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1、RationalConsumption－理性消費－（Listened&InterpretedbyK.Chen/陳懇聽譯）參考聽譯:注:1.此英漢譯文為教師個人聽譯后整理的資料,僅供參考.2.某些片斷中文翻譯得欠自然.順暢，這是由于同聲傳譯的特殊性所致,即譯員不大可能預(yù)知原語講話者將要說出的內(nèi)容，因而迫使譯員盡量保持與原語有相似的語序結(jié)構(gòu)。LFF:Hello,welcometothiseditionof“Dialogue”,I’mLiuFeifei.Chinaisstillalargenationofsavings,howeverthisisbegin
2、ningtochange,asthebanksareofferingmorecreditoptionstotheconsumers.While????.morebadloans,and???debtorshadover???anddebt.Joinmetodiscusstheissueofrationallendingandrationalconsumption,wearepleasedtohaveDr.Li,heistheprof.ofeconomicsattheschoolofeconomicsandmanagementofQinghuaUniv
3、ersity,IamalsoverypleasedtohaveMr.LiYong,heisthedeputesecretarygeneralofChinaassociationofInternationaltrade.Gentlemen,welcometodialogue.大家好，歡迎來到這一期的《對話》節(jié)目，我是劉菲菲。中國仍是儲蓄大國，然而這在變化中，因為銀行向消費者提供了更多的信用選擇。???今天我們榮幸請到了兩位嘉賓來討論理性貸款和消費的問題，一位是李博士，清華大學(xué)的經(jīng)濟與管理學(xué)教授，一位是李永先生，他是中國國際貿(mào)易聯(lián)合會的副秘書長。歡迎來到
4、《對話》節(jié)目。Todaywearetalkingaboutveryinterestingtopic,thatisareflectionofoursocialphenomenonthat’stakingplacethesedays,andthatisthequestionof:whyisthat…afewyearsago,weChinesepeopleweremakingverylittlemoney,whilesavingbigchunkofit.Yettoday,astheincomeincreased,doubled,quadrupled,gro
5、wingevenbeyondthat,insomecases,saving’srateisevendecliningoverall.今天我們討論一下一個有趣的話題，它反映了我們社會發(fā)生的一個現(xiàn)象，即為什么多年以前，我們中國人掙錢不多，卻能存一大筆，反觀今日，雙倍收入，四倍收入或更多，儲蓄卻總的來說在下降？Prof.Li:Well,actually,itdependsonhowwedefinethesavingsrate.Ifitisdefinedastherateoftotalconsumption,includinginvestment,inves
6、tmentintherealestate,dividedbythetotalincome,surelythesaving’sratehasnotbeenveryhighbasically,right?Becauseafewyearsago,wedidnotcounttheinvestmentintherealestateasthesaving,right?Nowadaysdays,wecountthat…,thisisactuallytricky,sometimescountedassaving,sometimescountedasconsumpti
7、on,sothatreallydependsonhowwetreatrealestateinvestment.這主要是看儲蓄率是如何定義的。如果定義為總的消耗率，包括投資，房地產(chǎn)投資，除以總收入，當(dāng)然儲蓄率不會很高，是吧？因為若干年前，我們不把房地產(chǎn)投資當(dāng)作儲蓄。今天，有些復(fù)雜，它有時被當(dāng)作儲蓄，有時當(dāng)作消費，所以就看你怎樣將房地產(chǎn)投資視為哪一類。LFF:Howisthattheninothercountries?那么其它國家是怎樣分類的呢？Prof.Li:IntheUS,inthewesterncountries,Ibelievethatpeopl
8、ecountrealestateinvestmentlikemortgageaspartofconsumpt
