This also came from a U.K. movement called the Building Society Movement, which spread to the U.S.

储贷协会也是源自英国的一场运动,叫做建房互助协会运动,同样也传到了美国

耶鲁公开课 - 金融市场课程节选

So Savings and Loans, traditionally, have made most of their loans in the form of home mortgages.

所以传统的储贷协会,所发放的贷款多为购房抵押贷款

耶鲁公开课 - 金融市场课程节选

In 2007, third quarter, they were $1.868 trillion -that's almost 2 trillion dollars, so they're much smaller -savings banks and savings and loans--than the commercial banks.

007年第三季度,它们的总资产合计1.868万亿美元,接近2万亿美元,所以它们要小得多,储蓄银行和储贷协会要比商业银行小得多

耶鲁公开课 - 金融市场课程节选

It's like a Savings and Loan Association except that credit unions are created by some entity, some club or group, and they're not open to the whole public.

这有点像储贷协会,不同点在于,信用合作社是由某个独立群体所创建的,比如社团或集体组织,它不面向整个社会公众

耶鲁公开课 - 金融市场课程节选

Saving and Loan Associations, by the way, no longer exclusively limit themselves to mortgage lending -either they do home improvement lending and auto loans and the like as well.

顺便提一下,储贷协会,现在也不仅限于发放抵押贷款,他们也发放住房装修贷款,及汽车消费贷款之类的

耶鲁公开课 - 金融市场课程节选

We had the Savings and Loan crisis of the 1980s.

我们在二十世纪八十年代经历过储贷危机。

耶鲁公开课 - 金融市场课程节选

Savings and Loans are the same as Building Societies, but the idea--the original idea and also the general idea today -is that these are banks set up for small savers in order that they can buy a house.

储贷协会和建房互助协会是一回事,其初衷以及现在的一般理念是,这些银行的建立是为了,让小额储蓄者买得起房子

耶鲁公开课 - 金融市场课程节选

In the Savings and Loan crisis it was a certain segment of the banking community--the S&L's that seemed to be in trouble but it didn't seem to be then a house of cards that could spread around the country and around the world.

在储贷危机中，只是银行机构中的,一个特定部分-储蓄和存款,陷入了困境,但是这似乎不是一个,能够延伸至整个国家,和整个世界的不切实际的无法实现的计划。

耶鲁公开课 - 金融市场课程节选

The idea was that a lot of people can't afford a house -let's all get together and pool our money -in a Building Society or Saving and Loan Association -and then we'll loan out to some of us to buy the house.

当初的想法是,很多人都买不起房子,那我们就把钱凑在一起,放到一个建房互助协会或储贷协会里,然后向我们中那些要买房的人发放贷款

耶鲁公开课 - 金融市场课程节选