在过去，家庭金融公司和其它小额放贷者对顾客收取的年利息率高达30%以上，法定的还更高。
Household Finance and other lenders of small amounts to consumers used to charge over 30 percent annual interest, and more when that was legal.
美国银行账面损失迅速增长。在购买了美国最大的次级家庭贷款企业美国国家金融服务公司后，就招致诉讼不断。
BoA ran up record losses and became a magnet for litigation after its purchase of Countrywide, once the US's largest sub-prime home loan firm.
而在金融风暴到来时最脆弱的货币，当属该国银行业、公司、家庭大量举借短期外债的货币。
The most vulnerable currencies when financial storms break, however, belong to countries whose banks, companies and households owe large amounts of short-term debt denominated in foreign money.
当家庭和金融公司大肆借贷之时，非金融公司却保持着清醒冷静的头脑。
While households and financial firms went on a borrowing binge, non-financial firms stayed fairly sober.
现在家庭债务几乎是GDP的100%，而非金融公司债务达到了GDP的140%。
Household debt is now the equivalent of almost 100% of GDP and the debt of non-financial companies is nearly 140%.
“这就像给予幼儿园小朋友自己选择家庭作业的权利”一家金融咨询公司（Japaninvest）的评论员StephenChurch这样说道。
“It’s like giving a schoolchild the right to choose his own homework, ” says Stephen Church of Japaninvest, a financial consultancy.
“这就像给予幼儿园小朋友自己选择家庭作业的权利”一家金融咨询公司(Japaninvest)的评论员StephenChurch这样说道。
"It's like giving a schoolchild the right to choose his own homework," says Stephen Church of Japaninvest, a financial consultancy.
或是时运不济，三年前美国银行在房地产泡沫破裂之时收购了家庭抵押贷款型公司—美国国家金融服务公司(Country wide Financial Corp)，目前正官司缠身，面临信用问题。
The bank is fighting lawsuits and credit problems related to its ill-fated acquisition of home mortgage lender Countrywide Financial Corp three years ago as the U.S. housing bubble burst.
银行和金融公司开始提供次级住房贷款，第一年零首付，使低收入家庭也能购买房子。
Banks and financing companies began to offer subprime mortgage loans and induced low income families to purchase houses by waiving principal payments for the first few years.
此外，如果中国公民对国内金融体系失去信心，资本外流可能要比目前大得多，公司和家庭都会想方设法绕过汇率管制。
Furthermore, if Chinese citizens lose confidence in the financial system, the capital outflow could become much larger, as firms and households seek ways to avoid currency controls.
此外，如果中国公民对国内金融体系失去信心，资本外流可能要比目前大得多，公司和家庭都会想方设法绕过汇率管制。
Furthermore, if Chinese citizens lose confidence in the financial system, the capital outflow could become much larger, as firms and households seek ways to avoid currency controls.
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