口译练习：请听下面的语段，记笔记，并口译。

1.

这次人民币汇率形成机制改革中所包含的参考一篮子货币进行调节的内容,适应了我国对外经贸关系多元化和国际经济金融体系发展趋势的需要。// 参考一篮子货币不是盯住一篮子货币。盯住一篮子货币，是机械地按篮子货币汇率指数的变化来调整人民币对美元汇率，以实现名义有效汇率不变。而我国实行的是以市场供求为基础、参考一篮子货币进行调节、有管理的浮动汇率制度。//与单一盯住美元的汇率制度相比，可以更全面地反映人民币对主要货币的变化，有利于较好地应对美元不稳定所带来的影响，降低人民币多边汇率的波动，维护我国对外经贸环境总体上的稳定，从而促进国际收支基本平衡和国民经济持续、协调、健康发展。

2.

The credit card was a revolutionary idea. Today, a small plastic card lets people charge purchases in millions of places. The sellers get paid through an electronic system of banks. The buyers get a monthly statement to pay off. They can buy now and pay later. //Most American families have at least one credit card. The Federal Reserve, the central bank, says Americans have more than seven hundred billion dollars in credit card debt. They pay an average interest rate per year of about twelve to fourteen percent. // Some card users pay all their charges each month, so they do not owe interest. Others make only the small payment required. If they owe thousands of dollars, the debt can take years to pay off. // And that is not the only danger. Information security and identity theft are major issues these days. Recently there have been several incidents in which many people had financial information either lost or stolen. These incidents may put millions of Visa, MasterCard and other cards at risk of misuse. //

参考答案：

1.

The reform of RMB exchange rate regime to allow RMB exchange rate float with reference to a basket of currencies is in line with the needs of diversifying foreign economic and trade relations as well as the development of the international economic and financial system. // Referring to a basket of currencies is not equal to pegging to such a basket. Pegging means mechanically adjusting the exchange rate of RMB against the US dollar according to the exchange rate movements of the currencies in the basket in an attempt to keep the nominal effective exchange rate unchanged. // Quite differently, what we are having now is a managed floating exchange rate regime based on market demand and supply with reference to a basket of currencies. // In comparison with an exchange rate regime of pegging to the US dollar solely, it can better reflect the competitiveness of RMB against major currencies, better absorb the impact generated by an unstable US dollar and moderate the fluctuations of RMB exchange rates at the multilateral level, safeguard the overall stability of China's foreign economic and trade environment and consequently promote the basic equilibrium of balance of payments as well as the sustained, coordinated and healthy growth of the Chinese economy.

2．

信用卡的出现是一个革命性的理念。今天，一张小小的塑料卡片人们在几百万个地方的付费购物。卖方通过银行的电子系统收款，买方则付清每月收到的账单。他们可以先购买再付费。//大多数美国家庭都至少有一张信用卡。美国联邦储备局，也就是美国的央行说，美国人每年要为的信用卡负债支付超过7000亿美元的利息，平均大约是12%到15%的年利率。//有些使用者每月把费用付清，这样就不用付任何利息。另一些人则只是付要求的少部分付款。如果他们欠款几千美元，可能要几年才能还清欠款。// 危险还不止于此。信息安全和身份被盗成为近期的主要问题。最近发生了好几起事件，许多人的金融信息丢失或者被盗。这些事件让几百万张Visa, MasterCard和其他信用卡受到被滥用的危险。//