（单词翻译:单击）
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本 期 目 录 :
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| 英语听力－经典教程 最新精选 | |||
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经典教程
最新精选
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| 美文欣赏－发生在圣诞节的一个感人故事 | |||
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For many of us, one Christmas stands out from all the others, the one when the meaning of the day shone clearest. My own "truest" Christmas began on a rainy spring day in the bleakest year of my life.
Recently divorced, I was in my 20s, had no job and was on my way downtown to go the rounds of the employment offices. I had no umbrella, for my old one had fallen apart, and I could not afford another one.
I sat down in the streetcar--and there against the seat was a beautiful silk umbrella with a silver handle inlaid with gold and necks of bright enamel. I had never seen anything so lovely.
I examined the handle and saw a name engraved among the golden scrolls. The usual procedure would have been to turn in the umbrella to the conductor, but on impulse I decided to take it with me and find the owner myself.
I got off the streetcar in a downpour and thankfully opened the umbrella to protect myself. Then I searched a telephone book for the name on the umbrella and found it. I called and a lady answered.
Yes, she said in surprise, that was her umbrella, which her parents, now dead, had given her for a birthday present. But, she added, it had been stolen from her locker at school (she was a teacher) more than a year before.
She was so excited that I forgot I was looking for a job and went directly to her small house. She took the umbrella, and her eyes filled with tears.
The teacher wanted to give me a reward, but--though twenty dollars was all I had in the world--her happiness at retrieving this special possession was such that to have accepted money would have spoiled something. We talked for a while, and I must have given her my address. I don't remember.
The next six months were wretched. I was able to obtain only temporary employment here and there, for a small salary. But I put aside twenty-five or fifty cents when I could afford it for my lithe girl's Christmas presents.
My last job ended the day before Christmas, my thirty-dollar rent was soon due, and 1 had fifteen dollars to my name--which Peggy and I would need for food.
She was home from convent boarding school and was excitedly looking forward to her gifs next day, which I had already Purchased. I had bough her a small tree, and we were going to decorate it that night.
The air was full of the sound of Christmas merriment as I walked from the streetcar to my small apartment. Bells rang and children shouted in the bitter dusk of the evening, and windows were lighted and everyone was running and laughing. But there should be no Christmas for me, I knew, no gifts, no remembrance whatsoever.
As l struggled through the snowdrifts, l had just about reached the lowest Point in my life. Unless a miracle happened, I would be homeless in January, foodless, jobless. I had prayed steadily for weeks, and there had been no answer but this coldness and darkness, this harsh air, this abandonment.
God and men had completely forgotten me. I felt so helpless and so lonely. What was to become of us?
I looked in my mail box. There were only bills in it, a sheaf of them, and two white envelopes which I was sure contained more bills. I went up three dusty flights of stairs and I cried, shivering in my thin coat.
But I made myself smile so I could greet my little daughter with a Pretense of happiness. She opened the door for me and threw herself in my arms, screaming joyously and demanding that we decorate the tree immediately.
Peggy had proudly set our kitchen table for our evening meal and put pans out and three cans of food which would be our dinner. For some reason, when I looked at those pans and cans, I felt brokenhearted. We would have only hamburgers for our Christmas dinner tomorrow.
I stood in the cold little kitchen, misery overwhelmed me. For the first time in my life, I doubted the existence and his mercy, and the coldness in my heart was colder than ice.
The doorbell rang and Peggy ran fleetly to answer it, calling that it must be Santa Claus. Then I heard a man talking heartily to her and went to the door. He was a delivery man, and his arms were full of parcels. "This is a mistake," I said, but he read the name on the parcels and there were for me.
When he had gone I could only stare at the boxes. Peggy and I sat on the floor and opened them. A huge doll, three times the size of the one I had bought for her. Gloves. Candy. A beautiful leather purse. Incredible! I looked for the name of the sender. It was the teacher, the address was simply "California", where she had moved.
Our dinner the nigh was the most delicious I had ever eaten. I forgot I had no money for the rent and only fifteen dollars in my purse and no job. My child and I ate and laughed together in happiness.
Then we decorated the little tree and marveled at it. I put Peggy to bed and set up her gifts around the tree and a sweet peace flooded me like a benediction. I had some hope again. I could even examine the sheaf of bills without cringing.
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| 想笑就笑－Bishop Creighton（克莱顿主教） | |||
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Creighton was going along a West End square when hesaw a little fellow trying to reach the knocker of a large house．
"Can't you reach up so high？"queried the Bishop kindly．
"No， sir，" said the small youngster．
"Well， then， let me help you，" and the Bishop mountedthe three steps and gave a splendid rattat．
The little boy glanced hastily at the gentleman of the cloth．"Come on，" he yelled，"we must boaf run nar．"
克莱顿主教
当克莱顿主教沿着伦敦西区的一个广场走着的时候，他 看见一个小家伙正试图抓住一所大房子的门环。
"你是不是够不到这么高的地方呢？"主教好意地问。
"是的，先生。"那小孩说。
"那好，让我来帮你。"主教登上那三级台阶，在门上重重扣了几下。
那个小男孩急忙给教士递上一个眼色。"快跑，"他喊着："我们俩都得跑。"
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| 双语故事－The Ant and the Chrysalis | |||
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Bearskin
Jacob and Wilhelm Grimm
Once upon a time there was a young fellow who enlisted as a soldier, conducted himself bravely, and was always at the very front when it was raining bullets. As long as the war lasted all went well, but when peace was made he was dismissed, and the captain said he could go wherever he wanted to.
His parents were dead, and he had no longer a home, so he went to his brothers and asked them to support him until there was another war.
The brothers, however, were hardhearted and said, "What can we do with you? We have no work for you. See that you go and make a living for yourself."
The soldier had nothing left but his gun, so, putting it on his shoulder, he went forth into the world. He came to a large heath, on which nothing was to be seen but a circle of trees. Filled with sorrow, he sat down beneath them and thought about his fate.
"I have no money," he thought, "and the only trade I have learned is that of making war, and now that they have made peace they can no longer use me, so I see that I shall starve."
Suddenly he heard a rustling sound, and when he looked around, a strange man was standing before him. He wore a green jacket and looked quite stately, but he had a hideous horse's foot.
"I know what you are in need of," said the man. "You shall have money and property, as much as you, with all your might, can squander away, but first I must know if you are fearless, so that I won't be giving away my money for nothing."
"A soldier and fear -- how can those go together?" he answered, "You can put me to the test."
"Very well," answered the man, "look behind you."
The soldier turned around and saw a large growling bear running towards him.
"Aha," shouted the soldier, "I'll tickle your nose until you lose your desire for growling." Then taking aim at the bear, he shot it in the snout, and it fell down motionless.
"I see quite well," said the stranger, "that you do not lack for courage, but there is one more condition that you will have to fulfill."
"If it does not endanger my salvation," answered the soldier, who knew quite well who was standing before him. "Otherwise I'll have nothing to do with it."
"You'll see about that for yourself," answered Greenjacket. "For the next seven years you are neither to wash yourself, nor comb your beard and hair, nor cut your nails, nor say the Lord's prayer. I will give you a jacket and a cloak, which you must wear during this time. If you die during these seven years, you are mine. If you stay alive, you are free, and rich as well, for all the rest of your life."
The soldier thought about his desperate situation, and having faced death so often before, he decided to risk it now as well, and he entered into the agreement.
The devil took off his green jacket and gave it to the soldier, saying, "Whenever you wear this jacket and reach into its pocket, you will find a handful of money."
Then he pulled the skin off the bear and said, "This shall be your cloak, and your bed as well, for you are to sleep on it, and you are not allowed to lie in any other bed. Because of your clothing you shall you be called Bearskin." With that the devil disappeared.
The soldier put on the jacket, immediately reached into the pocket, and found that the promise was really true. Then he put on the bearskin and went forth into the world. He did whatever he pleased, refraining from nothing that did him good and his money harm.
During the first year his appearance was still acceptable, but during the second he looked like a monster. His hair covered nearly his entire face. His beard looked like a piece of coarse felt cloth. His fingers had claws, and his face was so covered with dirt that if someone had planted cress on it, it would have grown. Everyone who saw him ran away. However, because everywhere he went he gave money to the poor to pray that he might not die during the seven years, and because he paid well for everything, he always found shelter.
In the fourth year he arrived an inn. The innkeeper would not let him enter, refusing even to let him have a place in the stable because he was afraid he would frighten the horses. However, when Bearskin reached into his pocket and pulled out a handful of ducats, the innkeeper softened and gave him a room in an outbuilding. Bearskin, however, had to promise not to let himself be seen, lest the inn should get a bad name.
One evening Bearskin was sitting alone, wishing with all his heart that the seven years were over, he heard a loud moaning in a neighboring room. He had a compassionate heart, so he opened the door and saw an old man weeping bitterly and striking his hands together above his head. Bearskin went nearer, but the man jumped to his feet and tried to run away. At last, hearing a human voice, the man let Bearskin talk to him, and with friendly words Bearskin succeeded in getting the old man to reveal the cause of his grief. Slowly but surely the old man had lost his wealth, and now he and his daughters would have to starve. He was so poor that he could not pay the innkeeper and was to be sent to prison.
"If that is your only problem," said Bearskin, "I have money enough." He called for the innkeeper and paid him, and then put a bag full of gold into the poor man's pocket.
When the old man saw that he was freed from all his troubles he did not know how to show his gratitude.
"Come with me," he said to Bearskin. "My daughters are all miracles of beauty. Choose one of them for your wife. When she hears what you have done for me she will not refuse you. You do look a little strange, to be sure, but she will put you in order again."
This pleased Bearskin well, and he went with the old man.
When the oldest daughter saw him she was so terrified at his face that she screamed and ran away.
The second one stood still and looked at him from head to foot, but then she said, "How can I accept a husband who no longer has a human form? The shaved bear that once was here and passed itself off for a man pleased me far better. At least it was wearing a hussar's fur and white gloves. If ugliness were his only flaw, I could get used to him."
The youngest one, however, said, "Father, dear, he must be a good man to have helped you out of your trouble. If you promised him a bride for doing so, your word must be kept."
It was a pity that Bearskin's face was covered with dirt and hair, for otherwise they would have seen how his heart laughed within his body when he heard these words. He took a ring from his finger, broke it in two, and gave her one half. He kept the other half himself. He then wrote his name inside her half, and her name inside his. He asked her to take good care of her piece.
Then he took leave saying, "I must wander about for three more years. If I do not return at that time you are free, for I shall be dead. But ask God to preserve my life."
The poor bride-to-be dressed herself entirely in black, and when she thought about her future bridegroom, tears came into her eyes. From her sisters she received nothing but contempt and scorn.
"Be careful," said the oldest. "If you give him your hand, he will hit you with his claws."
"Beware," said the second. "Bears like sweet things, and if he takes a liking to you, he will eat you up."
"You must always do what he wants you to," continued the oldest, "or he will begin to growl."
And the second added, "But the wedding will be merry, for bears dance well."
The bride-to-be said nothing and did not let them irritate her. Bearskin, however, traveled about the world from one place to another, did good wherever he could, and gave generously to the poor that they might pray for him.
Finally, at dawn on the last day of the seven years, he went once more out to the heath, and seated himself beneath the circle of trees. Before long the wind began to howl, and the devil stood before him, looking at him angrily. He threw Bearskin's old jacket to him and demanded the return of his own green one.
"We haven't gotten that far yet," answered Bearskin. "First of all you have to clean me up."
Whether the devil wanted to or not, he had to fetch water and wash off Bearskin, comb his hair, and cut his nails. After this he looked like a brave soldier and was much better looking than he had ever been before.
When the devil was safely gone Bearskin was quite lighthearted. He went into the town, purchased a splendid velvet jacket, seated himself in a carriage drawn by four white horses, and drove to his bride's house. No one recognized him. The father took him for a distinguished colonel and led him into the room where his daughters were sitting. He was given a seat between the two oldest ones. They poured wine for him, served him the finest things to eat, and thought that they had never seen a more handsome man in all the world.
The bride-to-be, however, sat across from him in her black dress without raising her eyes or speaking a word. Finally he asked the father if he would give him one of his daughters for a wife, whereupon the two oldest ones jumped up and ran into their bedrooms to put on splendid dresses, for each of them thought that she was the chosen one.
As soon as he was alone with his bride-to-be, the stranger brought out his half of the ring and dropped it into a glass of wine, which he handed across the table to her. She took the wine, but when she had drunk it and found the half ring lying at the bottom, her heart began to beat. She took the other half, which she wore on a ribbon around her neck, put them together, and saw that the two pieces matched perfectly.
Then he said, "I am your betrothed bridegroom, whom you saw as Bearskin. Through God's grace I have regained my human form and have become clean again."
He went to her, embraced her, and gave her a kiss. In the meantime the two sisters came back in full dress. When they saw that the youngest sister had received the handsome man, and heard that he was Bearskin, they ran out filled with anger and rage. One of them drowned herself in the well. The other hanged herself on a tree.
That evening, someone knocked at the door, and when the bridegroom opened it, it was the devil in his green jacket, who said, "You see, I now have two souls for the one of yours."
从前有个年轻人应徵入伍，在战争中他表现得十分英勇，在枪林弹雨中总是冲锋陷阵。只要战争在继续，一切就很顺利，可是当和平来到的时候，他就被遣散了，上尉对他说愿意上哪儿就上哪儿吧。他的父母都死了，他无家可归，只好投奔他的哥哥们，恳求他们收留他，等待战争再次爆发。可是无情无义的哥哥们说：「我们要你干甚么？你对我们一点用都没有，自己去谋生吧。」士兵除了枪外一无所有，他把枪扛在肩上，义无反顾地走向世界。他来到一块广阔的荒原，地上除了一圈的树外就再没有其它东西了。他伤心地坐在树下，开始为他的命运着想。「我身无分文，」他想道，「除了打仗，我没有一技之长，由於现在他们制造了和平，他们就不再需要我了。我已经预感到我挨饿的日子就要到了。」这时他听见一阵声响，便向四周望去，发现在他面前有一个陌生人，身着一件绿色外衣，相貌堂堂，可是却长了一只像马蹄子似的脚。「我知道你需要甚么，」那人说道，「你将拥有金子和财产，要多少就有多少，想干甚么就干甚么，但是首先我得?解你是否毫无畏惧，以保证我的钱不会白花。」「士兵和懦夫怎能相提并论？」他回答，「你可以验证。」「那太好了，」那人说，「你回头看。」士兵转过身去，看见一只硕大的熊正吼叫着向他扑来。「噢呵！」士兵大叫一声，「我来给你鼻子挠挠痒，你就会觉得叫唤没多大意思啦。」於是他瞄准熊的鼻头开了一枪，熊轰然倒地，一动不动了。「我非常清楚，」陌生人说，「你需要的不是勇气，但是你还得满足另外一个条件。」「只要不是伤天害理的事。」士兵回答，他已经知道身边的人是谁了，「如果是的话，我决不会去做的。」「你可以自己看着办，」绿衣人说，「在七年中，你不能洗澡，不能修?子，不能理发，也不能剪指甲，还不许祈祷上帝，一次都不行。我给你一件上衣和一件斗篷，你必须穿七年。如果在七年中，你死啦，那你就归我了；如果你还活着，你就自由了，而且下半辈子非常富有。」士兵考虑自己目前的绝境，和他过去出生入死的生活，决定现在再冒一次险，於是就同意了条件。魔鬼脱下了绿衣，递给士兵，说道：「如果你穿上这件衣服，把手插进口袋，你会发现里面总有满满的钱。」然后他把熊皮剥了下来并说：「这就是你的斗篷，而且是你的床，从此你只能睡在这上面，不能睡在其它任何床上，由於你的这件斗篷，以后你的名字就叫熊皮人。」说完，魔鬼就消失了。 士兵穿上那件衣服，迫不及待地把手伸进口袋，发现那是真的。接着穿上熊皮，走进人世间，尽情地享受了金钱给他带来的快乐。第一年他的相貌尚可说得过去，可是第二年他看起来就像个魔鬼了。他的长发遮面，??像一块粗糙的毛毡，手指像兽爪，满脸是厚厚的污垢，彷?播上芹菜种都能长出来似的。人们一看见他都给吓跑了，他每到一处都赏给别人钱，让人们为自己祈祷别在七年中死去，由於他作任何事都慷慨大方，所以他总是能找到住宿的地方。到了第四年，他进了一家旅店，可是店主不招待他，因为怕他把马给吓着，甚至不让他住在马圈里。这时熊皮人把手插进口袋，掏出一大把金币，店主马上转变了态度，让他住进外宅的一间屋子里。但是店主要求熊皮人别让其他人看见，否则会坏了旅店的名声。
傍晚，熊皮人孤伶伶地一个人坐在屋子里，从心底里希望七年已经熬到头。就在这时，他听见从隔壁的屋子里传出一阵悲切的哭声。他怀着一颗同情的心打开了门，看见一位老人双手绞在一起，痛苦地哭泣着。熊皮人走上前去，然而老人跳起来，挣扎着从他身边逃开了。最后老人听出熊皮人说的是人话，方才放下心来，在熊皮人长时间善言善语的劝说下，老人才透露了他悲伤的原因。原来在漫长的生活中，他破产了，他和他的女儿们在挨饿，现在已身无分文，再没有办法付住店的钱，快要被送进监狱了。「这有何难？」熊皮人说：「我有的是钱。」他把店主叫来，交了店钱，并把满满一包金子放进了可怜老人的口袋里。
老人这时才明白他已经摆脱了困境，他不知道如何表达自己的感激之情。「跟我来，」他对熊皮人说，「我的女儿都美如天仙，你挑一个作为你的妻子吧。只要她知道你为我所作的一切，她就不会拒绝你。你看上去确实有点儿怪，不过她很快就会让你恢复原来相貌的。」当大女儿看到他时，被他的那张脸吓坏，尖叫着逃跑了。二女儿站在那里从头到脚地打量着他，然后说道：「我怎么能嫁给一个没有一点儿人样的人呢？曾经有一只剃光了毛，装成人的熊到过这里，它更让我喜欢，因为它起码穿了一身轻骑兵的制服，戴了一双白手套。如果他仅仅相貌难看没关系，我能够习惯的。」可是小女儿却说：「亲爱的父亲，他帮助您克服了困难，那么他一定是个好人，既然您为了报答他，已经答应让他成亲，那么我们就得遵守诺言。」遗憾的是父女们看不到熊皮人在听到这些话语后的兴奋神情，因为他的脸被厚厚的泥垢和长长的头发全遮掩了。他从手指上捋下一枚戒指，掰成两半，给她一半，自己留下另一半。他把自己的名字写在她那一半的戒指上，她的名字写在自己的一半戒指上，请求她认真地保存好她那一半。然后他告别说：「我还有三年的时间在外游荡，我必须这么作，如果我届时不归，那么我就是死了，你不必再等我。请向上帝祈祷，保佑我的生命吧。」
可怜的未婚妇穿了一身黑衣服，一想起未婚夫，泪水就情不自禁地涌入眼眶。她从姐姐们那儿得到的只是嘲笑和讥讽。「小心点儿，」大姐说，「如果你把手伸给他，他会用爪子抓住你的手。」「注意啦！」二姐说，「熊喜欢甜甜的食物，如果他喜欢你，就会吃掉你。」「你必须常常投其所好，」大姐接着说，「否则他会大发雷霆。」二姐继续道：「婚礼肯定热闹，熊喜欢跳舞。」新娘默不做声，而且不气不恼。此时，熊皮人正在世界各处游荡，从一处到另一处，力所能及地做着善事，慷慨大方地资助穷人，大家都在为他祈祷。
终於，七年的最后一天降临了，这天，他又一次来到了那一片荒原，再次坐到那圈树下。不一会儿，风刮起来了。在风的呼啸中，魔鬼站到了他的面前，气呼呼地看着他，他把熊皮人的旧衣服扔还给他，然后问他要他自己的绿外套。熊皮人不慌不忙地答道：「这事别着急，你得先把我清洗乾净。」魔鬼心里窝着火，极不情愿地打来水，给熊皮人洗乾净，理了发，剪了指甲。一切完毕时，他看上去像一名勇敢的士兵，比从前更加英俊漂亮了。
等魔鬼一走，熊皮人顿时感到了一身轻松。他进城买了一件丝绒大衣穿在身上，坐上一辆四匹白马拉着的马车上，向他的新娘家驶去。当时没有一个人认出他来，父亲把他当做高贵的将军领进女儿们坐着的房间，他被两个姐姐围住，她们殷勤地向他敬酒，请他品?最好的菜?，暗想这是她们见到的全世界最英俊潇洒的男人。可是新娘却坐在他的对面，穿着黑衣服，既不抬头看他一眼，也不说一句话。终於他得空对父亲说他能不能娶他的一个女儿为妻。二个姐姐听后，马上跳起身来，跑进自己的卧室梳妆打扮起来，穿上盛装出来，每个人都想被选中。当屋里只有他和新娘的时候，陌生人掏出他的那半个戒指，扔进一个酒杯里，隔着桌子将酒杯递给她。她把酒喝光后发现在杯底的半个戒指，不禁心跳加快。她把用一条绢带挂在脖子上的另一半戒指掏出，对在一起，分毫不差。这时他说：「我就是你的未婚夫，以前你看到的那个熊皮人。感谢上帝的恩典，我又恢复了人形，还变得乾乾净净的啦。」他站了起来，走过去热情地拥抱亲吻她。这时，打扮得花枝招展的两个姐姐走出来，正好看见小妹妹和那个英俊的男人拥抱在一起，并听到他就是那个熊皮人，她们立刻嫉妒万分、羞愧难当、满腔怒火地跑了出去，一个投井自尽，另一个吊死在树上。晚上，有人来敲门，新郎打开门一看，外边是穿绿衣服的魔鬼，魔鬼告诉他：「你知道吗，我用你的灵魂换了两个灵魂。」
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| 时尚英语－最新新年英文祝福短信（老师专版） | |||
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Much joy to you in the upcoming year.
愿您在新的一年充满快乐。
Thank you for all you have done for us.
感谢您为我们所做的一切。
We'll be here after the New Year.
新年过后，我们会再回来。
We won't forget you this holiday season.
假期里，我们不会忘记您的。
Thank you for your hard work and patience on this holiday season.
值此佳节，谨对您的辛勤栽培表示感谢。
Thank you for not as signing homework this holiday season.
感谢您没有留假期作业。
I look forward to your class after the new year.
我期待着新年过后，再上您的课。
Wishing you and your family a very happy new year.
祝福您及全家圣诞快乐。
A happy new year from all of your students.
祝您新年快乐，您的全体学生敬上。
New year is a time for gladness and rejoicing …because there is no class.
新年是喜庆的日子--因为不用上课。
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| 金融英语－个人存单质押贷款 | |||
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Personal loan pledged by certificates of deposit （CD） /treasury bonds is a kind of business combining deposit and loan in which the client gets a certain amount of Renminbi loan from the bank by pledging undue certificate（s） of time deposit and also repays the principal and interest accrued on schedule. CDs used for hypothecation are limited to certificates of time deposits issued by the savings outlets in the local administrated area of the tier-one branches of and branches under the Bank of China.
Any resident in China with full capacity for civil conduct, holder of undue certificates of time deposit in local or foreign currencies issued by the Bank of China or treasure bonds, may apply for a personal loan pledged by CDs/treasure bonds to the Bank.
The length of maturity of a personal loan pledged by CDs/treasury bonds may not exceed the due date of the pledged CD. Besides, the longest maturity shall be one year. If multiple certificates of personal deposit are pledged, the length of maturity shall be set according to the nearest due date. For automatic renewal certificates of deposit, the length of maturity shall be set according to the length of automatic renewal.
The interest rate for loans of the same grade announced by the People's Bank of China applies to the interest rate for personal loans pledged by CDs/treasury bonds. The interest rate shall not float beyond the ceiling rate specified by the People's Bank of China. If the length of maturity is less than six months, the interest rate shall be that for the six month loan. For repayment before maturity date, the interest shall be calculated according to the originally set interest rate and the actual number of days of borrowing. In case the People's Bank of China adjusts the interest rate, the contracted interest rate is still adopted within the length of maturity.
Borrowers may use the loans for purchases of houses, cars and expensive consumer durables, for house refurbishing, vacation and travel, education and other consumer demands, as well as for working capital demand in normal operations.
The minimum amount of a personal loan pledged by CDs/treasury bonds is RMB1,000. The amount of the loan shall in principle not exceed 90% of the face value of the pledged CD （for deposits in foreign currencies, calculated in Renminbi translated at the current day buying rate of foreign exchange [bank note]）. The maximum borrowing limit of a single loan shall in principle not exceed RMB3,000,000.
The borrowers may use cash or deposits with the Bank of China for debt service. With the consent of the lender, the borrowers may repay the principal and interest of the loans ahead of schedule.
个人存单质押贷款是以客户未到期的定期储蓄存单做质押，从银行取得一定金额的人民币贷款，并按期偿还贷款本息的一种存贷结合业务。用于质押的存单仅限于中国银行一级分行及直属分行本辖区内各储蓄网点所开具的定期储蓄存单。
凡具有完全民事行为能力的中国境内居民，持有中国银行开具的未到期本、外币定期储蓄存单者均可向我行申请办理个人存单质押贷款。
个人存单质押贷款期限不得超过质押存单的到期日，且最长不超过一年。若为多张个人存单质押，以距离到期日最近的时间确定贷款期限。办理自动转存的存单视自动转存期限长短确定。
个人存单质押贷款利率按中国人民银行公布的同档次贷款利率执行。利率上浮的最高比例不得超过中国人民银行的规定。借款期限不足6个月的按6个月贷款利率确定，提前还贷按原定利率和实际借款天数计算。如遇中国人民银行调整利率计息，在贷款期限内仍按合同利率执行。
借款人可将贷款用于购买住房、汽车、大额耐用消费品和用于家居装修、度假旅游、教育助学等消费需求，以及用于正常经营的资金需求。
个人存单质押贷款额度起点为人民币1000元；贷款金额原则上以不超过存单面额80%的质押率计算（外币存款按当日公布的外汇（钞）买入价折成人民币计算）；贷款最高限额原则上单笔不超过10万元人民币。
借款人可用现金或其在中国银行的存款偿还贷款本息。经贷款人同意，借款人可提前归还贷款本息。 |
| 法律英语：国家税务总局关于明确外国企业和外籍个人技术转让收入免征营业税 | |||
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国税发[2000]166号 颁布日期：20001008 实施日期：20001008 颁布单位：国家税务总局
GuoShuiFa [2000] No.166
October 8, 2000
The bureau of Local Taxation of every province, autonomous region, municipality directly under the Central Government and municipality separately listed on the State plan:
According to the provisions of 'Circular of the Ministry of Finance and the State Administration of Taxation for Implementation of Provisions Concerning Taxation in "Decision of the Central Committee of the Chinese Communist Party and the State Council on Promotion of Technological Innovation, Development of High Technologies and Accomplishment of Industrialization "(CaiShuiZi [1999] No.273), incomes of foreign enterprises and individuals from technology transfer, business of technology development and related business of technical consultancy and service shall be exempt from business tax. For the purpose of convenient implementation, provisions are hereby made for clarification of the incomes of foreign enterprises and individuals from technology transfer which are exempt from business tax.
1. The income from technology transfer that is exempt from business tax means those earned by the transferor from compensated transfer of, the ownership of, or the right to use his patent or non-patent technology and from the provision of relevant technical consultancy and service. Incomes relating to technology transfer earned in the form of 'admission fee' or 'royalty' determined according to a certain percentage of the sales shall all be incomes that are free from business tax.
2. Trademark royalty or other similar incomes under a technology transfer contract are not incomes that are free from business tax under the CaiShuiZi [1999] No.273. So the tax bearer shall reasonably divide the income that is subject to business tax such as trademark royalty from the contract price. In case of failure to divide precisely and reasonably, the taxation organ may determine the amount for which the business tax is to be exempted provided that such amount shall not exceed 50% of the total contract price.
3. The procedure for examination and approval of the above-mentioned exemption of business tax shall still continue to be handled according to Item (3), Article 2 of CaiShuiZi [1999] No.273 . |
| 儿童诗歌－Traditional Christmas | |||
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We have a traditional family, so Christmas is always the same; we hang up spaghetti and doughnuts and break out the Slip-N-Slide game.
We stand in the tub in our costumes of pickles and papier-mache. We sing "Old MacDonald" til noontime then practice our indoor croquet.
We gather in front of the toaster to bask in its radiant glow while dining on frozen carnations and filling our pockets with snow.
The highlight is juggling toothpicks till Grandma gets poked in the eye. While waiting to hear from the doctor, we bake a banana cream pie.
Then lastly we put on our helmets and posture in silly positions. It's fun to be part of a family with so many Christmas traditions. |
| 英文演讲－President's Radio Address | |||
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December 29, 2007
THE PRESIDENT: Good morning. New Year's Day will soon be upon us, and with it will come New Year's resolutions. This weekend is a good time to give thanks for our blessings -- and to resolve to do better in the coming year.
One of our greatest blessings as Americans is that we live in a country with a growing economy -- where people can pursue their dreams, turn ideas into enterprises, and provide for their families. It is a measure of our economy's resilience that even with high oil prices and softness in the housing market, we're still growing. In November, our economy added jobs for the 51st straight month, making this the longest period of uninterrupted job growth on record. Unemployment is a low 4.7 percent. Exports are up. And the fundamentals of our economy are strong.
Economic statistics are important indicators. Yet it is more important to remember that behind all these numbers are real people. These people include the entrepreneurs who live their dreams by starting up new businesses. These people include small business owners who create most of the new jobs in our economy. And most of all, these people include the tens of millions of working moms and dads whose jobs provide for their families.
I know that even in this growing economy some of you have real concerns. Some of you worry about your ability to afford healthcare coverage for your families. Some of you are concerned about meeting your monthly mortgage payments. Some of you worry about the impact of rising energy costs on fueling your cars and heating your homes. You expect your elected leaders in Washington to address these pressures on our economy and give you more options to help you deal with them. And I have put forth several proposals to do so.
In the last month, Congress has responded to some of my initiatives. They passed a good energy bill, they passed a temporary patch to protect middle class families from the burden of the Alternative Minimum Tax, and they passed a law that will help protect families from higher taxes when their lenders reduce their mortgage debt. But this is only a start. Congress needs to do more to decrease America's dependence on oil. Congress needs to pass legislation that will help make health care coverage more affordable for small businesses and workers who buy their own policies. And Congress needs to act quickly on the rest of my proposals to help families struggling with rising mortgage payments keep their homes.
Most of all, we need to set a good example in Washington by being careful with your money. I'm disappointed that leaders in Congress sent me a massive spending bill that includes about 9,800 earmarks. Earmarks are special interest items that are slipped into big spending bills like this one -- often at the last hour, without discussion or debate. Among the earmarks Congress approved was one for a prison museum and another for a sailing school. In the last election, congressional leaders ran on a promise that they would reform earmarks. They made some progress, but not nearly enough. So my Administration is reviewing options to address wasteful earmark spending.
As we address earmarks, we also must restrain spending, keep taxes low, and continue on a path towards a balanced budget. And that is what the budget I submit in February will do. You work hard for your money and to live within your means. As you provide for your families, the last thing you need is wasteful spending that will lead to a tax hike. My resolution for the New Year is this: to work with Congress to keep our economy growing, to keep your tax burden low, and to ensure that the money you send to Washington is spent wisely -- or not at all.
Thank you for listening, and Happy New Year.
END
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| 学习技巧-中学双语教学常用语400句(1) | |||
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1. Good morning(afternoon, evening),class(everyone,students). 同学们,早晨好。 2. This term we have nine subjects: Chinese,Enghish,Politics,History,Geography,Maths,physics,Chemistry and Biology.这学期我们有九门学科：语文、英语、政治、历史、地理、数学、化学和生物。 3. We also have some other interesting subjects: Music, Fine Arts, Physical Education,etc.我们还有一些其它的有趣的课程：音乐、美术、体育等等。 4. We have one weekly meeting on Monday afternoon.周一我们有一节班会。 5. The head teacher of our class is Mr.Zhang.我们的班主任是张老师。 6. You must be polite and say hi to them when you see the teacher.见到老师要礼貌，要问好。 7. When you come into our school, you must speak Putonghua.一进学校，你就要讲普通话。 8. The Chinese lessons are very important。语文课对于我们来说相当重要。 9. We should study it more carefully than before.我们要比以前更加认真地学习。 10. If you study Chinese it's very easy, but if you don't it's very hard.对于汉语，你学它就不难，你不学它就显得挺难。 11. Chinese is our native language,we must learn it well.汉语是我们的母语，我们必须把它学好。 12. This is our first Chinese class of this term. 这是我们本学期第一节语文课。 13. We're going to learn Lesson One (the first Lesson). 我们要学习第一课。 14. Don't make any noise in class,or you may trouble the others.课上不要喧哗，那会影响别人。 15. Open your text-books to Page 10. 打开课本第10页。 16. This text is written by Mr.Luxun.the great man in our Chinese modern literature history.本文由我国现代文学史上伟大的文学家鲁迅先生的作品。 17. Listen to me carefully,let me tell you sth about the writer.请认真听我为大家介绍一些作者的情况。 18. You may write down sth important and special on your notes.你们可以在自己的笔记本上记录一些较为重要和特殊的内容。 19. First ,let me read the text aloud .首先让我为大家朗读本文。 20. Put the text-books on your desk, please.请把你的课本放在书桌上。 21. Please read it follow me quietly(lowly).你们可以轻声跟读。 22. Read the text to yourselves.默读本文。 23. Stop here for a while, please.暂停一会儿。 24. Take your text-books.用手端起课本来。 25. Pay attention to them when they read the second paragraph.他们读第二段时，注意听。 26. Read more distinctly(Speak more clearly), please.请读清楚一点。 27. Would you speak in a little loud (in a slow)voice(louder,please).你能大一点声音吗？ 28. Speak in a little low voice, please.声音低一点。 29. Your voice(timbre, tone) sounds sweet.你的声音很好听。 30. Read louder and slowly so that everybody can hear you.读得声音大一点、慢一点，让大家都能听清楚。 31. Now, you may read it in class .现在，你们可以课堂上阅读本文。 32. I ask you to read it fluently and clearly as soon as possible.我要求大家尽量流畅、清晰地阅读本文。 33. About the key sentences, I ask you to study not only the meaning of the words,but also (them)in the line.就这些重点语句，我要求大家有仅了解字面，还要注意字里行间的深意。 34. You may ask me if you have any questions.有问题可以问我。 35. I'll give you explanations as many as possible(I can).我会尽多地为大家解释。 36. And then, I'm going to ask you sth simple about it. 然后，我会问你们一些较为简单的有关情况。 37. Where did we stop(learn) off last time(how far did we get last time)? 上一次我们学到什么地方了？ 38. Let me remind you of what we have learned last period (refresh your memory last time we talked about).让我提醒你一下，关于上节课所学的内容。 39. Do you know the general mind (main meaning)of the article?你知道这篇文章的中心意思吗？ 40. Say sth about what you have learned from the hero。谈谈关于这个英雄的启示。 41. You mustn't make faces in class.上课不要做鬼脸，出洋相。 42. Please keep quiet when some other students make mistakes.同学出错时，你要保持安静。 43. Let's take turns to read。让我们轮流来读。 44. Who can read it aloud first ?哪位能先朗读？ 45. Hands up,please.请举手示意我。 46. Don't worry(calm down,slow down).不必紧张。 47. Speak up,please.请大声说。 48. Stand straight,please.站直些。 49. The blackboard is too high for me, I only can write so few words on it.黑板太高了，我只能写这么多。 50. You're right(well done ).很不错。 51. Let's read the text aloud together.下面，全体齐读。 52. Now let's begin.开始！ 53. It'll take us two periods to grasp(master) these.这些需要我们两课时才能掌握。 54. We have three study tasks to do this class.本课时，我们有三个学习任务。 55. The first is the background and the writer .首先是本文的背景和作者情况。 56. Next,the thought and the writing methods .然后是它的思想内容和写法。 57. Then,the new words and the sentence strctures .最后是本文中的生词和一些句式。 58. What's more(what else), the feelings and the lauguage style of the text.还有，本文的感情和语言风格。 59. We may analyse the title of the text together. 我们可以一起分析一下本文的题目。 60. Now let's speak freely.现在请大家畅所欲言。 61. That's all(so much) for the class .Time's up.下课时间已到，本课时就讲这么多。 62. After class,you're to read the text again.课后，大家还得再读一会儿。 63. And you ought to hand in the homework in time.大家要及时上交作业。 64. Let's take a break, see you later,everyone.休息一会儿，同学们，再见。 65. According to the study demand (require) and our arrangement,we'll do an action.根据学习需要和安排，我们要搞一项活动。 66. From now on, at the beginning of every Chinese class, we'll ask someone to do the oral composition.从现在开始，在每堂语文课上课之始，我们请同学们做口头作文。 67. Do you understand what I said just now ?大家明白我刚才说的意思吗？ 68. Now, you may make preparations for it in ten minutes.现在，大家可以准备十分钟。 69. The lecture will begin in a minute, let's get ready.演讲稍候就要开始，准备一下。 70. Whose turn is it today ?轮到谁了？ 71. Are you ready now?准备好了吗？ 72. Please do it in front of the blackboard.请到黑板前来做这个练习。 73. Let's give him(her) a warm welcome(clap).让我们用掌声欢迎他（她）。 74. Please write down your title of oral composition on the right of the blackboard.请把你的作文题目写在黑板右面。 75. Thanks for father's love.感谢父爱。 76. The first unforgetable cut class.难忘那第一次逃学。 77. You'd better do it without draft.最好不要带稿。 78. Good job! You have done it with some grace, but your content isn't much(enough).做得不错，大方自然，只是内容偏少。 79. Just now our classmate Zhang Ming gave us a lecture, I think it is well done, I'd like to ask for some students'opinion on it.刚才我们的同学张明给我们做了一次演讲，我认为他做得很不错，我想听一听一些同学对它的意见。 80. How do you think of his lecture?你觉得他的演讲怎么样？ 81. Because of our learning of text last period, we didn't invite someone to do the lecture, at the begining of the class,we'll ask our two classmates to do it, who is the first?上节课因为课文学习的缘故，我们没有请同学做演讲，这节课之初，我们要请两个同学做这个练习，哪位是第一位同学？ 82. Next class, we're going to learn Lesson Five.下节课，我们要学习第五课。 83. I ask you to make preparations for it before class. 我要求大家课前做好一定准备。 84. You gotta(have got to) learn the paragrghs 4---6 by heart.大家还要背诵第4-6段。 85. Can you recite them now?现在能背诵过吗？ 86. Please try to do it as well as you can.尽量做好。 87. Wonderful-very good---good---not bad---terrible---awful.好极了，很好，好，不错，糟了，很不理想。 88. Now I'm sorry I'm late.对不起，我来晚了。 89. How foggy it is this morning!今早晨雾迷漫。 90. Sth was wrong with my autocycle on my way to school just now.刚才我的摩托车在路上坏了。 91. My autocycle is in the third bicycle-shed.我的摩托车现在放在第三个车棚里。 92. Let's continue the text.让我们继续学习这篇课文。 93. What's the weather like today?今天天气怎么样？ 94. Great day today, isn't it ?今天天不错，是吧？ 95. It's cloudy and rainy today,It has been very cold these days。今天阴雨天，这几天都挺冷。 96. Put on more clothes before you go out.出门的时候多穿点衣服。 97. And you ought to cover yourself well with quilt while sleeping.睡觉的时候，盖好被子。 98. Open the window,please,It's quite airless(the air is not fresh) here.打开窗户，这里太闷了，一点也不通风。 99. Please shut the door, It's very cold today.今天天气真冷，请关上门，好吗？ 100. How foggy it is (what a foggy day it is) now!今天雾可真大啊！ |
