Alistair Darling in £50bn gamble to aid banks阿利斯泰爾達林在500英鎊的賭注，以幫助銀行
Monday, April 21st, 2008 週一， 2008年4月21日 
By 通過 Robert Winnett 羅伯特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.阿利斯泰爾達林將推出前所未有的計劃，以提供£ 50億元，納稅人支持的貸款，以高街的按揭貸款，今天在試圖解決信用危機。
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.施羅德希望有關現金注資-歷來最大的由英倫銀行-將導致更便宜的按揭交易和停止住房市場的進一步下滑。
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Under the controversial scheme, the Bank will loan money to banks and building societies in return for potentially risky mortgage debts.根據引起爭議的計劃，該銀行將貸款向銀行和建設的社會回報，潛在的風險抵押債務。 If the housing market fell and borrowers defaulted on their mortgages, taxpayers could be left nursing losses.如果房屋市場的下跌和借款人拖欠他們的抵押貸款，納稅人可留給護理的損失。
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.總面積的貸款預計將在£ 50億元，但官員表示，他們準備借更多，促使擔心納稅人的暴露可能會上升。
Ministers believe the scheme is essential and will allow lenders to offer more competitive deals for borrowers.部長們相信該計劃是必不可少的，並允許貸款人提供更具競爭力的待遇，為借款人。 Gordon Brown has been closely involved in drawing up the package.財政大臣布朗一直緊密參與制定了方案。
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”.貸款是作為短期措施，歷時長達三年，和政府消息人士說，銀行“要保證這筆錢是返回” 。
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.大規模的救助感到震驚，一些反對黨國會議員和正值個月後國有化的Northern Rock的，這暴露了納稅人高達£ 100億元的負債。
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.卡特電纜，自由民主黨的英國財政部的一位發言人說： “這是必要的應採取的行動要解鎖按揭市場，並打破癱瘓的影響，信貸緊縮。
“However, we cannot have a situation where the banks are able to privatise their profits and nationalise their losses. “不過，我們不能有一個情況下，銀行可以向私有化他們的利潤和收歸國有，他們的損失。 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.由於抵押貸款從銀行劣勢的質量和較高的風險比政府債券，言下之意，必須是納稅人承擔的風險和損失的銀行。 This cannot be right.”這可以是不正確的“ 。
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.”保守黨原則上支持這項建議，但喬治奧斯本的陰影，校長，說： “解鎖金融體系和越來越英倫銀行為此掉期，在那裡，基本上是採取對一些按揭貸款的回報，相當於現金從債券，是一個好主意，但我們必須要確保納稅人的保護“ 。
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.根據計劃，以推出今天上午，英倫銀行將掉期國庫券，抵押貸款和其他債務的抵押品，從銀行。 The total size of the loans will be dictated by demand.總面積貸款將取決於需求。
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.由於全球信用危機開始於去年夏天，各銀行已成為擔心貸款到另一個並呼籲對英國央行提供了大量的額外的錢，在形式的政府貸款。
Previously, the Bank has agreed to lend money only in return for high-quality assets such as Government gilts.以前，該銀行已同意借錢，只有在以換取高品質的資產，如政府母豬。 However, it has extended the collateral it will accept for the scheme to mortgages and even credit card debts.但是，延長的抵押品，它會接受該計劃，以抵押貸款，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.達林先生將發表一項聲明，向議會今午將會見該國的主要抵押貸款機構，明天，當他預計，敦促他們建立對政府的干預。
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.他將討論的可能性，人處於危險的失責所提供的“按揭假期”或靈活的抵押貸款，讓他們underpay了數個月前，具有較高的補償金時，條件的改善。
In an interview with the BBC yesterday, Mr Darling said the economic turmoil had created an “unprecedented shock to the system”.在一次採訪中與英國廣播公司昨天，達林說，經濟動盪創造了一個“前所未有的衝擊系統” 。
“What it [the scheme] will do is effectively lend banks money to un-freeze the situation,” he said. “是什麼[計劃]將要做的是有效地借給銀行的錢向聯合國凍結的情況， ”他說。
“We are trying to un-bung that situation so that the Bank will be making money available to the British banking system. “我們正在努力向聯合國bung這種情況下，使該銀行將賺錢，可向英國的銀行體系。 It’s got to be repaid, and we will take securities in return for it.它的到了償還的，我們將採取的證券的回報。
“The idea is that it will open up the market and begin the process of opening up the mortgage market, which will help householders. “我們的構想是，它將開放市場，並開始的過程中開闢了按揭貸款市場，這將有利於住戶。 We believe that this will be an essential step in trying to get the financial market stabilised.”我們相信，這將是一個重要的步驟，試圖獲得金融市場的穩定“ 。
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”.上週，出現了蘇格蘭皇家銀行，英國的第二大貸款人，將尋求提高到120.00億英鎊，由股東在“人權問題” 。 Mr Darling indicated that he expected to see “much, much more of that”.議員達林表示，他期望看到“ ，還有更多” 。
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.他說，他希望銀行的“通行證上的好處，三減息”以下的批評，認為成本的按揭貸款已上升，儘管在削減基本利率。
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.貸款推出的今天，這將有興趣的重視，他們將償還在一年內，雖然安排，可以延期可長達三年。 There will be a “haircut” between the value of the government loan and the value of the mortgages offered in return.會有一個“理髮”之間的價值，政府貸款和價值的抵押貸款所提供的回報。 For example, the Bank may offer £1 in taxpayer-backed loans for every 80p or 90p in mortgage debt.例如，銀行可能會提供1英鎊在納稅人支持的貸款為每80p或90p在抵押貸款債務。 The gap will vary depending on the perceived quality of the mortgages being offered.差距將取決於知覺質量的抵押貸款所提供的。 Banks would have to put up greater amounts for credit card and sub-prime mortgage debt.銀行將要忍受更大的金額，信用卡和亞總理抵押貸款債務。
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.今天公佈的一項研究是由安永項目的俱樂部，經濟預測小組預測，房價會下跌百分之十，和有多少人運動家將下降40 ％ ，在未來兩年。
Another study found that asking prices for properties fell in two-thirds of England and Wales in the past month.另一項研究發現，要價為性能下降，有三分之二的英格蘭和威爾斯在過去的一個月。
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.平均要價下跌僅上升0.1 ％ ，至239521英鎊，但這個數字嚴重的變相降價，在該國部分，根據rightmove ，物業的網站。
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，銷售商就敲門小康7529英鎊，平均和那些在埃塞克斯砍掉了8289英鎊從他們的要價。
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.瀑布是顯著的，因為這是第一次自rightmove開始其調查六年前，分別錄得下跌，四月-一個月，通常預示著開始內務-銷售季節。
See More: 看到更多的： Money 金錢 UK News 英國新聞Have Your Say: Alistair Darling in £50bn gamble to aid banks 你說：阿利斯泰爾達林在500英鎊的賭注，以幫助銀行
Please note, only selected comments will be published.請注意，只有選定的評論將出版。
2 Responses to “Alistair Darling in £50bn gamble to aid banks” 2反應“阿利斯泰爾達林在500英鎊的賭注，以幫助銀行”
Neil 尼爾
Posted: Apr 21st, 2008 at 7:38 am | 發布時間： 2008年4月21日在上午07時38分| Link to this 鏈接到本Aldo 阿爾多
Posted: Apr 21st, 2008 at 1:50 pm | 發布時間： 2008年4月21日在下午1時50分| Link to this 鏈接到本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!!!的時間是未來的地方人民的英國將不得不團結起來，推翻這個嘲弄政府…骯髒的雜種是刺傷人民群眾在後面…其時間，做一些它！
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Question…..問題… ..
there are 60,776,238 people in the UK…now much each would you like us to give?有60776238人，在英國…現在很多，每個您希望我們給？