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Now incidentally, often bank loans to corporations are short-term, technically, so the bank is both lending short and borrowing short.
顺便说一下,技术上讲,银行借给公司的都是短期贷款,银行同时进行短期借贷业务
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It was granted a monopoly on joint stock banking by Parliament in return for giving war loans to the government.
作为向政府给予战争贷款的交换,英格兰银行被英国国会授予,成为股份制银行的垄断者。
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Prior to the bailout money for the banks, the banks were lending a certain amount, after the bailout money, the banks were lending less.
在拯救银行的措施实施之前，银行在贷款，而救市之后，银行价款量反而少了。
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It did it through banks; they gave the money to banks to make loans to people who were in trouble.
贷款还是通过银行发放,他们把钱给银行,然后由银行向有困难的人放贷
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Once they freed up interest rates, interest rates on deposits started soaring and banks started taking greater risks, particularly Savings and Loans.
一旦他们被放任去抬高利率,储蓄利率将会飞速攀升,而银行就会承载着更大风险,尤其对于储蓄贷款协会
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People can't pay --they can't pay a high interest if they don't have it as a long-term loan.
如果银行不发放长期贷款,他们就不能够支付高额利息
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It pays interest on the deposit and it collects interest on the loans and it charges a higher interest on the loan than they pay on the deposit.
银行付给存款人利息,同时收取贷款利息,贷款的利息较高,支付给存款人的利息较低
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In fact, they are in practice long-term because you have a relationship with your banker and you play golf with your banker and your banker understands that you have a business -he's your friend, let's hope.
实质上这些借贷款就是长期的,因为你与银行从业者有着千丝万缕的联系,你和他一起打高尔夫,而且他知道你在做生意...,他是你的朋友,希望如此
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As these more risky mortgages come along t hold on to these mortgages.
随着贷款风险的加大,银行无力贷款，banks，don’
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The banks weren't willing to lend more than five years because they didn't trust you; they thought things would change and whatever.
银行不愿批准期限超过五年的贷款,因为他们不相信你,他们认为世事难料
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The government can't kick the central head- head of the central bank out for failing to offer them loans when they want it.
政府不能因为当它需要资金时-,中央银行的首领没有给予它贷款,而解雇他。
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So, the banks said, of course we'll do that; that created a major change in mortgage lending.
所以银行说,我们当然愿意这样,这是抵押贷款的一个巨大的变革
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They were lending to banks that were in trouble and the--so we'll give them a good rate; that's what they used to do.
他们向处于困境的银行贷款,并且-所以，我们要给他们一个好的比率；,这就是他们过去经常做的。
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The discount rate is the rate that the Fed charges for loans to member banks.
贴现率是,美联储对会员银行贷款的所求比率。
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Investment banks are very different in that a pure investment bank does not accept deposits and it doesn't make loans; it's an underwriter for securities.
投资银行是完全不同的,单纯的投资银行既不吸收存款,也不发放贷款,投行是证券承销商
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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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Now, if that happens these homes are the collateral to the banks for all these mortgages and we're going to have -and probably do have already--a recession.
如果那种情况发生了的话,这些房子是银行对房屋抵押贷款的唯一担保品,那我们将会面临,-很可能现在正在面临着--经济衰退。
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Most of the people who want to borrow money from the banks -let's talk about businesses -we're accepting business loans -they don't want to have to pay the money tomorrow.
大多数想从银行贷款的人...,我指的是企业,我们向企业发放贷款,大多数贷款企业都不希望今天借明天还
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This puts the British Government in an embarrassing situation of owning a failing mortgage lender, so they've got to now be the government collecting on all these mortgages; it's a mess.
承认其银行抵押贷款出现严重问题,着实令英国政府颜面扫地,所以现在不得不由政府出面,收购所有这些抵押贷款,真是一团乱
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so ta retail bank sells the mortgage and then the retail banks flips it to Fannie Mae and Freddie Mac which essentially package huge numbers of the mortgages across the countries.
所以商业零售银行发行贷款，they…,然后商业零售银行将贷款转手,卖给房地美和房利美,事实上是收集了,大量的,全国的房贷。
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In other words, banks may lend to you or to me re risky borrowers but they sell the mortgages to Fannie Mae or Freddie Mac they get their money right then and there.
换句话说，银行可能借钱给我们,知道我们的信用度不高，knowing，that，we’,但是银行把贷款卖给,房地美和房利美,转手就拿到现钱。
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People knew that a lot of bad loans were being made or loans were being made to people who shouldn't be getting them.
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。
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The traditional commercial bank would accept deposits from businesses and make loans to businesses.
早期的商业银行吸收商业存款,并发放商业贷款
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The Fed has never given loans to anyone other than a depository institution that is a bank until last month, except they did so in the Depression.
上个月，联邦政府已经开始限制贷款业务,除了银行以外的其他金融机构,休想再放出一分钱的贷款，也就是在萧条时政府才会这么做。
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What the Fed said it would do is announce an auction of so many billion dollars of loans to member banks and the banks have to supply collateral to the Federal Reserve.
美联储声明的它会做的事是,举行一场对,会员银行发放几十亿美元贷款的拍卖会,条件是这些银行必须,给联邦储备银行提供抵押品。
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If you go to a savings bank, or a savings and loan, or a commercial bank and you say, I want to open up a checking account--that's a deposit; or, I want to open up a saving account--that's a deposit.
如果你去一个储蓄银行或者商业银行，去储蓄或者贷款，你说，我想开个支票账户，这就是储蓄;,或者说我先开个存款账户，这就是储蓄。
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I read The Wall Street Journal every morning and I worry about the credit crisis, and I worry about credit cards, and I worry about auto loans, and I worry about corporate loans, and I worry about the solvency of the banking system, and then I go to work and I try and find the best opportunities that I possibly can.
每天早晨读华尔街日报的时候,我会担心有没有信贷危机,担心我的信用卡,担心汽车贷款,担心公司贷款,担心银行系统的偿付能力,然后我去上班,努力抓住所能遇到的最好机遇
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It used to be that the government didn't let banks pay more than a certain amount on their deposits and that helped protect banks because then they didn't have to compete to pay high interest rates -then be incentivized to make risky loans to try to make money with those high interest rates.
在这之前,政府不允许银行对存款,支付超过一定数量的利息,那样做是为了保护银行,因此他们不必争相,去支付高额利率...,因为在高利率支付下银行会倾向于,发放高危贷款以获取利润
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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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