3月21日午间英语新闻：九成受访者出游意愿强烈 疗愈游迎来商机

>Healing tourism gains popularity in China

九成受访者出游意愿强烈 疗愈游迎来商机

More people have strong desire to travel and the market is seeing more opportunities for healing tourism, which means less tight schedules and more health related projects, bringing joy to the spirit, a new survey shows.
一项新的调查显示，越来越多的人有强烈的出游意愿，市场也看到了疗愈游带来的更多商机，这意味着旅游行程不再紧张，与健康相关的项目也有增加，让人们精神愉悦。

As China optimized their COVID-19 response measures, the pent-up travel demand has been released. About 91.24 percent of respondents to the survey conducted by Chinese financial media outlet Yicai said they have a plan to travel this year. About 60 percent of respondents said they have a plan to travel domestically, while 32.37 percent choose both domestic and outbound tourism this year.
随着中国优化新冠肺炎疫情应对措施，被压抑的旅游需求得到释放。在中国财经媒体第一财经开展的这项调查中，约91.24%的受访者选择今年有出游计划。上述问卷调查还显示，约60%的受访者在今年有国内游计划，32.37%的受访者今年计划国内游和出境游都去。

In terms of tour expenditure, 57.39 percent of respondents said they would prefer 10,000-20,000 yuan per person per single trip, while 32.6 percent choose 5,000-10,000 yuan, according to a survey based on more than 1,200 questionnaires.
根据这项基于1200多份问卷的调查，在旅游消费支出方面，有57.39%的受访者在今年的人均单次旅游消费支出预算在1万元至2万元，32.6%的受访者单次旅游消费支出预算在5000元至1万元。

Though the tourism industry was hit hard by COVID-19, after the pandemic, people began to pay more attention to their health and have strengthened their will to travel, Cheng Chaogong, a senior researcher with the research institute of Tongcheng Travel, told Yicai. A growing number of consumers are paying more attention to health-related consumption, among which healing tourism has become a bright spot.
同程研究院首席研究员程超功告诉第一财经记者，尽管旅游业受到了新冠肺炎疫情的沉重打击，但是人们在经过了疫情后，更加关注自己的健康，更加强了出游的意愿。大量的消费者都越来越注重与健康相关的消费，而其中疗愈旅游就是一项。

About 87 percent of respondents to the survey said they are willing to spend toward healthy products and more than half, or 55.24 percent, said they plan to participate in healing tourism this year. Data from travelling platforms showed cities located around the tropic of cancer such as Sanya, Zhuhai, Xishuangbanna, Dali, Xiamen, Haikou, Tengchong and Beihai are becoming popular.
约87%的受访者在健康食品方面有消费意愿，其中有高达55.24%的受访者有意愿在今年参加疗愈旅游。来自旅游平台的数据显示，三亚、珠海、西双版纳、大理、厦门、海口、腾冲和北海等北回归线附近城市热度飙升。

重点词汇：
1.pent-up
英/ˌpent ˈʌp/
美/ˌpent ˈʌp/
adj.被压抑的；幽闭的

2.outbound
英/ˈaʊtbaʊnd/
美/ˈaʊtbaʊnd/
adj.出站；驶向外国的，向外去的

3.healing
英/ˈhiːlɪŋ/
美/ˈhiːlɪŋ/
n.康复；自然（祈祷）疗法
v.治疗（heal 的现在分词）
adj.能治愈的


>Study finds 186 banks vulnerable to SVB-like collapse
研究：如果一半储户提走存款 美国186家银行面临倒闭风险

A new study says that, depending on certain market conditions, nearly 200 U.S. banks could be vulnerable to the same fate as Silicon Valley Bank (SVB).
一项新的研究说，根据某些市场条件，近200家美国银行可能容易遭受与硅谷银行（SVB）同样的命运。

A recent Social Science Research Network study suggests that 186 American banks could fail if half of their depositors suddenly withdrew their funds. The researchers formulated a speculative scenario in which each bank experienced a run, and concluded that the FDIC would run out of money.
社会科学研究网最近的一项研究表明，如果186家美国银行的一半储户突然提走存款，这些银行可能会倒闭。研究人员制定了一个推测方案，其中每家银行都经历了挤兑，并得出结论，FDIC将耗尽资金。

The study was published shortly after the collapse of SVB, the worst American financial institution failure since 2008.
这项研究是在SVB倒闭后不久发表的，这是自2008年以来最严重的美国金融机构倒闭事件。

"Our calculations suggest these banks are certainly at a potential risk of a run, absent other government intervention or recapitalization," the economists wrote. "Even if only half of uninsured depositors decide to withdraw, almost 190 banks are at a potential risk of impairment to insured depositors, with potentially $300 billion of insured deposits at risk," the study's abstract reads. "If uninsured deposit withdrawals cause even small fire sales, substantially more banks are at risk."
研究称：“计算表明，如果没有其他政府干预或资本重组，这些银行肯定有潜在的挤兑风险”。“即使只有一半的未投保储户决定提款，近190家银行也面临着投保储户受损的潜在风险，可能有3000亿美元的投保存款面临风险”。该研究的摘要写道。"如果未受保的存款提取造成哪怕是小规模的火灾销售，就会有更多的银行面临风险。"

The issue lies in the fact that the studied banks' assets are in government bonds and mortgage backed securities, which were negatively affected by the Federal Reserve's recent interest rate hikes.
问题在于，这些研究的银行资产是政府债券和抵押贷款支持的证券，这些资产受到了美联储最近加息的负面影响。

Many of SVB's assets were long-term government bonds. Despite being a sound long-term investment, they were not worth as much as when SVB originally bought them. SVB invested too heavily in longer-term mortgage securities with more than 10 years to maturity.
SVB的许多资产是长期政府债券。尽管是一种良好的长期投资，但它们的价值却不如SVB最初购买时那么高。SVB过多地投资于到期时间超过10年的长期抵押贷款证券。

SVB sold those bonds at a staggering $1.8 billion loss to meet customer withdrawals. When SVB disclosed that loss, depositors panicked and withdrew their money.
SVB在出售这些债券时出现了18亿美元的惊人损失，以应对客户的提款需求。当SVB披露这一损失时，储户们惊慌失措，纷纷取走了自己的钱。

"Overall, these calculations suggest that recent declines in bank asset values very significantly increased the fragility of the US banking system to uninsured depositor runs," the study's abstract concludes.
"总的来说，这些计算结果表明，最近银行资产价值的下降非常明显地增加了美国银行系统对未投保储户挤兑的脆弱性。"该研究的摘要总结道。

重点词汇：
1.vulnerable
英/ˈvʌlnərəbl/
美/ˈvʌlnərəb(ə)l/
adj.（身体或精神）脆弱的，易受伤的；（事物、人或地方）易受攻击的，易受伤害的；易患病的

2.depositor
英/dɪˈpɒzɪtə(r)/
美/dɪˈpɑːzɪtər/
n.存款人，存放者；寄托者

3.formulate
英/ˈfɔːmjuleɪt/
美/ˈfɔːrmjuleɪt/
v.制定，规划；确切表达，认真阐述；用公式表示

4.speculative
英/ˈspekjələtɪv/
美/ˈspekjələtɪv/
adj.推测的，猜测的，推断的；投机性的，风险性的；好奇的，揣摩的；倾向于推测的，爱思辨的

5.run
英/rʌn/
美/rʌn/
n.额定产量；抛售（美元、英镑等）；争购，抢购；（到银行）挤提，挤兑

6.recapitalization
英/riːˌkæpɪtəlaɪˈzeɪʃən/
美/riˌkæpɪtəlɪˈzeʃən/
n.资本结构之改变；资本额的调整

7.impairment
英/ɪmˈpeəmənt/
美/ɪmˈpermənt/
n.（身体或智力方面的）损伤，缺陷，障碍

8.mortgage
英/ˈmɔːɡɪdʒ/
美/ˈmɔːrɡɪdʒ
n.按揭，抵押贷款；抵押贷款额
v.抵押；（为眼前好处）使承受（未来）风险

9.maturity
英/məˈtʃʊərəti/
美/məˈtʃʊrəti/
n.（思想行为、作品等）成熟；发育成熟，长大成人；到期；（债券等）偿还期；（保险单、证券等）有固定到期日的票据


>UBS is buying Credit Suisse in bid to halt banking crisis
瑞银出价30亿瑞士法郎收购瑞信

Switzerland’s biggest bank, UBS, has agreed to buy its ailing rival Credit Suisse in an emergency rescue deal aimed at stemming financial market panic unleashed by the failure of two American banks earlier this month.
瑞士最大的银行瑞银已同意收购其陷入困境的竞争对手瑞士信贷，这是一项紧急救援交易，旨在阻止本月初两家美国银行倒闭所引发的金融市场恐慌。

“UBS today announced the takeover of Credit Suisse,” the Swiss National Bank said in a statement. It said the rescue would “secure financial stability and protect the Swiss economy.”
瑞士国家银行在一份声明中说："瑞银今天宣布收购瑞士信贷。”它说这次救助将 "确保金融稳定，并保护瑞士经济"。

UBS is paying 3 billion Swiss francs ($3.25 billion) for Credit Suisse, about 60% less than the bank was worth when markets closed on Friday. Credit Suisse shareholders will be largely wiped out, receiving the equivalent of just 0.76 Swiss francs in UBS shares for stock that was worth 1.86 Swiss francs on Friday.
瑞银将为瑞士信贷支付30亿瑞士法郎（约合人民币223亿元），比该银行在上周五收市时的价值低约60%。瑞信股东将遭受巨大的损失，他们所持股票的价值在上周五为1.86瑞士法郎，但现在只能以相当于0.76瑞士法郎的瑞银股票的形式获得补偿。

Shares in the 167-year-old bank fell 25% over the week, money poured from investment funds it manages and, at one point, account holders were withdrawing deposits of more than $10 billion per day, the Financial Times reported. An emergency loan of nearly $54 billion from the Swiss National Bank failed to stop the bleeding.
据《金融时报》报道，这家有167年历史的银行的股票在一周内下跌了25%，资金从其管理的投资基金中涌出，账户持有人一度每天提取超过100亿美元的存款。瑞士国家银行提供的近540亿美元的紧急贷款未能止血。

重点词汇：
1.halt
英/hɔːlt/
美/hɔːlt/
v.（使）停止行进；阻止，中断；（口令）立定；跛行；（尤指逻辑或诗韵）有缺陷；踌躇，犹豫
n.停止，中止；<英>乡间小火车站（只有站台）；跛，瘸； 跛，瘸
adj.跛的，瘸的

2.ailing
英/ˈeɪlɪŋ/
美/ˈeɪlɪŋ/
adj.有病的，体弱的；处境困难的，每况愈下的
v.（使）生病， （使）不适；困扰，干扰（ail 的现在分词）

3.equivalent
英/ɪˈkwɪvələnt/
美/ɪˈkwɪvələnt/
adj.等同的，等效的
n.对等的人（或事物），对应的人（或事物）