• 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

    耶鲁公开课 - 金融市场课程节选

  • 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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  • 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

    耶鲁公开课 - 金融市场课程节选

  • 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

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  • 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

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  • 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

    耶鲁公开课 - 金融市场课程节选

  • 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

    耶鲁公开课 - 金融市场课程节选

  • 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。

    耶鲁公开课 - 金融市场课程节选

  • 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

    耶鲁公开课 - 金融市场课程节选

  • 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

    耶鲁公开课 - 金融市场课程节选

  • 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

    耶鲁公开课 - 金融市场课程节选

  • 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

    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

  • 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。

    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

  • 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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