Savings and loan association

（重定向自Savings and Loan）

A savings and loan association (S&L), or thrift institution, is a financial institution that specializes in accepting savings deposits and making mortgage and other loans. The terms "S&L" or "thrift" are mainly used in the United States; similar institutions in the United Kingdom, Ireland and some Commonwealth countries include building societies and trustee savings banks. They are often mutually held (often called mutual savings banks), meaning that the depositors and borrowers are members with voting rights, and have the ability to direct the financial and managerial goals of the organization like the members of a credit union or the policyholders of a mutual insurance company. While it is possible for an S&L to be a joint-stock company, and even publicly traded; in such instances it is no longer truly a mutual association, and depositors and borrowers no longer have membership rights and managerial control. By law, thrifts can have no more than 20 percent of their lending in commercial loans — their focus on mortgage and consumer loans makes them particularly vulnerable to housing downturns such as the deep one the U.S. has experienced since 2007.

单词	Savings and Loan
释义	Savings and Loan 英语例句库 It wasn't too long ago that deregulation was being hailed as the savior of the savings and loan industry. 直到不久前，违反常规还被人们欢呼为挽救存款和贷款业的好方法。原声例句 TED演讲（音频版） 2014年4月合集 Roughly 300 savings and loans involved, roughly 600 senior officials. 差不多300个储贷机构，600个高级官员涉案。 VOA Special 2018年10月合集 David Hale owned a savings and loan company that received public money. 黑尔拥有一家接受公共资金的贷款公司。历年英语六级听力真题（含译文） Good morning, High Mountain Savings and Loan. How may we help you? 上午好，这里是High Mountain Savings and Loan，有什么能帮您？ VOA Special 2020年9月合集 A former judge who owned a savings and loan bank accused Clinton of pressuring him to make illegal loans to help the company. 一位拥有一家储蓄和贷款银行的前法官指控克林顿向他施压，要求他提供非法贷款，以帮助公司。 VOA Special 2020年9月合集 James McDougal also owned Madison Guaranty Savings and Loan, for which Hillary Clinton did legal work. 詹姆斯·麦克道尔还拥有麦迪逊抵押储贷银行，希拉里·克林顿处理其法律工作。历年六级真题（含译文） Conversation Two W: Good morning, High Mountain Savings and Loan. How may we help you? 上午好，这里是High Mountain Savings and Loan，有什么能帮您？ TED演讲（音频版） 2014年4月合集 Now, we've seen this before in the savings and loan debacle, and we know that this kind of fraud can only originate from the lenders. 在储贷危机期间，我们就遇到过这种情况，我们知道这种欺诈行为的罪魁祸首就是借方。 TED演讲（音频版） 2014年4月合集 And so the biggest and the baddest of the frauds, Long Beach Savings, voluntarily gave up its federal savings and loan charter, gave up federal deposit insurance. 业内最大最狡猾的诈骗银行长滩储蓄主动放弃联邦政府颁发的储蓄和借贷执照，放弃联邦存款保险。 TED演讲（音频版） 2014年4月合集 We got warnings that we could have taken advantage of easily, because back in the savings and loan debacle, we had figured out how to respond and prevent these crises. 第二，我们可以轻而易举地利用这些预警信号采取措施，因为早在储贷危机时期，我们就知道了如何应对，从而避免危机的发生。六级听力真题完整版（无译文） Conversation Two W: Good morning, High Mountain Savings and Loan. 对话二 W：早上好， High Mountain Savings and Loan。英语百科 Savings and loan association （重定向自Savings and Loan） A savings and loan association (S&L), or thrift institution, is a financial institution that specializes in accepting savings deposits and making mortgage and other loans. The terms "S&L" or "thrift" are mainly used in the United States; similar institutions in the United Kingdom, Ireland and some Commonwealth countries include building societies and trustee savings banks. They are often mutually held (often called mutual savings banks), meaning that the depositors and borrowers are members with voting rights, and have the ability to direct the financial and managerial goals of the organization like the members of a credit union or the policyholders of a mutual insurance company. While it is possible for an S&L to be a joint-stock company, and even publicly traded; in such instances it is no longer truly a mutual association, and depositors and borrowers no longer have membership rights and managerial control. By law, thrifts can have no more than 20 percent of their lending in commercial loans — their focus on mortgage and consumer loans makes them particularly vulnerable to housing downturns such as the deep one the U.S. has experienced since 2007.
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