A lot of these savings banks tend to be very old institutions that go back to the nineteenth century.
这些储蓄银行往往历史悠久,很多可以追溯到19世纪
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
In other words, wealthy people, in an effort to alleviate penury, would create a savings bank.
换句话说,富人们要扶危济困,便建立了储蓄银行
So, there was a savings bank movement, which spread from the U.K. To the U.S. in the nineteenth century and it was a philanthropic movement.
于是便有了一场储蓄银行的运动,这股风在19世纪从英国刮到了美国,这也是一场博爱运动
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
Of the savings institutions, there were only 1,500; that's probably going down further because a lot of these old savings banks are being converted into commercial banks.
至于储蓄机构,只有1500个,现在可能就更少了,因为很多这类古老的储蓄银行,都逐渐被改造成了商业银行
For example, here in New Haven, we had one created called The New Haven Savings Bank, which lasted for over a hundred years and was taken over.
譬如在纽黑文这里,过去有家纽黑文储蓄银行,历经了一百多年,后来被收购了
You could not be both a depository institution and an investment bank.
银行不能既是一个储蓄机构又是,一个投行。
It's now called NewAlliance Bank; it's no longer a saving bank.
现在叫新联盟银行,它不再是一家储蓄银行了
The first wave was in the 1960s and, at that time, Congress had limits-- state governments had limits on the interest that savings banks could pay people on their accounts.
在20世纪60年代,那时候国会限制了...,各州政府给储蓄银行,设定了账户利率的支付上限
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
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。
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
What they want to do is expand the actions of the Fed, so that they're not--you can describe the Federal Reserve or any central bank, traditionally, as a banker's bank the Bank of England was the first central bank and it made banks keep deposits at the Bank of England.
他们想做的是扩大政府对经济的调控范围,这样政府就能将联邦储蓄,或者其他中央银行变成银行的银行,英国银行是第一个中央银行,他使其他银行将钱存放在它这里。
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。
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
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