在线等英语论文翻译,谢绝使用翻译器的

在线等英语论文翻译,谢绝使用翻译器的
As measures of general economic activity in each of the states, we used total personal income data from the U.S. Department of Commerce (1994) and the unemployment rate from the U.S. Department of Labor (1981–93). As our estimate of population growth by state, we used the percentage change in the number of midyear residents, data for which came from the U.S. Bureau of the Census
Real Estate Market Conditions
The return on commercial real estate was calculated as the total return (income plus capital gain), in percentage points, on commercial real estate as measured by the National Council of Real Estate Investment Fiduciaries (1992). These data were available for eight multistate regions. Each state was assigned the return reported for its region.
The growth rates of house prices by state were calculated as the percentage changes in NAR’s median sales prices of existing single-family homes in metropolitan areas, which are published in Existing Home Sales (NAR 1981–93). Prices for metropolitan areas were aggregated to form statewide prices by taking an unweighted average of the data for the cities in each state. States that had no city in the NAR database were assigned the median price in an economically similar, typically neighboring, state.
Commercial Bank Conditions
Our estimates of banks’ capital shortfalls and surpluses were based on Call Report data. We calculated the capital pressure on each bank as the difference between the bank’s actual (reported) tier 1 capital and a target level of tier 1 capital for the bank. Determining a bank’s capital target for each year was problematic because the definition of capital on which regulators focused changed over time, the minimum capital ratios that regulators imposed changed over time, and banks often were not told precisely what their minimum required capital ratio was.

为了估量每个州的经济活动,我们采用了来源于美国商业部完整的个人收入数据（1994）和来源于美国劳务部的失业率（1981-93）.为了估算每个州的人口增长,我们采用了来源于美国人口统计局的年中居民人口变化的百分比数据.
不动产市场状况
商业不动产的回报被以百分比算在所有回报中（收入加上资本利得）,这些商业不动产由国家不动产调查信托委员会估算.这是来源于八个州的数据.当地报告的回报被分配到每个州.
NAR（全美房地产经纪人协会）城市现有单个家庭的中间售价（NAR 1981-93）以每个州的房产价格增长率来计算.城市地区价格以每个州各个城市未加权平均数的形式合计形成全州价格.NAR数据库缺乏的州的城市价格数据采用经济状况相似的如相邻的州的数据.
商业银行状况
我们对银行资本赤字和盈余的评估基于财政报告数据.我们计算了每个银行的资本压力反应银行公告一级资本和目标一级资本的不同.银行每年设定资本目标是不确定的,因为不同时期监管者确定的资本标准会变化,不同时期征收的最小资本金率也在变化,而且,银行通常不会准确的告诉他们的最低资本金率是多少.
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