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翻译研讨:2009/05/22 经济报道——美国信用卡公司面临新限制

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ECONOMICS REPORT – Credit Card Companies in US Face New Limits

2009 年 5 月 21 日经济报道: 美国信用卡公司面临新限制。

This is the VOA Special English Economics Report.

这是 VOA 特别英语的经济报道。

A bill to place new restrictions on the credit card industry in the United States won final approval this week in Congress. The measure went to President Obama to sign into law with popular support, except among banks.

本周,设置美国信用卡业新限制的法案获得了国会的最终批准。除了银行之外,这一措施获得了大众的支持,并已递交给总统奥巴马,将由其签署为法律。

Credit card companies will have to inform cardholders forty-five days before they raise interest rates or change other important terms. The new act will also bar companies from raising rates on existing debts unless payment is at least sixty days late.

在信用卡公司提高利率或修改其它重要条款 45 天之前,必须通知持卡人。这一新法案也禁止信用卡公司提高现有债务的利率,除非这一欠款至少逾期 60 天。

Also, companies will have to send out billing statements at least twenty-one days before a payment is owed. They will have to tell how long and how much it would take to pay off a card if the holder makes only the lowest monthly payment. And they will have to write their cardholder agreements clearly and publish them online.

另外,在欠款逾期至少 21 天之前,信用卡公司必须寄送帐单声明。如果持卡人只支付最低月度还款,信用卡公司必须告知需要多长时间及(支付)多少金额,才可付清一张信用卡上的欠款。并且,他们还必须清楚地载明持卡人协议,并且将协议在网上发布。

These changes, however, will not take effect for nine months.

但是,这些修改在 9 个月之后才会生效。

President Obama recently said it was time for credit card reform:

BARACK OBAMA: "Instead of an 'anything goes' approach, we need strong and reliable protections for consumers. Instead of fine print that hides the truth, we need credit card forms and statements that have plain language in plain sight."

最近,总统奥巴马说,是进行信用卡改革的时候了。

巴拉克 . 奥巴马:“(我们)不需要率性而为的行为,我们需要强力而可靠的消费者保护措施。(我们)不需要隐瞒 真相的 晦涩 难懂 条文,我们需要信用卡改革以及清晰可见与简洁的声明。”

Credit card companies say the changes will only reduce the availability of credit. These come at a time of recession when banks are reporting billions in losses in their credit card divisions.

信用卡公司说,这些修改只会减少信用的获得;这些修改在衰退之时来临,而此时银行纷纷报告了其信用卡部数十亿的亏损。

The president of the American Bankers Association says the legislation "changes the entire business model of credit cards." Edward Yingling says it restricts the ability to price credit for risk -- in other words, to charge more for those more likely not to repay their debts.

美国银行家协会主席(爱德华 . 英林)说,这一立法“改变信用卡的整个业务模式”。他说,这一立法限制了(银行)对信用风险定价( / 界定)的能力,换言之,对那些可能无法还款的人收费更高。

Lots of people pay off their credit cards in full each month to avoid finance charges. But industry experts say card providers might now start charging new fees for all cardholders. And, they say, companies could raise their interest rates.

许多人每月全额还清所有信用卡(的欠款),以避免收费。但是。业界专家说,信用卡公司可能开始对所有持卡人收取新费用。另外,他们还说,信用卡公司可能提高其利率。

Americans held nine hundred forty-six billion dollars in credit card debt at the end of March. That was down from last year, but still about twenty-five percent more than ten years ago.

美国人在三月底持有 9460 亿美元的信用卡债务;低于去年(同期),但仍然比 10 年前高出大约 25% 。

Elizabeth Kiss is a personal finance specialist with Perdue University in Indiana. She says the main value of the new credit card act is that it "provides an opportunity for consumers to have more information."

伊丽莎白 . 基斯是印第安那州普渡大学的私人财务专家。她说,新信用卡法案的主要价值在于“提供消费者一个获得更多信息的机遇”。

But, she says, consumers have to make their own informed decisions. In her words, "We need to know how using credit fits into our plans and goals."

但是,她说,消费者自己必须作出理性决策,即“我们需要知道信用的使用符合我们的计划与目的”。

And that's the VOA Special English Economics Report, written by Mario Ritter. I'm Steve Ember.

这是由 Mario Ritter 编写的、 VOA 特别英语的经济报道。我是 Steve Ember 。

----------------------------------------
最佳回复 该帖于2009年5月22日被版主推荐为精华帖。

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1楼 作者:tulip 创建: <编辑>  <引用>

statements that have plain language in plain sight."

清晰可见与简洁的声明。

以上翻译过于死硬,有点绕口,不符合理解,

译为:简明扼要的操作要领。

本人认为and前后是有必然联系的,制度对应的应该是其操作可行性,与我们字面上意义的声明,陈述略有不同。

这才符合外国人的逻辑联系的思维方式,而非一堆不相干的东西粘在一起。

请教还有高手评点。

  第2楼 作者:SHANGYU CHEN 创建: <编辑>  <引用>

'anything goes' approach, 意思是:毫无规矩,来者不拒的意思。这里只的是以前的信用卡公司的行为。

这句话的翻译:“代替过去那种毫无规矩的行为,我们需要对消费者有一个强有力和可信的措施。”

3楼 作者:hollye 创建: <编辑>  <引用>

This is the VOA Special English Economics Report.

这里是voa慢速英语经济报道

A bill to place new restrictions on the credit card industry in the United States won final approval this week in Congress. The measure went to President Obama to sign into law with popular support, except among banks.

一个加入新限制条例的信用卡产业相关法案,在本周赢得了美国国会的最终批准。这法案已递交奥巴马总统,由其来签署成法律。这一法案得到了民众支持,除了银行业。

Credit card companies will have to inform cardholders forty-five days before they raise interest rates or change other important terms. The new act will also bar companies from raising rates on existing debts unless payment is at least sixty days late.

在新的法案下,信用卡公司若想加息或者改变其他条款,必须在45天前告知持卡人。新法案也禁止信用卡公司对现有的贷款加息,除非还款晚了至少60天。

Also, companies will have to send out billing statements at least twenty-one days before a payment is owed. They will have to tell how long and how much it would take to pay off a card if the holder makes only the lowest monthly payment. And they will have to write their cardholder agreements clearly and publish them online.

信用卡公司必须在欠款至少21天前发出账单说明。如果信用卡持有者选择最低的月付款额度,信用卡公司要告知持卡人需要多久、多少钱来付清账单。信用卡公司还要写清楚持卡者协议,并可在线对持卡者做出处罚。

These changes, however, will not take effect for nine months. President Obama recently said it was time for credit card reform:

然而这些改变在九个月内不会生效,最近奥巴马总统表示,信用卡改革可以在这九个月内进行。

BARACK OBAMA: "Instead of an 'anything goes' approach, we need strong and reliable protections for consumers. Instead of fine print that hides the truth, we need credit card forms and statements that have plain language in plain sight."

我们的消费者需要有力的、可靠的保护,而不是每件事情都逼近。我们需要信用卡的形式和其说明能用简明的文字并一览无遗,而不是把真相藏在难懂的条文之后。

Credit card companies say the changes will only reduce the availability of credit. These come at a time of recession when banks are reporting billions in losses in their credit card divisions.

信用卡公司表示,这些法案在银行的信用卡部门亏损几十亿的经济衰退情况下推出,将只会减少贷款的有效性。

The president of the American Bankers Association says the legislation "changes the entire business model of credit cards." Edward Yingling says it restricts the ability to price credit for risk -- in other words, to charge more for those more likely not to repay their debts.

美国银行家协会主席爱德华 英灵表示:这项立法将完全改变信用卡的商业模式,并会限制信用卡的风险能力——换句话说,将会让那些不还账单的支付更多。

Lots of people pay off their credit cards in full each month to avoid finance charges. But industry experts say card providers might now start charging new fees for all cardholders.

很多人每月都还清信用卡账单以免支付信用费用。但是业内专家表示,信用卡供应商现在可能已经开始对所有持卡人征收新的费用了。

And, they say, companies could raise their interest rates. Americans held nine hundred forty-six billion dollars in credit card debt at the end of March. That was down from last year, but still about twenty-five percent more than ten years ago.

信用卡公司也可能增加他们的利率。截止三月末,美国共有九千四百六十亿的信用卡债务。这比去年同期有所下降,但仍比十年前多出二十个百分点。

Elizabeth Kiss is a personal finance specialist with Perdue University in Indiana. She says the main value of the new credit card act is that it "provides an opportunity for consumers to have more information."

印第安纳普渡大学的个人理财专家Elizabeth Kiss表示,新信用卡法案的主要意义是---它给消费者提供了拥有更多信息的机会。

But, she says, consumers have to make their own informed decisions. In her words, "We need to know how using credit fits into our plans and goals."

但是消费者也要自己做出明智的决定,用她的话讲就是——我们需要明白怎样让贷款来适合我们的计划和目标。

4楼 作者:wengarden 创建: <编辑>  <引用>

讨论;

译文来自第一楼。不是原文有问题,只是另外的一个译法,

A bill to place new restrictions on the credit card industry in the United States won final approval this week in Congress. The measure went to President Obama to sign into law with popular support, except among banks.

本周,设置美国信用卡业新限制的法案获得了国会的最终批准。除了银行之外,这一措施获得了大众的支持,并已递交给总统奥巴马,将由其签署为法律。

对与红色部分,如果是我译,我想,可能会译为:增加限制美国信用卡法案法案获得了国会的最终批准

  第5楼 作者:SHANGYU CHEN 创建: <编辑>  <引用>

ECONOMICS REPORT - Credit Card Companies in US Face New Limits

经济报道---美国信用卡公司面临新的限制

Written by Mario Ritter

This is the VOA Special English Economics Report.

这里是美国之音的特别英语节目的经济报道

A bill to place new restrictions on the credit card industry in the United States won final approval this week in Congress. The measure went to President Obama to sign into law with popular support, except among banks.

一项旨在对美国信用卡行业严格管制的新的法案本周最终通过了国会的批准。这些已经送给奥巴马总统签署的措施得到除了银行之外的公众的普遍支持。

Credit card companies will have to inform cardholders forty-five days before they raise interest rates or change other important terms. The new act will also bar companies from raising rates on existing debts unless payment is at least sixty days late.

信用卡公司增加利息或者有其他条款的变化必须在四十五天前通知信用卡持有人。新的条例也将阻止信用卡公司对已经存在的债务增加利息,除非这些债务支付延迟60天以上。

Also, companies will have to send out billing statements at least twenty-one days before a payment is owed. They will have to tell how long and how much it would take to pay off a card if the holder makes only the lowest monthly payment. And they will have to write their cardholder agreements clearly and publish them online.

同时,公司必须在付款到期前至少21天寄出账单。如果卡的持有人只能支付每月的最低还款额,信用卡公司必须要告诉他们要多长时间,多少钱来支付所有的债务。还要与持卡人写清楚互相之间的协议并且公布在网上。

These changes, however, will not take effect for nine months.

然而,这些条例,九个月以后才会生效。

President Obama recently said it was time for credit card reform:

总统奥巴马最近说:已经是时候改革信用卡制度了。

BARACK OBAMA: "Instead of an 'anything goes' approach, we need strong and reliable protections for consumers. Instead of fine print that hides the truth, we need credit card forms and statements that have plain language in plain sight."

奥巴马说:“代替过去这种毫无规则,来者不拒的做法,我们现在必须对消费者有一个强大的可信的保护措施。代替过去那种漂亮的打印背后却隐藏着事实,我们需要用明确语言表述的信用卡表格和账单。”

'anything goes'意思是说,毫无规则,来者不拒的事情。

Credit card companies say the changes will only reduce the availability of credit. These come at a time of recession when banks are reporting billions in losses in their credit card divisions.

信用卡公司说,这些变化只会减少信用规模。这些规定的出台刚好在这个经济衰退的时候,各个银行纷纷报告他们的信用卡部门已经有数以十亿计的损失。

The president of the American Bankers Association says the legislation "changes the entire business model of credit cards." Edward Yingling says it restricts the ability to price credit for risk -- in other words, to charge more for those more likely not to repay their debts.

美国银行协会主席EDWARD YINGLING说,条文:“改变整个信用卡的商业模式  意味着限制了对信用卡风险的定价,换句话说,对于那些信用较差的人,收费更高。

这里的those more likely not to repay their debts.是可能会没有能力支付债务的人。按照中文的习惯就是“信用不好”的人。

Lots of people pay off their credit cards in full each month to avoid finance charges. But industry experts say card providers might now start charging new fees for all cardholders. And, they say, companies could raise their interest rates.

很多人为了避免财务费用,对于他们的信用卡都是每月全额还款的。行业专家说,信用卡公司现在可能会开始对所有的持卡人进行新的收费。同时,他们也说,公司可能会提高他们的利息。

Americans held nine hundred forty-six billion dollars in credit card debt at the end of March. That was down from last year, but still about twenty-five percent more than ten years ago.

到今年的三月底,美国人的信用卡债务余额是9460亿美元。这个数字较去年减少了一些,但是仍然比十年前高出25%

Elizabeth Kiss is a personal finance specialist with Perdue University in Indiana. She says the main value of the new credit card act is that it "provides an opportunity for consumers to have more information."

ELIZABETH KISS 是印第安纳普渡大学的个人财务专家。她说:新的信用卡条例的主要意义在于:“给消费者有机会得到更多的信息”。

But, she says, consumers have to make their own informed decisions. In her words, "We need to know how using credit fits into our plans and goals."

但是,她说,消费者必须做出他们自己的理性的决策。用她的话说:”我们需要知道信用的使用是符合我们的计划和目的的。“

And that's the VOA Special English Economics Report, written by Mario Ritter. I'm Steve Ember.

 

 

6楼 作者:SHANGYU CHEN 创建: <编辑>  <引用>

“fine print” 指的是信用卡账单背后的小字打印的条款,这些条款一般人是从来不看的。

这句话的翻译我的理解是:“代替过去那种小字打印的背后却隐藏着事实的账单,我们需要用明确语言表述的信用卡表格和账单。” 

7楼 作者:longjie 创建: <编辑>  <引用>
thx~
8楼 作者:jackwyuan 创建: <编辑>  <引用>
1 -  作者:tulip -  创建于:2009-5-22 11:36

statements that have plain language in plain sight."

清晰可见与简洁的声明。

以上翻译过于死硬,有点绕口,不符合理解,

译为:简明扼要的操作要领。

本人认为and前后是有必然联系的,制度对应的应该是其操作可行性,与我们字面上意义的声明,陈述略有不同。

这才符合外国人的逻辑联系的思维方式,而非一堆不相干的东西粘在一起。

请教还有高手评点。

forms and statements 是指表单和帐单

9楼 作者:jackwyuan 创建: <编辑>  <引用>
5 - 作者:SHANGYU CHEN - 创建于:2009-5-22 13:33

The president of the American Bankers Association says the legislation "changes the entire business model of credit cards." Edward Yingling says it restricts the ability to price credit for risk -- in other words, to charge more for those more likely not to repay their debts.

美国银行协会主席 EDWARD YINGLING 说,条文:“改变整个信用卡的商业模式 ” 意味着限制了对信用卡风险的定价,换句话说,对于那些信用较差的人,收费更高。

【 这里的 those more likely not to repay their debts. 是可能会没有能力支付债务的人。按照中文的习惯就是“信用不好”的人。 】

基本赞同, 但是中文翻译时,可以更清楚和准确. 如下:

美国银行协会主席 EDWARD YINGLING 说,条文:“改变整个信用卡的商业模式 ” 意味着限制了对信用卡的风险定价的能力,换句话说,也就限制了对于那些信用较差的人收费更高的能力

10楼 作者:tracyhust 创建: <编辑>  <引用>
9 -  作者:jackwyuan -  创建于:2009-6-4 13:18
5 - 作者:SHANGYU CHEN - 创建于:2009-5-22 13:33

The president of the American Bankers Association says the legislation "changes the entire business model of credit cards." Edward Yingling says it restricts the ability to price credit for risk -- in other words, to charge more for those more likely not to repay their debts.

美国银行协会主席 EDWARD YINGLING 说,条文:“改变整个信用卡的商业模式 ” 意味着限制了对信用卡风险的定价,换句话说,对于那些信用较差的人,收费更高。

【 这里的 those more likely not to repay their debts. 是可能会没有能力支付债务的人。按照中文的习惯就是“信用不好”的人。 】

基本赞同, 但是中文翻译时,可以更清楚和准确. 如下:

美国银行协会主席 EDWARD YINGLING 说,条文:“改变整个信用卡的商业模式 ” 意味着限制了对信用卡的风险定价的能力,换句话说,也就限制了对于那些信用较差的人收费更高的能力

 这个说的对,to  charge ...和to price ...对应,原文翻译会让人误解成相反的意思。

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