许多银行正准备设立网上分行或互联网办事处，这意味着人们将能够通过家庭电脑处理大部分银行业务。
Many banks are preparing online branches or Internet offices, which means that people will be able to take care of much of their banking business through their home computers.
如今，许多企业、组织和家庭都试图通过向食品银行捐款、向穷人捐赠礼物或帮助有需要的家庭来保持节礼日的传统精神。
Today, many businesses, organizations and families try to keep the traditional spirit of Boxing Day alive by giving away money to Food Banks, providing gifts for the poor, or helping families in need.
发行者可能会发现其它来源的债券，比如说美国12家联邦家庭贷款银行的贷款更加便宜。
Issuers might find that other sources of funding, such as advances from America's 12 Federal Home Loan Banks, are cheaper.
为了实现这种整合，一个站点需要访问另一个站点的用户资源，而这些资源经常是受保护的(家庭照片、工作文档、银行记录)。
In order to enable this kind of integration, sites need to access the user resources from other sites, and these are often protected (private family photos, work documents, bank records).
虽然违约对家庭来说很痛苦，对银行和投资者而言则代价高昂，但经济学家称违约也会加速金融行业的康复进程，而这对经济恢复强劲增长是非常必要的。
While the defaults are painful for families and costly to Banks and investors, economists say they are also speeding the financial rehabilitation necessary for a return to robust growth.
它可以为医院、银行、机场、军事基地、学校及家庭提供清洁、可靠的现场发电。
They are designed to provide a clean, reliable source of on-site power to hospitals, Banks, airports, military bases, schools, and homes.
银行给家庭的贷款与一年前相比增长更为缓慢。
Bank loans to households are growing more slowly than a year ago.
由于银行、债务累累的家庭和企业被迫削减开支，平均衰退在近期发生银行危机的富国已持续了四年。
The average downturn after recent banking crises in rich countries lasted four years as Banks retrenched and debt-laden households and firms were forced to save more.
银行和家庭都开始减少他们在房地产繁荣时创纪录的借款，但是他们还有很长的路要走。
Banks and households have started to cut their borrowing, which reached epic proportions in the housing boom, but they still have a long way to go.
但是上升的失业率和西方国家银行、企业和家庭未来的数年之痛会继续竭力偿还他们的负债。
But rising joblessness and years of pain may lie ahead as Banks, businesses and households in the West continue to struggle to pay down their debts.
当然，对于银行以及家庭来说，后危机时代最重要的事即减少债务，这意味着经济V型的回升几乎不可能。
To be sure, the post-crisis imperative for Banks and households to reduce their debt meant a V-shaped rebound was never on the CARDS.
截至今年9月份，英国银行对家庭的贷款仅增加0.9%，按揭贷款不断下降。
In the year to September bank lending to British households rose by only 0.9%. Mortgage lending fell.
12家向按揭银行贷款的行业性联合经营的联邦家庭贷款银行也在向这些大型证券承销商索赔。
Five of the 12 Federal Home Loan Banks, industry-owned co-operatives that lend to mortgage banks, are also pressing claims against the big securitisers.
目前尚无迹象表明，家庭存款会大量撤离银行体系，涌入其它市场。
There are no signs yet of a flood of household deposits out of the banking sector into other markets.
截至今年九月，银行对英国家庭放贷仅仅增长0.9%。
In the year to September bank lending to British households rose by only 0.9%.
大规模的财政和货币刺激方案缓冲了危机对家庭和银行资产负债的危害，但根本问题仍未解决。
Massive fiscal and monetary stimulus is cushioning the damage to households' and Banks' balance-sheets, but the underlying problems remain.
银行和家庭的债务要花几年的时间才能偿完，资产负债表的大坑也要先填平了，经济才能重归反弹点。
The stock of debt that banks and households still carry will take years to pay off. The hole in the balance-sheet must be sealed before the economy can regain its bounce.
可以肯定的是，后经济危机迫使银行和家庭降低自身的负债，这意味着v字型的经济反弹是不可能发生的。
To be sure, the post-crisis imperative for Banks and households to reduce their debt meant a V-shaped rebound was never on the CARDS. Even so, this is a terrible performance.
银行通过家庭的短期存款筹集大部分资金，通常只需要付0.7%的年息，但贷款利息是6%或更多。
Banks raise most of their money through short-term household deposits on which they pay an interest rate of just 0.7 percent. They lend at rates of 6 percent or more.
银行存款占家庭存款的比重也是出奇的高。
An unusually high proportion of household assets remains under the mattress or in bank deposits.
是因为过度负债的家庭和公司不愿借款？还是银行不愿意放款？
But is this because over-leveraged households and firms have become less willing to borrow, or because Banks have become less willing to lend?
去年，据世界银行估计民工向他们的家庭汇去了3280亿美元，比2007年增加15%。
The World Bank reckons that migrant workers sent $328 billion home to their families last year, 15% more than in 2007.
这就像是银行的现金储备，每个家庭会增加储蓄来保持自己的财产，所以应该直接把目标放在保持就业，这会是解方的一部份。
Just as Banks are hoarding cash, households will try to preserve wealth by increasing their saving. So incentives targeted directly at preserving employment will have to be part of the solution.
在撒哈拉以南非洲地区的许多国家，这个数字甚至更小，只有不到五分之一的家庭有银行账户。
The number is even lower in many countries in sub-Saharan Africa, with less than one in five households owning an account.
在撒哈拉以南非洲地区的许多国家，这个数字甚至更小，只有不到五分之一的家庭有银行账户。
The number is even lower in many countries in sub-Saharan Africa, with less than one in five households owning an account.
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