BEC中級閱讀: 美國人五年來首次變窮

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來自美聯(lián)儲(Fed)的數(shù)據(jù)顯示,逾5年以來,美國家庭第一次變得更為貧窮。
    US households are getting poorer for the first time in more than five years, according to figures from the Federal Reserve.
    美聯(lián)儲昨日發(fā)布的數(shù)據(jù)顯示,美國家庭財富總額下降5330億美元,至57.718萬億美元,除房價不斷下降造成的損失外,股票及其它證券價格不斷下跌也起到了作用。
    The Fed data yesterday showed total household wealth fell by $533bn to $57,718bn, as falling prices of shares and other securities added to the damage from falling house prices.
    家庭財富的下降將加劇人們的擔心:即由于家庭變窮,他們可能緊縮開支,而且可能發(fā)現(xiàn)從銀行或其他貸方獲得信貸的難度越來越大。
    The decline will heighten fears that households could pull back from spending as they become poorer, and may find it increasingly difficult to obtain credit from banks and other lenders.
    投資者可能對這些數(shù)據(jù)加以密切審視,因為目前有越來越多的跡象表明,股市和信貸市場對于美國經(jīng)濟前景再度感到擔憂。
    The numbers are likely to be closely scrutinised by investors since they come amid growing signs of renewed nervousness in the equity and credit markets about the outlook for the US economy.
    由于市場中持續(xù)存在的信貸憂慮,美歐股市下跌,而美元不斷走低推動大宗商品價格連創(chuàng)新高。與此同時,美國和歐洲投資級信貸指數(shù)達到了遠高于目標的創(chuàng)紀錄水平。
    US and European stock markets tumbled amid persistent credit concerns and the dollar’s unrelenting slide helped push commodity prices to new peaks. Meanwhile, investment-grade credit indices in the US and Europe hit record wide levels.
    有關凱雷資本公司(Carlyle Capital)和Thornburg Mortgage追繳保證金問題的消息,以及顯示去年第四季度美國抵押貸款違約和喪失抵押品贖回權達創(chuàng)紀錄水平的數(shù)據(jù),繼續(xù)推助了市場中的避險意愿。
    News of margin call problems at Carlyle Capital and Thornburg Mortgage and data showing that US mortgage delinquencies and foreclosures had reached record levels in the fourth quarter of last year, continued to fuel risk aversion.
    在本周末全球主要央行官員在巴塞爾的會議上,將仔細研究這些數(shù)據(jù)。
    The figures will also be carefully studied when leading central bankers meet in Basel this weekend.
    3個月前的一次類似會議,為美聯(lián)儲、歐洲央行(ECB)及其它貨幣*宣布貨幣市場前所未有的協(xié)同干預行動鋪平了道路,一些投資者希望央行官員將再次采取類似的行動。不過,鑒于美國的經(jīng)濟問題目前看起來比其它地區(qū)更為嚴重,尚不清楚各國是否就新的干預行動存在共識。
    A similar meeting three months ago paved the way for the US Federal Reserve, European Central Bank and other monetary authorities to announce unprecedented co-ordinated money market intervention, and some investors hope that the central bankers will produce similar action again. However, it remains whether there is any concensus for new action given that the economic problem in the US now appear more severe than elsewhere.
    美聯(lián)儲的數(shù)據(jù)顯示,去年第四季度美國房主擁有的房屋凈值比例整體大幅降至47.9%,原因是房價下跌,而其抵押貸款沒有下降。
    The Fed figures show that the percentage of equity US homeowners own in their homes in aggregate fell sharply during the quarter to 47.9 per cent, as home prices declined but their mortgages did not.
    考慮到這是一個平均數(shù)字,而一些家庭的抵押貸款債務很少或沒有,這意味著(房屋)資產(chǎn)凈值為負的比例可能也出現(xiàn)了大幅上升。
    Since this is an average number, and some households have little or no mortgage debt, this suggests that the proportion with negative equity likely increased significantly as well.