年金是由保险公司或其他金融机构发行,由代理商、银行、储蓄贷款机构、股票经纪人、财务顾问代售。
Annuities are sponsored by insurance companies and other financial institutions and sold by agents, Banks, savings and loans, stockbrokers, and financial planners.
与此同时,美国创立了RTC来卖掉数以百计的破产储蓄银行或储蓄机构所遗留下来的借贷款及其抵押品。
Around the same time, America created the Resolution Trust Corporation to sell off the loans and underlying collateral of hundreds of failed savings Banks, or thrifts.
借贷者常常很忙,不能常常去银行分支机构,所以BTPN为其员工配备了可携带的电子设备,这种定制的设备能够像扫描银行卡一样扫描指纹,它也能将资料迅速传回银行总部,如此一来管理人员便可以实时关注贷款及储蓄,而不用花时间等待来自BTPN一千多家分行的表格,而2008年的分支机构是现在的三倍。
Customers are often too busy to drop in to the branch so BTPN equips its staff with portable electronic devices that have been customised to scan fingerprints as well as bank-issued cards.
Another example is the Saving and Loan Association.
还有一种存款机构叫做储蓄贷款协会
But the FSLIC wasn't; it was sleeping at the switch, so it allowed banks in the United States -it was primarily Savings and Loans who did this -to make bad loans and they were playing this moral hazard game.
但是FSLIC没有如此,制度变换初期他们对一切放任不管,于是这让美国的银行...,主要指的是那些储蓄贷款机构...,发放不良贷款,他们开始参与这项充满道德风险的游戏
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