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But I was not worried because I still have more than half of the cash in my bank account.
但我并不担心,因为公司的银行账户上还有60多万美元。
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I was trying to find it but I did not know where I should look.
我试图自己找到这个银行，但不知从何找起。
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You can't call up the banker and say that, but if you're playing golf it comes out perfectly naturally.
他们不可能打电话给银行家说这些的,但如果你们一起打球,就会顺口扯到了
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So what banks offer is liquidity -the ability to borrow short even though the loans that are made are long-term.
而银行就提供了流动性,即接受短期存款,但可以发放长期贷款的能力
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These are organizations that act like banks but are not called banks because they are not technically banks, so they escape regulation.
这些组织像银行一样运作,但它们不叫银行,因为从技术来讲,它们并不是银行,这使他们得以逃避监管
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They're operating like banks, but they're not regulated as banks, so Basel II doesn't apply to them and they can do what they want.
它们像银行一样运作,但并不纳入银行监管,所以它们不在新巴塞尔协议监管范围之内,它们可以为所欲为
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They thought they had the system solved, but then they had a bank run last year.
他们认为已经系统性解决了挤兑问题,但去年却又出现了银行挤兑
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But the bank would say, hey you're unemployed; we can't give you a mortgage.
但银行会说,你失业了,所以我们不能给你办贷款
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At least we want to protect the small investors' savings in banks.
但至少,我们希望能保护,小额投资者们的银行存款
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What we've seen is a testing of the system -that we have regulatory requirements, that banks have enough capital -but this regulation is challenging because it's being stressed right now.
我们列举的这些案例都是对银行体系的考验,我们需要加强监管,以确保银行有充足的资本,但监管确实是一项艰巨的任务,因为现在面对的压力更大了
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You hear about credit unions a lot because they're in your neighborhood and they're advertising for small depositors, so they're in your face, but commercial banks are actually much more important.
你们常会听到信用合作社,因为它们就在你家附近,它们还面向小额储户打广告,所以比较显眼,但商业银行其实要重要得多
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This was a tremendous embarrassment to the Bank of England and Mervyn King, who was a very good governor of the Bank of England; but this apparently took him by surprise.
这使英格兰银行及其行长金默文,陷入窘迫境地,虽然他曾是英格兰银行非常杰出的管理者,但这次挤兑显然出乎他的预料
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The idea was that the --so he set up Moody's Rating Agency and the job of Moody's was to give letter grades to securities; it was a little bit like a bank, but it was different because he didn't actually make the loans.
主旨是... 因此他成立了穆迪评级机构,穆迪的工作就是用字母给证券评级,这有点像银行,但还是有区别,因为他并不发放贷款
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I would be careful and not have all your money invested in stocks. I would look at a lot of these distressed debt--some of the distressed debt that has gone down. I don't know if you understand that but some of the debt that--even bank debt, which is the highest level, I think, has become very cheap.
我会非常的小心，不会把你们的钱全部都,投在股票上，我会寻找一些,不良债务--一些不良债务的价格已经下跌了,我不知道你们是不是理解这些东西,但一些债务--即使是银行债，它们的保险级别较高，我觉得，价格都已经很便宜了。
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The SIV really was a liability but it wasn't visible to investors investing in the bank.
结构投资公司本身就是债务,但银行的投资者们并不了解这点
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There are two things: you can have a cash account with them you put money into the cash account and you haven't bought shares with it yet; it's just sitting--it's like in a bank.
这里有两种情况,一种是你有现金账户,你将钱存进现金账户,但还没有买股票,仅仅是做储蓄,就像存在银行
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So, it really is -it really ought to be on the bank's balance sheet and it ought to be regulated by the bank regulators, but there was a failure to do that and that is the problem that we are in currently.
所以说,它确实该...,它应该反映在银行的资产负债表上,同时接受银行监管体系的管理,但这却没能实现,这就是我们目前面临的问题
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So, the bank has an SIV on its books, but the SIV is not part of the bank, so it's not subject to the bank capital requirements.
所以SIV会在银行账面上反映,但SIV却不是银行,所以它无需满足银行的资本要求
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An SIV is a company of a sort that invests in assets and they issue something like asset-backed commercial paper, but it's not a real company because it only exists as an organization sponsored by some bank.
IV类似从事资产投资的公司,同时也发行类似资产担保商业票据的证券,但它不是一家真正的公司,因为它只是由某家银行建立的一个组织
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