经济增长比增加税收和削减开支都要好——但是经验也告诉我们，信用破产后的增长极为有限。
Growth is better than either tax rises or spending cuts-but, experience also suggests, growth after credit busts is scanty.
从1970年代末到廿一世纪初，拉美国家承受总体经济的不景气，伴随着高通膨和信用破产。
From the late-1970s to the early 2000s Latin America suffered a macroeconomic slump, accompanied by high inflation and the destruction of credit.
令人不安的是，在很大程度上，年轻人和破产者在下一个发薪日之前都在依赖信用卡度日。
To a disturbingly large extent, the young and the broke are relying on credit cards to make it until their next payday.
在信用危机第一个破产的国家冰岛最近提出了申请。
Iceland, the first nation to go bankrupt in the credit crunch, recently applied.
只要那些危险的借款人能够轻易地获得信用，他们就没有破产之虞，从而看起来不那么危险。
When risky borrowers find it easy to get credit, they are less likely to go bust, which makes them appear less risky.
对于美国的决策者来说，当他们面临由不动产破产引发的信用危机时，日本是一个教训，让我们学习那些事情是不能做的。
For US policymakers, Japan is the case study in what not to do when a credit bubble is followed by a real estate bust.
为了确保全球仓库维护一份有不良信用或破产记录的客户名单，仓库信用调查分析人员创建一个名为BAD_CUSTOMERS的本地表。
In order to ensure that the global warehouse maintains a backup list of the customers with bad credit or bankruptcy records, the warehouse credit officer creates a local table named BAD_CUSTOMERS.
最终，在遭到各评级机构开始对其信用评级做降级处理后，安然轰然倒塌，被迫宣布破产。
Enron was eventually forced to declare bankruptcy and it wasn't until right before the company's demise that the agencies began to downgrade its credit ratings.
发达国家的违约事件极其罕见，而新兴市场则相反。这就让投资者难以估计信用违约掉期定价中的一项关键因素，即他们能从（发达国家中的）破产事件中回收多少钱。
Rich-country defaults are extremely rare (emerging markets, less so) which makes it difficult for investors to estimate how much they would recover in bankruptcy, a key determinant in CDS pricing.
提供信用保护[注2]的公司面临破产。
Firms offering credit protection are exposed to bankruptcies.
他们被暴露在保险公司的信用危机之下，比方说2008年美国国际集团（AIG）的破产就显示的巨大风险；
they will be exposed to the credit risk of the insurer, which the collapse of AIG in 2008 showed to be a real danger;
止赎权与个人破产的信用记录保留期限最为接近，要保留7年(破产为10年)。
Foreclosures are the closest thing to personal bankruptcy, and stay on a person's credit record for seven years. (bankruptcy stays for ten.)
然而，他创立的总部位于德州的富兰克林银行集团因为信用危机于11月破产。
Nevertheless, his Texas-based Franklin Bank Corp went bust in November due to the credit crunch.
导致投资者亏损16亿美金的基金破产是华尔街迫在眉睫的信用危机的社会表现之一。
The funds' collapse, which cost investors $1.6 billion, was the one of the first public signs on Wall Street of the looming credit crunch.
因为所有的信用卡均要收取费用和利息，一些持卡人因此变得负债累累而被迫执行破产。
As all credit CARDS charge fees and interest, some customers become so indebted to their credit card provider that they are driven to bankruptcy.
新破产法扩大了金融交易的范围和定义，添加了破产法以前没有涵盖的信用违约互换和抵押贷款回购协议。
The new code expanded the scope and definition of financial transactions not covered by bankruptcy rules to include credit default swaps and mortgage repurchase agreements.
金融冲击仍有可能继续浮现：例如，这场金融泡沫和破产的规模，有可能会颠覆历史经验中的失业率和信用卡亏损的关系。
Shocks are still likely: for instance, the size of the bubble and scale of the bust may overturn historic relationships such as that between unemployment rates and credit-card losses.
出口商日益要求海外的买家向银行申请信用证，以确保买家在付款之前破产还有银行帮忙支付。
Exporters are increasingly demanding that overseas buyers obtain letters of credit from Banks, ensuring that the bank will pay for the goods if they buyer goes bankrupt before making payment.
在随后的一年中，次级信用借款人不断倒闭，对冲基金的破产浪潮也已开始，股市下跌势头迅猛。
In the year that followed, subprime lenders began entering bankruptcy, hedge funds began going under and the stock market plunged.
罗迪·伯伊德的这本研究美国国际集团破产的著作写的极好。的确，正如他在书中论证的那样，正是美国国集团极其可靠的信用等级使其步入歧途。
Indeed, as Roddy Boyd demonstrates in his well-written study of AIG's fall, it was the very solidity of the company's credit rating that led it astray.
不过，或许该研究是对的，我们全都需要一位伴侣（具有良好的信用等级，败家子、破产人自然免谈），才能使我们的生命完全。
Still, perhaps the study is right, and what we all need to make our lives complete is a partner (with a good credit rating, naturally – spendthrifts and bankrupts need not apply).
这次破产在商业票据市场，信用衍生品市场以及银行基金市场引起一片恐慌，使银行资产流动发生恶化。
It spawned a panic in the commercial-paper, credit-derivatives and bank-funding markets that dramatically worsened Banks' liquidity.
自从2008年8月、9月美国主要的投资银行破产以来，银行间和信贷机构间信用已经崩溃。
Since the collapse of the leading US investment banks in August-September 2008, there has been a breakdown of trust in inter-bank and inter-institutional lending.
最近几周，LIBOR指数(银行借入成本的指标)银行债权的CDS(信用违约互换)利差(为抵御破产风险所支付的成本)都有所上涨。
In recent weeks there has been a rise in both LIBOR (a gauge of Banks' borrowing costs) and the credit-default-swap spreads on bank bonds (the cost of insuring against default risk).
信用卡付款，基本上是被法律强制的，所以绝不会被勾销，除非你破产到名誉扫地。
Charge card payments are, in the main, enforced under the law so are not able to be shed except by bankruptcy.
神经网络还被信用卡机构用于破产预测。
Neural networks have also been used for bankruptcy prediction for credit card institutions.
破产会降低你的信用评分，由200点或以上，是很难回来。
Bankruptcy will lower your credit score by 200 points or more and is very difficult to come back from.
上述比率上升，主要因为个人破产个案急升，令信用卡组合的质素恶化。
The worsening of these figures reflects a deterioration in the quality of credit card portfolios, relating in particular to the sharp rise in personal bankruptcies.
上述比率上升，主要因为个人破产个案急升，令信用卡组合的质素恶化。
The worsening of these figures reflects a deterioration in the quality of credit card portfolios, relating in particular to the sharp rise in personal bankruptcies.
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