爱尔兰为破产者制定“生活标准”《金融时报》
Ireland’s debt deal terms to cut out ‘luxuries’《金融时报》
Irish homeowners applying for debt writedowns will have to give up satellite television, foreign holidays and private school educations for their children under a strict new insolvency law introduced to tackle the country’s debt crisis.
根据新通过的一部旨在化解国家债务危机的严厉的破产法，申请债务减记的爱尔兰房主将被迫放弃卫星电视、外国度假和子女私校教育。
Ireland’s Insolvency Service yesterday set out monthly spending limits for people seeking debt deals from creditors, emphasising the impact austerity is having on Irish spending habits. A single person will be allowed only ?47.04 a month for food, ?7.31 for heating and ?25.97 for “social inclusion and participation” ? a category of expenses that includes tickets for sporting events and the cinema.
爱尔兰破产服务局(Insolvency Service)昨日公布了希望从债权人得到债务减记的房主每月的开销上限，凸显紧缩对爱尔兰人消费习惯产生的影响。每人每月的食品开销上限为 247.04欧元，取暖开销上限为57.31欧元，“社会融入和参与”(一个包括体育赛事门票和电影票在内的开销类别)开销上限为125.97欧元。
“A reasonable standard of living does not mean a person should live at luxury level,” said Lorcan O’Connor, director of the newly established Insolvency Service of Ireland. “But nor does it mean that people should be punished and live only at subsistence level.”
新成立的爱尔兰破产服务局的局长洛肯•奥康纳 (Lorcan O’Connor)表示：“合理的生活水准不意味着人们应当过奢侈的生活。但这也不意味着人们应当受到惩罚，只能过勉强糊口的生活。”
In most cases, people seeking debt deals will also have to give up private health insurance and their cars, although they will be able to keep their vehicles if they do not have access to public transport.
多数情况下，寻求债务减记的人也将被迫放弃私人医疗保险和自己的轿车，不过，如果享受不到公共交通服务，他们可以保留私家车。
The guidelines mark Ireland’s first attempt to quantify acceptable living standards when people declare bankruptcy or reach an insolvency arrangement with creditors under its new insolvency regime. Banks will use the guidelines as they try to restructure tens of thousands of home loans in the next months.
上述指导原则标志着，爱尔兰首次开始尝试量化人们宣告破产或按新破产办法与债权人达成破产安排时的可接受生活水准。未来几个月，银行在重组数以万计的住房贷款时，也将执行这些原则。
Stubbornly high unemployment and falling wages ? caused by a five-year economic crisis ? have pushed almost one-in-four Irish mortgage holders to the brink.
失业率居高不下，工资不断降低――这是五年经济危机的后果――已把爱尔兰近四分之一的抵押贷款借款人推到悬崖边缘。
