In finance the "originate and distribute" model of bank lending may have dispersed risk, but it also meant that a problem in the American housing market damaged Banks all over the world.

在金融领域，“贷款并证券化(originate and distribute)”的银行借贷模式能够分散风险，但也意味着只要美国房地产市场出现问题，全世界的银行都要受到损害。

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The evidence shows that the private market can originate, securitize and distribute home mortgages efficiently on its own.

证据表明私营的市场有能力自行产生，债券化和分配住房抵押贷款。

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This may not seem very different from the "originate-to-distribute" securitisation models that flourished in America and parts of Europe in recent years.

这看起来与近几年在美国和部分欧洲国家风行的“贷款并证券化”模式并没有太大区别。

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This "originate-to-distribute" model gave lenders (and, thus, mortgage borrowers) greater access to capital markets, lowered transaction costs, and allowed risk to be shared more widely.

NPR: Transcript: Bernanke on Mortgages, Foreclosures

The originate-to-distribute model seems to have contributed to the loosening of underwriting standards in 2005 and 2006.

NPR: Transcript: Bernanke on Mortgages, Foreclosures