过度乐观可能会助长不良投资模式，导致出现房地产“泡沫”，但这篇报告的作者对这种潜在后果只是一笔带过，认为这种后果尚未发生。
While excessive optimism can promote bad investment patterns, resulting in a real-estate "bubble," the report's writers downplay that potential outcome in that it has not yet occurred.
在雷曼兄弟破产后，许多全球最大的银行都曾担心出现最糟糕的情况，因为房地产泡沫的破裂暴露了它们在高风险贷款方面的投资。
After the failure of Lehman Brothers, many of the world's largest banks feared the worst as the collapse of the housing bubble exposed investments in risky loans.
她说，美国的投资银行做出了过度的贷款，制造了一个房地产泡沫，并且导致借贷者因为坏帐而出现资不抵债的现象。
She says American investment Banks have made excessive loans, which created a real estate bubble and made the lenders insolvent on bad debt.
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