華爾街的賺錢經(jīng) 第13期:金融危機中崛起的產(chǎn)業(yè)-典當行

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Pawnbroking-A Rising Industry In Financial Crisis

金融危機中崛起的產(chǎn)業(yè)一一典當行

When economic times are tough it. is generally thought that the pawnbroking industry booms-after all, gold and cheap loans are tempting for credit crunchers.

經(jīng)濟不景氣的時候，典當業(yè)卻普遍被看好，因為它提供的金價和低息貸款在信貸緊縮的時候著實誘人。

Lynda Damario, regional director of Albemarle & Bond said:"There are increasing numbers of people from allwalks of life who are finding themselves in a situation where the banks are unable to help so our business is growing."

Albemarle & Bond典當公司的地區(qū)經(jīng)理林達·達馬里奧說，“越來越多的各行各業(yè)的人陷入困境，銀行幫不了他們，于是我們的生意就好了很多。”

That reluctance by banks to lend has helped earn the UK's biggest pawnbroker a 47 percent rise in profits.

正是銀行的惜貸使得這個英國最大的典當公司的利潤增長了47%。

At a time when the price of gold is rising in value it isprobably unsurprising that sales of second hand jewellery accounted for 75 percent of the firm's total sales.

如今黃金價格上揚，典當手里的珠寶不足為奇，這塊占到了公司所有銷售業(yè)務(wù)的75%。

Harvey & Thompson, one of Britain's biggest pawnbrokers has seen business increase by 11 percent in recent months and said this is all due to gold-and people coming in to sell their j9Wellery-not from people simply pawning items.

另一家英國大型典當公司Harvey & Thompson也表示，近幾個月生意量增加了11%。不是簡單的物品典當，而是由于金價上漲，人們開始典當手里的珠寶。

A spokeswoman for H&T, said that consumers are more aware of the idea of selling their possession. because of the popularity of online auction. "It's the eBay effect: Peopte are more aware now that they can raise cash by selling things they don't need."

H&T的一名發(fā)言人說，由于網(wǎng)上拍賣的日益流行，典當被越來越多的人接受。“這就是‘eBay效應(yīng)’。更多的人認同出售自己的閑置物品來換取現(xiàn)金。”

Pawnbrokers give customers money in return for an object which is held as security until the customer pays off the loan plus any interest charges. No crepitchecks are needed and, once the item is valued and a rate of interest greed, the customer canleave with the money. Jewellery and watches are "pledged" most often.

光顧當鋪的人將物件作為抵押典當，當鋪給出現(xiàn)金，直到典當人償還本金和利息(償還后可贖回抵押)。典當人不需經(jīng)過信用檢查，只需交易雙方就典當品價值和利息達成一致，典當人既可換得現(xiàn)金。珠寶和手表是最常見的典當品。

According to the National Pawnbrokers? Assiociation, around 88 percentofpllJdged goods areredeemed. But what if the worst happens. and you are unable to pay for the item at the end of the loan period?

據(jù)英國全國典當協(xié)會統(tǒng)計，大約88%的典當品都被贖回。但是，如果發(fā)生什么不幸，你在典當期內(nèi)無力贖回抵押品該怎么辦呢?

You can usuaUy extend the length of time of borrowing. If you cannot do this, as a Iast resort, the pledge will get sold off, but it is generally not in the pawnbroker's interest to do 50, particularly a5 many of them thrive on repeat customers.

通常你可以延長贖回期。若到期你仍不能償還，典當行最終將會出售抵押品。但是典當商這么做是不得已而為之的，因為他們特別依賴從回頭客身上賺錢。