Big US Banks Have Enough Money
美國大型銀行資金充足
Introduction
The Federal Reserve tested 32 big banks. All banks passed the test. They have enough money to stay safe if the economy becomes bad.
聯準會測試了32家大型銀行。所有銀行均通過了測試。即使經濟惡化，它們也有足夠的資金來維持安全。
Main Body
The Federal Reserve imagined a bad economy. In this story, many people lost their jobs. House prices and stock prices went down. Banks would lose a lot of money from loans.
聯準會想像了一種經濟惡化的情境。在這個情境中，許多人失業，房價和股價下跌。銀行將從貸款中損失大量資金。
But the banks are still strong. They have more money than the law requires. A leader at the Federal Reserve says the banks are safe.
但銀行依然強健。它們擁有的資金超過了法律要求。聯準會的一位領導者表示，這些銀行是安全的。
Because the banks are safe, they are giving money back to their owners. Some banks, like JPMorgan Chase and Goldman Sachs, are paying more money to their shareholders.
由於銀行安全，它們正將資金回饋給所有者。部分銀行，如摩根大通和高盛，正向其股東支付更多資金。
Conclusion
US banks have plenty of money. They can pay their owners and wait for new rules.
美國銀行資金充裕。它們可以向所有者支付款項並等待新規定。
Vocabulary Learning
The 'Safe' Pattern
Look at how we describe things that are okay or secure:
- The banks are safe.
- Stay safe.
How it works:
We use Subject + be (am/is/are) + safe.
Simple Examples:
- The money is safe.
- The people are safe.
'Enough' vs 'More Than'
When we talk about quantity in the text:
-
Enough = You have what you need. (Not too much, not too little). Example: They have enough money.
-
More than = You have extra. (A bigger amount than the limit). Example: They have more money than the law requires.
Quick Tip: Use Enough for the minimum and More than for a surplus.