经济学人:发薪日贷款海底大冒险

时间:2015-12-02 17:18:55 编辑:mike 可可英语APP下载 | 可可官方微信:ikekenet

字号：大 | 中 | 小

But retail politics—selling eye-catching policies to voters—still starts on the high street.
但是零售式竞选政治—政客当面请求公众以拉票的活动—仍然在繁华的商业大街上进行着。

On October 17th Ed Miliband, Labour's leader, announced plans to halt the tide of payday loan firms into Britain's shopping districts that accelerated following the economic crisis in 2008.
10月17日，工党的领导人，艾德?米利班德，宣布限制在英国的商业中心建立发薪日贷款公司的计划。自从2008年经济危机以后，发薪日贷款公司在英国市中心发展速度加快。

Payday lenders are an obvious example of what Mr Miliband considers irresponsible capitalism.
米利班德认为发薪日贷款人是不负责的资本主义的一个典型例子。

As well as making struggling high streets even less attractive, they are accused of stiffing impoverished customers with high interest rates.
发薪日贷款人不仅使得繁华的大街的吸引力减弱，而且也受到指控利用高利率诈骗贫穷的顾客。

Nearly a third of payday loans are taken out to cover day-to-day household bills, Labour says.
工党宣称，大约有三分之一的发薪日贷款用来支付家庭的日常开支。

Excessive borrowing is a common cause of poverty, according to the Citizens Advice Bureau, a charity.
慈善机构公民咨询局表明，过多的贷款是造成贫穷的普遍原因。

First, a Labour government would push the Financial Conduct Authority (FCA) to introduce some sort of cap on interest rates or charges.
首先，工党政府可督促金融市场行为监管局对利率或费用进行限制。

Second, it will increase the levy that lenders currently pay to the FCA and spend it on debt counselling and supporting credit unions (non-profit mutual lenders).
第二，政府将提高款权人目前向金融市场行为监管局缴纳的税收并将其用于债务咨询，支持信用合作者（非营利共同贷款人）。

Third, councils will be given new powers to prevent shops being turned into payday lenders.
第三，将授予委员会新的职权以避免商店成为发薪日贷款方。

At present the government spends ￡13m ($21m) per year on encouraging credit unions.
目前，政府每年支出1300英镑用于鼓励信用合作社发展。

Labour wants to double that figure, suggesting the new levy would be fairly light.
工党想增加一倍的支出，并认为新税率将会有所降低。

Changing planning laws—not a new idea—would have the most effect, but most high streets have plenty of payday loan shops already.
改变计划法律？—这并非是个新想法—可能会获益匪浅，但是大多数商业街已经有很多发薪日贷款店铺的存在了。

Bank of England figures show that credit-card lending is picking up again after several years of decline.
英格兰银行的数据显示信用卡贷款在沉寂了几年之后现在又开始复苏。

Partly thanks to government prodding, credit unions are trying to lure customers from payday lenders, spending more on advertising and speeding up their application processes.
部分由于政府的刺激，信用合作社设法从发薪日贷款人那里争夺顾客，加大了宣传力度并加快了他们的申请程序。

And much like those other high-street bugbears, bookmakers and pawnbrokers, payday lenders will not disappear soon.
和其他商业大街的顽疾一样，出版商、当铺老板、发薪日贷款人都不会很快消失在人们的生活中。

But eventually the tide will go out—and politics will have little to do with it.
但最终潮水会退去—而政治和这关系不大。译者：毛慧校对：姜开峰

扫描二维码进行跟读打分训练

1.plan to 计划

例句:Pointing at a sketch map, he explained the long-term plan to the visitors.

他指着示意图给来宾讲解远景规划。

2.accuse of 控告

例句:I hate it when people accuse us of that.

我讨厌别人就那件事指责我们。

3.according to 根据

例句:They both played the game according to the rules.

他们俩都依章行事。

4.turn into 变成

例句:We think he'll turn into a top-class player.
我们认为他会成为一流的选手。

上一页 [1] [2] 下一页 查看《经济学人商业系列》更多内容>>

重点单词		查看全部解释
decline	[di'klain]	想一想再看 n. 衰微，跌落; 晚年 v. 降低，婉谢
irresponsible	[.iri'spɔnsəbl]	想一想再看 adj. 不负责任的，不可靠的，没有承担能力的
figure	['figə]	想一想再看 n. 图形，数字，形状; 人物，外形，体型 v	联想记忆 X 单词figure 联想记忆： fig做，制作+ure →做出的状态→形象，人物
application	[.æpli'keiʃən]	想一想再看 n. 应用; 申请; 专心 n. 应用软件程序
compete	[kəm'pi:t]	想一想再看 vi. 竞争，对抗，比赛	联想记忆 X 单词compete 联想记忆： com共同，pet追求－共同追求一个目标－竞争
accuse	[ə'kju:z]	想一想再看 v. 指责，控告，谴责	联想记忆 X 单词accuse 联想记忆： ac朝向，cuse理由，诉讼－有理由－指责，指控
excessive	[ik'sesiv]	想一想再看 adj. 过多的，过分的
levy	['levi]	想一想再看 n. 征税，召集 vt. 征收，发动(战争	联想记忆 X 单词levy 联想记忆： lev升起，y－把税收起来－征税
obvious	['ɔbviəs]	想一想再看 adj. 明显的，显然的	联想记忆 X 单词obvious 联想记忆： ob加强状态+vi道路+ous→就在路上→明显的
credit	['kredit]	想一想再看 n. 信用，荣誉，贷款，学分，赞扬，赊欠，贷方	联想记忆 X 单词credit 联想记忆： cred相信+it表名词，通常是抽象名词→相信