打包贷款证券是按照市价估值的，这意味着损失通常已经在资本中被剔除了。
Securities of packaged loans are marked to market, meaning losses have typically already been taken through capital.
这项保险措施旨在缓解公众对银行损失程度的担忧，并使债券市场复苏（银行将贷款打包成债券并在这类市场上出售）。
The insurance would be aimed at easing worries about the extent of banks' losses and at reviving the market for securities into which banks repackage the loans.
对于确定、定价和管理那些重新打包的贷款对于银行来说是天赋的滥用，因为这项工作的利润率只有0.03%，但是如果额度大的话，利润收入也是很可观的。
Repackaging loans identified, priced and managed by the Banks is, therefore, a waste of their talents. The margins on this work can be as low as 0.03%.
债务方，也起诉了他们的债权人和将他们的贷款打包的华尔街公司。
Borrowers, too, are suing both their lenders and the Wall Street firmsthat wrapped up their loans.
这包括将贷款打包，并卖给外部投资人。
It involves bundling loans into packages that are then sold to outside investors.
和居住抵押一样，办公和商铺贷款也是打包成证券卖给了投资者。
Like residentialmortgages, loans for offices and shops have been bundled up and sold toinvestors.
Discover表示，8月份冲销了9.16%的已经打包成债券的信用卡贷款，冲销率高于7月份的8.43%。
Discover said it wrote off 9.16% of credit-card loans that have been packaged into bonds in August, up from 8.43% in July.
尽管做出了以上努力，可是企业和消费者的银行贷款数量还是在不断降低，与此同时打包给消费者的贷款和资产支持证券也未能幸免于难。
In spite of that, bank loans to business and consumers are falling, as are loans packaged into private, asset-backed securities.
其中一个教训就是，捆绑住房贷款并打包出售它们，那些贷款风险造成财务黑洞，而没有任何人可以对此负责。
One lesson is that bundling home loans and reselling them without anyone being held responsible for the risk of those loans creates financial black holes.
这家银行似乎把已经打包发售给其他银行的贷款仍然登记为资产。
The bank seems to have sold bundled loans to other Banks while keeping them recorded as assets.
一直以来，美国的住房抵押贷款支持证券(rmbs)都发行，这种证券就是把许多房屋贷款集合在一起打包出售给投资者。
Residential mortgage-backed securities (RMBS), bundles of home loans that are spliced together and sold to investors, are being issued all the time in America.
但现在，各家公司背负各种不同债务，或已经把负债抵押贷款重新打包销往世界各地。
These days companies may have several different types of debt, or leveraged loans that have been repackaged and sold round the world.
而在随后破产的雷曼兄弟，在其被打包成证券产品的按揭贷款样品中有74%符合承销指南。
At Lehman Brothers, which later filed for bankruptcy, 74 percent of the mortgages sampled and then packaged up as securities met underwriting guidelines.
抵押贷款和商业借款被打包贴现到新银行的资产中。
Packages of mortgages and business loans were transferred at a discount to be the new Banks' assets.
银行开始拆开由住房和商业抵押贷款打包成的证券，然后重新打包成市场专家所谓的“迷你债权抵押证券”。
Banks are disassembling securities produced by bundling home and commercial mortgages and repackaging them into what market experts describe as mini-CDOs.
对投资银行来说答案也很重要，因为投行将这些证券打包，通常拥有发行抵押贷款的子公司。
It also matters to investment Banks, which packaged the securities and often own subsidiaries that originate mortgages.
如同房利美和房贷美一样，该公司通过买入、打包和转售按揭贷款，成为贷款批发市场上一支巨大的力量。
Like Fannie and Freddie it has become a huge force in the wholesale market by buying, packaging and reselling mortgages.
高风险的次级贷款结合了高评级的优质贷款 打包成了“住房抵押贷款债券”（MBS）。
Risky, subprime loans, were combined with top rated, prime loans, andpackaged as Mortgaged Backed Securities (MBSs).
国会使房利美和房地美从银行抵押贷款，之后打包成债券重新出售给投资者。
Congress created Fannie Mae and Freddie Mac to buy mortgages from lenders and package them into bonds that are resold to investors.
担保债权凭证“是一种将有稳定收入流的固定资产组合，如住房抵押贷款打包而成的有价证券。”
"Collateralized Debt Obligations" are securities based upon a portfolio of fixed income-producing assets, such as home mortgages.
华尔街上众银行将大量的次优贷款打包重组，并以此发行住房抵押贷款担保证券(MBS)，卖给贪图高收益的投资者(见下图)。
Wall Street Banks did a roaring trade packaging bunches of subprime loans into mortgage-backed securities, and selling them on to investors, greedy for yields (see chart).
与此相反，担保债券的付款是由银行担保的，无论打包的贷款表现有多糟。
In contrast, covered bonds have payments that are bank-guaranteed regardless of how poorly the packaged loans perform.
监管机构正准备出台新规则，以遏制银行把贷款打包成理财产品的能力，这将有助于降低系统性风险，但将加大银行利润所受的压力。
Regulators are preparing new rules to curb 8 banks' ability to package loans into wealth management products, which will help to reduce systemic risk but add to pressure on bank profits.
大部分美国住房贷款都被打包成证券，向投资者出售。
The bulk of U. s. home loans are packaged into securities and sold to investors.
大部分美国住房贷款都被打包成证券，向投资者出售。
The bulk of U. s. home loans are packaged into securities and sold to investors.
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