哪位好心的英语帝,帮忙翻译下

哪位好心的英语帝,帮忙翻译下
The bank capital shortfall and surplus measures were intended to measure how much capital pressure banks were under. Rather than including one variable that measured (positive and negative) deviations of bank capital from the target level of capital, we included separate variables for the shortfalls and the surpluses of capital relative to the target. This allowed us to estimate responses to capital shortfalls and surpluses separately
At various stages of our study, we considered other variables that we ultimately did not retain in the specifications shown. Series measuring business bankruptcies, personal bankruptcies, commercial vacancy rates, and homeowner vacancy rates were omitted because they were typically statistically insignificant.14 The drawing down of loans permitted by loan commitments that banks had previously extended to borrowers may have contributed to the low statistical significance of some variables, such as vacancy rates. As vacancies rose, for example, even a bank that sought reduced exposure to commercial real estate might have extended more credit as borrowers availed themselves of their loan commitments.
In preliminary regressions we included the delinquency rate on real estate loans as a proxy for information about conditions in real estate markets and the likely willingness of lenders to finance real estate projects.15 We expected that higher real estate loan delinquency rates would reduce real estate activity, but in data aggregated here to the statewide level, we found little support for that hypothesis

银行资本短缺及剩余的议案旨在测量多少资金的银行都是下压力.包括一个变量,而不是积极的还是消极的)测量偏差的银行资本从目标水平的资本,我们分开的变量包括美中不足之处和盈余的资本相对于目标.这使我们能够估计的反应,以资本不足以及盈余另行规定
在不同阶段的学习,我们考虑其他的变数,我们最终没有保留技术说明书中显示.系列衡量企业破产,个人破产、商业空置率和房主空置率被遗漏,因为他们典型地统计学insignificant.14图纸允许下的贷款,银行贷款承诺先前延伸到借款人可以导致低统计学意义的一些变量,例如空置率.为空缺职位的玫瑰,例如,甚至一家银行,寻求减少暴露于商业地产可能会有更高的信用贷款延长他们的贷款承诺采取自己.
在初步的回归我们包括犯罪率对房地产贷款作为代理的有关资料条件在房地产市场和可能的意愿的房地产projects.15贷款人我们预期的金融犯罪,更高的房地产贷款的利率会降低房地产活动,但在数据聚集在这里的水平,我们发现全州范围的小支持这一假说
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