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Ten US banks fail 'stress tests'

时间:2009-05-14 00:06来源:互联网 提供网友:酸柠檬不酸   字体: [ ]
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Ten US banks fail 'stress tests'
十个美国银行应力测试失败
Ten of America's largest 19 banks need a combined $74.6bn (£50bn) of extra funds to boost(推进,提高) their cash reserves.(现金储备)

That is the main finding of the so-called "stress tests" to see if the banks have sufficient(足够的,充分的) capital to cope should the recession (衰退,经济不景气)worsen.

Bank of America is the most at risk(处境危险), needing an additional $33.9bn.

"Our hope with today's actions is that banks are going to be able to get back to the business of banking1," said US Treasury2 Secretary Timothy Geithner.

Other banks that need more money include Wells Fargo, which is said to require $13.7bn, and GMAC, the financial arm of General Motors, which needs $11.5bn.

Citigroup requires an additional $5.5bn of funds, and Morgan Stanley has been told to find $1.8bn.

Some of the banks have already indicated(指明,表明) how they intend to raise the money they need by private means such as asset sales, rather than having to secure any additional government loans.(公债)

'No surprises'

The 19 banks that were tested by Treasury Department and Federal Reserve officials account for two-thirds of the total assets of the US banking system, and more than half of the total amount of credit in the US economy.

The banks that require extra capital have been given until 8 June to finalise(使结束,使完结) their plans to do so, and get them approved by regulators.

Mr Geithner said earlier on Thursday that no US bank being screened(遮蔽的) by regulators was at risk of insolvency,(破产) comments echoed by Federal Reserve Chairman Ben Bernanke.

The treasury secretary said he believed that while the majority of the banks would be able to raise any additional money they need from private sources, if they were unable to do so the government may have to provide them with more taxpayer(纳税人) money.

Analysts3 broadly welcomed the results of the stress tests.

"It seems to be that the leaks(漏洞) were very accurate, so there doesn't seem to be any major surprises," said Eric Kuby of North Star Investment Management.

"The fears of nationalisation(国有化) or of failure have more or less disappeared."

Asset sale

The other five banks that have been told they require additional capital are Regions Financial ($2.5bn), SunTrust Banks ($2.2bn), KeyCorp ($1.8bn), Fifth Third Bancorp ($1.1bn), and PNC Financial Services ($600m).

Those that do not require extra funds are Goldman Sachs, JPMorgan Chase, Bank of New York Mellon, MetLife, American Express, State Street, BB&T, US Bancorp and Capital One Financial.

Some of the banks that need extra funds have been quick to announce how they intend to do so.

Bank of America said it would raise the $33.9bn it needs through the sale of assets and other measures, while Citigroup, Morgan Stanley and Wells Fargo are to issue or exchange shares.

Citigroup chief executive Vikram Pandit said his bank's actions would "give it the financial strength to weather an adverse(不利的) stress scenario4".

Criticism

Some commentators(解说员,广播员) have questioned whether the tests have been strict enough.

Professor Nouriel Roubini and Professor Matthew Richardson of New York University said that the doomsday(世界末日) scenario that the banks' books have been subjected to(受到,经受) is actually no worse than the current economic situation.

And as such, they said "the stress test results will not be credibly(可靠的,可信的) interpreted as a sign of of bank health".

Others say that the tests do not take account of the banks' varying business models.(本文由在线英语听力室整理编辑)


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1 banking aySz20     
n.银行业,银行学,金融业
参考例句:
  • John is launching his son on a career in banking.约翰打算让儿子在银行界谋一个新职位。
  • He possesses an extensive knowledge of banking.他具有广博的银行业务知识。
2 treasury 7GeyP     
n.宝库;国库,金库;文库
参考例句:
  • The Treasury was opposed in principle to the proposals.财政部原则上反对这些提案。
  • This book is a treasury of useful information.这本书是有价值的信息宝库。
3 analysts 167ff30c5034ca70abe2d60a6e760448     
分析家,化验员( analyst的名词复数 )
参考例句:
  • City analysts forecast huge profits this year. 伦敦金融分析家预测今年的利润非常丰厚。
  • I was impressed by the high calibre of the researchers and analysts. 研究人员和分析人员的高素质给我留下了深刻印象。
4 scenario lZoxm     
n.剧本,脚本;概要
参考例句:
  • But the birth scenario is not completely accurate.然而分娩脚本并非完全准确的。
  • This is a totally different scenario.这是完全不同的剧本。
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TAG标签:   英语新闻  stress  英语新闻  stress
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