翻新闻中碰到的问题，哪位英文或者财务专业人士帮忙确认一下？

清咖一杯

This has ramifications for home owners and investors in the banks, which are, on average, leveraged 25 times and only need a circa 5 per cent fall in the value of the assets held on their balance sheets – 60 per cent of which are home loans – to have their equity capital wiped out. My message is: buyers beware.

这将对有贷款的房屋的业主和投资者产生严重后果。他们平均使用25倍的杠杆，只要他们的资产负债表上出现大约5%的资产价格下跌，他们的权益资本将一扫而光，而这其中60%是住房贷款。

craigie

which are, on average, leveraged 25 times and only need a circa 5 per cent fall in the value of the assets held on their balance sheets – 60 per cent of which are home loans – to have their equity capital wiped out

简化一下：only need a circa 5 per cent fall in the value of the assets held on their balance sheets to have their equity capital wiped out

which 应该指银行；银行使用25倍的杠杆（经营），因此只要负债表资产价值下降5%，他们的权益资本将一扫而光。负债表资产价值的5%相当于住房贷款的60%。

我是从句法理解，资产负债表我可不懂。

hotornot

craigie 发表于 2014-4-2 22:54
which are, on average, leveraged 25 times and only need a circa 5 per cent fall in the value of the  ...

咖啡妹妹翻译的很准确。你的版本却是错误的。

不过，25倍杠杆，这个说法可靠吗？4％首付？

craigie

hotornot 发表于 2014-4-2 22:12
咖啡妹妹翻译的很准确。你的版本却是错误的。

不过，25倍杠杆，这个说法可靠吗？4％首付？ ...

你是说which 指的是home owners and investors？

我认为指人一般会用who，而不是用which。

rabbitpoint

craigie 发表于 2014-4-3 10:07
你是说which 指的是home owners and investors？

我认为指人一般会用who，而不是用which。 ...

which 还是指的银行， are leveraged 25 times。准确的意思是从银行那儿获得了25倍的财务杠杆。是一个被动语态，银行不用杠杆，提供杠杆给投资者用

craigie

rabbitpoint 发表于 2014-4-3 09:26
which 还是指的银行， are leveraged 25 times。准确的意思是从银行那儿获得了25倍的财务杠杆。是一个被 ...

那就是说出10万能贷250万？

那应该还是banks are leveraged。。。 and need only。。。，