Question

考试要考翻译，把英语翻译成中文，求帮忙翻译下，感激不尽！一共4段英语

Outside the euro area, banks’ pre-tax profits improved last year but remained
generally below pre-crisis averages. Interest rate margins did not contribute as
much as in previous years. They remained mostly flat globally, and in some cases
even declined (eg in the United States). Instead, lower credit-related costs were the
main factor at work. Loan loss provisions have been declining in most countries,
reflecting the economic recovery and progress in loss recognition.
In the euro area, the picture was quite different. Profits remained lacklustre.
Sovereign debt strains continued to affect asset quality, and a stagnating economy
compressed revenues. Banks are stepping up their effort to deal with impaired
balance sheets ahead of the ECB’s asset quality review later this year, as witnessed
by the recent spike in the write-off rate.
Recent developments in the Chinese banking sector illustrate the benefits of
retaining earnings as a buffer against losses. As economic growth in China
weakened, borrowers in the country came under financial strain and the volume of
impaired loans ballooned. By drawing on their reserves, however, the five largest
Chinese banks were able in 2013 to absorb credit losses twice as large as a year
earlier, post strong profits and maintain high capital ratios.
Investment banking activity produced mixed results. Revenues from merger
and acquisition advisory business and securities underwriting strengthened, aided
by very robust corporate debt issuance. By contrast, secondary market trading of
fixed income products and commodities weakened, dragging down related revenues
and, alongside a tougher supervisory stance, leading several large capital market
players to trim their trading activity. Legal risk also played a role. Intensifying official
probes into market benchmark manipulation have resulted in very large fines in
recent years.

Answer 1

欧元区以外,银行的税前利润去年有所改善,但依然存在
一般低于危机前的平均水平。利率利润没有贡献
在前几年。他们在全球范围内保持基本持稳,和在某些情况下
甚至拒绝(如美国)。相反,降低信贷相关成本的
主要因素在起作用。贷款损失准备金不断下降在大多数国家,
反映出经济复苏和损失识别的进展。
在欧元区,这张照片是很不一样的。利润仍然低迷。
主权债务危机继续影响资产质量,和停滞不前的经济
压缩的收入。银行正在加紧努力处理受损
资产负债表之前,欧洲央行的资产质量回顾今年晚些时候,见证了
由于近期注销率。
最近中国银行业的发展说明的好处
留存收益作为一个缓冲损失。在中国随着经济增长
削弱,借款人在中国受到金融应变和体积
不良贷款激增。通过利用外汇储备,但是,五大
2013年中国银行能够吸收信贷损失的两倍
早些时候,公布强劲的利润和保持较高的资本比率。
投资银行业务活动产生了不同的结果。收入合并
和收购咨询业务和证券承销加强,辅助
非常健壮的企业债券发行。相比之下,二级市场交易
固定收益产品和大宗商品减弱,拖累相关收入
与立场更严格的监督,主要几家大型资本市场
玩家削减他们的交易活动。法律风险也起到一定的作用。加强官方
探讨市场基准操纵导致非常大的罚款
最近几年。

追问

这翻译软件翻译的不行啊 晕