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全文字数：1672字
阅读时间：15分钟
上期翻译答案
Although government agencies such as USFWS make their own determinations while following the requirements laid out in specific laws or regulations, the IUCN methodologyis intended tohelp shepherd discussions about whether to further invest in conserving a particular species, he adds.
他补充说，尽管美国鱼类和野生动物管理局等政府机构在遵循特定法律法规中规定的要求的情形下做出自己的决定，但国际自然保护联盟的方法旨在帮助引导是否进一步在特定物种的保护方面进行投资开展讨论。
1. shepherd: to lead or guide a group of people somewhere, making sure that they go where you want them to go
《本期内容》
双语阅读
It’s never a good sign when “bank collapse” is trending on Twitter.Such was the caseMonday as investorspummeledshares of First Republic Bank and Western Alliance Bancorporation, among several other regional financial institutions. Evidently, they feared that these banks would suffer the same fate as Silicon Valley Bank in Santa Clara, Calif., which was taken over Friday by the Federal Deposit Insurance Corp., and Signature Bank in New York City, which was shut down Sunday by state regulators.
当“银行倒闭”在推特上成为热门话题，从来都不是一个好迹象。周一出现投资者抛售第一共和国银行和西部联合银行等几家地区性金融机构的股票时就属于这种情况。显然，他们担心这些银行会遭遇加州圣克拉拉的硅谷银行和纽约市的签名银行同样的命运。硅谷银行上周五被联邦存款保险公司接管，纽约市的签名银行周日被州监管机构关闭。
The rapid rise in interest rates has been a challenge for banks in general, reducing the value of some of their safest investments. But banking experts say the circumstances thattoppledSilicon Valley Bank and Signature Bank were so unique, and the response from the federal government Monday so aggressive, that depositors in other banks can stay put rather than shifting into crisis mode.
利率快速上涨对所有银行来说都是一个挑战，这会降低它们最安全投资的价值。翻译划线句，长按文末小程序码打卡，答案下期公布~
Is my money safe in the bank? Regardless of how resilient or fragile your bank may be, the answer will be yes for an overwhelming number of people. That’s because federal insurance programs will protect all the money typical Californians havesquirreled awayin a bank or credit union. For each depositor, the FDIC ordinarily insures a total of $250,000 in checking, savings, certificates of deposit and money market accounts at participating institutions. The FDIC’s limit applies to each bank where you do business, so if you have $250,000 at Bank A, $150,000 at Bank B and $300,000 at Bank C, all but $50,000 at Bank C would be automatically insured.
我的钱放在银行安全吗？无论你的银行多么有坚韧又或多么脆弱，对绝大多数人来说，答案都是肯定的。这是因为联邦保险计划将保护加州人存于银行或信用社的所有资金。对于每个储户，联邦存款保险公司通常为支票账户、储蓄账户、定期存账户单和参与机构的货币市场账户提供总计25万美元的保险。联邦存款保险公司的保险限额适用于你开展业务的每一家银行，因此如果你在A银行有25万美元，在B银行有15万美元，在C银行有30万美元，那么除了在C银行多出来的5万美元，所有银行的存款都将自动投保。
For businesses with large payrolls, however, $250,000 can be a real issue. The federal takeover of Silicon Valley Bank on Friday, which temporarily cut off customers’ access to their funds andjeopardizedamounts over $250,000, came just as some companies were about to cover the cost of their bimonthly paychecks. That’s one of the reasons the Biden administration announced Sunday that it was waiving the $250,000 limit and giving customers of the two failed banks access to all the money they’d deposited.
然而，对于需要支付大量工资的企业来说，25万美元可能确实是个问题。上周五，联邦政府接管了硅谷银行，暂时切断了客户获取资金的来源，受到危及的金额超过了25万美元。与此同时，一些公司正准备支付他们的双月工资。这就是拜登政府周日宣布取消25万美元限额的原因之一，这两家倒闭银行的客户可以使用他们存入的所有资金。
The point, according to a joint statement from the Fed, the FDIC and the Treasury Department, was to send a message that strengthens public confidence in the banking system and discourages more bank runs. And that message should be effective, said Jeffrey Ball, the chief executive of the Orange County Business Council and the founder and former CEO of Friendly Hills Bank in Whittier.
根据美联储、联邦存款保险公司和财政部的联合声明，此举是为了传递一个信息，增强公众对银行体系的信心，并阻止更多的银行挤兑。奥兰治县商业委员会首席执行官、惠蒂尔Friendly Hills银行创始人兼前首席执行官杰弗里·鲍尔说，传递出的这一信息应该是有用的。
本文节选自：L.A. Times（洛杉矶时报）
发布时间：2023.03.14
作者：Jon Healey
原文标题：Making sense of Silicon Valley Bank’s failure: What it means for your money
词汇积累
1.pummel
英/ ˈpʌml /美/ ˈpʌml /
vt.击；打；用拳头连续揍
n.（马鞍的）前鞍桥；球壮末端；（刀把或剑柄的）圆头（等于 pommel）
2.topple
英/ ˈtɒp(ə)l /美/ ˈtɑːp(ə)l /
v.（使）不稳而倒下，（使）倒塌；推翻（首领），颠覆（政权）；<美>战胜，打败
3.jeopardize
英/ ˈdʒepədaɪz /美/ ˈdʒepərdaɪz /
v.危及，损害
词组搭配
1.such is the case 确实如此；情况就是这样
2.squirrel away 贮存
写作句总结
原句：The rapid rise in interest rates has been a challenge for banks in general, reducing the value of some of their safest investments.
结构：XXX has been a challenge for sb, XXX.
某件事对某人来说是个挑战，造成了某些后果。
例句：Using public transportation has been a challenge for Mary, causing her to be frequently late for work.
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