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Johns theory supports one legend that tells a brutal and merciless execution. 约翰的理论持着一种传说,讲述了一个残酷和无情的执刑的情景。After having surrended his kingdom, the king and his administers were beheaded on the spot. 在向自己的国家投降后,国王和他的管理者们被当场斩首。The royal women also met an equally gruesome end. 皇室女性们得到的是同样可怕的结果。There is a poem that purportly tells the massacre. 有一首诗详细讲述了大屠杀的情景。It describes how the royal women were taken and thrown from the palace ramparts.它描述了皇室女性们被抬走,从宫殿城墙外扔出。To the people below, these brightly dressed princesses look like spring flowers falling from heaven. 而对于下面观此景的人,这些衣着鲜艳的公主看起来像春天的花朵从天堂坠落。The soldiers yelled and shouted to see more and more flowers.士兵们叫喊着要看到越来越多的鲜花。He met his doom with the end of sword. 他的剑遭逢厄运。201402/277840The People’s Bank of China lifted restrictions on commercial interest rates, leaving lenders free to set the price of credit for the first time. By removing the floor on rates, previously set at 70% of the central bank’s benchmark interest rate, officials hope to increase competition among banks and spur lending to private companies.中国人民全面放开贷款利率管制。首次允许金融机构自行设定贷款利率。取消金融机构贷款利率0.7倍下限,官方希望增加间的竞争力,刺激贷款流向私企。The EU’s controversial Alternative Investment Fund Managers Directive came into force. The AIFMD, which will be phased in over a year, aims to change the way hedge funds, buy-out firms and other alternative-investment companies in Europe deal with risk, market their funds and pay staff. The industry fears that the new rules will serve mainly to raise costs to investors.欧盟富有争议的另类投资基金经理指令生效。此指令会在一年多的时间里逐渐施行,目的在于改变对冲基金,收购公司和其他另类投资公司在欧洲风险管理,规范自己基金以及员工工资的方式。欧洲金融业害怕新规则会增加投资者的花费。The Financial Stability Board, which co-ordinates financial regulation for the G20, named nine insurers, including Allianz, MetLife and Prudential, as “systemically important”. The designation, hitherto reserved for big banks, entails closer regulatory scrutiny and higher capital requirements. The insurers argue that lumping them with lenders is unfair because of their fundamentally different risk profiles.协调G20金融管理的金融稳定委员会指名包括安联,大都会人寿和保诚集团在内的9个保险公司具有系统重要性。这个称号,迄今为止只有有,现在则意味着监管更加严格,资金要求更高。保险公司辩解道,将他们同相提并论对他们不公平,因为他们本质上截然不同的风险形象。The G20 endorsed a roadmap drawn up by the OECD, a rich-country club, for reforming the current patchwork of cross-border tax rules and treaties. Its 15 proposals should make it harder for companies to exploit the existing system’s many loopholes.G20签署了一个经合组织规划的路线图,经合组织是一个富国俱乐部,该路线图是为了改革现有拼凑起来的边境税规则。该路线图的15项提议会使得公司钻现有制度的空子变得困难。America’s Securities and Exchange Commission charged Steven Cohen in a probe centred on his hedge fund, SAC Capital. The SEC did not accuse Mr Cohen directly of insider trading, but filed a civil suit against him for failing “reasonably to supervise” two underlings, who now await criminal trial for it. SAC vowed to fight the charge.美国券交易委员会控告赛科资本的Steven Cohen,并对其对冲基金展开调查。券交易委员会并没有直接起诉Mr Cohen内幕交易,而是因其没能有效监督两位即将面临牢狱之灾的下属而对其提起民事诉讼。赛克资本说要应对诉讼。A federal appeals court upheld a verdict reached last year by a jury in Texas to invalidate two patents covering some of the internet’s basic interactive features. This put an end to a protracted legal battle which pitted a clutch of big web firms, including Amazon and Google, against the patents’ owner, Eolas Technologies, which was seeking damages of at least 0m.联邦上诉法庭对去年德州一名法官对两个涉及互联网基础交互的专利侵权宣告无效的判决予以肯定。这宣告了陷入官司的包括亚马逊和谷歌在内的网络巨头们同原告,即专利的拥有者Eolas Technologies的纠纷结束。Eolas Technologies公司索要至少6亿美元的赔偿。Yahoo said it will buy back 40m shares, valued at .2 billion, from Third Point, a hedge fund headed by Daniel Loeb. Shares in the internet giant have almost doubled in value since the activist investor helped to boot out Scott Thompson and install Marissa Mayer as boss a year ago. Third Point will keep a stake of less than 2% in Yahoo, worth around 0m, but Mr Loeb and two directors he nominated will leave the board.雅虎宣告要从Daniel Loeb领导的对冲基金Third Point回购4000万股股票,价值12亿美元。自从一年前维权投资者帮着解雇掉Scott Thompson,任命Marissa Mayer当老板以来,雅虎这一网络巨头的股价已经翻了一番。Third Point将持有雅虎不到2%的股份,价值5亿美元左右,但是Mr Loeb和他任命的两个主管将离开董事会。Michael Dell and Silver Lake Partners, a private-equity firm, raised their offer for the computer-maker Mr Dell founded by 10 cents, to .75 a share. A vote by Dell shareholders on whether to accept the buy-out bid, currently valued at .4 billion, was postponed for the second time.迈克尔·戴尔和私募公司银湖资本向戴尔公司提出收购提案。该电脑公司由戴尔先生创立,股价从每股10分增加到了现在的每股13.75美元。戴尔股东关于此次收购的投票再次推迟,此次收购金额达244亿美元。Apple made a profit of .9 billion in the second quarter, down from .8 billion last year but higher than many analysts had expected, thanks to soaring demand for iPhones. The gadget-maker shifted 31.2m smartphones in the three months to June, 5.2m more than a year ago. Sales of its tablet computers, though, were disappointing: only 14.6m iPads were sold between April and June, down from 17m last year.苹果第二季度利润达69亿美元,与去年同期的88亿美元相比有所下降,但高于很多分析师的预期。这得归功于iphone的强烈需求。该公司四到六月智能手机的销售量为3120万,比去年多520万。然而,其平板电脑的销售量则令人失望,同期只卖出了1460万台,相比去年的1700万有所下降。EasyJet flew 16.4m passengers in the three months to June, up 2.6% on last year. The budget airline’s revenue grew by 10.5% in the second quarter, to £1.14 billion (.75 billion), as frugal consumers snapped up cheap holiday flights well in advance.易捷航空二季度运送旅客达1640万人次,与去年同期相比增加了2.6%。由于节俭的旅客提前抢订假期机票,其二季度应收增加了10.5%,达到了11.4亿英镑,也就是17.5亿美元.SAP announced that it will not replace Jim Hagemann Snabe, one of its two joint chief executives, when he moves to the supervisory board in May 2014. That will leave Bill McDermott, an American, alone at the helm of the German software giant.SAP公司宣布在Jim Hagemann Snabe于2014年五月调任到监事会后,将不会有人接任其首席执行官的职务。这意味着美国人Bill McDermott将会自己掌控德国软件巨头。Caterpillar’s second-quarter sales fell to .6 billion, from .3 billion a year earlier, and profits sank by 43%, to 0m. The world’s biggest maker of earth-moving equipment benefited from a decade of insatiable demand for diggers in places like China but feels the pinch as growth in emerging markets slows.卡特皮勒二季度销售额从去年同期的173亿美元下降到了今年的146亿,利润也减少了43%,只有9.6亿美元。这个世界上最大的土方挖掘机械公司在受益于像中国这种地方对挖掘机的猛烈需求之后感到了新兴市场增长的放缓。Bentley Motors announced that it would invest £800m (.2 billion) in its factory in Crewe. The high-end carmaker, based in Britain but owned by Germany’s Volkswagen, plans to expand the plant to build its first sport-utility vehicle, which it says will be the “most luxurious and most powerful”, and probably most expensive, in the world.宾利汽车宣布将在其克鲁郡的工厂增加8亿英镑(12亿美元)的投资。这个高端汽车生产商位于英国,但是隶属于德国的大众,计划扩建工厂开发第一款SUV,这会是世界上最奢华动力最强劲,可能也是最贵的汽车。Mark Carney, the Bank of England’s Canadian governor, picked Jane Austen, the inventor of chick lit, as the next face to appear on the back of new £10 notes.英格兰的加拿大主管Mark Carney选了小妞文学的创造者,简奥斯丁作为新的10英镑的背面图案。201308/251079Indias Hindu nationalists:印度的印度教民族主义者:Men in shorts穿短裤的人们The election over, Narendra Modi may drop the Hindu right选举结束,纳伦德拉莫迪或许将限制印度教权力。Not physical jerks这可不是单纯的体操。POLITICAL pundits have spent much of the past week debating exit polls, released just after the final day of voting on May 12th. The polls pointed, more or less, to a single outcome: the Bharatiya Janata Party will wallop the incumbent party, Congress, and, led by Narendra Modi, will form the next government. Investors pushed the stockmarket to a record high. But details matter, such as whether Mr Modi can rely on a narrow coalition or will need a broad one. Here, the pollsters cannot be relied upon. The official results are due on May 16th, after The Economist goes to press.5月12日是印度大选投票的最后一天,投票结束后不久,政府即公布了一份票站民意调查。在过去的一周中,政治专家们纷纷就这一调查结果展开辩论。调查或多或少地指向了同一个结果:纳伦德拉.莫迪领导的印度人民党将在选举中击溃现任执政党—国大党,组建下届政府。投资者们借机推动股市达到了创纪录的新高。但是一些细节将对最后的结果产生重大影响,例如莫迪先生是否可以依赖这一狭隘的联盟或是去寻求一个更广泛的合作。民意调查并不可靠,官方的结果将会在5月16日即本刊付梓后公布。A second debate concerned the clout of the Hindu right. Since he was a boy, Mr Modi has been an activist member in the Rashtriya Swayamsevak Sangh, formed in 1925 as a pro-Hindu social movement. It began with charitable aims but always carried quasi-military overtones as men in brown shorts performed dawn callisthenics. These days the RSS is rebranding itself as a more youthful, right-leaning, nationalist organisation, with rugby and volleyball on offer as alternatives to physical jerks.第二个辩论则有关于印度教权力的影响。从童年起,莫迪先生就一直是印度国民志愿务团的活跃成员。印度国民志愿务团成立于1925年,持印度教社会化运动。它是为了慈善的目的而成立,但是成员们每天早晨穿着棕色短裤演练体操却使它染上了一丝准军事化的色。这些天来,国民志愿务团致力于重新标榜自己为一个更加年轻的,右倾的民族主义组织,并且提供橄榄球和排球作为一个替代体操活动的选择。Throughout the election campaign, the RSS supplied volunteers for the BJP. The organisations sway within the party remains strong. Mr Modi became party leader in 2013 when the RSS chose to back him. Observers see an effort to expand the RSSs “majoritarian” appeal, with less talk of Hindu identity and more about national strength. Smooth-tongued spokesmen downplay a once-core assertion of the RSS: that to be Indian was to be Hindu.在整个的竞选活动中,RSS一直为印度人民党提供志愿者。该组织在人民党内保持着巨大的影响力。2013年,在RSS的持下,莫迪先生成为了印度人民党的领袖。观察家们将其视作印度国民志愿务团扩大其“多数人统治”诉求的努力,只是现在他们更少地谈及印度教的身份,转而更多地从国家力量的出发。圆滑的发言人如今则对务团曾经核心的主张—“印度人就得是印度教徒”轻描淡写。Yet Mr Modis rise brings questions about the role of the RSS and the wider Sangh Parivar, or family of Hindu nationalist outfits. Some have high expectations. About 2,000 volunteers turned out to help Mr Modi in Varanasi alone. On May 12th members of the RSSs student wing cheered Mr Modi as “one of us ”, claiming he would bring relief on issues dear to them. These include calls for a temple to be built at the site of a demolished mosque in Ayodhya in Uttar Pradesh; for Muslim-majority Kashmir to lose its special status under the Indian constitution; and for the abolition of a separate marriage code for Muslims. Not for these people discussions about economic policies.然而,莫迪先生的就职带来了有关RSS与更广泛的“联合家庭”—印度教民族主义者组织联合间的角色问题。有些人抱着很高的期待。仅在瓦拉纳西市就有约2000名志愿者帮助莫迪先生的竞选。5月12日,加入国民志愿务团的学生们便欢呼莫迪先生是“我们的一员”,宣称他将会对有利于他们的事情(对那些穆斯林和无宗教主义者则充满忧虑)带来解决办法。这些就包括呼吁在北方邦阿约提亚市的一处废旧的清真寺旧址上修建一座寺庙;呼吁取消穆斯林人口占多数的克什米尔地区在印度宪法下的特殊地位;呼吁废除专为穆斯林制定的单独的婚姻法。以及不要为这些人讨论经济政策。A senior RSS organiser in Varanasi talks of Mr Modi restoring pride in “what the nation lost in the last 1,000 years, in the sons of the nation, the Hindus who originally belonged to this country”. Only once before, at the defeat of Indira Gandhi in 1977, has the RSS thrown itself so heavily into party politics. Just as it is helping Mr Modis cause, so he is helping the RSS, according to one of its spokesmen in Delhi. With more effective recruiting, especially online, 10,000 new members are said to be signing up each month, including at universities and among employees at the countrys booming IT firms.RSS的一位高级官员在瓦拉纳西市谈及莫迪先生重建了印度人的骄傲,这份骄傲是“在过去的1000年中这个国家所丢失了的事物中,在这个国家的子孙间,在那些从最开始就属于这片土地的印度教徒身上”。之前只有在1977年英迪拉.甘地失败的那一次竞选中,RSS才如此激烈地参与到过党派政治中。据德里的一位发言人称,RSS在帮助莫迪先生的事业,他也在帮助RSS。得益于更有效率的招募行动,尤其是在网络上的,据说每个月都有10,000名新成员加入,而其中就包含着在校大学生和这个国家冉冉升起的IT行业的雇员们。If Mr Modi becomes prime minister, members of the broad Sangh Parivar family say they expect a more forceful approach to Pakistan and China. School textbooks could be reworked to show history “in the right way”, as one puts it, for example by telling how Maratha kings triumphed over Muslim armies.如果莫迪先生当选为总理,广大的“联合家庭”成员们期待着对巴基斯坦和中国采取更为强硬的措施。学校的教科书也会被重新编写,例如通过描述马拉地国王如何打败穆斯林军队这种所谓的“正确的方式”展现历史,。Yet Mr Modis iness for collaboration may prove passing. It is true that on May 10th he spent two hours with the RSSs leader, Mohan Bhagwat, reportedly to assess the national campaign and potential ruling coalitions. But with voting over, the BJP will not need its armies of street volunteers. And Hindu nationalists may recall how in Mr Modis early years of running the state of Gujarat, he mostly kept the RSS at arms length, worried that a rival power might arise. Widening his appeal to all Indians may mean turning his back on the more divisive outfits to which he has been close.然而莫迪先生的合作意愿可能只是短暂的。5月10日,他与RSS的领导人莫汉.巴格瓦特会谈了两个小时,据报道是在评估全国运动以及潜在的执政联盟。但是当投票结束后,印度人民党将不再需要街头的志愿者军队。那时印度教民族主义者或许会记起莫迪先生早年在古吉拉特邦执政时是如何做的——大多数时候他都会与RSS保持距离 ,以避免反对力量的出现。迎合更广大的印度人民意味着莫迪先生会背离这一引起纠纷的组织,尽管他一直同印度国民务团关系亲密。 201405/302140Science and technology科学技术Psychology心理Tall, dark and stable Wobbly furniture leads to a desire for emotional stability摇摇晃晃的家具让人在情绪上追求稳定CLEARLY, a person’s decisions are determined by circumstances.显然,任何人在做决策的时候都受决策时的周遭环境所影响。Just how closely they are determined, however, has only recently become apparent.但具体来说会造成多大的影响直到最近才有了一个较为清晰的解释。Experiments conducted over the past few years have revealed that giving someone an icy drink at a party leads him to believe he is getting the cold shoulder from fellow guests, that handing over a warm drink gives people a sense of warmth from others,在过去几年进行的一系列实验中,有一个实验发现在聚会中,给客人提供冷饮会让他有不受旁边人待见的感觉倾向,相反,提供温水等有温度的饮料会让他们感觉到周围人的温暖。and—most astonishingly—that putting potential voters in chairs which lean slightly to the left causes them to become more agreeable towards policies associated with the left of the political spectrum.最让人惊奇的是,在另外一个关于潜在选民的实验中,让一个没有立场的潜在选民,坐在椅子上并微微向左边靠,他会更加认同与左派相似的政治立场。The latest of these studies also looks at the effect of furniture.这一系列实验最近将他们的目标转向了家具,研究家具对人的影响。It suggests that something as trivial as the stability of chairs and tables has an effect on perceptions and desires.他们假设许多不被人注意到的细节例如桌椅的稳定性会影响到人们对于其他事物的看法和愿望。The study was conducted by David Kille, Amanda Forest and Joanne Wood at the University of Waterloo, in Canada, and will be published soon in Psychological Science.这份研究是由David Kille,Amanda Forest以及滑铁卢大学的Joanne Wood一同完成的,即将在《心理科学》杂志上发表。Mr Kille and his collaborators asked half of their volunteers to sit in a slightly wobbly chair next to a slightly wobbly table while engaged in the task assigned.在实验中,他们选取了47个处于单身的大学本科生,将他们分为两组,一半学生在实验中坐在一张会摇晃的桌子旁一张会摇的椅子上,The others were asked to sit in chairs next to tables that looked physically identical, but were not wobbly.另外一半则是坐在外表相似却非常稳的椅子上。Once in their chairs, participants were asked to judge the stability of the relationships of four celebrity couples:研究人员给两组学生展示四组夫妇的照片:Barack and Michelle Obama, David and Victoria Beckham, Jay-Z and Beyoncé, and Johnny Depp and Vanessa Paradis.奥巴马和米歇尔,维多利亚和贝克汉姆,Jay-Z和碧昂斯,强尼戴普和vanessa paradis,They did this by rating how likely they thought it was, on a scale of one to seven, that a couple would break up in the next five years.然后让学生们给四对夫妇的情感稳定性打分—从一分到七分,他们未来五年离婚/分手的几率,A score of one meant extremely unlikely to dissolve.一分代表几乎不可能分开,A score of seven meant extremely likely to dissolve.七分代表十分可能分手。After they had done this, they were asked to rate their preferences for various traits in a potential romantic partner.接下来,调查者让两组学生分别对一系列理想配偶的特征进行打分—量表上给出一系列特征,Traits on offer included some which a pilot study indicated people associate with a sense of psychological stability, some that are associated with psychological instability and some with no real relevance to instability or stability.依旧是一分到七分,一分代表一点也不喜欢这样子的七分代表大爱。量表上设置的特征,有些与追求稳定相关联,有些与追求不稳定相关联,有一些是随机挑选的特质,三类特征交错放置。Participants rated the various traits on another one-to-seven scale, with one indicating not at all desirable and seven meaning extremely desirable.其中关于追求稳定的一些特质包括是否值得信赖,是否可靠。而追求不稳定的特质包括是否自发性强,或是具有探险精神。The results reveal that just as cold drinks lead to perceptions of social conditions being cold, tinkering with feelings of physical stability leads to perceptions of social instability.调查结果就像之前那个聚会不要请人喝冷饮的调查一样,在身体感受到不稳定状态的时候会使得心理上更加倾向于感受到社交中的不稳定因子。Participants who sat in wobbly chairs at wobbly tables gave the celebrity couples an average stability score of 3.2 while those whose furniture did not wobble gave them 2.5.摇椅上的人给那四对夫妇打得分数是3.2,比另外一组高出0.7,越高分数代表越可能分开。What was particularly intriguing, though, was that those sitting at wonky furniture not only saw instability in the relationships of others but also said that they valued stability in their own relationships more highly.最有趣的还不是这里,最有趣的是这些坐在摇晃家具上的人不仅更倾向于看见他人关系中不稳定的因素,也倾向于更加重视追求自己与他人关系中的稳定因子。They gave stability-promoting traits in potential romantic partners an average desirability score of 5.0, whereas those whose tables and chairs were stable gave these same traits a score of 4.5.他们在后一个实验中对理想配偶的稳定特质重视程度的打分平均是5.0,比另外一组高出0.5,The difference is not huge, but it is statistically significant.虽然数字上的差异不是很大,但是就数据分析来说,已经很能说明问题了。Even a small amount of environmental wobbliness seems to promote a desire for an emotional rock to cling to.即使只是环境中存在一点点的不稳定因素似乎都会让人们产生赶快抓住一根感情稻草的冲动。 /201402/277473

Finance and economics财经商业Fannie Mae and Freddie Mac房利美与房地美Deconstruction delays关闭计划或搁浅A flawed reform of Americas housing-finance market存在缺陷的美国房屋金融市场改革A RARE area of agreement about the financial crisis of 2008 is that Fannie Mae and Freddie Mac were at the core of the meltdown and are in urgent need of reform.关于2008年金融危机,几个少有的一致观点中就包括:房利美和房地美是这次灾难的主要原因,亟需整改。On March 16th the leading Republican and Democratic members of thekey Senate Banking Committee belatedly released a plan,在3月16日,参议院委员会中几位主要的共和党和民主党议员发布了一份迟来的计划,for restructuring the two publicly traded mortgage giants.内容是整改这两家公开交易的抵押贷款巨头。The plan has received widesp attention in part because it appears to address the most evident problems of Fannie and Freddie,这份计划受到广泛关注的原因部分在于它或将解决两房最为显著的问题,and because it is deemed likely to be approved by Congress.部分则是普遍认为这份计划会在国会通过。Yet neither of these assumptions, on deeper examination, seems to be true.然而仔细一想,这两个假设似乎都很难实现。To satisfy those who want low-priced mortgages on terms that private markets would never endorse,那些需要私有资本市场不会批准的低成本抵押贷款的民众应感到满足,the plan makes explicit the government guarantee on debt which had been implicit for Fannie and Freddie.因为这份计划明确表示政府将会对这些债务做出担保,而这曾是两房的潜在规则。This would lower the interest rate on high-risk loans, while obscuring the cost of the subsidy.这一规定将降低高风险贷款的利率,同时使补贴成本难以计算。To placate those who worry that this in turn would leave the government stuck with mountains of dud loans,那些担心政府会因此接受大量不良贷款的人也不必紧张,a 10% capital cushion must be provided by investors to absorb initial losses.因为计划规定投资者们需要提供10%的资本缓冲来承担首次损失。A fee of 0.1% would be charged on all mortgage-backed bonds, with the proceeds going to three funds, two pre-existing, that will provide subsidies for housing.所有抵押保债券将会收取0.1%的费用,这笔收费将交由三家提供房屋补贴的基金,其中两家已经存在。An as-yet undetermined insurance charge will be levied on top.另外还要征收一项保险费,其数额尚未确定。The result, said Mike Crapo, the ranking Republican senator on the committee, would be a strong step forward to fixing our flawed housing system.委员会中的资深资深共和党参议员Mike Crapo认为,这个结果将是改善我们充满缺点的住房体系的重要进步。If only, say critics, who include investors and both friends and foes of Fannie and Freddie.批评者,包括投资者以及两房的敌友机构认为,哪怕计划得以通过,也会带来很多问题。The first objection is that the law would create an unwieldy bureaucracy,第一个障碍就是该法规将催生一个运作迟缓的官僚体系,with a regulator atop other entities devoted to overseeing functions such assyndicating loans or bundling the loans of small banks.用一个监管机构来监督实体机构行使某些职能,比如银团贷款和捆绑小型的贷款。When the plan was announced, the price of shares in Fannie and Freddie, which account for about two-thirds of the mortgage market, did not budge at first.当这个计划被宣布时,拥有抵押贷款市场三分之二份额的房利美和房地美的股价并没有立刻发生变化。Then they tanked—presumably because investors reached page 387 of the 442-page text,之后却狂跌不止,或许是因为投资者终于把442页的文本翻到了387页,and found enshrined in legislation an earlier 2012 order by the Treasury that expropriated from private investors all profits made by Fannie and Freddie.发现了法律中深藏的一项财政部于2012年下达的命令:没收私人投资者从两房获得的利润。The move is unlikely to help attract the private money needed to supply the 10% in equity underpinning bonds issued under the new plan.这个命令可不会帮助吸引私人资本为新计划将发行的用以持股票的债券提供10%的资金。Opponents of Fannie and Freddie contend that the two played a key role in the crisis,两房的竞争对手们认为,这两家利用好听的经济适用房的授权,by encouraging the issuance of loans with tiny downpayments through a benign-sounding affordable housing mandate.鼓励发行首付极低的住房贷款,从而对金融危机负有很大责任。Nothing much has changed. Under the new plan, downpayments of as little as 3.5% of the loan value would be permitted.但在这方面却没有太大改变。新计划中,首付款可低至贷款的3.5%。Strewn through the proposed law are words such as affordable, equal access and underserved communities,该项被提议的法规中充斥着经济适用,同样途径和弱势群体这类词语,which suggest that lending decisions will be based on political rather than credit criteria.表明关于贷款的决定将取决于政治因素而不是信用标准。The result, says Edward Pinto of the American Enterprise Institute, a think-tank, will be risky lending for those least able to cope.智囊团美国企业协会的Edward Pinto表示,贷款给无法偿还者非常危险。The underlying problem with the new plan is that, like Fannie and Freddie before it, it tries to reconcile two conflicting goals:新计划的潜在问题和这份计划之前两房的行为一样,想要同时完成两个相冲突的目标:protecting the financial system and providing low-cost housing loans to favoured groups. A better approach would be to handle these goals separately and explicitly.即保护金融体系,又想为特殊群体提供低花费的房屋贷款。将两个目前独立而明确地处理会是一个更好的方式。 /201403/282299

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