发表时间：2023.12.28     作者：Jingyi     来源：ShoelessCai     阅读：191

此篇为彭博推送，主要是百度翻译，Jingyi 作微调。

译文

对于美国银行业的大部分人来说，2023年无疑是不友善的。上半年，少数几家地区性银行突然内爆，数十家兄弟银行黯然失色。罪魁祸首当然是对抗通货膨胀的战争——不断上升的利率大幅削减了资产价值，并给美国银行带来6840亿美元的未实现损失。许多人花费巨资阻止储户离开，一些人还提出了商业房地产贷款违约的可能性。与此同时，债券评级公司已分批下调银行评级。但哪里有失败者，哪里就有赢家。在动荡的一年即将结束之际，有一个大赢家，它的名字就是摩根大通。

brethren swooned 兄弟们昏倒了！
culprit 被告人，罪魁祸首
podium 讲台 —— 因为把 Culprit 记成讲台了！
keep depositors from leaving 防止储户离开
downgrade the banks in batches 分批下调
tumultuous year 动荡的一年

随着春季地区银行血雨腥风的开始，持有500多亿美元的紧张储户开始出现在摩根大通的门口。银行高管继续四次提高对全年净利息收入的预期，最终获得了如此多的现金，以至于经理们开始警告“收入过高”。这使摩根大通有望实现美国银行业历史上最大的年度利润。分析师预测，到本月底，其年度净收入将比去年增长36%。相比之下，接下来五大银行的总收益看起来约为1%。对于摩根大通及其首席执行官杰米·戴蒙来说，这是独一无二的一年。但并不是每个人都对此感到高兴--David E.Rovella

A bloodbath among B 解释：事物 A 血洗 事物 B
这里指的是，JPMorgan 的经理们开始警告收入过高 over-earning
it was a year like no other 这是独一无二的一年
this put someone on track for something 这使得某人走上……的道路

华尔街对空白支票公司的热爱似乎已经结束了。空白支票公司更被称为特殊目的收购公司。在疫情期间将公司推向股市的金融热潮今年将以一系列大破产和股东更大损失而告终。今年至少有21家通过与SPAC合并上市的公司破产。

blank check firm 空头支票公司 —— 这提醒我要开始一些工作了！
more dryly known as 更被称为
the finance fad 这场金融热潮
firms that went public by merging with SPACs 通过 SPAC 合并而上市的公司

投资者认为，美国明年将出现软着陆，这预示着股市将进一步上涨。但是这也使得前景没那么明朗，即在2023年表现突出的科技巨头们，明年再次拉动他们的良好表现的前景。这波上涨的一个关键原因，即这些今年早些时候，贡献了几乎标普500三分之二的公司，似乎开始衰退了。

point to further gains in stocks 指向股市进一步上涨
it also dims the prospect 这也使得前景黯淡

中国的比亚迪公司自称是你从未听说过的最大的汽车品牌，但它可能很快需要一个不同的口号。这家汽车制造商准备超越特斯拉，成为全电动汽车销售的新全球领导者。届时——很可能很快——这将是电动汽车市场的一个象征性转折点，也将进一步证实中国在全球汽车行业日益增长的影响力。更不用说埃隆·马斯克的另一个坏消息了。

bill oneself as the biggest car brand you have ever met 标榜自己是你所见过的最大车品牌
fully electric vehicle 全电动汽车
clout 影响力，势力。 = influence
turning point 转折点
not to mention 更不用说

《纽约时报》起诉微软和OpenAI利用其内容帮助开发人工智能服务，这表明媒体与一项可能进一步颠覆新闻业的技术之间的关系日益紧张。这些科技公司依靠数百万篇受版权保护的文章来训练聊天机器人，如ChatGPT和其他人工智能功能，据称造成了数十亿美元的法定和实际损失。《纽约时报》发言人表示：“如果微软和OpenAI想将我们的作品用于商业目的，法律要求他们首先获得我们的许可。”。“他们没有这么做。”

upend the news industry 颠覆新闻行业
increasing fraught relationship 日益紧张的关系
statutory and actual damages 法定和实际的损失

拜登政府周三宣布了一项2.5亿美元的乌克兰武器装备计划，这是今年的最后一项计划。国务卿安东尼·布林肯表示：“我们的援助对于支持我们的乌克兰伙伴捍卫国家和自由免受俄罗斯侵略至关重要。”。“国会必须尽快迅速采取行动，通过帮助乌克兰自卫和保障其未来，促进我们的国家安全利益。”乔·拜登总统警告称，共和党人继续拒绝向乌克兰提供更多援助，只会帮助克里姆林宫。

Secretary of State 国会秘书

Allison Schrager在《彭博观点》杂志上写道，管理你的退休生活是所有财务问题中最困难的一个。挑战是在面临市场未来、收入、健康和寿命的不确定性的同时，赚一生的钱。与此同时，错误信息和糟糕的建议使事情变得更加困难。因此，为了让事情变得更容易，Schrager列举了三个你需要认识到的关于退休的神话。

longevity 寿命

一个被称为美国历史上最大的清洁能源项目的美国风电场和输电线路已获得110亿美元的融资并开始建设。与此同时，假期期间强劲的风力发电和低需求使德国的电价降至零以下，而法国、丹麦和英国的批发市场在几个小时内转为负值。因为（as ...）非洲大陆增加更多依赖天气的可再生能源，负价格越来越频繁。

wind farm 风电厂
transmission line 输电线。由最大的能源项目定价的

原文

For much of the American banking industry, 2023 was decidedly unkind. The first half was marked by the sudden implosion of a handful of regional banks while dozens of their brethren swooned. The culprit of course was the war on inflation—rising interest rates had slashed the value of assets and saddled US banks with $684 billion of unrealized losses. Many have spent heavily to keep depositors from leaving and some raised the possibility of defaults on commercial real estate loans. Bond-rating firms meanwhile have downgraded banks in batches. But where there are losers, there almost always are winners. And as a tumultuous year comes to a close, there is one big winner above all, and its name is JPMorgan.

As the spring bloodbath among regional banks began, nervous depositors with more than $50 billion began showing up at JPMorgan’s door. Bank executives went on to raise expectations for net interest income four times throughout the year, eventually pulling in so much cash that managers have taken to warning of “over-earning.” That’s put JPMorgan on track for the biggest annual profit in the history of American banking. Analysts predict that by the end of this month, its annual net income will be 36% higher than last year. By comparison, the combined earnings of the next five largest banks looks to be about 1%. For JPMorgan and its chief executive, Jamie Dimon, it was a year like no other. But not everyone is happy about that. —David E. Rovella

Wall Street’s love affair with blank-check firms—more dryly known as special purpose acquisition companies, or SPACs—looks to be over. The finance fad that pushed companies onto the stock market during the pandemic is ending this year with a string of big bankruptcies and even bigger losses for shareholders. At least 21 firms that went public by merging with SPACs went bankrupt this year.

The US soft-landing scenario that investors see for next year points to further gains in stocks. But it also dims the prospect of another stretch of outperformance for the technology giants that dominated 2023. One of the key themes behind their surge, which generated almost two-thirds of the S&P 500 Index’s advance this year, appears to have faded.

China’s BYD Co. bills itself as the biggest car brand you’ve never heard of, but it might need a different tagline soon. The automaker is poised to surpass Tesla as the new worldwide leader in fully electric vehicle sales. When it does—and that’s likely to be quite soon—it will be both a symbolic turning point for the EV market and further confirmation of China’s growing clout in the global automotive industry. Not to mention another bit of bad news for Elon Musk.

The New York Times sued Microsoft and OpenAI for using its content to help develop artificial intelligence services, a sign of the increasingly fraught relationship between the media and a technology that could further upend the news industry. The technology firms relied on millions of copyrighted articles to train chatbots like ChatGPT and other AI features, allegedly causing billions of dollars in statutory and actual damages. “If Microsoft and OpenAI want to use our work for commercial purposes, the law requires that they first obtain our permission,” a New York Times spokesperson said. “They have not done so.”

The Biden administration announced Wednesday a $250 million weapons and equipment package for Ukraine, its final one for the year. “Our assistance has been critical to supporting our Ukrainian partners as they defend their country and their freedom against Russia’s aggression,” Secretary of State Antony Blinken said. “It is imperative that Congress act swiftly, as soon as possible, to advance our national security interests by helping Ukraine defend itself and secure its future.” President Joe Biden has warned that the continuing refusal by Republicans to provide more assistance to Ukraine will only help the Kremlin.

Managing your retirement is among the hardest of all financial problems, Allison Schrager writes in Bloomberg Opinion. The challenge is to make your money last a lifetime while facing uncertainty about the future of markets, your income, health and longevity. Meanwhile, misinformation and bad advice make it harder than it needs to be. So in an effort to make things a little easier, Schrager goes over three myths about retirement that you need to recognize.

A US wind farm and transmission line billed as the largest clean energy project in the nation’s history has secured $11 billion in financing and started construction. Meanwhile strong wind generation and low demand during the holiday period sent electricity prices below zero in Germany, while wholesale markets turned negative for some hours in France, Denmark and Britain. Negative prices are occurring more frequently as the continent adds more weather-dependent renewable power.

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