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翻译研讨 —— 09/05/28 教育报道-在美国学习:个人理财之二

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EDUCATION REPORT - Studying in the US A Lesson in Personal Finance, Part 2

教育报道 在美国学习:个人理财之二

Written by Nancy Steinbach

南希 · 斯坦芭撰稿

This is the VOA Special English Education Report.

这里是 VOA 特别英语节目:教育报道

We continue now with our discussion of personal finance for students.

今天我们继续学生个人理财话题的讨论。

A study in the United States found that eighty-four percent of undergraduates last year had at least one credit card. Half had four or more. Borrowers who do not pay their card debt in full each month have to pay interest on whatever balance remains.

美国的一项研究表明,去年有百分之八十四的大学生拥有至少一张信用卡,拥有四张或更多信用卡的占到半数。借款人不还款,无论剩余差额还有多少,每满一个月都必须支付利息。

Brea Thompson a student at Washington State University in 2005 shows her credit card. A new law will make it harder for banks to give credit cards to people under 21.

Brea Thompson a student at Washington State University in 2005 shows her credit card. A new law will make it harder for banks to give credit cards to people under 21.

2005 年华盛顿洲立大学学生贝瑞阿 • 汤普逊出示她的信用卡,新法律将使银行很难给 21 岁以下人群提供信用卡。

Student loan company Sallie Mae did the study. In a time of economic downturn, it says, college students are depending on credit cards more than ever. It says many seem to use them to live beyond their means -- to spend more than they have.

学生贷款市场协会作过调查,称:在经济低迷时间,大学生更加依赖于信用卡,许多学生利用信用卡过着他们消费不起的生活 –– 入不敷出 . 。

More than three-fourths had to pay finance charges last year because they carried a balance. The average balance was more than three thousand dollars.

去年,有超过四分之三的学生因负债而必须交信贷费用,平均负债额度超过三千美元。

Last Friday, President Obama signed into law a credit card reform bill. It includes protections for people under the age of twenty-one. To get a credit card, they will need a parent or other adult over twenty-one to accept joint responsibility. Or they will need to show they can repay their debts independently.

上周五,奥巴马总统签署了信用卡改革法案使之成为法律,其中包括对二十一岁以下人群的保护政策。要取得信用卡,必须由父母或其它二十一岁以上的成人承担连带责任,或出示其可以独立还债的证明。

Colleges will have to make public any agreements with credit card marketers. And credit card companies may not offer gifts on or near a campus to persuade students.

学院必须与信用卡营销者签订透明的协议,信用卡公司在校园或其附近,不得用赠送礼品等手段引诱学生。

Also, schools are urged to consider limiting the number of places on campus where companies can market credit cards. And they are urged to offer credit card and debt education and counseling sessions to all new students.

而且,督促学校要考虑限制在校园内的信用卡营销点数量,还督促他们要对全体新生开展信用卡及其债务的教育和法律咨询活动。

The new measures from Congress take effect in February.

国会的新举措于二月生效。

Getting a credit card can already be difficult for international students. College advisers say those who want one might consider arriving with one from home.

对外国学生来说,要获得信用卡着实困难,学院指导老师说,那些想持有卡的学生应考虑从本国带一张过来。

Debit cards withdraw money directly from a bank account. But advisers say these can also be difficult sometimes for foreign students to get.

借贷卡直接从银行帐户上取钱,但指导老师说,要获得这种卡有时对外国学生也困难。

A good source of advice about local banking is a school's international student office. At Penn State, for example, adviser Pat Coleman says they have worked with local banks to make banking easier for international students.

有关区域银行业务的一个好建议是,设立学校外国生办事处,例如,在宾夕法尼亚州,指导老师帕特 · 科尔曼说他们已经和地方银行合作,以使外国学生办理银行业务方便些。

Students are generally advised to budget around one to two thousand dollars for expenses for a school year in the United States.

对学生们的普遍建议是,在美国一个学年的花费,预算约一到二仟美元为宜。

And that's the VOA Special English Education Report, written by Nancy Steinbach. Our Foreign Student Series is online at www.unsv.com. A correction: George Mason University is advising the American University of Ras Al-Khaimah, not in Dubai as we said recently. I'm Steve Ember.

以上是 VOA 特别英语节目:教育报道,由南希 · 斯坦芭撰稿,我们的外国留学生系列节目在线网址是 www.unsv.com 。纠正:乔治 · 梅森大学正在指导 Ras Al-Khaimah 的美国大学,不是我们最近说的在迪拜。我是史蒂文 · 艾姆佰。

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This is the VOA Special English Education Report.

We continue now with our discussion of personal finance for students.

现在我们仍然探讨在校学生的个人理财。

A study in the United States found that eighty-four percent of undergraduates last year had at least one credit card. Half had four or more. Borrowers who do not pay their card debt in full each month have to pay interest on whatever balance remains.

一项调查发现美国去年84%的大学生至少拥有一张信用卡,拥有四张以上的占一半。未能足额按月偿还提前支取信用卡的借款人一定会清算余额的利息。

Student loan company Sallie Mae did the study. In a time of economic downturn, it says, college students are depending on credit cards more than ever. It says many seem to use them to live beyond their means -- to spend more than they have.

学生贷款银行Sallie Mae做了一项调查指出,在经济低迷 时,大学生较以前更依赖信用卡,许多人用卡超前享受,也就是入不敷出。

More than three-fourths had to pay finance charges last year because they carried a balance. The average balance was more than three thousand dollars.

多于四分之三大学生去年因为一点余额而必须付清金融收费。平均余额三千多元。

Last Friday, President Obama signed into law a credit card reform bill. It includes protections for people under the age of twenty-one. To get a credit card, they will need a parent or other adult over twenty-one to accept joint responsibility. Or they will need to show they can repay their debts independently.

上周五,奥巴马总统信签署了信用卡改革法,旨在保护不满二十一岁公民,需要经父母或二十一岁以上的成人做担保或者出具自己有独立的偿还能力的前提下才能获得一张信用卡。

Colleges will have to make public any agreements with credit card marketers. And credit card companies may not offer gifts on or near a campus to persuade students.

高等学校将必须和信用卡销售商达成公开的协议。信用卡公司不得提供赠品或在校园附近劝诱学生。

Also, schools are urged to consider limiting the number of places on campus where companies can market credit cards. And they are urged to offer credit card and debt education and counseling sessions to all new students.

学校也就着力考虑对公司在校园内兜售信用卡的一些场所给以限制,也应着力对全体新生提供和增设信用卡和债务教育和咨询机构。

The new measures from Congress take effect in February.

这些国会的新举措有望明年二月施行。

Getting a credit card can already be difficult for international students. College advisers say those who want one might consider arriving with one from home.

 对于留学生来说,取得一张信用卡可能相当麻烦,学院顾问团说那些想用卡才可能考虑从国内随身携带了。

Debit cards withdraw money directly from a bank account. But advisers say these can also be difficult sometimes for foreign students to get.

借方卡可以直接人银行帐户上取钱。但顾问团说这对留学生来说得到一张也不太容易。

A good source of advice about local banking is a school's international student office. At Penn State, for example, adviser Pat Coleman says they have worked with local banks to make banking easier for international students.

关于当地银行最可靠的消息来源是学校的国际学生办公室,例如,佩恩州的顾问帕特科尔曼说,他们为留学生能够顺利进行银行业务已经和当地银行进行协商。

Students are generally advised to budget around one to two thousand dollars for expenses for a school year in the United States.在美国学生总体上的预算开支一学年大约两千元。

And that's the VOA Special English Education Report, written by Nancy Steinbach. Our Foreign Student Series is online at www.unsv.com. A correction: George Mason University is advising the American University of Ras Al-Khaimah, not in Dubai as we said recently. I'm Steve Ember.

 

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