金融危机(5)550字作文
这次金融危机是政策上失误所造成的后果。政府在决定按揭贷款这一政策的时候，没有考虑这一政策的弊端，没有为自己的决策留后路，而是一味地追求经济腾飞。政府、组织似乎是照顾了中低收入的人民，却使企业与公司亏损、破产。经济是一条环环相扣的链子，从小商铺到企业，从股票到银行……一环连一环，一个环会影响相邻的两个环。如同多米诺骨牌一般，事情发生得太快，连政府都来不及控制，只能花费大把的资金追随在事态后面，试图控制大局。
次贷危机的“危”在于贷款款额过大，就算人民把贷款全部还清，国内生产总值就全部赔进去了，美国的经济将无法自给。何况，人民无法还清贷款。再加上，政府为了刺激经济，不断降息，会导致通货膨胀；钱不值钱，贷款的窟窿不但没有变化，还有可能会缓慢变大，形成了恶性循环。从上述资料看，政府似乎是非常富裕的，但是那些资金都是从各种税中来的，且其中企业、公司所交的税占大多数。很多企业、公司都因为政府的降息，导致收入减少，股票也因为美国证监会的政策改变而一路下跌，越下跌，卖空的人越多，也形成了一个恶性循环，把企业、公司的本金全部抵消了。而且美国是一个影响力巨大的发达国家，每个国家几乎都和美国有各个方面的关联，美国出了事，世界必定都会受影响；因此美国的金融风暴就刮遍了全球。
金融危机(5)
金融危机(5)
这次金融危机是政策上失误所造成的后果。政府在决定按揭贷款这一政策的时候，没有考虑这一政策的弊端，没有为自己的决策留后路，而是一味地追求经济腾飞。政府、组织似乎是照顾了中低收入的人民，却使企业与公司亏损、破产。经济是一条环环相扣的链子，从小商铺到企业，从股票到银行??一环连一环，一个环会影响相邻的两个环。如同多米诺骨牌一般，事情发生得太快，连政府都来不及控制，只能花费大把的资金追随在事态后面，试图控制大局。
次贷危机的“危”在于贷款款额过大，就算人民把贷款全部还清，国内生产总值就全部赔进去了，美国的经济将无法自给。何况，人民无法还清贷款。再加上，政府为了刺激经济，不断降息，会导致通货膨胀；钱不值钱，贷款的窟窿不但没有变化，还有可能会缓慢变大，形成了恶性循环。从上述资料看，政府似乎是非常富裕的，但是那些资金都是从各种税中来的，且其中企业、公司所交的税占大多数。很多企业、公司都因为政府的降息，导致收入减少，股票也因为美国证监会的政策改变而一路下跌，越下跌，卖空的人越多，也形成了一个恶性循环，把企业、公司的本金全部抵消了。而且美国是一个影响力巨大的发达国家，每个国家几乎都和美国有各个方面的关联，美国出了事，世界必定都会受影响；因此美国的金融风暴就刮遍了全球。
2010年英语六级作文范文20篇：金融危机(6)
1.金融危机给各行各业都造成了一定影响;
2.金融危机对大学生造成何种影响;
3.作为大学生，应怎样应对这种影响.
● 审题概述这是一篇主要论述金融危机与大学生关系的文章。
“经济危机”写作范例(1)
Model 1
Lessons the Financial Crisis have taught me
With the financial crisis sweeping across the whole world, high school students must have been influenced more or less, though we haven’t actually set foot in society. The following are some of what I acquire from such a big event.
First we should be aware of the profound importance of knowledge. It’s high time for us students to get down to widening our horizons in the increasingly fierce competition nowadays. Second, the more knowledge we are equipped with, the higher social status we are able to obtain. Taking part in all activities, we are sure to improve physically and mentally in the process. Third, it’s cooperation that ranks as the most important in today’s personal success. Only when we get along well with all colleagues can we have access to further achievements. Last but not least, find out the need of the working market, and then do advanced planning for your own life, as the proverb puts it，“Well begun, half done.”
All in all, we shouldn’t neglect any point. Development in an all-around way leads to a bright future.
Model 2
What the crisis taught me
Since the year 2008, the world has seen the outbreak of the financial crisis, which did strike the economy around the world and left millions of people unemployed. This economic depression gave us middle school students an opportunity to take a close look at what society is really like. Therefore, it’s high time to think it over and ask “What should I do?”
The first thing that came into my mind was “study”. That’s the point, for it’s our primary job to study well and enrich our knowledge.
Besides a good academic record, superior personal qualities are of vital importance, which include our talent, sense of teamwork and responsibility. With all the qualities mentioned above, the outlook of life can be bright and clear.
From my point of view, it’s not such a bad thing to experience a global crisis while we’re growing wise and strong. What the crisis taught me will be the treasure of life for good.
Model 3
Since 2008,a serious financial crisis has hit many countries all over the world. This serious crisis has already resulted in the drop/downturn of the global economy. The number of the unemployed people has been increasing dramatically. The impact caused by it has spread across the world rapidly. And it even paralyzed the economy of some parts of the world. Now the world is still in the shadow of the
severe crisis and it seems to be far from over. Many governments have taken actions to back the trend.
As senior high students, we should learn something from the global financial crisis, we should study hard and learn more knowledge. We have to develop our talent, and improve our personal quality. We have to strengthen cooperation and develop the sense of teamwork. It’s also necessary for us to know more about the social demands, and make plans for our life accordingly. If we learn these, we could do better when faced with the crisis or any other misfortune for that matter.
Possible Version（答案）
The global financial crisis broke out in 2008, whic caused serious economic slide and increased job loss. What can we learn from it?
First, we should put all our heart into studies to broaden our knowledge in various fields. Second, it is required that we should develop our abilities in many ways and improve our personal qualities to achieve our goals in this highly competitive society. Next, learning to cooperate with others is another thing we must do, because sense of teamwork contributes to success more quickly. Last but not the least, as young generation in China , We’d better set our long-term plans to meet what society needs.
At present I think only by working hard can our ability be fully embodied, I’ll spare no effort to study hard to achieve my goal.
金融危机作文资料
What Caused The Financial Crisis？
I think we can sum up（总结，概括） the cause of our current economic crisis in one word — GREED（贪婪）.
Over the years， mortgage lenders were happy to lend money to people who couldn‘t afford their mortgages. But they did it anyway because there was nothing to lose. These lenders were able to charge higher interest rates and make more money on sub-prime loans. If the borrowers default，they simply seized the house and put it back on the market. On top of that， they were able to pass the risk off to mortgage insurer or package these mortgages as mortgage-backed securities. Easy money！and what went wrong with our financial system？
The whole thing was one big scheme. Everything was great when houses were selling like hot cakes and their values go up every month. Lenders made it easier to borrow money，and the higher demand drove up house values. Higher house values means that lenders could lend out even bigger mortgages， and it also gave lenders some protection against foreclosures. All of this translates into more money for the lenders， insurers， and investors. Unfortunately， many borrowers got slammed when their adjustable mortgage finally adjusted. When too many of them couldn‘t afford to make their payments， it causes these lenders to suffer from liquidity issue and to sit on more foreclosures than they could sell. Mortgage-backed securities became more risky and worth less causing investment firms like Lehman Brothers to suffer.
Moreover，insurers like AIG who insured these bad mortgages also got in trouble. The scheme （体系，结构）worked well， but it reverses course and is now coming back to hurt everyone with a vengeance.
What Caused The Financial Crisis?
I think we can sum up the cause of our current economic crisis in one word — GREED. Over the years, mortgage lenders were happy to lend money to people who couldn’t afford their mortgages. But they did it anyway because there was nothing to lose. These lenders were able to charge higher interest rates and make more money on sub-prime loans. If the borrowers default, they simply seized the house and put it back on the market. On top of that, they were able to pass the risk off to mortgage insurer or package these mortgages as mortgage-backed securities. Easy money! and what went wrong with our financial system?
The whole thing was one big scheme. Everything was great when houses were selling like hot cakes and their values go up every month. Lenders made it easier to borrow money, and the higher demand drove up house values. Higher house values means that lenders could lend out even bigger mortgages, and it also gave lenders some protection against foreclosures. All of this translates into more money for the lenders, insurers, and investors. Unfortunately, many borrowers got slammed when their adjustable mortgage finally adjusted. When too many of them couldn’t afford to make their payments, it causes these lenders to suffer from liquidity issue and to sit on more foreclosures than they could sell. Mortgage-backed securities became more risky and worth less causing investment firms like Lehman Brothers to suffer. Moreover, insurers like AIG who insured these bad mortgages also got in trouble.
The scheme worked well, but it reverses course and is now coming back to hurt everyone with a vengeance.
How to Tide over Economic Crisis around the World
The financial crisis in the "butterfly effect"
under the rapid spread of the world. From the United States to China, from Wall Street to the Pearl River Delta, from manufacturing to high technology, from the white-collar workers, are subject to severe financial crisis. Many enterprises in the customs, stop, close, to many white-collar workers laid off, a lot of migrant workers, miners were forced to return home, many university graduates means that the unemployed. A month later in 2009 is the Year, I do not see the well-being of firecrackers, fireworks and romantic, looking forward to the New Year. See more entrepreneurs, managers, workers fear, confused, helpless look.
Blessing in disguise, Yan Fu Huo know? The escape came, unable to retain the go. Nothing in the world are the development of the wave-like, there is bound to have peaks and troughs, there are bound to have peaks and troughs. Rare in the face of the economic crisis, many companies have chosen to shrink the front, the defensive;
a lot of people tighten up the pocketbook and spending. Enterprises do not only offensive defense, when you prepare defense means that when you start back. Live at home, hand in half a cent to spend, to save money is in, only more money in order to change the quality of life. Fear, confusion and helplessness to escape, defense and reduce costs so that you will only make matters worse situation. Only offensive, Endeavor, protest, moving trend is the best choice and to deal with.
Be it business or personal, we must first fully understand the seriousness of the crisis and persistent. There are not trusting to luck that the crisis will not affect you. Qingchao, no eggs will survive? Only early and late, and light weight. The crisis in the latter part of the most difficult, yet now, do not feel that they are very strong.
Do not have to die before the crisis to attack. First of all, as entrepreneurs have to consider cash flow problems. To allow the closure of the fastest growing companies is not a loss, cash flow is drying up. Cash flow and the size of the enterprise, profit, non-well-known and well-known does not matter. The more large enterprises and the more well-known enterprises to pay attention to cash flow. Peace for too long, high-speed economic development in a long time, too much of their profits into the business after the expansion of fixed assets. Not on account of the funds to prepare for the winter. So rare to meet the financial crisis, the fall is often the fastest growth and expansion of the fastest-growing businesses. Not ready for the winter clothes, even if you have a nice summer, winter, you will still frozen to death. The three major U.S. auto giant is the cash flow is drying up and in serious danger together.
To have the opportunity to live. Crisis, the crisis in the organic. This opportunity is not often. This is sufficient funds at the lowest cost of business, merger, the best opportunity for expansion. Small business is the best time to catch up with large enterprises. Peace and prosperity in a variety of small businesses such as the allocation of resources are not large enterprises. Want to go beyond talking the same large enterprises. In front of the crisis, many large enterprises for the steady development of layoffs, shrinking front. Small business must learn how to Zoupian Jian Feng, to take the initiative. Gambling may be dead, may also develop. And so on, a dead end. ]
As a working group, during the crisis, so as not to resign, not-for-work, not to change jobs. A large number of business failures, layoffs, a large number of returning migrant workers, next year there are nearly 1,000 million university graduates find a job waiting. Be able to do a job that is a very well-being. To resign easy job difficult. Should cherish the current opportunity to work. For are not familiar with the area of greatest temptation not to change jobs easily. Peer different reasons, is the same sales, marketing and selling instant noodles is not the same car. The higher the expectations, the greater the disappointment factor. Of course, if you have the ability to trade irreplaceable, but this time is an opportunity. In the face of crisis often need a hero. To ask whether he is a hero?
To work hard to create more value. Companies often laid off before the Conference of non-essential positions, direct-to-business value-creating fewer jobs;
Conference do not have a strong sense of responsibility, complained that more staff, the Conference working hours without doing the work of the staff. Take a look at our posts and is not an option? If so, as soon as possible to find their own jobs, and so on have been laid off, the more difficult to find work. If the work is a busy, but also to strengthen the sense of responsibility to reduce complained to create more value. When companies do not like any team has complained that the staff of the existence of emotions. Your high and low salaries, can remain in business, is your attitude toward work and decided to create value is not determined by the leadership.
To save more and spend less. Now, "Moon family"
more. In the first fall in front of the crisis is "Moonlight family."
Have to ask ourselves if the crisis continued a year, you have enough savings? If the crisis continued for three years, you have enough savings? From now on, be able to keep up-to-deposit the money or buy government bonds or dual-currency deposits to buy. Heart fear is not pocket the money. "Self-cultivation in order to quiet, frugal and Germany to support", has always been to save the United States and Germany. By this time, frugal financial management is also a kind of way of life, always in the details. Less able to spend less money to spend, be able to cook at home do not eat at the hotel. Be able to buy stores, discount supermarket, the special price of conventional products that do not buy the product. Will not be able to send text messages on the phone. Zuo Gongjiao can not walk, can not fight Zuogong Jiao, do not drive can not drive. Will not be able to train on a flight. Can not buy luxury goods do not buy luxury goods. Is not simply to save money clutching his wallet at no cost, but let money more efficiently, with the least money to meet our greatest desire.
To help a friend pay attention to more jobs, more economic help poor friends, relatives, neighbors, before the crisis, the poorer the people become well-off. Bang Bieren is to help themselves. There are difficulties in their turn will come only when there is a friend to help you.
Have confidence in the face of crisis. The Chinese government does not care what will happen, you are not alone. Everyone has confidence in the economic recovery will be faster.
金融危机在“蝴蝶效应”下迅速蔓延全球。从美国到中国，从华尔街到珠三角，从高科技到制造业，从白领到民工，都受到金融危机严重的影响。很多企业在关、停、闭、转，很多白领被裁员，很多民工、矿
工被迫返乡、很多大学毕业生毕业意味着失业。一个月后就是09年新年了，我看不到爆竹的幸福，烟花的浪漫，新年的期待。更多看到的是企业家、经理人、打工者恐慌、迷茫、无助的眼神。
塞翁失马，鄢知福祸？该来的躲不掉，该去的留不住。世间任何事物的发展都是波浪式的，有波峰必然有波谷，有波谷必然有波峰。在百年不遇的经济危机面前，很多的企业选择收缩战线，防守；很多的老百姓收紧钱袋子，压缩开支。做企业只有进攻没有防守，当你准备防守时也就意味着你开始倒退了。居家过日子，一分钱掰成两半花，再节省也是在花钱，唯有多挣钱才能改变生活质量。恐慌、迷茫、无助、躲避、防守、减少开支只会使你的景况更糟糕。唯有进攻、奋进、抗争，逆势而动才是最好的选择和应对。
不管是企业还是个人，首先要充分认识到这次危机的严重性和持久性。不要存在侥幸心理认为危机不会影响到你。倾巢之下，岂有完卵？只是早与晚，轻与重的问题。危机的后期最难过，现在还没开始，别觉得自己很强,
危机面前不死掉才有进攻的机会。做为企业家首先要考虑现金流的问题。让企业最快倒闭的不是亏损，是现金流枯竭。现金流与企业大小、盈利、知名与非知名没有关系。越是大企业、知名企业越是要关注现金流。太平盛世太久了，经济高速发展时间太长了，太多的企业都把利润变成了扩张后的固定资产。账上根本没有预备过冬的资金。所以遇见百年不遇的金融危机，倒下最快的往往是发展扩张最快的企业。没有准备过冬的衣服，夏天即便你身体很好，冬天你照样会冻死。美国的三大汽车巨头就是是现金流枯竭而举步危艰。
能活着就有机会。危机，危中有机。这种机会不是常有的。这是有充足资金的企业以最低成本，兼并、扩张的最佳机会。也是小企业赶超大企业最佳时机。太平盛世小企业在各种资源配置都不如大企业。想超越大企业等于痴人说梦。危机前面，很多大企业求稳定发展，裁员，收缩战线。小企业要学会剑走偏锋，主动出击。赌可能死，也可能发展。等，死路一条。
做为打工族，在危机期间，尽量不要辞职，不要换工作，不要转行。大量的企业倒闭，裁员，大量的民工返乡，明年还有近1000万的大学毕业生等着找工作。能有一份工作干着就是很幸福的事情。辞职容易就业难。要珍惜目前的工作机会。对于不熟悉的领域诱惑再大也不要轻易转行。同行不同理，同样是销售人员，销方便面和销汽车是不一样的。期望值越高，失望系数越大。当然如果你的能力在行业具有不可替代性，这个时候反而是机会。企业在危机面前往往需要英雄。问问自己是不是英雄？
要努力工作，多创造价值。企业裁员往往先裁可有可无的岗位，对企业直接创造价值少的岗位；裁责任心不强，抱怨较多的员工，裁上班时间无工作干的员工。看看自己的岗位是不是可有可无的？如果是，要及早寻找适合自己的职位，等被裁员了，再找工作就更难了。如果工作比较忙，也要加强责任心，减少抱怨，多给企业创造价值。任何时候企业都不喜欢团队中有抱怨情绪的员工存在。你的薪水高低，能否继续留在企业工作，是你的工作态度和创造的价值决定的，不是领导决定的。多存钱，少花钱。现在“月光族”比较多。在危机面前最先倒下的就是“月光族”。要问问自己，如果危机持续一年，你的积蓄够不够？如果危机持续三年，你的积蓄够不够？从现在开始，能存的钱就存起来，或买国债或买双币存款。兜里有钱心不慌。“静以修身，俭以养德”，节约自古就是美德。到了此时，节俭理财之道也是种生活方式，处处
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