This thing collapsed in the 1980s and it cost the U.S. Government, through the FSLIC, about 150 billion dollars.
0世纪80年代,坏账集中爆发,美国政府经联邦储蓄贷款保险公司之手,花费了约1500亿美元才填补了坏账
A pure investment bank is not a depository institution and it's also--a pure investment bank is not a broker- dealer either.
一个真正的投行不是一个储蓄机构,当然一个真正的投行也不是证券公司-,或者发行公司。
It's a measure of how much Americans are saving compared to the attractiveness America as a place to invest.
它能够衡量美国储蓄率的高低,以及外国在本国的投资情况。
It's a violation of people's liberty for the government to force everyone whether they want to or not to put aside some earnings today for the sake of their retirement.
这侵犯了人们的自由,因为政府强迫所有人,不管愿不愿意,都得储蓄一部分当前收入,留到退休时用。
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
The U.S. Government also issues small denomination debt to individuals to help them called savings bonds, but we aren't talking about those.
美国政府也发行小面值债券,用于面向个人,叫做长期储蓄债券,我们今天不涉及这些
If I consume less than my income today, I'm saving and my consumption would be lower this year.
如果我花的比赚的少,我在储蓄,今年的消费就会较少
The other kinds of depository institutions that have developed are called thrifts and they really started from a movement in the United Kingdom.
后来发展起来的其他存款机构,都统称为"储蓄机构",这些机构的产生源自英国的一场运动
What he invented was an insurance policy that had a cash value and that's another-- it's a cash value on the insurance policy.
他创造了一种保单,这种保单具有现金价值,指带有储蓄性质的保单所具有的价值
But if you look at-- Now, I have these two lumped together; I don't have them separately.
如果你再看看...,我把这两类储蓄机构加在一起,我没有它们分别的数据
An investment bank, if it's doing a pure investment banking business is not a depository institution.
如果投行只做投资业务的话,不能称作为一个储蓄机构。
If you look at what the law says, they tend to use the word depository institution.
如果你看法律类文章的话,他们更倾向于储蓄机构这个词。
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
Treasury bills--maybe you have to realize there's a distinction between savings bonds and Treasury bills.
你们需要注意的是,储蓄债券和国库券是有区别的
Saving and Loan Associations were making bad loans, especially in Texas, but in lots of other states as well -this is when Ronald Reagan was President.
当时储蓄贷款协会出现了不良贷款,尤其在德克萨斯州,不过在其它很多州也同时出现了...,当时的总统是罗纳德·里根
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
No, if I'm saving this year my consumption would be less than my income, so my consumption might be here and I would then have more next year.
错了,如果我今年增加储蓄,我的消费就会少于收入,这里表示消费,明年我就会有更多的收入
It's attractive to invest more than our savings, that's the trade deficit.
结果是外国投资额大于本国储蓄额,这就形成了贸易逆差。
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
I was just yesterday-- I gave a talk in Montreal at the Caisse de Dep?t,et Placement du Quebec, which is the big wealth management fund for the Province of Quebec.
昨天,我刚在蒙特利的魁北克储蓄投资集团,做了一个讲演,这个投资集团是魁北克省的,一所大型财产管理基金机构。
The thing about a deposit is you deposit your money as an individual and there are millions of people that all deposit in a depository institution.
所谓储蓄就是你把你的钱以个人名义存进储蓄机构,有不计其数的人会,把钱存进储蓄机构。
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
You might have some people up here who are saving and other people down here who are dissaving and the production would be operating at the middle.
有人多储蓄,落在这点上,有人不储蓄,落在这点上,社会总生产力则在它们之间
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
The S&L Crisis in the United States, 1980s--what happened there?
0世纪80年代,在美国发生了,储蓄贷款危机...具体发生了什么呢
Another example is the Saving and Loan Association.
还有一种存款机构叫做储蓄贷款协会
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