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VOA双语新闻 --- IMF: Credit Squeeze in US Could Get Worse

时间:2010-11-06 05:59来源:互联网 提供网友:yb1002   字体: [ ]
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The International Monetary1 Fund Tuesday said the turmoil2 in world credit markets that began with rising home loan defaults in the United States is not over and losses could hit $945 billion as the impact spreads into the global economy. The Bloomberg financial news services estimates that banks and securities firms have so far written off only a fraction of that total, $232 billion.

 

国际货币基金组织星期二报告说,美国次贷危机引起的全球信贷市场动荡并没有结束,而且有可能恶化。

IMF specialists say the overall risks to global financial stability have increased sharply in recent months. Jaime Caruana is the principal author of the IMF report on financial stability.

 

国际货币基金组织的专家指出,最近几个月来,全球金融市场面临的风险急剧增加,直接威胁到金融市场的稳定。

"The credit shock emanating3 from the US subprime crisis is set to broaden amid a significant economic slowdown," he said. "The deterioration4 in credit has moved up and across the credit spectrum5."

 

杰米.卡鲁那(Jaime Caruana)是国际货币基金组织货币与资本市场部主任,也是国际货币基金组织关于全球金融稳定状况报告的主要作者。他说:“从美国次级房贷危机放射出来的信贷市场震荡随着经济的大幅度走缓将会进一步扩大。信贷市场的恶化已经加剧,而且扩散到了整个信贷领域。”

As bank losses have soared, lenders have tightened6 standards and, despite lower interest rates, many commercial and consumer loans are still hard to come by. Caruana says more than six months into the crisis, credit markets are still not functioning normally.

 

银行亏损与日俱增,信贷机构纷纷收紧放贷标准,尽管利率不断降低,但很多商业和消费者贷款却还是难以落实。卡鲁那指出,次贷危机发生至今已经六个多月了,信贷市场依然没有恢复正常运作。

"We have seen confidence quickly evaporate, ending in liquidity7 driven solvency8 events that threaten the core financial system," he added.

 

他说:“我们看到,人们的信心在快速蒸发,结果,流动性减少,违约率增加,这一切都威胁着我们的核心金融系统。”

He is referring to the US central bank-orchestrated rescue of the Bear Stearns investment bank, which teetered on the brink9 of bankruptcy10 because of loan losses.

 

卡鲁那指的是上个月美国中央银行美联储合力帮助挽救华尔街投资银行贝尔斯登公司。贝尔斯登公司由于受到信贷亏损的打击而濒临破产。美联储认为,如果不对贝尔斯登公司伸出援手,美国的整个金融系统都将受到威胁。

The IMF is not alone in its worry that the credit crisis could worsen. Morris Goldstein, a financial specialist at Washington's Peterson Institute, says if home prices continue to fall in the United States, defaults on mortgage loans could grow beyond the two million predicted for this year.

 

担心信贷危机恶化的并不仅仅是国际货币基金组织。华盛顿智囊团彼得森国际经济研究所的金融专家莫里斯.戈尔茨坦也认为,假如美国的房屋价格继续下滑,今年的房贷违约数量有可能超过先前预期的两百万。

"It's been estimated that if US housing prices fall by an additional 15 percent or so, approximately a third of US homeowners will have negative equity11 in their homes," he explained. "This raises the question of whether willingness to pay will have to be addressed along with ability to pay."

 

他说:“据估计,假如美国的房屋价格进一步下跌15%,那么,大约三分之一的美国房主就将面临资不抵债的困境,(也就是说,他们的房屋贷款额超过了房屋的市场价格)。由此引起的问题就不光是他们是否有能力偿还贷款了,而会还牵涉到他们愿不愿意偿还。”

US home prices on average declined by 10 percent in 2007, a factor IMF economists12 say contributed to the global credit crisis. Many US mortgage loans were bundled into securities and sold to financial institutions worldwide.

 

美国的房屋价格在2007年平均下滑了10%,国际货币基金组织的经济学家认为,这个因素对全球信贷危机起了推波助澜的作用。美国的很多房屋抵押贷款被塞进有价证券卖给了世界各地的金融机构。

Caruana says if the situation worsens, it may be necessary for governments to spend taxpayer13 money to stabilize14 markets.

 

卡鲁那说,假如形势进一步恶化,各国政府也许有必要动用纳税人的钱来稳定市场。

"I think we have to be careful on that," he cautioned. "And the question is to what extent the situation continues to deteriorate15."

 

他说:“我认为,在这方面我们必须谨慎小心。关键问题是,形势会继续恶化到什么程度。”

The IMF says lax regulation and a failure to recognize the risks of highly leveraged16 loans contributed to the credit crisis. Financial markets, it says, will come under increased strain as world economic growth decelerates.

 

国际货币基金组织说,管理松弛和对高度杠杆借贷的风险缺乏认识导致了目前的信贷危机。伴随着全球经济增长减速,金融市场势必受到越来越大的压力。


点击收听单词发音收听单词发音  

1 monetary pEkxb     
adj.货币的,钱的;通货的;金融的;财政的
参考例句:
  • The monetary system of some countries used to be based on gold.过去有些国家的货币制度是金本位制的。
  • Education in the wilderness is not a matter of monetary means.荒凉地区的教育不是钱财问题。
2 turmoil CKJzj     
n.骚乱,混乱,动乱
参考例句:
  • His mind was in such a turmoil that he couldn't get to sleep.内心的纷扰使他无法入睡。
  • The robbery put the village in a turmoil.抢劫使全村陷入混乱。
3 emanating be70e0c91e48568de32973cab34020e6     
v.从…处传出,传出( emanate的现在分词 );产生,表现,显示
参考例句:
  • Even so, there is a slight odour of potpourri emanating from Longfellow. 纵然如此,也还是可以闻到来自朗费罗的一种轻微的杂烩的味道。 来自辞典例句
  • Many surface waters, particularly those emanating from swampy areas, are often colored to the extent. 许多地表水,特别是由沼泽地区流出的地表水常常染上一定程度的颜色。 来自辞典例句
4 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。
5 spectrum Trhy6     
n.谱,光谱,频谱;范围,幅度,系列
参考例句:
  • This is a kind of atomic spectrum.这是一种原子光谱。
  • We have known much of the constitution of the solar spectrum.关于太阳光谱的构成,我们已了解不少。
6 tightened bd3d8363419d9ff838bae0ba51722ee9     
收紧( tighten的过去式和过去分词 ); (使)变紧; (使)绷紧; 加紧
参考例句:
  • The rope holding the boat suddenly tightened and broke. 系船的绳子突然绷断了。
  • His index finger tightened on the trigger but then relaxed again. 他的食指扣住扳机,然后又松开了。
7 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。
8 solvency twcw5     
n.偿付能力,溶解力
参考例句:
  • Fears about the solvency of the banks precipitated the great economic crash.对银行偿付能力出现恐慌更加速了经济的崩溃。
  • Their targets,including profitability ratios,solvency ratios,asset management ratios.其指标包括盈利比率、偿债能力比率、资产管理比率。
9 brink OWazM     
n.(悬崖、河流等的)边缘,边沿
参考例句:
  • The tree grew on the brink of the cliff.那棵树生长在峭壁的边缘。
  • The two countries were poised on the brink of war.这两个国家处于交战的边缘。
10 bankruptcy fPoyJ     
n.破产;无偿付能力
参考例句:
  • You will have to pull in if you want to escape bankruptcy.如果你想避免破产,就必须节省开支。
  • His firm is just on thin ice of bankruptcy.他的商号正面临破产的危险。
11 equity ji8zp     
n.公正,公平,(无固定利息的)股票
参考例句:
  • They shared the work of the house with equity.他们公平地分担家务。
  • To capture his equity,Murphy must either sell or refinance.要获得资产净值,墨菲必须出售或者重新融资。
12 economists 2ba0a36f92d9c37ef31cc751bca1a748     
n.经济学家,经济专家( economist的名词复数 )
参考例句:
  • The sudden rise in share prices has confounded economists. 股价的突然上涨使经济学家大惑不解。
  • Foreign bankers and economists cautiously welcomed the minister's initiative. 外国银行家和经济学家对部长的倡议反应谨慎。 来自《简明英汉词典》
13 taxpayer ig5zjJ     
n.纳税人
参考例句:
  • The new scheme will run off with a lot of the taxpayer's money.这项新计划将用去纳税人许多钱。
  • The taxpayer are unfavourably disposed towards the recent tax increase.纳税者对最近的增加税收十分反感。
14 stabilize PvuwZ     
vt.(使)稳定,使稳固,使稳定平衡;vi.稳定
参考例句:
  • They are eager to stabilize currencies.他们急于稳定货币。
  • His blood pressure tended to stabilize.他的血压趋向稳定。
15 deteriorate Zm8zW     
v.变坏;恶化;退化
参考例句:
  • Do you think relations between China and Japan will continue to deteriorate?你认为中日关系会继续恶化吗?
  • He held that this would only cause the situation to deteriorate further.他认为,这只会使局势更加恶化。
16 leveraged 4be9cca5c3e3ca3895aa6ea20348747d     
促使…改变( leverage的过去式和过去分词 ); [美国英语]杠杆式投机,(使)举债经营,(使)利用贷款进行投机
参考例句:
  • Chrysler has traditionally been a highly leveraged company. 克莱斯勒一向是一家周转十分灵活的公司。
  • Leveraged recaps have become popular for a number of reasons. 杠杆资本重组的大行其道有好几个原因。
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