It is maintained in the thesis that financial stru cture of a country should not merely be confined to the relative position of the financial market and financial medium external to businesses . rather , it must also include the following three links . before financial market and financial medium convert savings into investments , they share and manage risks so as to stimulate savings ; during this process , they provide information as the basis for decisions related to resource allocation ; and after the process , they solve encouragement problems to ensure the achievement of goals of resource allocation 论文认为一国金融结构的内涵不应仅仅局限于该国企业外源融资中金融市场与银行中介所处的相对地位，更为重要的是应该包括金融市场与银行中介在完成储蓄向投资转化过程中，通过提供分担与管理风险、信息和解决激励问题等功能，以有利于在事前动员更多的储蓄、事中形成资源配置的选择依据和事后确保资源配置的目的等全过程。
We don t live so much by the law of karma anymore , except for some already fixed karma , like we have to have some certain karma in order to exist in this life . that karma we have to continue with . but then , it can be erased to a certain extent , it can be lubricated , it can be lessened a lot of degrees , or it can be paid in dreams , only at that time 印心以后，或开悟以后，我们就会靠上帝的恩泽生活，除了这一世的定业外，我们不再那么靠因果法律，我们必须有某些业障才能活在这个世上，这些业障是必须有的，不过也可以被洗掉一部分，可以润滑可以减轻很多。
