On Sunday, European countries promised to make eighty billion euros in loans available over the next three years.

VOA: special.2010.05.07

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

耶鲁公开课 - 金融市场课程节选

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

耶鲁公开课 - 金融市场课程节选

President Obama told some of the nation's top bankers Monday that they need to explore "every responsible way" to make more loans.

VOA: special.2009.12.18

s up to the Fannie Mae or Freddie Mac to collect mortgages over the next thirty years So let me make sure I have the sequence right Housing prices extremely high among other entities congress place pressure on the banking systems they were ordinary banking systems to make loans more and more affordable.

结果是房地美和房利美，And，it’,在过去三十年收集全国贷款,让我整理一下顺序,房价很高,及其他政府机构,给银行压力,即普通银行,放贷给民间,让更多人买得起。

斯坦福公开课 - 经济学课程节选

We made sure their cash flows were sufficient to cover the loan repayments and to make a profit and we issued the first twenty loans."

VOA: special.2010.06.16

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

耶鲁公开课 - 金融市场课程节选

One way to make capital available for new loans is to sell mortgage-backed securities.

VOA: special.2009.09.04

Let's make some risky loans and if it succeeds we make money; if the thing blows up, well then they government will pay.

然后贷款给一些风险大的项目,如果成功了,我们会赚钱,如果事情搞砸了,那时政府自会买单

耶鲁公开课 - 金融市场课程节选

He said the government will make additional loans to support the partnership.

VOA: special.2009.05.01

They should have been watching, under Reagan, because if you let them pay high interest rates you better watch out that they don't make risky loans if you're insuring them.

在里根的执政下,他们本应该进行监管,因为如果你准许机构支付高利率,且对他们进行保险,你最好进行监管,防止他们发放高危贷款

耶鲁公开课 - 金融市场课程节选

And so we want to make more loans. We have to find a way to qualify more people and not put ourselves at risk."

VOA: standard.2009.12.20

So, they had an unfortunate incentive to make bad loans.

因此他们投机取巧不断放出不良贷款

耶鲁公开课 - 金融市场课程节选

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

耶鲁公开课 - 金融市场课程节选

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

耶鲁公开课 - 金融市场课程节选

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

耶鲁公开课 - 金融市场课程节选

You can argue that the government, largely in person of Barney Frank messes things up by encouraging Fannie Mae and Freddie Mac to make a market of loans t really have been made in the first place.

您可以说政府，尤指巴尼，弗兰克本人,让事情变得糟糕,他鼓励房利美和房地美,为贷款创造市场,他们实属不应该，they，shouldn’,设计这样的贷款。

斯坦福公开课 - 经济学课程节选