英語資源頻道為大家整理的china daily 雙語新聞：美銀與房利美達成和解協(xié)議，供大家學習參考:)
Nearly two years ago to the day, Bank of America announced it had resolved “substantial legacy issues” with respect to Countrywide Financial home mortgages it sold on to groups including Fannie Mae.
差不多正好兩年前，美國銀行(Bank of America)宣布，該行已就“一些重大法律糾紛”達成和解，這些法律糾紛與美國國家金融服務(wù)公司（Countrywide，該公司2008年被美銀收購——譯者注）向房利美(Fannie Mae)等機構(gòu)出售的住房抵押貸款有關(guān)。
At the time, the roughly $1.5bn settlement was cheered by investors and analysts, who thought it eliminated mounting uncertainty regarding BofA’s exposure to potential claims arising from losses on home loans. BofA shares closed up more than 6 per cent on January 3 2011 compared with the previous day.
當時，價值約15億美元的和解協(xié)議受到投資者和分析師的歡迎，他們認為這消除了當時不斷增加的不確定性，這種不確定性源于美銀可能因房貸損失引發(fā)的訴訟而遭遇風險。2011年1月3日，美銀股票收盤價較前日上漲逾6%。
But that optimism was short lived. Since then, the bank has been hit by tens of billions of dollars in additional mortgage-related costs, lawsuits, settlements and demands to repurchase soured loans it sold to third parties. Investor concerns increased in line with the rise in repurchase requests.
但這種樂觀情緒并沒有維持多久。自那以后，有關(guān)抵押貸款的糾紛不斷產(chǎn)生新的成本、出現(xiàn)新的訴訟、達成新的和解、出現(xiàn)新的第三方要求美銀回購不良貸款，對美銀造成累計數(shù)百億美元的損失。隨著回購請求的增加，投資者的擔憂也與日俱增。
The bank yesterday went a long way towards putting those concerns at ease.
美銀在今年1月初邁出的這長足的一步，大大緩解了這種擔憂。
The bank’s announcement that it has reached a comprehensive deal with Fannie Mae, agreeing to pay about $10.3bn to settle repurchase claims, resolves “substantially all” claims tied to loans sold to Fannie Mae from 2000 to 2008, according to BofA.
美銀表示，該行已宣布的與房利美達成的一份全面協(xié)議，同意支付約103億美元，就各項要求回購的訴訟達成和解，就此解決了有關(guān)美國國家金融服務(wù)公司2000年到2008年之間出售給房利美貸款的“幾乎全部”訴訟。
Barclays analysts said the settlement means BofA’s repurchase issues are “increasingly in the rear view mirror”.
巴克萊(Barclays)分析師表示，和解協(xié)議達成，意味著美銀的回購糾紛“已快要塵埃落定”。
BofA also agreed to pay Fannie Mae an additional $1.3bn to resolve claims that the bank was taking too long to foreclose on homeowners struggling to pay their mortgages or to modify the terms of their loans.
美銀還同意向房利美額外支付13億美元，就另外一些訴訟達成和解。這些訴訟針對的是，該行遲遲不取消那些難以償還抵押貸款的房主的房產(chǎn)贖回權(quán)，或遲遲不修改房主的貸款條款。
“[The] settlement comes at a high cost, but is still a positive,” Barclays said.
巴克萊表示：“（此次）和解協(xié)議的達成代價極大，但仍具有積極意義?！?BR> Brian Moynihan, BofA chief executive, said: “Together, these agreements are a significant step in resolving our remaining legacy mortgage issues, further streamlining and simplifying the company and reducing expenses over time,” he added.
美銀首席執(zhí)行官布賴恩·莫伊尼漢(Brian Moynihan)表示：“上述各項和解協(xié)議加在一起，是我們向解決剩余的抵押貸款遺留問題邁出的一大步。隨著時間的推移，公司將進行進一步優(yōu)化和簡化流程，并降低費用?！?BR> But Moshe Orenbuch, analyst at Credit Suisse, said the settlement “deals with a couple of the issues [but] it doesn’t put them entirely to bed.”
但瑞信(Credit Suisse)分析師莫什·奧倫巴(Moshe Orenbuch)表示，和解協(xié)議“解決了部分問題，（但）沒有解決所有問題”。
“You’ve still got the private-label disputes,” Mr Orenbuch added, referring to demands from those who invested in the bank’s non-government guaranteed mortgage securities.
奧倫巴補充稱：“美銀與一些私營機構(gòu)仍然存在糾紛。”他指的是，該行非政府擔保抵押貸款證券投資者的要求還未得到滿足。
Fannie Mae executives said the moves by BofA were a welcome turnround from what they saw as the aggressive stance the bank took previously.
房利美的高管紛紛表示，他們認為美銀之前的立場有些過分，這次的舉動轉(zhuǎn)變了立場，是值得歡迎的。
BofA had fought Fannie Mae’s increasing number of repurchase requests. While the rest of Fannie Mae’s counterparties were slowly resolving those claims, BofA’s were building and became one of the biggest headaches facing the government-controlled mortgage group.
美銀此前一直抵制房利美日益增加的回購請求。房利美其余的交易對手在慢慢解決這些請求，而美銀面臨的回購請求則越積越多，成為最令這家政府旗下抵押貸款集團頭疼的交易對手之一。
That fight escalated throughout 2011, but reached its apex early last year when Fannie Mae declined to renew a contract with BofA that would have enabled the bank to continue selling Fannie Mae standard loans that could be bundled into securities and sold to investors.
雙方的斗爭在整個2011年里逐步升級，但斗爭的高潮是在去年年初——當時房利美拒絕與美銀續(xù)簽一份合同，該合同將允許美銀繼續(xù)銷售房利美標準貸款，這些貸款可以被打包成證券并向投資者出售。
Since then, talks to resolve the impasse continued but often stalled.
自那以后，雙方旨在解決這種僵局而舉行的談判一直在進行，但經(jīng)常中斷。
It was not until last month, when Mr Moynihan praised Fannie Mae during a speech in Washington, that the talks began to make progress, Fannie Mae officials said. Mr Moynihan’s positive posture reassured Fannie Mae executives.
房利美官員們表示，直至莫伊尼漢去年12月在華盛頓的一場演講中稱贊了房利美，談判才開始取得進展。莫伊尼漢的積極姿態(tài)打消了房利美高管們的疑慮。
Yesterday’s settlement opens the door to a full resumption of BofA’s relationship with Fannie Mae, officials said.
官員們表示，幾天前達成的和解協(xié)議，為美銀全面恢復與房利美的關(guān)系開啟了大門。
In a further sign of BofA’s attempts to limit its losses from home loans, it announced it had sold the rights to service some 2m investor-owned loans. At roughly $306bn in unpaid principal balances, the sale amounts to about a quarter of the loans the bank services for third parties.
美銀宣布，它出售了約200萬筆投資者所有的抵押貸款收賬權(quán)，這進一步表明美銀在努力將住房抵押貸款損失限制在一定范圍之內(nèi)。美銀出售的抵押貸款收賬權(quán)未付本金余額約為3060億美元，相當于該行出售給第三方的抵押貸款額的四分之一左右。
Non-bank servicers were the biggest buyers.
非銀行金融公司是當初美銀抵押貸款的買家。
Nationstar Mortgage said it purchased $215bn in servicing rights from BofA while Walter Investment Management said it bought the rights to service $93bn in mortgages from BofA.
Nationstar Mortgage表示，它當初從美銀手中購買了2150億美元抵押貸款收賬權(quán)，而Walter Investment Management也表示，它當初從美銀購買了930億美元抵押貸款收賬權(quán)。
Together, the sales represent one of BofA’s biggest retrenchments from the US mortgage industry.
美銀上述這些銷售加在一起，代表著該行從美國抵押貸款行業(yè)規(guī)模的一次撤退。
Nearly two years ago to the day, Bank of America announced it had resolved “substantial legacy issues” with respect to Countrywide Financial home mortgages it sold on to groups including Fannie Mae.
差不多正好兩年前，美國銀行(Bank of America)宣布，該行已就“一些重大法律糾紛”達成和解，這些法律糾紛與美國國家金融服務(wù)公司（Countrywide，該公司2008年被美銀收購——譯者注）向房利美(Fannie Mae)等機構(gòu)出售的住房抵押貸款有關(guān)。
At the time, the roughly $1.5bn settlement was cheered by investors and analysts, who thought it eliminated mounting uncertainty regarding BofA’s exposure to potential claims arising from losses on home loans. BofA shares closed up more than 6 per cent on January 3 2011 compared with the previous day.
當時，價值約15億美元的和解協(xié)議受到投資者和分析師的歡迎，他們認為這消除了當時不斷增加的不確定性，這種不確定性源于美銀可能因房貸損失引發(fā)的訴訟而遭遇風險。2011年1月3日，美銀股票收盤價較前日上漲逾6%。
But that optimism was short lived. Since then, the bank has been hit by tens of billions of dollars in additional mortgage-related costs, lawsuits, settlements and demands to repurchase soured loans it sold to third parties. Investor concerns increased in line with the rise in repurchase requests.
但這種樂觀情緒并沒有維持多久。自那以后，有關(guān)抵押貸款的糾紛不斷產(chǎn)生新的成本、出現(xiàn)新的訴訟、達成新的和解、出現(xiàn)新的第三方要求美銀回購不良貸款，對美銀造成累計數(shù)百億美元的損失。隨著回購請求的增加，投資者的擔憂也與日俱增。
The bank yesterday went a long way towards putting those concerns at ease.
美銀在今年1月初邁出的這長足的一步，大大緩解了這種擔憂。
The bank’s announcement that it has reached a comprehensive deal with Fannie Mae, agreeing to pay about $10.3bn to settle repurchase claims, resolves “substantially all” claims tied to loans sold to Fannie Mae from 2000 to 2008, according to BofA.
美銀表示，該行已宣布的與房利美達成的一份全面協(xié)議，同意支付約103億美元，就各項要求回購的訴訟達成和解，就此解決了有關(guān)美國國家金融服務(wù)公司2000年到2008年之間出售給房利美貸款的“幾乎全部”訴訟。
Barclays analysts said the settlement means BofA’s repurchase issues are “increasingly in the rear view mirror”.
巴克萊(Barclays)分析師表示，和解協(xié)議達成，意味著美銀的回購糾紛“已快要塵埃落定”。
BofA also agreed to pay Fannie Mae an additional $1.3bn to resolve claims that the bank was taking too long to foreclose on homeowners struggling to pay their mortgages or to modify the terms of their loans.
美銀還同意向房利美額外支付13億美元，就另外一些訴訟達成和解。這些訴訟針對的是，該行遲遲不取消那些難以償還抵押貸款的房主的房產(chǎn)贖回權(quán)，或遲遲不修改房主的貸款條款。
“[The] settlement comes at a high cost, but is still a positive,” Barclays said.
巴克萊表示：“（此次）和解協(xié)議的達成代價極大，但仍具有積極意義?！?BR> Brian Moynihan, BofA chief executive, said: “Together, these agreements are a significant step in resolving our remaining legacy mortgage issues, further streamlining and simplifying the company and reducing expenses over time,” he added.
美銀首席執(zhí)行官布賴恩·莫伊尼漢(Brian Moynihan)表示：“上述各項和解協(xié)議加在一起，是我們向解決剩余的抵押貸款遺留問題邁出的一大步。隨著時間的推移，公司將進行進一步優(yōu)化和簡化流程，并降低費用?！?BR> But Moshe Orenbuch, analyst at Credit Suisse, said the settlement “deals with a couple of the issues [but] it doesn’t put them entirely to bed.”
但瑞信(Credit Suisse)分析師莫什·奧倫巴(Moshe Orenbuch)表示，和解協(xié)議“解決了部分問題，（但）沒有解決所有問題”。
“You’ve still got the private-label disputes,” Mr Orenbuch added, referring to demands from those who invested in the bank’s non-government guaranteed mortgage securities.
奧倫巴補充稱：“美銀與一些私營機構(gòu)仍然存在糾紛。”他指的是，該行非政府擔保抵押貸款證券投資者的要求還未得到滿足。
Fannie Mae executives said the moves by BofA were a welcome turnround from what they saw as the aggressive stance the bank took previously.
房利美的高管紛紛表示，他們認為美銀之前的立場有些過分，這次的舉動轉(zhuǎn)變了立場，是值得歡迎的。
BofA had fought Fannie Mae’s increasing number of repurchase requests. While the rest of Fannie Mae’s counterparties were slowly resolving those claims, BofA’s were building and became one of the biggest headaches facing the government-controlled mortgage group.
美銀此前一直抵制房利美日益增加的回購請求。房利美其余的交易對手在慢慢解決這些請求，而美銀面臨的回購請求則越積越多，成為最令這家政府旗下抵押貸款集團頭疼的交易對手之一。
That fight escalated throughout 2011, but reached its apex early last year when Fannie Mae declined to renew a contract with BofA that would have enabled the bank to continue selling Fannie Mae standard loans that could be bundled into securities and sold to investors.
雙方的斗爭在整個2011年里逐步升級，但斗爭的高潮是在去年年初——當時房利美拒絕與美銀續(xù)簽一份合同，該合同將允許美銀繼續(xù)銷售房利美標準貸款，這些貸款可以被打包成證券并向投資者出售。
Since then, talks to resolve the impasse continued but often stalled.
自那以后，雙方旨在解決這種僵局而舉行的談判一直在進行，但經(jīng)常中斷。
It was not until last month, when Mr Moynihan praised Fannie Mae during a speech in Washington, that the talks began to make progress, Fannie Mae officials said. Mr Moynihan’s positive posture reassured Fannie Mae executives.
房利美官員們表示，直至莫伊尼漢去年12月在華盛頓的一場演講中稱贊了房利美，談判才開始取得進展。莫伊尼漢的積極姿態(tài)打消了房利美高管們的疑慮。
Yesterday’s settlement opens the door to a full resumption of BofA’s relationship with Fannie Mae, officials said.
官員們表示，幾天前達成的和解協(xié)議，為美銀全面恢復與房利美的關(guān)系開啟了大門。
In a further sign of BofA’s attempts to limit its losses from home loans, it announced it had sold the rights to service some 2m investor-owned loans. At roughly $306bn in unpaid principal balances, the sale amounts to about a quarter of the loans the bank services for third parties.
美銀宣布，它出售了約200萬筆投資者所有的抵押貸款收賬權(quán)，這進一步表明美銀在努力將住房抵押貸款損失限制在一定范圍之內(nèi)。美銀出售的抵押貸款收賬權(quán)未付本金余額約為3060億美元，相當于該行出售給第三方的抵押貸款額的四分之一左右。
Non-bank servicers were the biggest buyers.
非銀行金融公司是當初美銀抵押貸款的買家。
Nationstar Mortgage said it purchased $215bn in servicing rights from BofA while Walter Investment Management said it bought the rights to service $93bn in mortgages from BofA.
Nationstar Mortgage表示，它當初從美銀手中購買了2150億美元抵押貸款收賬權(quán)，而Walter Investment Management也表示，它當初從美銀購買了930億美元抵押貸款收賬權(quán)。
Together, the sales represent one of BofA’s biggest retrenchments from the US mortgage industry.
美銀上述這些銷售加在一起，代表著該行從美國抵押貸款行業(yè)規(guī)模的一次撤退。