評論
打印
Recording 2
錄音二
As U.S. banks recovered with the help of American government and the American taxpayers,
在美國政府和納稅人的幫助下，美國銀行業得以復蘇，
President Obama held meetings with top bank executives, telling them it's time to return the favor.
奧巴馬總統與各銀行高管舉行了會議并告訴銀行是時候作出回報了。
"The way I see it are banks now having a greater obligation to the goal of a wider recovery," he said.
他說：“我認為現在銀行更有義務去完成更大范圍的經濟復蘇這一目標，”
But the president may be giving the financial sector too much credit.
但是總統或許太相信財政部門了。
"It was in a free fall, and it was a very scary period." Economist Martin Neil Baily said.
經濟學家馬丁·尼爾·貝利說：“銀行業危機目前處于自由下滑狀態，現在是令人恐慌的時期。”
After the failure of Lehman Brothers, many of the world's largest banks feared the worst as the collapse of the housing bubble exposed in investments in risky loans.
房產泡沫破滅之后，風投資金面臨高風險，雷曼兄弟破產，很多世界級大銀行擔心自己也將迎來最壞的狀況。
Although he says the worst is just over, Bailey says the banking crisis is not.
盡管貝利稱最糟糕的情況已經過去了，但是他說銀行業的危機還沒有結束。
More than 130 US banks failed in 2009.
2009年已經有130多家美國銀行倒閉。
He predicts high failure rates for smaller, regional banks in 2010 as commercial real estate loans come due.
他預計在2010年，規模較小的地區性銀行倒閉的幾率較大，原因是商業地產貸款將到期。
"So there may actually be a worsening of credit availability to small and medium sized businesses in the next year or so."
“所以預計明年左右，中小企業信貸的數額可能會日益縮小。”
Analysts say the biggest problem is high unemployment, which weakens demand and makes banks reluctant to lend.
專家稱目前最大的問題是高失業率，這會導致借貸需求減少以及銀行不愿意放貸。
But US Bankcorp chief Richard Davis sees the situation differently.
但是美國合眾銀行首席執行官理查德·戴維斯看待這個問題角度有所不同。
"We're probably more optimistic than the experts might be.
“我們比一些經濟專家更樂觀。
With that in mind, we're putting in everything we can, lending is the coal to our engine, so we want to make more loans.
基于樂觀的態度，我們在盡自己最大的努力，借貸就好像煤炭對于引擎的作用一樣，所以我們要放出更多的貸款。
We have to find a way to qualify more people and not put ourselves at risk."
我們會找到一種方式讓更多的人具備貸款資格并不把我們置于危險之中。”
While some economists predict continued recovery in the future, Baily says the only certainty is that banks are unlikely to make the same mistakes---twice.
盡管一些經濟學家預計銀行業會在未來持續復蘇，但是貝利說我們唯一能確定的是銀行不太可能再犯同樣的錯誤。
"You know, forecasting's become a very hazardous business so I don't want to commit myself too much.
“你知道，局勢復雜多變,不容易預測，所以我不想過多地參與。
I don't think we know exactly what's going to happen but it's certainly possible that we could get very slow growth over the next year or two."
我認為我們不能確切地知道接下來會發生的事情，但是我們可以在未來一兩年內讓經濟緩慢好轉。”
If the economy starts to shrink again, Baily says it would make a strong case for a second stimulus --- something the Obama administration hopes will not be necessary.
如果美國經濟再次下滑，貝利認為美國政府應該有充分的理由二度刺激經濟——奧巴馬政府希望不會出現這樣的情況。
Questions 19 to 22 are based on the recording you have just heard.
問題19到22是基于剛剛所聽到的那段錄音。
Question19. What does President Obama hope the banks will do?
問題19：奧巴馬總統希望銀行做什么？
Question20. What is Martin Neil Baily's prediction about the financial situation in the future?
問題20：馬丁·尼爾·貝利預計未來的財務狀況將會怎樣？
Question21. What does U.S. Bankcorp chief Richard Davis say about its future operation?
問題21：美國合眾銀行首席執行官理查德·戴維斯對銀行的未來運營說了什么？
Question22. What does Martin Neil Baily think of a second stimulus to the economy?
問題22：馬丁·尼爾·貝利對二度刺激經濟有什么看法。
譯文屬可可原創，僅供學習和交流使用，未經允許不得轉載
