能源效率融資
2023復習正是強化復習階段，在考研英語中占了40分，所以考研英語閱讀是英語科目中重要的一項。名師老師曾建議過考研生需要堅持每天泛讀10-15分鐘的英文原刊。強烈推薦了雜志《經濟學人》.雜志中的文章也是考研英語的主要材料來源.希望考研考生認真閱讀，快速提高考研英語閱讀水平。 Financing energy efficiency 能源效率融資 Money for nothing 錢不是萬能的 Green loans are proving less popular amonghomeowners than expected 事實證明綠色貸款在房主中并不如預期受歡迎 RETROFITTING houses to use less energy should bea no-brainer for homeowners. Over time, money spent on ways to reduce heat loss fromdraughty houses should produce a handsome return in lower fuel bills. In practice, many arecautious. Some improvements, such as solid-wall insulation and solar panels, can take over25 years to cover their initial cost. Few owners are willing to wait that long: by then manyare likely to have sold up and moved on. 對于大多數房主來說為了節能而翻新房屋是一件再簡單不過的事了。房主把錢花在運用某些方法上使透風的房子能夠減少熱損失，隨著時間的推移，這些錢應該會因為低額的燃料費而產生豐厚的回報。但是事實上，大多數屋主還是很謹慎的。像換上絕緣墻、太陽能電池板這樣的翻新措施往往要花上超過25年的時間才能回本。大多數房主都不愿意這么做，因為到那時很多人可能已經把房子賣掉了或者已經搬走了。 Several governments have started finance schemes designed to address this problem. Since2008 PACE programmes have offered American homeowners loans to finance improvements,repaid through higher local taxes on the property, whoever it belongs to. In Britain, theGreen Deal offers loans over a 25-year period, with repayments added to energy bills.Countries including France and Canada have similar initiatives. 一些政府已經為解決此問題而開始了融資計劃。2008年以來，清潔能源財產評估計劃已經為很多美國房主提供了低息貸款，以資助他們進行房屋設施的翻新改善。這種貸款通過對該房屋征收更高的地方稅而得以償還。在英國，綠色協議會提供超過25年期的貸款，該貸款通過追加能源賬單而得以償還。包括法國、加拿大在內的國家也采取了類似的舉措。 In theory, these schemes should boost investment in common energy-saving measures, suchas extra insulation and new boilers, as the first owner does not have to pay all the costsupfront. But enrolment rates have disappointed, according to Sean Kidney at the ClimateBonds Initiative, a think-tank. In Britain, just 1% of those assessed for the Green Deal havesigned up. In Berkeley, California, home of the first PACE scheme, the take-up rate issimilarly paltry. 按理說，這些方案應該會促進在節能措施上的投資，比如在購買額外的絕緣設備和新的熱水器的時候，首次購買者不必預先支付所有費用。但是根據來自氣候債券倡議智囊團的肖恩基德尼所說，這些方案的采納率令人失望。在英國，僅有1%同意簽署了綠色協議。在清潔能源財產評估計劃出臺的地方，也就是加利福尼亞州的伯克利，該方案的采納率也是非常得低。 Homeowners are unimpressed chiefly because the interest rates on the loans look high. TheGreen Deal charges 7%; some PACE schemes a hefty 8%. As these rates are fixed fordecades, they will inevitably look unattractive when short-term interest rates are low. 房主不愿意采納這些方案的主要原因是看似頗高的貸款利率。綠色協議提供的貸款利率為7%，清潔能源財產評估計劃提供的貸款利率更是達到了相對較高的8%。盡管這些利率將保持幾十年不變，但是在短期利率較低的時候，就像現在，這些利率就不可避免地看上去毫無吸引力。 Many people also doubt they will save enough on their energy bills to cover the repayments.For instance, claims in Britain that installing loft insulation can cut energy bills by 20% havebeen dented by a government study that found it reduced gas consumption by only 1.7% onaverage. Others fear that green loans may reduce the value of their home. In America, firmsthat underwrite mortgages are hostile to PACE loans. 許多人也會懷疑自己是否能節省下足夠的能源費用來支付貸款在英國，有人宣稱，安裝閣樓絕緣材料能砍掉20%的能源費用，但一項政府研究打擊了這一斷言，該研究發現，該材料平均僅能降低1.7%的天然氣消耗。而其他人則擔心綠色貸款會使自己的房屋貶值。在美國，抵押貸款的承銷公司堅決反對清潔能源財產評估計劃提供貸款。 Green loans have not been a flop everywhere. Around 250,000 households in Germany signup for them each year. They do so because they need pay only 1% interest on them eachyear, thanks to an annual public subsidy of 1.5 billion. Whether that is an efficient use oftaxpayers money is another question. 然而，綠色貸款也不是在哪兒都遭遇窘境。在德國，每年都有近25萬戶人家會簽署綠色貸款協議。他們這樣做的原因是每年他們只需要為此支付1%的利息，因為每年政府都會發放15億歐元的公共財政補貼。然而這是否是有效利用納稅人的錢又成了另一個問題。 詞語解釋 1.likely to 可能 Because of this, marijuana companies are likely tocontinue to struggle to find banks. 有鑒于此，大麻公司很可能要繼續為尋找銀行而煩惱了。 Other export-oriented economies are also likely toget hit hard by another recession. 其他一些出口型經濟體也很有可能在新一輪的衰退中遭受重創。 2.design to 用于設計 Need to print your design to go meet your client? 需要將你的設計打印出來去見客戶嗎? We can use design to make a website unique and more memorable. 我們能用設計使一個網站獨一無二且更易記住。 3.belong to 隸屬于 Kashmir cannot belong to both india and pakistan. 克什米爾地區無法既屬于印度又屬于巴基斯坦。 Those who belong to christ don t live in fear of condemnation. 屬基督的人就不生活在對被定罪的懼怕之中。 4.add to 增加,加強 If not, then any gains would be temporary and just add to the debt load. 否則，任何經濟增長都是暫時的，而且還會增加債務負擔。 Initially, at least, it won t add to the country s vast debts. 至少，從最初來看，奧運會不會加劇這個國家早已沉重的債務負擔。
2023復習正是強化復習階段，在考研英語中占了40分，所以考研英語閱讀是英語科目中重要的一項。名師老師曾建議過考研生需要堅持每天泛讀10-15分鐘的英文原刊。強烈推薦了雜志《經濟學人》.雜志中的文章也是考研英語的主要材料來源.希望考研考生認真閱讀，快速提高考研英語閱讀水平。 Financing energy efficiency 能源效率融資 Money for nothing 錢不是萬能的 Green loans are proving less popular amonghomeowners than expected 事實證明綠色貸款在房主中并不如預期受歡迎 RETROFITTING houses to use less energy should bea no-brainer for homeowners. Over time, money spent on ways to reduce heat loss fromdraughty houses should produce a handsome return in lower fuel bills. In practice, many arecautious. Some improvements, such as solid-wall insulation and solar panels, can take over25 years to cover their initial cost. Few owners are willing to wait that long: by then manyare likely to have sold up and moved on. 對于大多數房主來說為了節能而翻新房屋是一件再簡單不過的事了。房主把錢花在運用某些方法上使透風的房子能夠減少熱損失，隨著時間的推移，這些錢應該會因為低額的燃料費而產生豐厚的回報。但是事實上，大多數屋主還是很謹慎的。像換上絕緣墻、太陽能電池板這樣的翻新措施往往要花上超過25年的時間才能回本。大多數房主都不愿意這么做，因為到那時很多人可能已經把房子賣掉了或者已經搬走了。 Several governments have started finance schemes designed to address this problem. Since2008 PACE programmes have offered American homeowners loans to finance improvements,repaid through higher local taxes on the property, whoever it belongs to. In Britain, theGreen Deal offers loans over a 25-year period, with repayments added to energy bills.Countries including France and Canada have similar initiatives. 一些政府已經為解決此問題而開始了融資計劃。2008年以來，清潔能源財產評估計劃已經為很多美國房主提供了低息貸款，以資助他們進行房屋設施的翻新改善。這種貸款通過對該房屋征收更高的地方稅而得以償還。在英國，綠色協議會提供超過25年期的貸款，該貸款通過追加能源賬單而得以償還。包括法國、加拿大在內的國家也采取了類似的舉措。 In theory, these schemes should boost investment in common energy-saving measures, suchas extra insulation and new boilers, as the first owner does not have to pay all the costsupfront. But enrolment rates have disappointed, according to Sean Kidney at the ClimateBonds Initiative, a think-tank. In Britain, just 1% of those assessed for the Green Deal havesigned up. In Berkeley, California, home of the first PACE scheme, the take-up rate issimilarly paltry. 按理說，這些方案應該會促進在節能措施上的投資，比如在購買額外的絕緣設備和新的熱水器的時候，首次購買者不必預先支付所有費用。但是根據來自氣候債券倡議智囊團的肖恩基德尼所說，這些方案的采納率令人失望。在英國，僅有1%同意簽署了綠色協議。在清潔能源財產評估計劃出臺的地方，也就是加利福尼亞州的伯克利，該方案的采納率也是非常得低。 Homeowners are unimpressed chiefly because the interest rates on the loans look high. TheGreen Deal charges 7%; some PACE schemes a hefty 8%. As these rates are fixed fordecades, they will inevitably look unattractive when short-term interest rates are low. 房主不愿意采納這些方案的主要原因是看似頗高的貸款利率。綠色協議提供的貸款利率為7%，清潔能源財產評估計劃提供的貸款利率更是達到了相對較高的8%。盡管這些利率將保持幾十年不變，但是在短期利率較低的時候，就像現在，這些利率就不可避免地看上去毫無吸引力。 Many people also doubt they will save enough on their energy bills to cover the repayments.For instance, claims in Britain that installing loft insulation can cut energy bills by 20% havebeen dented by a government study that found it reduced gas consumption by only 1.7% onaverage. Others fear that green loans may reduce the value of their home. In America, firmsthat underwrite mortgages are hostile to PACE loans. 許多人也會懷疑自己是否能節省下足夠的能源費用來支付貸款在英國，有人宣稱，安裝閣樓絕緣材料能砍掉20%的能源費用，但一項政府研究打擊了這一斷言，該研究發現，該材料平均僅能降低1.7%的天然氣消耗。而其他人則擔心綠色貸款會使自己的房屋貶值。在美國，抵押貸款的承銷公司堅決反對清潔能源財產評估計劃提供貸款。 Green loans have not been a flop everywhere. Around 250,000 households in Germany signup for them each year. They do so because they need pay only 1% interest on them eachyear, thanks to an annual public subsidy of 1.5 billion. Whether that is an efficient use oftaxpayers money is another question. 然而，綠色貸款也不是在哪兒都遭遇窘境。在德國，每年都有近25萬戶人家會簽署綠色貸款協議。他們這樣做的原因是每年他們只需要為此支付1%的利息，因為每年政府都會發放15億歐元的公共財政補貼。然而這是否是有效利用納稅人的錢又成了另一個問題。 詞語解釋 1.likely to 可能 Because of this, marijuana companies are likely tocontinue to struggle to find banks. 有鑒于此，大麻公司很可能要繼續為尋找銀行而煩惱了。 Other export-oriented economies are also likely toget hit hard by another recession. 其他一些出口型經濟體也很有可能在新一輪的衰退中遭受重創。 2.design to 用于設計 Need to print your design to go meet your client? 需要將你的設計打印出來去見客戶嗎? We can use design to make a website unique and more memorable. 我們能用設計使一個網站獨一無二且更易記住。 3.belong to 隸屬于 Kashmir cannot belong to both india and pakistan. 克什米爾地區無法既屬于印度又屬于巴基斯坦。 Those who belong to christ don t live in fear of condemnation. 屬基督的人就不生活在對被定罪的懼怕之中。 4.add to 增加,加強 If not, then any gains would be temporary and just add to the debt load. 否則，任何經濟增長都是暫時的，而且還會增加債務負擔。 Initially, at least, it won t add to the country s vast debts. 至少，從最初來看，奧運會不會加劇這個國家早已沉重的債務負擔。
