口译练习：请听下面的语段，记笔记，并口译。

1.

经国务院批准，自2005年7月21日起，我国开始实行以市场供求为基础、参考一篮子货币进行调节、有管理的浮动汇率制度。//人民币汇率不再盯住单一美元，而是按照我国对外经济发展的实际情况，选择若干种主要货币，赋予相应的权重，组成一个货币篮子，在此基础上测算人民币多边汇率水平的变化。// 根据国内外经济金融形势，以市场供求为基础，参考一篮子货币计算人民币多边汇率指数的变化，对人民币汇率进行管理和调节，维护人民币汇率的正常浮动和在合理均衡水平上的基本稳定。// 由此可见，篮子货币已经成为我国新的汇率形成机制中的一项重要内容。

2.

Saving money is a first step toward wealth. Putting money away for the future also supports the banking system，as banks need a supply of savings to provide money for loans. Banks and other financial organizations pay interest on savings accounts, but the interest rates are low. // Certificates of deposit are another way to save, which have higher interest rates. With a certificate of deposit, a person agrees not to withdraw an amount of money for a period of time, and the term could be three months, or it could be several years. Longer terms, and larger amounts, pay higher interest. People can withdraw their money early but at a cost. // Another way to save is through a money market fund, which is a kind of mutual fund that invest money from many people. Money market funds pay higher interest than savings accounts, but may not be federally guaranteed like other kinds of savings, and the money is usually placed in short-term government securities. //

参考答案

1.

With authorization of the State Council, on July 21, 2005 China moved into a managed floating exchange rate regime based on market supply and demand with reference to a basket of currencies. // The RMB will no longer be pegged to the US dollar. Instead, the RMB exchange rate will be determined based on a basket of certain major currencies with assigned weights selected in line with the real situation of China's foreign-related economic development. // At the same time, in response to financial situation home and abroad, proper measures would be taken to manage and adjust the RMB exchange rate based on market supply and demand while considering the change rate index of the basket of currencies, so as to maintain the RMB exchange rate basically stable at an adaptive and equilibrium level. // In this sense, we can see that the basket of currencies has become a major part of China’s new exchange rate regime. //

2.

储蓄是迈向财富的第一步。把钱放置起来以后再用也支持了银行体系，因为银行需要储蓄的资金来提供贷款。银行和其他金融机构给（活期）储蓄账户支付利息，但是利息很低。// 定期存款是另一种储蓄方式，利息会高一些。根据定期存款证明，存款人同意在一定期限内不提出一定量的资金，期限可以是三个月，也可以是几年。期限越长，数额越大，利息就越高。提前提取也可以，但会有损失。// 另外一种储蓄的方式是通过货币市场基金，也就是一种许多人一起投资的共同基金。货币市场基金的利息比储蓄账户高，但是不会像其他形式的储蓄那样得到联邦政府的保证。这些资金通常是用来购买短期政府证券。//