2021下半年翻譯考試二級筆譯模擬題整合分享

-15-2021下半年翻譯考試二級筆譯模擬題整合分享行動是成功的階梯，行動越多，登得越高。今天給大家?guī)砹?021下半年翻譯考試二級筆譯模擬題，希望能夠幫助到大家，下面就和大家分享，來欣賞一下吧。2021下半年翻譯考試二級筆譯模擬題美國的百萬富翁都住在哪里?About5.8percentofthepopulation–7.2millionhouseholds–qualifyasmillionaires,meaningthattheyhaveatleast$1millionlayingaround,excludingtheirrealestateholdings,retirementplansandbusinesspartnerships.Kiplinger,publisherofbusinessforecastsandpersonalfinanceadvice,partneredwithPhoenixMarketingInternationaltofigureouthowmanymillionaireslivein933urbanareaswithpopulationsofatleast50,000residents.TheBridgeport-Stamford-NorwalkareaofConnecticuttakesthetopspot.About9percentofitsresidents–31,506ofthepeoplewholivethere–cancallthemselvesmillionaires.NotonlyisthispartofConnecticutclosetoNewYorkCity,buttheenclaveisalsohometoanumberofhedgefundsandprominentcompanies,includingPriceline’sparentcompany,andtheXeroxCorporation.TheseattributesareenoughtogivethistonyConnecticutlocalityanedgeoverSiliconValley.TheCaliforniaregionsofSanJose,SunnyvaleandSantaClara,whichincludesSiliconValley,comesinsecondwith61,264millionairehouseholds–9percentofallhouseholds.Theareaishometosomeofthebiggesttechcompaniesintheworld,andGoogle,AppleandFacebookarenearby.Thenation’scapitalslidesintothethirdspot.Washington,D.C.,anditssuburbsdrawhighlyeducatedAmericanslookingforinfluentialjobs.The206,361millionairehouseholdsintheregionaccountfor8.9percentofD.C.’s2.3millionhouseholds.2021下半年翻譯考試二級筆譯模擬題美墨達(dá)成新貿(mào)易協(xié)定U.S.PresidentDonaldTrumpsaystheUnitedStatesandMexicohavereachedatradeagreement,leavingCanadaastheoddmanoutineffortstoreviseorreplacetheNorthAmericaFreeTradeAgreement(NAFTA).SpeakingMondayfromtheWhiteHouse,TrumpsaidthenewdealwillbecalledtheUnitedStates-MexicoTradeAgreement.TrumpspoketoreportersashespokeonthetelephonetoMexicanPresidentEnriquePenaNieto.Trumpcalleditabigdayfortradeandabigdayforthecountry.Trumpsaid:“Thisissomethingthatisveryspecialforourmanufacturersandforourfarmers,frombothcountries,forallofthepeoplethatworkforjobs.Itisalsogreattrade,anditmakesitamuchmorefairbill,andwearevery,veryexcitedaboutit.Wehaveworkedlongandhard,yourrepresentativeshavebeenterrific,myrepresentativeshavebeenfantastictoo.Theyhavegottenalongverywell,andtheyhaveworkedlateintothenightformonths.Itisanextremelycomplexbill,anditissomethingthatIthinkwillbetalkedaboutformanyyearstocome.”TheMexicanleaderexpressedhopeto“renew,modernizeandupdate”NAFTAwhileTrump’srhetoricindicatedheseesthat24-year-oldthree-nationdealasdead.Canada,anoriginalmemberofNAFTA,isnotpartofthisdeal.TrumpsaidtheUnitedStateswouldstartnegotiatingwithCanadaveryshortly.Trumpsaidunderthedeal,MexicohasagreedtoimmediatelybeginpurchasingasmanyU.S.agriculturalproductsaspossible.TheWhiteHouseisalsoexpectedtoformallynotifyCongressbytheendofthisweekofitsintentiontosignanewtradeagreementwithin90days.美墨達(dá)成新貿(mào)易協(xié)定美國總統(tǒng)特朗普說，美國和墨西哥已經(jīng)達(dá)成了一項(xiàng)貿(mào)易協(xié)定，這使加拿大在修訂或取代《北美自由貿(mào)易協(xié)定》(NAFTA)的努力中成了局外人。特朗普周一在白宮發(fā)表講話說，這項(xiàng)新協(xié)議將被稱為《美墨貿(mào)易協(xié)定》。特朗普在與墨西哥總統(tǒng)奧夫拉多爾通電話時(shí)對記者發(fā)表了講話。特朗普稱這對貿(mào)易和對國家來說都大日子。特朗普總統(tǒng)說：“這對我們兩國的制造商和農(nóng)民以及所有為之工作的人來來說都是非常特別的。這也是一項(xiàng)偉大的貿(mào)易，它成為一個更公平的議案，我們非常非常興奮。我們工作了很長時(shí)間，也很努力，你們的代表人員棒極了，我的代表人員也棒極了。他們相處得很好，幾個月來一直工作到深夜。這是一項(xiàng)極其復(fù)雜的議案，我認(rèn)為在未來許多年里人們都會談?wù)撍?。”墨西哥總統(tǒng)表示希望“延長、現(xiàn)代化和更新”《北美自由貿(mào)易協(xié)定》，而特朗普的言辭表明，他認(rèn)為這項(xiàng)有24年歷史的三國協(xié)議已經(jīng)死了。作為《北美自由貿(mào)易協(xié)定》的原始成員國，加拿大未參與這項(xiàng)新協(xié)議。特朗普說，美國將很快與加拿大開始談判。特朗普說，根據(jù)這項(xiàng)協(xié)議，墨西哥同意立即開始購買盡可能多的美國農(nóng)產(chǎn)品。預(yù)計(jì)白宮還將在本周末正式通知國會行政當(dāng)局計(jì)劃在90天內(nèi)簽署一項(xiàng)新的貿(mào)易協(xié)定。2021下半年翻譯考試二級筆譯模擬題Robo-Advisers:DoesNotComputeThegrowthoffirmssellingcomputergeneratedfinancialadviceisslowingGiventhemanymistakesthathumaninvestorsareproneto–sellingafteramarkettumble,tradingtoooften,believingtheycanbeatthestockmarket–dealingwithmoneyisperhapsbestlefttocomputers.Thatisthepremisebehindahostoffirmssellingcomputer-generatedfinancialadvice,whichassistsaverstiredofpayingforpriceyhumancounsel.Thelowcostofthese“robo-advisers”hadhelpedthemgrowrapidly,tothehorrorofconventionalmoney-managers.Butgrowthinassetsundermanagement(AUM)atthebiggestoutfitshassaggedrecently,andwithittheupstarts’prospects.Itusedtobeonlythosewithhundredsofthousandsofdollarstoinvest,ifnotmillions,whocouldaffordadviceaboutwheretoputtheirmoney.Humanscharge1-3%oftheirclients’portfolioseveryyear,simplytorebalanceamongassetclasseseverysooftenanddocleverthingstominimisetaxes.Robo-advisers,ledbyWealthfront,aCalifornianoutfit,andBetterment,basedinNewYork,domuchthesame,butforamere0.25%orsoayear.Largelybecausetheysquashfees,robo-servicesdoagoodjobforanyonebartheveryrichwithcomplexfinancialarrangements.Abasicquestionnaire–age,salary,investmentaimsandthelike–helpsestablishriskappetite.Moneyisthenallocatedtolow-costfundsprovidedbythirdparties.Forthosewhobelieve,correctly,thatfeesandhumanerrorarethemainpitfallsofinvesting,theapproachishardtobeat.Otherfeaturesincludesnazzysmartphoneapps(customerstendtobeontheyoungerside),transparentpricingandlowornominimuminvestment.WealthfrontdescribesitselfastheCharlesSchwabofthemillennialgeneration,wideningaccesstoinvestingbycuttingcosts,justasthediscountstockbrokerhasdoneforbaby-boomerssincethe1970s.ButbeingverycheapmeansBettermentandWealthfrontneedlotsofassetstoturnaprofit.TheirAUMofroughly$2.9billioneach,accumulatedlargelyinthepasttwoyears,deliversrevenuesof$7morsoayear.Thatisnotenoughtosustainaround100staffeachaswellasheftymarketingbudgets.Totalcostsarelikelytobe$40m-50mayear,accordingtoonefintechgrandee(neitherfirmdisclosesthedata).Scaleisvital,aseverynewclientbringsfreshrevenueatlittleextracost.AUMinthetensofbillionsofdollars,ifnothundreds,willbeneededtobreakeven.Thetwofirms’venture-capitalbackers,whichhavepouredover$100mintoeach,expectinitiallosses.Buteventheywillhopeforprofitsinyears,notdecades.Lastyearthetwofirms’AUMgrewbyover10%amonth,sodoublingeverysevenmonths.Growthhassincefallentolessthan5%.WealthfrontusedtotrumpetitsAUM,butnowrevealsitonlyinregulatoryfilings.InAugustitwas$2.6billion;assumingitisnow$2.9billion(itsaysonlythatitislessthan$3billion),itwilltakeayearandahalftodoubleatitsrecentrateofgrowth.Bettermentisfaringonlyslightlybetter.AdamNash,Wealthfront’sboss,saysAUMisamisleadingmeasure,asitisaffectedbyasset-priceswings,suchasthestockmarketslideofthelatesummer(largelyreversedsince).Itmightbethatvolatilityhasspookedpotentialinvestors.Bothfirmssaycustomersarejoininginbignumbers,andthatAUMwillgrowwiththeirsavings.Competitionfromincumbentwealthmanagerswillhavehurttheroboticduo.Vanguard(whichputstogethermanyofthefundsBettermentandWealthfrontrecommendtoclients)andSchwabhavebothrecentlylaunchedrobo-advisoryservices.Thesehavegrownquickly–Schwab’snowhas$4.1billioninAUM–ifonlybypoachingexistingcustomers.Robo-puristsdecrypotentialconflictsofinterest.Indollarterms,bothBettermentandWealthfrontarestillattractingover$100mamonth–itisthesecond$100mthatisprovingelusive.Yetfintechfirmsusuallycountontheircustomgrowingatexponential,notarithmetic,rates.IfAUMgrowthdoesnotpickup,bothfirmswillhavetoraiseprices,expandtheirofferingsorputthemselvesupforsale.InAugustBlackRock,agiantassetmanager,boughtFutureAdvisor,asmallerrobo-rival.ThatrobotsofthesortdevisedbyBettermentandWealthfrontwilldirectanever-largerchunkofinvestors’cashseemsinevitable.Whethersuchproductscanbesoldprofitablybystartupsremainsindoubt.機(jī)器人顧問：“算”不起來一些公司銷售計(jì)算機(jī)生成的理財(cái)建議，它們的增長正在減緩考慮到人類投資者容易犯許多錯誤，比如在市場暴跌后賣出、交易太過頻繁、相信自己能跑贏股市等等，把錢的事留給計(jì)算機(jī)處理可能是最好的選擇。由此出現(xiàn)了一批公司，它們銷售計(jì)算機(jī)生成的理財(cái)建議，為厭倦了付高價(jià)給人類顧問的理財(cái)客戶提供幫助。由于“機(jī)器人顧問”成本低廉，這類公司發(fā)展迅速，讓傳統(tǒng)的財(cái)富管理公司驚恐不已。但是，最大型機(jī)構(gòu)的資產(chǎn)管理規(guī)模增速近來已經(jīng)下降，后起之秀的前景也隨之黯淡。在過去，即便不是百萬富翁，也得是手頭有幾十萬美元的人才能請得起理財(cái)顧問。人類顧問每年收取相當(dāng)于客戶資產(chǎn)組合1%至3%的費(fèi)用，所做的只是偶爾重新配置各資產(chǎn)類別、用聰明的法子交最少的稅。以加州機(jī)構(gòu)Wealthfront和總部位于紐約的公司Betterment為首的機(jī)器人顧問公司所做的事大致相同，但每年只收取總資產(chǎn)0.25%左右的費(fèi)用。機(jī)器人服務(wù)主要因?yàn)閴旱土斯芾碣M(fèi)，所以對于任何人來說都算干得不錯，除了那些需要復(fù)雜財(cái)務(wù)安排的巨富們。一份基本的問卷包括年齡、收入、投資目標(biāo)等問題，就可以幫助確定客戶的風(fēng)險(xiǎn)偏好，然后把資金配置到第三方提供的低成本基金上。有些人相信費(fèi)用和人為錯誤是投資的主要隱患，這是正確的，對于他們來說，其他方式很難與機(jī)器人顧問匹敵。其他的特色包括新潮的智能手機(jī)應(yīng)用(客戶傾向于年輕化)、定價(jià)透明，以及起投門檻很低或者完全沒有。Wealthfront形容自己是千禧一代的嘉信理財(cái)(CharlesSchwab)，通過削減成本降低投資門檻，正如20世紀(jì)70年代折扣經(jīng)紀(jì)人為嬰兒潮一代所做的一樣。但是，收費(fèi)很低意味著Betterment和Wealthfront需要管理大量資產(chǎn)才能盈利。這兩家公司的資產(chǎn)管理規(guī)模各為約29億美元，大部分是過去兩年中積累的，一年產(chǎn)生700萬美元左右的收入。這不足以負(fù)擔(dān)每家公司約100名員工的人力成本，還有高昂的營銷預(yù)算。據(jù)一位金融技術(shù)達(dá)人說，總成本可能達(dá)一年四千萬到五千萬美元(兩家公司均未公布數(shù)據(jù))。規(guī)模至關(guān)重要，因?yàn)槊恳晃恍驴蛻魰硇率杖?，而產(chǎn)生的額外成本極低。若要收支平衡，即便不要數(shù)千億美元，也需要數(shù)百億美元的資產(chǎn)管理規(guī)模。這兩家公司的風(fēng)險(xiǎn)投資人已向每家投入超過1億美元，并做好了初期會虧損的準(zhǔn)備。但即便如此，他們也希望在幾年內(nèi)就能盈利，而不是幾十年。去年這兩家公司的資產(chǎn)管理規(guī)模每月增長超過10%，每7個月翻一番。之后增長率降至5%以下。Wealthfront以前常大肆宣揚(yáng)自己的資產(chǎn)管理規(guī)模，但現(xiàn)在只在給監(jiān)管部門的備案中才會透露。8月其資產(chǎn)管理規(guī)模為26億美元;假設(shè)現(xiàn)在是29億美元(公司只說不到30億美元)，按照最近的增長速度，翻番需要一年半的時(shí)間。Betterment的發(fā)展也只是稍好一點(diǎn)。Wealthfront的老板亞當(dāng)·納什(AdamNash)稱資產(chǎn)管理規(guī)模是一個有誤導(dǎo)性的指標(biāo)，因?yàn)樗艿劫Y產(chǎn)價(jià)格波動的影響，比如夏末的股市下跌(之后已基本反彈)?？赡苁遣▌有試槈牧藵撛诘耐顿Y者。兩家公司都說現(xiàn)在有大量新客戶加入，而資產(chǎn)管理規(guī)模將隨著他們的積蓄增加而擴(kuò)大。來自傳統(tǒng)財(cái)富管理公司的競爭將傷害到這兩家機(jī)器人公司。領(lǐng)航集團(tuán)(Vanguard)(集合了Betterment和Wealthfront推薦給客戶的多支基金)和嘉信最近都推出了機(jī)器人咨詢服務(wù)。僅僅通過遷徙現(xiàn)有客戶，它們的業(yè)務(wù)已在迅猛增長：嘉信目前的資產(chǎn)管理規(guī)模為41億美元。機(jī)器人純化論者強(qiáng)烈反對潛在的利益沖突。以美元計(jì)，Betterment和Wealthfront每月仍在吸引超過1億美元，但第二個1億美元才是困難所在。然而，金融技術(shù)公司通常都指望它們的客戶以指數(shù)級而非算術(shù)級增長。如果資產(chǎn)管理規(guī)模的增速不回升，兩家公司都將不得不提高價(jià)格、拓寬產(chǎn)品服務(wù)或?qū)で筚I家。8月，資產(chǎn)管理巨頭貝萊德集團(tuán)(BlackRock)收購了一家較小的機(jī)器人對手FutureAdvisor。看來可以肯定的是，由Betterment和Wealthfront發(fā)明的這些機(jī)器人顧問將管理投資者資金中越來越大的一塊。但創(chuàng)業(yè)公司能否在這類產(chǎn)品上盈利則仍舊存疑。2021下半年翻譯考試二級筆譯模擬題達(dá)芬奇珍品以創(chuàng)紀(jì)錄價(jià)格拍賣成交A500-year-oldmasterpiecebyLeonardodaVincithatoncesoldforamere$60smashedtheworld’srecordforanartauctionWednesday.有500年歷史、曾經(jīng)僅以60美元成交的一幅達(dá)芬奇畫作星期三在一個藝術(shù)品拍賣會上以創(chuàng)世界紀(jì)錄的高價(jià)售出。“SalvatorMundi,”whichdepictsChristraisinghishandinablessing,soldfor$450millionatChristie’sAuctionHouseinNewYork.考生如果怕自己錯過考試成績查詢的話，可以免費(fèi)預(yù)約短信提醒，屆時(shí)會以短信的方式提醒大家報(bào)名和考試時(shí)間。在紐約佳士得拍賣公司的拍賣會上，耶穌舉手祝福的《救世主》達(dá)芬奇畫作以4億5千萬美元的價(jià)格成交。Thebuyerwhowasno