...发生的机理概述(1)什么是次级抵押贷款美国的住房抵押贷款按借款人的信用一记录和打分、债务和收入比(DebtService to Income,DTI)以及抵押贷款和价值比(Loan to value,LTV)大致可以分为三个层次:(l)优级贷款:对象...
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我们并不总是一个债务大国和低储蓄国家：70年代的美国人将他们10%的收入储存起来，比60年代的美国人略多一些。
We weren’t always a nation of big debts and low savings: in the 1970s Americans saved almost 10 percent of their income, slightly more than in the 1960s.
以最大价值贷款比(LTV)和债务收入比率的形式限制个人贷款上限是另一种选择。
Caps on how much individuals can borrow, in the form of maximum loan-to-value (LTV) and debt-to-income ratios, are another option.
他们指出，英国也是评为AAA级，其财政赤字、债务收入和支付利息的收入比法国的比例更高。
They point out that Britain, which is also rated AAA, has a bigger budget deficit and higher ratios of debt to revenues and of interest payments to revenues than France.
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