（Chapter 6）John. Paulson acknowledged wrong investment to customers. Behind the apology, we see what are the implications?

（第六章）約翰．保爾森向客戶承認投資錯誤。道歉的背後，我們看到甚麼啟示？
John. Paulson acknowledged wrong investment to customers. Behind the apology, we see what are the implications?

博客寫於28/11/2011
Blog written in 28/11/2011

著名對沖基金經理約翰．保爾森，十月份向客戶承認，他對金融市場的趨勢估計錯誤。他說：「我們犯了錯誤」。

Well-known fund manager, John Paulson, admitted in October to its customers, trends in financial markets, he miscalculated. He said: "We made ​​a mistake."


小投資者經常認為，在股票市場裏找生活，只要財政充足，便很容易獲取利潤。


Small investors often think, to find life in the stock market, as long as the financial adequacy, it is easy to obtain profits.


事實是：2011年股市，歐洲出現了債務危機，全世界的投資市場，投資蝕本的人很多，能夠賺錢的人少之又少。


The fact is: the stock market in 2011, Europe experienced a debt crisis, the world's investment markets, investors losing a lot of people; very few people can make money.


大家要明白一個事實，小投資者與基金經理人，彼此都是人類，小投資者會犯的錯誤，基金經理也一樣避免不了。

We have to understand the fact that small investors and fund managers who each other are human, mistakes that small investors, fund managers cannot avoid the same.

投資者的打算是這樣，把資金集中在基金經理人手中，讓他們有充裕資金握在手中，由於金錢數量龐大，賺錢的機會肯定增加。

Investor's intention is that, to concentrate resources in the hands of fund managers so that they have sufficient funds in hand, because a large amount of money, increasing the chances of making money.

按照邏輯推理而說，資金充足，的確是優點，基金經理們，添置先進設備，聘請優質的人才，賺錢的機會一定很高。

Logical reasoning and say, well-funded, indeed advantages, fund managers, purchase advanced equipment, hire quality personnel, must be very high chance of making money.


但殘酷的現實是，大部份基金的表現、都令投資者失望。

But the harsh reality is that most of the fund's performances have disappointed investors.


您是否知道，基金表現令人失望，最主要的原因是甚麼嗎？

Did you know that fund performance is disappointing, the main reason is?

讀者們，包括您自己，您的親戚，同事，朋友們，大家在這一年的投資成績，都能彼此與人分享嗎？

Readers, including you, your relatives, colleagues, friends, everyone in this year's investment results, you can share with each other?

如果您的答案，是不確定的話，那麼，您便要繼續把這篇博客看下去。

If your answer is uncertain, then you will have to continue to read on this blog.

如果邏輯推理的前提是：一名在金融市場博鬥的人，另一名在賭場搏彩的人，彼此的結果都是虧錢。

If the logic of the premise is: fighting against brain of a person in the financial markets, another person in the casino gaming, the results of each other are losing money.

一個整天在金融市場混戰的人，與一個整天在賭場博彩的人，其實是沒有兩樣的。

A day melee of people in the financial markets, and a day in casino gambling, in fact is no different.

我認為，一個沉迷在在賭場賭錢的人，他的生活，與一名整天在金融市場打滾的人，賭徒的生活是比較愉快的。

In my opinion, indulge in a gamble in the casino, his life, and a roll of all people in the financial markets, gambler's life is more pleasant.

賭徒身心疲乏後，回到家裡可以立刻睡覺，等待精神充足後，再回去賭場博殺。

Gamblers physical and mental fatigue, back home to sleep immediately, after waiting for sufficient spirit, striving hard and then go back to the casino.

金融市場，每日24小時，每一時刻，都有市場進行交易。

Financial markets, 24 hours a day, every moment, there are markets for trading.

美國、德國的政府官員所發表的談話、不同地區層面的政治動亂，每一刻都影響金融市場的運作，把金錢放在金融市場的人，怎能放心安睡？

The United States, Germany, the remarks of government officials, political unrest in different parts of levels, each moment affect the operation of financial markets, the money on the financial markets were, how can sleep at ease?

賭徒賺錢後，可以隨時到海外渡假，高度投入金融市場的人，能安心渡假嗎？

Gamblers to make money can always resort to overseas; a high degree of investment in financial markets, people can feel at ease vacation it?

現代資訊發達，金融事務揉合到政治層面上。現在全球事務，互相緊密聯結在一起，金融事務揉合到政治層面上。

Now the world's affairs, each closely linked together, combining the financial affairs to the political level.

投資人每天緊張地注視資訊機，閱讀報章、觀看電視，一天到晚，到互聯網上翻查資料。

Investors watched nervously information machine every day, reading newspapers, watching television, all day long, to retrieve information on the Internet.

每天身體疲乏了，不能安睡，有金錢進帳，還算是值得，如果付出勞力之後，還要賠出金錢，這些日以繼夜的日子，不但影響正常的生活，還會影響職業和前途。

Daily physical fatigue, and cannot sleep, there is money revenue, still is worth, if you pay the labor and will still pay out money around the clock these days, not only affect the normal life, but also affect the career and future.

悠閑的生活，是人們夢寐以求的生活。

Life of leisure is that people dream of living.

您是否希望重新享受，進入金融市場之前，那些休閒的生活？

Do you want to enjoy again, before entering the financial markets, those leisure life?

常常來這裏，探望我吧。

Often came here, to visit me.

我把主題扯遠了，讓我言歸正傳。

I put the theme of the topic; let me get down to business.

小投資者認為，星級基金經理會賺大錢的，他們的業績告訴我們，依靠別人，替自己賺錢，不是正確的投資策略。

Small investors, Star fund managers will make big money, and their performance tells us that relying on others to make money for ourselves, not the right investment strategy.

博客寫到這裏，我想問讀者一個問題：

Blog wrote here, I would like to ask readers a question:

您是否一名基金投資者，另外，自己又進入交易市場，進行每日的金融產品的投機交易？

Are you a fund investor, the other, but it is to enter the market, the daily trading speculative financial products?

如果您的答案兩者皆是的話，那麼您便不是一名精明的投資者。

If your answer is both yes, then you have not a smart investor.

因為在金融市場上，您有可能是基金經理的交易對手。

Because in the financial markets, you may be fund managers counterparty.

他如果賺錢，您有可能輸錢，假如他輸錢的話，您比他輸得更多。

If he is to make money, you may lose money, if he loses money; you get more than he lost.

換言之，您被迫經常站在虧損的一方。這是甚麼理由呢？

In other words, you are often forced to stand in a loss of one. What are the reasons?

因為基金經理被迫，經常面對一個違反常理的限制，他們經常會面對，投資者的認購及贖回的壓力。
Because the fund managers are forced, often face a violation of common sense restrictions, they often face, investor subscription and redemption pressure.

股市低殘的日子，基金投資者被身邊的金融消息、財經的數據，或報章上評論員的善意勸戒，把持不定主意，影響了投資意慾。

The day the stock market low residue, fund investors are close to financial news, financial data, or newspaper commentator on the goodwill of exhortation, uncertain mind control, affecting the investment.

在懼怕招受損失的氣氛下，投資者會選擇贖回基金，於是基金經理被迫沽出股票，以應付投資者的贖回潮。換言之，基金公司，在股票下跌的時候，售出股票。利潤又從何而來？

Move by the fear of loss of atmosphere, investors will choose to redeem, so fund managers are forced to sell shares to meet investor redemptions. In other words, the fund company, in the decline of the stock, sold stock. Profits come from?

相反，股市在熱火朝天的日子裏，投資者蜂湧認購基金或購買股票，基金公司在冀望增加盈利的誘因下，不得不高追股票。

In contrast, the stock market in full swing in the day, investors flock to subscribe for or purchase fund shares, fund companies look to increase the income of incentives, had to chase the stock higher.

在股市每日步步高昇的日子裏，假如基金公司持有大量現金的話，基金經理會被責罵無能。

Rise higher and higher every day in the stock market days, if the fund holds a large amount of cash, the Fund Manager will be condemned incompetence.

因為基金投資者，沒有理由付出管理費用，讓基金公司持有大量現金，而不利用持有的資金，增加收益。

Because fund investors, there is no reason to pay a management fee, so large amounts of cash held by fund companies, rather than the use of funds held, and increase revenue.

理論上，基金經理應該低價買入，高價賣出， 才能賺取利潤。

In theory, the fund manager should buy low, sell high in order to earn profits.

基金公司基於投資者認購和贖回的市場規律，基金經理在金融風暴中，受到現實環境所控制，被迫高價買入股票，而在低價時候賣出，風潮過後，埋單計數，業績那能理想？

Fund based on investor subscription and redemption of the laws of the market, fund managers in the financial turmoil, because of practical controlled, forced to buy high-priced stocks, while selling at low prices when, after wave, pays the bill count, results that can ideal?

下期預告：您是否都具備，精明投資者，必備的條件？

Next Issue：Do you possess, smart investors, the necessary conditions?

以下的資料，是回應讀者要求而搜集的。

您是否想知道，歐洲聯盟的成員國家中，包含那些會員國家？

Do you want to know, the European Union member countries, including those member countries?

The following information is collected to respond to reader requests.

歐洲聯盟和歐元區是兩個不同的國際組織。參加的會員國家也有所不同，下一章節會印出歐元區的會員國家，請您留意。

European Union and the Euro area are two different international organizations. Participating member countries are different; the next chapter will be printed in the euro area member Countries please pay attention.

奥地利 Austria
德國Germany
荷蘭Netherlands
比利時 Belgium
希臘Greece
波蘭Poland
保加利亞 Bulgarian
匈牙利 Hungary
葡萄牙Portugal
塞浦路斯Cyprus
愛爾蘭Ireland
羅馬尼亞Romania
捷克共和國Czech Republic
意大利Italy
斯洛伐克Slovakia
丹麥Denmark
拉脱维亞Latvia
斯洛維尼亞Slovenian
愛沙尼亞Estonia
立陶宛Lithuania
西班牙Spain
芬蘭Finland
盧森堡Luxembourg
瑞典Sweden
法國France
馬耳他Malta
英國Britain

獲承認
候選國
Recognized candidate countries

克羅地亞　　
Croatia

馬其頓
Macedonia

土耳其
Turkey

(Chapter 5) debt crisis in Europe: France and Germany's efforts will effectively solve the problem?

The following blog was written in November 25th, 2011

German 10-year bond auction, there is not enough of a subscription.

Germany 6 billion euros, ten-year government bonds, and ultimately only raised 3.56 billion euros, and the remaining amount by the German central bank to underwrite.

The reasons for dismal sales, in addition to not attract interest, the main investors, worried about the debt crisis in Europe, will eventually explode.

Debt crisis of the flame, the body has been burned in Germany.


In addition, the European Union requires creditors, automatic 50% reduction in the principal amount invested. These absurd proposals scared off investors.


The current instability in financial markets, even to buy German bonds, investors will worry about a loss.

Therefore, the Greek government, in the financial markets to raise emergency funds, encountered unprecedented difficulties.


Currently, those who need to rely on Greek government bonds as collateral to borrow from overseas financial institutions, Bank of Greece,have no means of obtaining funds from overseas, banks operating in Greece, and only rely on the European Central Bank, to provide funds.


Lending between banks in Europe, for fear of lending side, cannot repay the loan in accordance with the contract.

Therefore, the European money markets, short-term liquidity shortages, more and more obvious. Banks have to pay interest on, more and more.

Spain's ten-year bond auction, yield up to 6.975 PCT, he and Italy, a loser, breaking yield of 7%, only a matter of time.

A large number of investors, because of fear of European sovereign debt crisis will affect the security of funds, a lot of money, had fled Europe, the U.S. Treasury, as a safe haven, U.S. bond yields fell, the euro against the U.S. dollars devaluation.

Outside Europe, Financial market is flooded with cash, a substantial increase in the number has reached the point cannot handle.

In fact, investors who choose to put their money on the dollars, the investor is not really willing to invest.

Although investment in the U.S. who have a great risk to accept the currency devaluation; but invest in European bonds, in addition to face the reality of depreciation, but also ready to face, forced to automatically reduce the amount of investment.
For investors, this is a very cruel punishment.


Therefore, the leaders of France and Germany have an attempt to rescue the Greek fiscal imbalance; can only come up with some fantastic ways, these approaches, but tied goggles, blind recklessness, intent to turn the tide.


To solve the core problem, without any help.

Their hearts in good faith, however, the obstacles placed in front, step by step difficult to walk over.


Currently, there is no reason has been able to convince investors willing to buy euro-denominated debt.


Here, let me give an example:

Some people, they do not know how to swim, but they are full of delusions, so they jumped in the water from the ship deck, hoping to save a suicidal person.


French and German leaders, and that a person cannot swim, there is no difference.
Let ignorant people, to save incurable people.


Greece by debt, has reached the point where no solution. Those who find ways to save the Greek are facing danger of self-immolation

Before long, the French credit rating was lowered down, then Germany, this two countries, can only be combined together to solve problems.

They will eventually give up the differences stand in the European Central Bank's "quantitative easing plan", the final compromise, hoping to resolve the crisis.

When the day came when the world printing money machine, it will start at full speed, the international financial markets, will start a battle, that is: a large currency devaluation race.


At present, banks within the euro zone, especially a large number of trades with the Greek company, due to reasons of greed, all have a lot of bad assets.


When the company's credit rating was lowered down, they are no way to raise funds with goodwill.

Greek banks can only negotiate with the State, using the name of the country, a large number of bonds issued to obtain funds to fill a loss of money black hole.

Until now, if you go to ask the president of the Greek financial institutions, how deep the black hole?

They only shook his head, his hands open, to answer your questions.

Here, I can answer you.

However, you should first answer the following three questions:

1 Do you think: Will fiscal austerity, to help European countries, out of financial difficulties?

2 Do you think: a lot of cash to help the Greek debt is to solve the financial crisis of way?

3 Germany and France have done everything, to save Greece out of financial difficulties, what is the purpose behind them?

To answer these questions, the answer is very simple, because the commercial banks in Germany and France, now has an astronomical figure of Greece, Spain, Portugal, Italy and Ireland, the country's national debt, and the difficulty of acceptance of the assets.

Germany and France, a substantial increase in cash supply to financial markets, to save the European countries in financial difficulties, in fact, their ultimate goal is to save himself.

If you can answer my above questions, can be a pretty good idea, you will be able, in the investment market has a rich harvest.

If you have confidence in my analysis, then, you are welcomes to visit me often come more often?

（Chapter 4）：Greece has set foot on the road of bankruptcy, the euro depreciated, just around the corner.

（Chapter 4）：Greece has set foot on the road of bankruptcy, the euro depreciated, just around the corner.

Europe's financial crisis, whether for a long time to ten years, or as short as one to two years, certainly not satisfactory to clean up.

Leaders of democratic countries, incapable of governing the country, the investors purchased the bonds, his face all the tears, financial institutions suffered large financial losses, all in all, only the debt of the country, eventually able to stay.

If the outcome of the crisis is: the country in debt, stay out, and investors find their own demise. Who is responsible for these mistakes?

We all know that this time the crisis occurs, first started to spread from Greece.
According to data compiled by Bloomberg show: (June 2011) Greece's total debt is 340 billion euros.

German lender holds a total of $ 22.7 billion Greek government bonds;
French individual banks, lending money to companies and people of Greece, the total are $ 54.6 billion

European Central Bank, holding the Greek government bonds, 50 billion euros.

There is other, not set up headquarters in the Greek companies invested 18.2 billion euros of Greek government bonds.

Faced with such huge debts, the Greek Government, by virtue of that ability to repay debts out?

European debt crisis first surfaced, the complexity hidden inside, governments, the officials responsible for financial affairs, did not come up with a responsible attitude to deal with.

As financial markets operator, using the east wall demolition, re-repair the west wall broken.

Application of methods to conceal the fact, the crisis swept into the carpet.


When confronted with a crisis, delaying things resolved, the situation will not only become increasingly difficult, the severity of the case, just like Chinese people often say that the proverb: "A wok cooked." Implication is that all people all lose their lives.

In fact, among the brothers in the European Union, Greece can only be considered as little brother ,Even if he has any financial difficulties, and other big brother, just a little take care of the problem should be solved soon.

Even little brother is sick; the normal reason is that, although little brother was sick, the other big brother should not be affected.

Why, then, little brother is sick, big brothers have appeared to be inadequate, not only money, but also make every effort, still cannot cure?

It now appears that Greece's condition has not improved, but also extends out pathogens, so the other brother, such as: Portugal, Spain, Ireland and other brothers have all got sick.

According to the present situation, France, Italy and other economic powers, are infected with colds, flu and other symptoms, and symptoms become increasingly apparent.

Greece's debts how high?
The answer is: as high as the sky.
If Greece's debt to be converted into cash.
And the cumulative height can reach the moon.


In 2009, the Greek national debt is the gross national product of 113% of GDP.

U.S. Treasury bonds are the gross national product 85% of GDP.

In 2009, Greece in order to cope with financial crisis, the state's economic stimulus measures, led to the burden of more debt.

At that time, Greece at the peak of aging population, health care policy loose, generous retirement benefits, the country's public spending rising.

For example: the Greek people, to retire before the age of 60 can receive full pension.

Greek government fiscal discipline is not good, the year 2000, the country's total deficit, and the actual amount of loss underreporting.

Later, Greece joined the euro economy, the cost of borrowing cheaper, total debt, rising from year to year.

In addition, the Greek economy is not diversified, highly dependent on tourism, trade and transport; financial tsunami coming, a weakening U.S. dollar, the euro strengthened, a severe blow to tourism. Greece's debt burden is only increasing.

Euro-zone economy, go down the current situation, the collapse of the days of the euro area, is imminent.

Some economic analysts said the global economic power, at a later dates, the attention has focused on China.

But I do not think that is correct comments. Because of the financial disaster spread around the world, China's export trade will collapse, China's economic power, can move forward again?


Next Issue:

(Chapter 5) debt crisis in Europe: France and Germany's efforts will effectively solve the problem?

（第四章）希臘已經踏上破產路上，歐元大幅貶值，指日可待。

（ dì第sì四zhāng章） xī希là臘yǐ已jīng經tà踏shàng上pò破chǎn產lù路shang上， ōu歐
yuán元dà大fú幅biǎn貶zhí值， zhǐ指rì日kě可dài待。

ōu歐zhōu洲fā發shēng生jīn金róng融wēi危jī機， bú不lùn論shí時jiān間cháng長dào到shí

十nián年， huò或shì是duǎn短dào到yí一zhì至 èr二nián年， yí一dìng定bù不kě可néng能

wán完mǎn滿shōu收shi拾wán完bì畢。

mín民zhǔ主guó國jiā家de的lǐng領dǎo導rén人， zhì治lǐ理guó國jiā家wú無néng能、 gòu購

mǎi買le了guó國zhài債de的tóu投zī資zhě者， liǎn臉shàng上dōu都shì是lèi淚shuǐ水、

jīn金róng融jī機gòu構méng蒙shòu受dà大 é 額jīn金qián錢sǔn損shī失、 zǒng總 ér而yán言

zhī之， zhǐ只yǒu有qiàn欠zhài債de的guó國jiā家， zuì最zhōng終kě可yǐ以zhì置shēn身

shì事wài外。

jiǎ假rú如wēi危jī機de的jiē結guǒ果shì是： qiàn欠zhài債de的rén人， zhì置shēn身shì事

wài外， tóu投zī資zhě者zì自zhǎo找miè滅wáng亡。

zhè這shì是shéi誰rén人yào要wèi為zhè這xiē些guò過cuò錯fù負zé責？

dà大jiā家dōu都zhī知dào道， zhè這yí一cì次wēi危jī機de的fā發shēng生， zuì最xiān先shì

是cóng從xī希là臘kāi開shǐ始kuò擴sàn散。

gēn根jù據péng彭bó博shè社biān編zuǎn纂de的shù數jù據xiǎn顯shì示：

（ 2011 nián年6 yuè月） xī希là臘de的zhài債wù務zǒng總 é 額shì是3400 yì億ōu歐yuán元。

dé德guó國dài貸kuǎn款shāng商zǒng總gòng共chí持yǒu有jià價zhí值227 yì億měi美yuán元

de的xī希là臘guó國zhài債；

fǎ法guó國gè各bié別yín銀háng行， jiè借chū出kuǎn款xiàng項gěi給xī希là臘de的gōng公

sī司hé和rén人mín民， zǒng總 é 額shì是546 yì億ōu歐yuán元。

ōu歐zhōu洲zhōng中yāng央yín銀háng行， chí持yǒu有xī希là臘guó國zhài債， dá達dào到500 yì億

ōu歐yuán元。

lìng另wài外hái還yǒu有yì一xiē些， zǒng總bù部bìng並fēi非shè設lì立zài在xī希là臘de的

gōng公sī司， tóu投zī資le了182 yì億ōu歐yuán元xī希là臘guó國zhài債。

miàn面duì對rú如cǐ此páng龐dà大de的zhài債wù務， xī希là臘zhèng政fǔ府， píng憑jiè藉

nà那xiē些néng能lì力， bǎ把qiàn欠kuǎn款cháng償huán還chū出lái來？

ōu歐zhōu洲zhài債wù務wēi危jī機zuì最chū初lù露chū出shuǐ水miàn面shí時， nèi內lǐ裡

cáng藏zhe着fù複zá雜xìng性， gè各guó國zhèng政fǔ府， fù負zé責jīn金róng融shì事wù務

de的guān官yuán員， méi沒yǒu有ná拿chū出fù負zé責de的tài態du度yìng應duì對。

zhì至yú於jīn金róng融shì市chǎng場de的yíng營yùn運zhě者， shǐ使yòng用chāi拆huǐ毁

dōng東biān邊de的qiáng牆bì壁， chóng重xīn新xiū修bǔ補xī西biān邊pò破làn爛de的qiáng牆。

shī施yòng用yǐn隱mán瞞shì事shí實de的bàn辦fǎ法， bǎ把wēi危jī機sǎo掃jìn進dì地tǎn毯dǐ底。

dāng當yù遇dào到wēi危jī機shí時， bǎ把shì事qíng情tuō拖yán延jiě解jué決， jú局miàn面

bú不dàn但huì會yuè越lái來yuè越jí棘shǒu手， shì事tài態yán嚴zhòng重de的huà話， zhǐ只

hǎo好xiàng像zhōng中guó國rén人cháng常shuō說de的chéng成yǔ語： 「 yí一huò鑊shú熟」 。

hán含yì意shì是： suǒ所yǒu有de的rén人dōu都péi賠shàng上xìng性mìng命。

qí其shí實zài在ōu歐méng盟de的xiōng兄dì弟zhōng中， xī希là臘zhǐ只suàn算shì是xiǎo小

dì弟dì弟， jiù就suàn算tā他yǒu有shén甚me麼jīng經jì濟kùn困nan難， qí其tā他dà大gē哥

gē哥， zhǐ只xū須shāo稍wéi為zhào照gù顧yí一xià下， wèn問tí題yīng應gāi該hěn很

kuài快biàn便kě可yǐ以jiě解jué決。

zòng縱shǐ使xiǎo小dì弟dì弟shēng生bìng病le了， àn按zhào照zhèng正cháng常dào道lǐ理

shuō說， dì弟dì弟suī雖rán然shēng生bìng病le了， qí其tā他gē哥gē哥bù不yīng應huì會

shòu受dào到yǐng影xiǎng響。

nà那me麼， wèi為shén甚me麼xiǎo小dì弟dì弟shēng生bìng病le了， dà大gē哥gē哥men們

dōu都xiǎn顯de得lì力bù不cóng從xīn心， bú不dàn但chū出qián錢， hái還qīng傾jìn盡xīn心

lì力， dōu都bù不néng能bǎ把bìng病zhì治hǎo好？

xiàn現zài在kàn看lái來， xī希là臘de的bìng病qíng情bú不dàn但méi沒yǒu有hǎo好

zhuǎn轉， ér而qiě且hái還bǎ把bìng病yuán原tǐ體kuò擴zhǎn展chū出qù去， lìng令dào到

qí其tā他gē哥gē哥， lì例rú如： pú葡táo萄yá牙、 xī西bān班yá牙、 ài 愛ěr爾lán蘭děng等

gē哥gē哥dōu都xiān先hòu後dé得le了bìng病。

xiàn現zài在kàn看lái來， xī希là臘de的bìng病qíng情bú不dàn但méi沒yǒu有hǎo好

zhuǎn轉， ér而qiě且hái還bǎ把bìng病yuán原tǐ體kuò擴zhǎn展chū出qù去， lìng令dào到

qí其tā他gē哥gē哥， lì例rú如： xī西bān班yá牙、 pú葡táo萄yá牙、 ài愛ěr爾lán蘭děng等

gē哥gē哥dōu都xiān先hòu後dé得le了bìng病， zhào照mù目qián前qíng情kuàng況kàn看lái

來， fǎ法guó國、 yì意dà大lì利děng等jīng經jì濟dà大guó國， dōu都rǎn染shàng上shāng傷

fēng風、 gǎn感mào冒děng等zhèng症zhuàng狀， ér而qiě且bìng病zhēng徵yuè越lái來yuè越

míng明xiǎn顯。

xī希là臘de的zhài債tái台yǒu有duō多gāo高？

dá答 àn案shì是： rú如tiān天kōng空yí一yàng樣gāo高。

jiǎ假rú如bǎ把xī希là臘de的zhài債kuǎn款huàn換chéng成xiàn現jīn金， lěi累jī積de的gāo高

dù度kě可yǐ以dào到dá達yuè月qiú球。

2009nián年shí時， xī希là臘guó國zhài債shì是qí其guó國mín民shēng生chǎn產zǒng總zhí值
GDP de的113%。

měi美guó國guó國zhài債shì是qí其guó國mín民shēng生chǎn產zǒng總zhí值GDP de的85%。

2009nián年， xī希là臘wèi為le了yìng應fù付jīn金róng融fēng風bào暴， guó國jiā家tí提

chū出de的cì刺jī激jīng經jì濟cuò措shī施， dǎo導zhì致zhèng政fǔ府fù負dān擔gèng更duō

多zhài債wù務。

nà那shí時hòu候， xī希là臘chǔ處zài在rén人kǒu口lǎo老huà化gāo高fēng峰shí時qī期，

kuān寬sōng鬆de的yī醫liáo療zhèng政cè策、 yōu優hòu厚de的tuì退xiū休fú福lì利， guó國

jiā家de的gōng公gòng共zhī支chū出bú不duàn斷pān攀shēng升。

lì例rú如： xī希là臘rén人mín民， 60 suì歲qián前tuì退xiū休， kě可lǐng領qǔ取quán全bù部

tuì退xiū休jīn金。

xī希là臘zhèng政fǔ府cái財zhèng政jì紀lǜ律bù不hǎo好， 2000 nián年qián前， guó國jiā家

de的chì赤zì字zǒng總 é 額， yǔ與shí實jì際kuī虧sǔn損de的shù數 é 額shǎo少bào報xǔ許

duō多。 hòu後lái來xī希là臘jiā加rù入ōu歐yuán元jīng經jì濟tǐ體xì系， jiè借zhài債de的

chéng成běn本biàn便yí宜， qiàn欠zhài債zǒng總 é 額， yīn因cǐ此měi每nián年bú不duàn斷

pān攀shēng升。

lìng另wài外， xī希là臘jīng經jì濟bú不gòu夠duō多yuán元huà化， gāo高dù度yī依lài賴

lǚ旅yóu遊、 mào貿yì易、 yùn運shū輸yè業； jīn金róng融hǎi海xiào嘯lái來lín臨， měi美

yuán元zhuǎn轉ruò弱， ōu歐yuán元zhuǎn轉qiáng強， yán嚴zhòng重dǎ打jī擊lǚ旅yóu遊

yè業。 xī希là臘fù負dān擔de的qiàn欠zhài債zhǐ只yǒu有bú不duàn斷zēng增jiā加。

ōu歐yuán元qū區de的jīng經jì濟， shùn順zhe著mù目qián前de的jǐng景kuàng況zǒu走xià下

qù去， ōu歐yuán元qū區wǎ瓦jiě解de的rì日zi子， yǐ已jīng經pò迫zài在méi眉jié睫。

yǒu有yì一xiē些jīng經jì濟fēn分xī析jiā家shuō說， quán全qiú球de的jīng經jì濟dòng動

lì力， zài在yǐ以hòu後de的rì日zi子lǐ裡， zhù注yì意lì力dōu都jí集zhōng中zài在zhōng中

guó國le了。

dàn但wǒ我què卻bú不rèn認wéi為shì是zhèng正què確wú無wù誤de的píng評lùn論。

yīn因wèi為jīn金róng融zāi災nàn難bō波jí及quán全shì世jiè界zhī之hòu後， zhōng中guó國

de的chū出kǒu口mào貿yì易biàn便huì會bēng崩kuì潰， zhōng中guó國jīng經jì濟de的

dòng動lì力， néng能gòu夠xiàng向qián前dòng動qǐ起lái來ma嗎？

nín您shì是fǒu否xiǎng想zhī知dào道， ōu歐yuán元zhài債wù務bào爆pò破hòu後， nà那

xiē些dì地qū區de的jīng經jì濟， huì會dé得dào到shí實jì際de的hǎo好chu處？

xià下qī期yù預gào告：

（ dì第wǔ五zhāng章） zài在ōu歐zhài債wēi危jī機zhōng中：

fǎ法guó國hé和dé德guó國de的nǔ努lì力huì會yǒu有xiào效de地jiě解jué決wèn問tí題ma嗎？

（Chapter 3）：Take appropriate action, is superior strategy.

Individual investors face complex international financial crisis, was forced to sit apart from the present, hope God save, the fact is there are ways to deal with.


Although you have missed out of the market opportunity, in order not to accept the immediate pain: that is, the loss of money before the tears, you are forced into the dilemma of a dead end, cannot move.


Government, banks, major companies in the current environment, can only choose but to wait, it is because the earth has no human beings, capable of handling such a large debt.


Those governments who control the financial power: when should take decisive action, do not know how to handle financial affairs, they are incapable, now you expect them, for you to earn money in the stock market, unless they are living inside the Aladdin's lamp, the Genie?


Because humans can think of to solve the financial crisis, human beings can do things properly handle the debt, have all been put on the desktop.


Global economy in trouble, one important reason: in the past two years, the U.S. government continues to print a lot of money, big business would prefer to leave cash in the bank vault or speculations in commodities, there is no investment in the production line, to create wealth and employment.


Bankruptcy of Lehman Brothers triggered a financial crisis, which brought about the terrible experience. In addition, the U.S. government officials to master the financial management, they do not have the experience to deal with financial disaster.


U.S. government officials misinterpreted, as long as a substantial increase in money supply, companies will be used to develop industry and commerce, create jobs and wealth creation.


U.S. Federal Reserve recently announced that the U.S. non-financial corporate cash holdings, more than two trillion U.S. dollars: Such as


1 Apple Computer Inc., has $ 75 billion in cash, they have readily available cash deposits, even more than the U.S. government.

2 Google held cash, $ 39 billion.


Two years ago, these big companies are willing to use cash, to expand the company's size, to strengthen research.


Not only promote economic growth, adding vitality to the economy, it can create long-term prosperity.


Unfortunately, the company has chosen to do nothing, every day, waiting for opportunities, they are actually very irresponsible.


However, the past few years, every industry is mired in economic recession, whether industrial or commercial, is operational difficulties, and poor investment sentiment extreme, therefore, investment decisions, is to be considered clear.


The wisdom of a business expansion, are subject to forecast future market conditions, has nothing to do with today's market conditions, factors to be considered is the market's current situation, coupled with the prospect of the next two years, can remain a competitive advantage.


I dare to believe, from now until October next year, the U.S. stock market will keep falling, the world's stock markets, comparing the current index will fall another 20% -30%.


From now on, taking advantage of the stock rises, sell the stock loss, to recover the cash, put the cash in the bank.


Remember, never had a moment later, returned to the stock market. Remember, wealth is not entered, the lack of patience people. Remember, honestly remember ah.


The fall of 2012, you can re-enter the stock market, prices have fallen by this time, and you will earn a profit. As the dollar or the euro, the fall of next year comes, will be depreciated.


2011 Christmas is coming, I wish you with the feelings of joy, through this year's Christmas.


If you have confidence in my analysis, then, next year you must be able to ride a carnival of Christmas. Do not forget to mail a Christmas card to me. Ha! Ha! Ha!


Santa Claus is coming!



Next Issue:

（Chapter 4）：Next Issue:
（Chapter 4）：Greece has set foot on the road of bankruptcy, the euro depreciated, just around the corner.

（ dì第sān三zhāng章） ： cǎi採qǔ取shì適dàng當xíng行dòng動， shì是shàng上

děng等cè策lüè略。 fǒu否zé則， nín您jiāng將huì會hòu後huǐ悔mò莫jí及。

gè個rén人tóu投zī資zhě者miàn面duì對fù複zá雜de的guó國jì際jīn金róng融wēi危jī機，

chú除le了mù目qián前bèi被pò迫zuò坐xià下lái來， wàng望shàng上tiān天zhěng拯jiù救

zhī之wài外， qí其shí實shì是yǒu有yìng應duì對bàn辦fǎ法de的。


suī雖rán然nín您yǐ已jīng經cuò錯shī失le了tuì退chū出shì市chǎng場de的liáng良jī機，

wèi為le了bù不xiǎng想jiē接shòu受jí即shí時de的tòng痛chǔ楚： nà那jiù就shì是yǎn眼

lèi淚qián前de的jīn金qián錢sǔn損shī失， nín您bèi被pò迫xiàn陷rù入le了jìn進tuì退

wéi維gǔ谷de的sǐ死hú胡tòng同， dòng動tan彈bù不néng能。

zhèng政fǔ府、 yín銀háng行、 gè各dà大qǐ企yè業zài在mù目qián前de的huán環jìng境

xià下， dōu都zhǐ只néng能xuǎn選zé擇děng等dài待， nà那shì是yīn因wèi為dì地qiú球

shàng上， yǐ已jīng經méi沒yǒu有rén人lèi類， néng能chǔ處lǐ理rú如cǐ此páng龐dà大

de的zhài債wù務。 nà那xiē些zài在gè各guó國zhèng政fǔ府zhǎng掌wò握jīn金róng融

quán權lì力de的rén人： dāng當yīng應gāi該cǎi採qǔ取guǒ果duàn斷xíng行dòng動de的

shí時hòu候， bù不dǒng懂dé得chǔ處lǐ理jīn金róng融shì事wù務， tā他men們dōu都

shì是wú無néng能lì力de的rén人， xiàn現zài在nǐ你zhǐ指wàng望tā他men， tì替nín您

zài在gǔ股piào票shì市chǎng場shàng上zhuàn賺huí回jīn金qián錢， chú除fēi非tā他men們

shì是jū居zhù住zài在ā阿lā拉dīng丁shén神dēng燈lǐ裡miàn面de的， dēng燈shén神？

yīn因wèi為rén人lèi類néng能xiǎng想dào到de的jiě解jué決jīn金róng融wēi危jī機de的

bàn辦fǎ法， rén人lèi類néng能zuò做dào到tuǒ妥shàn善chǔ處lǐ理zhài債wù務de的shì事

qíng情， yǐ已jīng經quán全bù部bǎi擺shàng上zhuō桌miàn面le了。

huán環qiú球jīng經jì濟xiàn陷rù入kùn困jìng境， qí其zhōng中yí一gè個zhòng重yào要

yuán原yīn因： zài在guò過qù去liǎng兩nián年， měi美guó國zhèng政fǔ府bú不duàn斷

yìn印chū出dà大liàng量chāo鈔piào票， dà大qǐ企yè業nìng寧yuàn願bǎ把xiàn現jīn金

liú留zài在yín銀háng行de的bǎo保xiǎn險kù庫lǐ裡huò或chǎo炒mài賣shāng商pǐn品，

méi沒yǒu有tóu投zī資zài在shēng生chǎn產xiàn線shàng上， chuàng創zào造cái財fù富，

chuàng創zào造jiù就yè業。

léi雷màn曼xiōng兄dì弟pò破chǎn產， yǐn引fā發le了jīn金róng融fēng風bào暴， tā它

dài帶lái來le了rén人men們hěn很kě可pà怕de的jīng經lì歷。 cǐ此wài外， měi美guó國

zhèng政fǔ府zhǎng掌wò握jīn金róng融guǎn管lǐ理quán權de的guān官yuán員， tā他men們

méi沒yǒu有chǔ處lǐ理jīn金róng融zāi災nàn難de的jīng經yàn驗。 měi美guó國zhèng政

fǔ府guān官yuán員cuò錯wù誤lǐ理jiě解， zhǐ只yào要dà大liàng量zēng增jiā加chāo鈔piào票

de的gōng供yìng應， qǐ企yè業jiù就huì會yòng用lái來fā發zhǎn展gōng工yè業hé和shāng商

yè業， chuàng創zào造jiù就yè業， chuàn創zào造cái財fù富。

měi美guó國lián聯chǔ儲jú局zuì最jìn近gōng公bù佈， měi美guó國fēi非jīn金róng融qǐ企

yè業chí持yǒu有de的xiàn現jīn金， chāo超guò過èr二wàn萬yì億měi美yuán元：

lì例rú如：

1 píng蘋guǒ果diàn電nǎo腦gōng公sī司,yōng擁yǒu有xiàn現jīn金750 yì億měi美yuán元,

tā他men們yōng擁yǒu有kě可suí隨shí時dòng動yòng用de的xiàn現jīn金cún存kuǎn款,jìng竟

rán然bǐ比měi美guó國zhèng政fǔ府hái還yào要duō多。

2 Google chí持yǒu有de的xiàn現jīn金， yě也yǒu有 390 yì億měi美yuán元。

èr二nián年zhī之qián前， zhè這xiē些dà大gōng公sī司， yuàn願yì意lì利yòng用xiàn現

jīn金， kuò擴chōng充gōng公sī司de的guī規mó模、 jiā加qiáng強kē科yán研。 bú不dàn但

néng能dài帶dòng動jīng經jì濟zēng增zhǎng長， lìng令jīng經jì濟zēng增tiān添huó活lì力，

yě也kě可yǐ以zhì製zào造cháng長qī期fán繁róng榮， kě可xī惜de的shì是，qǐ企yè業què卻

xuǎn選zé擇shén甚me麼yě也bú不zuò做， tiān天tiān天dōu都shì是děng等dài待jī機huì會

lái來lín臨， tā他men們shí實jì際shàng上shì是hěn很bú不fù負zé責rèn任de的。

bú不guò過， zhè這jǐ幾nián年yǐ以lái來， měi每yí一gè個hang 行yè業， dōu都xiàn陷rù入

shè社huì會jīng經jì濟shuāi衰tuì退， bú不lùn論gōng工yè業huò或shāng商yè業， dōu都

jīng經yíng營kùn困nan難， tóu投zī資qì氣fēn氛yòu又chā差dào到jí極diǎn點， yīn因cǐ此，

tóu投zī資de的jué決dìng定， shì是xū須yào要kǎo考lǜ慮qīng清chǔ楚。

yì一jiān間qǐ企yè業kuò擴chōng充míng明zhì智yǔ與fǒu否， shì是huì會shòu受dào到rì日

hòu後shì市chǎng場qíng情kuàng況de的yù預cè測， yǔ與jīn今shí時jīn今rì日de的shì市

kuàng況wú無guān關， gōng公sī司kǎo考lǜ慮de的yīn因sù素shì是shì市chǎng場xiàn現

kuàng況， jiā加shàng上wèi未lái來liǎng兩nián年de的qián前jǐng景， néng能fǒu否yī依

rán然zhàn佔jù據jìng競zhēng爭yōu優shì勢。

wǒ我gǎn敢yú於xiāng相xìn信， yóu由xiàn現zài在kāi開shǐ始， zhí直dào到míng明nián年

10 yuè月， měi美guó國gǔ股shì市zhǐ只huì會bú不duàn斷xià下diē跌， quán全shì世jiè界

de的gǔ股shì市， bǐ比jiào較xiàn現zài在de的zhǐ指shù數， zài再huī會xià下diē跌

20%-30%。

cóng從xiàn現zài在kāi開shǐ始， chèn趁zhe着gǔ股piào票shàng上shēng昇shí時，

mài賣chū出kuī虧sǔn損de的gǔ股piào票， shōu收huí回xiàn現jīn金hòu後， bǎ把xiàn現

jīn金fàng放zài在yín銀háng行。

jì記zhù住， qiè切wù勿guò過le了bù不duō多jiǔ久， chóng重xīn新fǎn返huí回gǔ股piào票

shì市chǎng場。

qǐng請jǐn緊jì記， cái財fù富shì是bú不huì會jìn進rù入， quē缺fá乏nài耐xìng性de的

rén人。 jì記zhù住、 qiè切qiè切jì記de得zhù住a啊。

2011 nián年de的shèng聖dàn誕jié節kuài快dào到le了， yuàn願nín您huái懷zhe着huān歡

xīn欣de的xīn心qíng情， dù渡guò過jīn今nián年de的shèng聖dàn誕jié節。

jiǎ假rú如nín您duì對wǒ我de的fēn分xī析yǒu有xìn信xīn心de的huà話， míng明nián年

nín您yí一dìng定kě可yǐ以dù渡guò過yí一gè個kuáng狂huān歡de的shèng聖dàn誕jié節。

bié別wàng忘jì記diàn電yóu郵yì一zhāng張shèng聖dàn誕jī咭gěi給wǒ我。

hā哈！ hā哈！ hā哈！

shèng聖dàn誕lǎo老rén人lái來le了！

下期預告：

（第四章）希臘已經踏上破產路上，歐元大幅貶值，指日可待。

（Chapter 2）Investment loss, cannot let all the way to increase the loss.

（Chapter 2）Investment loss, cannot let all the way to increase the loss.

From 2011 global stock market volatility since August, has been down 20% in this period, the steps that you deal with, is that correct?


If you are an investor, it should take the time to response strategies.

Stock market volatility, the conventional wisdom always in our minds says:


1 Do not act rashly.

2 Remain the same approach, to cope with the changing situation.

3 Before decided to take action; it is better wait and sees.



There are many people in the current financial crisis, investment strategy is always to take an "ostrich policy ".Only know how to bury in the sand.


In the last two months, the stock market continuing to decline, the negative news coming out constantly, daily newspapers, radio and television have a detailed analysis of the global economic environment, they believe that the situation is not good prospects for the stock market, most investors, cannot be unaware of the crisis.



But why they still choose to wait and see?

Are you still on most of the "ostrich" in the part?


Until today, you still did not leave the stock market, let me tell you bluntly: You are waiting in the subconscious; you are aimlessly waiting for something to happen before taking action,
You expect the money invested into the stock market, one day, and finally one day, back home.


Here I am not an alarmist.


First you ask yourself, do you think the current problems in international financial markets "money fraud games" Will keep it running, but the scene is more frightening than the other screen?


1 Europe's debt difficulties,
Is there a complete solution?


2 U.S. Treasury bonds, now constantly progressive rise,
How long to wait days to re-balance?


If your answer is positive, then your investment is to have the opportunity to safely return to your pocket.

If your answer is uncertain, then you have to take a look at my following analysis.



In our daily life, when faced with the problem cannot be resolved, we would choose to wait, but the frustration of waiting, often make the problem worse, because to do so, people just push the problem back, until one day, reaching cannot pick up the point.



However, why people choose to wait?
Because the wait is equal to the delay problem later, you can reduce the pain of facing reality.



As we all know, the wait will meet more difficult circumstances, why most investors are still waiting for the dawn?



You wait and see! Governments also delay the processing of problems, why the governments, can only delay the processing of hot problem? Because ？？？


（Chapter 3）：Take appropriate action, is superior strategy.
Otherwise, you will regret.




（ dì第èr二zhāng章） tóu投zī資kuī虧běn本le了， bù不néng能ràng讓sǔn損shī失yí一lù路
zēng增jiā加。

huán環qiú球gǔ股shì市cóng從2011nián年8yuè月qǐ起dà大fú幅bō波dòng動， zhì至jīn今

yǐ已xià下diē跌le了20%， zài在zhè這yí一duàn段qī期jiān間， nín您yìng應fù付de的

bù步zhòu驟， shì是zhèng正què確ma嗎？

jiǎ假rú如nín您shì是yì一míng名tóu投zī資zhě者， zhè這shì是yīng應gāi該cǎi採qǔ取

yìng應biàn變cè策lüè略de的shí時hòu候le了。

gǔ股shì市de的dà大fú幅bō波dòng動， chuán傳tǒng統zhì智huì慧zǒng總zài在wǒ我

men們nǎo腦hǎi海gào告sù訴zì自jǐ己：

1「 bú不yào要suí隨biàn便qīng輕jǔ舉wàng妄dòng動」

2 wéi維chí持bú不biàn變de的bàn辦fǎ法， yìng應fù付bú不duàn斷biàn變huà化de的jú局
miàn面

3 cǎi採qǔ取xíng行dòng動zhī之qián前， bù不rú如jìng靜guān觀qí其biàn變

yǒu有hěn很duō多rén人zài在mù目qián前de的jīn金róng融wēi危jī機zhōng中， tóu投zī資

de的cè策lüè略zǒng總shì是cǎi採qǔ取「 tuó駝niǎo鳥zhèng政cè策」 。

zhǐ只dǒng懂dé得mái埋zài在shā沙duī堆。

zài在zuì最jìn近zhè這liǎng兩gè個yuè月lǐ裏， gǔ股shì市bú不duàn斷xià下diē跌， fù負

miàn面de的xiāo消xī息bú不duàn斷chuán傳chū出lái來， měi每tiān天bào報zhāng章、 diàn電

tái台、 diàn電shì視dōu都xiáng詳xì細fēn分xī析huán環qiú球jīng經jì濟huán環jìng境， tā他

men們dōu都rèn認wéi為， gǔ股shì市qián前jǐng景xíng形shì勢bú不miào妙， dà大bù部fèn份

de的tóu投zī資zhě者， bù不kě可néng能méi沒yǒu有yì意shí識dào到wēi危jī機。

dàn但shì是， wèi為shén甚me麼tā他men們hái還shì是xuǎn選zé擇zài在guān觀wàng望

zhōng中？

nín您shì是fǒu否hái還shì是zhàn站zài在dà大duō多shù數de的「 tuó駝niǎo」 zhōng中de的

yí一fèn份zi子？

zhí直dào到jīn今shí時jīn今rì日， nín您hái還shì是méi沒yǒu有lí離kāi開gǔ股piào票

shì市chǎng場， ràng讓wǒ我bú不kè客qì氣de的gào告sù訴nín您：

nǐ你zài在qián潛yì意shí識zhōng中shì是zài在děng等dài待， nǐ你zhèng正zài在màn漫wú無

mù目dì的de地děng等dài待yì一xiē些shì事qíng情fā發shēng生hòu後， cái才cǎi採qǔ取

xíng行dòng動， nín您shē奢wàng望tóu投zī資jìn進rù入gǔ股piào票shì市chǎng場de的jīn金

qián錢， zhōng終yǒu有yì一tiān天， zhōng終huì會yǒu有yì一tiān天， huí回dào到jiā家lǐ裏。

zài在zhè這lǐ裏wǒ我bìng並fēi非wēi危yán言sǒng聳tīng聽。

shǒu首xiān先nín您wèn問yí一wèn問zì自jǐ己， nǐ你rèn認wéi為mù目qián前kùn困rǎo擾

guó國jì際jīn金róng融shì市chǎng場de的「 jīn金qián錢qī欺zhà詐yóu遊xì戲」 ， shì是

fǒu否huì會bú不duàn斷yǎn演xià下qù去， ér而qiě且yí一mù幕bǐ比lìng另yí一mù幕gèng更

lìng令rén人dǎn膽zhàn戰xīn心jīng驚？


1 ōu歐zhōu洲gè各guó國de的zhài債wù務nán難guān關， jiū究jìng竟yǒu有méi沒yǒu 有

chè徹dǐ底de的jiě解jué決bàn辦fǎ法？

2 měi美guó國guó國zhài債， mù目qián前bú不duàn斷lěi累jìn進shàng上shēng升hòu後，

yào要děng等dài待duō多cháng長rì日zi子， cái才néng能chóng重xīn新dá達dào到píng平héng

衡？

jiǎ假rú如nín您de的dá答àn案shì是lè樂guān觀de的huà話， nà那me麼nín您de的tóu投

zī資shì是yǒu有jī機huì會ān安quán全dì地chóng重huí回nín您de的kǒu口dài袋。

jiǎ假rú如nín您de的dá答àn案shì是bú不què確dìng定de的huà話， nà那me麼， nín您biàn便

yào要kàn看yí一kàn看， wǒ我yǐ以xià下de的fēn分xī析。

nín您zài在guān觀wàng望！

gè各guó國zhèng政fǔ府yě也zài在tuō拖yán延chǔ處lǐ理nán難tí題， wèi為shén甚me麼gè各

guó國zhèng政fǔ府， dōu都zhǐ只néng能tuō拖yán延chǔ處lǐ理jí棘shǒu手de的nán難tí題？

jì既rán然dà大jiā家zhī知dào道， děng等dài待huì會yù遇jiàn見gèng更duō多de的kùn困

nan難jìng境kuàng況， wèi為shén甚me麼dà大bù部fèn份tóu投zī資zhě者hái還zài在děng等

dài待lí黎míng明？

wǒ我men們rì日cháng常zài在shēng生huó活shàng上， dāng當yù遇dào到jiě解jué決bù不

liǎo了de的nán難tí題， dū都huì會xuǎn選zé擇děng等dài待， dàn但shì是zhè這zhǒng種

wú無nài奈de的děng等dài待， wǎng往wǎng往huì會shǐ使wèn問tí題è惡huà化， yīn因wèi為

zhè這yàng樣zuò做de的huà話， rén人men們zhǐ只shì是bǎ把nán難tí題wǎng往hòu後tuī推，

zhí直dào到yǒu有yì一tiān天， dá達dào到le了wú無fǎ法shōu收shi拾de的dì地bù步。

dàn但shì是， rén人men們wèi為shén甚me麼xuǎn選zé擇děng等dài待？ yīn因wèi為děng等

dài， děng等yú於bǎ把nán難tí題wǎng往hòu後tuī推yán延， kě可yǐ以jiǎn減qīng輕miàn面

duì對xiàn現shí實de的tòng痛kǔ苦。

（ dì第sān三zhāng章） ： cǎi採qǔ取shì適dàng當xíng行dòng動，shì是shàng上děng等

cè策lüè略。 fǒu否zé則， nín您jiāng將huì會hòu後huǐ悔mò莫jí及。


（第三章）：採取適當行動，是上等策略。

否則，您將會後悔莫及。

（Chapter 1）Bloomberg is the development of the Kingdom of unlimited business.

（Chapter 6）John. Paulson acknowledged wrong investment to customers. Behind the apology, we see what are the implications?Bloomberg is the world's pioneer business model; its success factor is our role model.

They successfully established the world's best business model; it has three conditions of that?

When we set up our own business, when these three conditions must be it?

Bloomberg can successfully build a strong business model, its secret is:

1. At the lowest cost, duplication of the product or service, create a new branch of the individual.

Each individual to establish a branch, because the former are based on the model: they are just repeating the "product or service" re-established.

Therefore, the expansion of the scale, they do not have to invest new money, invested in new human resources, but within budget, however, Can definitely maintain service quality.

As Bloomberg three most important assets is:

a. "Financial Information"

b. "A large range of financial products, computer analysis."

c. " Financial products trading program"

Bloomberg customers, every individual, are "subscribers", Bloomberg customers to order service, a "subscriber" to follow a financial information unit, fit together.

These "intellectual property" asset investments, all in the pre-investment, have paid the costs.

In other words, for example: a large organization, install one hundred financial information unit, Bloomberg will be with you to create one hundred "subscribers" to calculate the charges.

And no discount too!

2 Bloomberg's fees not only cash transactions, and is pre-paid fees:


When we founded the investment business.

Should carefully consider the investment undertaking, must be the same as Bloomberg, the cost of the expansion, can be controlled or limited to low to invest.

When we create the cause, should be "cash" and "advance fee" is the most get on with it.


3 Bloomberg's new "subscribers" of the cost, is very limited, but the "economic benefit" is straight up.

It provides to the "customer" is a "password" only.

Bloomberg added each a "subscriber" of the costs, but holds all of the existing 300,000 "subscribers", the minimal percentage.

In other words, Bloomberg and more to increase a customer, with more than one hundred clients increase, the increasing costs are very limited. However, the benefits are very rich.
When you create business for yourself, may wish to consider the Bloomberg success.



dì第yī一jí輯：
péng彭bó博shì是fā發zhǎn展wú無xiàn限de的shāng商yè業wáng王

guó國，péng彭bó博shì是quán全shì世jiè界chuàng創yè業tuò拓huāng荒zhě者de的

diǎn典fàn範， tā它de的chéng成gōng功yīn因sù素， shì是wǒ我men們xué學xí習de的

bǎng榜yàng樣。 tā他men們néng能gòu夠chéng成gōng功de地jiàn建lì立qiáng強dà大

de的shāng商yè業mó模shì式， tā它de的mì秘jué訣jiù就shì是：

1. néng能yǐ以zuì最dī低de的chéng成běn本， chóng重fù複bǎ把chǎn產pǐn品huò或

zhě者fú服wù務， jiàn建lì立xīn新de的fēn分zhī支gè個tǐ體。 měi每cì次jiàn建

lì立fēn分zhī支gè個tǐ體， yóu由yú於dōu都shì是gēn根jù據qián前zhě者de的

mó模shì式： tā他men們zhǐ只shì是chóng重fù複bǎ把「 chǎn產pǐn品huò或zhě者

fú服wù務」 zài再cì次jiàn建lì立。 yīn因cǐ此， kuò擴zhāng張guī規mó模zhī之

hòu後， bú不bì必tóu投rù入xīn新de的zī資jīn金， ér而tóu投rù入xīn新de的

rén人lì力zī資yuán源fāng方miàn面， què卻zài在yù預suàn算zhī之nèi內，

dàn但shì是， néng能gòu夠jué絕duì對bǎo保chí持fú服wù務zhì質sù素。

yóu由yú於「 péng彭bó博zī資xùn訊」 sān三xiàng項zuì最zhòng重yào要de的zī資

chǎn產shì是：
a.「 cái財jīng經zī資xùn訊」

b.「 yí一xì系liè列de的cái財jīng經chǎn產pǐn品de的diàn電nǎo腦fēn分xī析」

c.「 cái財jīng經chǎn產pǐn品mǎi買mài賣chéng程shì式」

zhè這xiē些「 zhī知shi識chǎn產quán權」 zī資chǎn產de的tóu投zī資， quán全bù部

dōu都zài在qián前qī期de的tóu投zī資zhōng中， yǐ已jīng經fù付chū出le了chéng成

běn本。 péng彭bó博de的kè客hù戶， měi每yì一míng名gè個tǐ體， dōu都shì是

「 dìng訂hù戶」 ， kè客hù戶xiàng向péng彭bó博dìng訂gòu購fú服wù務， yì一

míng名「 dìng訂hù戶」 gēn跟suí隨yí一bù部cái財jīng經zī資xùn訊jī機， pèi配

hé合zài在yì一qǐ起。 huàn換yán言zhī之， lì例rú如： páng龐dà大de的jī機gòu構，

ān安zhuāng裝yì一bǎi百bù部cái財jīng經zī資xùn訊jī機， péng彭bó博biàn便gēn跟

nín您jiàn建lì立yì一bǎi百gè個「 dìng訂hù戶」 lái來jì計suàn算shōu收fèi費。

ér而qiě且méi沒yǒu有rèn任hé何zhé折kòu扣ne呢！

dāng當wǒ我men們tóu投zī資chuàng創bàn辦shì事yè業， yīng應dāng當shèn慎

zhòng重kǎo考lǜ慮， tóu投zī資de的shì事yè業， bì必xū須yào要xiàng像péng彭

bó博yí一yàng樣， bǎ把kuò擴zhāng張de的chéng成běn本， jú局xiàn限zài在kě可

kòng控zhì制huò或piān偏dī低dì地tóu投rù入zī資jīn金。



2. péng彭bó博de的shōu收fèi費bú不dàn但shì是xiàn現jīn金jiāo交yì易， ér而qiě

且shì是yù預fù付shōu收fèi費：dāng當wǒ我men們chuàng創lì立shì事yè業，

yīng應gāi該yǐ以「 xiàn現jīn金jiāo交yì易」 jí及「 yù預fù付shōu收fèi費」

zuì最wéi為shàng上suàn算。



3. péng彭bó博tí提gōng供de的xīn新zēng增「 dìng訂hù戶」 ， xū需yào要de的

chéng成běn本， fēi非cháng常yǒu有xiàn限， dàn但shì是「 jīng經jì濟shōu收

yì益」 què卻zhí直xiàn線shàng上shēng昇。 tā它tí提gōng供gěi給「 kè客hù戶」

zhǐ只shì是yí一gè個「 password」 ér而yǐ已。

péng彭bó博měi每xīn新zēng增yì一míng名「 dìng訂hù戶」 de的chéng成

běn本zhī支chū出， zhǐ只shì是zhàn佔yǒu有quán全bù部xiàn現yǒu有30wàn萬

「 dìng訂hù戶」 zhōng中， jí極shǎo少bǎi百fēn分bǐ比。 huàn換yán言zhī之，

péng彭bó博duō多zēng增jiā加yì一míng名kè客hù戶， yǔ與duō多zēng增jiā加

yì一bǎi百míng名kè客hù戶， suǒ所zēng增de的chéng成běn本dōu都fēi非cháng

常yǒu有xiàn限。 dàn但shì是， shōu收yì益què卻fēi非cháng常fēng豐fù富。

dāng當nín您zài在chuàng創lì立shì事yè業shí時， bù不fáng妨kǎo考lǜ慮péng彭bó博chéng成gōng功de的mì秘jué訣。

（24）Learning Chinese Language by means of English

Term24 詞語解釋

Interpretation of terms

1
shì mù yǐ dài

（拭）目以待

Wait one thing to achieve.



cā liàng yǎn jīng， děng dài shì shí de chū xiàn。

擦亮眼睛，等待事實的出現。

Keep eyes open, waiting for the facts appear.



yīn qiè qī dài zhe， mǒu zhǒng qíng kuàng jiāng huì chū xiàn。

殷切期待着，某種情況將會出現。

Sincerely look forward to, a situation will arise.



2

kǔ kǒu pó xīn

（苦）口婆心

Good words persuade


kěn qiè、 nài xīn， shàn yì de zài sān xiàng duì shǒu quàn jiě。

懇切、耐心，善意地再三向對手勸解。

Sincere、patient、good faith again and again to persuade the opponent.



3

ruò jí ruò lí

（若）即若離

Seems close, and sometimes does not seem close.



hǎo xiàng yǐ jīng kào jìn， yòu hǎo xiàng lí kāi le。

好像已經靠近，又好像離開了。

Seems to have close, it would seem to leave.



shuāng fāng hǎo xiàng bǐ cǐ bǎo chí jì yǒu lián jì，

qí shí bǐ cǐ yòu bǎo chí zhe de yí dìng jù lí。

雙方好像彼此保持既有聯繫，其實彼此又保持着的一定距離。

Both sides to maintain contact with each other as if, in fact, each has maintained a certain distance.



4

hú yán luàn yǔ

（胡）言亂語

Speak no logical basis.



fā biǎo háo wú shì shí gēn jù de jiàn jiě。

發表毫無事實根據的見解。

Post unfounded opinions.



5

chuí xián sān chǐ

（垂）涎三尺

Mouth-watering



měi dāng kàn jiàn yǒu shí wù chū xiàn yǎn qián ，

kǒu xián hǎo xiàng jiāng yào liū chū zuǐ biān，

hěn xiǎng bǎ suǒ yǒu shí wù quán bù chī diào。

每當看見有食物出現眼前，口涎好像將要溜出嘴邊，很想把所有食物全部吃掉。

Whenever seeing a food appears before eyes,

Saliva seems to be slipped out of mouth wanted to eat all the food .




6

wú dòng yú zhōng

無動於（衷）

No matter what the external environment is the case, the heart that is not moved?




duì yú yǎn qián de yí qiè bù hé lǐ de shì qíng ，

nèi xīn yì diǎn fǎn yìng yě méi yǒu。

對於眼前的一切不合理的事情，內心一點反應也沒有。

For all the irrational things in front of, the heart no response.



7

diāo bì

（凋）敝

Living in hardship situations.




shì yè quán bù shī bài、

rì cháng shēng huó zài kùn kǔ zhōng 。

事業全部失敗、日常生活在困苦中。

Cause a total failure, everyday life in poverty and hardship.



8

míng sī kǔ xiǎng

（冥）思苦想

Lost in thought.



chén sī kǔ xiǎng， bú duàn xiǎng bàn fǎ jiě jué nán tí。

沉思苦想，不斷想辦法解決難題。

Meditation hard to constantly think of ways to solve problems.



9

yuān jiā lù zhǎi

（冤）家路窄

People, who do not want to meet with each other, but happen to meet.




suī rán duì fāng wèi zì jǐ jīng cháng dài lái kǔ nǎo，

dàn shì yòu shě bù dé gēn duì fāng fēn lí。

雖然對方為自己經常帶來苦惱，但是又捨不得跟對方分離。

While the other side often bring their own distress,

But they could not bear the separation with each other.




10

bǔ fēng zhuō yǐng

（捕）風捉影

Capture the wind and shadow together.



chǔ lǐ shì qíng， zhǐ píng jiè sì shì ér fēi de jì xiàng zuò pàn duàn ，

quē fá què záo de shì shí zhī chí。

處理事情，只憑藉似是而非的跡象做判斷，缺乏確鑿的事實支持。

To deal with things, only to do with signs of paradoxical judgments,

The lack of hard facts to support.

（23）Learning Chinese Language by means of English

編號

Term23

詞語解釋

Interpretation of terms



1
lián mèi

連（袂）

Hand in hand, to come together or leave together.



liǎng míng gē shǒu， lián mèi dēng tái yǎn chàng。

兩名歌手，連袂登台演唱。

Two singers, singing on stage together.



mèi ：yī fu de xiù zi。

袂：衣服的袖子。

The sleeves.



qí tā yòng fǎ

其他用法：

Other usage:



lián mèi jié bàn

聯袂：（結伴）。

Go hand in hand.


2


pī shuāng

（砒）霜

Manufacture of pesticides or drugs used to kill rats.



yì zhǒng wú jī huà hé wù， dú xìng hěn qiáng dà， kě yòng lái zhì zào shā chóng jì。

一種無機化合物，毒性很強大，可用來製造殺蟲劑。

An inorganic compound, toxicity is very strong, used to make pesticides.



3

dān dān

（眈眈）

Fierce eyes watching.



yǎn jīng zhù shì zhe， yòng yǎn jīng zhù yì de kàn， lù chū xiōng è de mù guāng。

眼睛注視着，用眼睛注意地看，露出凶惡的目光。

Eyes watching pay attention to see with eyes, exposing evil eyes.




4
qī wǔ

欺（侮）

Bullying opponents.



yòng mán hèng wú lǐ de shǒu duàn ，shāng hài bié rén。

用蠻橫無理的手段，傷害別人。

With the outrageous means, hurt others.




5


yòu yú chéng jiàn

（囿）於成見

Handle things, limited to fixed views.



chǔ lǐ shì qíng shí， jú xiàn yú gù dìng bú biàn de kàn fǎ。

處理事情時，局限於固定不變的看法。

Handle things, because of practical limitations of the situation.



9


（迎）刃而解

All problems solved.

shǐ yòng dāo zi pī zhú zi， zhú zi pī kāi le kǒu， zhú zi xià miàn de yí duàn ，jiù huì yíng zhe dāo kǒu ，zì dòng liè kāi。

使用刀子劈竹子，竹子劈開了口，竹子下面的一段，就會迎着刀口，自動裂開。

Use a knife split bamboo, bamboo split spoke, following a period of bamboo will greet the blade, automatically split.



zhǔ yào de nán tí jiě jué le， qí tā cì yào de wèn tí ，kě yǐ hěn róng yì dé dào chù lǐ。

主要的難題解決了，其他次要的問題，可以很容易得到處理。

The main problem to solve and other minor problems can easily be processed.



7


guī yī

（皈）依

Buddhist church ceremony.



qián chéng de xìn fèng fó jiào。

虔誠地信奉佛教。

Devoutly Buddhist.



cān jiā rèn hé zōng jiào zǔ zhī dōu kě chēng wéi guī yī

參加任何宗教組織，都可稱為皈依。

Participate in any religious organization, can be referred to as conversion.




8


pā zài dì shàng

（趴）在地上

Chest and abdomen down to lie down.



shēn tǐ xiàng qián， kào zài wù tǐ shàng。

身體向前，靠在物體上。

The body forward, leaning against the object.



9

zǒu mǎ huàn jiāng

走馬換將

Replace the leadership of generals.



xiàn zài de lǐng dǎo bān zi zǒu mǎ huàn jiāng hòu， gōng zuò chéng xiào yǒu le qǐ sè。

現在的領導班子走馬換將後，工作成效有了起色。

Now after the leadership change will be cursory, with improvement in effectiveness.



10


yào（xié）

要（挾）

Forced out the other side agreed to his conditions.



lì yòng duì fāng de duǎn chù， xié pò duì shǒu mǎn zú zì jǐ de yāo qiú。

利用對方的短處，脅迫對手滿足自己的要求。

Use the other's weaknesses, threats opponents to meet their own requirements.

（22）Learning Chinese Language by means of English

Term22

詞語解釋

Interpretation of terms



1


xiāo hào dài jìn

消耗（殆）盡

The opponent's power consumption was erased all




jīng shén、 lì liang、 wù zhì děng， yīn wèi shǐ yòng guò
duō suǒ yǐ néng liàng jiàn jiàn jiǎn ruò。

精神、力量、物質等，因為使用過多所以能量漸漸減弱。

Spirit, strength, material, etc., because it uses too much energy is gradually reduced.



2


lǎo shào xián yí

老少（咸）宜

All are suitable for the elderly and young people



bú lùn rèn hé nián líng jiē céng ，quán bù dōu hé shì。

不論任何年齡階層，全部都合適。

Regardless of any age class, all right.



3


chéng qián bì hòu

懲前（毖）後

The previous error, as the lessons, he would not again make the mistake of the same fault.



xī shōu guò qù shī bài de jiào xùn， yǐ hòu xiǎo xīn， bú zhì zhòng fàn cuò wù。

吸收過去失敗的教訓，以後小心，不致重犯錯誤。

Absorb the lessons of past failures, after careful not to re-make mistakes.




Bì： jǐn shèn、 xiǎo xīn。

毖：謹慎、小心。

Cautious, careful.




4


yì sī bù gǒu

一絲不（苟）

Not a bit sloppy, casual.



bàn shì rèn zhēn， lián zuì xì wēi de dì fāng yě bù mǎ hǔ。

辦事認真，連最細微的地方也不馬虎。

Conscientious, even the most minor areas not sloppy.




gǒu： suí biàn 、mǎ hǔ。


茍： 隨便、馬虎。

Casual, careless.



5


huā （bāo）

花（苞）

Flowers about to open, the flowers wrapped in a small blade.



huā duǒ hái méi yǒu kāi fàng qián， bāo zhù huā duǒ de xiǎo yè piàn。

花朵還沒有開放前，包住花朵的小葉片。

Flowers not opening up, flowers surround a small blade.




6


zhuó zhuàng

（茁）壯

Strong, robust



nián qīng rén、 hái zi 、dòng wù 、zhí wù děng， shēng zhǎng dé yuè lái yuè qiáng jiàn。

年輕人、孩子、動物、植物等，生長得越來越強健。

Young people, children, animals, plants, grow more and more strong.




7


zhāo rán ruò jiē

（昭）然若揭

The results have obvious meaning.



xíng róng zhēn xiàng dà bái， shì qíng de jiē guǒ wán quán xiǎn lù chū lái。

形容真相大白，事情的結果完全顯露出來。

Describe the truth, the result of something completely exposed.




8


dǐ chù fǎ lǜ

（牴）觸法律

Inconsistent with the law.



gè rén de lì yì yǔ fǎ lǜ de guī dìng， bǐ cǐ yǒu máo dùn。

個人的利益與法律的規定，彼此有矛盾。

Personal interests and the law, in contradiction to each other.



9


jùn yàn

俊（彥）

Looks handsome, good-looking.



yǒu bàn shì néng lì de rén， dào dé xíng wéi gāo shàng de rén。

有辦事能力的人，道德行為高尚的人。

People who have competence, ethical conduct and noble people.




10


chuāng bā

瘡（疤）

Sores or wounds healed, leaving scars.



xiàn dài yòng fǎ shì ：zhǐ bǐ yù tòng chù、 duǎn chù huò sī yǐn。

現代用法是指：比喻痛處、短處或私隱。

Modern usage is: Weaknesses of individual or personal privacy.

Learning Chinese Language by means of English （21）

Term21

詞語解釋

Interpretation of terms


1

dài màn kè rén

（怠）慢客人

Greet customers without dedicated.



zhāo hū kè rén de tài du ，xiǎn de lěng mò、 lìng kè rén hěn bù mǎn yì de yì si。

招呼客人的態度，顯得冷漠、令客人很不滿意的意思。

Attitude greet customers, it is cold, meaning that guests are not satisfied.



2


bì yòu

（庇佑）

Blessing



mí xìn de rén，què xìn yǒu shén líng àn zhōng bǎo hù zì jǐ。

迷信的人，確信有神靈暗中保護自己。

Superstitious people convinced that there were spirits in secret to protect themselves.



3


qiān li tiáo tiáo

千里（迢迢）

Very distant road



xíng róng lù tú fēi cháng yáo yuǎn，xū yào hěn cháng de shí jiān cái néng zǒu wán。

形容路途非常遙遠，需要很長的時間才能走完。

Describe the road very far away; it takes a long time to finish.



4


diàn wū míng shēng

（玷）污名聲

Damage to reputation



duō yòng zuò bǐ yù jù zi。lì rú：bài huài míng yù。

多用作比喻句子。例如：敗壞名譽。

More uses as a metaphor sentence. For example: corrupt reputation.



5

hǔ pò

（琥珀）

Amber




gǔ dài sōng bǎi shù zhī ，iàn luò rù de dǐ，xíng chéng le huà shí，kě zuò xiāng liào、zhōng yào hé zhuāng shì pǐn。

古代松柏樹脂，陷落入地底，形成了化石，可作香料、中藥和裝飾品。

Resin of ancient pine and cypress, fall into the ground, forming a fossil, can be used for spices, Chinese medicines and ornaments.




6


dài mào

（玳瑁）

Hawksbill



pá xíng dòng wù，wài xíng xiàng guī。

爬行動物，外形像龜。

Reptiles, looks like a turtle.



7


líng jiù

靈（柩）

Coffin



zhuāng yǒu sǐ rén de guān cái。

裝有死人的棺材。

The coffin with the dead.



8


qǐng jiǎn

請（柬）

Invitation card



xìn jiàn、yāo qǐng kè rén de tiě zi。

信件、邀請客人的帖子。

Letter, inviting guest posts.



9


yāng jí chí yú

（殃）及池魚

After the event, implicated in a number of outsiders.



shì qíng fā shēng hòu，yì xiē bèi wú gū shòu qiān lián ér zāo shòu sǔn shī de rén。

事情發生後，一些被無辜受牽連而遭受損失的人。

After the event, some of the innocent victims who have suffered losses involved.



10


bào tiǎn tiān wù

暴（殄）天物

Waste of useful items



Tiǎn：miè jué。

殄：滅絕。

Exterminate: extinction.




zài zì rán jiè shēng cún de què niǎo、zǒu shòu、cǎo mù děng。

在自然界生存的雀鳥、走獸、草木等。

Survive in nature, birds, animals, vegetation and so on.

（10）Learning Chinese Language and Modern popular Chinese idioms by means of English

中國成語

Modern popular Chinese idioms

現代通用中國成語解譯

Common interpretation of modern Chinese idioms （10）
1.

（wéi） （wéi） nuò nuò

（唯）（唯）諾諾

Repeatedly promised, noncommittal



gōng shùn de yī cóng bié rén de yàng zi。

恭順地依從別人的樣子。

Deferential to follow someone else's way




lián shēng dā ying huò biǎo shì tóng yì

連聲答應或表示同意。

Repeatedly promised or agreed.



xíng róng méi yǒu zì jǐ de jiàn jiě zhǐ zhī shùn cóng
bié rén。

形容沒有自己的見解，只知順從別人。

Describe not have their own opinion; only know how to obey others.



2.

wǔ tǐ （ tóu ） de

五體（投）地

A most sincere Buddhist ritual



xíng lǐ shí tóu lú hé sì zhī jǐn tiē zhe dì
miàn。

行禮時，頭顱和四肢，緊貼着地面。

Salute, the head and limbs, close to the ground.



zhè zhǒng lǐ yí shì fó jiào zuì gōng jìng de lǐ jié。

這種禮儀是佛教最恭敬的禮節。

This ritual is the most respectful courtesy of Buddhism.



xíng róng zūn jìng、 pèi fú dá dào le zuì gāo jí xiàn。

形容尊敬、佩服達到了最高極限。

Describe the respect and admiration to the highest limit.



3.

shēng líng tú （tàn）

生靈塗（炭）

Describe the point of people trapped in extreme hardship



lǎo bǎi xìng shēng huó zài è liè huán jìng zhōng。

老百姓生活在惡劣環境中，

People living in the harsh environment,



hǎo xiàng xiàn zài ní lǐ、 huǒ lǐ、 xíng róng rén mín

shēng huó wàn fēn tòng kǔ。

好像陷在泥裏、火裏、形容人民生活萬分痛苦。

Seems stuck in the mud, fire, extremely painful to describe people's lives.



4.

wáng yáng bǔ láo

亡羊（補）牢

After the lost sheep, quickly repair the fence, still have time, not to let the sheep loss again



suī rán zuò shì qíng yǒu cuò wù， zhǐ yào jí

shí bǔ jiù ，sǔn shī hái shì kě yǐ chéng dān de。

雖然做事情有錯誤，只要及時補救，損失還是可以承擔的。

While doing things wrong, as long as timely remedy, loss can afford.



yě yòng lái bǐ yù， dài wèn tí dào le chū xiàn shí，

rán hòu qù xiǎng bàn fǎ bǔ jiù， nà jiù wēi shí tài wǎn le。

也用來比喻，待問題到了出現時，然後去想辦法補救，那就為時太晚了。

Also used to mean, after the problem to arise, and then think about ways to remedy, it is too late.



5.

wéi lì （ shì ） tú

唯利（是）圖

For the sake of money, any illegal things, will work it out.



wèi le tān tú jīn qián ，jiù suàn shì bú dào dé de shì

qíng ，dū huì zuò de chū lái。

為了貪圖金錢，就算是不道德的事情，都會做得出來。

For the sake of money, even immoral things will work it out.




xiàn jīn shè huì lǐ， yǒu xǔ duō tān xīn de rén： měi yí gè rén dōu wéi lì shì tú ，

jué duì méi yǒu dào dé kě yán。

現今社會裏，有許多貪心的人，每一個人都惟利是圖，絕對沒有道德可言。

Nowadays, there are many greedy people, everyone mercenary, absolutely no morals at all.




6.

（ shì ） bàn gōng bèi

（事）半功倍

Describe the cost of labor is small, the results received a large



bǐ yù zuò shì qíng suī rán fèi lì hěn xiǎo，

dàn shì shōu xiào què hěn dà。

比喻做事情雖然費力很小，但是收效卻很大。

Although the effort is small compared thing to do, but the effect is great.



7.

qián yí （ mò ） huà

潛移（默）化

Because by external influences, without being aware that things actually changed gradually.




rén lèi de pǐn gé ，zài shòu dào liáng hǎo de

jiào yù hòu， zhú jiàn xiàng shàn。

人類的品格，在受到良好的教育後，逐漸向善。

Human character, in a good education, gradually to perform good deeds.




zài bù zhī bù jué zhōng， huì shòu dào gè fāng miàn de yǐng xiǎng ér fā shēng biàn huà。

在不知不覺中，會受到各方面的影響而發生變化。

Unknowingly, will be the impact of various changes.



8.

fěn （mò）dēng cháng

粉（墨）登場

Someone entered the political arena, generally with ironic or derogatory.




bǐ yù yǒu yì rén dēng shàng le zhèng zhì wǔ tái，

yì bān lái shuō hán fěng cì huò biǎn chì de yì si。

比喻有一人登上了政治舞台，一般來說含諷刺或貶斥的意思。

Analogy one person on board the political arena, in general, with the meaning of irony or denigration.




xiàn dài yòng fǎ： jīng guò yì fān jīng xīn

ān pái， qiáo zhuāng dǎ bàn， zhèng shì dēng

shàng zhèng zhì wǔ tái。

現代用法：經過一番精心安排，喬裝打扮，正式登上政治舞台。

Modern Usage: After a well-arranged, disguised, officially entered the political arena.




9.

kāng kǎi （jī） áng

慷慨（激）昂

Describe a person's emotions; the way is full of righteousness.



xíng róng mǒu rén wài guān de biǎo xiàn ，gǎn

qíng jī dòng， zhèng qì áng yáng。

形容某人外觀的表現，感情激動，正氣昂揚。

Describe the appearance of a person's performance, feelings of excitement, high-spirited righteousness.




xíng róng yí gè rén de qíng xù、 shuō huà de yǔ

diào ，bú dàn jī dòng áng yáng ér yòu chōng mǎn zhèng qì。

形容一個人的情緒、說話的語調，不但激動昂揚而又充滿正氣。

Describe a person's mood, tone of voice, high-spirited and full of excitement not only righteousness.



10.

dú （ jù ） jiàng xīn

獨（具）匠心

Distinctive clever idea.



jù yǒu gè rén dú yǒu de qiǎo miào xīn si。

具有個人獨有的巧妙心思。

Unique to the individual with the ingenious mind.




duō shù zhǐ chēng zài jì shù huò yì shù fāng miàn jù yǒu chuàng zào xìng。

多數指稱在技術或藝術方面具有創造性。

Most of the alleged technical or creative arts.

（9）Learning Chinese Language and Modern popular Chinese idioms by means of English

中國成語

Modern popular Chinese idioms

現代通用中國成語解譯

Common interpretation of modern Chinese idioms （9）


1.


shuǐ （ xiè ） bù tong

水（泄）不通

Environment is very crowded, even water cannot flow out




sì zhōu de huán jìng bèi wéi dǔ dé fēi cháng yán mì，

lián shuǐ dōu bù néng shùn lì liú dòng chū qù。

四周的環境被圍堵得非常嚴密，連水都不能順利流動出去。

The surrounding environment is very tight containment, even water cannot flow out smoothly.



xíng róng huán jìng fēi cháng yōng jǐ huò jiàn

zhù wù bèi rén qún bāo wéi。

形容環境非常擁擠或建築物被人群包圍。

Describe the environment is very crowded or building surrounded by the crowd.




bǎi huò gōng sī jǔ xíng yì nián yí dù dà jiǎn jià， gù kè bǎ gōng sī wéi rào dé shuǐ xiè bù tōng。

百貨公司舉行一年一度大減價，顧客把公司圍繞得水泄不通。

Annual Sale at department stores, customers crowded around the company.



2.

（jǔ）zhǐ dà fang

（舉）止大方

Every move is extraordinary, attitudes calm, generous, non-ordinary people can be compared.



yì jǔ yí dòng dōu cóng róng zì rán duān zhuāng bù sú。

一舉一動都從容自然，端莊不俗。

Every movement naturally calm, dignified and impressive.



sū shān xiàng mào duān zhèng měi mào

jǔ zhǐ dà fāng ，shuō huà bù duō， cháng dài xiào róng。

蘇珊相貌端正美貌，舉止大方，說話不多，常帶笑容。

Susan looks correct beauty, generous manner, does not speak much, often with a smile.




3.

yī （ xiè ） qiān li

一（瀉）千里

Falls water, poured rapidly downstream.



xíng róng jiāng hé shuǐ liú sù dù ，

bēn liú zhí xià， bù yī huì biàn liú dòng qiān li zhī yáo。


形容江河水流速度，奔流直下，不一會便流動千里之遙。

Describe the flow rate of rivers, flowing straight down, and soon it flows thousands of miles away.




cháng cháng yòng lái bǐ yù wén zhāng qì shì hěn dà， wén bǐ liú chàng bēn fàng 。

常常用來比喻文章氣勢很大，文筆流暢奔放。

Often used to mean a great momentum articles, writing fluency and imaginative.



4.

yuán （xiāo） jiā jié

元（宵）佳節

Chinese traditional festivals, this day is called Lantern Festival




zhōng guó mín jiān chuán tǒng jié rì， zài nóng lì zhēng yuè shí wǔ yè jiān 。


中國民間傳統節日，在農曆正月十五夜間。

Chinese folk festivals in the Lunar New Year night.




cóng táng dài kāi shǐ， zhè yì tiān wǎn shang ，

yǒu guān shǎng huā dēng xún yóu 、yǒu rang mín zhòng

jìng cāi dēng mí jié mù。

從唐代開始，這一天晚上，有觀賞花燈巡遊、有讓民眾競猜燈謎節目。

From the Tang Dynasty, this night, there are ornamental lantern parades; there are programs for people guessing riddles.




5.


jiǔ （xiāo） yún wài

九（霄）雲外

The highest point of the sky




xíng róng bǐ cǐ de jù lí yáo yuǎn dé wú yǐng

wú zōng， zài tiān jì jí gāo 、jí yuǎn de dì fang。


形容彼此的距離遙遠得無影無踪，在天際極高、極遠的地方。


Describe the distance between far without a trace, high in the sky, very far away.




tā bǎ wǒ men de zhōng gào pāo dào le jiǔ xiāo yún wài。

他把我們的忠告拋到了九霄雲外。

He put our advice thrown out the window.




6.

chū rén （ tóu ） de


出人（頭）地


The unexpected success exceeded



shì yè chéng jiù chāo chū yì bān rén de biāo zhǔn，

gāo guò bié rén yì děng jí。


事業成就超出一般人的標準，高過別人一等級。

Career success beyond most people's standards, a level higher than the others.




wǒ xī wàng zì jǐ de nǚ ér jiāng lái néng

chū rén tóu de 。zào fú shè huì。

我希望自己的女兒將來能出人頭地，造福社會。

I hope my daughter will be able to succeed for the benefit of society.




7.

bù shēng bù （ xiǎng ）

不聲不（響）

Do not speak, do not say anything to remain silent




zài mǒu qíng kuàng xià ，shuō huà de biǎo qíng，

méi yǒu zài wài zài háng dòng biǎo lù chū lái 。

在某情況下，說話的表情，沒有在外在行動表露出來。

In certain circumstances, to speak of expression, did not show it out in action.




xíng róng dāng chǔ lǐ rèn hé shì qíng， dōu

bǎo chí chén zhuó tài du。

形容當處理任何事情，都保持沉着態度。

Described when dealing with any matter, remain calm attitude.




8.


bù gù yí qiè

不（顧）一切

Do things without regard to risk, stick with it




wèi le dá dào mù biāo， zhǐ bēn xiàng yí gè mù biāo，

bǎ yí qiè dōu pāo kāi bú gù le。

為了達到目標，只奔向一個目標，把一切都拋開不顧了。

In order to achieve the target, only toward a goal, regardless of everything aside.




suī rán zāo dào jiā rén fǎn duì ，tā hái shì

bú gù yí qiè qù tóu kǎo xiāo fáng yuán。

雖然遭到家人反對，他還是不顧一切去投考消防員。

Although his family was opposed, he was desperate to applying for firefighters.




9.


bù shí dà tǐ

不識大（體）

Not from the overall, long-term perspective to deal with problems




chǔ lǐ nán tí， bù dǒng dé cóng guān jiàn

diǎn zhuó yǎn ，bù kǎo lǜ zhěng tǐ de hé cháng yuǎn de lì yì。

處理難題，不懂得從關鍵點着眼，不考慮整體的和長遠的利益。

Deal with problems; do not know the key points from the focus, not considering the overall and long-term interests.




dà tǐ： bù dǒng dé chǔ lǐ shì qíng de guān jiàn diǎn。

大體：不懂得處理事情的關鍵點。

Do not know how to deal with the critical point.




10.

（wéi） miào （wéi） xiào

（惟）妙（惟）肖

Describing the portrait, with an air of realism, vivid.



xíng róng mó fǎng bié rén de wài mào ，
shēng dòng bī zhēn。

形容模仿別人的外貌，生動逼真。

Describe the imitation of someone else's appearance, vivid and lifelike.



zhè yì fú rén xiàng huà ，bà r tóng huó pō yǒu
qù de shén tài， huà dé wéi miào wéi xiào。

這一幅人像畫，把兒童活潑有趣的神態，畫得惟妙惟肖。

This is a portrait painting, children's fun and lively demeanor, painting vividly.

（8）Learning Chinese Language and Modern popular Chinese idioms by means of English

中國成語

Modern popular Chinese idioms

現代通用中國成語解譯

Common interpretation of modern Chinese idioms（8）

1.

wēi （ zhèn ） sì fang

威（震）四方

Powerful, imposing, so that the distance of the opponents feel threatened




jù yǒu lìng rén jìng wèi de shēng shì、 lì liang huò qì pài。

具有令人敬畏的聲勢、力量或氣派。

With the awesome momentum, strength or style.




yīn wèi běn shēn jù yǒu qiáng dà wǔ lì，
dí fāng gǎn dào kǒng jù。

因為本身具有強大武力，敵方感到恐懼。

Because of their own with a strong force, the enemy was fear.




2.

（zhèn）（zhèn）yǒu cí

（振）（振）有詞

Reason seems to be justified, said continuous non-stop




zì yǐ wéi hěn yǒu dào lǐ，

suǒ yǐ kǒu lǐ shuō guò bù tíng。

自以為很有道理，所以口裏說過不停。

They as very reasonable, so keep the mouth saying.




biǎo lù chū lǐ zhí qì zhuàng de yàng zi。

表露出理直氣壯的樣子。

Revealed the righteous way.



3.


bù kě sī （ yì ）

不可思（議）

Seen on the front is hard to imagine, hard to understand




fó jiào de yòng yǔ ，hán yǒu shén mì 、

ào mì de yì si。

佛教的用語，含有神秘、奧秘的意思。

Buddhist terms, with a mysterious, secret meaning.




xíng róng duì shì wù huò yán lùn wú fǎ xiǎng xiàng qí zhōng de hán yì huò nán yú lǐ jiě qí zhōng de yì lǐ。

形容對事物或言論無法想像其中的含意或難於理解其中的義理。

Words cannot describe or imagine of things which is difficult to understand the meaning or moral principles.



4.

dà （ yì ） lǐn rán

大（義）凜然

Revealed the grim look inviolability




xíng róng biǎo xiàn gōng zhèng yě hé hū dào lǐ de

qíng yì dé dào biǎo zhāng。

形容表現公正也合乎道理的情義得到表彰。

Also describe the performance of the reason that bonds of friendship just to get recognition.



lǐn jiě： yán sù 、jìng wèi； hán lěng。

凜解：嚴肅、敬畏、寒冷。

Serious, fear, cold.




5.

（ yì ） wú fǎn gù

（義）無反顧

From a moral perspective, can only move forward, not hesitate, flinch.




cóng dào dé fàn chóu shàng kǎo lǜ， yīng gāi jiē shòu ，bù néng tuī cí， bù néng tuì ràng。

從道德範疇上考慮，應該接受，不能推辭，不能退讓。

Areas from the ethical considerations, it should be accepted, not decline, cannot compromise.




wèi le zhèng yì de yuán yīn， mù qián yù dào de chǔ jìng，

zhǐ néng yǒng wǎng zhí qián， bù néng yóu yí bù jué。

為了正義的原因，目前遇到的處境，只能勇往直前，不能猶疑不決。


For reasons of justice, is currently experiencing the situation, can only move forward, not hesitant.



6.

sān shēng yǒu xìng

三生有（幸）

Extremely rare lucky



fó jiào yòng yǔ， yì si shì qián shì； jīn shì、

lái shì dōu néng guò hǎo rì zi。

佛教用語，意思是前世、今世、來世都能過好日子。

Buddhist terms, meaning that past life, present and future, the afterlife can live a good life.




nín néng yù dào xiàng tā zhè yàng shàn liáng de hǎo rén ，dài nín yǒu rú qīn shēng nǚ ér，

yě suàn nǐ sān shēng yǒu xìng。

您能遇到像她這樣善良的好人，待您有如親生女兒，也算你三生有幸。

You can encounter this kind of good people like her, love to be your daughter; you are also considered lucky.



7.

lù bù shí （ yí ）

路不拾（遺）

Lost something in the road, no one picked up.




dōng xī diào shī zài lù shang， méi yǒu rén jiǎn zǒu。

東西掉失在路上，沒有人撿走。

What a lost on the road, no one seized.




xíng róng shè huì de dào fēng qì hěn yōu liáng。

形容社會的道風氣很優良。

Describe the social and moral atmosphere is very good.



8.

diào hǔ lí shān

調虎（離）山

Designed to induce opponents to leave the fixed place




wèi le fāng biàn yǒu jī huì zuò zì jǐ jì huà zhōng de shì qíng，

xiǎng bàn fǎ yǐn yòu bié rén lí kāi gǎng wèi。

為了方便有機會做自己計劃中的事情，想辦法引誘別人離開崗位。

In order to facilitate the opportunity to do things fulfill own plan, try to lure people to leave their posts.




chèn zhe duì shǒu lí kāi gù dìng gǎng wèi shí， zhǎo xún jī huì jī bài dí rén。

趁着對手離開固定崗位時，找尋機會擊敗敵人。

Taking advantage of the opponent to leave the fixed post, looking for opportunities to defeat the enemy.




9.

bù kān shè xiǎng

不（堪）設想

What the final result will be,it is difficult to predict.




shì qíng fā zhǎn xià qù， jié jú huì hěn huài ，

yǒu kě néng dá dào méi fǎ jiě jué de dì bù。

事情發展下去，結局會很壞，有可能達到沒法解決的地步。

Things develop, the outcome will be bad, there is likely to be unable to resolve the problem.




rú guǒ méi yǒu nín de bāng zhù， wǒ jīn tiān de chǔ jìng，

zhēn shì bù kān shè xiǎng。

如果沒有您的幫助，我今天的處境，真是不堪設想。

If not for your help, my situation today, which is
Really disastrous.



10.

chēng xiōng dào dì

（稱）兄道弟

The two sides are not brothers, but call each other by sibling



péng yǒu jiān yǐ xiōng dì xiāng chèn hū，

xíng róng bǐ cǐ de guān xì qīn mì。

朋友間以兄弟相稱呼，形容彼此的關係親密。

Friends to sibling call, describe their relationship close.



yǒu shí yě zhǐ zuò fēng yōng sú。

有時也指作風庸俗。

Sometimes refers to the vulgar style.



tā tè bié xǐ huān yǔ rén jiāo péng yǒu，

chēng xiōng dào dì ，jiàn lì bǐ cǐ guān xì。

他特別喜歡與人交朋友，稱兄道弟，建立彼此關係。

In particular, he likes to make friends with people, in order to building relationships with each other.

（7）Learning Chinese Language and Modern popular Chinese idioms by means of English

中國成語

Modern popular Chinese idioms

現代通用中國成語解譯

Common interpretation of modern Chinese idioms（7）

1.

（bān）mén nòng fǔ


（班）門弄斧


Luban is a famous ancient Chinese carpenter, was actually in front of him to teach him to use an ax



zài háng jia miàn qián mài nong běn lǐng。

在行家面前賣弄本領。

Show off in front of expert skills.



zài gāo shǒu miàn qián mài nong běn lǐng。

在高手面前賣弄本領。

The ability to show off in front of master




lǐ xiān shēng bú zì liàng lì ，jìng rán zài dà

xué měi shù jiào shòu miàn qián mài nong chā

huà jì yì， zhēn rú bān mén nòng fǔ。


李先生不自量力，竟然在大學美術教授面前賣弄插畫技藝，真如班門弄斧。


Mr. Lee himself, even to show off in front of the university professor of fine arts illustration skills, really trespasses.



2.

xiàn（ shēn）shuō fǎ


現（身）說法


Buddhist terms. Magic the majority of the Buddha, to a variety of humanoid emerged, Buddha preached to the people.



yòng zì jǐ qīn shēn jīng lì wèi lì zi， xiàng rén jìn xíng jiǎng jiě huò quàn jiè。

用自己親身經歷為例子，向人進行講解或勸誡。

With their own personal experience as an example to explain to the person or exhort.



tā shì yì míng jīng yàn fēng fù de yī shēng ，

xiàn zài yóu tā xiàn shēn shuō fǎ， bǎ yán

jiū de chéng guǒ xiàng dà jiā bào gào yì fān。


她是一名經驗豐富的醫生，現在由她現身說法，把研究的成果向大家報告一番。


She is an experienced doctor and now by her own experiences, the study results to report something.



3.

yí jiàn （zhōng）qíng


一見（鍾）情


A meeting of people or things gave rise to feelings of love




nán nǚ jiān de ài qíng fēi cháng zhuān zhù。


男女間的愛情非常專注。


Love between men and women are much focused.




méi guī fú lǔ le wǒ de xīn ，sū shān chū xiàn wǒ yí jiàn zhōng qíng。

玫瑰俘虜了我的心，蘇珊出現我一見鍾情。

Rose captured my heart, Susan I love at first sight appear.



4.

cū （ zhì ） làn zào


粗（製）濫造


Production of crude product, is not careful, do not seriously




fàn zhǐ zhì zào chǎn pǐn shí， mǎ hǔ cǎo

shuài， bù kǎo lǜ chǎn pǐn zhì liàng。

泛指製造產品時，馬虎草率，不考慮產品質量。

Refers to manufacturing products, careless haste, without regard to product quality.




gōng zuò bú fù zé rèn cǎo shuài cóng shì。

工作不負責任，草率從事。

Work irresponsible, hasty in.




5.

yīn（ yē） fèi shí


因（噎）廢食


Because eating choke a bit, simply do not even eat rice




zài yè wù shàng chū le diǎn wèn tí jiù tuì suō

bù qián， shèn zhì suǒ xìng bú gàn。

在業務上出了點問題就退縮不前，甚至索性不幹。


In business there is some problem holding back, or even simply quit.



yǒu xiē rén yīn wèi jù pà yù nì ér suǒ xìng

bú qù xué yóu yǒng， jiù shì yīn yē fèi shí

de lì zǐ。

有些人因為懼怕遇溺而索性不去學游泳，就是因噎廢食的例子。


Some people simply because of fear of drowning and do not learn to swim, is unworthy of the cases.



6.

lín lí jìn （ zhì ）


淋漓盡（致）


Expression of accessible and thorough



xíng róng duì tè dìng shì wù， biǎo dá dé chàng shùn、 míng bái tòu chè。


形容對特定事物，表達得暢順、明白透徹。


Describe the specific things, expression of smooth, understand thoroughly.




xíng róng wén zhāng huò tán huà xiáng jìn tòu chè。

形容文章或談話詳盡透徹。

Describe the article or talk to a thorough.




bào lù dé dé chè dǐ。

暴露得得徹底。

Exposure was too thorough.



7.

jīn bù rú（xī）


今不如（昔）


Today as yesterday, now as in the past




cháng yòng yú kǎi tàn rén shì huò shì shì tuì

biàn ，jiāng hé rì xià。

常用於慨歎人事或世事蛻變，江河日下。

Commonly used in personnel or lament the transformation of things, from bad to worse.




yào shuō mǔ qīn de shēn tǐ， què shí jīn bù
rú xī ，jiàn kāng yì tiān tiān shuāi ruò xià lái。

要說母親的身體，確實今不如昔，健康一天天衰弱下來。

To say that the mother's body, indeed poorer than before health day by day weakened.



8.

shí yǒu bā jiǔ


十有八九


Into the possession of eight of ten, as many as nine



shí fèn zhī zhōng zhàn yǒu jiǔ fèn shì shuō

suǒ zhàn de bǐ zhòng jí dà。

十份之中佔有九份是說所佔的比重極大。

Among the possession of nine of ten is that a great proportion.




huò xíng róng jí yǒu bǎ wò，

hěn yǒu kě néng shí xiàn。

或形容極有把握，很有可能實現。

Or describe a very confident, very possible.




tā shì kuài jì yuán， gōng sī nián zhōng de
zhài wù ，shí yǒu bā jiǔ yǐ jīng shōu huí lái le。

他是會計員，公司年終的債務，十有八九已經收回來了。

He is the accountant, the company year-end debt, in all likelihood have come back.



9.

bù zhī suǒ（yún）


不知所（云）


Because of excitement, his thoughts confused, not knowing what has been said so




suǒ fā biǎo de shuō huà dōu shì yǔ wú lún cì， yǔ yì bù míng。

所發表的說話都是語無倫次，語意不明。

The talk is published, incoherent, ambiguities.




tā jīn tiān hē zuì le， shuō de dōu shì bù

zhī suǒ yún de huà。

他今天喝醉了，說的都是不知所云的話。

Today, he was drunk, that the words are unintelligible.




10.

lái zhě bù（jù）


來者不（拒）


People who came to ask for advice, all accepted.




duì qián lái tóu kào de rén huò sòng lái de dōng xī，
yí gài jiē shòu。

對前來投靠的人或送來的東西，一概接受。

Come to seek refuge on the person or thing sent, that any acceptance.




tā shì yì míng liú máng tóu zi， duì yú qián lái

tóu kào tā de fàn zuì fèn zi， tā yí lǜ lái zhě bú jù。

他是一名流氓頭子，對於前來投靠他的犯罪份子，他一律來者不拒。

He is a rogue leader, his refuge for criminals to come, he always accepted