美国人这样说银行英语Chapter 2-5-1 金融危机实用对话及情景句（一）

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[00:02.17]2-5-1 Financial Crisis(1)	金融危机（一）
[00:07.73]Paul: Alice, the current financial crisis seems to have stronger impact on the global economy than expected. 	保罗:爱丽丝，目前的金融危机对全球经济的影响似乎比预想的还要 大。
[00:14.55]But I don't know how all this could have happened.	但我不知道所有这些是怎么发生的。
[00:18.15]Alice: To give you a general picture, let's look at the background of this crisis. 	爱丽丝:为了让您有一个全面的了解,我们首先来看看危机的背景。
[00:20.80]Let's get back to the time when the crisis was still just a big speculative housing bubble. 	让 我们回到危机还只是一个大大的投机性房地产泡味时,
[00:28.88]Until then, banks would refuse to lend money to people with poor credit history or no income. 	在那之前，银行不会把款货给那些信用记录差又没有收入的人。
[00:35.35]The qualification guidelines to get a mortgage were pretty tight. .	要获 得货款的条件非常严格。
[00:40.11]Paul: It was reasonable.	保罗:这是合乎道理的。
[00:42.66]Alice: Yes. 	爱丽丝:是的。
[00:43.47]Generally, the demand was for low risk investments that paid some nice return. 	一般来说,大家需要的是低风险、高回报的投资,
[00:48.10]However, such investment options were not easy to find. 	但这样 的机会不容易找到。
[00:52.26]This pushed a great amount of money straight into the US mortgage market thanks to the unique financial vehicle―securitization.	美国独特的金融工具证券化使大置的资本 流动到美国按揭货款市场。
[01:01.07]Paul: How does it work?	保罗:按揭证券是如何衍生的呢？
[01:03.21]Alice: An individual gets a mortgage loan from a broker. 	爱丽丝:人们通过经纪人取得按揭货款,
[01:06.58]4 Then the broker sells the mortgage to a bank, which in its turn again sells the mortgage but this time to an investment firm on Wall Street. 	经纪人把按揭转卖给银行,银 行又把按揭转卖给华尔街的投资公司。
[01:15.14]Such firms collect thousands of mortgages in one big pile. 	这些投资公司集聚了许许多多的按揭,
[01:18.85]This in fact represents thousands of mortgage checks coming every month.	每个月会收到许许多多的按揭月供支票。
[01:23.81]Paul: Was the practice acceptable?	保罗:这种做法是可以接受的吗？
[01:27.11]Alice: Mortgage-backed securities seemed like the perfect solution to the great demand of capital. 	 爱丽丝:按揭证券看起来似乎是对资本投资巨大需求的完美解决方案。
[01:32.09]After all, in the beginning they were wonderful, safe investments, which were built out of mortgages with big down payments and steady income. 	不管怎么说,按揭证券最初还是一种安全、良好的投资方式,给投资机构带来了大额的首付和秘定的收入。
[01:41.15]And investors loved them, not only US investors but investors from all over the world.	按揭证券深受投资者欢迎,不管是美国的投资者还是全世界的投资者都喜欢。
[01:47.51]Paul: The demand for mortgage-backed securities must be very high.	保罗:当时对按揭证券的需求肯定很大。
[01:52.22]Alice: Absolutely. 	爱丽丝:当然很大。
[01:56.15]In fact, in 2003 almost everyone who qualified for a mortgage got one, but the global money kept flowing in. 	2003年,符合按揭货款条件的几乎每个人都取得了 货款，但全球的资金还在涌入。
[02:02.74]Thus, the mortgage qualification guidelines changed.	这种情况下,按揭货款的条件发生了改变。
[02:06.05]Paul: How?	保罗:怎么变？
[02:07.80]Changed for tighter or looser requirements?	更严格了还是更宽松了？
[02:10.87]Alice: Way looser.	爱丽丝:变得宽松多了。
[02:12.91]Paul: Why did a lending bank loosen its criteria so much?	保罗:放款银行为什么会把按揭条件放宽这么多？
[02:16.27]Alice: Well, banks didn't keep these mortgages. 	爱丽丝:嗯,放款银行不会保留这些按揭,
[02:21.41]They didn't care whether they are risky or the borrower will ever pay them back simply because they sold the mortgages to Wall Street. 	所以不在乎有没有风险或借款 人会不会还款,因为他们把这些按揭卖给华尔街的投资公司。
[02:27.99]The Wall Street then sold them to global investors as low risk securities.	华尔街的投资公司再把按揭以低风险的证券方式卖给全世界的投资者。
[02:33.77]实用情景句型
[02:38.13]1.?????????? But I don't know how all this could have happened. .	但我不知道所有这些是怎么发生的。
[02:42.04]But I don't know how all of these have come to pass. .	但我不知道所有这些是怎么发生的。
[02:44.74]But I actually do not know how all these have occurred. .	但我不知道所有这些是怎么发生的。
[02:50.56]But I don't know how all of these could have been made to happen. .	但我不知道所有这些是怎么发生的。
[02:56.67]I don't know what's wrong today.	今天我不知道是怎么回事。
[03:00.02]I don't know where it comes from. .	我不知道这是怎么来的。
[03:03.78]I don't know what has come over me. .	我不知道我是怎么了。
[03:07.85]I don't know how it started; in any case, there was a brief scuffle.	我不知道是怎么开始的，反正有个短暂的混战。
[03:13.00]I'm not sure how he does it.	我不知道他是怎么做到的。
[03:21.56]2.?????????? The qualification guidelines to get a mortgage were pretty tight.	要获得贷款的条件非常严格。
[03:26.83]It's very strict to gain the terms of the loans. .	要获得贷款的条件非常严格。
[03:31.53]The loans conditions that you want to get were very hard.	要获得贷款的条件非常严格。
[03:36.79]In the housing provident fund withdrawal, loan conditions have been greatly changed.	在住房公积金的提取、贷款条件方面 有了较大变化。
[03:43.88]Many buyers asking for mortgage contingencies and sellers remain reluctant to accept this.	许多顾客要求获得贷款条件，而销售 商依然不愿意接受。
[03:51.81]If the criteria are well established, defaults on the modified loans should not be a big problem.	假如建立好标准，未来要修改贷款条件应该不是个大问题。
[03:59.88]We have strict conditions for granting loans.	我们严格掌握贷款发放条件。
[04:06.03]Tighter loan standards may weaken business investment and sharpen a housing market slowdown.	严格的贷款标准可能削弱商业投资和加剧房地产市场的衰退。
[04:18.10]3.?????????? How does it work?	按揭证券是如何衍生的呢?
[04:19.96]How does it come about?	按揭证券是如何衍生的呢？
[04:23.17]How is it determined?	按揭证券是如何衍生的呢？
[04:25.63]How is it generated? 	按揭证券是如何衍生的呢？
[04:28.04]How does a new product come about?	一件新的产品是如何产生的呢？
[04:31.79]How did these differences come about?	这些差异是如何产生的呢？
[04:35.55]In that case, the financial markets for commodities market are to be selected?	那么，金融市场对商品市场的影响是如何产生的呢？
[04:41.22]These are created by investment firms that buy up a group of mortgages from lenders.	按揭证券由投资公司从借贷者手中买断抵押贷款而形成的。
[04:48.35]We are also making good progress in promoting fixed rate mortgages.	我们在促进定息按揭发展方面取得良好进展。
[04:59.33]4. An individual gets a mortgage loan from a broker.	人们通过经纪人取得按揭贷款。
[05:03.58]From agents people get the mortgage finance.	人们通过经纪人取得按揭贷款。
[05:07.79]How smooth and successful secondary housing mortgage?	如何顺利并成功取得二手房按揭贷款？
[05:12.82]Whether you can access to the purchase of mortgage loans, depend on various factors.	能否取得购房按揭贷款，取决于多种 因素。
[05:19.54]Therefore, many developers want to use this alternative to closing false mortgage loans.	因此，不少开发商都希望用尾盘假按揭这种变通办法取得贷款。
[05:32.70]5. Mortgage-backed securities seemed like the perfect solution to the great demand of capital.	按揭证券看起来似乎是对资本投资巨大需求的完美解决方案。
[05:38.82]The mortgage-backed security seemed to be a perfect solution for the huge demand of capital investment. 	按揭证券看起来似乎是对资本投资巨大需求的完美解决方案。
[05:45.24]The mortgage-backed security looked as if it was the perfect solution for the huge demand of capital investment.	按揭证券看起来似乎是对资本投资巨大需求的完美解决方案。
[05:54.70]This is because the two may seem contradictory.	因为这二者看起来似乎是相互矛 盾的。
[05:59.96]It seems to be a little reasonable. .	看起来似乎是有点道理的。
[06:02.72]Capital investment has also played an enormous role in Asia's development.	资本投资亦对亚洲的发展起了重大作用。
[06:09.63]Social capital influences human capital investment in three levels.	社会资本在三个层面上影响了人力资本投资。
[06:18.59]The demand for mortgage-backed securities must be very high.	当时对按揭证券的需求肯定很大。
[06:23.40]Mortgage-backed securities surely have a good demand at that time. .	当时对按揭证券的需求肯定很大。
[06:30.28]There is a great demand for mort-gage-backed securities right away. .	当时对按揭证券的需求肯定很大。
[06:35.49]Then the demands for mortgage - backed securities are really large. .	当时对按揭证券的需求肯定很大。
[06:41.01]Mortgage-backed securities are re-ally in great demand.	当时对按揭证券的需求肯定很大。
[06:53.07]You have to know more about the potential demand of the market.你	得对市场上可能达到的需求量有更多的了解。
[06:58.50]Demand is strong in Europe and Asia.	欧洲和亚洲的需求量是很大的。
[07:02.64]With the support of the mortgage, consumers will have a greater demand.	有了按揭的支持，消费者就有了更大的需求。
[07:09.21]Demand for mortgage refinancing has blossomed as mortgage rates have fallen.	随着按揭利率的下降，对抵押贷款转按揭的需求也大幅增长。
[07:16.22]Moreover on the one hand, individual housing mortgage loan is also quite loose, has stimulated the market demand.	另外一方面，个人住房按揭贷款也相当宽松,刺激了市场需求。

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美国人这样说银行英语Chapter 2-5-1 金融危机 实用对话及情景句（一）

美国人这样说银行英语Chapter 2-5-1 金融危机实用对话及情景句（一）