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新视野大学英语视听说教程 3 Unit 10-12

时间:2010-10-08 02:55来源:互联网 提供网友:xn0006   字体: [ ]
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News Report
Worsening Bank Assets
Many of the traditional quantitative1 indicators2 suggest that bank asset quality is deteriorating3, and that supervisors4 therefore need to be more sentitive to problems at individual banks, both currently and in the months ahead.
Some of the credits that were made in earlier periods of optimism—especially syndicated loans—are now under pressure and scrutiny5. The softening6 economy and all special circumstances have especially affected7 borrowers in the retail8, manufacturing, health care and telecommunication9 industries. California utilities, as you know, have also been under particular pressure. All of these, and no doubt other problem areas that are not now of foreseeable, require that both bank management and supervisors remain particularly alert to development.
We are fortunate enough that our banking10 system entered this period of weak economic performance in a strong position. After rebuilding capital and liquidity11 in the early 1990s, followed by several years of post-World War II record profits and very strong loan growth, our banks now have prudent12 capital and reserve positions.
In addition, asset quality was quite good by historical standards before the deterioration13 began.
Building on banking practices, we are in the process of improving both lending and supervisory policies that we trust will foster better risk management; but these policies could also reduce the pro-cyclical pattern of easing and tightening14 of bank lending and accordingly increase bank shareholder15 values and economic stability. It is an easy road, Mr. Chairman, but it seems that we are well along it.
 


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1 quantitative TCpyg     
adj.数量的,定量的
参考例句:
  • He said it was only a quantitative difference.他说这仅仅是数量上的差别。
  • We need to do some quantitative analysis of the drugs.我们对药物要进行定量分析。
2 indicators f46872fc1b5f08e9d32bd107be1df829     
(仪器上显示温度、压力、耗油量等的)指针( indicator的名词复数 ); 指示物; (车辆上的)转弯指示灯; 指示信号
参考例句:
  • The economic indicators are better than expected. 经济指标比预期的好。
  • It is still difficult to develop indicators for many concepts used in social science. 为社会科学领域的许多概念确立一个指标仍然很难。
3 deteriorating 78fb3515d7abc3a0539b443be0081fb1     
恶化,变坏( deteriorate的现在分词 )
参考例句:
  • The weather conditions are deteriorating. 天气变得越来越糟。
  • I was well aware of the bad morale and the deteriorating factories. 我很清楚,大家情绪低落,各个工厂越搞越坏。
4 supervisors 80530f394132f10fbf245e5fb15e2667     
n.监督者,管理者( supervisor的名词复数 )
参考例句:
  • I think the best technical people make the best supervisors. 我认为最好的技术人员可以成为最好的管理人员。 来自辞典例句
  • Even the foremen or first-level supervisors have a staffing responsibility. 甚至领班或第一线的监督人员也有任用的责任。 来自辞典例句
5 scrutiny ZDgz6     
n.详细检查,仔细观察
参考例句:
  • His work looks all right,but it will not bear scrutiny.他的工作似乎很好,但是经不起仔细检查。
  • Few wives in their forties can weather such a scrutiny.很少年过四十的妻子经得起这么仔细的观察。
6 softening f4d358268f6bd0b278eabb29f2ee5845     
变软,软化
参考例句:
  • Her eyes, softening, caressed his face. 她的眼光变得很温柔了。它们不住地爱抚他的脸。 来自汉英文学 - 家(1-26) - 家(1-26)
  • He might think my brain was softening or something of the kind. 他也许会觉得我婆婆妈妈的,已经成了个软心肠的人了。
7 affected TzUzg0     
adj.不自然的,假装的
参考例句:
  • She showed an affected interest in our subject.她假装对我们的课题感到兴趣。
  • His manners are affected.他的态度不自然。
8 retail VWoxC     
v./n.零售;adv.以零售价格
参考例句:
  • In this shop they retail tobacco and sweets.这家铺子零售香烟和糖果。
  • These shoes retail at 10 yuan a pair.这些鞋子零卖10元一双。
9 telecommunication 5gMzg5     
n.电信,远距离通信
参考例句:
  • Telecommunication is an industry of service.电信业是一个服务型的行业。
  • I only care about the telecommunication quality and the charge.我只关心通信质量和资费两个方面。
10 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。
11 liquidity VRXzb     
n.流动性,偿债能力,流动资产
参考例句:
  • The bank has progressively increased its liquidity.银行逐渐地增加其流动资产。
  • The demand for and the supply of credit is closely linked to changes in liquidity.信用的供求和流动资金的变化有密切关系。
12 prudent M0Yzg     
adj.谨慎的,有远见的,精打细算的
参考例句:
  • A prudent traveller never disparages his own country.聪明的旅行者从不贬低自己的国家。
  • You must school yourself to be modest and prudent.你要学会谦虚谨慎。
13 deterioration yvvxj     
n.退化;恶化;变坏
参考例句:
  • Mental and physical deterioration both occur naturally with age. 随着年龄的增长,心智和体力自然衰退。
  • The car's bodywork was already showing signs of deterioration. 这辆车的车身已经显示出了劣化迹象。
14 tightening 19aa014b47fbdfbc013e5abf18b64642     
上紧,固定,紧密
参考例句:
  • Make sure the washer is firmly seated before tightening the pipe. 旋紧水管之前,检查一下洗衣机是否已牢牢地固定在底座上了。
  • It needs tightening up a little. 它还需要再收紧些。
15 shareholder VzPwU     
n.股东,股票持有人
参考例句:
  • The account department have prepare a financial statement for the shareholder.财务部为股东准备了一份财务报表。
  • A shareholder may transfer his shares in accordance with the law.股东持有的股份可以依法转让。
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TAG标签:   新视野英语  大学英语
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