Arrearsandforeclosures

　　2015复习正是强化复习阶段，在考研英语中占了40分，所以考研英语阅读是英语科目中重要的一项。名师老师曾建议过考研生需要坚持每天泛读10-15分钟的英文原刊。强烈推荐了杂志《经济学人》.杂志中的文章也是考研英语的主要材料来源.希望考研考生认真阅读，快速提高考研英语阅读水平。 　　Arrears and foreclosures 　　拖欠期款与丧失抵押品赎回权 　　Staving off the repo man 　　阻止回购者 　　When the global housing boom turned to bust, mortgage arrears spiked. In America, theproportion of troubled loans rose from 0.2% before the financial crisis to a peak of 11% in2012. In Ireland 18% of all mortgages are now in arrears; by value, they account for 23% ofthe market. 　　当全球房地产业由繁荣变得萧条，按揭贷款拖欠就上升了。2012年，美国不良贷款的比例从金融危机前的0.2%上升至11%的历史新高。目前，爱尔兰18%的抵押贷款处于拖欠状态。据估测，拖欠金额占了市场份额的23%。 　　This crisis is partly self-inflicted. In Greece and Ireland, where foreclosure is very difficult,arrears have piled up. Greece has banned almost all repossessions since 2008. That meansthe total cost to local banks of the property crash is still worryingly uncertain. A recentpaper from the Federal Reserve Bank of Atlanta found that slowing foreclosure in Americalowered, rather than supported, property prices during the crisis. Banks may need to becruel to borrowers to be kind to the wider economy. 　　这场危机部分是由自己造成的。在希腊和爱尔兰，欠款者不易丧失抵押品赎回权，他们的欠款累积成堆。自2008年起，希腊就废除了绝大多数没收抵押物的条例。这就意味着对于本地银行，房地产崩盘的损失总额仍然是不确定的，这令其忧心忡忡。亚特兰大联邦储蓄银行最近发布一篇文章称：在经济危机期间，美国国内丧失抵押品赎回权的速度放缓，但这并没有维持住房地产价格，反而拉低了房价。银行可能需要严待借贷者，而善待更加广泛的经济。 　　1.turn to 变成;求助于 　　For evidence that this is possible, turn to sweden. 　　至于这方面成功的案例，请把目光转向瑞典。 　　In previous downturns chinese steelmakers couldturn to export markets. 　　在以往的低迷期，中国钢铁制造商可以求助于出口市场。 　　2.financial crisis 财务危机 　　The financial crisis put an abrupt end to that expansion. 　　但金融危机使这种扩张戛然而止。 　　Will china have a financial crisis? 　　中国会出现金融危机吗? 　　3.account for 导致，引起 　　Do women account for more of today s affairs? 　　如今女性在婚外情中所占比例是不是更大? 　　Philosophers had long wondered how to account for essences. 　　长期以来，哲学家们困惑于如何说明这些本质。 　　4.pile up 堆放，堆积;积聚 　　The problem occurs when acute stressors pile up and stick around. 　　问题出在当急性压力堆积并留了下来。 　　The chinese still pile up surpluses and need to put them somewhere. 　　中国仍然在堆积贸易顺拆并且要找个地方安置它们。