美国的贷款购房者也更有可能逃避债务，因为许多抵押资产都“无追索权”，就是说放贷者不能追踪借贷者的其它资产。
American homeowners are also much more likely to walk away from their debts because many mortgages are "non-recourse", meaning that lenders cannot come after borrowers' other assets.
但是他们的做法却与财政部的宏观目标(减少丧失房屋抵押赎回权的概率，清除金融体系中的坏账和负资产，并且恢复借贷的活力)背道而驰。
But in doing so they are working against the Treasury's broader goals: reducing the chances of foreclosure, cleansing the financial system of bad debts and negative equity, and rejuvenating lending.
美国的特殊还在于提供了“无追索权”房贷，可以让借贷人无负债的轻易走开。
America is also unusual in having non-recourse mortgages that let borrowers walk away with no liability.
西方国家的中央银行乐于调整银行利率，却把借贷问题的决策权(谁可以通过什么银行借到多少钱)交给市场。
In the West central Banks are happy to set interest rates for the economy as a whole, but prefer to let the market decide who should lend how much to whom.
虽然，上世纪80年代政策调控者主动放弃了市场的控制权，现在他们却需要重新把它们夺回来，特别是对过度借贷的控制权。
Regulators need to regain the control they happily ceded in the 1980s, particularly over excessive borrowing.
货币资本的借贷是资金盈余者为了获得一定的收益，在一定时期内，将货币资本的使用权转让给资金借入者的行为。
Currency lending capital is a surplus of funds in order to obtain a certain amount of revenue a certain period of time, the right to use capital money for the transfer of funds to borrow.
货币资本的借贷是资金盈余者为了获得一定的收益，在一定时期内，将货币资本的使用权转让给资金借入者的行为。
Currency lending capital is a surplus of funds in order to obtain a certain amount of revenue a certain period of time, the right to use capital money for the transfer of funds to borrow.
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