考研英語2023雙語閱讀材料：世界首例負(fù)利率貸款

第頁共頁考研英語2023雙語閱讀材料：世界首例負(fù)利率貸款考研英語2023雙語閱讀材料：世界首例負(fù)利率貸款A(yù)Danishbankhaslaunchedtheworld＇sfirstnegativeinterestratemortgage-ndashhandingoutloanstohomeownerswherethechargeisminus0.5%ayear.一家丹麥銀行推出了世界首例負(fù)利率按揭貸款––房貸年利率為-0.5%。Negativeinterestrateseffectivelymeanthatabankpaysaborrowertotakemoneyofftheirhands，sotheypaybacklessthantheyhavebeenloaned.負(fù)利率的意思是，銀行付錢讓借貸者使用資金，貸款人還的錢比借的錢還少。JyskeBank，De____ark＇sthirdlargest，hasbegunofferingborrowersa10-yeardealat-0.5%，whileanotherDanishbank，Nordea，saysitwillbeginoffering20-yearfixed-ratedealsat0%anda30-yearmortgageat0.5%.丹麥第三大銀行日德蘭銀行已經(jīng)開場向借貸者提供年利率為-0.5%的十年期貸款，而另一家丹麥銀行諾底亞銀行將開場提供固定年利率為0%的20年期貸款和年利率為0.5%的30年期貸款。Underitsnegativemortgage，Jyskesaidborrowerswillmakeamonthlyrepaymentasusual-ndashbuttheamountstilloutstandingwillbereducedeachmonthbymorethantheborrowerhaspaid.日德蘭銀行稱，申請負(fù)利率貸款的借貸者將如常支付月供，但余下貸款每月扣除額將多于每月還款額。＂Wedon＇tgiveyoumoneydirectlyinyourhand，buteverymonthyourdebtisreducedbymorethantheamountyoupay，＂saidJyske＇shousingeconomist，MikkelH？egh.日德蘭銀行的房產(chǎn)經(jīng)濟(jì)學(xué)家米克歐·赫格說：“我們不會(huì)直接把錢給你，但每個(gè)月你的債務(wù)減少額會(huì)高于你的還款金額?！盩hemortgageispossiblebecauseDe____ark，aswellasSwedenandSwitzerland，hasseenratesinmoneymarketsdroptolevelsthatturnbankingupside-down.這種貸款之所以可行，是因?yàn)樵诘?、瑞典、瑞士這些國家，貨幣市場的利率降幅已經(jīng)讓銀行業(yè)務(wù)出現(xiàn)“倒掛”。H？eghsaidJyskeBankisabletogointomoneymarketsandborrowfrominstitutionalinvestorsatanegativerate，andissimplypassingthisontoitscustomers.赫格說，日德蘭銀行可以以負(fù)利率從貨幣市場和機(jī)構(gòu)投資人那里借到錢，如今只不過是將這種借款方式用于銀行客戶。Buttheflipsideisthatsaverswillseenothingpaidininterestontheirdeposits-ndashandmayalsosufferastheygonegative.不過有利就有弊，儲(chǔ)戶將發(fā)現(xiàn)自己的存款毫無收益，假如變成負(fù)利率的話存款甚至?xí)p少。InSwitzerland，thebankUBSlastweektolditswealthyclientsthatitwouldintroduceachargeof0.6%ayeariftheydepositedmorethan500，000euros.在瑞士，瑞士結(jié)合銀行上周告訴有錢的客戶說，假如他們的存款超過50萬歐元〔約合人民幣392萬元〕，將收取0.6%的年費(fèi)。InDe____ark，interestratesonsavingsdepositedinJyskehavealreadyfallentozero.NowbanksinDe____arkarethinkingoffollowingSwitzerlandandmovingtonegativeratesondeposits.在丹麥，日德蘭銀行的存款利率已經(jīng)降到了0。如今丹麥的銀行正考慮跟隨瑞士的腳步，對(duì)存款實(shí)行負(fù)利率。＂Rightnow，fordepositswedon＇thaveanegativeinterestrate.Butdiscussionsareongoingattheveryhighestlevel.It＇sjustthatnobankherewantstobethefirstmoverintonegativedepositrates，＂saidH？egh.赫格說：“目前我們沒有對(duì)存款實(shí)行負(fù)利率。不過高層正在對(duì)此進(jìn)展討論。問題在于沒有哪家銀行愿意成為第一個(gè)吃螃蟹的人，率先實(shí)行存款負(fù)利率?！盬hiletheBankofEngland＇sbaserateis0.75%，andtheEuropeanCentralBank＇smainrateiszero，inDe____ark〔whichisnotintheeurozone〕theequ