下面你将听到的是一段有关金融改革的讲话。 我国金融改革的不断深化将为外资银行与中资银行的合作带来新的机遇。银监会鼓励外资银行通过参股中资银行,在业务、客户和市场方面获得突破;同时,在公司治理、内控、风险管理和经营理念方面带来先进的经验和做法,使中、

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问题 下面你将听到的是一段有关金融改革的讲话。
    我国金融改革的不断深化将为外资银行与中资银行的合作带来新的机遇。银监会鼓励外资银行通过参股中资银行,在业务、客户和市场方面获得突破;同时,在公司治理、内控、风险管理和经营理念方面带来先进的经验和做法,使中、外资银行在合作中共同获得发展。
    作为深化金融改革的一个重要方面,我们欢迎合格的境外战略投资者按照自愿和商业原则,参与我国银行业金融机构的重组和改造。经国务院同意,银监会决定将单个外资机构入股的比例由原来规定的15%提高到20%;合计外资投资所占比例如低于25%,被入股机构的性质和业务范围不发生改变。
    截至目前,经国务院同意,我国已有5家股份制商业银行和城市商业银行获准吸收境外投资者人股,其中单个外资机构入股中资银行的最高比例为15%。吸收外资人股,在改善中资金融机构的资本结构,引进先进管理模式和经营理念,促进经营方式与国际接轨等方面发挥了明显和积极的作用。在这里举两个例子。
    上海银行:上海银行吸收了国际金融公司、汇丰银行、香港上海商业银行投资人股,三个外方股东总共持股18%。外方股东通过提供各种技术援助和派驻董事发挥作用,使上海银行在完善治理结构、引进先进的经营管理理念和技术、加强内控等方面取得了很大进步,在城市商业银行中较早采用了规范的年报制度,披露经营管理状况。
    南京市商业银行:吸收国际金融公司入股,持股比例为15%,是第三大股东。IFC入股后,在完善南京市商业银行的治理结构、经营管理体制、信贷结构、会计制度等方面提出了大量建议,其中很多建议已在实施之中,对促进南京市商业银行提高经营管理水平发挥了重要作用。

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答案 Deepening the financial reform in China will offer new opportunities to facilitate cooperation between foreign banks and the Chinese banks. The China Banking Regulatory Commission (CBRC) encourages foreign banks to acquire equity in Chinese banks. This benefits both foreign banks in terms of business, customer and market, and Chinese banks in terms of introduction of advanced experience and practice in corporate governance, internal control, risk management and operation concept. Qualified strategic investors from abroad are welcome to participate, on a voluntary and commercial basis, in the reorganization and restructuring of Chinese financial institutions as an important measure to deepen the financial reform. With the approval of the State Council, the CBRC decides to increase the equity share of a single foreign institution to 20 percent from the previous 15 percent. As long as the equity share of the total foreign investment in a financial institution is lower than 25 percent, the nature and business scope of the institution with foreign equity remain unchanged. With the approval of the State Council, so far five joint-equity banks or city commercial banks are authorized to sell equity to foreign investors, although the maximum equity share of a single foreign investor is limited to 15 percent. The introduction of foreign investment plays a positive role in improving the equity structure of Chinese financial institutions, introduction of advanced banking management model, and bringing our banking activities in line with the international practice. I give you two operation concept examples. Bank of Shanghai (BOS): After selling 18 percent of its equity to International Financial Corp. , the Hong Kong and Shanghai Banking Corp. Ltd. , and the Hong Kong Shanghai Commercial Bank, the BOS has made great progress in improving corporate governance, introducing advanced operation and management concept and expertise and tightening internal control. This is attributed to the technical assistance and appointment of resident directors from the three foreign investors. Consequently, the BOS is among the first city commercial banks to adopt the annual disclosure systems for reporting business management. Nanjing Commercial Bank (NCB): After acquiring 15 percent of the NCB’s equity share and becoming its third largest shareholder, International Financial Corp. has given NCB a lot of advice on corporate governance, operation management system, portfolio structure, accounting system, etc. These are being implemented. This plays an important role in helping NCB raise its level of business management.

解析     本文是一段关于中国金融改革的讲话。文中涉及我国金融改革的方向,主要是外资银行的入股问题。本文明确指出了外资银行入股的政策和原则,并且列举了我国金融改革过程中外资银行人股的成功范例。
    本文要求应试者掌握一定的金融业常识,了解相关的专门词汇和表达方式,这依赖于应试者平时的知识积累,是翻译的基本要求。此外,应试者还需要在听的短时间内,对汉语特色的流水句做出相应的分析,适当地将其切分为多个独立的英文句子。翻译时把握好两种语言各自特色,完成双语间的转换。对于一些较为生僻的短语和表达法,不能死译、硬译,而应该充分联系上下文灵活变通,使译文通顺流畅。
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