外文文献翻译
浙江大学本科毕业论文外文文献翻译
核准通过，归档资料。
未经允许，请勿外传!浙江大学本科毕业论文外文文献翻译The influence of political connections on the firm value of small and medium-sized enterprises in China政治关联在中国对中小型企业价值的影响1摘要中小型企业的价值受很多因素的影响,比如股东、现金流以及政治关联等.这篇文章调查的正是在中国政治关联对中小型企业价值的影响。
通过实验数据来分析政治关联对企业价值效益的影响.结果表明政府关联是关键的因素并且在中国对中小型企业的价值具有负面影响。
2重要内容翻译2。
1引言在商业界,有越来越多关于政治关联的影响的经济研究。
它们发现政治关联能够帮助企业确保有利的规章条件以及成功获得资源，比如能够最终提高企业价值或是提升绩效的银行贷款，这种政治关联的影响在不同的经济条件下呈现不同的效果。
在高腐败和法律制度薄弱的国家，政治关联对企业价值具有决定性因素1的作用.中国由高度集权的计划经济向市场经济转变，政府对市场具有较强的控制作用，而且有大量的上市企业具有政治关联。
中小型企业发展的很迅速，他们已经在全球经济环境中变得越来越重要。
从90年代起, 政治因素对中国的任何规模的企业来说都变得越来越重要,尤其是中小型企业的价值。
和其他的部门相比较，中小型企业只有较小的现金流，不稳定的现金流且高负债率.一方面，中小型企业改变更加灵活；另一方面,中小型企业在由于企业规模以及对银行来说没有可以抵押的资产，在筹资方面较为困难。
企业如何应对微观经济环境和政策去保证正常的企业活动，并且政治关联如何影响企业价值？这篇论文调查政治关联和企业价值之间的联系,并且试图去研究企业是否可以从政治关联中获利提升企业价值。
2.2定义这些中小型企业之所以叫中小型企业，是和管理规模有关。
对这些小企业来说，雇员很少，营业额较低,资金一般由较少的人提供,因此，通常由这些业主直接管理企业。
外文文献翻译(图片版)
本科毕业论文外文参考文献译文及原文学院经济与贸易学院专业经济学（贸易方向）年级班别2007级 1 班学号3207004154学生姓名欧阳倩指导教师童雪晖2010 年 6 月 3 日目录1 外文文献译文（一）中国银行业的改革和盈利能力（第1、2、4部分） (1)2 外文文献原文（一）CHINA’S BANKING REFORM AND PROFITABILITY（Part 1、2、4） (9)1概述世界银行（1997年）曾声称，中国的金融业是其经济的软肋。
当一国的经济增长的可持续性岌岌可危的时候，金融业的改革一直被认为是提高资金使用效率和消费型经济增长重新走向平衡的必要（Lardy，1998年，Prasad，2007年）。
事实上，不久前，中国的国有银行被视为“技术上破产”，它们的生存需要依靠充裕的国家流动资金。
但是，在银行改革开展以来，最近，强劲的盈利能力已恢复到国有商业银行的水平。
但自从中国的国有银行在不久之前已经走上了改革的道路，它可能过早宣布银行业的改革尚未取得完全的胜利。
此外，其坚实的财务表现虽然强劲，但不可持续增长。
随着经济增长在2008年全球经济衰退得带动下已经开始软化，银行预计将在一个比以前更加困难的经济形势下探索。
本文的目的不是要评价银行业改革对银行业绩的影响，这在一个完整的信贷周期后更好解决。
相反，我们的目标是通过审查改革的进展和银行改革战略，并分析其近期改革后的强劲的财务表现，但是这不能完全从迄今所进行的改革努力分离。
本文有三个部分。
在第二节中，我们回顾了中国的大型国有银行改革的战略，以及其执行情况，这是中国银行业改革的主要目标。
第三节中分析了2007年的财务表现集中在那些在市场上拥有浮动股份的四大国有商业银行：中国工商银行（工商银行），中国建设银行（建行），对中国银行（中银）和交通银行（交通银行）。
引人注目的是中国农业银行，它仍然处于重组上市过程中得适当时候的后期。
第四节总结一个对银行绩效评估。
物联网毕业论文外文文献翻译.doc
Internet of Things1 .the definition of connotationThe English name of the Internet of Things The Internet of Things, referred to as: the IOT.Internet of Things through the pass，radio frequency identification technology，global positioning system technology, real-time acquisition of any monitoring, connectivity, interactive objects or processes, collecting their sound, light，heat, electricity，mechanics, chemistry, biology， the location of a variety of the information you need network access through a variety of possible things and things, objects and people in the Pan-link intelligent perception of items and processes，identification and management. The Internet of Things IntelliSense recognition technology and pervasive computing, ubiquitous network integration application，known as the third wave of the world’s information industry development following the computer，the Internet. Not so much the Internet of Things is a network, as Internet of Things services and applications，Internet of Things is also seen as Internet application development. Therefore，the application of innovation is the core of the development of Internet of Things，and 2.0 of the user experience as the core innovation is the soul of Things.2.The meaning of ’’material”Where the ’’objects” to meet the following conditions can be included in the scope of the "Internet of Things":1.Receiver have the appropriate information;2.Have a data transmission path;3.Have a certain storage capabilities;4.To have the CPU;5.To have the operating system;6.Have specialized applications;7.Have a data transmitter;8.Follow the communication protocol of Things;9.World Network，a unique number that can be identified.3."Chinese style" as defined inInternet of Things (Internet of Things) refers to is the ubiquitous (Ubiquitous) terminal equipment (Devices) and facilities (Facilities), including with the "inner intelligence" sensors，mobile terminals, industrial systems，floor control system，the family of Intelligentfacilities，video surveillance systems，and external can "(Enabled)，such as RFID，a variety of assets (the Assets)，personal and vehicle carrying the wireless terminal” intelligent objects or animals n or” smart dust ’’(the Mote)，through a variety of wireless and/or cable over long distances and/or short-range communication networks to achieve interoperability (M2M)，application integration (the Grand Integration)，and based on cloud computing，SaaS operation mode，in internal network (intranet)，private network (extranet), and / or the Internet (Internet) environment, the use of appropriate information security mechanisms to provide a safe，controlled and even personalized real-time online monitoring，retrospective positioning，alarm linkage, command and control plan management, remote control，security，remote repair and maintenance, online upgrades，statistical reporting， decision support，the leadership of the desktop (showcase of the Cockpit Dashboard) management and service functions，’’Everything，” ’’efficient，energy saving, security environmental protection/"’ possession，control，Camp integration [1].4.EU definitionIn September 2009，the Internet of Things and enterprise environments held in Beijing，China-EU Seminar on the European Commission and Social Media Division RFID Division is responsible for Dr. Lorent Ferderix，given the EU’s definition of things: the Internet of Things is a dynamic global network infrastructure, it has a standards-based and interoperable communication protocols, self-organizing capabilities, including physical and virtual "objects” of identity, physical attributes，virtual features and smart interface and seamless integration of information networks . Internet of Things Internet and media，the Internet and business Internet one，constitute the future of the Internet.5.changeThe Internet of Things (Internet of Things) the word universally recognized at home and abroad Ashton, Professor of the MIT Auto-ID Center in 1999 first proposed to study RFID. The report of thesame name released in 2005, the International Telecommunication Union (ITU), the definition and scope of the Internet of Things has been a change in the coverage of a larger expansion, no longer refers only to the Internet of Things based on RFID technology.Since August 2009, Premier Wen Jiabao put forward the "Experience China” Internet of Things was officially listed as a national one of the five emerging strategic industries，to write the •’Government Work Report’1 Internet of Things in China has been the great concern of the society as a whole degree of concern is unparalleled in the United States，European Union, as well as other countries.The concept of Internet of Things is not so much a foreign concept, as it has been the concept of a "Made in China' his coverage of the times，has gone beyond the scope of the 1999 Ashton professor and the 2005 ITU report referred to, Internet of Things has been labeled a "Chinese style" label.6.BackgroundThe concept of Internet of Things in 1999. Internet-based, RFID technology and EPC standards，on the basis of the computer Internet，the use of radio frequency identification technology, wireless data communication technology, a global items of information to real-time sharing of the physical Internet ’’Internet of things” (referred to as the Internet of Things)，which is also the basis of the first round of the China Internet of Things boom set off in 2003.The sensor network is built up based on sensing technology network. Chinese Academy of Sciences in 1999 on the start sensor network research and has made some achievements in scientific research，the establishment of applicable sensor network. 1999, held in the United States，mobile computing and networking International Conference, "The sensor network is a development opportunity facing humanity in the next century. In 2003, the United States，"Technology Review” propo sed sensor network technology will be future changes ten people’s lives first.November 17, 2005, the WSIS held in Tunis (WSIS)，the International Telecommunication Union released ITU Internet Report 2005: Internet of Things ”，citing the concept of the” Int ernet of things "• The report pointed out that the ubiquitous ’’Internet of Things" communication era is approaching, all the objects in the world, from tires to toothbrushes, from housing to the tissue via the Internet, take the initiative to be exchanged. Radio Frequency Identification (RFID)，sensortechnology, nanotechnology，intelligent embedded technology will be more widely used.According to the description of the ITU, the era of things，a short-range mobile transceivers embedded in a variety of daily necessities，human beings in the world of information and communication will receive a new communication dimension, from any time communication between people of the place of connection extended to the communication connection between persons and things and things and things. The Internet of Things concept of the rise，largely due to the International Telecommunication Union (ITU), the title of Internet of Things 2005 annual Internet Report. However，the ITU report the lack of a clear definition of Things.Domestic Internet of Things is also there is no single standard definition, but the Internet of Things In essence，the Internet of Things is a polymer application of modern information technology to a certain stage of development and technological upgrading of various sensing technology modern network technology and artificial intelligence and automation technology aggregation and integration of applications，so that the human and material wisdom of dialogue to create a world of wisdom. Because the development of the Internet of Things technology，involving almost all aspects of IT，innovative application and development of a polymer, systematic, and therefore be called revolutionary innovation of information industry. Summed up the nature of the Internet of Things is mainly reflected in three aspects: First, the Internet features that need to be networked objects must be able to achieve the interoperability of the Internet; identification and communication features，that is included in the Internet of Things "objects" must to have the functions of automatic identification and physical objects communication (M2M); intelligent features，the network system should have automated，self-feedback and intelligent control featuresJanuary 28, 2009, Obama became the President of the United States，held with U.S. business leaders a "round table’’，as one of the only two representatives，IBM CEO Sam Palmisano for the first time that H the wisdom of the Earth” this concept, it is recommended that the new government to invest in a new generation of intelligent infrastructure.February 24，2009 news，IBM Greater China CEO money crowd called "Smarter Planet” strategy announced in the forum 2009IBM.This concept was put forth, that is the great concern of the United States from all walks of life，and even analysts believe that IBM’s vision is very likely to rise to U.S. national strategy，and caused a sensation in the world. IBM believes that the industry, the next phase of the mission is to make full use of the new generation of IT technology in all walks of life among specifically，is the embedded sensors and equipment to the power grid，railways，bridges，tunnels, highways, buildings， water supply systems dams，oil and gas pipelines and other objects，and is generally connected to the formation of Things.Strategy conference, IBM, and implant the concept of ’’wisdom” in the implementation of the infrastructure，strong，not only in the short term to stimulate the economy，promote employment，and in a short period of time for China to build a mature wisdom infrastructure platform.IBM n Smarter Planet” strategy will set off again after the wave of Internet technology industrial revolution. Former IBM CEO Lou Gerstner has raised an important point of view, every 15 years，a revolution in computing model. This judgment is the same as Moore’s Law accurately call it a n15-year cycle Law' Before and after 1965, changes to the mainframe as a symbol，1980 marked by the popularization of personal computers，1995, the Internet revolution. Each such technological change are caused by the enterprise, industry and even the national competitive landscape of major upheaval and change. To a certain extent in the Internet revolution is ripening by the ”information superhighway” strategy. 1990s，the Clinton administration plan for 20 years, $ 200 billion to -4000 billion，construction of the U.S. National Information Infrastructure，to create a huge economic and social benefits.Today, the H Smarter Planet" strategy by many Americans that there are many similarities with the "informa tion superhighway”，the same they revive the economy，a key strategy for competitive advantage. The strategy can be set off, not only for the United States, such as the Internet revolution was the wave of technological and economic concern, more attention from the world.H Internet of Things prospects are very bright，it will dramatically change our current way of life.’’ Demonstration director of the Center of Nanjing University of Aeronautics and Astronautics，National Electrical and Electronic Zhao Guoan said. Industry experts said that the Internet of things to our life personification of the things became a kind of human.Goods (goods) in the world of physicalobjects associated with each other "exchange' without the need for human intervention. The Internet of Things using radio frequency identification (RFID) technology, to achieve the interconnection and sharing of the automatic identification of goods (products) and information through the computer Internet. It can be said that the Internet of Things depict the world is full of intelligent. In the world of Internet of Things, material objects connected to the dragnet.The second session，held at Peking University in November 2008, China Mobile Government Seminar H Knowledge Society and Innovation 2.0n，the experts made the mobile technology, the Internet of Things technology led to the development of economic and social form, innovative forms of change，and promote the The next generation of innovation for the knowledge society as the core of user experience (innovative 2.0) the formation of innovation and development of the form to pay more attention to the user to focus on people-oriented. Research institutions is expected to 10 years，the Internet of Things may be mass adoption of this technology will develop into one of thousands of yuan-scale high-tech market，the industry than the Internet 30 times.It is learned that the things industry chain can be broken down into the identity，perception，processing and information transfer，four links, each link of the key technologies for the wireless transmission network of RFID, sensors，smart chip and telecom operators. EPOSS in the ’’Internet of Things in 2020” report，an analysis predicted that the future development of the Internet of Things will go through four stages, 2010, RFID is widely used in the field of logistics，retail and pharmaceutical objects interconnect 2010 to 2015，2015 〜In 2020，the object into the semi-intelligent, intelligent objects into 2020.As the vanguard of the Internet of Things，RFID has become the most concerned about the technology market. The data show that the global RFID market size in 2008 from $ 4.93 billion in 2007 rose to $ 5.29 billion，this figure covers all aspects of the RFID market，including tags, readers and other infrastructure, software and services. RFID card and card-related infrastructure will account for 57.3 percent of the market, reaching $ 3.03 billion. Application from financial and security industries will drive the market growth of RFID cards. Analysys International forecasts，the Chinese RFID market size in 2009 will reach 5.0 billion, a CAGR of 33%, in which the electronic tag is morethan 3.8 billion yuan，the reader close to 700 million yuan, software and services market to reach 500 million yuan pattern.MEMS is the abbreviation of the micro-electromechanical systems，MEMS technology is built on the basis of micro / nano, the market prospect is broad. The main advantage of the MEMS sensor is the small size，large-scale mass production cost reduction，mainly used in two major areas of automotive and consumer electronics. Under ICInsight the latest report is expected in 2007-2012, global sales of semiconductor sensors and actuators based on MEMS will reach 19 percent compound annual growth rate (CAGR), compared with $ 4.1 billion in 2007 to five years will achieve $ 9.7 billion in annual sales.7.PrincipleInternet of Things is on the basis of the computer Internet, RFID, wireless data communications technology, to construct a cover everything in the world’s ’’Internet of Things' In this network, the goods (products) to each other ’’exchange”，without the need for human intervention. Its essence is the use of radio frequency identification (RFID) technology to achieve the interconnection and sharing of the automatic identification of goods (products) and information through the computer Internet.The Internet of Things is a very important technology is radio frequency identification (RFID) technology. RFID is radio frequency identification (Radio Frequency Identification) technology abbreviation，is an automatic identification technology in the 1990s began to rise，the more advanced a non-contact identification technology. The development of RFID technology based on a simple RFID system, combined with existing network technology, database technology, middleware technology, to build a one composed by a large number of networked readers and numerous mobile label, much larger than the Internet of Things trend.RFID，It is able to let items "speak” a technique. In the "Internet of Things” con cept，RFID tags are stored in the specification and interoperability information collected automatically by wireless data communications network to a central information system，to achieve the identification of goods (products), and then through the open computer network for information exchange and sharing, items "transparent” management.The information technology revolution in the Internet of Things is referred to as IT mobile Pan of a specific application. Internet of Things through IntelliSense，identification technology andpervasive computing, ubiquitous network convergence applications，breaking the conventional thinking before，human beings can achieve ubiquitous computing and network connectivity [3]. The traditional thinking has been the separation of physical infrastructure and IT infrastructure: on the one hand，airports，roads，buildings，while on the other hand，the data center，PC，broadband. In the era of the ’’Internet of Things’’，reinforced concrete，cable with the chip，broadband integration into a unified infrastructure, in this sense, the infrastructure is more like a new site of the Earth, the world really works it, which including economic management, production operation, social and even personal life. H Internet of Things” makes it much more refined and dynamic management of production and life, to manage the future of the city to achieve the status of "wisdom” to improve resource utilization and productivity levels，and improve the relationship between man and nature.8.Agency1，institution-buildingAs the first national Internet of Things industry community organizations - the application of professional Committee of China Electronic Chamber of Things technology products (referred to as: ’’objects of the IPCC n)，the Ministry of Civil Affairs in June 2010，preliminary approved by the Ministry of August being reported that the Ministry of Civil Affairs for final approval.2, the main taskServe as a bridge between business and government to assist the Government of the industry guidance，coordination，consultation and services to help members to reflect the business requirements to the Government; coordinate the relationship between enterprises to strengthen technical cooperation, product distribution, the elimination of vicious competition ; supervision of members the correct implementation of national laws and regulations，to regulate the industry; member of information communication technology products, cooperation，resource sharing, capital operation, and promote the application of Internet of Things technologies and products，and promote the Internet of Things industrial scale，co-development.9.ConstructionInternet of Things in the practical application to carry out requires the involvement of all walks of life，and need the guidance of the national government as well as related regulations and policies toassist the launching of the Internet of Things has the scale，broad participation，management, technical，and material properties，etc. other features，the technical problem is the most crucial issues of Things billion Bo logistics consulting, Internet of Things technology is an integrated technology, a system not yet which company has overall responsibility for network planning and construction of the entire system, theoretical studies have commenced in all walks of life and the practical application is limited to within the industry. The key is on the planning and design and research and development of the Internet of Things research in the field of RFID，sensors，embedded software, and transmission of data calculation. In general，to carry out the steps of the Internet of things mainly as follows:(1)identified the object attributes，properties, including static and dynamic properties of the static property can be stored directly in the label，the dynamic properties need to start with sensors to detect real-time;(2)the need to identify the equipment to complete the reading of object attributes，and information into a data format suitable for network transmission;(3)the object of information transmitted over the network to the information processing center (processing center may be distributed，such as home computers or mobile phones，may also be centralized，such as China Mobile IDC) by the processing center to complete the object communication calculation.10.key areasInternet of Things 4 key areas:(1)RFID;(2)sensor network;(3)The M2M;(4)integration of the two.11 .TrendIndustry experts believe that the Internet of things on the one hand can improve economic efficiency and significant cost savings; the other hand，can provide technical impetus to global economic recovery. Currently，the United States，the European Union are all invested heavilyin-depth study to explore the Internet of Things. The country is also highly concerned about the emphasis of Things，Industry and Information Technology Ministry in conjunction with the relevant departments are conducting research in a new generation of IT to the formation of policies and measures to support the development of a new generation of IT.China Mobile CEO Wang Jianzhou has repeatedly mentioned the Internet of Things will become the focus of future development of China Mobile. He will be invited to Taiwan to produce RFID，sensors and bar code manufacturers and China Mobile. According to him，the use of the Internet of Things technology，Shanghai Mobile has a number of industrial customers tailor the data collection，transmission，processing and business management in one set of wireless application solutions. The latest data show that Shanghai Mobile has more than 100,000 chips mounted on a taxi，bus，various forms of matter networking applications in all walks of prowess, to ensure the orderly operation of the city. During the Shanghai World Expo, ’’the bus services through’’ will be fully applied to the Shanghai public transport system, the smooth flow traffic to the most advanced technology to protect Expo area; for logistics transportation management，e-logistics n，will provide users with real-time accurate information of Cargo, vehicle tracking and positioning, the transport path selection, logistics network design and optimization services greatly enhance the comprehensive competitiveness of logistics enterprises.In addition，the popularization of the n Internet of Things” for the number of animals，plants and machinery，sensors and RFID tags of items and related interface devices will greatly exceed the number of mobile phones. The promotion of the Internet of Things will become a drive to promote economic development for the industry to open up a potential development opportunities. According to the current demand on the Internet of Things，in recent years, billions of sensors and electronic tags，which will greatly promote the production of IT components，while increasing the number of job opportunities.According to reports, it is necessary to truly build an effective Internet of things, there are two important factors. First, the scale, only with the scale to make the items of intelligence play a role. For example, a city of one million vehicles，if we only 10000 vehicles installed on the smart system, it is impossible to form an intelligent transportation system; two mobility items are usually not static，but in the state of the movement，we must maintain the items in the state of motion，and even high-speed motion state can at any time for dialogue.FORRESTER of the authority of the U.S. advisory body predicted that 2020, the world ofbusiness of the Internet of Things，compared with the business of interpersonal communication，will reach 30 to 1，so the ’’Internet of Things’1 is known to be the next one trillion communications services.Internet of Things heat wave Why is rapidly growing in China? Internet of Things in China rapid rise thanks to the several advantages of our country in terms of things.In the early 1999 launched the Internet of Things core sensor network technology research, R & D level in the world; the second，sensor network field in the world，China is the standard one of the dominant country, the patent owner; third China is one of the countries to achieve a complete industrial chain of Things; F ourth, China’s wireless communications network and broadband coverage provides a solid infrastructure to support the development of the Internet of Things; Fifth, China has become the world’s first the three major economies，with strong economic strength to support the development of the Internet of Things.12.MythThe current understanding of the Internet of things there are a lot of misunderstanding，which is also a direct impact on our understanding of Things on the development of the logistics industry， it is necessary first to distinguish errors, clarify our thinking.One sensor networks or RFID network equivalent of Things. The fact that sensor technology，or RFID technology，or are simply one of the information collection technology. In addition to the sensor technology and RFID technology，GPS, video recognition，infrared，laser，scanning can be achieved automatically identify physical objects to communicate technical information collection technology can become the Internet of Things. Sensor networks or RFID network is just an application of Things，but not all of Things.Second，the Internet of Things as a myriad of unlimited extension of the Internet of Things as a completely open for all things，all of the interconnections，all shared Internet platform.In fact，the Internet of Things is not simple infinite extension of the global sharing of the Internet. Even if the Internet is also not only refers to we typically think of the international sharing computer network，Internet，WAN and LAN. Internet of Things can be both an extension of our usual sense of theInternet to the matter; LAN，professional can also be based on real needs and industrial applications. The reality is not necessary and can not make all the items networking; no need to make professional，LAN must be connected to the global Internet sharing platform. Of things in the future the Internet will be very different from the professional network of similar smart logistics, smart transportation，smart grid; the intelligence community and other local area network is the largest use of space.Ter, that the ubiquitous network of the Internet of Things Internet of Things, and therefore the Internet of Things is a castle in the air, is difficult to achieve the technology. In fact the Internet of things are real，many of the primary Internet of Things applications already for our services. The Internet of Things concept is introduced in many real-world applications based on polymeric integrated innovation，pre-existing network with the Internet of Things, intelligent，automated system, summarized and upgrading it upgraded from a higher perspective our knowledge.Four of Things as a basket，and everything installed inside; based on self-awareness, and only be able to interact, communication products as the Internet of Things applications. For example, just embedded some of the sensors，to become the so-called Internet of Things appliances; products labeled with RFID tags, became the Internet of Things applications.esThings widely used throughout the intelligent transportation, environmental protection，government，public safety, peace at home, smart fire, industrial monitoring, environmental monitoring, elderly care，personal health，floriculture，water monitoring，food traceability，enemydetection and intelligence collection and other fields.International Telecommunication Union in 2005, a report has portrayed the picture of the era of the "Internet of Things": car when the driver operational errors will automatically alarm; briefcase will remind the owner forgot somet hing; clothes will ’’tell” washing machine color and water temperature requirements. Billion Bo logistics consulting vivid introduction of Things in the logistics field，for example, a logistics company，application of Things truck，when loading overweight，the car will automatically tell you overloaded and overload how many, but the space remaining，the severity of。
毕业设计论文外文文献翻译
毕业设计(论文）外文文献翻译院系：财务与会计学院年级专业：201＊级财务管理姓名:学号：132148*＊*附件: 财务风险管理【Abstract】Although financial risk has increased significantly in recent years risk and risk management are not contemporary issues。
The result of increasingly global markets is that risk may originate with events thousands of miles away that have nothing to do with the domestic market。
Information is available instantaneously which means that change and subsequent market reactions occur very quickly。
The economic climate and markets can be affected very quickly by changes in exchange rates interest rates and commodity prices。
Counterparties can rapidly become problematic。
As a result it is important to ensure financial risks are identified and managed appropriately. Preparation is a key component of risk management。
【Key Words】Financial risk，Risk management，YieldsI. Financial risks arising1.1What Is Risk1.1.1The concept of riskRisk provides the basis for opportunity. The terms risk and exposure have subtle differences in their meaning. Risk refers to the probability of loss while exposure is the possibility of loss although they are often used interchangeably。
外文文献及翻译
外文文献及翻译1. 文献："The Effects of Exercise on Mental Health"翻译：运动对心理健康的影响Abstract: This article explores the effects of exercise on mental health. The author discusses various studies that have been conducted on this topic, and presents evidence to support the claim that exercise can have positive impacts on mental well-being. The article also examines the mechanisms through which exercise affects mental health, such as the release of endorphins and the reduction of stress hormones. Overall, the author concludes that exercise is an effective strategy for improving mental health and recommends incorporating physical activity into daily routines.摘要：本文探讨了运动对心理健康的影响。
作者讨论了在这个主题上进行的各种研究，并提出证据支持运动对心理健康有积极影响的观点。
该文章还探讨了运动如何影响心理健康的机制，如内啡肽的释放和压力激素的减少。
总的来说，作者得出结论，运动是改善心理健康的有效策略，并建议将体育活动纳入日常生活。
2. 文献： "The Benefits of Bilingualism"翻译：双语能力的好处Abstract: This paper examines the benefits of bilingualism. The author presents research findings that demonstrate the cognitiveadvantages of being bilingual, such as enhanced problem-solving skills and improved attention control. The article also explores the social and cultural benefits of bilingualism, such as increased cultural awareness and the ability to communicate with people from different backgrounds. Additionally, the author discusses the positive effects of bilingualism on mental health, highlighting its role in delaying the onset of cognitive decline and in providing a buffer against age-related memory loss. Overall, the author concludes that bilingualism offers a range of advantages and recommends promoting bilingual education and language learning. 摘要：本文研究了双语能力的好处。
外文文献翻译译稿
外文文献翻译译稿1可用性和期望值来自Willliam S.Green, Patrick W.Jordan.产品的愉悦：超越可用性根据人机工程学会（HFES）的观点，人机工程学着眼于“发现和共享可用于各种系统和设备设计的、关于人的特点的知识”。
人们通常只是把它作为生物力学和人体测量所关注的内容，实际上它是从更广泛的意义上的一种对人（产品用户）的全面和综合的理解。
HFES从二战中有军方从事的系统分析中发展而来。
其中的三种主要研究的是人体测量、复杂信息的解释和管理，以及在部队和装备调配中应用的系统分析。
系统分析在尺度和复杂性方面跨度很大，大的系统分析有类似于诺曼底登陆准备的大型系统规划，小到去理解如何从合理性和规模的角度才最佳的布置和装备人员。
诺曼底登陆是20世纪最复杂的事件之一。
他要求建立一个在战斗开始之前还不确定的庞大的人员和物资的合理分配系统。
在更小的规模上，装备和军事人物的布置意味着如何去组织、训练和安排战士，最大限度的发挥他们的长处。
士兵必须迅速地接受训练，并且能够有效地使用和维护在二战中发展起来的一系列技术装备。
其中，对于飞行员、潜艇人员和坦克驾驶员有神采的限制。
复杂的新装备的开发要求找到最好的税收、密码便医院、破译人员、雷达和声纳操作员、轰炸机驾驶员和机组人员。
在战后，随着公司及其产品在尺度、领域和复杂性方面的增长，很多系统分析人员在商用领域找到了发展机会。
尽管是战后的发展才导致了1957年人机工程协会（HFES）的建立，但人机研究的起源可以追溯到大批量生产方式的成型阶段，是当时提高生产效率的要求。
随着工作方式从手工生产和农业生产中的转移，新的工厂工作的概念逐步发展起来。
福特的流水生产线和泰勒的效率理论开始对生产的规划和教育产生影响。
即使在家庭生活中，妇女们也开始接受了现代家庭管理理论，并运用这些理论来组织和规划家庭。
在20世纪末，一种涵盖面更广的人机工程正在发展之中。
新的人机工程学是为了适应已经被广泛意识到的对用户行为模式更深入的需求而诞生的，它开始应用定型研究方法，并探索人的情感和认知因素。
外文文献及翻译
Yunnan Ethnic pattern in Packaging DesignAbstract: Art is a folk Mother of the arts，is the source of the new art, From which to draw a strong tradition of high—grade Nutrition。
The persons belonging to national folk arts Ethnic patterns，are folk arts Intraoperative a gem, its development Research，and with the means of modern art，art wind Grid，professional skills combine to form a unique Style and features a modern design There are important applications，this paper focuses on Minority Folk pattern in modern packaging design Meter applications are discussed.Keywords: Yunnan Ethnic. Pattern。
Packaging Design.IntroductionYunnan is a multi-ethnic province, Here multiply survive the Han, Yi, Bai More than twenty families， Zhuang, Miao， Dai, etc。
Nation. Long history of various ethnic groups in Yunnan Province， the source is far Long, creating a rich and colorful Folk art。
外文参考文献(带中文翻译)
外文资料原文涂敏之会计学 8051208076Title:Future of SME finance（c）Background – the environment for SME finance has changedFuture economic recovery will depend on the possibility of Crafts, Trades and SMEs to exploit their potential for growth and employment creation.SMEs make a major contribution to growth and employment in the EU and are at the heart of the Lisbon Strategy, whose main objective is to turn Europe into the most competitive and dynamic knowledge-based economy in the world. However, the ability of SMEs to grow depends highly on their potential to invest in restructuring, innovation and qualification. All of these investments need capital and therefore access to finance.Against this background the consistently repeated complaint of SMEs about their problems regarding access to finance is a highly relevant constraint that endangers the economic recovery of Europe.Changes in the finance sector influence the behavior of credit institutes towards Crafts, Trades and SMEs. Recent and ongoing developments in the banking sector add to the concerns of SMEs and will further endanger their access to finance. The main changes in the banking sector which influence SME finance are:•Globalization and internationalization have increased the competition and the profit orientation in the sector;•worsening of the economic situations in some institutes (burst of the ITC bubble, insolvencies) strengthen the focus on profitability further;•Mergers and restructuring created larger structures and many local branches, which had direct and personalized contacts with small enterprises, were closed;•up-coming implementation of new capital adequacy rules (Basel II) will also change SME business of the credit sector and will increase its administrative costs;•Stricter interpretation of State-Aide Rules by the European Commission eliminates the support of banks by public guarantees; many of the effected banks are very active in SME finance.All these changes result in a higher sensitivity for risks and profits in the financesector.The changes in the finance sector affect the accessibility of SMEs to finance.Higher risk awareness in the credit sector, a stronger focus on profitability and the ongoing restructuring in the finance sector change the framework for SME finance and influence the accessibility of SMEs to finance. The most important changes are: •In order to make the higher risk awareness operational, the credit sector introduces new rating systems and instruments for credit scoring;•Risk assessment of SMEs by banks will force the enterprises to present more and better quality information on their businesses;•Banks will try to pass through their additional costs for implementing and running the new capital regulations (Basel II) to their business clients;•due to the increase of competition on interest rates, the bank sector demands more and higher fees for its services (administration of accounts, payments systems, etc.), which are not only additional costs for SMEs but also limit their liquidity;•Small enterprises will lose their personal relationship with decision-makers in local branches –the credit application process will become more formal and anonymous and will probably lose longer;•the credit sector will lose more and more i ts “public function” to provide access to finance for a wide range of economic actors, which it has in a number of countries, in order to support and facilitate economic growth; the profitability of lending becomes the main focus of private credit institutions.All of these developments will make access to finance for SMEs even more difficult and / or will increase the cost of external finance. Business start-ups and SMEs, which want to enter new markets, may especially suffer from shortages regarding finance. A European Code of Conduct between Banks and SMEs would have allowed at least more transparency in the relations between Banks and SMEs and UEAPME regrets that the bank sector was not able to agree on such a commitment.Towards an encompassing policy approach to improve the access of Crafts, Trades and SMEs to financeAll analyses show that credits and loans will stay the main source of finance for the SME sector in Europe. Access to finance was always a main concern for SMEs, but the recent developments in the finance sector worsen the situation even more.Shortage of finance is already a relevant factor, which hinders economic recovery in Europe. Many SMEs are not able to finance their needs for investment.Therefore, UEAPME expects the new European Commission and the new European Parliament to strengthen their efforts to improve the framework conditions for SME finance. Europe’s Crafts, Trades and SMEs ask for an encompassing policy approach, which includes not only the conditions for SMEs’ access to l ending, but will also strengthen their capacity for internal finance and their access to external risk capital.From UEAPME’s point of view such an encompassing approach should be based on three guiding principles:•Risk-sharing between private investors, financial institutes, SMEs and public sector;•Increase of transparency of SMEs towards their external investors and lenders;•improving the regulatory environment for SME finance.Based on these principles and against the background of the changing environment for SME finance, UEAPME proposes policy measures in the following areas:1. New Capital Requirement Directive: SME friendly implementation of Basel IIDue to intensive lobbying activities, UEAPME, together with other Business Associations in Europe, has achieved some improvements in favour of SMEs regarding the new Basel Agreement on regulatory capital (Basel II). The final agreement from the Basel Committee contains a much more realistic approach toward the real risk situation of SME lending for the finance market and will allow the necessary room for adaptations, which respect the different regional traditions and institutional structures.However, the new regulatory system will influence the relations between Banks and SMEs and it will depend very much on the way it will be implemented into European law, whether Basel II becomes burdensome for SMEs and if it will reduce access to finance for them.The new Capital Accord form the Basel Committee gives the financial market authorities and herewith the European Institutions, a lot of flexibility. In about 70 areas they have room to adapt the Accord to their specific needs when implementing itinto EU law. Some of them will have important effects on the costs and the accessibility of finance for SMEs.UEAPME expects therefore from the new European Commission and the new European Parliament:•The implementation of the new Capital Requirement Directive will be costly for the Finance Sector (up to 30 Billion Euro till 2006) and its clients will have to pay for it. Therefore, the implementation – especially for smaller banks, which are often very active in SME finance –has to be carried out with as little administrative burdensome as possible (reporting obligations, statistics, etc.).•The European Regulators must recognize traditional instruments for collaterals (guarantees, etc.) as far as possible.•The European Commission and later the Member States should take over the recommendations from the European Parliament with regard to granularity, access to retail portfolio, maturity, partial use, adaptation of thresholds, etc., which will ease the burden on SME finance.2. SMEs need transparent rating proceduresDue to higher risk awareness of the finance sector and the needs of Basel II, many SMEs will be confronted for the first time with internal rating procedures or credit scoring systems by their banks. The bank will require more and better quality information from their clients and will assess them in a new way. Both up-coming developments are already causing increasing uncertainty amongst SMEs.In order to reduce this uncertainty and to allow SMEs to understand the principles of the new risk assessment, UEAPME demands transparent rating procedures –rating procedures may not become a “Black Box” for SMEs: •The bank should communicate the relevant criteria affecting the rating of SMEs.•The bank should inform SMEs about its assessment in order to allow SMEs to improve.The negotiations on a European Code of Conduct between Banks and SMEs , which would have included a self-commitment for transparent rating procedures by Banks, failed. Therefore, UEAPME expects from the new European Commission and the new European Parliament support for:•binding rules in the framework of the new Capital Adequacy Directive,which ensure the transparency of rating procedures and credit scoring systems for SMEs;•Elaboration of national Codes of Conduct in order to improve the relations between Banks and SMEs and to support the adaptation of SMEs to the new financial environment.3. SMEs need an extension of credit guarantee systems with a special focus on Micro-LendingBusiness start-ups, the transfer of businesses and innovative fast growth SMEs also depended in the past very often on public support to get access to finance. Increasing risk awareness by banks and the stricter interpretation of State Aid Rules will further increase the need for public support.Already now, there are credit guarantee schemes in many countries on the limit of their capacity and too many investment projects cannot be realized by SMEs.Experiences show that Public money, spent for supporting credit guarantees systems, is a very efficient instrument and has a much higher multiplying effect than other instruments. One Euro form the European Investment Funds can stimulate 30 Euro investments in SMEs (for venture capital funds the relation is only 1:2).Therefore, UEAPME expects the new European Commission and the new European Parliament to support:•The extension of funds for national credit guarantees schemes in the framework of the new Multi-Annual Programmed for Enterprises;•The development of new instruments for securitizations of SME portfolios;•The recognition of existing and well functioning credit guarantees schemes as collateral;•More flexibility within the European Instruments, because of national differences in the situation of SME finance;•The development of credit guarantees schemes in the new Member States;•The development of an SBIC-like scheme in the Member States to close the equity gap (0.2 – 2.5 Mio Euro, according to the expert meeting on PACE on April 27 in Luxemburg).•the development of a financial support scheme to encourage the internalizations of SMEs (currently there is no scheme available at EU level: termination of JOP, fading out of JEV).4. SMEs need company and income taxation systems, whichstrengthen their capacity for self-financingMany EU Member States have company and income taxation systems with negative incentives to build-up capital within the company by re-investing their profits. This is especially true for companies, which have to pay income taxes. Already in the past tax-regimes was one of the reasons for the higher dependence of Europe’s SMEs on bank lending. In future, the result of rating w ill also depend on the amount of capital in the company; the high dependence on lending will influence the access to lending. This is a vicious cycle, which has to be broken.Even though company and income taxation falls under the competence of Member States, UEAPME asks the new European Commission and the new European Parliament to publicly support tax-reforms, which will strengthen the capacity of Crafts, Trades and SME for self-financing. Thereby, a special focus on non-corporate companies is needed.5. Risk Capital – equity financingExternal equity financing does not have a real tradition in the SME sector. On the one hand, small enterprises and family business in general have traditionally not been very open towards external equity financing and are not used to informing transparently about their business.On the other hand, many investors of venture capital and similar forms of equity finance are very reluctant regarding investing their funds in smaller companies, which is more costly than investing bigger amounts in larger companies. Furthermore it is much more difficult to set out of such investments in smaller companies.Even though equity financing will never become the main source of financing for SMEs, it is an important instrument for highly innovative start-ups and fast growing companies and it has therefore to be further developed. UEAPME sees three pillars for such an approach where policy support is needed:Availability of venture capital•The Member States should review their taxation systems in order to create incentives to invest private money in all forms of venture capital.•Guarantee instruments for equity financing should be further developed.Improve the conditions for investing venture capital into SMEs•The development of secondary markets for venture capital investments in SMEs should be supported.•Accounting Standards for SMEs should be revised in order to easetransparent exchange of information between investor and owner-manager.Owner-managers must become more aware about the need for transparency towards investors•SME owners will have to realise that in future access to external finance (venture capital or lending) will depend much more on a transparent and open exchange of information about the situation and the perspectives of their companies.•In order to fulfil the new needs for transparency, SMEs will have to use new information instruments (business plans, financial reporting, etc.) and new management instruments (risk-management, financial management, etc.).外文资料翻译涂敏之会计学 8051208076题目：未来的中小企业融资背景：中小企业融资已经改变未来的经济复苏将取决于能否工艺品，贸易和中小企业利用其潜在的增长和创造就业。
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外文文献翻译通过碱焙烧、水浸出、共同沉淀方法，从石煤的酸浸出液中提取钒摘要：关于通过碱焙烧、水浸出、共同沉淀方法，从石煤的酸浸出液中回收钒的研究。
研发了一种用于从石煤的酸浸出液中提取钒的方法，其主要过程包括钒与铁在溶液中共同沉淀，通过碱浸出从沉淀中提取钒，从碱溶液中制取五氧化二钒(V2O5)。
实验发现在石煤酸浸出液中的钒可以被有效地浓缩沉降到沉淀物中，通过添加NaClO3，使每升溶液中含有3.64克NaClO3，同时初始pH值调为1.73，在95°C 下搅拌0.5小时。
向25g沉淀物中加入22.5g NaOH在170 °C温度下焙烧一小时，然后用水过滤焙烧产物，再在98 °C以下以比率3.3:1 mL/g搅拌一小时，可以得到沉淀物中97.0%的钒。
与MgCl2净化后，再向pH保持在2.0的溶液中加入NH4Cl，得到钒酸铵，并在520 °C 下焙烧两个小时，可以得到纯度为99.3%的五氧化二钒(V2O5)。
共沉淀的基本要素是KFe3(SO4)2(OH)6和 HNaV6O16·4H2O。
1、前言石煤是生产五氧化二钒的一种重要原料，在中国,石煤中钒的储备总额是118吨,占国内钒储量的87%以上。
从石煤中提取钒,许多流程被提出,如氯化钠焙烧水浸出,氧化焙烧-碱性浸出或酸性浸出,钙盐焙烧酸浸出,直接酸浸出或压力酸性浸出,硫酸化焙烧水浸出。
在石煤生产五氧化二钒的过程中，酸解被广泛运用，其过程中产生了HCl 和Cl2。
在NaCl焙烧过程中，在碱性溶液中产生大量的Si。
虽然离子置换和溶剂萃取都被用来分离富集在钒的酸浸溶液中的钒。
采用这些方法是因为溶液中有很多Fe离子，调节pH在2.0以上，这些溶液中的Fe离子将被氧化，从而被置换出来。
但是,溶剂萃取的过程中也暴露出许多缺点,例如高反应物的消耗和很多钒存在于反应溶液中。
为了避免在溶剂萃取过程中铁的干扰，首先把钒有三价和四价升高氧化为五价，同时把料液中的铁由三价降到二价从而把钒和铁分离开来。
这个方法的缺点是太多的反应物添加到溶液当中，使反应完后的水中的钒不能处理回收。
本研究的动机是需要避免铁的干扰和减少排放的水中含有大量的钒。
工作提出了通过共同沉淀,碱焙烧和水浸出从石煤钒酸浸出过程中提钒的解决方案,2、实验2.1 原料和分析在这次的研究中使用酸浸出液对石煤进行分解并酸化焙烧产物水虑物。
在表一中列出了经过明矾结晶后的溶液成分。
实验涉及化学试剂：硫酸、石灰、硫酸铵、硫酸亚铁铵、尿素、高锰酸钾、亚硝酸钠、N-苯基邻氨基苯甲酸。
钒与硫酸亚铁铵滴定(化学系,杭州大学,1982)。
铁、铝、钾等是由化学方法和电感耦合等离子体发射光谱(ICP)PS-6等离子SPECTROVAC,贝尔德(美国)进行测定。
PH值由美国制造的ORION-230A进行测定，精度达到0.01。
2.2 试验流程根据执行的实验流程图,图1所示。
为了提取钒，用石灰把PH调整到到预先设定的值。
充分接触一定时间，上层清液进行真空过滤，滤饼用清水进行连续冲洗。
为了减少钒的损失，滤饼进行酸浸并调节PH到2.0，再进行搅拌、过滤。
在溶液中钒可能被NaClO3, H2O2, KMnO4等氧化，由V(III) 和（或）V(IV) 变为 V(V)。
.在这项研究中,选择NaClO3为氧化剂。
在预先调整好PH的1000毫升溶液中加入一定量的NaClO3，在95°C下搅拌，使铁与钒共同沉淀。
充分反应一定时间，过滤沉淀。
对含钒的沉淀和含钒的溶液中钒的含量浓度分别进行分析。
在不同条件下得到的沉淀在水中混合，并在水中进行搅拌，然后过滤和干燥。
混合后的沉淀成分如表1所示。
沉淀物在碱性条件才焙烧，并在水中浸出。
在25g 沉淀中加入一定量的NaOH。
在坩埚中加入适量的水，是NaOH和沉淀充分接触，混匀后，在马弗炉中进行焙烧。
焙烧沉淀和水在一定温度下进行过滤。
反应一定时间后，上清液进行真空过滤、连续冲洗滤饼，持续十分钟，干燥后进行钒成分分析。
3、结果与讨论3.1 钒沉淀物3.1.1 PH 对钒沉淀的影响图二表示PH对钒沉淀的影响。
以NaClO3为氧化剂，钒沉淀的PH 范围为0.85到2.72.向1000毫升（ml）溶液中加入5.30g NaClO3，在95°C搅拌2小时。
可以看到，在PH为1.73时钒的浓度减小到最低，为0.83g/L，再升高或者降低PH对于钒沉淀都是不利的。
因此，PH=1.73为最优的钒沉降PH。
不同方案组合的在PH=1.73时的沉淀情况在表1中列出。
尽管表1中显示，只有75%的钒沉淀，但是在试验中发现，当按照实验方案沉淀后，再循环从石煤中浸出（见图1）剩下的溶液中的钒，几乎都可以富集，并成功沉降。
图3为沉淀的XRD图谱。
其中可以看到两个矿物结晶阶段，即黄钾铁矾(KFe3(SO4)2(OH)6)和氢氧化钒（NaV6O16·4H2O)。
氨铝钒结晶后，溶液中有很多K+和 NH4+。
当温度升高到80°C，初始PH在1.5-2.2时，溶液中形成了黄色的AFe3(SO4)2(OH)6(K = Na,NH4)晶体。
实验发现，当温度低于60°C时，无定形沉淀形成，过滤困难。
3.1.2 NaClO3对钒沉降的影响添加NaClO3，作为氧化剂，把钒从V(III) 和（或） V(IV) 氧化为V(V)，同时把Fe2+氧化为 Fe3+，形成黄钾铁钒。
因此，NaClO3除了对钒有影响外，对其他元素也有影响。
表4结果是在初始PH为1.73，温度为95 °C时，转速为400rpm，搅拌两个小时时，得到的结果。
从图4中可以看出，钒的浓度随着NaClO3用量增加而降低。
当NaClO3的量从0.0g 增加到3.64g时，溶液中的钒浓度从3.30g/L降到0.83g/L,进一步提高浓度，浓度几乎不变。
因此每升溶液中加入3.64g NaClO3是最优的钒沉淀方案。
3.1.3 反应时间对钒沉淀的影响研究反应时间在2.5到4.0小时（h）时对钒沉淀的影响。
初始PH 为1.73，温度为95°C，NaClO3加入量为3.64g/L，搅拌速率为400rpm。
研究结果如图5所示，当反应时间由0.25小时增加到0.5小时，溶液中钒的浓度有1.45g/L降到0.83g/L。
在时间变化范围为0.5小时到2.0小时，钒的浓度几乎相同，高于2.0小时，钒的浓度明显增加。
这表明，在溶液中，开始时，可能是Fe（OH）3和NaV6O16·4H2O形成沉淀，然后是Fe（OH）3转变为黄钾铁矾(KFe3(SO4)2(OH)6)，因此随着时间的延长，钒的沉淀被阻碍。
在实验中发现，开始沉淀的颜色是紫红色的，然后当时间长过0.5小时时，慢慢转变为黄褐色，同时沉淀无固定形状，因此0.5小时被确定为最佳的反应时间。
3.2 碱焙烧和水浸出3.2.1 氢氧化钠（NaOH）添加对浸出的影响添加氢氧化钠（NaOH）对浸出的影响的研究条件为，沉淀混合25g，预先确定重量的氢氧化钠（NaOH），和一定体积的水，然后在240°C 下焙烧一个小时，在98°C 和L / S比3.3:1 mL / g条件下水浸出两个小时。
研究结果显示如图6，氢氧化钠（NaOH）的量从12.5g增加到22.5g，钒的提取从88.5%上升到97%,近一步提高氢氧化钠（NaOH）的量，钒的提取结果几乎不变。
因此，22.5g为提取钒氢氧化钠（NaOH）的最优添加量。
3.2.2 焙烧温度对钒提取的影响图7为焙烧温度对钒提取的影响，研究条件为，沉淀25.0g和22.5g NaOH，焙烧1小时，适当体积的水，混合物的温度变化范围为115 - 350°C。
焙烧混合物在温度为98°C，L / S比3.3:1 mL / g条件下水浸出2.0小时。
图7显示，焙烧温度由115°C提高到170°C,钒的浸出率达到97.0%，再进一步提高温度，钒提取率几乎不改变。
因此焙烧温度增加到170°C已经足够。
3.2.3 焙烧时间对钒浸出的影响为了研究焙烧时间对钒浸出的影响，反应在一下条件下进行，钒沉淀25.0g和22.5g NaOH，适当体积的水，混合物焙烧时间变化范围为0.25小时到1.0小时，焙烧温度为170°C，然后在温度为98°C，L / S比3.3:1 mL / g条件下水浸出2.0小时。
实验结果如图8所示，当焙烧时间有0.25小时增加到1.0小时，钒的提取率有91.9%上升到97.0%，进一步提高焙烧温度，钒的提取率，几乎不变。
因此，焙烧1.0小时为最佳。
3.2.4 浸出温度对钒浸出的影响在最佳条件下，进行焙烧，然后研究浸出温度，对钒浸出的影响。
结果如图9所示，实验是在L / S比3.3:1 mL / g条件下进行的，浸出温度变化范围为25°C到98°C,浸出2.0小时。
可以看出，钒的提取从92.4%上升到97.0%,因此选取98°C为最适浸出温度。
3.2.5浸出时间对钒浸出的影响图10显示的是浸出时间和钒浸出的关系，即是在最优的条件下，温度为98°C，L / S比3.3:1 mL / g,浸出时间的变化范围为0.5小时到5.0小时。
有图10可以看出，在0.5小时到1.0小时，随着时间的增加，钒的浸出率明显增大，浸出时间超出1.0小时，几乎不再变化。
因此浸出最佳时间为1.0小时是合理的，此时钒浸出率为97.0%。
3.2.6 固液比对钒浸出的影响在最优条件下焙烧完后，对固液比（L/S）对钒的浸出率的影响进行研究。
图11为焙烧产物在98 °C下浸出1.0小时的结果。
有图11可以看出，当L/S由0.8：1mL/g增加到3.3:1mL/g，钒的浸出率由92.7%增加到97.0%，当L/S大于3.3:1mL/g，钒的浸出率不再增加。
在表一中浸出溶液和浸出渣的比例调整为3.3:1.0.考虑到高钒浓度，有利于五氧化二钒生成，选择3.3:1 mL/g为最优的实验条件。
3.3五氧化二钒的制备碱浸出溶液与MgCl2净化除去P、As和Si的PH范围为8.0到9.0，用盐酸调节PH到8.5，然后调PH为2.0，得到一定量的钒酸铵沉淀，净化沉淀。
最后在520°C焙烧钒酸铵2小时，可以得到99.3%的五氧化二钒。
4 总结实验研究发现，石煤中的钒，可以通过钒（V）和铁（III）共同沉淀，在碱性条件下焙烧，再用水浸出沉淀，制备出五氧化二钒。
铝除去后，通过添加(NH4)2 SO4形成AlNH4(SO4)2·12H2O和AlK(SO4)2·12H2O 晶体，调节PH到1.73，加NaClO3形成KFe3(SO4)2(OH)6和HNaV6O16·4H2O 的共同沉淀，使溶液中的三价钒V(III) 和（或）四价钒V(IV) 转化为五价钒 V(V)。