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 bigger concern is the time it takes to clean things up. Based on its experience last year,Citi s bad bank shrinks by only about 10% a year of its own accord as assets mature. RBShas suggested a similar rate of natural decline. So far most firms have achieved far fasterrates of reduction by restructuring and selling bad assets, but some worry that the easygains have now been made. HSBC has indicated that the sluggish American housing marketwill mean its portfolio may shrink more slowly that it once hoped, for instance.

　　更大的担忧是清算所需的时长。按照去年的经验，随着其资产到期，花旗集团的坏账银行在一年内自然缩减了约10%，苏格兰皇家银行也提出了一个差不多的自然缩减率。到目前为止，大多数公司通过重整和变卖不良资产而达到的坏账缩减率要高得多，但有些公司担心这些成果来得太容易。比如，汇丰银行指出，美国疲软的房市意味着该公司的投资组合比曾经预期的缩减得更慢。

　　Looming over all of this are the new capital rules. The unspoken goal of almost all firms isquickly to offload the remaining dodgy assets on their balance-sheets, thus releasing capital,to offset the higher overall capital standards being imposed on them. But the rate of naturalshrinkage of their bad banks is low and the remaining dud assets are hard to sell atreasonable prices They re called toxic for a reason.