2009年考研英语阅读理解精读100篇（高分版）TEXT 19

难句突破：

(1)   There are rises in both the charge-off and delinquency rates, which measure the share of balances that are uncollectable or more than 30 days late respectively.

[主体句式] There are rises in...

[结构分析] 这是一个简单句，which 引导的非限定性定语从句是修饰前面的the charge-off and delinquency rates；在该定语从句中还有定语从句修饰the share of balances，在该定语从句中，前半个句子对应修饰the charge-off rates，后半个句子是个省略句，对应修饰the delinquency rates.

[句子译文] 损耗率和逾期债款率都上升了，这两个数据分别代表收不回来的收支差额的份额和晚了30天的份额。

(2) A change in America's personal-bankruptcy laws in 2005 led to an abrupt fall in bankruptcy filings, which in turn account for a big chunk of credit-card losses; the number of filings (and thus charge-off rates) would be rising again, whether or not overall conditions for borrowers were getting worse.

[主体句式] A change led to an abrupt fall; the number would be rising.

[结构分析]这是一个复杂句，分号将前后两个句子隔开。前面句子中，宾语带有which引导的非限定性定语从句；后面句子是带有方式状语从句的复杂句。

[句子译文]2005年美国个人破产法的一个改动使得破产登记急速下降，而后引起了信用卡大规模的亏损。破产登记数量（随之的charge-off率）可以重新上升，不管贷款人的整体状况是否变得更糟糕了。