成年人的问题是，有一大堆重要的事情要处理——工作、按揭贷款、弄清楚晚餐该做什么。
The problem with being a grown up is that there's an awful lot of serious stuff to deal with—work, mortgage payments, figuring out what to cook for dinner.
长大后的问题是，有一大堆重要的事情要处理，从工作、按揭贷款到晚餐该做什么。
The problem with being a grownup is that there's an awful lot of serious stuff to deal with—work, mortgage payments, figuring out what to cook for dinner.
中止有问题速度贷款项目本身不能为穷人带来结果。
Suspending loans on problem projects by itself does not deliver results for the poor.
许多银行“在他们的账本上依然有大量的问题贷款，银行贷款标准依然紧张。”伯南克说。
Many Banks still have "a large volume of troubled loans on their books, and bank lending standards remain tight," Bernanke said.
考虑到银行贷款一半以上是国营企业的现状，这两个部门的的问题有很密切的联系。
With half of all bank loans going to SOEs, the problems of the two sectors are closely interlinked.
较深层次的问题是这些微量贷款到底有多大用。
A deeper question is just how helpful such tiny loans really are.
但是小额贷款的问题或许有其深层次原因。
由此引起的问题就不光是他们是否有能力偿还贷款了，而会还牵涉到他们愿不愿意偿还。
This raises the question of whether willingness to pay will have to be addressed along with ability to pay.
问题是，如果当下那些大手大脚提供贷款的角儿有一天垮掉了- - -这似乎不可避免- - -是否会有足够的保护措施呢？
The question is, will that be enough protection when some of the current lending binge turns sour, as it almost inevitably will?
现在国会里有很多人都在讨论这个问题，我们需要思考关于，能用来保护个人权益的新法规，像房主贷款公司和联邦住宅管理局的制度。
We need — and there's a lot of talk in Congress right now -we need to think about new regulations that protect individuals, much like the regulations that the HOLC and the FHA made.
国有银行有可能充斥着问题重重的贷款。
The state Banks have probably been loaded with questionable loans.
不过，有观点认为，对贷款标准和风险管理进行更有效的监管，能防止未来出现这样的系统性问题。
But better regulation of lending standards and risk management, the argument goes, will prevent such systemic problems in the future.
所以，贷款还得继续，而且随之而来的有一个问题。
So the borrowing will continue. And that poses another problem.
此外，“机器人签名”丑闻银行被指采用了有问题甚至可能是欺诈性的收房过程——余波也还没有完全消除，而按揭贷款的审批也将陷入停滞。
Add in the fallout from the "robo-signing" scandal, in which Banks were accused of using flawed and possibly fraudulent foreclosure processes, and mortgage approvals will stay sluggish.
另外一个容易被忽视的问题是，另类借贷产品在加州相当普遍，但由于加州是美国最大的房贷市场，贷款池中不可避免有大量来自那里的贷款。
Another is that it is hard to avoid heavy exposure to mortgages from California, the biggest market in America, where alternative products were popular.
这家美国最大的银行上周股价下跌8.1%，各州检察长启动对房屋止赎过程的调查，外界猜测投资者会强迫银行收回有问题的贷款。
The biggest U. s. bank by assets declined 9.1 percent last week amid scrutiny of foreclosure practices and speculation that investors may force lenders to buy back faulty loans.
这是很难说你是低收入的按揭贷款，有风险，这是另一个问题。
It is hard to say you are low-income mortgage loans, there is risk, which is another issue.
随着新季度来临，这些数据将进一步恶化，因为会计数据要作更正，（一些资产评估有问题） ，还有就是抵押贷款还在继续拖欠。
In coming quarters, these figures may deteriorate because of accounting adjustments (some of the assets are questionable) and continuing defaults on mortgages.
这里有一些问题要问你的贷款，使你能作出明智的决定。
Here are some questions to ask your lender so that you can make informed decisions.
尤其令人担心的是，银行向有问题的基础设施和工业项目提供贷款失去控制，加剧了原材料价格上涨和能源短缺的状况。
Of particular concern is runaway bank lending to questionable infrastructure and industrial projects that are driving up commodity prices and ex - acerbating power shortages.
他表示，因为售出的是有问题的贷款，所以定价会低于资产的名义价格。
He said that because the loans sold off would be troubled, they would fetch prices below their face value.
有很多预兆，每个人都知道会有问题，但他们却我行我素。因为贷款很容易。
There were warning signs and everyone knew there were, yet they carried on because it was so easy to access loans.
问题的另一方面是猜疑其他银行的资产有可能用于救助贷款。
Another part of the problem is suspicion about the assets that other Banks might use to secure a loan.
三月，美联储没有批准美国银行提升它的分红，原因是不知道美国银行抵押贷款的问题有多严重。
In March, the Federal Reserve didn't allow Bank of America to increase its dividend, citing uncertainty about the depth of its mortgage problems.
电脑已经强大到可以收集、汇总数以兆兆字节计的信息来回答各种问题，从如何安排员工薪酬待遇，到某支抵押贷款债券的风险有多大，无所不包。
Computers are powerful enough to gather and synthesize terabytes of information to answer questions ranging from how best to compensate employees to how risky is that mortgage-backed security.
然后从计算方法上，将该贷款组合优化问题归结为一类有上下限的非连续、多峰的特殊背包问题。
Then, analyzed from calculation methods, this model is a type of Knapsack Problem with restrictions between lower-limit and upper-limit, which is a discontinuous and multi-maximum complicated problem.
目前，学费拖欠问题在提供国家助学贷款前提下仍然存在，原因有多个方面。
At present, the issue of tuition fees in arrears in the country to provide student loans under the premise still exists due to a number of aspects.
原来只要房价在涨，次贷产生的问题就不大，因为还款有困难的房贷户还可以卖掉房子获取利润，然后偿还贷款。但是，一旦房价下跌，有经济困难的房主被套牢，次级贷款市场上，丧失抵押品赎回权的数量骤增。
As long as home prices were rising, this caused few problems because borrowers who had difficulty repaying their loans could sell their houses at a profit and pay off the loan.
原来只要房价在涨，次贷产生的问题就不大，因为还款有困难的房贷户还可以卖掉房子获取利润，然后偿还贷款。但是，一旦房价下跌，有经济困难的房主被套牢，次级贷款市场上，丧失抵押品赎回权的数量骤增。
As long as home prices were rising, this caused few problems because borrowers who had difficulty repaying their loans could sell their houses at a profit and pay off the loan.
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