贷款公司

Finally, the current lack of liquidity pushes many companies to find new ways to circumvent the measures and look for funding outside of the banking system.

最后，目前流动性的不足，是促使许多公司找到新的途径而得到贷款，并且寻找金融系统以外的融资方法。

Although this may seem like a tactic that is unnecessary, it is very common for debts to pop up on ones credit report while they are in the midst of shopping for home loans, because it is a guaranteed pay day for collection companies who otherwise may have no proof that you owe a debt.

虽然这可能看起来像一种策略，这是不必要的，这是非常普遍的债务，弹出上的信用报告，而他们是在复杂多变的商场，为住房贷款，因为它是一种保证支付每天收集公司的人，否则可能没有证据证明你所欠的债务。

Although this may seem like a tactic that is unnecessary, it is very common for debts to pop up on ones credit report while they are in the midst of shopping for home loans, because it is a guaranteed pay day for collection companies who otherwise may have no proof that you owe a debt.

虽然这看似一种手法，是不必要，这是很平常的债务弹出月的信用报告，而他们正处于购物置业贷款因为这是保证支付每天收集公司的人，否则可能无法证明，你欠了债务。

The government will allocate a total of $75bn to $100bn to the partnerships, which will be leveraged up with loan financing from the Federal Deposit Insurance Corporation and the Federal Reserve.

美国政府将向公私合营投资基金分配总计750亿至1000亿美元资金，美国联邦存款保险公司和美联储所提供的贷款融资将放大这一资金规模。

The two Leviathans have squeezed private firms into the riskiest ends of the mortgage market, such as subprime lending.

这两个庞然大物将私有公司挤压到了诸如次级贷款之类抵押市场最具风险的领域之中。

The tailwinds that have been in place are likely to continue into the first half of 2010,' says Jeffrey Kleintop, chief market strategist at brokerage house LPL Financial in Boston.'Those tailwinds fade as the Federal Reserve discontinues its programs, including programs to buy mortgage-backed bonds.

经纪公司LPL Financial首席市场策略师克莱因托普说，现有的有利形势可能会持续到2010年上半年；随着美国联邦储备委员会结束包括收购抵押贷款支持债券在内的计划，这样的有利形势可能会消失。

"We still do the five-, six-figure loans to Beverly Hills socialites who want to get plastic surgery, but never have we seen so many people in desperate need of funds to finance business enterprises," he added.

&我们借出五六位数字的贷款给比弗利山庄阶层想做整形手术的人，但是我们从来没有见过如此多的人绝望地需要钱来注资他们的公司，&他补充到。

We borrow money against portfolios of interest-bearing receivables whose risk characteristics we understand. We did this in 2001 when we guaranteed $5.6 billion of bank debt to take over, in partnership with Leucadia, a bankrupt Finova (which held a broad range of receivables). All of that debt has been repaid. More recently, we have borrowed to finance a widely-diversified, predictably-performing portfolio of manufactured-home receivables managed by Clayton. Alternatively, we could "securitize" that is, sell these receivables, but retain the servicing of them. If we followed this procedure, which is common in the industry, we would not show the debt that we do on our balance sheet, and we would also accelerate the earnings we report. In the end, however, we would earn less money. Were market variables to change so as to favor securitization, we could sell part of our portfolio and eliminate the related debt. Until then, we prefer better profits to better cosmetics.

2我们也会举债用来买进有利息收入且我们了解其风险属性的应收帐款，像我们在2001年就与 Leucadia 合作联合对当时破产的融资公司 Finova给予56亿美元的债务担保，目前该笔借款业已清偿完毕，而最近，我们也借钱给子公司 Clayton 房屋以协助其买进风险相当分散且容易预估绩效的房屋贷款债权，当然我们大可以像其它同业一样将这些债权证券化卖掉，只保留后续的服务部份，如此我们帐上不但可以降低负债比例，而且可以达到美化帐面的目的，但如此一来，我们却必须牺牲部份利润，除非市场真的转变，使得证券化较有利，我们才可能出售部份应收帐款以降低负债，在这之前，我们宁要里子不要面子。

But it is currently non-economic to securitise these loans, says Laurie Goodman of Amherst Securities.

艾莫赫斯证券公司的高级董事劳里古德曼认为，当前对这些贷款实行证券化不太划算。

When I persuaded Arkansas Power and Light to offer interest-free conservation loans to its customers and charge the cost of making them to the ratepayers, everyone who understood the issue applauded, knowing it was a far cheaper way of increasing energy availability than building new power plants.

我说服了阿肯色电力与照明公司为用户提供无息的节能贷款，把发电的开支算到纳税人的账上，每一个理解为何要这么做的人都鼓掌欢迎，因为他们知道，这比通过修建新的电厂来提高发电量要经济得多。

The split between the two groups can hardly be papered over.

这两个团体间的分歧难以掩饰。

This approach not only encourages a greater number of responses, but minimizes the likelihood of stale groupthink.

这种做法不仅鼓励了更多的反应，而且减少跟风的可能性。