毕业生找工作，总是“几家欢乐几家愁”。毕业后仍未能就业的情况屡见不鲜，他们往往戏称自己为“毕剩客”。
A small hostel in Hangzhou, East China's Zhejiang province, has taken in more than 30,000 guests in seven years, most of them unemployed graduates.
“毕剩客”是网络新名词，指的是一毕业就失业的应届毕业生或毕业后长时间未能就业的毕业生，我们可以用英文unemployed graduates表示，unemployed指失业的`，待业的，unemployed insurance。
近年来，the expansion of college enrollment，造成大学毕业生的供需失衡。由于fierce competition in the job market，毕业生找到一份满意的工作难度加大。同时，the popularization of higher education和学生inadequate skills使得毕业生失去优势。“毕剩客”现象越来越严重。
如何改变这一现象，需社会、学校和个人的多方面努力，作为毕业生需change the attitudes on employment，正确认识现状，提升自己。
请结合文意翻译以下词组及句子：
1、unemployed insurance
2、the expansion of college enrollment
3、fierce competition in the job market
4、the popularization of higher education
5、inadequate skills
6、change the attitudes on employment
7、A small hostel in Hangzhou, East China's Zhejiang province, has taken in more than 30,000 guests in seven years, most of them unemployed graduates.
参考答案
1、unemployed insurance 失业保险
2、the expansion of college enrollment 高校扩大招生
3、fierce competition in the job market 就业市场竞争激烈
4、the popularization of higher education 高等教育大众化
5、inadequate skills 技能不足
6、change the attitudes on employment 改变就业态度
7、A small hostel in Hangzhou, East China's Zhejiang province, has taken in more than 30,000 guests in seven years, most of them unemployed graduates. 浙江杭州的一家小旅馆7年间接待住客超过3万人，他们中的大多数是“毕剩客”。
第二题：
国务院常务会议24日通过了《中华人民共和国商业银行法修正案(草案)》，删除了贷款余额与存款余额比例不得超过75%的规定，将贷存比由法定监管指标转为流动性监测指标。
China will scrap commercial banks' loantodeposit ratio. It will propose amending the nation's banking law to make the limit a ratio used for reference rather than a regulatory statute.
“贷存比”可以用 loantodeposit ratio表示，即银行balance sheet中的贷款余额占存款余额的比例。
贷存比一直是商业银行用来衡量银行liquidity risk的指标之一。为防止银行过度扩张，央行规定商业银行最高的贷存比例为75%。贷存比仍将与liquidity coverage ratio，LCR、net stable funding ratio，NSFR等作为流动性风险管理指标。
中央银行试图减少金融系统的一些压力，自11月来，已3次下调benchmark interest rate，今年以来已2次下调depositreserve ratio。
请结合文意翻译以下词组及句子：
1、balance sheet
2、liquidity risk
3、liquidity coverage ratio，LCR
4、net stable funding ratio，NSFR
5、benchmark interest rate
6、depositreserve ratio
7、China will scrap commercial banks' loantodeposit ratio. It will propose amending the nation's banking law to make the limit a ratio used for reference rather than a regulatory statute.
参考答案
1、balance sheet 资产负债表
2、liquidity risk 流动性风险
3、liquidity coverage ratio，LCR 流动性覆盖率
4、net stable funding ratio，NSFR 净稳定资金比率
5、benchmark interest rate 基准利率
6、depositreserve ratio 存款准备金率
7、China will scrap commercial banks' loantodeposit ratio. It will propose amending the nation's banking law to make the limit a ratio used for reference rather than a regulatory statute.中国将取消商业银行的“贷存比”，提出修正银行法案，将贷存比由法定监管指标转为参考指标。
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