推 Minilogo:女2那段我也翻得很心虛...看到你的翻譯我豁然開朗啊:) 04/19 10:26
推 Minilogo:underwriting我會再深入了解一下 degree沒有想到要翻成 04/19 10:30
→ Minilogo:學位 其實一開始看到學生和學貸那句我覺得沒什麼差 但看 04/19 10:33
→ Minilogo:到後來的解釋我發現差很大= = 謝謝你的用心回答:DDD 04/19 10:34
※ 引述《Minilogo ()》之銘言：
: Is Student Loan Debt Forgiveness a Good Idea?
: FEMALE 1: Going to college has become part of, like, a necessity for everyone,
: that the government sould be able to pay their part in order for everyone
: to be able to go.
: FEMALE 2: The idea of taxpayers, sort of, forgiving the debt is a good idea
: in principle, but in practice i'm not ready sure how they'd carry that out.
: 女性 1: 現在上大學對每個人好像都是必要的，所以政府應負擔一部份讓每個人都承擔的
: 起。
: 女性 2: 納稅人的概念，有點...，減免債務原則上是個好想法，但實際上我不很確定他
: 們要如何實施。
個人讀女2的句子是:
The idea of [taxpayers... forgiving the debt] is a good idea in principle...
你寫的好像女2對「納稅人」這個概念不清楚 XD
我個人會翻成 「要納稅人直接說不用還，原則上是個好想法。。。」
: PROFESSOR DANIEL LIN: Student loan debt has reached an all-time high, placing
: a great strain on many young graduates. This has led some to propose debt
: forgiveness as a way to help the needy. Would debt forgiveness achieve this
: goal? I'd say no, for two reason. First of all it would only be a temporary
: solution to help currently indebted students. It wouldn't change what got
: those students into debt in the first place. It wouldn't prevent future
: students from taking on even more debt. And it wouldn't reduce the pressures
: causing tuitions to rise. second, forgiving the debt doesn't magically make it
: go away: the government, meaing taxpayers, would be forced to pay it.
: 學貸已到了前所未有的高度，並對許多年輕畢業生造成龐大的壓力。這也導致一些人題
: 議債務減免作為幫助此需求的方法。債務減免可以達到這個目標嗎? 我會說不行，有兩
: 個理由。第一，它對於目前負債中的學生只是個暫時性的解決方案。它首先不會改變使
: 學生陷入債務的真正原因。它沒辦法預防未來的學生過度舉債。促使學費上漲的壓力也
: 不會減少。第二，債務減免並不代表債務就這麼神奇的消失: 政府也就是納稅人，將被
: 迫償還這些債務。
: With our enormous national debt, that's pretty hard to justify, especially
: since college graduates, on the whole, are one of the more privileged groups
: in the country. After all, college graduates have higher wages and a lower
: unemployment rate than the national average. Plus, they have already
: benefited from government subsidies in the form of grants, tax credits,
: subsidized tuition, and subsidized loans. Forgiving the debt of college
: graduates would be giving money to a group that's already relatively well off.
: 在現存龐大的國債下，這真的很難來評斷，特別是因為整體而言，大學畢業生是
: 國家中比較幸運的一群。畢竟他們相對於全國平均有更高的薪資水準和更低的失
: 業率。再者，他們已從政府的補貼，以獎學金、稅額減免、補貼學費、補貼貸款
: 的形式中受益。減免大學畢業生的債務會相當於拿錢給已經相對富裕的人。
: Of course, many college graduates are still struggling to find jobs and pay
: back their loans. But instead of debt forgiveness there's another reform that
: would give relief to those carring large amounts of student debt. Under current
: law, all student loans, public and private, are non dischargeable. This means
: that unlike all other types of loans, borrowers cannot get rid of their student
: debt through bankruptcy. the government will get it back by taking your tax
: refund, denying federal benifits, and garnishing your paycheck. This makes
: lenders less careful about who receives student loans. There are no credit
: checks, no underwriting, and no collateral, as there would be for virtually any
: other loan-approval process. Students are offered loans even if they use the
: funds for a degree with little market value. Why be choosey if a loan is
: guaranteed?
: 當然，許多大學畢業生還是很難找到工作並償還他們的債務。但撇開債務減免這個方法，
: 還有另一種改良的方式可以救濟那些背負龐大學貸的人。在現行法律下，不管是公共或
: 私人的學貸，都是不可免除的。這表示不像所有其他類型的債務，借款者無法因為破產而
: 擺脫它。政府會收回你的退稅，拒絕提供社會補助，也會扣除你的薪水。這使得借款人更
: 不關心誰可得到借款。不檢查信用，沒有保險，也沒有抵押，實質上如同沒有任何其他的
^^^^^^^^
underwriting 不僅是保險 (很多時候跟保險無關)
這裡我會翻成「不檢查信用，不核查條件，甚至不需抵押，其他貸款都需經歷的審查程序
這裡一概沒有」
: 貸款核准程序。就算學生只有低市值的資金他也能得到借款。如果保證能回收，那何必
^^^^^^^^^^^^^^^^
degree with low market value 低市值的學位，講難聽點就是畢業後賺不到錢來還債
的學位
: 這麼挑剔呢?
: One way to fix this is by allowing student loans to be discharged in bankrupty.
: Lenders could no longer use the government as collection agency. Bad loans
: would become a problem for the lenders, who would then have better incentives
: to be careful with their loans. This would lead to fewer loans or loans with
: higher interest rates. This may sound bad for barrowers, but it'd be important
: for giving borrowers the right incentives as well. Instead of taking on debt
: before thinking through the repercussions, they'd have to have a plan for
: paying them back. Finally, with fewer loans being givin out, colleges would
: have less fuel for tuition increases and feel greater pressure to control their
: costs.
: 一項解決的方法是允許學生在破產後可以免除債務。借款人不可再把政府當作
^^^^
這裡不是學生，是學貸。一般文章提這個有點吹毛求疵，但在其他精準要求較高的文件
這可是個嚴重錯誤。今天法條如果從善如流改成學貸可經由破產程序減免，被你
變成學生可經由破產程序減免貸款，那我身背學貸但不是學生 (畢業了) 怎麼辦 XD
: 討債公司。呆帳可能成為借款人的問題，接著他們會對放款更加的謹慎。這會
^^^^將
: 導致更少的放款和更高的利率。這聽起來對借款者是個壞消息，但給借款人正確
: 的動機也很重要。與其考慮到後果前就先舉債，他們必須有個償還計畫。最後，
: 當更少的貸款被放出時，大學也會有更低的誘因來增加學費。它們對於控制支出
^^^^^^^^^這一句中文不太通順，但我就不獻醜了
: 也會有更大的壓力。
: Student debt forgiveness may be a tempting idea, but it would just
: shift the burden onto taxpayers while doing nothing to address the
: fundamental causes of tuition increases and mounting student debt. Making
: student debt dischargable in bankruptcy is a good first step toward reform
: that would better address the concerns of students both now and in the future.
: 學貸減免可能是個誘人的主意，但它只是當對於找到學費高漲的原因沒有任何動作，
: 和增加學貸時，把負擔轉移到納稅人身上而已。讓學生在破產時免除債務是改革好的
: 第一步，這可以更好的滿足和現在和未來學生有關的重要事情。
還蠻生硬的
: ---------------------------------------------------------------------
: 這是影片連結:
: https://www.youtube.com/watch?v=O7Q1UfWYQkQ
: 有關經濟的專有名詞很多，也查不太到，像 federal benifit 我只找到是社會補助
: 相關的東西，還有 grant、tax credit、subsidized tuition、subsidized loan
: 那一長串，我只有 subsidized loan 有在國家教育研究院找到，其他都是大陸或
: 我自己覺得的翻法，如果有正確的譯名的話，請麻煩告訴我；還有翻譯不順或根本
: 錯誤的也盡量糾正我，謝謝大家!
就先醬~
--
'Cause it's a bittersweet symphony, this life
Trying to make ends meet, You're a slave to money then you die
-Bittersweet Symphony, The Verve
--
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◆ From: 70.166.3.190
※ 編輯: tengharold 來自: 70.166.3.190 (04/19 02:08)