金融英语:“世界最好”银行评选尘埃落定

  • 时间:2012-02-06 来源:http://edu.chinawuliu.com.cn 责任编辑:外语考试论坛

  As the dust starts to settle, which banks deserve the most plaudits?
  挡季埃起头落定,哪个银行将博得最多喝彩?
  Trying to work out which banks are the world’s best is a bit like awarding the prize for prettiest war-torn village. It is a title that carries little kudos. It is also likely to prompt further shelling. Winners of industry awards in the past three years include Ken Lewis, the chief executive of Bank of America, for banker of the year (2008); Société Générale for its risk management; and Angelo Mozilo of Countrywide, a failed mortgage lender, for a “lifetime of achievement”.
  想要评出哪家银行是世界上最好的,有点像从饱受战争辚轹的村庄中评选出最美的村庄,这是一个并不光华的头衔,也可能激发对企业的刨根问底。在曩昔三年间,金融行业的优胜者搜罗美国银行的首席执行官肯·刘易斯,获评为“2008年银熟行”, Société Générale因其风险打点获奖,以及失踪败了的破产典质人,美国国家金融处事公司的安吉罗•莫奇罗,因“终身成就”而获奖。
  Still, the question is becoming more pertinent. After months of indiscriminate fear, widespread losses and government hand-holding, the banking industry is gradually stabilising. Money markets are steadily calming. American banks that got a clean bill of health in this month’s stress tests are queuing up to repay government money. A first wave of escapees is likely to include Goldman Sachs, Morgan Stanley and JPMorgan Chase. Those banks that emerge from this crisis with reputations and franchises strengthened will find it increasingly easy to raise funds, win clients, attract employees and buy assets.
  然而,问题变得越来越集中。经由几个月的无所不在的惊骇,普遍的损失踪以及政府调控后,银行颐魅正在侄揪企稳。金融市场正逐渐恢复舒适。美国的一些银行经由了这个月的压力测试,剖明其财政状况精采,正在排队期待了偿政府的贷款。第一波的幸存者可能搜罗搜罗高盛,摩根斯坦利和摩根大通公司。在危机中脱颖而出的这些公司,声望和政府的非凡赐顾帮衬都有所增强,这些公司筹集资金,博得客户,吸纳人才以及采办资产会比以前轻易。
  However the pack is shuffled, a few names keep resurfacing—in America, Goldman Sachs and JPMorgan Chase; and in Europe, Credit Suisse, Deutsche, BNP, Barclays and Santander. They can be whittled down further. In Europe, concerns over what lies on the balance-sheets of Deutsche and Barclays are ebbing but are not gone. The British bank’s willingness to consider a sale of BGI, its asset-management arm, suggests worries over capital. Both banks still have lots of legacy assets, many of them tucked in the banking book.
  银行颐魅正在洗牌,,一些公司将继续其荣耀----美国的高盛和摩根大通公司,欧洲的瑞士信贷集团, 德国德意志银行, 法国巴黎银行, 英国巴克莱银行以及西班牙桑坦德银行。这些名字未来可能会削减。在欧洲,人们对德国德意志银行和英国巴克莱银行资产欠债表的担忧正在削减,但却没有消逝踪。英国银行正考虑卖失踪BGI,其资产打点的左膀右臂,也剖明对资产情形很是焦炙。这两个银行都有良多遗产资产,这些资产来自开户人的存折。
  In America, Goldman still has legions of admirers. It has posted losses of less than $8 billion to date, a performance not nearly as bad as those of its direct peers. Its focus on risk management is a template for others to follow. But its renewed swagger should not conceal the fact that it needed to convert into a bank-holding company in order to survive the market storm—nor the questions that hang over its future earnings in a re-regulated industry.
  在美国,高盛公司仍然备受倾心。到今朝为止,高盛公司发布了只有不到80亿美元的损失踪,默示比其它同业要好些。高盛专注与风险打点的理念是其他银行进修的样板。然而这些成就不能袒护这样的事实:它需要成为银行持股公司,以便躲过市场风暴—银行业的再规范也为其未来盈利带来了重重疑问。
  That leaves Credit Suisse and JPMorgan Chase to take the grand prizes. Credit Suisse has had its share of mishaps during the crisis but it was quick to scale down its balance-sheet, has plotted a credible strategy for its investment bank and pulled well ahead of UBS, its main rival in wealth management. As for JPMorgan Chase, it has kept a tight rein on risk, managed capital well and acquired sensibly. None of this is much comfort for weary Swiss and American taxpayers, of course. Well-run or not, both banks present the problem of being far too important to fail.
  瑞士信贷银行和摩根大通拔颔首筹。瑞士信贷银行在这场危机中虽然有些损失踪,但它迅速对资产进行减值筹备,为投资银行标明信用对策,并遥遥领先于其资产打点方面的首要对手瑞士连系银行。至于摩根大通公司,它严酷节制风险,对成本打点适当,且投资理性。这两家银行对萎靡的美国和瑞士纳税人心存警语。非论经营情形若何,两家银行的问题是都太主要而不能倒闭。

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