虽然这样的市场具有很大的投机性，但是并不像美国的“次优级”拆借市场因随意赊欠而加剧坍塌，目前还没有迹象表明会出现损害银行利益的违约不按期偿还按揭贷款的行为。

So far there has been no sign of mortgage defaults hurting Banks, as with the collapse in the "subprime" lending market in America, which was also fuelled by easy credit.

youdao

虽然这样的市场具有很大的投机性，但是并不像美国的“次优级”拆借市场因随意赊欠而加剧坍塌，目前还没有迹象表明会出现损害银行利益的违约不按期偿还按揭贷款的行为。

So far there has been no sign of mortgage defaults hurting banks, as with the collapse in the “subprime” lending market in America, which was also fuelled by easy credit.

youdao

而体制不完善又导致了人们的道德投机，信用体系还未完善，这导致企业在交易过程中不遵守信用；

The credit system has not been perfect yet, This leads to the fact that enterprises do not observe credit in the course of trade;

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