金融英語(yǔ)泛讀:金融危機(jī)中崛起的產(chǎn)業(yè)——典當(dāng)行

Pawnbroking—A Rising Industry in Financial Crisis金融危機(jī)中崛起的產(chǎn)業(yè)——典當(dāng)行

When economic times are tough, it is generally thought that the pawnbroking industry booms-after all, gold and cheap loans are tempting for credit crunchers.

Lynda Damario, regional director of Albemarle&Bond said：“There are increasing numbers of people from all walks of life who are finding themselves in a situation where the banks are unable to help so our business is growing.”

That reluctance by banks to lend has helped earn the UK's biggest pawnbroker a 47 percent rise in profits.

At a time when the price of gold is rising in value it is probably unsurprising that sales of second hand jewellery accounted for 75 percent of the firm's total sales.

Harvey&Thompson, one of Britain's biggest pawnbrokers has seen business increase by 11 percent in recent months and said this is all due to gold-and people coming in to sell their jewellery-not from people simply pawning items.

A spokeswoman for H&T, said that consumers are more aware of the idea of selling their possessions because of the popularity of online auctions.“It's the eBay effect. People are more aware now that they can raise cash by selling things they don't need.”

Pawnbrokers give customers money in return for an object which is held as security until the customer pays off the loan plus any interest charges. No credit checks are needed and, once the item is valued and a rate of interest agreed, the customer can leave with the money.Jewellery and watches are“pledged”most often.

According to the National Pawnbrokers Association, around 88 percent of pledged goods are redeemed. But what if the worst happens and you are unable to pay for the item at the end of the loan period?

You can usually extend the length of time of borrowing. If you cannot do this, as a last resort, the pledge will get sold off, but it is generally not in the pawnbroker's interest to do so, particularly as many of them thrive on repeat customers.

經(jīng)濟(jì)不景氣的時(shí)候，典當(dāng)業(yè)卻普遍被看好，因?yàn)樗峁┑慕饍r(jià)和低息貸款在信貸緊縮的時(shí)候著實(shí)誘人。

埃邦典當(dāng)公司的地區(qū)經(jīng)理林達(dá)·達(dá)馬里奧說(shuō)：“越來(lái)越多的各行各業(yè)的人陷入困境，銀行幫不了他們，于是我們的生意就好了很多?！?/p>

正是銀行的惜貸使得這個(gè)英國(guó)最大的典當(dāng)公司的利潤(rùn)增長(zhǎng)了47%。

如今黃金價(jià)格上揚(yáng)，典當(dāng)手里的珠寶不足為奇，這塊占到了公司所有銷售業(yè)務(wù)的75%。

另一家英國(guó)大型典當(dāng)公司哈維湯普森也表示，近幾個(gè)月生意量增加了11%。不是簡(jiǎn)單的物品典當(dāng)，而是由于金價(jià)上漲，人們開(kāi)始典當(dāng)手里的珠寶。

哈維湯普森的一名發(fā)言人說(shuō)，由于網(wǎng)上拍賣(mài)的日益流行，典當(dāng)被越來(lái)越多的人接受。“這就是‘eBay效應(yīng)’。更多的人認(rèn)同出售自己的閑置物品來(lái)?yè)Q取現(xiàn)金?！?/p>

光顧當(dāng)鋪的人將物件作為抵押，當(dāng)鋪給出現(xiàn)金，直到典當(dāng)人償還本金和利息（償還后可贖回抵押）。典當(dāng)人不需經(jīng)過(guò)信用檢查，只需交易雙方就典當(dāng)品價(jià)值和利息達(dá)成一致，典當(dāng)人即可換得現(xiàn)金。珠寶和手表是最常見(jiàn)的典當(dāng)品。

據(jù)英國(guó)全國(guó)典當(dāng)協(xié)會(huì)統(tǒng)計(jì)，大約88%的典當(dāng)品都被贖回。但是，如果發(fā)生什么不幸，你在典當(dāng)期內(nèi)無(wú)力贖回抵押品該怎么辦呢？

通常你可以延長(zhǎng)贖回期。若到期你仍不能償還，典當(dāng)行最終將會(huì)出售抵押品。但是典當(dāng)商這么做是不得已而為之的，因?yàn)樗麄兲貏e依賴從回頭客身上賺錢(qián)。

實(shí)戰(zhàn)提升

核心單詞

boom[bu:m]v./n.激增，暴漲

auction['?k???n]n.拍賣(mài)

redeem[ri'di:m]v.買(mǎi)回；贖回

extend[ik'stend]v.伸展；擴(kuò)大；延續(xù)

pledge[pled?]n.抵押品，典當(dāng)品

財(cái)經(jīng)知識(shí)一點(diǎn)通

典當(dāng)行（pawnbroking）

亦稱當(dāng)鋪，是專門(mén)發(fā)放質(zhì)押貸款的邊緣性金融機(jī)構(gòu)，是以貨幣借貸為主和商品銷售為輔的市場(chǎng)中介組織。

信貸緊縮（credit crunch）

一般來(lái)說(shuō)，信貸緊縮是指經(jīng)營(yíng)貸款的金融機(jī)構(gòu)提高貸款標(biāo)準(zhǔn)，以高于市場(chǎng)利率水平的條件發(fā)放貸款，甚至不愿發(fā)放貸款，從而導(dǎo)致信貸增長(zhǎng)下降，信貸資金難以滿足社會(huì)再生產(chǎn)的合理需求的現(xiàn)象。

翻譯練習(xí)

When economic times are tough, it is generally thought that the pawnbroking industry booms-after all gold and cheap loans are tempting for credit crunchers.

Pawnbrokers give customers money in return for an object which is held as security until the customer pays off the loan plus any interest charges.

According to the National Pawnbrokers Association, around 88 percent of pledged goods are redeemed.