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2009年12月18日报道 –美国银行面临多贷款的压力

楼主:Early Bird 日期: 回贴:1 浏览:

ECONOMICS REPORT - US Banks Under Pressure to Lend More
2009
12 18 报道 美国银行面临多贷款的压力。

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http://www.unsv.com/voanews/specialenglish/scripts/2009/12/18/0041/

This is the VOA Special English Economics Report.
这里是 VOA 特别英语的经济报道

President Obama told some of the nation's top bankers Monday that they need to explore "every responsible way" to make more loans.

奥巴马总统周一告诉全美主要银行家,他们需要“设法尽责地”多放款。

BARACK OBAMA: "America's banks received extraordinary assistance from American taxpayers to rebuild their industry. And now that they're back on their feet, we expect extraordinary commitment from them to help rebuild the economy."

巴拉克 . 奥巴马:“在重振银行业时,美国银行从美国纳税人获得极大的援助。既然银行业已经振作,那么我们希望从银行获得额外的承诺,以重振美国经济。”

Earlier, he criticized what he called "fat-cat bankers on Wall Street."

早先,他批评说“华尔街有钱有势的银行家”。

Major banks have been doing well since the worst of the financial crisis shook Wall Street more than a year ago. Banks including Bank of America, Citigroup and Wells Fargo have recently announced plans to repay government rescue money.

自最坏金融危机在一年多之前打击华尔街以来,主要银行表现良好。诸如美国银行、花旗及富国银行等银行近期宣布偿还政府救援资金的计划。

New profits and freedom from the pay limits tied to federal aid mean bankers can again receive big bonuses. But critics say banks are profiting mainly from trading activities, not from making loans to small businesses or homeowners.

新增利润以及摆脱与联邦援助相关的薪资限制自由意味着,银行家可再次收到高额花红。但是,批评人士说,银行的利润主要来自于交易,而非来自于向小型公司或房主的贷款。

Britain has placed a fifty percent tax on bonuses for bankers. There have been calls for similar measures in the United States.

英国对银行家的花红征收 50% 的税。在美国,一直有类似举措的呼吁。

Unemployment rates are the highest in a generation -- ten percent nationally in November. An estimated seventeen percent of the labor force either lacks a job or is not working enough to pay all the bills.

11 月全美失业率是 10 年新高 (10%) 。估计 17% 的劳动力没有工作或入不敷出。

The weak job market has not only hurt spending, the lifeblood of the economy. It also puts pressure on homeowners who are struggling to pay their mortgage loans. Record numbers have been told that they could lose their homes. Banks are expected to have sent almost four million foreclosure notices this year.

病弱的劳动力市场不仅损害消耗 ( 经济命脉 ) ,而且也使穷于支付抵押贷款的房主压力倍增。新纪录的人员被告知,他们可能丧失房产。据估计,银行今年已经发出了大约 400 万没收房产通知。

The administration has had limited success with its promise of seventy-five billion dollars to help struggling homeowners. The Making Home Affordable program aims to prevent up to four million foreclosures. The idea is to get banks to reduce monthly payments. But fewer than thirty-two thousand loans have been permanently changed so far.

美国政府在帮助困难房主的 750 亿美元承诺方面略有小成。房产可购计划的目的是防止高达 400 万房产的没收。这一想法是要求银行降低月供。但是,至今只有不到 3.2 个贷款进行了永久性修改。

Lenders are unwilling to change loans that they suspect will fail anyway. An estimated one-fourth of homeowners owe more than their home is worth. That situation increases the risk that a loan will not be repaid.

放款人不愿修改他们怀疑最后无法偿还的贷款。估计四分之一的雇主欠款高于房产价值。这会增加贷款无法偿还的风险。

Stephen Thode at Lehigh University in Pennsylvania says progress in the housing market will be limited until the job market gets better.

宾夕法尼亚 利哈伊大学 的 Stephen Thode 说,除非劳动力市场改善,否则房产市场回暖有限。

STEPHEN THODE: "Typically the real estate sector leads the economy in a recovery, meaning that it tends to pick up before some other things. But people have to have confidence that things are going to improve."

Stephen Thode :“地产业通常在经济中率先恢复,即比其它行业先回暖。但是,民众必须有“诸事会好转”的信心”。

Most new jobs in the United States are created by small businesses. But small businesses have been hit hard by the recession and now the difficulty in getting loans.

美国许多新增就业是由小公司创造的。但是,小公司受到经济衰退的重创,并且目前贷款困难。

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

这是 Mario Ritter 编写的 VOA 特别英语经济报道。我是 Steve Ember 。

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最佳回复 该帖于2009年12月19日被版主推荐为精华帖。

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