2015考研英语阅读银行的不良资产_大学英语阅读

2015考研英语阅读银行的不良资产

　　The number of bad banks is actually going up. Bank of America announced this month that itwould set up a new unit to manage the firm s soured mortgages. Many other firms havefiddlier arrangements. KBC, a bailed-out Belgian firm, still has some 25 billion euro of notional exposure to collateralised-debt obligations, although it says these arelargely written off or covered by a specific state guarantee. Barclays has anoff-balance-sheet vehicle called Protium into which it dumped some 12.3 billion dollar ofrisky assets.

　　坏帐银行的数额着实在上升。美国银行于此月宣布，它将会设立一个新部门以管理公司的不良抵押贷款。许多其他公司则会出台更复杂的举措。比利时联合银行在担保债务凭证方面仍存有约250亿欧元的名义风险，尽管它声称大部分风险都已被特定的国家担保注销或者弥补。巴克莱银行有个资产负债表外的工具叫做Protium，利用此工具可摆脱约123亿美元的风险资产。

　　Bad banks are partly about slick presentation. Shareholders and creditors still own a singlefirm but feel more confident if they can see a consistently profitable division within it.Segregating assets can also concentrate managers minds on the task of getting rid of therubbish. Taking Citigroup, RBS, Commerzbank and HSBC together, bad-bank assets havefallen from 1.6 trillion dollar in early 2009 to almost 1 trillion dollar. Quarterly pre-tax losseson these holdings have dropped sharply .