本科生毕业论文专业文献翻译
题目： Personal Finance: Past, Present生存反义词 and Future 个人理财：过去，现在和未来
题 目 个人理财：过去，现在和未来
学 院 计算机学院
专 业 计算机科学与技术
学生姓名 邵黎明
学 号 ********** 年级 2008级
指导教师 游洪跃
原文：
Personal Finance: Past, Present and Future
Introduction
In recent years, the need for financial education has gained the attention of a wide range of entities including banking companies, government agencies, grass‐roots consumer and community interest groups, universities, schools, and other organizations. Numerous factors have led to a complex, specialized financial rvices marketplace that requires consumers to be actively engaged 怀孕初期胃疼if they are to manage their finances effectively. The
forces of technology and market innovation, driven by incread competition, have resulted in a sophisticated industry in which consumers are offered a broad spectrum of rvices by a wide array of providers. Other important demographic and market trends contributing to concerns include incread diversity of the population, resulting in houholds that may face language, cultural, or other barriers to establishing a banking r
林冲绰号
elationship; expanded access to credit for younger populations; and incread employee responsibility for directing their own investments in employer‐sponsored retirement and pension plans.
The prevailing concern is that consumers lack a working knowledge of financial concepts and do not have the tools they need to make decisions most advantageous to their economic wellbeing. Financial decisions made by consumers affect an individual’s or family’s current financial wellbeing and ability to save for long‐term goals such as buying a home, eking higher education, or financing retirement. In addition, the consumer
decisions also play an important role in the overall economic health of the nation, as was
experienced through the recent economic crisis.
2
Most白酒的制作方法 recent economic issues such as credit card debt, home foreclosures, reduced savings, declining values of investments, the collap of the subprime lending market, and escalating numbers of personal bankruptcy have focud the nation’s attention on the importance of financial education.
Technological advances have transformed nearly every aspect of the marketing, delivery, and processing of financial products and rvice. The forces of technology and market innovation, driven by incread competition, have resulted in a sophisticated industry in which a wide array of providers offers consumers a broad spectrum of financial products and rvices. The developments have given consumers more options and greater flex太公钓鱼ibility in creating financial arrangements that best suit their needs. However, a complex and specialized financial rvices marketplace requires consumers to be informed and actively engaged if they are咨询服务费合同范本 to manage their finances effectively.
While there are many caus to the economic problems facing the country, it is undeniable that a lack of financial education is a contributing factor. Far too many Americ
ans entered into home and other loan agreements that they did not understand and ultimately could not afford. More broadly, the lack of basic skills such as how to create and maintain a budget, understand credit, or save for the future are prevare的过去分词enting millions of America杨布ns from taking advantage of our vibrant economic system. Financial education is not an issue unique to any one population. It affects everyone—men and women, young and old, across all racial and socioeconomic lines (U.S. Department of the Treasury, Office of Financial Education, 2008).
3
