1、标题：voa慢速英语讲解附字幕:美国房产市场面临新压力对应音频：1022a.mp3听力内容：Put-Backs,Robo-Signers Put New Pressure on US Housing MarketThis is the VOA Special English Economics Report.Since January, lenders have seized or begun the process to seize about two million American homes. In September alone, banks and other financial
2、companies reclaimed over one hundred thousand properties because of unpaid loans. That was the most yet since the housing collapse that led to the recent recession.Now, efforts to speed a housing recovery have hit new problems. These include questions about whether banks have acted unlawfully in rec
3、laiming some homes.Reports of abuses have grown with talk lately of robo-signers. These are employees who sign foreclosure forms without taking the required legal steps or even reading the paperwork. They simply act like robots. In some cases, documents may have been falsified.Last week, the top law
4、 enforcement officials in all fifty states announced an investigation of big servicers of home loans. Servicers receive the payments from borrowers and might also hold the loans.Among the targets of the attorney-general investigations are Bank of America, J.P. Morgan Chase and Ally Financial. An All
5、y employee admitted robo-signing thousands of foreclosures each month.The Obama administration has launched its own investigation. White House spokesman Robert Gibbs says several agencies are looking into the way banks have been processing bad loans.ROBERT GIBBS: We are looking at their process in o
6、rder to determine their compliance with the law. Obviously, they have certain requirements under the law that have to be met, and if theyre not meeting those requirements they certainly face fines from us and they can face legal actions from homeowners.But the administration has not supported the id
7、ea of a temporary suspension of all foreclosures. Officials say this could endanger the slow economic recovery.Twenty-three states require a court to approve a foreclosure. Several banks have suspended foreclosures in those states temporarily to review their operations. Bank of America, the nations
8、largest bank, now believes it can restart home repossessions in those states.Robo-signers are not the only concern right now. Put-backs have joined the list of bank worries. In a put-back, investors try to force a bank to take back a bad loan.This week, Bank of America said it received a letter from
9、 investors holding almost fifty billion dollars in mortgage-backed securities. These are bonds based on large numbers of individual loans. The investors want the bank to buy back any improperly processed loans included in those securities.Demands on banks for put-backs could grow. And there are even
10、 questions about who really owns those bad loans.And thats the VOA Special English Economics Report, written by Mario Ritter. Im Steve Ember.这里是VOA特别英语经济报道。自1月份以来，美国贷方已经收回或开始收回大约200万套房屋。仅在9月份，银行或其他金融公司就因未偿还贷款而收回了超过10万套房产。这是自导致这次经济衰退的房地产业崩溃以来最多的一个月。现在，加速房地产业复苏的努力遭遇了新的问题。其中包括，银行在收回一些房屋的过程中有没有违法行为。最近，有
11、报道称，滥用“机器签名人(robo signers)”出现上涨趋势。雇员在没有采取要求的法律程序或甚至没有阅读文件的情况下在没收表格上签名。他们的行为就像机器人一样。在某些情况下，甚至文件都是伪造的。上周，所有55个州的高级执法官员宣布对房产贷款的大型服务机构进行调查。服务机构从借款者那里收取费用，也可能持有贷款。司法部长调查的主要目标包括美国银行，摩根大通和富国银行。富国银行一名雇员承认，每月像机器人一样签署数千份没收文件。奥巴马政府也发起了自己的调查。白宫发言人罗伯特·吉布斯表示，几个机构正在对银行处理不良贷款的方式展开调查。吉布斯：“我们正在查看他们的处理程序，以确定他们是
12、否遵守了相关的法律规定。很明显，他们必须满足法律规定的一些要求，如果他们不满足这些要求，他们将面临我们的处罚，还将面临业主的法律诉讼。”但是奥巴马政府并不支持暂停所有房产没收的想法。官员们表示，这会将原本已经非常缓慢的经济复苏置于危险中。美国有二十三个周要求没收房产必须获得法庭允许。几家银行已经暂停了在这些州的没收行为，审查自己的活动。美国最大的银行美国银行相信他们现在已经可以重新开始在这些州的没收行动。现在，机器人签名并不是唯一的问题。“资产回售”也引起了银行的担忧。在资产回售中，投资者试图强迫银行收回不良贷款。本周，美国银行表示，他们收到了持有价值200亿抵押债券持投资者的信件。抵押债券是
13、基于大量个人贷款的债券。投资者要求银行购回这些债券中所有处理不当的贷款。银行资产回售的要求可能会增长。甚至对谁真正的拥有这些不良贷款也会存在问题。1.seize v.起获；没收；扣押例句：The weapons were seized by the police.武器被警察没收了。2.reclaim vt.要求收回；取回；拿回；要求归还例句：I have tried to reclaim my money without success.我没能把钱取回来。3.unlawfully ad.非法地;不正地4.falsify vt.篡改;伪造例句：They falsify or deny whate
14、ver doesn’t suit their books.他们篡改或者否定任何不符合他们意见的东西。pliance n.服从,听从,顺从例句：He was terrified into compliance.他被吓唬得屈服了。I was surprised by his compliance with these terms.我对他竟然依从了这些条件而感到吃惊。6.endanger vt.危及, 使遭受危险例句：You will endanger your health if you smoke.你如果吸烟, 就会危及健康。The drift of the icebergs in
15、the sea endangers the ships.海上冰山的漂流危及船只的安全。1.These are employees who sign foreclosure forms without taking the required legal steps or even reading thepaperwork.without doing是without 现在分词作状语with和without都可以加其他成分做状语。(1)She came into the room，with her nose red because of cold.（with 名词 形容词，作伴随状语）(2)With
16、 the meal over ， we all went home.（with 名词 副词，作时间状语）(3)The master was walking up and down with the ruler under his arm。（with 名词 介词短语，作伴随状语。） The teacher entered the classroom with a book in his hand.(4)He lay in the dark empty house，with not a man ，woman or child to say he was kind to me.（with 名词 不定
17、式，作伴随状语）He could not finish it without me to help him.（without 代词 不定式，作条件状语）(5)She fell asleep with the light burning.（with 名词 现在分词 ，作伴随状语）(6)Without anything left in the cupboard， she went out to get something to eat.（without 代词 过去分词，作为原因状语）2.These are bonds based on large numbers of individual loa
18、ns.base on使建立在…基础上,立足例句：We must base ourselves on the interests of the people.我们一定要从人民的利益出发。One should always base ones opinion on facts.我们应总是把自己的观点建立在事实的基础上。3. In some cases, documents may have been falsified.in some cases在某些情况下4.Robo-signers are not the only concern right now.unique和only的区别：only表示在没有别的选择的情况下只剩下这个，表示这样的唯一；unique表示在还有很多选择的情况，由于某物是独一无二的，所以是唯一的。