贪婪之梦23-英语听力mp3下载无损flac下载
贪婪之梦23-英语听力在线试听免费歌词下载
[00:00.30]
[00:01.66]So why do people scraping by on just ￡5.90 a day pay such horrendous interest on loans?
为什么这些每天仅靠5.9英镑勉强糊口的人，愿意贷款支付数额如此惊人的利息呢？ [00:09.31]These, surely, are loans you'd be mad not to default on.
显然，想不拖欠这些贷款是很难的 [00:13.89]Here in Glasgow, defaulting on your loan is highly inadvisable
在格拉斯哥，拖欠贷款非常不明智的 [00:20.06]You won't literally lose a pound of flesh
虽然你不会真的失去一磅肉 [00:23.07]but grievous bodily harm isn't an unknown consequence of letting down the loan shark.
但因得罪高利贷者而重伤致残的事情屡有发生 [00:31.01]Quite simply, individual loan sharks have to be rapacious and ruthless
原因非常简单，每个放高利贷者都唯利是图，残暴无情 [00:36.11]because the costs to them of even a single defaulter are so high
因为对他们来说，每一份违约的成本都很高 [00:43.80]And that explains why, from Renaissance Italy to modern Scotland, the moneylender is so often a hated figure
这也是为什么从文艺复兴时期的意大利到现在的苏格兰，放贷人一直都是个被人憎恨的角色 [00:52.00]He's providing a service, but at a socially unacceptable price.
他的确提供了服务，但却要价高昂，社会无法接受 [01:00.00]So how did lenders learn to overcome this fundamental problem?
那么贷款人是如何解决这一根本问题的呢？ [01:04.20]If they were too generous, they didn't make any money.
他们如果过于慷慨，就无法获利 [01:06.90]But if they were too hard-nosed, borrowers would eventually default
可如果过于强硬 借款人最终还是会违约 [01:11.23]The answer was to get bigger and more powerful
答案就在于，要做大做强 [01:15.02]It was time to invent banks
于是，银行应运而生 [01:18.33]
为什么这些每天仅靠5.9英镑勉强糊口的人，愿意贷款支付数额如此惊人的利息呢？ [00:09.31]These, surely, are loans you'd be mad not to default on.
显然，想不拖欠这些贷款是很难的 [00:13.89]Here in Glasgow, defaulting on your loan is highly inadvisable
在格拉斯哥，拖欠贷款非常不明智的 [00:20.06]You won't literally lose a pound of flesh
虽然你不会真的失去一磅肉 [00:23.07]but grievous bodily harm isn't an unknown consequence of letting down the loan shark.
但因得罪高利贷者而重伤致残的事情屡有发生 [00:31.01]Quite simply, individual loan sharks have to be rapacious and ruthless
原因非常简单，每个放高利贷者都唯利是图，残暴无情 [00:36.11]because the costs to them of even a single defaulter are so high
因为对他们来说，每一份违约的成本都很高 [00:43.80]And that explains why, from Renaissance Italy to modern Scotland, the moneylender is so often a hated figure
这也是为什么从文艺复兴时期的意大利到现在的苏格兰，放贷人一直都是个被人憎恨的角色 [00:52.00]He's providing a service, but at a socially unacceptable price.
他的确提供了服务，但却要价高昂，社会无法接受 [01:00.00]So how did lenders learn to overcome this fundamental problem?
那么贷款人是如何解决这一根本问题的呢？ [01:04.20]If they were too generous, they didn't make any money.
他们如果过于慷慨，就无法获利 [01:06.90]But if they were too hard-nosed, borrowers would eventually default
可如果过于强硬 借款人最终还是会违约 [01:11.23]The answer was to get bigger and more powerful
答案就在于，要做大做强 [01:15.02]It was time to invent banks
于是，银行应运而生 [01:18.33]
