Alistair Darling in £50bn gamble to aid banks阿利斯泰尔达林在500英镑的赌注，以帮助银行
Monday, April 21st, 2008 周一， 2008年4月21日 
By 通过 Robert Winnett 罗伯特winnett
Alistair Darling will unveil an unprecedented scheme to offer £50 billion in taxpayer-backed loans to high street mortgage lenders today in an attempt to solve the credit crisis.阿利斯泰尔达林将推出前所未有的计划，以提供£ 50亿元，纳税人支持的贷款，以高街的按揭贷款，今天在试图解决信用危机。
The Chancellor hopes that the cash injection - the biggest ever by the Bank of England - will lead to cheaper mortgage deals and stop the housing market slipping further.施罗德希望有关现金注资-历来最大的由英伦银行-将导致更便宜的按揭交易和停止住房市场的进一步下滑。
 | |
Under the controversial scheme, the Bank will loan money to banks and building societies in return for potentially risky mortgage debts.根据引起争议的计划，该银行将贷款向银行和建设的社会回报，潜在的风险抵押债务。 If the housing market fell and borrowers defaulted on their mortgages, taxpayers could be left nursing losses.如果房屋市场的下跌和借款人拖欠他们的抵押贷款，纳税人可留给护理的损失。
The total size of the loans is expected to be £50 billion but officials said they were prepared to lend more, prompting fears that the taxpayers’ exposure may rise.总面积的贷款预计将在£ 50亿元，但官员表示，他们准备借更多，促使担心纳税人的暴露可能会上升。
Ministers believe the scheme is essential and will allow lenders to offer more competitive deals for borrowers.部长们相信该计划是必不可少的，并允许贷款人提供更具竞争力的待遇，为借款人。 Gordon Brown has been closely involved in drawing up the package.财政大臣布朗一直紧密参与制定了方案。
The loans are intended as a short-term measure lasting for up to three years and government sources say the banks “have to guarantee the money is returned”.贷款是作为短期措施，历时长达三年，和政府消息人士说，银行“要保证这笔钱是返回” 。
The scale of the bailout alarmed some opposition MPs and comes just months after the nationalisation of Northern Rock, which exposed the taxpayer to as much as £100 billion in liabilities.大规模的救助感到震惊，一些反对党国会议员和正值个月后国有化的Northern Rock的，这暴露了纳税人高达£ 100亿元的负债。
Vince Cable, the Liberal Democrat Treasury spokesman, said: “It is necessary for action to be taken to unblock the mortgage market and to break the crippling effects of the credit crunch.卡特电缆，自由民主党的英国财政部的一位发言人说： “这是必要的应采取的行动要解锁按揭市场，并打破瘫痪的影响，信贷紧缩。
“However, we cannot have a situation where the banks are able to privatise their profits and nationalise their losses. “不过，我们不能有一个情况下，银行可以向私有化他们的利润和收归国有，他们的损失。 Since the mortgages from the banks are of inferior quality and higher risk than the government bonds, the implication must be that taxpayers are shouldering the risks and losses of the banks.由于抵押贷款从银行劣势的质量和较高的风险比政府债券，言下之意，必须是纳税人承担的风险和损失的银行。 This cannot be right.”这可以是不正确的“ 。
The Conservatives support the proposal in principle but George Osborne, the shadow chancellor, said: “Unblocking the financial system and getting the Bank of England to do this swap, where it is basically taking on some mortgages in return for the equivalent of cash from the bonds, is a good idea but we have got to make sure the taxpayer is protected.”保守党原则上支持这项建议，但乔治奥斯本的阴影，校长，说： “解锁金融体系和越来越英伦银行为此掉期，在那里，基本上是采取对一些按揭贷款的回报，相当于现金从债券，是一个好主意，但我们必须要确保纳税人的保护“ 。
Under the plans, to be unveiled this morning, the Bank of England will swap Treasury bills for mortgage debts and other collateral from the banks.根据计划，以推出今天上午，英伦银行将掉期国库券，抵押贷款和其他债务的抵押品，从银行。 The total size of the loans will be dictated by demand.总面积贷款将取决于需求。
Since the global credit crisis began last summer, banks have become wary about lending to one another and have called on the Bank of England to provide large amounts of extra money in the form of Government loans.由于全球信用危机开始于去年夏天，各银行已成为担心贷款到另一个并呼吁对英国央行提供了大量的额外的钱，在形式的政府贷款。
Previously, the Bank has agreed to lend money only in return for high-quality assets such as Government gilts.以前，该银行已同意借钱，只有在以换取高品质的资产，如政府母猪。 However, it has extended the collateral it will accept for the scheme to mortgages and even credit card debts.但是，延长的抵押品，它会接受该计划，以抵押贷款，甚至信用卡欠款。
Mr Darling will make a statement to Parliament this afternoon and will meet the country’s main mortgage lenders tomorrow, when he is expected to urge them to build on the Government’s intervention.达林先生将发表一项声明，向议会今午将会见该国的主要抵押贷款机构，明天，当他预计，敦促他们建立对政府的干预。
He will discuss the possibility of people at risk of defaulting being offered “mortgage holidays” or flexible mortgages allowing them to underpay for a few months before compensating with higher payments when conditions improve.他将讨论的可能性，人处于危险的失责所提供的“按揭假期”或灵活的抵押贷款，让他们underpay了数个月前，具有较高的补偿金时，条件的改善。
In an interview with the BBC yesterday, Mr Darling said the economic turmoil had created an “unprecedented shock to the system”.在一次采访中与英国广播公司昨天，达林说，经济动荡创造了一个“前所未有的冲击系统” 。
“What it [the scheme] will do is effectively lend banks money to un-freeze the situation,” he said. “是什么[计划]将要做的是有效地借给银行的钱向联合国冻结的情况， ”他说。
“We are trying to un-bung that situation so that the Bank will be making money available to the British banking system. “我们正在努力向联合国bung这种情况下，使该银行将赚钱，可向英国的银行体系。 It’s got to be repaid, and we will take securities in return for it.它的到了偿还的，我们将采取的证券的回报。
“The idea is that it will open up the market and begin the process of opening up the mortgage market, which will help householders. “我们的构想是，它将开放市场，并开始的过程中开辟了按揭贷款市场，这将有利于住户。 We believe that this will be an essential step in trying to get the financial market stabilised.”我们相信，这将是一个重要的步骤，试图获得金融市场的稳定“ 。
Last week, it emerged that Royal Bank of Scotland, Britain’s second biggest lender, would seek to raise up to £12 billion from its shareholders in a “rights issue”.上周，出现了苏格兰皇家银行，英国的第二大贷款人，将寻求提高到120.00亿英镑，由股东在“人权问题” 。 Mr Darling indicated that he expected to see “much, much more of that”.议员达林表示，他期望看到“ ，还有更多” 。
He said he wanted banks to “pass on the benefits of the three interest rate cuts” following criticism that the costs of mortgages had risen despite reductions in the base rate.他说，他希望银行的“通行证上的好处，三减息”以下的批评，认为成本的按揭贷款已上升，尽管在削减基本利率。
The loans to be unveiled today, which will have interest attached to them, will be repayable in a year, although the arrangement can be rolled over for up to three years.贷款推出的今天，这将有兴趣的重视，他们将偿还在一年内，虽然安排，可以延期可长达三年。 There will be a “haircut” between the value of the government loan and the value of the mortgages offered in return.会有一个“理发”之间的价值，政府贷款和价值的抵押贷款所提供的回报。 For example, the Bank may offer £1 in taxpayer-backed loans for every 80p or 90p in mortgage debt.例如，银行可能会提供1英镑在纳税人支持的贷款为每80p或90p在抵押贷款债务。 The gap will vary depending on the perceived quality of the mortgages being offered.差距将取决于知觉质量的抵押贷款所提供的。 Banks would have to put up greater amounts for credit card and sub-prime mortgage debt.银行将要忍受更大的金额，信用卡和亚总理抵押贷款债务。
Research published today by the Ernst and Young Item Club, the economic forecasting group, predicts that house prices will fall by 10 per cent and the number of people moving home will fall by 40 per cent in the next two years.今天公布的一项研究是由安永项目的俱乐部，经济预测小组预测，房价会下跌百分之十，和有多少人运动家将下降40 ％ ，在未来两年。
Another study found that asking prices for properties fell in two-thirds of England and Wales in the past month.另一项研究发现，要价为性能下降，有三分之二的英格兰和威尔斯在过去的一个月。
The average asking price fell by just 0.1 per cent to £239,521 but this figure disguised severe price cuts in some parts of the country, according to Rightmove, the property website.平均要价下跌仅上升0.1 ％ ，至239521英镑，但这个数字严重的变相降价，在该国部分，根据rightmove ，物业的网站。
In Bedfordshire, for instance, sellers had to knock off £7,529 on average and those in Essex chopped £8,289 from their asking price.在bedfordshire ，例如，销售商就敲门小康7529英镑，平均和那些在埃塞克斯砍掉了8289英镑从他们的要价。
The falls are significant as it is the first time since Rightmove started its survey six years ago that it recorded a fall in April - a month that usually heralded the start of the house-selling season.瀑布是显着的，因为这是第一次自rightmove开始其调查六年前，分别录得下跌，四月-一个月，通常预示着开始内务-销售季节。
See More: 看到更多的： Money 金钱 UK News 英国新闻Have Your Say: Alistair Darling in £50bn gamble to aid banks 你说：阿利斯泰尔达林在500英镑的赌注，以帮助银行
Please note, only selected comments will be published.请注意，只有选定的评论将出版。
2 Responses to “Alistair Darling in £50bn gamble to aid banks” 2反应“阿利斯泰尔达林在500英镑的赌注，以帮助银行”
Neil 尼尔
Posted: Apr 21st, 2008 at 7:38 am | 发布时间： 2008年4月21日在上午07时38分| Link to this 链接到本Aldo 阿尔多
Posted: Apr 21st, 2008 at 1:50 pm | 发布时间： 2008年4月21日在下午1时50分| Link to this 链接到本Reply回复The time is coming where the people of the UK will have to unite and overthrow this mockery of a government… The dirty bastards are stabbing the people in the back… ITS TIME TO DO SOMETHING ABOUT IT!!!的时间是未来的地方人民的英国将不得不团结起来，推翻这个嘲弄政府…肮脏的杂种是刺伤人民群众在后面…其时间，做一些它！
Free Newsletter 免费通讯 
Related News 相关新闻
- Defiant Brown defends his economic record违抗布朗辩护，他的经济纪录
- UK Budget 2008: What it Means to You英国2008年的财政预算案：是什么意思你
- A Generalized Meltdown of Financial Institutions广义崩溃的金融机构
- Banks scourged by falling dollar银行scourged由美元下跌
- Judge: Bank debt collectors behaved like robbers法官：银行债务的行为，收藏家一样，劫匪
Latest Headlines 最新的新闻标题
- Teachers threaten more strikes教师威胁罢工
- FBI: We Warned About Torture of Detainees联邦调查局：我们警告，被拘留者施加酷刑
- US ‘war on terror’ backfiring, says thinktank美国的'反恐战争'回火说， thinktank
- White House Influence Is Cited in Corruption Trial白宫的影响力是引用的贪污审判
- Promotion an ominous sign of possible war with Iran推广是一个不祥的征兆的可能发生的战争与伊朗
- Question For RINF Users: Do You Want a Forum?问题rinf用户：你是否希望有一个论坛？
- Students Skip Class For Obama Event, Get Suspended学生跳过班奥巴马活动，得到暂停
- Olympic protest movement turns its sights on to sponsors奥运抗议运动轮流其着眼于以提案国
- Gitmo Torture Orders Came From The Top关塔那摩酷刑的订单来自顶端
- Feds to require visitors’ fingerprints when they leave US联邦调查局要求旅客的指纹，当他们离开美国
More更多 Breaking News突发新闻
Archive 存档
Question…..问题… ..
there are 60,776,238 people in the UK…now much each would you like us to give?有60776238人，在英国…现在很多，每个您希望我们给？