发行者可能会发现其它来源的债券，比如说美国12家联邦家庭贷款银行的贷款更加便宜。
Issuers might find that other sources of funding, such as advances from America's 12 Federal Home Loan Banks, are cheaper.
12家向按揭银行贷款的行业性联合经营的联邦家庭贷款银行也在向这些大型证券承销商索赔。
Five of the 12 Federal Home Loan Banks, industry-owned co-operatives that lend to mortgage banks, are also pressing claims against the big securitisers.
美国旧金山联邦储备银行的鲁文·格里克和凯文·J·兰辛估计，为了恢复平衡，美国人必须把目前为4%的家庭储蓄率在2018年结束前提高到10%。
Reuven Glick and Kevin J. Lansing of the San Francisco Fed estimate that Americans will have to increase their household savings rate from 4 percent to 10 percent by 2018 to restore balance.
自从在90年代初，在三年内，超过800家联邦保险机构倒闭，银行业的基础已经不稳固了，现在在高风险家庭贷款上的巨大损失，更使银行业的大厦摇摇欲坠了。
Weakened by huge losses on risky home loans, the banking industry is now on the shakiest ground since the early 1990s, when more than 800 federally insured institutions failed in a three-year period.
不过纽约联邦储备银行(the Federal Reserve Bank of New York)近日指出，美国家庭减少了在教育、娱乐和外出就餐等个人可支配性服务上的支出，这是个不同寻常的现象。
But as the Federal Reserve Bank of New York recently noted, what has been unusual is the decline in spending on discretionary services like education, entertainment and meals at restaurants.
不过纽约联邦储备银行(the Federal Reserve Bank of New York)近日指出，美国家庭减少了在教育、娱乐和外出就餐等个人可支配性服务上的支出，这是个不同寻常的现象。
But as the Federal Reserve Bank of New York recently noted, what has been unusual is the decline in spending on discretionary services like education, entertainment and meals at restaurants.
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