Recording 2
录音二
As U.S. banks recovered with the help of American government and the American taxpayers,
在美国政府和纳税人的帮助下，美国银行业得以复苏，
President Obama held meetings with top bank executives, telling them it's time to return the favor.
奥巴马总统与各银行高管举行了会议并告诉银行是时候作出回报了A@zF-kr+aT。
"The way I see it are banks now having a greater obligation to the goal of a wider recovery," he said.
他说：“我认为现在银行更有义务去完成更大范围的经济复苏这一目标，”
But the president may be giving the financial sector too much credit.
但是总统或许太相信财政部门了w~Hq)o,31.3aeJMffMq。
"It was in a free fall, and it was a very scary period." Economist Martin Neil Baily said.
经济学家马丁·尼尔·贝利说：“银行业危机目前处于自由下滑状态，现在是令人恐慌的时期]pP)CIUUkK7j8。”
After the failure of Lehman Brothers, many of the world's largest banks feared the worst as the collapse of the housing bubble exposed in investments in risky loans.
房产泡沫破灭之后，风投资金面临高风险，雷曼兄弟破产，很多世界级大银行担心自己也将迎来最坏的状况Sjduw92S!a])tDd1A1#1。
Although he says the worst is just over, Bailey says the banking crisis is not.
尽管贝利称最糟糕的情况已经过去了，但是他说银行业的危机还没有结束(Zw-6k(D,ZeGVQJPwA&R。
More than 130 US banks failed in 2009.
2009年已经有130多家美国银行倒闭I^]Ce)uL-k-gbo@oQ1。
He predicts high failure rates for smaller, regional banks in 2010 as commercial real estate loans come due.
他预计在2010年，规模较小的地区性银行倒闭的几率较大，原因是商业地产贷款将到期Et@Tk(uqd~x。
"So there may actually be a worsening of credit availability to small and medium sized businesses in the next year or so."
“所以预计明年左右，中小企业信贷的数额可能会日益缩小N~ZCHv2|#luW。”
Analysts say the biggest problem is high unemployment, which weakens demand and makes banks reluctant to lend.
专家称目前最大的问题是高失业率，这会导致借贷需求减少以及银行不愿意放贷YjLQ,Pw8hbi)f.eM。
But US Bankcorp chief Richard Davis sees the situation differently.
但是美国合众银行首席执行官理查德·戴维斯看待这个问题角度有所不同zQI,Nx+hvK*JxG~-r。
"We're probably more optimistic than the experts might be.
“我们比一些经济专家更乐观VL5K2[~@+Zn+。
With that in mind, we're putting in everything we can, lending is the coal to our engine, so we want to make more loans.
基于乐观的态度，我们在尽自己最大的努力，借贷就好像煤炭对于引擎的作用一样，所以我们要放出更多的贷款i9D=x28&v06np2Las(。
We have to find a way to qualify more people and not put ourselves at risk."
我们会找到一种方式让更多的人具备贷款资格并不把我们置于危险之中KHj3uisHfCZpOV@=K3o[。”
While some economists predict continued recovery in the future, Baily says the only certainty is that banks are unlikely to make the same mistakes---twice.
尽管一些经济学家预计银行业会在未来持续复苏，但是贝利说我们唯一能确定的是银行不太可能再犯同样的错误)C]9*Iee|l|TW。
"You know, forecasting's become a very hazardous business so I don't want to commit myself too much.
“你知道，局势复杂多变,不容易预测，所以我不想过多地参与fit~a*4Fa9T1VKPuhB。
I don't think we know exactly what's going to happen but it's certainly possible that we could get very slow growth over the next year or two."
我认为我们不能确切地知道接下来会发生的事情，但是我们可以在未来一两年内让经济缓慢好转[2Ul=Ni|cG_!,DFW2^E|。”
If the economy starts to shrink again, Baily says it would make a strong case for a second stimulus --- something the Obama administration hopes will not be necessary.
如果美国经济再次下滑，贝利认为美国政府应该有充分的理由二度刺激经济——奥巴马政府希望不会出现这样的情况f,1y.GX*G5e=]^。
Questions 19 to 22 are based on the recording you have just heard.
问题19到22是基于刚刚所听到的那段录音)gJ*lSGeYv7|lr。
Question19. What does President Obama hope the banks will do?
问题19：奥巴马总统希望银行做什么？
Question20. What is Martin Neil Baily's prediction about the financial situation in the future?
问题20：马丁·尼尔·贝利预计未来的财务状况将会怎样？
Question21. What does U.S. Bankcorp chief Richard Davis say about its future operation?
问题21：美国合众银行首席执行官理查德·戴维斯对银行的未来运营说了什么？
Question22. What does Martin Neil Baily think of a second stimulus to the economy?
问题22：马丁·尼尔·贝利对二度刺激经济有什么看法B[s,*[LvT,p。

译文属可可原创，仅供学习和交流使用，未经允许不得转载