贷

小额直贷是小额信贷的一种形式.

Small - amount direct loan is one form of small - amount loan.

那家银行不肯贷那么多款给他。

The bank was unwilling to loan him that quantity of money.

银行匆忙地把所有的钱都杂乱地集中在一起，然后贷给成千上万的借款者。

The bank scrambles all that money together, jumbles it all up and lends it out to hundreds and thousands of borrowers.

要照顾一个十几岁的孩子，有一份工作，还要付房租，还车贷，还债务，这才是最难的事情。

It's the hardest thing to take care of a teenager, have a job, pay the rent, pay the car payment, and pay the debt.

木板封着的房屋提示次贷危机并没有放过这里。

Boarded-up houses are a reminder of the subprime crisis.

建屋互助协会收回未偿清房贷的住房，这吓退了很多买家。

Building society repossessions have frightened buyers off.

用可贷资金来表示，情况会是怎样呢？

What does this situation look like in terms of loanable funds?

本国居民将持有较大量的贷币.

Domestic residents will hold a larger stock of cash.

借记总额必须与贷记总额相平衡。

The total of debits must balance the total of credits.

次贷危机后,情况最好的一个公司?

AFTER the subprime crisis, a superprime one?

到2007年夏季，次贷危机的首批迹象开始显现。

By the summer of 2007, the first signs of the subprime crisis started to appear.

总借记和总贷记的结算即账户余额。

The sta-tement of total debits and credits is known as a balance.

另外，相称的借款者被拒贷。

In addition, worthy borrowers are denied loans.

贷币机构开始周转不灵和不准确了.

The money mechanism began to work stiffly and inaccurately.

银行贷给这家公司大量款项.

The bank granted a large loan to the company.

这就是刚被揭露的次贷丑闻。

So, this is the subprime scandal showing up.

陈花光了所有积蓄并贷了一大笔款。

Chen spent all her savings and took out a large loan.

他们手头资金短缺,正需告贷.

They need a loan because they are shy of funds now.

最后的手段就是非法的高利贷。

The last resort is illegal loan sharks.

陈贷了一大笔款来治愈她的女儿。

Chen took out a large loan to cure her daughter.

人们大多背负着车贷，或许还有房贷，但对许多人来说信用卡往往才是导致债务困难的原因。

Often there'll be a car loan and perhaps a mortgage, but credit cards often seem to be the gateway to debt-related financial difficulties for many.

米兰银行决定改变付款贷记的方式。

Midland decided to change the way it credited payments to accounts.

他们需要到那里购买，需要能贷到款。

They need to get out there buying. They need to be able to get the loans.

此外，其他消费者债务产品比次贷更为简单。

Moreover, other consumer-debt products are less complex than subprime.

给你的付款将直接贷记你方银行账户。

You'll be paid by direct credit into your bank account.

复式记账表示需要同时录入,借和贷两项。

Double-entry means you have done both the debits and the credits.

业主如果未能按时交房贷，就会面临丧失抵押品赎回权的危险。

If homeowners can't keep up the payments, they face foreclosure.

他们在放高利贷。

They are offering loans at extortionate rates of interest.

高利贷者压榨穷人。

The usurer squeezed the poor people.

全球次贷危机伤痛是有目共睹的。

THE global credit crunch was universally painful.

“获得贷记授权”活动应该执行吗？

Should "Get Credit Authorization" activity execute?

农民贷借信托公司

Farmers' loan and trust company

银行贷给那家工厂一万英镑.

The bank made a loan of ten thousand pounds to the factory.

哪怕稍有波动也会殃及其银行，各银行有大约1,200亿美元未偿房贷。

Even a small wobble will hurt its banks, which have roughly $120 billion in outstanding property loans.

如果他们不改过自新的话，他已保证会严惩不贷。

He has promised drastic disciplinary action if they do not mend their ways.

小额直贷是小额信贷的一种形式。

Small-amount direct loan is one form of small-amount loan.

我认为它将比美国的次贷危机更为严重。

I think it is more serious than your subprime mortgage crisis.

最后银行家还是决定贷给老人500美元。

Finally the banker decided to make the $500 loan.

违者严惩不贷。

Those who disobey will be severely punished.

有些人既不借也不贷.

Some people neither borrow nor lend.

我希望你能贷给我一笔预付款。

I hope that you can make me an advance on loan.

非法侵入严究不贷。

Trespassers will be prosecuted.

我其实不想做个平庸之辈，结个婚，背上房贷。

I actually don't want to be a middle-of-the-road person, married with a mortgage.

别想着作弊—对作弊者会严惩不贷。

Don't be tempted to cheat—you'll never get away with it.

他说，这项法案没有解决高利贷问题。

He said the bill fails to address usury issues.

毕竟，我们如何从次贷崩溃赚钱就是坐着等待。

After all, sitting and waiting is how we made money from the subprime debacle.

那么你有一金一贷放款。

Then you have one loan payment to one lender.

银行借短贷长，机构本就脆弱。

Banks are inherently fragile institutions, borrowing short and lending long.

那家银行贷了五万元给我们.

The bank credited 50,000 dollars to us.

银行为什么不在贷出更多钱之前先审计自己的账目呢？

Why did the bank not conduct its own audit before lending still more?

次贷是什么意思？

What does subprime mean?

但是他们没有预料到美国次贷级市场的崩溃。

But they did not predict the collapse of the US mortgage market.

这笔款你需要贷若干年,可是投资者不希望他们的钱被占用好几年

You need the loan for years, but investors don't want to tie up their money for years.

从某种程度上讲,次贷危机就是新巴塞尔协议的一次失败,该协议甚至还没有正式生效

To some extent, the subprime crisis is a failure of Basel II, which is not even fully born yet.

流动性是指银行贷长借短,短是指短期

Liquidity is that banks lend long and borrow short -short-term, I mean.

我推测,由于次贷危机,美联储会又一次大幅下调实际利率,我们可能会再次进入,负实际利率的时代

I suspect that with the subprime crisis the Fed will be pushing real interest rates down dramatically again and we may be in a period of negative real interest rates again.

次贷抵押信贷市场,把十多年前那些,不能获得抵押贷款的人,带进了抵押信贷市场

The subprime mortgage market was bringing people into the mortgage market who in prior decades would not have been involved-- would not have had any mortgage.

在次贷危机下，情况更是如此。

It's especially true right now with the subprime crisis.

我要讲一下目前的情形,也就是次贷危机

Now finally, I want to talk about the current situation in what's called the subprime crisis.

顺便提一句，我正在写一本书,名叫《次贷危机解决方案》；,上周五我刚刚将草稿送到文字编辑手中。

Now incidentally I'm writing a book the title of the book is Subprime Solution; I just sent off the draft to the copy editor last Friday.

顺便提一下,《纽约时报》中,另一篇关于雷德利夫的报道,说他是第一位,真正清晰描述了目前的次贷危机

Incidentally, the New York Times had another article about Redleaf, saying that he was really one of the first persons to clearly delineate the subprime crisis that we're now in.

当你买了一座房子,你贷了些款,然后你在一定的时间内偿还一部分,一般来说都是按月来算的,但是假设我们是按年支付的

When you buy a house, you borrow the money and you pay it back in fixed-- it would usually be monthly, but let's say annual payments.

其次，市场上还存在像互联网泡沫，不经常被提及的贷款泡沫,此外还有次贷危机。

Then lastly, there are things like the Internet bubble, they're not usually called this, but--the lending bubble where--or the subprime mess.

救助这两家银行一共花费了260亿欧元,这可是欧洲的一次超级丑闻,至今仍未平息,而且它源自美国次贷危机

Sachsen LB and IKB was a bailout of twenty-six billion Euros and that's a huge scandal in Europe, which is still unfolding, and it derives from the U.S. Subprime crisis.

为什么我不贷一部分出去呢,这样我就可以通过贷款赚利息了

Why don't I lend some of it out and I can earn interest on the loan and make money.

监管机构正是用来约束那些调控者,以防其与金融次贷有染的。

The division is what hampered regulators from dealing with the financial subprime crisis.

有些人想退回到过去,有人认为,次贷危机,让很多人感到愤怒,有些人把怒气指向金融从业人员

Some people want to go back, some people think there's a lot of anger about the subprime crisis and there's some anger expressed against the financial community.

我说要不贷个1万5吧，我差点就要闻到百元大钞的味儿了。

I'd say we ask for $15,000. So close I almost smelled a 100.

再下一节课我们会讲房地产,房地产带来了次贷危机,以及其与利息的联系,我认为这种联系是最核心的

The next lecture will be about real estate and that brings us into the subprime crisis and connects with interests that are central to my own thinking.

次贷危机就是一个例子,在最近这次金融危机中,有人沦为受害者

The subprime crisis is an example: some people were treated badly in this recent financial crisis.

我认为目前的次贷危机,很好的说明了这一点

I think the subprime crisis that is the current financial crisis highlights this very well.

但是已经传播到了全世界,它就是所谓的次贷危机

but has spread over the world and this is called the subprime crisis.

次贷危机之所以会发生,时因为房屋的价格在下降,随着房屋价格的下降更多的次贷借款人,将会无法支付他们的贷款

The subprime crisis is happening today because home prices are falling and with falling home prices more subprime borrowers are failing to pay their mortgage.

我想,总的来说,希勒来讲这个话题,比我有权威的多,次贷泡沫,不是突然的

I think that,generally speaking -and Bob Shiller can speak to this with a lot more authority than I can this bubble was not something that should have surprised people.

我觉得这个挺有趣,因为它呼吁人们留心一些,我们在次贷危机中遇到的问题。

I find this interesting because it calls to mind some of the problems we had with the subprime crisis.

如果你能预言次贷危机,那总有从中获利的方法,而他就是这样做的

If you know the subprime crisis is coming, then there's always a way to profit from that and that's what he did.

次贷"指的是,大约在最近10年中,提供给次级借款人的,住房抵押贷款

Subprime" Refers to the mortgages that were made mostly over the last ten years or so to subprime borrowers.

我认为,在某种程度上,这次次贷危机就是新科技,可能会带来危险的典型例子

I think that, in a sense, the subprime crisis that we have is an example of the dangers of new technology.

次贷指的是次级抵押贷款,这不属于今天的讨论范围之内,次级抵押贷款是发放给特殊借款人的,他们不是优质客户,也就是说风险较大

Subprime refers to mortgages, which is not the subject of today's lecture, but a subprime mortgage is a mortgage issued to a borrower who is not considered prime--not a good risk.

我不知道你们是否读过次贷危机的新闻,但现在,我们正在经历一场,名为次贷危机的金融危机

I don't know if you were reading about the subprime crisis, but we are living in a time, at this moment, of a financial crisis called the subprime crisis.

类似的事情在次贷危机中发生过几起,其实远不只几起

That's what has been happening a little bit -more than a little bit--in the subprime crises.

人们知道现在银行有很多坏账产生,或者有很多多贷款再贷的时候就根本不需要人们来还它。

People knew that a lot of bad loans were being made or loans were being made to people who shouldn't be getting them.

他的房租与汽车租贷费用极其高。再加上他喜欢上馆子吃饭与购物。

Well, his rent and car lease are exceedingly high. You couple that with his penchant for dining out and shopping.

我要讲的另一个问题,在这门课里相对不是那么重要,你们听过这个词吗,"次贷危机"

Another thing that I will be talking about is less important to this course but you have heard of this: the subprime crisis.