中心Library House表示，如果印度的風險資本投資延續2006年90%的增速，到2009年，印度的排名也將超過英國。

Library House, the Cambridge-based entrepreneurship research centre, said India was also due to overtake the UK by 2009 if Indian venture capital investments continued to grow at the 90 per cent rate seen in 2006.

這項調查是由瑞銀財富管理(UBS Wealth Management)委託進行的。調查預計，英國今年的風險資本投資可能降至10億至12億英鎊，相當於2003年的水平。

The report, commissioned by UBS Wealth Management, forecast that UK venture capital could decline to ￡1bn-￡1.2bn this year, equivalent to 2003 levels.

培育創業文化一直是“新工黨(New Labour)”的宏偉藍圖之一，但此項調查將引發人們擔憂英國的創業活動不僅落後於美國，還落後於以更快速度增長的亞洲經濟體。

Fostering an entrepreneurial culture has been one of New Labour's main ambitions and the report will raise concerns that the country is falling behind not only the US but also faster growing Asian economies.

調查報告指出，中國和印度的崛起分流了英國初創企業的資金。這與英國風險投資家所謂該領域正在強勁復甦的說法大相徑庭。

By arguing that funding for British start-up companies is being cannibalised by the rise of China and India, the report clashes with claims from British venture capitalists that their sector is recovering strongly.

英國領先風險投資公司DFJ Esprit的首席執行官西蒙?庫克(Simon Cook)表示：“風險資本已走向全球。美國資金向印度和中國進行了大量投資，我預計歐洲資金

Simon Cook, chief executive of DFJ Esprit, a leading UK-based venture capitalist, said: "Venture capital has gone global. There has been a lot of capital invested in India and China by US funds and I expect that to come to Europe next year."

近年來，大規模槓桿收購基金的快速興起令風險資本相形見絀。英國風險投資家在互聯網泡沫破裂後遭受嚴重虧損，他們一直未能擺脫人們的這種觀念：他們的回報比大型槓桿收購基金低。

Venture capital has been overshadowed in recent years by the rapid rise of big leveraged buy-out funds. Haunted by losses suffered after the bursting of the dotcom bubble, venture capitalists in Britain have struggled to escape the idea they make lower returns than their bigger LBO cousins.

Library House高級分析師羅傑?弗蘭克林(Roger Franklin)表示，從今年上半年的風險資本投資水平推斷，英國2007年的風險資本投資可能會減少10%至20%。這可能直接源自中國和印度風險投資活動的快速增長。中國去年的風險資本投資增長了50%至60%。

Roger Franklin, senior analyst at Library House, said extrapolations from venture capital investment levels in the first half of 2007 suggested the UK was on track to see a decline of 10 to 20 per cent this year. This could be a direct result of the rapid growth in Chinese and Indian venture capitalist activity. Chinese VC investments rose by 50 to 60 per cent last year.

弗蘭克林表示：“中國和印度的增長水平如此之高，可能會從更成熟的市場吸引部分資金。特別是美國的風險投資，也許已經將資金從歐洲轉向了亞洲。”

商務英語BEC中級考試閱讀資料(2)

不要沉迷於昨日的成功

Today's advice comes from Autodesk Inc. CEO Carl Bass:

今天的嘉賓是Autodesk Inc.首席執行官Carl Bass：

"I think it’s real easy as a leader to confusewhat the results are today with the actions that happened a while ago, BECause then you just start coasting."

“我認爲作爲領導者真的很容易混淆過去的行爲與該行爲所產生的結果，那就意味着你已經開始走下坡路了。”

Bass says the problem is that companies use factors like revenueand profit to measure their success, but it's possible that these things are still positive even after a company has lost its original spark.

Bass表示，問題就在於公司總是在用績效和收益來衡量公司的成功與否。但是，計時在公司出現問題之後，這些東西可能還是顯示良好。

"I’ve been spending a lot more time trying to quantifyor figure out if what we’re doing is right, or whether what we’re really doing is just celebrating the result of things that happened a while ago."

“一直以來，我都花大量的時間嘗試着確定或指出是否我們在做的事情是正確的，或者是否我們真正在做的只是在享受之前的成果。”

商務英語BEC中級考試閱讀資料(3)

中國銀行業監管機構昨日表示，隨着各銀行擴大產品種類，2007年最後一個季度中國個人理財產品銷售額大幅飆升。

Sales of individual wealth management products in China shot up in the last quarter of 2007 as banks expanded their product offerings, the banking regulator said yesterday.

截至9月底，60家銀行業金融機構推出了個人理財服務，如共同基金、保險產品和離岸投資產品。

By the end of September there were 60 banking institutions in China offering individual wealth management services such as mutual funds, insurance products and offshore investments.

2007年前三個季度，各銀行此類產品銷售總額爲6000億元人民幣(合820億美元)。

Together China’s banks sold Rmb600bn ($82bn) worth of such products in the first three quarters of 2007.

但中國銀監會(CBRC)表示，預計2007年全年銷售總量將達1萬億元人民幣，原因是有更多的理財產品面世，同時客戶將資金從生息的定期存款中轉出。

But the China Banking Regulatory Commission (CBRC) said it expected that figure had jumped to Rmb1,000bn by the end of the year as more products BECame available and customers shifted money out of interest-bearing time deposits.

2007年11月份，中國通貨膨脹率創下6.9%的11年高點，而一年期存款利率僅爲4.14%，中國投資者面臨着實際利率爲負的局面，他們一直在尋求銀行存款的替代品。

With inflation hitting an 11-year high of 6.9 per cent in November and the one-year deposit rate at only 4.14 per cent, Chinese investors are faced with negative real interest rates and have been looking for alternatives to bank deposits.

中國國內銀行傳統上依賴存貸款利差，目前政府正鼓勵它們進行多樣化調整。中國存貸款利率由央行制定，以確保國有銀行能夠盈利。

The government is actively encouraging Chinese banks to diversify from their traditional reliance on the spread between deposit and loan interest rates, which are set by the central bank to ensure profitability at the state-owned lenders.

去年6月份，銀監會爲大中型國有銀行制定了目標，力爭在未來5年至10年，中間收入在總收入中所佔比重從目前的17 %左右升至40%-50%。

In June last year the CBRC set a target for large and medium-sized state-owned banks to increase their fee-based income from about 17 per cent of their total now to 40-50 per cent within the next five to 10 years.

多數全球規模最大的銀行都在中國設立了業務，而去年，包括渣打銀行(Standard Chartered)、瑞銀(UBS)和匯豐(HSBC)在內的許多銀行，已開始爲擁有100萬美元以上的客戶提供私人銀行服務。

Most of the world’s largest banks have set up operations in China and many, including Standard Chartered, UBS and HSBC, began offering private banking services available to clients with $1m or more to invest, last year.

德意志銀行(Deutsche Bank)昨日宣佈，已在北京註冊理財業務，從而可以提供包括人民幣存款和貸款在內的更多服務。

Deutsche Bank yesterday announced it had incorporated locally in Beijing, allowing it to offer more services, including renminbi deposit and lending services.

中國銀監會昨日警告稱，伴隨着理財服務的增長，瞄準無知個人的欺詐案件數量也有所上升，此類案件的社會影響惡劣。