如果你不能偿还抵押贷款，贷款人可以没收财产并卖掉它。
If you fail to pay on the mortgage, the lender can seize the property and sell it.
也许你可以从其他渠道筹集资金，从更多的贷款人那里获得小额贷款。
Maybe you could gather capital from other sources, smaller loans from more lenders.
贷款人的身份也发生了变化。
但是，小额贷款人还是对此感到不安。
债务是债务，每一个借款人都有贷款人。
潜在的债务人太多而可靠地贷款人太少。
There are too many potentially needy debtors and too few credible lenders.
但是他们的贷款人表示，他们的信用风险不好。
中央银行应该在金融市场中扮演最终贷款人的角色。
The central bank should also serve as as a lender of last resort to the money market.
而且私人贷款很难设法逃避，即使贷款人已经破产。
And they are very hard to wriggle out of, even if the borrower goes bankrupt.
和它们被归为一类不仅仅是吓跑了规避风险的贷款人。
Being bracketed together does not just scare away risk-averse lenders.
然而，大多数西班牙贷款人仍然将信贷批发市场拒之门外。
Yet most Spanish lenders are still shut out of the wholesale credit markets.
彼时，由于实际利率的下降，贷款人必须提供额外的信用。
Lenders must then be induced to provide additional credit through reductions in the real interest rate.
但是，贷款人很难得到贷款的比例在继续增长(见图表)。
But the percentage of would-be borrowers finding loans hard to get continues to grow (see chart).
这并不是日航的股东和商业贷款人所愿意见到的。
That is not what JAL's shareholders and commercial creditors want.
巴塞尔协议是设计成处理另外一个问题：即大贷款人会违约。
The Basel accord was designed to deal with a different problem: that big borrowers might default.
正如我在以前的文章所说的，对于每个借款人来说都有贷款人。
As I said in the previous post, there is a lender for every borrower.
那些出借人由于不能分辨贷款人的好坏，变得不愿意将钱出借。
Lenders who cannot distinguish good borrowers from bad become less willing to lend to anyone.
假如贷款人同时也是其债权人供应商的话，就更是如此。
This would be all the more true if the recipients were suppliers to their creditors.
如果市政贷款人缺乏透明性，那么投资者可以依赖信用评级机构。
Investors depend on credit ratings, given municipal borrowers' lack of transparency.
他们正试图限制信贷总量，但是发现贷款人有足够能力去规避限制。
They're trying to impose quantitative limits on credit, but are finding that borrowers have enough influence to circumvent the limits.
他说，如果形势恶化，该行将考虑采取提高贷款人贷款标准等措施。
If the situation worsens, he says, the bank will consider steps like raising the hurdles for borrowers.
至少可以说，提升贷款利率的政策对贷款人来说是敏感的。
The politics of ramping up lending rates to taxpayers is sensitive, to say the least.
但协议的一个关键部分在于私营部门债权人和官方贷款人之间的分歧。
But a crucial part of the deal was the divide between private-sector creditors and official lenders.
美国国家金融公司，是美国最大的抵押贷款人，是由美国银行救援的。
Countrywide, America's largest mortgage lender, was bailed out by Bank of America.
当然，传统贷款人也会筛选借款人的信息，以确定贷款给他们的风险。
Of course, conventional lenders sift through information about borrowers to decide whether someone is a good risk.
观察人士说，接受这类钓饵利率的贷款人往往不懂他们签押的到底是什么。
Observers say borrowers who took such teaser rates often did not understand what they were signing up for.
银行业在发放贷款方面有所选择，可能排除了许多潜在的贷款人。
Banks have also been selective in giving loans, which could be freezing out many potential buyers.
在一个现代的银行挤兑过程中，夺路而逃的多是机构贷款人，而不是个人存款。
In a modern bank run, the actors rushing for the exits are institutional lenders not individual depositors.
最终贷款人政策包括临时性地增加偿债能力、回归与价格稳定一致的价格路线。
Lender of last resort policy involves temporarily expanding liquidity and then returning to the price path consistent with price stability.
贷款人并没有采取联邦利率贷款给客户，而在正常情况下，他们是会这样做的。
Lenders have not passed recent Fed rate cuts through to customers the way they would in normal times.
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