大家好， 文章背景(寫在其他段)是說聯準會蒐集資料來闡述利率和銀行準備金及銀行借貸多寡的 關係。 段落如下： Banks in our sample held about 60 percent of total reserves as of December 2018. On average, the ratio of bank reserves to total assets is 4 percent. Also, total loans make up near two-thirds of our sample banks' total assets, and loans held by our sample banks constitute a material fraction of total loans extended by commercial banks. -------- 試譯 -------- 樣本銀行在２０１８年持有總儲備的６０％。平均每個銀行儲備和總資產比例是４％。 並且總貸款餘額佔了樣本銀行總資產將近三分之二，樣本銀行持有的貸款也構成商業 銀行總展期貸款的一小部分。 -------- 問題 -------- * 最後一句的 a material fraction of 的 material 應該要怎麼理解，實體的一部份？ 聽起來有點多餘，可以去掉嗎？ -------- 備註 -------- 類似的句子還有 "The flip side is a material fraction of households will come out of the crisis with stronger balance sheets than they went in, bc workers in them are still employed, or are getting 100%+ of income replaced by UI, and have spent less. They will have capacity to spend." 另一方面是一部分的家庭相比於危機前，在走出危機時會有更強的資產負債表，因為在 危機時他們沒有被裁員，或是補助大於他們原本的薪資，並且花費的更少。他們將有消費 的能力。 The surprising finding is that a material fraction of seemingly‘middle class’Americans also judge themselves to be financially fragile. 令人驚訝的發現是一部分被視為"中產階級"的美國人也自認財務上並不健全。 感謝各位的回答，謝謝大家。 -- --

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