VOA慢速英语(翻译+字幕+讲解):津巴布韦“动产”贷款提案 照顾小商小户
日期:2017-04-22 11:30

(单词翻译:单击)

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听力文本

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Zimbabwe wants small business to be able to get credit to start or grow a business.
If the country's Parliament approves a bill proposed last week, business owners will be able to use cows, cars, machines and other "movable property" to secure loans.
In most countries, people use their home or land they own to secure a bank loan. But in countries where the economy is struggling, many people do not have those assets.
If the bill passes, Zimbabwe will join other African nations, including Liberia, Ghana, Kenya, Lethoso and Malawi that use "movable assets" to secure loans.
The law would let the Zimbabwean government consider "movable assets" as any "tangible or intangible property" that is not immovable.
Finance Minister Patrick Chinamasa introduced the bill so Zimbabwe's informal businesses could get bank loans more easily.
The "movable assets" used to secure loans would be registered in a database set up by the central bank.
Chinamasa said banks have not changed their policies to deal with the current economy in Zimbabwe. The country used to have many more traditional business loans that were secured by land and homes.
But that changed when President Robert Mugabe seized farms and other property held by white owners between 2000 and 2008. The farms became less productive and the country's economy declined.
Instead of having large farms, Zimbabwe became a country of smaller farms and smaller businesses. The economy became less traditional and more informal. But the banks did not adjust.
Chinamasa said he wants banks to change their attitudes in order "to reflect our economic realities."
Chinamasa said he wants loans to small businesses to grow. So far this year, small business loans have accounted for only $250 million out of $4 billion of bank loans.
In his proposal to Parliament, Chinamasa said moveable assets increased the number of loans given to small businesses in countries where non-traditional assets were accepted as security. He added that interest rates in those countries also fell.
I'm Dan Friedell.

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词汇解析

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1.credit n.贷款

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I know someone who should be able to fix you up.
我知道有个人能提供你所需要的东西TMCJ_em[.G[.uUj2l

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2.secure vt.确保,争取到

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Federal leaders continued their efforts to secure a ceasefire.
联邦政府的领导人们继续他们争取停火的努力Z|n&]iCCLynl%QWl

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3.tangible adj.有形的,清晰明确的

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There should be some tangible evidence that the economy is starting to recover.
应该有一些足够清晰的证据表明经济正开始复苏Y*Um^6~GTxNEh

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4.seize vt.没收,查封

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Police were reported to have seized all copies of this morning's edition of the newspaper.
据报道警方已没收了该报纸今早所有的出刊jUE9|t^nhB8g5[.7B8w2

内容解析

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1. The "movable assets" used to secure loans would be registered in a database set up by the central bank.

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set up 成立,建立,创立

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sThey took to the streets, setting up roadblocks of burning tyres.
他们走上街头,用燃烧的轮胎设置路障dn*=f#RBbFC7jXb

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The two sides agreed to set up a commission to investigate claims.
双方同意成立一个委员会,调查索赔问题%&^1UuvYe9+.PHTh

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2. Zimbabwe wants small business to be able to get credit to start or grow a business.

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be able to do sth 有能力做某事

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Japan might be able to unload more of its steel abroad.
日本或许能向国外倾销更多的钢铁j~2jG!GUS~APmV2X7^

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I know someone who should be able to fix you up.
我知道有个人能提供你所需要的东西JN8%vb2XLzh~au].+r

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参考译文

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津巴布韦希望小本生意也能获得能助力其白手起家或稳步发展的贷款J3iCX|8n1|eWRnvW
如果津巴布韦议会通过上周的提案,那么小本商家也将可以通过抵押牛、车、机器和其他“动产”来获取贷款O1&KDQhW;h.]x
大多数国家的公民都是通过抵押其名下的房屋或土地来获得银行贷款9]CH(ojsJ[%GJJ.O^)vA。但在很多经济低迷的国家,很多人根本就没有房屋或土地A%2ueh4B!!IzuXR
如果这次提案通过,那么津巴布韦将成为继利比里亚、加纳、肯尼亚、莱索托、马拉维之后又一通过“动产”来获得贷款的非洲国家QwJnG,n7PVEaJN-Uo=T
这项法律让津巴布韦政府将“动产”视作“有形或无形的不动产”~l-qY.n(t+F8glBz
财政部部长帕特里克 奇纳马萨(Patrick Chinamasa)引入这项提案的目的是让津巴布韦的非正式商家可以更轻松地获得银行贷款KzR=rBE2NZ_bd

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这种用来获得贷款的“动产”将登记在津巴布韦中央银行的数据库中]O-Wo]=**~
奇纳马萨表示,津巴布韦的各大银行在现行的(低迷)经济面前并未改变银行的政策Z!FK0a75UqSYl-z9。津巴布韦的很多传统贷款都是通过房屋和土地来抵押的h;RZCyx2!xy8.4S&^7|*
但这一情况在津巴布韦总统罗伯特 穆加贝(Robert Mugabe)在2000-2008年之间查封白人的农场和其他财产后发生了改变vuM@|R+RElxr(G^S。农场的产量下降,而津巴布韦的经济也每况愈下qkZB0e5bC;#D,l
没有了大型的农场,津巴布韦所剩的只有小型农场和小户商家c^xv1WZ,BNUS)。其经济也不再如以前一般传统,变得更加非正式E.lUP_lQK|L!g+r7l(。(虽然如此,)银行还是没能充分适应bka5Eqx67jjbko8q+8M
奇纳马萨表示自己希望各个银行能够改变态度,以“反映我们的经济现实”D,~vWn6jP.
奇纳马萨还表示自己希望能有更多的贷款借贷给小型商户,帮助他们成长SA;TuBFMQ5h~#&3@u)x!。今年到目前为止,在40亿银行出借的贷款中,有2.5亿是小型商户借贷的7yW0*^Z[)-z
在向议会提交提案时,奇纳马萨表示,动产增加了小型商户可以借到的贷款数量,因为(像津巴布韦在内的很多国家,)非传统性资产也可以视作安全的资产nhsj=Bq.nL。奇纳马萨补充说,这些国家的利率也有所下滑3i@5Z!00%Xee)cdd
Dan Friedell为您播报1#y6Mwa,lMME=9Z45|1q

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译文为可可英语翻译,未经授权请勿转载!

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重点单词
  • intangibleadj. 难以明了的,无形的 n. 无形的东西
  • securityn. 安全,防护措施,保证,抵押,债券,证券
  • proposaln. 求婚,提议,建议
  • immovableadj. 固定的,不动的,无法改变的,无感情的 n. 不
  • reflectv. 反映,反射,归咎
  • fell动词fall的过去式 n. 兽皮 vt. 砍伐,击倒 a
  • commissionn. 委员会,委托,委任,佣金,犯罪 vt. 委任,委托
  • secureadj. 安全的,牢靠的,稳妥的 vt. 固定,获得,使
  • propertyn. 财产,所有物,性质,地产,道具
  • evidencen. 根据,证据 v. 证实,证明