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      考研英语水平的进步，不仅要记单词，还需要阅读外语文献等资料。接下来，小编为2024考研者们，整理出——2024考研英语同源外刊:美国很快会出现银行合并浪潮，供考生参考。

2024考研英语同源外刊:美国很快会出现银行合并浪潮

The trouble facing many of America’s banks is coming into sharp relief. After the failures of Silicon Valley Bank (SVB) and Signature Bank in March, behemoths such as JPMorgan Chase and Bank of America attracted deposits despite paying minimal interest, according to earnings reports released since April 14th. Many small and medium-sized banks, by contrast, face increasing competition for customers and rising funding costs.

许多美国银行面临的麻烦正在得到显著缓解。根据4月14日以来发布的财报，在3月份硅谷银行 (SVB) 和签名银行(Signature Bank)倒闭后，摩根大通和美国银行等巨头尽管支付的利息很低，但仍吸引了存款。相比之下，许多中小型银行面临着日益激烈的客户竞争和不断上升的融资成本。

On April 18th Western Alliance, a lender with $71bn of assets, reported that it had lost 11% of its deposits this year. To tempt deposits back, banks will have to pay more for them; in the meantime many have turned to temporary loans, including from the Federal Reserve, that incur today’s high rates of interest. Yet lots of banks’ assets are low-yielding and cannot be sold without crystallising losses. A big profits squeeze is coming. More banks were due to report earnings after we published this leader.

4月18日，拥有710亿美元资产的银行 Western Alliance 报告说，它今年损失了 11% 的存款。为了吸引存款，银行将不得不为此付出更多;与此同时，许多人转向临时贷款，包括来自美联储的贷款，这导致了当今的利率大。然而，许多银行的资产收益较低，无法在没有明确损失的情况下出售。巨大的利润挤压即将到来。在我们发表这篇文章之后，更多银行将公布财报。

But the market has already made a judgment: America’s banks are worth only about their combined book value, having traded at nearly a 40% premium at the start of the year. The likely result of their low valuations, combined with a landscape in which size matters, is a tried-and-tested response to banking crises over the past four decades: consolidation. America has 4.700 banks and savings institutions, or one for every 71.000 residents. To observers in the EU, which has only one bank for every 85.000 people, that seems excessive.

但市场已经作出判断：美国银行的价值仅与其账面总价值有关，年初时的交易溢价接近40%。它们的低估值，加上对规模的看重，可能导致过去四十年对银行业危机采取久经考验的应对措施：兼并。美国有4.700家银行和储蓄机构，即每71.000名居民中就有一家。对于每85.000人只有一家银行的欧盟观察家来说，这似乎有些过多了。

 

单词

merger /ˈmɜːrdʒər/ n.(公司、组织的)合并;

come into 进入;得到;

relief /rɪˈliːf/ n.(因恐惧、忧虑或痛苦的消除而感到的)宽慰，轻松;(疼痛或不快的)减轻，缓解;

behemoth /bɪˈhiːməθ/ n. 巨兽;巨头(指规模庞大、实力雄厚的公司或机构);

minimal /ˈmɪnɪm(ə)l/ adj. 极小的，极少的;极简的(指短小乐句不断重复并逐渐变化);

release /rɪˈliːs/ vt. 公布，发布;释放，放走;

tempt /tempt/ vt. 引诱，诱惑;怂恿，利诱;冒…的风险;

temporary /ˈtempəreri/ adj. 暂时的，临时的;短期的，短暂的;

incur /ɪnˈkɜːr/ vt. 带来(成本、花费等);招致，遭受;

low-yielding /loʊ ˈjiːldɪŋ/ adj. 低产的;低收益的;

      综上是“2024考研英语同源外刊:美国很快会出现银行合并浪潮”，希望对备战2024考研考生们有所帮助!让我们乘风破浪，终抵彼岸，考研加油!

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