第一篇：(中英双语)商务部召开202_例行新闻发布会

202_例行新闻发布会

Regular Press Conference of Ministry of Commerce

各位记者，大家新年好。今年第一次例行发布会在这里给大家发布，很高兴再次和大家见面。通报一些情况，并且回答大家的问题，今年这次发布会，因为是全年年度的盘点，所以通报的是全年的情况。

Dear Friends from the Media, Happy New Year.I’m glad to see you here at the first regular press conference of 202_.I would like to brief you on some information and answer your questions.The conference today is about the review of the whole year of 202_.一、关于国内市场运行情况

202_年国内消费市场运行总体平稳，全年实现社会消费品零售总额26.2万亿元，同比增长12.0%，扣除价格因素，实际增长10.9%，比上年同期分别放缓1.1个和0.6个百分点。据商务部监测，1-12月5000家重点零售企业销售额增长6.3%，较上年回落2.6个百分点。全年最终消费对GDP增长的贡献率达到51.2%，比上年提高3个百分点，成为拉动经济增长的主引擎。消费市场主要特点：

I.Performance of Domestic Market

In 202_, the domestic consumer market remained steady, and the retail sales of consumer goods in the whole 202_ reached 26.2 trillion yuan, up 12.0% year on year, and 10.9% with price factors excluded, 1.1 and 0.6 percentage points slower than that of 202_ respectively.According to the monitoring of the Ministry of Commerce, the sales of 5,000 major retail enterprises in January-December were up 6.3%, 2.6 percentage points slower than that of 202_.The final consumption of the whole year contributed 51.2% to GDP growth, 3 percentage points higher than that of 202_, becoming the main engine driving economic growth.Following are the main characteristics of the consumer market.一是网络零售保持高速增长。据国家统计局统计，全年网上零售额同比增长49.7%，达到2.8万亿元。根据商务部电子商务司测算，202_年电子商务交易额（包括B2B和网络零售）将达到约13万亿元，同比增长25%。（具体数据请参考202_年5月发布的电子商务白皮书）商务部监测的5000家重点零售企业中，网络零售增长33.2%，比上年加快1.3个百分点。专业店、超市和百货店分别增长5.8%、5.5%和4.1%，比上年分别回落1.7、2.8和6.2个百分点；购物中心虽增长7.7%，但也比上年放缓4.5个百分点。

1.Online retail kept a rapid growth.According to the statistics of the National Bureau of Statistics, the online retail sales of 202_ were up 48.7% year on year, reaching 2.8 trillion yuan.According to the calculation of the Department of Electronic Commerce and Information of the Ministry of Commerce, the volume of business transaction in 202_(including B2B and online retail)would reach about 13 trillion yuan, up 25% year on year.(Detailed data in the White Paper of Electronic Commerce which will be issued in May,202_).Among the 5000 major retail enterprises monitored by the Ministry of Commerce, online retail was up 33.2%, 1.3

points higher than that of 202_, and that of special stores, supermarkets and department stores were up 5.8%, 5.5% and 4.1% respectively, 1.7, 2.8 and 6.2 percentage points slower than that of 202_;that of shopping malls were up 7.7%, but 4.5 percentage points slower than that of 202_.二是通讯类、文体类商品增长加快。4G通讯快速普及，激发手机更新换代需求，限额以上单位全年通讯器材销售额同比增长32.7%，比上年加快12.3个百分点。商务部监测的5000家重点零售企业中，文化办公、体育娱乐用品销售额分别增长5%和4.7%，比上年分别加快6.3和5.6个百分点。

2.Growth of communication and culture and sports products sped up.The rapid popularization of 4G communication stimulated the demands for upgrading of cell phones.In 202_, sales of communication equipment of units above the designated size were up 32.7% year on year, 12.3 percentage points higher than that of 202_.Among the 5,000 major retail enterprises monitored by the Ministry of Commerce, sales of cultural and office products and sports and recreation products were up 5% and 4.7% respectively, 6.3 and 5.6 percentage points higher than that of 202_.三是汽车消费保持平稳增长。据中国汽车工业协会统计，202_年乘用车销售量达1970万辆，同比增长9.9%，较上年放缓5.8个百分点。新能源汽车市场良好，全年销售约7.5万辆，增长3.2倍。中国品牌乘用车销量增长4.1%，增幅比上年回落7.3个百分点，市场份额较上年下降2.1个百分点。中国汽车流通协会数据显示，202_年前11个月二手车交易545万辆，增长16.7%。

3.Automobile consumption maintained a steady growth.According to the China Automotive Industry Association, sales of passenger vehicles in 202_ reached 19.7 million, up 9.9% year on year, 5.8 percentage points slower than that of 202_.The market of new energy cars enjoyed a good trend, with the sales of 75,000 in the whole year, up 3.2 times.Sales of passenger cars of Chinese brands were up 4.1%, 7.3 percentage points slower than that of 202_, and 2.1 percentage points slower in terms of market share.According to the statistics of the China Automobile Dealers Association, transaction of second-hand cars in the first 11 months of 202_ reached 5.45 million, up 16.7%.四是大众化及服务类消费升温。大众化餐饮不断升温。全年餐饮收入增长9.7%，其中，限额以下企业增长13.2%，高出限上企业11个百分点。文化旅游需求旺盛，全年电影总票房296.4亿元，增长约36.2%；全年旅游总收入约3.25万亿元，增长11%，出境旅游首次突破1亿人次。

4.Mass consumption and service consumption heated up.Mass catering continuously heated up.The revenues of catering in the whole 202_ were up 9,7%, among which, that of enterprises under the designated size up 13.2%, 11 percentage points higher than that of enterprises above the designated size.Cultural tourism was in great demand, and the film box office of the whole year reached 29.64 billion yuan, up about 36.2%;the whole revenues of tourism were about 3.25 trillion yuan, up 11%, and the number of outbound travelers surpassed 100 million for the

五是消费价格基本平稳。202_年全国居民消费价格总水平上涨2%，比上年同期回落0.6个百分点，其中12月份上涨1.5%。据商务部监测，36个大中城市食用农产品价格全年上涨0.7%，其中，12月下降0.1%，已连续4个月负增长，降幅较上月收窄1.8个百分点，猪肉、羊肉、菜籽油价格同比分别下降10%、4.2%和2.9%，鸡蛋、食盐、水果分别上涨11.4%、8.7%和8.1%。

5.Consumer prices remained steady.CPI in 202_ was up 2%, 0.6 percentage points slower than that of the same period of 202_, and that of December was up 1.5%.According to the monitoring by the Ministry of Commerce, in 36 large and medium-sized cities, prices of agro-foodstuff went up 0.7% in the whole year, among which, that of December was down 0.1%, witnessing negative growth for four consecutive months, and 1.8 percentage points slower than that of November.Prices of pork, mutton and rapeseed oil were down 10%, 4.2% and 2.9% respectively, and those of egg, salt and fruit were up 11.4%, 8.7% and 8.1% respectively.六是市场秩序进一步规范，消费环境逐步改善。202_年，商务部通过电视购物专项整治，查处违法电视购物广告691件、违法网站265个，关停16家非法购物频道。违法违规电视购物广告数量下降了83.9%。建设肉菜、中药材流通追溯体系，实现每天对3万多吨300余种产品的信息化可追溯管理，受益人口超过4亿，强化了市场管理，提振了消费信心。

6.Market order was further standardized and the consumption environment was gradually optimized.In 202_, through the special campaign to rectify TV shopping, the Ministry of Commerce investigated and dealt with 691 cases and 265 websites that violated laws and rules, and closed 16 illegal shopping channels.The number of TV shopping advertisements violating laws and rules was down 83.9%.The Ministry of Commerce constructed the circulation traceability system of meat, vegetable and traditional Chinese medicinal materials, realizing the information traceability management of 30,000 tons of products in 300 varieties and benefiting more than 400 million people, which strengthened market management and boosted consumption confidence.二、关于对外贸易情况

据海关统计，202_年，我国进出口总值26.43万亿元人民币，同比增长2.3%，其中出口14.39万亿元，增长4.9%，进口12.04万亿元，下降0.6%，贸易顺差2.35万亿元，扩大45.9%。按美元计，202_年我国进出口总值4.30万亿美元，同比增长3.4%，其中出口2.34万亿美元，同比增长6.1%,进口1.96万亿美元，同比增长0.4%。贸易顺差3824.6亿美元，同比扩大47.3%。在剔除202_年套利贸易垫高基数因素后，全国进出口同比实际增长6.1%，出口增长8.7%，进口增长3.3%。202_年全年进出口运行情况主要有以下特点：

II.Foreign Trade

to Customs figures, China’s total import and export in 202_ reached 26.43 trillion yuan, up 2.3% year on year.Export was 14.39 trillion yuan, up 4.9%, and import 12.04 trillion yuan, down 0.6%.Trade surplus was 2.35 trillion yuan, up 45.9%.In terms of the U.S.dollar, the total import and export of 202_ reached US$ 4.30 trillion, up 3.4% year on year, among which, export was US$ 2.34 trillion, up 6.1%, and import US$ 1.96 trillion, up 0.4%.Trade surplus was US$ 382.46 billion , up 47.3% year on year.Excluding the factor that the cardinal number was bolstered by interest arbitrage in 202_, import and export enjoyed a real growth of 6.1%, among which, export up 8.7% and import up 3.3%.The main characteristics of import and export in 202_ are as follows:

一是第一货物贸易大国地位巩固。从全球范围看，202_年全球贸易预计仅增长2%左右。1-11月美国进出口增长3%，欧盟和日本分别下降0.5%和2.5%。而我国外贸增速明显高于全球的平均增速，第一货物贸易大国地位进一步巩固。预计全年我国出口占全球份额达12.2%左右，较202_年提高0.5个百分点。

1.China’s status as the largest goods trader was consolidated.Internationally, the global trade in 202_ increased only about 2%.In January-November, the EU and Japan decreased 0.5% and 2.5%, respectively.The growth of China’s foreign trade was obviously higher than the average growth of the world, further consolidating the status as the largest goods trader.It is estimated that China’s export accounted for 12.2% of the whole world in 202_, 0.5 percentage points higher than that of 202_.二是外贸对经济增长贡献突出。在国内经济下行压力加大的情况下，外贸对经济增长起到了重要的支撑作用。按支出法核算，202_年前三季度，货物和服务净出口对国内生产总值增长的贡献率达10.2%，预计全年贡献率将在10.5%左右，创202_年以来最高水平。

2.Foreign trade contributed a lot to the economic growth.With the increasing pressure of downward domestic economy, foreign trade played an important supporting role to the economic growth.Calculating according to the expenditure approach, in the first three quarters of 202_, net export of goods and services contributed 10.2% to the growth of GDP, and the contribution of the whole year was estimated to reach 10.5%, the highest since 202_.三是一般贸易占比持续上升。全年一般贸易进出口2.31万亿美元，增长5.3%，占全国进出口总额的53.8%，较202_年提高1个百分点，比重连续两年提高。加工贸易进出口1.41万亿美元，增长3.8%，增速较202_年加快2.7个百分点。

3.The proportion of general trade continued to increase.The import and export of general trade of the whole year reached US$ 2.31 trillion, up 5.3%, accounting for 53.8% of the national total, 1 percentage point higher than that of 202_, increasing for two consecutive years.Import and export of processing trade reached US$ 1.41 trillion, up 3.8%, 2.7 percentage points higher than that of 202_.四是贸易伙伴更趋多元。开拓新兴市场取得新成效，全年我国与发展中国家进出口比重较202_年提高0.4个百分点，其中，对东盟、印度、俄罗斯、非洲、中东欧国家等进出口增

17个自贸伙伴在我国出口总额的占比较202_年上升0.6个百分点。对发达国家市场保持稳定增长，全年对欧盟和美国进出口分别增长9.9%和6.6%。

4.Trade partners were more persified.We have gained new achievements in exploiting emerging markets.The proportion of import and export with developing countries in 202_ increased 0.4 percentage points, among which the growth of import and export with ASEAN, India, Russia, Africa and central and eastern European countries were all above the overall growth.The FTA strategy gained obvious effect, the proportion of 17 FTA partners excluding Hong Kong, Macao and Taiwan in China’s total import and export increased 0.6 percentage points than that of 202_.Trade with developed countries maintained a steady growth, and the import and export with the EU and the U.S.increased 9.9% and 6.6% respectively.五是商品结构继续优化。工业制成品占出口总额的95.2%，较202_年提高0.1个百分点，占比连续三年提高。装备制造业成为出口的重要增长点，铁路机车、通信设备出口增速均超过10%。七大类劳动密集型产品出口4851亿美元，增长5%。生物技术产品、航空航天技术产品、计算机集成制造技术产品等高新技术产品进口增速均在15%以上。消费品进口1524亿美元，增长15.3%，占进口总额的7.8%，较202_年提高1个百分点。

5.The commodity structure continued to be optimized.Export of manufactured goods accounted for 95.2% of the total export, 0.1 percentage points higher than that of 202_, increasing for three consecutive years.The equipment manufacturing industry has become an important growth point of export, and the export of both railway locomotives and communication devices increased over 10%.The export of seven kinds of labor intensive products reached US$ 485.1 billion, up 5%.Exports of high-tech products including biotechnology products, aerospace engineering products and computer integrated manufacturing goods were all above 15%.The import of consumer goods was US$ 152.4 billion, up 15.3%, accounting for 7.8% of the national total, 1 percentage point higher than that of 202_.六是中西部地区对增量贡献首次过半。中西部地区进出口保持较快增长，其中，中部地区进出口3127亿美元，西部地区进出口3344亿美元，分别增长10%和20.5%，中西部地区合计对整体进出口增量贡献60.3%，贡献率首次超过东部。东部地区进出口3.66万亿美元，增长1.6%，占全国进出口总额的85%，较202_年下降1.5个百分点。

6.Contributions of central and western China to the growth were above 50% for the first time.The import and export of central and western regions maintained a rapid growth, among which, the import and export of the central region reached US$ 312.7 billion, and the western region US$ 334.4 billion, up 10% and 20.5% respectively, all contributing 60.3% to the total export growth, and exceeding the eastern region for the first time.The import and export of the eastern region reached US$ 3.66 trillion, up 1.6%, accounting for 85% of the national total, 1.5 percentage points slower than that of 202_.商品价格指数下降3.3%，而出口商品价格指数仅下降0.7%，贸易条件连续第三年改善。重要能源资源产品进口价格走低，节约了大量外汇支出，仅原油、铁矿砂、铜矿砂、铜材、橡胶、化肥、大豆和谷物8种商品就少支出约485亿美元。

7.Trade conditions obviously improved.Under the situation that prices of domestic industrial products and international staple commodities all slumped, the import commodity price index of the whole year was down 3.3%, while the export commodity price index only decreased 0.7%.Trade conditions were optimized for three consecutive years.Import prices of important energy resources products declined, which saved a great amount of foreign exchange expenditures.Expenses on crude oil, iron ore, copper ore, copper products, rubber, chemical fertilizers, soybean and grain were reduced US$ 48.5 billion.八是民营企业成为稳增长的主力军。全年有进出口实绩的民营企业占外贸企业总数的比重超过70%，较202_年提高1.6个百分点。民营企业进出口1.57万亿美元，增长5.3%，占全国进出口总额的36.5%，较202_年提高0.6个百分点，对整体进出口增量贡献55.9%。国有企业进出口7475亿美元，下降0.2%，连续三年负增长。外资企业进出口1.98万亿美元，增长3.4%。(202_-01-21 10:21:40)

8.Private enterprises have become the main force of stabilizing growth.In 202_, private enterprises that have actual performance on import and export accounted for 70% of the total number of foreign trade enterprises, 1.6 percentage points higher than that of 202_.The import and export of private enterprises reached US$ 1.57 trillion, up 5.3%, accounting for 36.5% of the total import and import, 0.6 percentage points higher than that of 202_ and contributing 55.9% to the total growth of import and export.The import and export of state-owned enterprises reached US$ 747.5 billion, down 0.2%, seeing a negative growth for three consecutive years.The import and export of foreign-invested enterprises reached US$ 1.98 trillion, up 3.4%.三、关于吸收外资情况

202_年全年，外商投资新设立企业23778家，同比增长4.4%；实际使用外资金额7363.7亿元人民币。按美元计，实际使用外资金额1195.6亿美元，同比增长1.7%（未含银行、证券、保险领域数据，下同）。12月当月，外商投资新设立企业2482家，同比增长6.1%；实际使用外资金额818.7亿元人民币，按美元计，实际使用外资金额133.2亿美元，同比增长10.3%。全年吸收外资有以下特点：

III.Foreign Investment in China

In 202_, a total of 23,778 foreign-funded enterprises were approved, up 4.4% year on year, with actually utilized FDI of 736.37 billion yuan.In terms of US dollar, the actually utilized FDI reached US$119.56 billion, up 1.7% year on year(excluding data of banking, securities and

year on year with actually utilized FDI of 81.87 billion yuan.In terms of US dollar, the actually utilized FDI reached US$13.32 billion, up 10.3% year on year.The main characteristics of foreign investment in 202_ are as follows:

一是利用外资规模稳中有进。202_年实际使用外资1195.6亿美元，同比增长1.7%，高于美国、欧盟、俄罗斯、巴西等主要经济体，连续23年保持发展中国家首位。

1.The scale of the utilization of FDI was steadily improved.In 202_, the actually utilized FDI reached US$119.56 billion, up 1.7% year on year, higher than that of major economies like the U.S., the EU, Russia and Brazil, taking the lead among the developing countries for 23 consecutive years.二是主要国家/地区对华投资总体保持稳定。202_年实际投入外资金额排名前十位的国家/地区（香港、新加坡、台湾省、日本、韩国、美国、德国、英国、法国、荷兰）合计投入1125.9亿美元，占全国实际使用外资金额的94.2%，同比增长2.7%。其中，韩国和英国对华投资增长较快，实际投入金额分别为39.7亿美元和13.5亿美元，同比增长29.8%和28%。内地与香港经贸关系更加紧密。202_年香港对内地投资额占内地吸收外资总额的68%，高出历年累计比重18.7个百分点。

2.Investment from major countries and regions maintained steady growth.In 202_, the actual FDI in the Chinese mainland from the top 10 investors(Hong Kong, Singapore, Taiwan, Japan, the ROK, the U.S., Germany, the UK, France and the Netherlands)amounted to US$ 112.59 billion, accounting for 94.2% of the total, up 2.7% year on year.Among others, the investment from the ROK and the the UK was US$ 3.97 billion and US$ 1.35 billion respectively, up 29.8% and 28% year on year respectively.The mainland has sustained closer economic relations with Hong Kong.Investment from Hong Kong took up 68% of the Mainland’s total absorption of FDI, 18.7 percentage points higher than that of the combined investment over the years.三是结构进一步优化。服务业吸收外资占比上升，达到55.4%，高出制造业22个百分点，达662.3亿美元，成为吸收外资新增长点。资金密集度进一步提升。202_年新设企业平均合同外资金额812万美元，比202_年（713万美元）提高13.9%。外资区域布局日趋合理。在外向型产业转移的带动下，中部地区吸收外资增长7.5%，实际使用外资金额占比升至9.1%。中西部地区实际使用外资占比为18.1%，比202_年提高了0.5个百分点。

3.The structure was further optimized.Utilized FDI in the service sector took a higher percentage of 55.4% with US$66.23 billion, 22 percentage points higher than that of the manufacturing industry, being a new growth point of attracting FDI.The capital density was further improved.In 202_, the average contract value of foreign capital of the newly-established enterprises amounted to US$8.12 million, 13.9% higher than that of 202_(US$7.13 million).The regional layout of foreign capital grew to be reasonable.Driven by export-oriented industries, the absorption of FDI in central China increased by 7.5% and actually utilized FDI in central China rose to 9.1%.The actually utilized FDI in central and

四是各项改革取得明显成效。注册资本登记制度改革促进外商投资企业在内的市场主体数量显著增长。202_年新设外商投资企业2.38万家，同比增长4.4%，扭转了自202_年以来连续两年下降的局面。自贸试验区试点取得重大阶段性成果。大力推进上海自贸试验区建设，建立了“准入前国民待遇加负面清单管理”外资管理模式，提高了投资便利化水平，极大激发市场投资热情。202_年上海自贸试验区合同外资金额约占上海市的三成，金融、文化等自贸试验区扩大开放措施引领上海市引资快速增长，服务业利用外资占比超过九成。

4.Remarkable achievements made in reforms.Reforms on the registration of registered capital system have promoted a remarkable increase of the number of market players including foreign-funded enterprises.In 202_, 23,800 newly-established foreign-funded enterprises were approved, up 4.4% year on year, reversing the situation of two consecutive year’s decline since 202_.Major phased fruits have been made in FTA pilots.Great efforts have been made to enhance the construction of the China(Shanghai)Pilot Free Trade Zone and establish a model of “pre-access national treatment together with a negative list”, improving the trade facilitation level and greatly motivating investment enthusiasm in the market.In 202_, the contract value of foreign capital in the China(Shanghai)Pilot Free Trade Zone took up one third of Shanghai’s total contract value of foreign capital.The measures to extend opening up in financial and cultural areas have led Shanghai’s attraction of FDI to grow rapidly, with utilized FDI in the service sector exceeding 90% of the total.五是外商投资企业经营状态稳定，盈利和纳税好于全国平均水平。202_年，外商投资企业进出口总额同比增长3.4%，占全国总额的46.1%。根据国家统计局和税务总局数据，202_年1-11月，规模以上外商投资工业企业实现利润总额1.37万亿元，增长10.3%，高于全国平均增幅5个百分点。202_年1-9月，外商投资企业缴纳税收1.9万亿元，增长8.6%，比全国税收增幅高1个百分点，占全国税收收入的比重为 19.4%，比202_年同期提高0.2个百分点。

5.Foreign-funded enterprises appeared to be stable with profits and paid taxes higher than the average level.In 202_, the import and export value of foreign-funded enterprises went up 3.4% year on year, taking up 46.1% of the national total.According to the data of the National Bureau of Statistics and the State Administration of Taxation, in January-November 202_, the profits of designated size foreign-funded industrial enterprises reached 1.37 trillion yuan, up 10.3% year on year, five percentage points higher than the national average.In January-September, the taxation of foreign-funded enterprises amounted to 1.9 trillion yuan, up 8.6%, one percentage point higher than the national average, taking up 19.4% of the national taxation, with 0.2 percentage points higher than that over the same period in 202_.六是国家级经开区总体发展态势良好。202_年1—9月，215家国家级经开区地区生产总值、第二产业增加值、第三产业增加值、财政收入、税收收入、固定资产投资同比均为两位数增长（分别为12.7%、13.5%、14.7%、15%、13.3%、15.5%）。(202_-01-21 10:25:37)

6.National economic development zones enjoyed good momentum.In January-September

215 national economic development zones saw a double-digit growth in the gross regional domestic product, the value-added of the primary industry, the value-added of the secondary industry, the value-added of the tertiary industry, the fiscal revenue, the taxation revenue and the fixed-asset investment(12.7%,13.5%, 14.7%, 15%, 13.3% and 15.5% respectively)

四、关于对外投资和经济合作情况

今年全年，我国境内投资者共对全球156个国家和地区的6128家境外企业进行了直接投资，累计实现非金融类对外直接投资6320.5亿元人民币。以美元计，全年累计实现非金融类对外直接投资1028.9亿美元，同比增长14.1%。其中12月当月，实现非金融类对外直接投资804.1亿元人民币。以美元计为130.9亿美元，同比增长31.8%。截至202_年底，我国累计非金融类对外直接投资3.97万亿元人民币（折合6463亿美元）。202_年我国对外投资主要有以下特点：

IV.China’s Investment and Economic Cooperation Overseas

In 202_, Chinese investors made direct investment in 6,128 enterprises in 156 countries and regions around the world, with a combined non-financial investment of US$ 102.89 billion(equivalent to 632.05 billion yuan), up 14.1% year on year.In December, non-financial direct investment overseas amounted to US$ 13.09 billion(equivalent to 80.41 billion yuan), up 31.8% year on year.As of the end of December, China’s total non-financial direct investment overseas amounted to 3.97 trillion yuan(equivalent to US$ 646.3 billion).The main characteristics of China’s investment overseas are as follows:

一是我国双向投资首次接近平衡。据商务部和国家外汇管理局统计，202_年我国共实现全行业对外直接投资1160亿美元，同比增长15.5%,其中金融类131.1亿美元,同比增长27.5%,非金融类1028.9亿美元,同比增长14.1%。全国对外直接投资规模与同期我国吸引外资规模仅差35.6亿美元,这也是我国双向投资按现有统计口径首次接近平衡。

1.China’s two-way investment was close to be even for the first time.According to the statistics by the Ministry of Commerce and the State Administration of Foreign Exchange, in 202_, Chinese enterprises made a direct investment overseas of US$116 billion, up 15.5% year on year.US$13.11 billion went to financial areas, up 27.5% year on year while US$102.89 billion went to non-financial areas, up 14.1% year on year.China’s direct investment overseas and attraction of FDI only got a balance of US$3.56 billion, which is for the first time that China’s two-way investment being close to be even in line with present statistics standards.二是企业海外并购取得突破。202_年我国大型对外投资并购项目投资领域呈现多元趋势。能矿领域继续成为投资热点，五矿资源等企业联营体以58.5亿美元收购秘鲁拉斯邦巴斯铜矿；国家电网公司以21.01亿欧元（折合25.4亿美元）收购意大利存贷款能源网公司35%

制造业领域并购活跃，联想集团以29.1亿美元收购美国摩托罗拉公司移动手机业务；东风汽车有限公司以10.9亿美元收购法国标致雪铁龙集团14.1%股权。农业领域跨国并购取得突破，中粮集团以15亿美元并购新加坡来宝农业公司和以12.9亿美元并购荷兰尼德拉公司，成为迄今农业领域对外投资最大的两个项目。

2.Breakthrough made in M&A overseas.In 202_, China’s major M&A projects overseas took on a trend of persification.The energy area continued to be an investment hot spot.China Minmetals Corporation acquired LasBambas with US$5.85 billion;the State Grid acquired 35% equities of CDP RETL with Euro 2.101 billion(equivalent to US$2.54 billion).The M&A in manufacturing was active.The Lenovo Group acquired Motorola’s mobile cellphone business with US$2.91 billion;The Dongfeng Motor Company Limited acquired 14.1% equities of PSA Peugeot Citroen with US$1.09 billion.The M&A in the agricultural industry also made breakthroughs.The COFCO acquired the Noble Group and Nidera with US$1.5 billion and US$1.29 billion respectively, being the two largest investment projects overseas so far in the agricultural area.三是对外直接投资产业结构继续优化。202_年对外直接投资产业门类广泛，涉及租赁和商务服务业、采矿业、批发和零售业、建筑业、制造业、房地产业、交通运输、仓储和邮政业等15大类，其中租赁和商务服务业372.5亿美元，采矿业193.3亿美元，批发零售业172.7亿美元，上述3个行业成为对外直接投资的主要领域。

3.The industrial structure of China’s FDI overseas continued to be optimized.In 202_, China’s FDI overseas covered wide and extensive areas, including the leasing and business service, mining, wholesale and retail, architecture, manufacturing, real estate, transportation, warehousing and postal service.Among others, US$37.25 billion was made in the leasing and business service, US$19.33 billion was made in mining industry, and US$17.27 billion was made in the wholesale and retail industry.The three industries are the main areas of China’s investment overseas.四是地方企业对外直接投资发展迅速。202_年，地方企业对外直接投资451.1亿美元，同比增长36.8%，占同期对外直接投资总额的43.8%，较上年比重增加7.2个百分点。其中广东、北京、山东位列前三，对外直接投资额分别为96.01亿美元、55.47亿美元、44.11亿美元。

4.Direct investment overseas by local enterprises maintained a rapid growth.In 202_, the direct investment overseas by local enterprises reached US$ 45.11 billion, up 36.8% year on year, accounting for 43.8% of the total, with an increase of 7.2 percentage points.Guangdong province, Beijing and Shandong province ranked the top three among the list, with a direct investment of US$9.601 billion, US$5.547 billion and US$4.411 billion respectively.五是企业更加注重当地利益融合，积极履行社会责任。例如中建集团在阿尔及利亚雇用当地分包队伍近300支，住房领域项目本地化采购率达85%，年当地采购额近4亿美元，该集团承揽的巴哈马海岛度假村项目已累计授予当地承包商和供应商合同额3.5亿美元，占总

20%。南车集团在马来西亚设立了东盟制造中心和维保中心，制造、销售和服务全产业链属地化。中铝集团在秘鲁的铜矿项目开工前先投资建设污水处理厂，解决了困扰矿区居民70年的水污染问题，还斥资2亿多美元为矿区建设了系列现代化城镇设施。(202_-01-21 10:30:18)

5.Enterprises paid more attention to integration with local benefits and positively fulfilled social responsibilities.For example, the China State Construction Engineering Corporation employed almost 300 local subcontract teams in Algeria, the localization procurement rate of housing projects being 85%, with an annual procurement value of US$400 million.Its Bahamas island resort project has granted a combined contract value of US$350 million to local contractors and suppliers, taking up 20% of the total contracting value.The CSR established the ASEAN manufacturing center and maintenance center in Malaysia, the manufacturing, sales and services chains being localized.The Aluminum Corporation of China invested in building a sewage treatment plant before starting its copper mine project in Peru to solve the water pollution problems worrying local people for 70 years, and also built a series of modern urban facilities with over US$200 million for the mine lot.对外承包工程方面。今年全年，我国对外承包工程业务完成营业额8748.2亿元人民币。以美元计为1424.1亿美元，同比增长3.8%，新签合同额1.18万亿元人民币。以美元计为1917.6亿美元，同比增长11.7%。新签合同额在5000万美元以上的项目662个，合计1578.2亿美元，占新签合同总额的82.3%。其中上亿美元的项目365个，同比减少27个。截至202_年底，对外承包工程业务累计签订合同额1.4万亿美元，完成营业额9351.6亿美元。

Contracted projects overseas.In 202_, the turnover of China’s contracted projects overseas amounted to US$ 142.41 billion(equivalent to 874.82 billion yuan), up 3.8% year on year.The value of newly-signed contracts was US$ 191.76 billion(equivalent to 1.18 trillion yuan), up 11.7% year on year.The projects each with a contract value of over US$ 50 million were 662, with a combined value of US$ 157.82 billion, taking up 82.3% of the total value of newly-signed contracts.Projects each with a contract value of US$ 100 million or more were 365, a decrease of 27 from that of last year.As of the end of December, the total contract value of China’s contracted projects overseas amounted to US$ 1.4 trillion, with a turnover of US$ 935.16 billion.对外劳务合作方面。全年我国共派出各类劳务人员56.2万人，较去年同期增加3.5万人，同比增长6.6%；其中承包工程项下派出26.9万人，劳务合作项下派出29.3万人。12月当月，派出各类劳务人员6.3万人，较去年同期减少2.9万人。12月末在外各类劳务人员100.6万人，较去年同期增加15.3万人。截至12月底，对外劳务合作业务累计派出各类人员748万人。(202_-01-21 10:30:48)

Labor service cooperation overseas.In 202_, labor service personnel dispatched overseas reached 562,000, an increase of 35,000 over the same period of last year, up 6.6% year on year.Labor service personnel sent overseas for contracted projects were 229,000 and those for labor

were 63,000, a decrease of 29,000 from the same period of last year.By the end of December, all labor service personnel sent abroad were 1.006 million, an increase of 153,000 compared with that of the end of December 202_.By the end of December, the labor service personnel dispatched overseas amounted to 7.48 million.五、关于服务外包情况

202_年，我国经济发展进入新常态，服务外包领域新技术、新业态、新应用模式不断涌现，服务外包产业逐步从规模快速扩张向量质并举转变。呈现以下主要特点：

V.Service Outsourcing

In 202_, China’s economic development entered a new normal, new technology, new commercial activities and new application models were constantly emerging and the service outsourcing industry changed from focusing on expanding scales to boosting quality and quantity simultaneously.Major characteristics are listed below.一是服务外包合同金额首次突破千亿美元。202_年，我国企业共签订服务外包合同20.4万份，合同金额和执行金额分别为1072.1亿美元和813.4亿美元，分别同比增长12.2%和27.4%。其中，承接离岸服务外包合同金额和执行金额分别为718.3亿美元和559.2亿美元，分别同比增长15.1%和23.1%。

The contract value of service outsourcing surpassed US$100 billion for the first time.In 202_, the number of contracts on service outsourcing signed by Chinese enterprises totaled 204,000, with the contract value and executed contract value of US$107.21 billion and US$81.34 billion respectively, going up 12.2% and 27.4% year on year respectively.The contract value and executed value of offshore service outsourcing reached US$71.83 billion and US$55.92 billion, with an increase of 15.1% and 23.1%.二是累计吸纳大学生就业超过400万人。202_年，我国服务外包新增从业人员71.1万人，其中大学（含大专）以上学历48.8万人，占从业人员总数68.7%。截止202_年底，我国共有服务外包企业2.81万家，从业人员607.2万人，其中大学（含大专）以上学历404.7万人，占从业人员总数66.7%。

More than 4 million university graduates were employed.In 202_, newly increased employees in the service outsourcing sector reached 711,000, among which 488,000 with college(including junior college)education or above, accounting for 68.7% of the total employees.As of the end of 202_, the number of enterprises in the service outsourcing sector totaled 28,100 with 6.072 million employees, including 4.047 million with college(including junior college)education or above, accounting for 66.7% of the total.202_年，我国承接离岸信息技术外包(ITO)、知识流程外包(KPO)和业务流程外包(BPO)执行金额分别为293.5亿美元、186.7亿美元和79亿美元，占比分别为52.5%、33.4%和14.1%，同比分别增长18.3%、30.9%和24.5%。以知识和研发为主要特征的离岸知识流程外包业务比重稳步提升。

The knowledge process outsourcing was improved steadily.In 202_, the executed contract value of offshore information technology outsourcing(ITO), knowledge process outsourcing(KPO)and business process outsourcing(BPO)reached US$29.35 billion, US$18.67 billion and US$7.9 billion, accounting for 52.5%, 33.4% and 14.1%, respectively, and with an increase of 18.3%, 30.9% and 24.5% respectively year on year.The proportion of offshore KPO business featured on knowledge and development and research was improved steadily.四是离岸业务以美欧港日为主。202_年，我国承接美国、欧盟、中国香港和日本的离岸服务外包执行金额分别为128.2亿美元、83.4亿美元、74.2亿美元和60.7亿美元，合计为346.5亿美元，占执行总额的62%。此外，离岸业务还向东南亚、大洋洲、中东、拉美和非洲等地区拓展。

The U.S., the EU, Hong Kong and Japan were major markets of service outsourcing.In 202_, the executed contract value in offshore service outsourcing from the U.S., the EU, Hong Kong and Japan was US$12.82 billion, US$8.34 billion, US$7.42 billion and US$6.07 billion, respectively, adding up to US$34.65 billion and accounting for 62% of the total execution value.Besides, the offshore business also expanded to such regions as Southeast Asia, Oceania, the Middle East, Latin America and Africa.五是与“一带一路”沿线国家合作加深。经贸合作是推进“一带一路”建设的基础和先导。202_年，我国承接“一带一路”沿线国家服务外包合同金额和执行金额分别为125亿美元和98.4亿美元，同比增长分别为25.2%和36.3%。其中承接东南亚国家的服务外包执行金额53.8亿美元，同比增长58.3%。通过开展服务外包业务合作，进一步加强与“一带一路”沿线国家的经贸联系。(202_-01-21 10:33:46)

The cooperation in service outsourcing with the countries of the Belt and Road Initiatives was deepened.Trade and economic cooperation is the basis and guidance to promote the construction of “the Belt and Road”.In 202_, the contract value and the executed contract value of service outsourcing from those countries reached US$12.5 billion and US$9.84 billion, respectively, with an increase of 25.2% and 36.3% year on year, respectively.The executed contract value of service outsourcing in Southeast Asia totaled US$5.38 billion, with an increase of 58.3% year on year.The trade and economic cooperation with the countries of the Belt and Road Initiatives was deepened by carrying out service outsourcing business cooperation.六、关于抗击埃博拉疫情对非援助举措落实进展

202_年初以来，部分西非国家相继爆发埃博拉疫情，中国政府先后提供了4轮总价值7.5亿元人民币的人道主义援助，包括提供防控物资、紧急现汇和粮食援助，派遣医疗队和公

4轮援助举措已落实到位。

VI.Progress in Implementation of Assistance to African Countries Resisting Ebola

Since the beginning of 202_, the Ebola epidemic has broken out in some Western African countries one after another.The Chinese government has provided four rounds of humanitarian assistance with a total value of 750 million yuan, including providing prevention and control materials, emergency assistance in cash and food aid, sending medical corps and public health experts, assisting in building biology laboratories and therapeutic centers.Up to now, the four rounds of assistance have all been put in place.物资和粮食援助方面，第四批援非抗疫物资已于上周通过空运方式运抵几内亚、塞拉利昂和利比里亚3国。海运物资将于1月19日和1月25日启运，预计3月中旬分批运抵。至此，中国政府共向几内亚、塞拉利昂、利比里亚、马里、加纳、贝宁、几内亚比绍、科特迪瓦、刚果（金）、刚果（布）、多哥、塞内加尔和尼日利亚等非洲有关国家提供抗击埃博拉防控救治物资共1800多吨。同时，通过联合国世界粮食计划署向几内亚、塞拉利昂和利比里亚3国提供了5500多吨粮食援助。

In terms of materials and food assistance, the fourth batch of materials arrived in Guinea, Sierra Leone and Liberia by air last week.The materials to be shipped by sea are scheduled for departure on January 19 and 25 and are estimated to arrive in March in batches.So far, the Chinese government has provided more than 1,800 tons of prevention and control and remedy materials for such relevant African countries as Guinea, Sierra Leone, Liberia, Mali, Ghana, Benin, Guinea-Bissau, Cote d’Ivoire, the Democratic Republic of the Congo, the Republic of the Congo, Togo, Senegal and Nigeria.In the meantime, Chinese government provided more than 5,500 tons of food assistance to the Republic of Guinea, Sierra Leone and Liberia through the United Nations World Food Program.援建生物实验室和治疗中心方面，截至上周，中国援塞拉利昂实验室检测队累计检测样本近4000份，收治患者600多例；中国政府援建利比里亚的治疗中心于去年11月25日启用，已接诊100多人，收治患者60多例，其中确诊5例，3例治愈出院。

With regard to assisting in building biology laboratories and therapeutic centers, by last week, the Chinese laboratory detection group in Sierra Leone had tested samples with an accumulative number of 4,000 and treated and cured more than 600 patients.The therapy center in Liberia built by the Chinese government was put into operation on November 25 and has ever since received more than 100 people and treated more than 60 patients, among whom five are confirmed and five are recovered and three were cured and discharged.派遣医疗队和公共卫生专家方面，1月13日和19日，第3批援助塞拉利昂移动实验室检测队和第2批人民解放军援利比里亚医疗队分赴塞拉利昂和利比里亚执行援非抗疫任务。至此，我国向疫区3国派出医务人员和公共卫生专家累计达到近800人。我援外医疗队探索总结出了科学有效的防护诊治方法，实现了医务人员自身“零感染”和住院患者“零交叉感染”，受到国际社会高度评价。

As to sending medical corps and public health experts, the third batch of mobile laboratory detection groups to Sierra Leone and the second batch of medical corps to Liberia left off on January 13 and 19, respectively.Up to now, the number of medical staffs and public health experts sent to the three African countries by China has accumulated to almost 800.Chinese medical teams have summarized scientific and efficient protection and treatment methods and realized the “zero infection” of the medical staffs and the “zero cross infection” of inpatients, which are highly thought of by international community.培训方面，目前，中国政府累计为塞拉利昂、几内亚、利比里亚、贝宁、几内亚比绍等国培训医护人员和社区骨干近6000人。中国政府将在继续坚持防治救护任务不松懈的前提下，继续增派公共卫生师资培训队伍赴有关国家，向非洲有关国家传授我国传染病防控经验。预计2月底培训总人数将达1万人。

For training, at present, the Chinese government has trained almost 6,000 medical staffs and community backbones in such countries as Sierra Leone, Guinea, Liberia, Benin and Guinea-Bissau.While unremittingly insisting on prevention and control and treatment, the Chinese government will send more public health training teams to relevant countries and pass on Chinese experience in infectious disease prevention and control.It is estimated that by the end of February, the total number of people participating in training will reach 10,000.此外，中国政府对开展抗击埃博拉疫情国际合作持积极开放态度，在对非援助过程中与国际社会开展了卓有成效的合作。一是向国际组织捐款。中国政府分别向世界卫生组织和非盟各捐款 200 万美元，向联合国应对埃博拉疫情多方信托基金捐款 600 万美元。捐款均已到账，联合国抗击埃博拉疫情多方信托基金总协调员雅尼克称，中方的捐款为各国树立了榜样，在中方的带动下，很多发展中国家纷纷慷慨解囊，体现出国际社会的团结与互助，确保了联合国特派团在医疗救护、安全埋葬、后勤支持等方面的工作有序推进。二是加强沟通和协调。中方积极参与联合国全球应对埃博拉疫情特派团核心小组定期会议，派员出任联合国应对埃博拉疫情特派团高级官员，在联合国与世界卫生组织的协调下实现各方优势互补，避免重复援助。三是同有关国家加强抗疫合作。中国与美国、英国、法国等国家在沟通协调、信息共享、疫情分析、人员培训、物资运送等领域积极探索和开展了抗击疫情的合作。

Besides, the Chinese government takes a proactive and open attitude toward international cooperation in resisting the Ebola and conducts effective cooperation with international community in assisting the African countries.One is donating to international organizations.The Chinese government has donated US$2 million to the World Health Organization and the African Union respectively and US$6 million to the multi-partner trust fund of the United Nations against the Ebola.The donations have been to the account.The general coordinator of the multi-party trust fund of the United Nations against the Ebola said that China sets a good example for various countries and encouraged by China’s example, many developing countries have given money generously one after another, reflecting unity and mutual assistance of international community and ensuring that the mission of the United Nations orderly pushes

is strengthening communication and coordination.China actively participates in the regular meetings of the mission of the United Nations against the Ebola, sends people to take up the post of executive of the mission of the United Nations against the Ebola and realizes the complementary advantages of all parties under the coordination of the United Nations and the WHO to avoid repeated assistance.The third one is enhancing cooperation with relevant countries in resisting the epidemic.China actively explores and carries out cooperation with such countries as the United States, Britain and France in such fields as communication and coordination, information sharing, epidemic analysis, personnel training and materials transporting.下一步，我们将着眼后埃博拉时期，全面研究启动中非公共卫生合作长远计划，积极推进中非医疗卫生领域全方位合作，分享我国“非典”应急防控的成果经验，帮助非洲改善医疗民生条件，建立健全公共卫生防控体系，促进经济社会发展，提升自主发展能力。(202_-01-21 10:36:48)

Next, we will consider the post-Ebola period in a certain aspect, fully study and launch the long-term plan of China-African public health cooperation, actively promote all-round cooperation in the health care field between China and Africa, share Chinese achievements and experience in preventing and controlling the “SARS”, help Africa improve the health conditions of local people, build and improve the prevention and control system of public health, promote the development of economy society and improve the ability of independent development.七、关于对马来西亚和斯里兰卡的紧急人道主义援助

近期，马来西亚和斯里兰卡两国遭受特大洪灾，造成重大人员伤亡和财产损失。为表达中国政府和人民对马来西亚、斯里兰卡政府和人民的慰问和支持，1月10日，中国政府决定向上述两国各提供202_万元人民币的紧急人道主义援助，用于帮助两国政府救助和安置受灾民众。

VII.Humanitarian Emergency Aid to Malaysia and Sri Lanka

Recently, Malaysia and Sri Lanka have suffered serious floods, causing heavy casualties and property loss.In order to express the sympathy and support of the Chinese government and people to the governments and peoples of Malaysia and Sri Lanka, the Chinese government decided to provide humanitarian emergency aid with a value of 20 million yuan for the two countries respectively to help them rescue and resettle the affected people on January 10.目前，中国政府在与两国政府对接、确认有关物资清单的基础上，首批援助物资2500顶帐篷已于1月15日和16日分两架次包机运抵并交付。中方还将根据需要继续提供活动板房等应急物资，以帮助安置更多受灾民众。

The first batch of materials, 2,500 tents, was delivered by two chartered airplanes on January

of the two African countries.China will continue providing emergency materials such as portable houses to help resettle more affected people according to their requirements.

第二篇：中国工商银行例行新闻发布会实录

中国工商银行例行新闻发布会实录

时间：202_年8月6日 地址：银监会403会议室

主持人：今天我们召开第四场银行业例行新闻发布会。今天我们请中国工商银行来进行发布。工商银行的发布主题是“创新发展互联网金融服务实体经济”，今天我们请到的发布人是中国工商银行新闻发言人、办公室主任高志新主任，电子银行部侯本旗总经理，产品创新管理部薛鸿健总经理、小企业金融业务部熊燕总经理。

接下来，我们请发布人高志新主任来介绍一下有关情况。

高志新：谢谢！各位新闻媒体的朋友，大家下午好！感谢大家出席工商银行专场发布会。今天我和我的三位同事将与朋友们就工商银行创新发展互联网金融服务实体经济和社会民生的相关情况进行沟通交流。

下面我简要介绍一下工商银行这方面的进展，之后请三位总经理一起回答大家的问题。

在座有的朋友可能参加过今年3月23号工商银行互联网金融发布会，我们发布了工商银行互联网金融品牌e-ICBC，也宣布了互联网金融战略的总体布局。近半年的时 间里，工商银行以三大平台和三大产品线为主体的互联网金融业务快速健康发展，较好地服务了实体经济的转型升级和大众创业、万众创新的时代需求。这里我先简要报一组数据：今年上半年，工商银行“融e购”电商平台交易额累计达到202_亿元，同比增长26.8倍；“融e联”即时通讯平台用户总数达到130万户，“融e行”直销银行平台交易额突破230亿元，整体呈现加速态势；快捷支付工具“工银e支付”客户突破6000万户，交易额突破800亿元，是去年同期的5.4倍；基于客户线上线下直接消费的个人信用贷款产品“逸贷”，余额超过1900亿元；契合小微企业“短频急”融资需求的互联网贷款产品“网贷通”，累计向7万多家小微企业发放贷款1.73万亿元，余额超过202_亿元；依靠大数据技术开发的纯信用贷款产品“公司逸贷”，累计发放贷款87.3亿元。

总的来看，工商银行的互联网金融发展有四个特点：

第一，工商银行互联网金融坚持服务实体经济的本源。今年上半年，工商银行在支持实体经济稳增长、调结构和提质增效方面有三个亮点，其中突出的一个亮点就是互联网金融成为服务实体经济的一个重要方式。目前工商银行正在对信贷服务模式进行一系列创新，其中一个重要方面就是利用互联网金融和大数据手段，将信贷业务划分为标准化和专业化两大基础类别，实行差异化的经营管理。标准化服务主要是对一些基于物流、资金流和信息流的“三流合一”，额度相 对较小、适合标准化作业的信贷服务，将重点通过开发互联网金融产品，开展纯线上的融资服务。专业化信贷服务，主要是针对一些复杂的大客户、大项目和大宗信贷业务，以及少量小微企业的个性化等非标准化信贷业务。这主要是说线下的，过去讲传统的信贷模式，当然它也会有一系列的流程和机制的转换，有线上线下两类创新和分开的管理。线上这一块，近年来我们在这方面已进行了很多创新和探索，推出了面向个人、基于消费的“逸贷”、面向商户的“公司逸贷”以及面向小微企业的“网贷通”等产品。今年上半年，我们又对这类标准化信贷产品进行全面整合、整体开发，以逐步实现纯线上、集约化经营。前不久，我们成立了个人信用消费金融中心，全面发展无抵押、无担保、纯信用、全线上的个人消费信贷业务，支持居民扩大消费和消费升级。近期还将成立全行统一的网络融资中心，全面开发运营面向个人和法人的标准化线上融资产品，特别是适应小微企业“短频急”融资需求特点的线上融资产品。当然，线上标准化与线下专业化的有机结合是我们的优势，如对小微企业的非标准化信贷业务，我们通过小微中心实行集约化专业经营，进一步提升小微企业融资的便利性和可获得率。到6月末，我行小微企业贷款余额达1.8万亿元，上半年实际增加1065亿元，增幅6.2%，贷款客户同比增加2.16万户，申贷获得率提高至91%，达到“三个不低于”的监管要求。

第二个亮点是信贷增量与信贷存量并轨管理有机融合。上半年我行新增本外币贷款6226亿元，增幅5.6%，累放贷款4.65万亿元，相当于新增量的8倍，其中收回移位再贷1.02万亿元，加上新增实际新投放信贷总量达1.6万亿元，将更多的存量信贷资用于支持实体经济发展的重点领域和薄弱环节。这里面最重要的一个指标就是收回再贷1.02万亿元，这是什么意思？贷款到期之后，如果还继续给这个企业，这不叫收回再贷。收回再贷，比如这个项目建成了，贷款回来了，肯定用在别的新项目上去。再比如个人按揭贷款，他还了之后肯定会用到别的地方去，要把这些用好，真正用在国民经济发展的重点领域和薄弱环节。

第三个亮点是信贷和非信贷融资有机融合。以前关注比较多的是贷款增加了多少，其实融资工具是非常多样化的，资本市场和直接融资工具的创新发展非常快，工商银行也特别注重这方面的创新，把信贷和非信贷融资有机结合起来。上半年债券承销、金融租赁、委托贷款等非信贷融资累计办理5215亿元，成为支持实体经济重要的资金来源。其中，主承销各类债务融资工具居国内同业首位；银团贷款总额居亚太地区银团业务牵头行、簿记行榜首。

工商银行的第二个特点是互联网金融发展的重心还是在金融。互联网金融不管融合了多少互联网技术的特征，其创新发展仍离不开金融的基本功能和属性，互联网金融的本质还是“金融”。工商银行推出电商平台开展跨界服务，可是我们建设电商平台不是为了靠商品经营盈利，而是为了实 现商品交易与支付、融资等金融功能的无缝结合来提高客户粘性和活跃程度，拓展信息数据积累应用的深度和广度，创新出更为贴近市场、更加符合客户需要、更富效率和价值的金融服务，探索一条“以融引商，以商促融”的电商平台发展新路。

第三个特点，是互联网金融发展中注重利用金融杠杆服务各行各业实现“互联网+”。大家都关注到“互联网+”正由消费领域加速向生产经营、政府服务等领域拓展。工商银行通过大力发展B2B商城、B2G采购平台，使之成为服务政府机构、集团公司、企业供应链的“云”平台，打造“互联网+产业+金融”的多方共赢发展模式，带动各行各业实现“互联网+”。

第四个特点，工商银行的互联网金融走的是线上线下一体化发展的道路。现在工商银行超过87%的业务是通过电子银行渠道办理，三分之一的客户基本不来银行，主要通过互联网办理业务。但同时线下网点中高端客户总量和业务占比却呈增长之势，这说明网点在办理复杂业务，以及支持客户个性化、差异化服务有着不可替代性作用。从这个意义上讲，工商银行在境内近1.7万家网点以及连通全球40多个国家和地区的300多家境外机构，是区别于其他互联网企业的优势。因此，我们利用互联网理念和技术，加快对线下网点进行智能化改造，并在境内已符合条件的1.5万多家网点全面开通WiFi服务，发挥网点在客户引流、业务拓展方面的作 用。同时，通过推出适应不同人群的APP以及融e购、手机银行等线上平台，我们将实现线上线下全渠道业务接入的整合、信息共享与流程互通，从而构建起线上线下一体化的应用场景，进一步提升客户体验和服务效能。

各位媒体朋友，关于工商银行创新互联网金融服务实体经济方面的情况，我就先简要介绍这些，下面请大家提问。

提问环节

经济日报：首先我想追问一个问题，您刚刚提到我们将会成为一个网络融资中心，能不能再详细介绍一下相关的情况以及产品的形态？第二个问题想请问侯总，关于直销银行我知道从国外的实践看，不少是以独立法人的形式在运行，工行有没有试水独立法人的规划？前段时间有消息称，交行在探索引入民营资本，考虑是不是存在成立互联网金融子公司的可能性。我想请问，工行对于这种有可能出现的新的组织形式有什么样的看法？

高志新：工行网络融资中心下个月可能就要正式挂牌，具体情况到时候挂牌时我们会一起发布。

侯本旗：直销银行大家都比较关注，我们的直销银行叫“融e行”，也已经上线营运一段时间了。它有两大特点，一个是便捷服务，第二是完全开放，只要是国内银行的客户，都可以通过电子账户来体验工行的产品和服务。

具体到直销银行的运作，国内各家银行也都在探索，我 们实践中也在探索，在探索这块业务到底怎么做，跟其他的业务怎么样协同。刚才你谈到的问题，有没有作为独立法人的打算，至少现在还没有这方面的考虑。

我们整个互联网金融这一块业务发展比较快，在组织架构方面现在还没有大的变化。当然我们也非常关注业务协同的问题。6月1日我们成立了一个新的机构，叫互联网金融营销中心，来统筹全行的互联网产品营销组织和推广。我们的架构是三大平台三大产品线，涉及到很多部门，涉及到总行、分行、支行，怎么样统筹、怎么样协同也是我们一直考虑的问题，所以我们专门成立了这个中心。它的主要职能就是统一负责三大平台的运营，统一组织三大产品线的推广，尤其是直接负责一些重要客户线上市场的拓展。我们想通过这么一个中心，能够加快专业间的协同，能够加快总分行的联动，能够形成一个线上线下一体化的新型营销格局。

你关注的问题很重要，“互联网+”表面上是一个技术的变化，它背后可能会引发新的业务做法、新的业务模式、新的业务组织架构的可能性。我们在做业务的同时也关注外部监管环境的变化和同业的情况，我们会根据这些变化来调整自己的发展策略，来研究怎么样服务好实体经济，怎么样推动普惠金融的发展。在这些方面，我们会根据工行自身的特点，走一条有工行特色的互联网金融发展道路。证券时报：刚才讲到工行会关注监管环境的变化，刚刚十部委出台了关于互联网金融发展的指导意见，工行这边怎么样看待这个指导意见？您认为这个指导意见对第三方支付和P2P新兴互联网业务做了哪些规范，对工行的互联网金融业务会有什么样的影响？

薛鸿健：我们认为《指导意见》对于促进互联网金融健康发展有重要的意义。首先，工商银行对于发展互联网金融是抱着开放、共享、创新、包容的心态，并且一直致力于和各方携手，共同打造健康良性、包容开放、生机蓬勃的互联网金融生态。我们看到，《指导意见》在鼓励创新、支持互联网金融健康发展方面提出了很多积极的政策措施，例如鼓励互联网金融平台、产品和服务创新；鼓励从业机构相互合作，实现优势互补；拓宽从业机构融资渠道，改善融资环境；相关政府部门简政放权，提供优质服务，营造有利于互联网金融发展的良好制度环境；落实和完善有关财税政策；推动信用基础设施建设，培育互联网金融配套服务体系等等。这些措施的出台和付诸实施，将有利于建立一个更加完善的互联网金融创新和产业生态环境，有利于金融机构互联网金融的健康快速发展。

同时，《指导意见》鼓励银行业开展业务创新，为第三方支付机构和网贷平台提供资金托管、支付清算等服务，这也有利于拓展银行的业务领域。

随着《指导意见》各项措施的实施，我们觉得互联网金 融将来会呈现出一个更加健康的发展态势。当然对商业银行，包括对工商银行的创新和服务能力也会提出更高的要求，我们会加大互联网金融的创新力度，进一步完善e-ICBC的产品和服务体系，努力为客户提供集信息、商务、金融于一体的综合化服务，并且更加注重用更好的服务体验来满足客户的需求。比如我们会大力拓展客户需要的生活场景，丰富产品，提高客户黏性。同时工商银行也会进一步应用大数据研发更多满足小微企业需要的互联网信贷产品。

农村金融时报：今年以来，微众银行、网商银行这些纯线上银行开张，有观点认为未来很多小微企业线上贷款会通过这些机构来做。我不知道工行在这方面有没有感受到压力？工行在“互联网+”方面，对小微企业贷款方面有什么样的举措？

熊燕：通过互联网技术来服务小微企业，对于小微企业来说是一个福音。工商银行这几年以来一直致力于服务实体经济、服务小微企业。小微企业的特性决定了它们和互联网的大数据、信息化这一块契合度非常高。刚才高志新主任在介绍我们服务实体经济的时候已经讲到这个方面，工商银行在线下建立小微企业专营机构的基础上，依托在大数据挖掘应用上得天独厚的优势和巨大潜力，通过商品流、资金流、信息流“三流合一”构建了全新的小微企业管理服务模式，为在有效控制实质风险的前提下，提升小微融资可获得性和 便利性创造了条件，取得了重要的进展。

在小微企业的融资创新方面，我们一直在做这方面的努力，怎么通过互联网的技术与我们传统的信贷结合来做这方面的产品创新。比方说通过POS商户收单的信息流，根据这些情况来做一些公司逸贷的产品。比如跟第三方电商平台的合作，包括我们融e购电商平台的开发，基于商品流、资金流、物流来做网上贷款。我们有一款产品叫“网贷通”，它的特点就是我们在线下签订担保合同，在线上可以随时在线申请、在线提款、在线还款，这是非常契合小微企业资金需求短、频、急的特点，显著提高了融资的便利性。今年上半年我们“网贷通”贷款的余额是2400多亿，其中小微客户是2200多亿。

再以小微企业电子供应链融资产品为例，针对小微企业贸易融资频度高、金额小，而传统手工模式手续复杂、效率低的特点，我行通过与核心企业合作，将我行业务系统与供应链核心企业的ERP系统实时对接，将网络融资完全嵌入供应链交易当中，通过信息流、物流及资金流信息的相互验证，为小微客户办理信用融资。这一产品大大提高了小微企业申请贷款、银行审批、回笼货款的效率，而且通过核心企业有效信用支持，无须提供额外担保，解决小微企业提供担保难的问题。截至6月末，我行已与32户核心企业开展电子供应链融资业务，为供应链上下游客户累计发放融资71.4亿元。下一步，我们还会进一步推出纯信用的线上小微企业贷 款，在控制实质性风险的前提下，通过更多的手段来满足小微企业资金需求。

在整体的存量贷款改造方面我们也做了一个很大的尝试，刚才有记者问到网络融资中心的问题，我们计划9月份挂牌，具体情况到时候再发布。工商银行11万亿的贷款里面，通过互联网、网络融资的产品，占比在4%到5%左右的量，这里面我们还想做一些改造，通过研发推广线上融资服务、运用互联网信息技术优化信贷服务模式，加快提升小微企业融资的便利性和可获得率。这个中心今后主要的只能，是为个人客户、公司客户、小微企业客户提供一个统一的网络融资产品创新平台、研发平台，推广平台。今年上半年，工商银行率先完成了对部分金额小、周转快的小微企业贷款、银行承兑汇票等业务的网络化改造，先期已办理网络化融资258亿元。经过互联网改造以后，这些业务可以实现客户线上一键式操作办理贷款，实现了对小微企业高效便捷、全天候的融资服务。

在风险控制方面，小微企业的一个特点是风险比较高、信息不对称，因为信息不对称导致了风险高，导致了融资难。工商银行发挥大数据技术优势，对潜在风险进行集中监测、系统预判、及时预警，构建了智能化的风险防控体系。作为数据依赖型行业，银行具有完整的数据收集、整理和应用体系。工商银行所积累的数据规模大、历史长、且是真实的交易记录，是一座蕴含无限价值的“宝藏”。我们从202_年就 开始建设数据仓库和集团信息库“两大数据基础平台”，实现了对全部客户、账户、交易等信息的集中管理，目前存储的数据量超过1300万GB，且还以前所未有的速度爆发式增长。以客户信用记录为例，我们对个人客户和法人客户的违约率、违约损失率数据的完整积累长度分别超过了8年和6年。我们在总行专门成立信用风险监控中心，在全面梳理行内系统数据的基础上，引入行业共享数据、工商登记、海关进出口贸易、外部欺诈、网络舆情等外部信息，并对内外部数据信息进行整合、校验和挖掘，为信用风险监控提供数据支持。目前，工商银行已实现了对全行超过10万亿信贷资产和每年8-9万亿累放贷款的动态风险监测和实时预警控制，并能全流程监测到每一个机构、每一户企业、每一笔贷款的具体运行情况，提高了风险管理的前瞻性和有效性。

未来，工商银行将继续加大小微企业融资的网络化改造，加快实现小微企业的标准化、精品化、规模化发展，致力于为小微企业提供“全客户、全产品、全天候”的金融服务。

路透社：刚才我看有媒体同行也问到互联网监管规则的问题，从一个宏观层次来说，确实是创新的。近期人民银行发布了《非银行支付机构网络支付业务管理办法（征求意见稿）》，很多市场人士认为压缩了第三方支付的发展空间和创新模式。工行作为银行业互联网金融发展最快的银行之 一，对于这个监管规则怎么看？包括这个监管规则推出之后，这个新规对于工行的业务上会有什么影响？

薛鸿健：我来回答一下你的问题。对于《非银行支付机构网络支付业务管理办法（征求意见稿）》我们非常关注。这里面主要是对非银行支付机构的网络支付业务进行规范，但其中也涉及支付账户与银行账户的关系等问题，对此我们将进行认真研究，并将根据最终生效的管理办法依法合规开展相关业务。

金融实质是管理和经营风险的行业，服务效率与风险控制，换句话说服务的便捷性与安全性，始终是需要平衡的一对矛盾。应该说，网络支付业务管理办法有关限额管理的规定是对保障客户资金安全和支付便捷性的一种兼顾和平衡的考虑。相信在征求公众意见后，管理办法一定能够更加完善，更能体现互联网金融发展的规律，进一步促进支付服务市场的健康发展。作为支付服务市场的参与者，我相信工商银行未来的支付结算业务也会继续得到健康的发展。

北京晨报：我有几个问题想问一下，一个是关于“融e购”的问题，工行推“融e购”这一块的力度非常大，但是从电商这一块和天猫、京东还是有一定的差距。未来工行在“融e购”这一块，会有一个什么样的发展模式？是沿袭天猫或者京东，还是有自己的模式？

侯本旗：“融e购”我来说说。我们工行“融e购”商城 现在在初创期，所以刚才你说跟他们有一些差距，更客观的说，差距还比较明显，因为他们都是经营了十几年的商城了，我们在交易额和流量方面，和他们相比还不是很高。在服务上面，也在借鉴他们的一些做法，来提升我们的服务水平。另外一个特点是发展特别快，上半年交易额同比增长26.8倍，是去年全年的3倍，到7月底是去年全年的4倍，一直呈加速发展的态势。为什么会有这么快的增长？关键就是业务模式。开始做电商我们也没有经验，也没有人才，重点考虑的问题就是，作为银行我们的电商到底怎么做？我们分析了一下有代表性的两个电商，一个是天猫，一个是京东，天猫最值得我们借鉴的是他的开放模式，他自己是不做经营不做产品的。京东值得我们借鉴的是他的产品质量，他是自己经营来掌控质量。我们的模式是将这两个好的东西结合在一起，把我们的商城定义为名商、名品、名店这种错位的竞争，是好的商品和服务，而不一定是产品要多少，当然好的东西越多越好。我们提出了两个方向，第一个是真，作为线上的交易，产品的质量要高。我们做真又不能像京东一样直营，那怎么办？我们想了一个办法，我们选择商户，“融e购”上的商户都是我们邀请来的，我们不接受报名，我们根据市场的反映，邀请好的商户到我们这儿来经营，而且我们要求商家直营，自己卖自己的东西他就不会拿假的东西来卖。有的企业说我经营模式不一样，我自己不销售，我们就请商家指定一家代理来我们这个商城。所以通过选择商户，保证了商品的质量。

另外一个特点对于商户有吸引力，我们把它叫做值，什么叫做值？就是不收费。商户在“融e购”电商平台上来经营没有入驻费，没有交易佣金，也没有宣传推广费，对于商户来讲，他的经营成本节约了很大一部分，节约了以后，商户为了扩大销售，他又通过做营销活动，通过价格优惠，通过商品分期付款的贴息来扩大他的销售。很多产品在我们这个平台上有一些价格方面的优势，这个产品质量有保证，价格又公道，就会吸引更多的客户进来，客户多了以后，又会吸引更多的商户进来，所以这个平台就做起来了。“融e购”是很好地体现平台的双边效应，双方互相吸引的一种趋势。

发展快关键问题还是定位的问题。由于这个定位，所以我们的“融e购”商城在商业模式上跟其他的电商平台最大的不同在于，我们是一个免费的平台。不收费怎么样生存、怎么样发展？作为银行，我们关注的是延伸的机会，交易延伸的结算机会、融资机会和获取新客户的机会。我算了一下数，去年全年是这样，到现在也是这样，在“融e购”商城上经营的商户有1/3原来不是工商银行的客户，这些公司原来跟工商银行没有关系，因为它们的商品好，我们邀请它们来经营，它们就来了，它们一来结算账户也来了，平台也来了，贷款也来了。所以这个平台更好地体现了平台的另外一个特点，就是网络的外部效应。有一次讨论时我讲到，“融e购”电商平台是平台效应最好的例子，两个特点，一个是 双边效应，一个是网络外部效应。

关于今后的发展，我们还是继续这样一个定位，对未来的发展我们还是比较有信心的。今年4月20号，我们跟云南大理市政府做了一个合作项目，大理有很多小客栈，有很多旅行社，他们跟外部对接渠道不是很通畅，也没有自己的网站，我们跟172家商铺进行了合作，有客栈，有旅行社，一起合作推出了六项服务，吃、住、行、网、娱、用，推出以后我们没有想到交易量会这么大，到现在为止交易额已经突破了3亿。3亿对我们银行来讲，不是很大的数，但是对于大理旅游细分市场来讲，是一个很大的数，通过这个我们服务了172家小微企业，原来他们都是通过其他的平台来交易，其他的平台会收他们的渠道费，高的要收20%，而我们是免费服务。

另外一个是卖樱桃。山东栖霞亭口镇是有名的“大樱桃之乡”。4月份开始整个活动期间“融e购”卖了20万斤樱桃，他们绣了一个锦旗给我们送过来，说比其他的平台加起来还要多。樱桃好吃但不好存，我们迅速的帮他们把樱桃卖掉了。

前几天有一个记者很细心，发了一个新闻说我们工行的“融e购”卖iPhone手机卖得比靠卖通讯产品起家的大型电商还要多。主要原因就是分期付款、商户贴息，分期付款手续费买手机的人一分钱都不用付，是商户为他贴的。我们还尝试着做不一样的营销，今天我们卖了1000台iPhone、200台iPhone6，为什么这么快卖完了？因为中国队在东亚杯上 昨天踢进了两个球，踢进一个球，降888块，踢进两个球，降1000块。很多事情我们也没有想到，电商平台在促进实体经济发展、帮助消费者方面做出了这么多的事情。也感谢你关注“融e购”的发展，你如果成为我们用户以后，有好消息再推荐给你。

第一财经电视：在前段时间出现P2P跑路的事情，有媒体说今后P2P平台的资金存管必须通过银行来存管。我想问下一步工商银行这方面有没有开展新项目的计划？另外在之前的时候，P2P通常会把自己的资金存管在第三方支付机构，把资金存管在银行和存管在第三方支付机构有什么模式上的区别？

薛鸿健：我来回答一下你的问题。互联网《指导意见》已经明确P2P的从业机构应该选择银行作为资金的存管机构，本着促进互联网金融健康发展的宗旨，工商银行正在开展对P2P资金存管进行研究。

至于你刚才问到的第二个问题，我介绍一下银行是怎么做资金存管或者托管业务的。目前工商银行可以为证券投资基金、保险资产、企业年金、理财资金提供整个总分账户的托管业务，大概托管的证券资金规模超过1万亿，保险资产超过2万亿，企业年金超过3万亿，理财资金超过1.5万亿。工商银行的资金托管包括投资的清算、交易的监督、风险的分析等一系列的托管业务。作为金融领域领先的资产托管银 行，开业以来我们始终保持非常好的行业领先的运作进度，托管交易的差错率也非常低，满足了不同的投资机构在不同市场上投资所需要的资金托管业务的要求。

金融时报：现在我们看到很多互联网公司，包括银行在内都在打造自己的互联网平台，工行也提出自己打造三大平台。能否简单介绍一下工行三大平台下一步的战略规划？另外，怎么看待跟这些机构之间的竞争，包括银行之间的竞争？

侯本旗：平台是一个很热门的话题，有一本书叫《平台战略》，我同意他其中一个观点，今后大公司的竞争是产品和服务的竞争，但是更重要的是平台的战略。平台有明显的双边效益和网络外部性，像滚雪球一样，吸收各种各样的资源，提供各种各样的机会。在工行的互联网战略中一个重点就是打造三大平台，“融e购”电商平台刚才做了一些介绍，上半年交易额是202_多亿，今年我们的任务是5000亿，5000亿是个什么概念？去年B2C平台全国排名下来，只有两家的交易额超过1000亿，“融e购”这个平台我们内部叫开局良好。

另外一个平台叫“融e联”即时通讯平台，我们的口号是“把客户经理带在身边”，通过这个APP下载以后，可以直接找到客户经理。这种方式我们推广好了以后，可能会颠覆目前的银行客服方式。现在银行客服很多时候是靠客服中 心，打电话进来，我们这些客服人员接听，首先验证你是谁，你有什么事儿，很大程度上是陌生人的被动式应答。“融e联”这个平台推出以后，很可能这个服务变成熟人间的双向沟通，客户经理知道你是谁，知道你的大概背景，知道你的行为习惯，客户经理也可以回答问题，也可以做一些主动的营销推送，这跟原来的模式就完全不一样。

第三个平台就是直销银行平台，我们已经开发出来，也在探索跟其他业务的协同。

另外一个更大的平台是我们的网络银行平台，我们正在重构我们的网络银行服务。有两个特点，一个是整合。各家银行的服务都是这样，从柜面开始做到网上银行的服务，一套系统；做到手机银行的服务是一套系统，短信银行的服务一套系统。我们现在手机银行和网上银行整合，一个用户名，一个密码，一个账户体系，有同样的服务，手机和PC都是兼容的。还有一个特点是开放，比如不用先登录就可以看到各种各样的服务，非工行的客户也可以用工行的网络银行服务，同时我们的平台也向金融同业开放等。开放的目的还是想抓住平台的优势，发挥平台的双边效应，我们开放以后，客户就知道到工行的网络银行平台能找到最好的金融服务。全国人民都知道到工行的网银上面，有各种各样的综合性服务。工商银行有很好的客户基础，现在网银的用户有2亿户，手机银行的用户有1.6亿户，具备很好的打造一个综合性、开放式金融服务平台的基础。简单一句话，我们重视平台的 构建，做好三大平台的同时，也在构建开放式的网络银行服务。

做这些事情的时候，我们真的没有太考虑到跟同业怎么竞争，我一直觉得李善友教授有一句话说得特别好，“你以为你的对手是友商，实际上你的对手是时代”，我们做这些事情的目的都是为了顺应移动互联网的发展，为了顺应客户行为的变化，来改善我们的服务。

主持人：今天发布会时间到了，屏幕上面已经给到了联系方式，如果各位媒体还有什么事，可以跟上面的联系人联系。谢谢大家！

第三篇：十二届全国人大一次会议新闻发布会(中英双语)

十二届全国人大一次会议新闻发布会

China is ready for the opening of the annual session of its top legislature, with all delegations having arrived in Beijing, according to the session's press center on Sunday.周日，十二届全国人大一次会议举行新闻发布会，宣布所有代表都已到达北京，中国一年一度最大的立法会议即将开幕。

By Sunday evening, preparations for the first session of the 12th National People's Congress(NPC), scheduled to open on March 5, have been fulfilled, said the press center.发布会上称，直至周日晚，即将在3月5日开幕的十二届全国人大一次会议的所有准备都已完成。

This year sees a newly-elected national legislature made up of 2,987 deputies from across the country.今年共有来自全国各地的2987名代表被选出，参与国家立法。

Interpreters are rallied to provide simultaneous interpretation for deputies from ethnic groups, which usually keep using their own languages.少数民族代表在参会时一般使用少数民族语言，因此会上有口译员为少数民族代表提供同声传译。

Documents for the meeting have been translated into languages used by the ethnic groups, including Mongolian, Tibetan, Uygur, Kazak and Korean.会议的文件已被译成了各少数民族的语言，包括蒙古语、藏语、维吾尔语、哈萨克语以及朝鲜语。

Documents in English, French, Spanish, Russian, Japanese, German and Arabic languages will also be available for foreign media and diplomats during the session, the press center said.发布会称会议同时也为外国的媒体和外交使节提供了英语、法语、西班牙语、俄语、日语、德语、阿拉伯语的文件。

This year's NPC session will witness more use of electronic documents to reduce the cost.Also, there were no welcoming ceremonies upon the arrival of NPC deputies.今年的全国人民代表大会上会使用更多的电子文档以节约成本。另外，今年的人大没有为到达的人大代表举行欢迎会。

Beijing police have canceled the traditional practice of escorting NPC deputies and political advisors with police cars on their way to the Great Hall of the People where the sessions are held.今年，往年人大代表和政治局委员到场都由警车护送到人民大会堂，今年北京警方取消了这一惯例。

In January, the NPC Standing Committee said in a statement that expenditures will be tightened for the first session of 12th NPC.全国人大常委会一月时宣布将严格控制十二届全国人大一次会议的支出。

It promised to limit the intensity and duration of traffic controls during the session and keep road closures to a minimum.同时常委会也宣布将限制大会期间的交通管控，将道路管制降低到最小程度。

All deputies will eat at buffets without expensive food or alcohol, while extravagant galas, gifts and performances will not be arranged.今年为全体代表准备的宴会上将没有昂贵的菜肴和酒水，也不会安排奢侈的晚会、礼品以及节目演出。

第四篇：中英双语自荐信

尊敬的领导:

感谢您抽空垂阅我的自荐信!

本人XXX，男，1986年生于大内密探,从小就受到良好的家庭教育，而且在父母的言传身教下我很早就树立了自己正确的人生观和价值观，并懂得了如何在生活中磨炼自己。

202_年2月我被河北大学录取，并选择了适合自己学习的国际经济与贸易专业。一直以来我学习刻苦，勤于钻研，在四年内，学院给了我得智体美全面的教育，科学的安排了;国际贸易、国际工商管理、财务会计、国际结算、市场营销等课程。四年期间修完全部课程并顺利地通过了计算机国家二级、英语 四级等等级 考试。适应社会和公司对人才的要求。

为了锻炼自己、服务大家，在大学期间我积极地加入了学院大队学生会，并担任班长一职。在担任班长期间，由于我的积极工作、努力学习，为队里做出了一定的贡献，取得了一定的成绩，曾分别在五四评优和学期评优中被评为“优秀学员”。此外我独立完成了学院科研项目《XXXXXX》，并获得专家教授的一致好评。

大

一、大二暑假期间为了培养自己的能力，了解社会。曾在《XXX》杂志社从事撰稿工作，得到了编辑部的一致好评。后在世纪文学，幻剑书盟等文学网站驻站写文，其中《XXXX》一文获得了近3万次的点击量。

身为军校地方生的我性格开朗，勤奋好学，乐观、自信、责任心强;接受能力强，有强烈的集体荣誉感和上进心。乐于与人相处，与身边的人相处融洽，具有团体合作精神;为人正直，工作认真负责，能吃苦耐劳，做事严谨;缺点是性格比较浮躁。

希望您能给我一次施展才能的机会，相信我定能胜任我的工作，为公司的发展作出我最大的贡献。

Respected leaders:

Thank you for your time reading my Zi Jianxin!

I XXX, male, born in 1986 XXXXXX, who are well on family education, and parents in their words and deeds that I have set a very positive view of life and their values, and know how to live in their own temper.On the X XXXX XXXXXXXXX I was taking, and to choose a suitable learning international economic and trade professionals.I have been studying hard, diligent study, in four years, the academy has given me a full-chi of the United States Educational, Scientific arrangements for the international trade, international business management, financial accountin

g, international settlement, marketing, and so on.Complete a full course of the four-year period and smoothly through the computer two countries, such as grade four English examination.On the needs of the community and corporate talent requirements.In order to temper themselves, all services in the college, I actively joined the Union College group, and served as a squad leader post.In the squad, as a result of my active work, study hard, for the team made their contributions, and achieved certain results, respectively in the May 4 pingyou pingyou semester and be rated as “excellent students.” In addition, I completed an independent research institutions, “XXXXXX”, and access to experts and professors of the acclaim.Freshman, sophomore during the summer vacation in order to develop their own capacity to understand the community.In the “XXX” in the magazine's contributors, the editorial department received the unanimous praise.After the century literature, such as literature Huanjianshumeng site in the station to write text, which “XXXX,” it was nearly 30,000 times clicked on.As a military academy where students I open person Qifenhaohua, optimism, self-confidence, a strong sense of responsibility;accept strong, have a strong collective sense of honor and self-motivated.Happy to live with the people, and people around the living together harmoniously, with groups in the spirit of human integrity, work responsibilities seriously, to hard-working, have strict shortcomings are character impatient.I hope you will give me a chance to display, I believe I will rise to the work of the company's development of my biggest contribution.ok！

阅读本文的人还同时阅读了：自荐信的基本写作自荐信封面--扬帆

第五篇：中英双语美文集锦

圆学子梦想 铸金字品牌

双语美文集锦

Passage 1 Learn to Live at the Present Moment

To a large degree, the measure of our peace of mind is determined by how much we are able to live at the present moment.Irrespective of what happened yesterday or last year, and what may or may not happen tomorrow, the present moment is where you are—always.Without question, many of us have mastered the neurotic art of spending much of our lives worrying about a variety of things—all at once.We allow past problems and future concerns dominate our present moments, so much so that we end up anxious, frustrated, depressed and hopeless.On the flip side, we also postpone our gratification, our stated priorities, and our happiness, often convincing that “someday” will be much better than today.Unfortunately, the same mental dynamics that tell us to look toward the future will only repeat themselves so that “someday” never actually arrives.John Lennon once said, “Life is what is happening while we are busy making other plans.” When we are busy making „other plans‟, our children are busy growing up, the people we love are moving away and dying, our bodies are getting out of shape, and our dreams are slipping away.In short, we miss out on life.Many people live as if life is a dress rehearsal for some later date.It isn‟t.In fact, no one has a guarantee that he or she will be here tomorrow.Now is the only time we have, and the only time that we have any control over.When we put our attention on the present moment, we push fear from our minds.Fear is the concern over events 圆学子梦想 铸金字品牌

that might happen in the future—we won‟t have enough money, our children will get into trouble, we will get old and die, whatever.学会活在此刻

我们内心是否平和在很大程度上是由我们是否能生活在此刻所决定的。不管昨天或去年发生了什么，不管明天可能发生或不发生什么，现实才是你时时刻刻所在之处。

毫无疑问，我们很多人掌握了一种神经兮兮的艺术，即把生活中的大部分时间花在为种种事情担心忧虑上——而且常常是同时忧虑许多事情。我们听凭过去的麻烦和未来的担心控制我们此时此刻的生活，以致我们整日焦虑不安，萎靡不振，甚至沮丧绝望。而另一方面我们又推迟我们的满足感，推迟我们应优先考虑的事情，推迟我们的幸福感，常常说服自己“有朝一日”会比今天更好。不幸的是，如此告诫我们朝前看的大脑动力只能重复来重复去，以致“有朝一日”不会真的来临。约翰·列侬曾经说过：“生活就是当我们忙于制订别的计划时发生的事。” 当我们忙于制订种种 “别的计划” 时，我们的孩子在忙于长大，我们挚爱的人离去了甚至快去世了，我们的体型变样了，而我们的梦想也在消然溜走。一句话，我们错过了生活。

许多人的生活好像是某个未来日子的彩排。并非如此。事实上，没人能保证他或她明天肯定还活着。现在是我们所拥有的唯一时间，现在也是我们能控制的唯一的时间。当我们将注意力放在此时此刻时，我们就将恐惧置于脑后。恐惧就是我们担忧某些事情会在未来发生——我们不会有足够的钱，我们的孩子会惹上麻烦，我们会变老，会死去，诸如此类。

圆学子梦想 铸金字品牌

Passage 2 What will matter?

Ready or not, some day it will all come to an end.There will be no more sunrises, no days, no hours or minutes.All the things you collected, whether treasured or forgotten, will pass to someone else.Your wealth, fame and temporal power will shrivel to irrelevance.It will not matter what you owned or what you were owed.Your grudges, resentments, frustrations, and jealousies will finally disappear.So, too, your hopes, ambitions, plans, and to-do lists will all expire.The wins and losses that once seemed so important will fade away.It won‟t matter where you came from, or on what side of the tracks you lived.It won‟t matter whether you were beautiful or brilliant.Your gender, skin color, ethnicity will be irrelevant.So what will matter? How will the value of your days be measured? What will matter is not what you bought, but what you built;not what you got, but what you gave.What will matter is not your success, but your significance.What will matter is not what you learned, but what you taught.What will matter is every act of integrity, compassion, courage and sacrifice that enriched, empowered or encouraged others to emulate your example.What will matter is not your competence, but your character.What will matter is not how many people you knew, but how many will feel a lasting loss when you‟re gone.圆学子梦想 铸金字品牌

What will matter is not your memories, but the memories of those who loved you.What will matter is how long you will be remembered, by whom and for what.Living a life that matters doesn‟ t happen by accident.It‟s not a matter of circumstance but of choice.Choose to live a life that matters.什么才重要？

无论你是否准备好，总有一天它都会走到尽头。那里没有日出，没有白天，没有小时和分钟。你收集的所有东西，不管你珍惜或已忘记，它们都将流入他人手中。

不管是你已得到的或是别人欠你的，你的财富、名誉和权势都会变成和你毫不相干的东西。

你的怨恨、愤慨、沮丧和妒忌最终也将消失。

同样，你的希望、抱负、计划以及行动日程表也将全部结束。当初看得比较重的成功和失败也会消失。

你来自何方，住在穷人区还是富人区也都不重要了。

你昔日的漂亮与辉煌也都不重要了，你的性别、肤色、种族地位也将变得无关紧要。

因此，什么重要呢？ 怎么衡量你有生之年的价值呢？

重要的不是你买了什么，而是你创造了什么；不是你得到了什么，而是你给予了什么。

重要的不是你成功了，而是你生命的意义。重要的不是你学到了什么，而是你传授了什么。

重要的是每个行动之中都充满正直、怜悯、勇气以及奉献精神，并且鼓励他圆学子梦想 铸金字品牌

人效仿榜样。

重要的不是你的能力，而是你的性格。

重要的不是你认识多少人，而是在你离开后，多少人会认为是个永远的损失。重要的不是你想念谁，而是爱你的人想念你。

重要的是别人会记着你多长时间，谁记着你，为什么记着你。过一种有意义的生活不是一件偶然的事情。那不是环境的问题，而是选择的问题。选择有意义的人生吧！

Passage 3 The expectation of grandfather

We made every effort to assure a better life for our kids but our attempt proved to be an abortion.For my grandchildren, would know better.I hope you follow your priest‟s suggestion to read the Bible in your spare time, though you have no religious belief.I hope you consult with the veterans(stagers)frequently.When you disagree others, you should not only dare to argue, but also be patient to hear your opponents‟ arguments and remember that weapon can‟t be the terminal solution，I hope you learn to drive a crane or mend the semiconductor radio.A craft will ensure that you won‟t be starved forever.I hope you know there is not only applause, medals and crowns , but also failure, defeat and dilemma in the world;there are not only peace, equality and cooperation but also controversy collision and contradiction , or even traps , cruelty and deception 圆学子梦想 铸金字品牌

in the world , I hope you show charity to the cripples, I hope you could help others sincerely at your convenience by doing some minor things, such as vacuuming the house for your mom, shifting the tire for Mister Smith or stopping in highway when somebody thumbs a ride.I hope you have ever mounted a high mountain equipped with a compass and torch.I also hope nobody would send you a brand-new auto before you‟re 20.My cherished grandson, I hope you compute the sending of your allowance and make a timetable or an agenda lest time click away without your consciousness.My dear grandson, I want you to put down your briefcase, leave your urban life with air-condition, internet and vehicles, and take a break at hometown when you are tired , I surely hop you could accompany grandpa to have a haircut or see the dentist or have a chat with your grandma.爷爷的期望

我们竭尽全力想让我们的儿女们过得更好，而结果却无济于事。对我的孙辈们，我就明智得多了。

我希望你听众神父的建议。闲时读读《圣经》，虽然你自己并没有宗教信仰。我希望你多向经验丰富的人请教。

我希望你在跟别人起冲突时，勇于为自己辩护，但是，也要有耐心倾听对手的声音，切记武力并不能解决所有问题。

我希望你能学一门手艺，比方说开起重机或修半导体收音机等。一技在身，吃穿不愁。

我希望你知道这个世界上不仅有掌声、勋章和皇冠，也会有失败、挫折和困圆学子梦想 铸金字品牌

境；不仅有和平、平等和合作，也会有争论、冲突和矛盾，甚至会有陷阱、残忍和欺骗。

我希望你对伤残人士表现出同情。我希望你能真诚地帮助别人，做些力所能及的小事。比如，帮妈妈用吸尘器清扫房间，帮史密斯先生换汽车轮胎或是在路上让别人搭车等等。

我真的希望你曾带着指南针和手电筒，爬上过高山。我也希望没有人在你20岁之前送你一辆轿车。

我的宝贝孙子，我希望你们学会做计划，不要花光所有的零花钱，不要让时间在不经意间流逝。

我亲爱的孙子，最后希望你，工作累了，就放下公文包，离开那有着网络、空调和车辆的都市生活，回家乡休息一下。我当然也希望你有时间陪爷爷理个发，看看牙医或是陪奶奶聊聊天。

Passage

4The Two Roads

It was Christmas Eve，an aged man was standing on the balcony，with uneasy，alarmed and pessimistic expression； He sighed for his miserable fate, and raised his sad eyes, gazed at the sparking stars in the deep blue sky.A falling star depicted a curve in the sky and disappeared, which seemed like the symbol of his life.Then he cast them below his floor, where a few more desperate people than him were moving towards their inevitable destination-the grave.He had already expended sixty years on the way leading to it, and he had acquired nothing but agony and regret.Now his health was poor, his mind was vacant, his heart was sorrowful, and his life 圆学子梦想 铸金字品牌

was short of comforts.The days of his youth appeared like dreams floating in his brain, and he recalled the strategic moment when he stood at the access to two roads-At the end of the first road, it was a peaceful and sunny place.It was covered with delicate flowers, fascinating bamboo forest, bunches of attractive grapes.There lived cute deer, tame lambs, and flying butterflies and echoed with the merry, sweet laughter.There were also winding tracks and honey peach trees dotted the graceful landscape.At the end of the second road, it was a damp and dull cave, which was an absolute hell of great bulk.It was covered with moist ponds and marshes, nasty, ditches and jungles, chilling and thrilling jails, all around was emitting the stale acid flavor.There lived evil devils, giant monsters, poisonous snakes, and echoed with the horrible barking of wolves.It was full of spiders, bats, frogs, damn rats, offensive bugs and other crawling insects.He looked up to the sky and shouted aloud,“O youth, return!Return!”

And his youth did return, for all this was only a nightmare which he had on Christmas Eve.He was still young though his faults were real;he had not yet entered the damp and dull cave, and he was still free to walk on the road which led to the peaceful and sunny land.Those youngsters, who are still wandering at the entrance of life and hesitating to choose the bright road, remember that when years have passed and your feet are limping in the dark cave, you will cry bitterly, but in vain;“O youth, return!Oh give me back my early days!”

圆学子梦想 铸金字品牌

两条路

圣诞节前夜，一位老人伫立在阳台上，面带不安、忧虑和悲伤的表情。他哀叹着自己悲惨的命运，抬起黯然失神的双眼凝视着深蓝色的天空中闪烁的星星。一颗陨落的星星划出一道弧线后消失了，那似乎是他生命的象征。

他将目光投向地面，几个比他更加绝望的人正在走向人生必然的终点—坟墓。在通往人生终点的道路上，他已经过了60多个年头，除了痛苦和悔恨，他一无所获。现在，他身体虚弱，精神空虚，心情忧郁，缺少晚年应有的舒适。青春的岁月如梦幻般浮现在他的脑海里，他回想起当他站在人生岔口上的关键时刻。当时，他面前有两条路—

第一条路的尽头，是一个和平、阳光普照的地方。那里有娇嫩的鲜花、迷人的竹林、一串串诱人的葡萄、可爱的小鹿、温顺的羊羔、翩飞的蝴蝶，到处回荡着愉快甜美的笑声，还有弯弯曲曲的小路和小蜜桃树点缀着那里优美的风景。第二条路的尽头，是一个犹如地狱般潮湿阴暗的巨大山洞。那里遍布着潮湿的池塘和沼泽、肮脏的水沟和丛林、阴冷而恐怖的牢狱，四周散发着陈腐的酸味，那里有恶魔、巨兽和毒蛇，回荡着令人毛骨悚然的狼嚎声。随处可见的是蜘蛛、蝙蝠、青蛙、老鼠、令人讨厌的臭虫和其他昆虫。他仰望天空，大声地哭喊：“哦，青春，你回来吧！回来吧！”

他的青春真的回来了，因为以上所发生的一切只是他在平安夜做的一场噩梦。他仍旧年轻，虽然的确犯过一些错误，但还未坠入深渊；他仍然可以自由地走上通往和平与光明的道路。

在人生的十字路口徘徊，不知该不该选择光明大道的年轻人啊，你们千万要记住：当你青春已逝，双足在黑暗的山洞举步维艰，跌跌撞撞之时，你才痛疾首地呼唤：“哦，回来吧，青春！哦，把我的美好年华还给我！”这将毫无意义。圆学子梦想 铸金字品牌

Passage 5 What I learned in kindergarten

Most of what I really need to know about how to live, what to do and how to be, I learned in kindergarten.Most of my wisdom was also gained in the nursery school.These are the things learned;

Don‟t fight.Don‟t quarrel with my cousins.Don‟t veil my mistake.Don‟t imitate the criminal behaviors of fraud and thief in the television series.Don‟t steal coins in the closet, cartoon in the grocery bacon, toast or jam in the cupboard(cabinet).Clean up my own garbage(trash).Don‟t talk about disappointing topics.Share candy with my partners.Distinguish the goodness from the vice.Hold to traditional virtues such as honesty and integrity justice and kindness, mercy and patience.Promote social morality.Accept the criticism or proposal of others modestly.Eat more carrot, cereal, salad and garlic, and control yourself to eat less dessert, fried chips, sausage, and stale diet.Classify the clothing of each season.在幼儿园里学到的

绝大部分我所学到的知识，例如如何生活，该做些什么事，怎样行事方面，圆学子梦想 铸金字品牌

早在幼儿园里就已经学到了。我大部分的人生智慧也是在幼儿园里学到的。以下这些都是我在幼儿园里学到的： 不打架： 不跟兄妹争吵： 不掩饰自己的过失：

不效仿电视剧中骗子和小偷的罪恶行为：

不偷壁厨里的硬币，杂货店里的漫画和食橱里的咸肉、烤面包或果酱； 清理自己的垃圾； 不讲令人扫兴的话题； 与伙伴们分享糖果； 区别善与恶；

保持诚实正直、公平友好、宽容忍让的传统美德； 发扬社会公德； 虚心地接受别人的建议；

多吃胡萝卜、谷物、色拉和大蒜，少吃甜食、炸薯片、香肠和不新鲜的食物等；

分开四季的衣物。

Passage 6 Life

You wake up in the morning, feeling groggy and disoriented.You look at yourself in the mirror, fearful to look him straight in the eye.You back zero tolerance on boredom, stuffing every vacant 圆学子梦想 铸金字品牌

moment with talks, malls and laptops!You are silent in their eyes, yet the noisiest in yours, for that inner voice you can hardly hear.You hang on the rim of the wheel of fortune, going up and down, tasting highs and lows.Life goes on but it is out of control!Not so soon, nor too late.You open your eyes, stretching your muscles and seeing the whole world beckons to you.You cheat him no more, smile to him , stare at him, knowing he is with you clear up to the end.You celebrate every moment, busy or free;strive not to become a human-doing, be and consider like a human-being!You talk gently, speak forcefully, and argue eloquently, because a mind in peace functions with effortless ease.You break free, make it to the hub, center your life on the bliss.Let it go!Let it flow!Life still is, but you got a big role!

生活

清晨初醒，你只觉昏昏沉沉，糊里糊涂。对着镜中的他，你已不敢直视那双眼。

你对无聊的零容忍，让你的生活被塞满闲聊，购物，笔记本！他们眼中安静的你，在你心中却嘈杂不堪，只因心声早已杳不可闻。你攀上命运之轮的边缘，从此生活跌宕起伏，阴晴不定。生活依然继续，却已脱离掌控。光阴不长不短，会有一天：

你睁开双眼，舒展筋骨，世界已然向你呼唤。

不再欺骗镜中的他，朝他微笑，死死盯着他，你明白他将伴你走过一生的旅程 圆学子梦想 铸金字品牌

不论闲暇忙碌，珍惜每个当下。你不再被生活俘虏忙个不停，思考并实现人之为人！你言辞温婉，演说铿锵，雄辩滔滔，一切运行自如，却宁静而无为。你挣脱轮缘，爬上轮轴中心，专注万物的美好。放开拳头！让幸福在掌心流动！生活依旧如是，你不作主，孰作主！

Passage 7 The Last Wish in a Winter Night Kent was a manger of a cement agency.His establishment nearly had gone bankrupt because one of his inferiors betrayed him.Just now Kent had made a presentation to the board in the chamber, conceding the failure of his administration.He had temporarily stopped the provision of cement in all projects.It was a cold winter midnight.In corridor, the thermometer suspended showed the temperature was minus 9 degrees centigrade.The tragedy blurred Kent‟s mind, so he steered to a bar alone.He wanted nothing but to drink liquor tonight.There were few people in the street.Suddenly, a figure of an old madam exposed within his eyesight.She was standing sideways nearby a platform, dressed in a plain gown, hauling a portable suitcase, and holding with a plastic bag in the other hand.The slight old lady was seemingly more than 80.She was trembling in cutting wind with red nose.Now she kept motioning Kent for a ride.Although Kent was somewhat angry about the old madam‟s disturbing and he wasn‟t induced at all to inquire any occurrence concerning her, he wouldn‟t like to leave her in the cold night.He thought that she presumable needed help.So he braked near her.The madam said, “Would you please take me a ride? I can offer double fare…” 圆学子梦想 铸金字品牌

Kent interrupted her, “I will charge you nothing!Come on!”

The madam pointed her luggage(baggage)and said, “Could you put them into the car?”

Kent stooped, heaved and put them in the car.They proceeded to drive.Kent halted at a petroleum station where he wanted to purchase gallons of gasoline.During the interval they waited in a queue, the madam began with her narratives,“ could you please send me to the charity house in suburb;I want to give them the luggage.I had been rendered help as a refugee there 50 years ago.” Kent was confused about the identity and behavior of the madam, so he asked, “Why do you do this at midnight?” The madam replied, “I retired on a pension.They prohibit(forbid)me from coming out during the day.In the case are the surplus jackets, jeans and pants of my nephews and nieces.”

After 2 hours‟ bump, Kent went out the entry of the charity house.They continued.“Please wait a moment, Sit!” the madam said suddenly, fixed her eyesight on an old building.“You know the first house in the uppermost floor was the first home my husband and I leased(rented)where I dialed the up-to-date videophone the first time in my life.The landlord was a good guy.” She burst into tears, “Now they‟ve all gone to the heaven.” Kent realized the madam was recalling a section(segment)of the good missing days.A penetrating feeling overwhelmed him, and he decided to cancel his plan and stay with the old madam.As the old madam dictated, they went to a golf playground.The region, she said, was a dairy dozens of years ago.Everyday she went to the farm with sleeve covers, 圆学子梦想 铸金字品牌

cushion, jar, towel and other auxiliary appliances.Her main work was to squeeze, transport and distribute milk.She also bred the cow sometimes.Then the old madam instructed, “Please send me to the rest home in the town, sir.” Hearing this, Kent pulsed quickly.He knew the rest home was prescribed for the cancer patients who were diagnosed without any remedy.”

“Ｉwill soon die of liver cancer.I come out to say goodbye to my life.Now I will have no regrets before death.Thanks for your help!” the madam made an explanation with smile, walking into a timber room.Kent was dumb for a while.He was chewing what the madam said, happily thinking of her life without any regrets.冬夜里的最后心愿

肯特是一位水泥经销部的经理。由于下属的背叛，他的公司已经濒临破产。刚才在会议室里，肯特已经向公司董事会作了报告，承认自己的失误，并且暂时停止了所有工程的水泥供应。

当时正值寒冷冬季的深夜。走廊里的温度计显示为零下9度。想着生意惨败，肯特情绪低落，独自驱车驶往一家酒吧。他打算今晚一醉方休。

大街上空无一人。突然，在车子前方出现了一个老妇人侧身站在站台旁，拖着一个便携式的行李箱，提着一个塑料袋。老人看上去已有80多岁，她穿着长袍，瘦弱的身躯，鼻子通红，站在寒风中瑟瑟发抖。此时，她不停地向肯特的车子招手。尽管肯特有些懊恼，也无心理会老人身上发生了什么，但不忍把她丢在这寒夜中。肯特想老人可能需要帮助。于是，他刹车停在了老人的面前。

老人说：“先生，您可不可以载我一程？我给你双倍的车费……”

肯特赶忙打断老人的话，说：“不用车费。快上车吧！”

老人又指了指地上的行李：“你可不可以帮我把它们放到车里？” 圆学子梦想 铸金字品牌

肯特忙弯腰用力提起箱子和塑料袋，放进了车里。

他们上路继续向前行驶。肯特路过一家加油站，在加油站排队等候的时候，老人打开了话匣子，“你可不可以先送我到市郊的济贫院的救济呢！”肯特对老人的身份和行为充满迷惑，说“您为什么要选择半夜送过去呢？”老人缓缓地说：“我现在退休了，白天他们不允许我出来，箱子里是我侄子和侄女们穿剩下的夹克、牛仔裤和裤子。”

两个小时的颠簸后，肯特他们走出了济贫院的大门。他继续按照老人指的路线前进。

“先生，请停一停。”老人突然说。这时，她的视线透过车窗久久地停留在了街边一幢破旧的大楼上。“您知道吗，这幢楼顶层的第一间，那是我和丈夫曾经租住的第一间房啊！房东是个好人。那里是我终生第一次使用可视电话的地方！”这时，老人久久凝视的目光中有泪光闪烁。“但是现在，他们都先后离开了我，去了天堂。”肯特这才明白，老人是在追忆昔日的美好时光。他被震撼了，决定放下一切，陪着老人。

接着，他按照老人的要求到了一个高尔夫球场旁边。老人说这里几十年前曾是一个牛奶场。她每天带着袖套、坐垫、罐子、毛巾和其他辅助用具去牛奶场。她的主要工作是挤牛奶、运送并分发牛奶，有时也去饲养奶牛。

“先生，我有些累了，您还是送我去市区的疗养院吧。”老人说。肯特心头一阵惊悸。他知道市中心疗养院是专门收留无法救治的绝症病人的地方。

“我得了肝癌，我的时间已经不多了。这次，我是偷偷地从疗养院溜出来的。因为，我很想亲自向过去的一切告别。这样，在我人生结束的时候就没有遗憾了。非常感谢你的帮助！”老人微笑着解释，走进木房子里。肯特一时无语，他想着老人的话，感到欣慰，因为老人的内心真的没有遗憾了。圆学子梦想 铸金字品牌

Passage 8 Ambition

It is not difficult to imagine a world short of ambition.It would probably be a kinder world: without demands, without abrasions, without disappointments.People would have time for reflection.Such work as they did would not be for themselves but for the collectivity.Competition would never enter in;conflict would be eliminated.Tension becomes a thing of the past.The stress of creation would be at an end.Art would no longer be troubling, but purely celebratory in its functions.Longevity would be increased, for fewer people would die of a heart attack or stroke caused by tumultuous endeavor.Anxiety would be extinct.Time would stretch on and on, with ambition long departed from the human heart.Ah, how unrelieved boring life would be!There is a strong view that holds that success is a myth, and ambition therefore a sham.Does this mean that success does not really exist? That achievement is at bottom empty? That the efforts of men and women are of no significance alongside the force of movements and events now.Not all success, obviously, is worth esteeming, nor all ambition worth cultivating.Which are and which are not is something one soon learns enough on one‟s own.But even the most cynical secretly admits that success exists;that achievement counts for a great deal;and that the true myth is that the actions of men and women are useless.To believe otherwise is to take on a point of view that is likely to be deranging.It is, in its implications, to remove all motives for competence, interest in attainment, and regard for posterity.圆学子梦想 铸金字品牌

We do not choose to be born.We do not choose our parents.We do not choose our historical epoch, the country of our birth, or the immediate circumstances of our upbringing.We do not, most of us, choose to die;nor do we choose the time or conditions of our death.But within all this realm of choicelessness, we do choose how we shall live: courageously or in cowardice, honorably or dishonorably, with purpose or in drift.We decide what is important and what is trivial in life.We decide that what makes us significant is either what we do or what we refuse to do.But no matter how indifferent the universe may be to our choices and decisions, these choices and decisions are ours to make.We decide.We choose.And as we decide and choose, so are our lives formed.In the end, forming our own destiny is what ambition is about.抱

负

一个缺乏抱负的世界将会怎样，这不难想像。或许，这将是一个更为友善的世界：没有渴求，没有磨擦，没有失望。人们将有时间进行反思。他们所从事的工作将不是为了他们自身，而是为了整个集体。竞争将永远不会介入；冲突将被消除。人们的紧张关系将成为过往云烟。创造的重压将得以终结。艺术将不再惹人费神，其功能将纯粹为了庆典。人的寿命将会更长，因为由激烈拼争引起的心脏病和中风所导致的死亡将越来越少。焦虑将会消失。时光流逝，抱负却早已远离人心。

啊，长此以往人生将变得多么乏味无聊！

有一种盛行的观点认为，成功是一种神话，因此抱负亦属虚幻。这是不是说实际上并不存在成功？成就本身就是一场空？与诸多运动和事件的力量相比，男男女女的努力显得微不足道？显然，并非所有的成功都值得景仰，也并圆学子梦想 铸金字品牌

非所有的抱负都值得追求。对值得和不值得的选择，一个人自然而然很快就能学会。但即使是最为愤世嫉俗的人暗地里也承认，成功确实存在，成就的意义举足轻重，而把世上男男女女的所作所为说成是徒劳无功才是真正的无稽之谈。认为成功不存在的观点很可能造成混乱。这种观点的本意是一笔勾销所有提高能力的动机，求取业绩的兴趣和对子孙后代的关注。

我们无法选择出生，无法选择父母，无法选择出生的历史时期与国家或是成长的周遭环境。我们大多数人都无法选择死亡，无法选择死亡的时间或条件。但是在这些无法选择之中，我们的确可以选择自己的生活方式：是勇敢无畏还是胆小怯懦，是光明磊落还是厚颜无耻，是目标坚定还是随波逐流。我们决定生活中哪些至关重要，哪些微不足道。我们决定，用以显示我们自身重要性的，不是我们做了什么，就是我们拒绝做些什么。但是不论世界对我们所作的选择和决定有多么漠不关心，这些选择和决定终究是我们自己作出的。我们决定。我们选择。而当我们决定和选择时，我们的生活便得以形成。最终构筑我们命运的就是抱负之所在。

Passage 9 True love, no expectations

I once had a friend who grew to be very close to me.Once when we were sitting at the edge of a swimming pool, she filled the palm of her hand with a little water and held it before me, and said this: You see this water carefully contained on my hand? It symbolizes love.As long as you keep your hand caringly open and allow it to remain there, it will always be there.However, if you attempt to close your fingers around it and try to possess it, it will spill through the first cracks it finds.This is the greatest mistake that people do when 圆学子梦想 铸金字品牌

they meet love… They try to possess it, they demand, they expect… and just like the water spilling out of your hand, love will retrieve from you.For love is meant to be free, you cannot change its nature.If you have people you love, allow them to be free beings.Give and don‟t expect.Advise, but don‟t order.Ask, but never demand.It might sound simple, but it is a lesson that may take a lifetime to truly practice.It is the secret to true love.To truly practice it, you must sincerely feel no expectations from those who you love, and yet an unconditional caring.真爱，零期待

我曾有个朋友，我们的关系很亲密。有一次我们坐在游泳池边上，她在手掌里盛了点儿水，捧在我面前，说:你仔细看我手上这水了吗？那代表爱。只要你充满关爱地使你的手平展伸开，并允许它保持在那儿，它会永远在那儿。但是，如果你试图把你的手指在它周围合起并试图占有它，它会通过它找到的缝溢出去。这是人们遇到爱时所犯的最大的错误„„他们会试图占有它，他们会要求，他们会期待„„那就会像溢出你的手掌的水一样，爱也会从你身边撤退。因为爱意味着自由,你不能改变它的本性。

如果你有爱的人，请允许他们自由地存在。要给予而不期待；建议而不命令；请求而不要求。这可能听起来简单，但它需要一辈子去实践。这就是真爱的秘诀。要真正去实践它，你必须对那些你爱的人没有期望，并给予无条件的关爱。

Passage 10 Variety is the source of creativity Variety is the source of creativity.Variety injects the fluid of creativity into the most hollow minds.To ensure a triumphant career, variety combined with flexibility to fit in perse circumstances is the major truth nowadays.圆学子梦想 铸金字品牌

No housing can be constructed in one single day.The more one explores, the more different dimensions one will observe which can help to complete a job.It is logical to choose the best way of doing a thing among various available options.Innovation is your own discovering an unusual way to fulfil your aim, which might be an elaborate and perfect scheme, and would yield superb results.Innovation is not something that cannot be realized by us.Belief in yourself and the unique ability of giving concrete shape to your values and ideas are what separate boys from men.It takes a lot of courage to venture into the execution of your ideas.The initial phase is the toughest, for you may not be recognized or comprehended mentally.But survival in tough times is a test of your perseverance, endurance and determination.For undergraduates, they can spice up their lives with variety by focusing on extra activities apart from academic curriculum.It is evident that academics are the golden key to a good career and a secure job, but the books don‟t guide you to become smart in practice.No matter how long you have spent reading on skating, all the reading is useless, unless and until you put it into practice.Extra curricular activities help one to deal with people, and tell one the areas where theoretical theories can‟t be applied in real life and also change the inpidual‟s perspective and outlook to various problems.Also, time management would become easy by involving one in various activities, because only a busy man can find time.Variety is the spice of life.Variety could activate the mind to open its creative 圆学子梦想 铸金字品牌

reserves.变化是创造力的源泉

变化是创造力的源泉。变化为众多荒芜的心田注入了创造的汁液。变化和适应变化环境的灵活性是当今开创事业成功的必要条件。

罗马并不是一日建成的。你挖掘的越多，就越能够发现完成任务的各种各样的方法和方式。在各种现有的选项中挑选最好的方式才是符合逻辑的。创新是由你自己发现一种可以实现自己目标的独特的做事方式，它可能是事与一套精细完美的方案，并且会产生极好的效果。

创新并不是遥不可及的。相信自己，加上具有将价值观和想法赋予具体形式的独特能力会使我们脱颖而出。实施心中的想法需要很大的勇气去冒险。初期是最艰苦的，你可能会得不到真正的认可和理解。但是在不顺利的时候能否坚持下去，正是对你意志、忍耐力和决心的考验。

大学生可以通过课外活动把生活变得多姿多彩。很明显，学校所学的是通向一个好的职业和稳定工作的金钥匙，但是书本知识并不能让你在实践中变得聪慧。不管花多长时间阅读关于滑冰的书，你若不实践，阅读是毫无用处的。课外活动是帮助人们学习与人打交道的，只了解理论，在生活中的某些领域是行不通的，实践可以改变一个人看待不同问题的视角和观点。同时，通过参与各种不同的也使人更善于管理时间，因为只有忙碌着的人才会努力挤时间。变化是生活的调味品。变化可以激活思维，开启创造的潜能。

Passage 11 Let Us Smile The thing that goes the farthest toward making life worthwhile, that costs the least and does the most, is just a pleasant smile.圆学子梦想 铸金字品牌

The smile that bubbles from the heart that loves its fellow men, will drive away the clouds of gloom and coax the sun again.It‟s full of worth and goodness, too, with manly kindness blent.It‟s worth a million dollars, and it doesn‟t cost a cent.There is no room for sadness when we see a cheery smile.It always has the same good look;it‟s never out of style.It nerves us to try again when failure makes us blue.The dimples of encouragement are good for me and you.It pays the highest interest—for it is merely lent.It‟s worth a million dollars, and it doesn‟t cost a cent.A smile comes very easy—you can wrinkle up with cheer, a hundred times before you can squeeze out a salty tear.It ripples out, moreover, to the heart strings that will tug, and always leaves an echo that is very like a hug.So, smile away!Folks understand what by a smile is meant.It‟s worth a million dollars, and it doesn‟t cost a cent.让我们微笑吧

那最能赋予生命价值、代价最廉而回报最多的东西，不过是一个令人愉悦的微笑而已。

由衷地热爱同胞的微笑，会驱走心头阴郁的乌云，心底收获一轮夕阳。

它充满价值和美好，混合着坚毅的仁爱之心。它价值连城却不花一文。

当我们看到喜悦的微笑，忧伤就会一扫而光。它始终面容姣好，永不落伍；失败令我们沮丧之时，它鼓励我们再次尝试。鼓励的笑靥于你我大有裨益。它支付的利息高昂无比——只因它是种借贷形式。它价值连城却不花一文。来一个微笑很容易——嘴角欢快地翘起来，你能百次微笑，可难得挤出一圆学子梦想 铸金字品牌

滴泪；它的涟漪深深波及心弦，总会留下回响，宛若拥抱。继续微笑吧！谁都懂得它意味着什么。它价值连城却不花一文。

Passage 12 If the Dream is Big Enough I used to watch her from my kitchen window.She seemed so small as she muscled her way through the crowd of boys on the playground.The school was across the street from our home and I would often watch the kids as they played during recess.A sea of children, and yet to me, she stood out from them all.I remember the first day I saw her playing basketball.I watched in wonder as she ran circles around the other kids.She managed to shoot jump shots just over their heads and into the net.The boys always tried to stop her but no one could.I began to notice her at other times, basketball in hand, playing alone.She would practice dribbling and shooting over and over again, sometimes until dark.One day I asked her why she practiced so much.She looked directly in my eyes and without a moment of hesitation she said, “I want to go to college.The only way I can go is if I get a scholarship.I like basketball.I decided that if I were good enough, I would get a scholarship.I am going to play college basketball.I want to be the best.My Daddy told me if the dream is big enough, the facts don‟t count.” Then she smiled and ran towards the court to recap the routine I had seen over and over again.Well, I had to give up to her—she was determined.I watched her through those junior years and into high school.Every week, she led her varsity team to victory.One day in her senior year, I saw her sitting in the grass, head cradled in her arms.I walked across the street and sat down in the cool grass beside her.Quietly I asked 圆学子梦想 铸金字品牌

what was wrong.“Oh, nothing, ” came a soft reply.“I am just too short.” The coach told her that at 5′5〞she would probably never get to play for a top ranked team— much less offered a scholarship—so she should stop dreaming about college.She was heartbroken and I felt my own throat tighten as I sensed her disappointment.I asked her if she had talked to her dad about it yet.She lifted her head from her hands and told me that her father said those coaches were wrong.They just did not understand the power of a dream.He told her that if she really wanted to play for a good college, if she truly wanted a scholarship, that nothing could stop her except one thing—her own attitude.He told her again, “If the dream is big enough, the facts don‟t count.” The next year, as she and her team went to the Northern California Championship game, she was seen by a college recruiter.She was indeed offered a scholarship, a full ride, to a Division 1, NCAA women‟s basketball team.She was going to get the college education that she had dreamed of and worked toward for all those years.为了心中的梦想

我以前常常从厨房的窗户看到她穿梭于操场上的一群男孩子中间，她显得那么矮小。学校在我家的街对面，我可以经常看到孩子们在下课时间玩耍。尽管有一大群孩子，但我觉得她跟其他的孩子截然不同。我记得第一天看到她打篮球的情景。看着她在其他孩子旁边兜来转去，我感到十分惊奇。她总是尽力地跳起投篮，球恰好越过那些孩子的头顶飞入篮筐。那些男孩总是拼命地阻止她，但没有人可以做得到。我开始注意到她有时候一个人打球。她一遍遍地练习运球和投篮，有时直到天黑。有一天我问她为什么这么刻苦地练习。她直视着我的眼睛，不假思索地说: “我想上大学。只有获得奖学金我才能上大学。我喜欢打篮球，我想只要我打得好，我就能获得奖学金。我要到大学去打篮球。圆学子梦想 铸金字品牌

我想成为最棒的球员。我爸爸告诉我说，心中有目标，风雨不折腰。”说完她笑了笑，跑向篮球场，又开始我之前见过的一遍又一遍的练习。嘿，我服了她了——她是下定决心了。这些年我看着她从初中升到高中。每个星期，她带领的学校篮球队都能够获胜。

高中那会儿的某一天，我看见她坐在草地上，头埋在臂弯里。我穿过街道，坐到她旁边的清凉的草地上。我轻轻地问出什么事了。“哦，没什么，”她轻声回答，“只是我太矮了。”原来篮球教练告诉她，以五英尺五英寸的身材，她几乎是没有机会到一流球队去打球——更不用说会获得奖学金了——所以她应该放弃上大学的梦想。她很伤心，我也觉得自己的喉咙发紧，因为我感觉到了她的失望。我问她是否与她的爸爸谈过这件事。她从臂弯里抬起头，告诉我，她爸爸说那些教练错了。他们根本不懂得梦想的力量。他告诉她，如果她真的想到一个好的大学去打篮球，如果她真的想获得奖学金，任何东西也不能阻止她，除非她自己不愿意。他又一次跟她说：“心中有目标，风雨不折腰。”第二年，当她和她的球队去参加北加利福尼亚州冠军赛时，她被一位大学的招生人员看中了。她真的获得了奖学金，一个全面资助的奖学金，并且进入美国全国大学体育协会一级联赛的一支女子篮球队。她将接受她曾梦想并为之奋斗多年的大学教育。

Passage 13

Just for today Just for today I will try to live through this day only and not tackle my whole life problem at once.I can do something for twelve hours that would appall me if I had to keep it up for a life time.Just for today I will be happy.This assumes to be true what Abraham Lincoln said, that “Most folks are about as happy as they make up their minds to be.” 圆学子梦想 铸金字品牌

Just for today I will adjust myself to what is, and not try to adjust everything to my own desires.I will take my “luck” as it comes.Just for today I will try to strengthen my mind.I will study.I will learn something useful.I will not be a mental loafer.I will read something that requires effort, thought and concentration.Just for today I will exercise my soul in three ways.I will do somebody a good turn and not get found out.If anybody knows of it, it will not count.I will do at least two things I don‟t want to do—just for exercise.I will not show anyone that my feelings are hurt: they may be hurt, but today I will not show it.Just for today I will be agreeable.I will look as well as I can, dress becomingly, talk low, act courteously, criticize not one bit, and try not to improve or regulate anybody but myself.Just for today I will have a program.I may not follow it exactly, but I will have it.I will save myself from two pests: hurry and indecision.Just for today I will have a quiet half hour all by myself and relax.During this half hour, sometime, I will try to get a better perspective of my life.Just for today I will be unafraid.Especially I will not be afraid to enjoy what is beautiful, and to believe that as I give to the world, so the world will give to me.就为今天

就为了今天，我将尽力只度过今天而不立刻去解决终身的问题。对一件令我恐慌而又必须坚持一辈子的事，我能坚持十二个小时。就为了今天，我会很快乐。亚伯拉罕·林肯说过，“对于大多数人而言，他们认定自己有多幸福，就有多幸福。”这已经被认为是真理。圆学子梦想 铸金字品牌

就为了今天，我会做自我调整适应事物本来的面目，而不是想方设法使每一件事满足自己的欲望。当“幸运”来临时我会抓住它。就为了今天，我会尽力心强志坚。我会学习，学一些有用的东西。我不会做一个精神上的流浪汉。我会读一些需要努力、思考和专注的东西。

就为了今天，我会用三种方法来磨炼我的灵魂。我会做对某人有利的事但不能被发现，若有人发现了就不算数。我将会做至少两件我不愿做的事情 ——只为了磨炼。我不会让任何人感到我的感情受到了伤害：它们可能受到了伤害，但今天我不会表现出来。就为了今天，我会过得很惬意。我会尽力达到最佳状态，穿着得体、讲话谦虚、行为礼貌、一点不吹毛求疵，尽量改进和调节自己而不是别人。就为了今天，我会制定一个计划，我也许不会严格地遵守它，但我一定要有计划。我会避免两种错误：仓促行事和优柔寡断。就为了今天，我将会独自静静地呆上半小时放松。在这半小时里，某个时刻，我会对我日后的生活有个更好的看法。就为了今天，我将不再害怕。尤其我不会再害怕享受美丽的事物，并且相信我给予世界的，世界也会给予我。

Passage 14 Making Sandcastles A little boy is on his knees scooping and packing the sand with plastic shovels into a bright blue bucket.Then he upends the bucket on the surface and lifts it.And, to the delight of the little architect, a castle tower is created.All afternoon he will work，scooping out the moat and packing the walls.Bottle tops will be sentries.Sticks will be bridges.A sandcastle will be 圆学子梦想 铸金字品牌

built.Big city, busy streets, rumbling traffic.A man is in his office.At his desk he puts papers into stacks and assigns tasks.The phone is on his shoulder and he is knocking the keyboard with his fingers.Contracts are signed and much to the delight of the man, a profit is made.All his life he will work，formulating the plans, forecasting the future.Profits will be sentries.Capital gains will be bridges.An empire will be built.Two builders of two castles.They have much in common.They shape little pebbles into grand buildings.They are diligent and determined.And for both the tide will rise and the end will come.Yet that is where the similarities stop.For the boy sees the end while the man ignores it.As the waves near, the wise child jumps to his feet and begins to clap.There is no sorrow.No fear.No regret.He knew this would happen.He is not surprised.And when the great breaker crashes into his castle and his masterpiece is sucked into the sea, he smiles, picks up his tools, takes his father‟s hand, and goes home.The grownup, however, is not so wise.As the wave of years collapses on his castle he is terrified.He tries to protect the sandy monument.He blocks the waves from the walls he has made.Salt-water soaked and shivering he snarls at the incoming tide.“It‟s my castle, ” he protests.The ocean need not respond.Both know to whom the sand belongs...I don‟t know much about sandcastles.But children do.Watch them and learn.圆学子梦想 铸金字品牌

Go ahead and build, but build with a child‟s heart.When the sun sets and the tides take——applaud.Salute the process of life and go home.堆沙堡的小男孩

一个小男孩跪在那儿用塑料铲挖沙子，并把沙子装在一个鲜艳的蓝桶里。然后他把蓝桶倒扣在地上，把它提起。让这小建筑师高兴的是：一座城堡的塔楼就这样诞生了。他会干一下午：挖护城河，建城墙，用瓶盖做岗哨，用木棍做桥，就这样，一座城堡建成了。

某个大城市，喧嚣的街道，川流不息的交通。

办公室里有一位男士。坐在办公桌前，他把文件堆叠在一起，布置任务。他将电话夹在肩头，手指敲击键盘。合同签字生效，让这位男士高兴的是，一笔利润就这样到手了。他一生都会工作：构想计划，预测未来。利润就是岗哨，资本收益就是桥梁。一个帝国就这样建成了。这两座城堡的建筑者有许多共同之处。他们会把细小的沙石变成宏伟的建筑。他们很用心也很有决心，而对于他们两个而言，涨潮都会发生，一切都会结束。然而，共同点到此为止。因为，男孩看得到终点，而这位成年人却忽视它。巨浪来临时，聪明的男孩欢呼，跳跃。没有痛苦，没有恐惧，没有遗憾。他知道这一切都会发生，他并不感到惊讶。当这巨大的破坏者击碎他的城堡，将他的杰作卷入大海，男孩笑了，收拾好他的工具，拉着父亲的手，回家。圆学子梦想 铸金字品牌

然而，这位成年人却并不如此明智，当岁月的巨浪击毁他的城堡，他害怕了，他试图保护这沙质纪念碑。他试图阻止巨浪袭击他建的城墙。咸的海水将他的城堡湮没。他颤抖着怒骂涌入的浪潮。

“这是我的城堡，”他抗议道。

海洋不需要回应。两者都明白沙子的归宿。

我对沙堡所知甚少。

但孩子们知道，他看他们，学习他们。去建造吧，带着一颗童心。

当太阳落山，潮水占领沙滩——拍手喝彩，向生命的过程敬礼，回家。

Passage 15 I’m Special

In the entire world there‟s nobody like me.Since the beginning of time, there has never been another person like me.Nobody has my smile.Nobody has my eyes, my nose, my hair, my hands, or my voice.I‟m special.No one can be found who has my handwriting.Nobody anywhere has my tastes—for food or music or art.No one sees things just as I do.In all of time there‟s been no one who laughs like me, no one who cries like me.And what makes me laugh and cry will never provoke identical laughters and tears from anybody else, never.No one reacts to any situation just as I would react.I‟m special.I‟ m the only one in all of creation who has my set of abilities.Oh, there will always be somebody who is better at one of the things I‟m good at, but no one in the 圆学子梦想 铸金字品牌

universe can reach the quality of my combination of talents, ideas, abilities and feelings.Like a room full of musical instruments, some may excel alone, but none can match the symphony sound when all are played together.I‟m a symphony.Through all of eternity no one will ever look, talk, walk, think or do like me.I‟m special.I‟m rare.And, in all rarity there is great value.Because of my great rare value, I need not attempt to imitate others.I will accept—yes, indeed, celebrate—my differences.I‟m special.And I‟m beginning to realize it‟s no accident that I‟m special.I‟m beginning to see that I have been made for a very special purpose.There is a job for me that no one else can do as well as I.Out of all the billions of job applicants, only one is qualified, only one has the right combination of what it takes.That one is me.Because...I‟m special.我就是我

大千世界，芸芸众生，没人与我相同。自创世伊始，从未有过像我一样的人。没人拥有和我一样的笑容；没人拥有和我一样的眼睛、鼻子、头发、双手或声音。我就是我。我的笔迹独一无二。我的品味与众不同——不管是对于食物、音乐还是艺术。对于世间万物，我拥有独特的视角。无论何时，都没有人欢笑如我，哭泣如我。让我开心和流泪的事物不会引起他人相同的反应，绝对不会。面对各种处境，我也有自己独特的应对方式。我就是我。在天地万物中，我的能力组合独具一格。哦，我所擅长之处，必有人技高一筹。但是，世界上没有人能像我一样，将天赋、思想、能力和感觉如此独特地结合在一起。好比一间放满乐器的房间，某件乐器可能会一鸣惊人，但所有圆学子梦想 铸金字品牌

乐器共同奏出的交响乐才无与伦比。我就是一曲交响乐。亘古恒远，没有人会像我一样地观察、交谈、行走、思考或行事。我就是我。独一无二。而且，独特中蕴含着巨大的价值。因为这独特而又巨大的价值，我不需要去模仿他人。我会欣然接受——更确切地说是赞美——我的与众不同。我就是我。我渐渐理解，我之所以独特并非机缘巧合。我开始明白，造物主为我创设了一个特定的目标。有一份工作是为我量身定制的，他人无法胜任。在数以亿计的求职者中，只有一个人是合格的，只有一个人具备恰如其分的条件。那个人就是我。因为„„ 我就是我。

Passage 16 Write Your Own Life Suppose someone gave you a pen—a sealed, solid-colored pen.You couldn‟t see how much ink it had.It might run dry after the first few tentative words or last just long enough to create a masterpiece(or several)that would last forever and make a difference in the scheme of things.You don‟t know before you begin.Under the rules of the game, you really never know.You have to take a chance!

Actually, no rule of the game states you must do anything.Instead of picking up and using the pen, you could leave it on a shelf or in a drawer where it will dry up, unused.But if you do decide to use it, what would you do with it? How would you play the game? Would you plan and plan before you ever wrote a word? Would your plans be so extensive that you never even got to the writing? Or would you take the pen in hand, plunge right in and just do it, struggling to keep up with the twists and turns of the torrents of words that take you where they 圆学子梦想 铸金字品牌

take you? Would you write cautiously and carefully, as if the pen might run dry the next moment, or would you pretend or believe(or pretend to believe)that the pen will write forever and proceed accordingly? You‟re listening to Faith Radio Online-Simply to Relax, I‟m Faith.Now, suppose someone gave you a life...谱写生命的乐章

假如有人送你一支笔，一支不可拆卸的单色钢笔.你看不出里面究竟有多少墨水。或许在你试探性地写上几个字后它就会干枯，或许足够用来创作一部影响深远的不朽巨著(或是几部)。而这些，在动笔前，都是无法得知的。在这个游戏规则下，你真的永远不会预知结果。你只能去碰运气！事实上，这个游戏里没有规则指定你必须要做什么。相反，你甚至可以根本不去动用这支笔，把它扔在书架上或是抽屉里让它的墨水干枯。但是，如果你决定要用它的话，你会用它来做什么呢？你将怎样来进行这个游戏呢? 你会在写字之前，老是计划来计划去吗？你会不会由于计划过于宏大而来不及动笔呢? 或者你只是手里拿着笔，一头扎进去写，不停地写，艰难地随着文字汹涌的浪涛而随波逐流呢？ 你会小心谨慎地写字，好像这支笔在下个时刻就可能会干枯；还是装作相信（或装作相信）这支笔能够永远写下去而信手写来呢？ 您正在收听Faith轻松电台，我是Faith。现在，假如有人给予你一支生命的笔„„ 圆学子梦想 铸金字品牌

Passage 17 Prayer for My Mother Dear God, Now that I am no longer young, I have friends whose mothers have passed away.I have heard these sons and daughters say they never fully appreciated their mothers until it was too late to tell them。I am blessed with the dear mother who is still alive.I appreciate her more each day.My mother does not change, but I do.As I grow older and wiser, I realize what an extraordinary person she is.How sad that I am unable to speak these words in her presence, but they flow easily from my pen。How does a daughter begin to thank her mother for life itself? For the love, patience and just plain hard work that go into raising a child? For running after a toddler, for understanding a moody teenager, for tolerating a college student who knows everything? For waiting for the day when a daughter realizes her mother really is? How does a grown woman thank for a mother for continuing to be a mother? For being ready with advice(when asked)or remaining silent when it is most appreciated? For not saying, “I told you so”, when she could have uttered these words dozens of times? For being essentially herself—loving, thoughtful, patient and forgiving? I don‟t know how, dear God, except to bless her as richly as she deserves and to help me live up to the example she has set.I pray that I will look as good in the eyes of my children as my mother looks in mine。

A daughter 圆学子梦想 铸金字品牌

为母亲祈祷

亲爱的上帝： 如今我已不再年轻，一些朋友的母亲已经去世了。我曾听这些子女们说过，他们从没有向母亲充分表达过他们的感激之情，而待到要告诉时为时已晚了。幸运的是，我亲爱的母亲依然健在。我对她的感激与日俱增。母亲没有变，而我却变了。随着年岁的增长，我越来越懂事了，我认识到她是个非常了不起的人。这些话在她面前我难以启齿，但在笔下却可以轻易地写出来，这令我感到多么难过。一个女儿该怎样开口感谢她的母亲所给予的生命？感谢她在抚养孩子时所付出的爱、耐心以及平凡的无私的辛劳？感谢她跟在蹒跚学步的孩子身后奔跑，对情绪不定的少女的理解，以及对一个自以为是的大学生的宽容？感谢她等待女儿认识到她真是一位好母亲的这一天？ 一个成年女子该怎样感谢母亲依然如故的角色？感谢（在被问到时）她会及时提供良言，而在不需要时她会保持沉默？感谢她没有说：“我告诉过你”，而她本来可以说上许多次？感谢她始终不变的爱心、体贴周到、耐心与宽容厚道？ 我不知道该怎样来表达，亲爱的上帝，除了请求你好好地保佑她——那是她该得到的——并帮助我朝她做出的榜样看齐。我祈愿在我的孩子们的眼里我会如同母亲在我眼里一般好。

Passage 18 Always Aim Higher Always aim higher than you believe you can reach.So often, you‟ll discover that

一个女儿

when your talents are set free by your imagination, you can achieve any goal.If people offer their help or wisdom as you go through life, accept it gratefully.圆学子梦想 铸金字品牌

You can learn much from those who have gone before you.But never be afraid or hesitant to step off the accepted path and head off in your own direction if your heart tells you that it‟s the right way for you.Always believe that you will ultimately succeed at whatever you do, and never forget the value of persistence, discipline, and determination.You are meant to be whatever you dream of becoming.设立更高远的目标

总是设立比你认为力所能及的更高远的目标。通常，你会发现，当想像力放飞了你的才能时，你就能实现任何目标。在你的人生历程中，如果有人给予你帮助或传授你智慧，你要心怀感激地接受。你可以从前辈那里学到很多宝贵的东西。但是，当你的内心已经明确知道怎样的路才是真正适合你的时候，要敢于脱离既定的轨道去追求你自己的方向，不要害怕或迟疑。永远相信：无论你做什么，你终究会成功，并且不要忘记坚持、自律和决心的价值。你注定会成为你梦想要成为的那个人。

Passage 19 Would Rather Complain, Or Be Happy? If we really want to be happy, why do we act like such babies? We can claim to be proactive in our life by settings goals and going after what we want.But if we‟re always whining and complaining all the time, are we really living effectively? If you don‟t believe me, count how many times you complain about something or others in one day.Whether it is being stuck in traffic, being bothered by the weather, 圆学子梦想 铸金字品牌

not enough mustard on your sandwich, or whatever it is, there are endless instances where you can find a reason to complain.But it‟s not just outside circumstances that we complain about.We complain about ourselves too.We complain that we don‟t have enough time, that we don‟t have enough money(this one is huge because it‟s often “true”), that we‟re not smart enough, cool enough, or just enough.I know I‟ve experienced plenty of unpleasantness due to complaining about things I can‟t control.I never really thought about it much until I found this website about “living in a complain-free world.” Imagine how much happier you would be if you simply stopped complaining.Much of what you complain about is outside of your control anyway.What‟s the point of brooding about something you have no power to change? Not very intelligent, if you ask me.Simply becoming conscious of how much you complain is the first step to stopping.When you recognize that you‟re complaining, stop and take notice of it.Ask yourself if you would rather complain, or be happy.要抱怨，还是要快乐？

如果我们真得想要高兴，为什么要像小孩子那样呢？

我们可以积极主动地在我们生活中设定目标，然后向着目标进发。但是如果我们整天牢骚满腹，怨天尤人的话，我们还能有效地生活吗？ 如果你不相信我，仔细想想你一天要抱怨几次。不管是因为被糟糕的交通困住，被天气所困扰，还是三明治上芥末放得不够，总之生活中有无数的烦心事可以让你抱怨。圆学子梦想 铸金字品牌

不仅仅外部的环境让我们抱怨，我们还不断地抱怨我们自己。比如时间不够多啊，钱不够花啊（这个最多，因为它往往更“真实”），不够聪明不够冷静啊，反正什么看上去都不够好。我知道，因为抱怨自己不能控制的事情，我已经历了许多的不开心。我没有仔细思考过这个问题，直到有一天我发现这个叫“活在没有抱怨的世界中”的网站。想想吧，如果你停止抱怨的话你会变得多么快乐。反正那些事情又无力改变，整天想着那些你无力改变的事情又有什么意义呢？如果你来问我，我会说那样很愚蠢。停止抱怨要做的第一步就是想清楚你有多能抱怨。当你意识到自己在抱怨的时候，停下来，问问自己是要变得快乐还是继续这样抱怨下去。

Passage 20 Life Is Like a Cup of Coffee A group of graduates got together to visit their old university professor.The conversation soon turned into complaints about stress in work and life.Offering his guests coffee, the professor went to the kitchen and returned with a large pot of coffee and a variety of cups—porcelain, plastic, glass, crystal, some plain-looking, some expensive, some exquisite—telling them to help themselves to the coffee.When all the students had a cup of coffee in hand, the professor said，“If you have noticed, all the nice-looking expensive cups have been taken up, leaving behind the plain and cheap ones.While it is normal for you to want only the best for yourselves, that is the source of your problems and stress.” 圆学子梦想 铸金字品牌

“Be assured that the cup itself adds no quality to the coffee.In most cases it is just more expensive and in some cases even hides what we drink.” “What all of you really want is coffee, not the cup, but you unconsciously went for the best cups.And then you began eyeing each other‟s cup.”

“Now consider this: Life is the coffee;the jobs, money and position in society are the cups.They are just tools to hold and contain life, and the type of cup we have does not define, nor change the quality of life we live.Sometimes, by concentrating only on the cup, we fail to enjoy the coffee.Savor the coffee, not the cups!Don‟t let the cups drive you...enjoy the coffee instead.”

生命如同一杯咖啡

一群毕业生，相约一起去看望他们年老的大学教授。

谈话一会儿就变成了各自对工作和生活压力的抱怨。在用咖啡招待这些客人时，教授去厨房端来一大壶咖啡，并拿出各式各样的咖啡杯——陶瓷的、塑料的、玻璃的、水晶的，有看上去普通的、有价值不菲的、有做工精细的——让他们自己倒咖啡喝。

当所有学生手中都端了一杯咖啡后，教授发话了：

“如果你们注意一下，就会发现所有好看的昂贵的杯子都被挑走了，剩下的只是那些普通的和便宜的。当然，每个人都只想拥有最好的，这很正常，但这也是你们的问题和压力的根源所在。” “可以肯定的是，杯子本身与咖啡质量毫无关系。在很多时候，杯子让咖啡更昂贵，某些时候，甚至让我们看不清我们要喝的是什么。” “其实你们真正想要的是咖啡，而不是杯子，但你们却又都下意识去挑选最好的杯子，并观察别人拿到的杯子。” 圆学子梦想 铸金字品牌

“现在设想一下：如果生活是杯中的咖啡，工作、财富和社会地位就是那些杯子。它们只是维持生活的工具而已，并不能界定或是改变生活的质量。有时候，我们在过于关注杯子的同时却忘记了去品味上帝赐予的咖啡。请仔细品味咖啡，而不是那些杯子。所以，不要成为杯子的奴隶„„好好品味杯中的咖啡。”

Passage 21 Life Is Like a Cafeteria A friend‟s grandfather came to America from Eastern Europe.After settling down at Ellis Island，he went into a cafeteria in lower Manhattan to get something to eat.He sat down at an empty table and waited for someone to take his order.Of course nobody did.Finally, a woman with a tray full of food sat down opposite him and informed him how a cafeteria worked.“Start out at that end, ” she said.“Just go along the line and pick out what you want.At the other end they‟ll tell you how much you have to pay.” “I soon learned that‟s how everything works in America, ” the grandfather told a friend.“Life‟s like a cafeteria here.You can get anything you want as long as you are willing to pay the price.You can even get success，but you‟ll never get it if you wait for someone to bring it to you.You have to get up and get it yourself.”

生活就像自助餐

一个朋友的祖父从东欧来到美国。圆学子梦想 铸金字品牌

在埃利斯岛安顿下来后，他去曼哈顿下城的一家自助餐厅吃饭。

他在一张空桌子边坐下，等待侍者拿来菜单。

当然没有人来招呼他。

最后，一位女士拿着满满一托盘食物走过来坐在他对面。并告诉他自助餐厅是怎样进餐的。她说：“从那头开始，依次去要你想要的东西，在餐厅的另外一端会有人告诉你该付多少钱。”

他对一个朋友说：“接着我很快了解到这就是美国人的生活方式。”

“生活就像自助餐，你可以去要你想要的任何东西，只要你能付得起他们的价格。

你也可以想要成功，但是如果你什么都不做就等着别人把它送到你身边的话是永远都不可能得到的。你必须勤劳，必须自己去追求它。”

Passage 22 Growth When we plant a rose seed in the earth, we notice it is small, but we do not criticize it as “rootless and stemless.” We treat it as a seed, giving it the water and nourishment required of a seed.When it first shoots up out of the earth, we don‟t condemn it as immature and underdeveloped, nor do we criticize the buds for not being open when they appear.We stand in wonder at the process taking place, and give the plant the care it needs at each stage of its development.The rose is a rose from the time it is a seed to the time it dies.Within it, at all 圆学子梦想 铸金字品牌

times, it contains its whole potential.It seems to be constantly in the process of change: Yet at each state, at each moment, it is perfectly all right as it is.A flower is not better when it blooms than when it is merely a bud;at each stage it is the same thing—a flower in the process of expressing its potential.成长

一粒微小的玫瑰花子被植入土壤中时，我们并不因它“无根无茎”而加以批评。我们把它当作一粒种子来对待，施予它所需的水分和养料。当它刚刚破土而出时，我们不因它幼稚、发育不良而诋毁它；当出现花蕾时，我们也不因它们不绽放而责备它。我们会惊喜地目睹整个过程。在它成长的不同阶段，给予它所需的照顾。玫瑰，从一粒种子开始，到凋零，直至死亡，始终是玫瑰。在它生命的每时每刻，体内都蕴藏着巨大的潜能。它似乎总在不断地变化，但是在任何阶段，任何时刻，都是最真实、最完美的。一朵花，在每一阶段都是相同的，无论是尽情绽放的花朵还是含苞欲放的花蕾，都是这朵花——一朵时刻展现自己潜能的花。

Passage 23 Chances Exist In the Daily Details John and Bobby joined a wholesale company together just after graduation from college the same year.Both worked very hard.After several years, however, the boss promoted Bobby to the position of manager while John remained an ordinary employee.John could not take it any more.He tendered his resignation to the boss and complained the boss did not know how to delegate and did not value hard working staff, but only promoted those who flattered him.The boss knew that John worked very hard for the years.He thought for a 圆学子梦想 铸金字品牌

moment and said, “Thank you for your criticism, but I have a request.I hope you will do one more thing for our company before you leave.Perhaps you will change your mind and take back your resignation.” John agreed.The boss asked him to go and find out anyone selling watermelon in the market.John went and returned soon.He said he had found out a man selling watermelon.The boss asked how much per kg.John shook his head and went back to the market to ask and returned to inform the boss $1.2 per kg.Boss told John to wait a second, and he called Bobby to come to his office.He asked Bobby to go and find anyone selling watermelon in the market.Bobby went, returned and said, “Boss, only one person selling watermelon.$1.2 per kg, $10 for 10kg.He has inventory of 340 melons.On the table 58 melons;every melon weights about 2 kg, bought from the South two days ago.They are fresh and red, good quality.” John was very impressed and realized the difference between himself and Bobby.He decided not to resign but to learn from Bobby.My dear friends, a more successful person is more observant, thinks more and explores in depth.Chances exist in the daily details.For the same matter, a more successful person sees more and further so that he can find out an opportunity and catch it to realize his aim.If a person sees one year ahead, while another sees only tomorrow.The difference between a year and a day is 365 times.How could you win?

机遇在于生活的细节

约翰和博比同年大学毕业后，被同一家批发公司录用。他们二人工作都很圆学子梦想 铸金字品牌

努力。然而，几年后，老板提拔博比为部门经理，而约翰还是一名普通员工。约翰再也无法忍受，冲动之下向老板递交了辞呈，并抱怨老板不会用人，不重用那些敬业的员工，只提拔那些奉承他的人。老板知道这几年约翰工作确实很努力。他想了一会儿说：“谢谢你对我的批评。但是我有一个请求，我希望在你离开之前再为公司做一件事情。或许到时你会改变决定，收回辞呈。” 约翰答应了。老板让他去市场找到一个卖西瓜的人。约翰去了并很快回来。他说他找到了一个卖西瓜的人。老板问他每公斤多少钱。约翰摇摇头，回到市场去问，然后又回来告诉老板每公斤1.2美元。老板让约翰等一会儿，这时他把博比叫到办公室。他让博比去市场找到一个卖西瓜的人。博比去了，回来之后说：“老板，只有一个卖西瓜的人，每公斤 1.2美元，每10公斤卖10美元。这个人一共有340个西瓜，其中58个放在货架上，每个西瓜重约2公斤，都是两天前从南方买来的，新鲜，红瓤，质量好。” 约翰受到很大的触动，他意识到自己与博比之间的差距。他决定收回辞呈并向博比学习。

亲爱的朋友们，成功的人更善于观察，勤于思考和孜孜探求。机遇就存在于生活的细节中。同样的一件事，一个成功的人会看得更多更远，所以他能抓住机遇，实现梦想。如果有人看到一年后的情景，而你只看到明天。一年与一天的差距是365倍，你怎么能赢呢？

Passage 24 With One Glass of Milk One day, a poor boy who was trying to pay his way through school by selling goods from door to door found that he had only one dime left.He was hungry so he decided to beg for a meal at the next house.圆学子梦想 铸金字品牌

However, he lost his nerve when a lovely young woman opened the door.Instead of a meal, he asked for a drink of water.She thought he looked hungry so she brought him a large glass of milk.He drank it slowly, and then asked, “How much do I owe you？” “You don‟t owe me anything,” she replied, “Mother has taught me never to accept pay for a kindness.” He said, “Then I thank you from the bottom of my heart.” As Howard Kelly left that house, he not only felt stronger physically, but it also increased his faith in God and the human race.He was about to give up and quit before this point.Years later, the young woman became critically ill.The local doctors were baffled.They finally sent her to a big city, where specialists can be called in to study her rare disease.Dr.Howard Kelly, now famous was called in for the consultation.When he heard the name of the town she came from, a strange light filled his eyes.Immediately, he rose and went down through the hospital hall into her room.Dressed in his doctor‟s gown he went in to see her.He recognized her at once.He went back to the consultation room and determined to do his best to save her life.From that day, he gave special attention to her case.After a long struggle, the battle was won.Dr.Kelly requested the business office to pass the final bill to him for approval.He looked at it and then wrote something on the side.The bill was sent to her room.She was afraid to open it because she was positive that it would take the rest of her life to pay it off.Finally she looked, and the note on the side of the bill caught her attention.She read these words，“Paid in full with one glass of milk.” 圆学子梦想 铸金字品牌

(Signed)Dr.Howard Kelly

Tears of joy flooded her eyes as she prayed silently, “Thank You, God.Your love has spread through human hearts and hands.”

一杯牛奶的温暖

一天，一个可怜的小男孩儿为凑足学费正挨家挨户地推销商品。他发现身上只剩一角钱了，此时他很饿，因此决定从下一家要点儿吃的。

然而，当一位年轻貌美的女子打开门时，他却紧张得不知所措。他没有要吃的，只是要了口水喝。女子看到小男孩儿饥饿的样子，顿生怜悯之心，便倒了一大杯牛奶递给他。他慢慢地喝光了牛奶，问道：“我需要付您多少钱呢？”

“你不必付钱给我，”女子答道，“妈妈教育我说，爱心善举，不求回报。”男孩说：“那么我就发自内心地向您说声谢谢！”当霍华德· 凯利走出这户人家时，他不仅觉得浑身充满了力量，也对上帝和整个人类充满了信心。原本，他就要放弃。

若干年后，那位女子得了重病，当地医生都束手无策。最后，她转院到大城市，接受专家会诊。著名的霍华德·凯利医生也参与了医疗方案的制定。当他得知这位病人来自那个城镇时，一个奇怪的念头闪过，他立即起身直奔她的病房。

身着白大褂的凯利医生走进了病房，一眼便认出了那个女子，她正是他的恩人。回到诊室，他下定决心要竭尽全力医治她。从那天起，他就对她给予了特殊的照顾。

经过艰苦卓绝的努力，手术终获成功。凯利医生要求把医药费结算单送到他那儿。他看了一下，便在旁边写了一些东西。当结算单送到女子的病房时，她甚至不敢打开来看，因为她知道这笔医药费一定极其昂贵，或许她要用整个圆学子梦想 铸金字品牌

余生去偿还。最后，她还是鼓足勇气打开了看，她注意到单子旁边的一行小字，上面写着：

“医药费已由一杯牛奶付清。”（署名）霍华德·凯利医生

喜悦的泪水夺眶而出，她不禁默默祈祷：“感谢您，上帝！您的爱已经通过人类的心灵和双手传递开来。”

Passage 25 Sow an Action, Reap a Habit Our character, basically, is a composite of our habits.“Sow a thought, reap an action;sow an action, reap a habit;sow a habit, reap a character;sow a character, reap a destiny, ” the maxim goes.Habits are powerful factors in our lives.Because they are consistent, often unconscious patterns, they constantly, daily, express our character and produce our effectiveness or ineffectiveness.As Horace Mann, the great educator, once said, “Habits are like a cable.We weave a strand of it everyday and soon it cannot be broken.” I personally do not agree with the last part of his expression.I know habits can be learned and unlearned.But I also know it isn‟t a quick fix.It involves a process and a tremendous commitment.Those of us who watched the lunar voyage of Apollo 11 were transfixed as we saw the first men walk on the moon and return to the earth.But to get there, those astronauts literally had to break out of the tremendous gravity pull of the earth.More energy was spent in the first few minutes of lift-off, in the first few miles of travel, than was used over the next several days to travel half a million miles.圆学子梦想 铸金字品牌

Habits, too, have tremendous gravity pull—more than most people realize or would admit.Breaking deeply embedded habitual tendencies such as procrastination, impatience, criticalness, or selfishness that violate basic principles of human effectiveness involves more than a little willpower and a few minor changes in our lives.“Lift off” takes a tremendous effort, but once we break out of the gravity pull, our freedom takes on a whole new dimension.Like any natural force, gravity pull can work with us or against us.The gravity pull of some of our habits may currently be keeping us from going where we want to go.But it is also gravity pull that keeps our world together, that keeps the planets in their orbits and our universe in order.It is a powerful force, and if we use it effectively, we can use the gravity pull of habit to create the cohesiveness and order necessary to establish effectiveness in our lives.卓越仅仅是个习惯

人的性格基本上是由习惯组成的。正如一句格言：思想决定行动，行动决定习惯，习惯决定性格，性格决定命运。习惯对我们的生活有很大的影响，因为它是一贯的。在不知不觉中，经年累月地影响着我们的性格，左右着我们的成败。美国著名教育家霍拉斯·曼曾说：“习惯就仿佛是一条缆绳，我们每天为它缠上一股新索，不用多久就会变得牢不可破。”这句话的后半段我不敢苟同，我相信习惯可以养成，也可以打破，但绝不是一蹴而就，而是需要长期的努力和无比的毅力。宇航员搭乘阿波罗11号太空船，首次登陆月球的刹那的确令人叹为观止。但宇航员得先摆脱地球强大的引力，才能飞往月球。因此在刚起飞的几分钟，圆学子梦想 铸金字品牌

也就是整个任务一开始的几英里之内，是最艰难的时刻，所耗的力量往往超越往后的几十万英里。习惯也是一样，它也具有极大的引力，只是许多人不加注意或不肯承认罢了。想要革除诸如因循苟且，缺乏耐心，吹毛求疵或自私自利等违背人类效率基本原则的不良习性，若是缺乏意志力，不能大刀阔斧地改革，便难以实现目标。“起飞”需要极大的努力，然而一旦脱离重力的牵绊，我们便可享受前所未有的自由。习惯的引力就如同自然界所有的力量一般，可能危害我们，也可以为我们所用，关键看我们如何运用。习惯或许一时有碍于达到目标，但也有积极的一面。宇宙万物各循轨道运行，彼此保持一定的秩序，毕竟也都有赖于引力的作用。所以只要我们善于运用习惯的庞大引力，就能使生活有重心，有秩序，有效率。

Passage 26 Love Is a Two-way Street A father sat at his desk poring over his monthly bills when his young son rushed in and announced, “Dad, because this is your birthday and you‟re 55 years old, I‟m going to give you 55 kisses, one for each year!” When the boy started making good on his word, the father exclaimed, “Oh, Andrew, don‟t do it now;I‟m too busy!”

The youngster immediately fell silent as tears welled up in his big blue eyes.Apologically the father said, “You can finish later.”

The boy said nothing but quietly walked away, disappointment written over his face.That evening the father said, “Come and finish the kisses now, Andrew!” But