但在经济衰退或金融危机向其招手的时候，美联储便大幅下调利率，并担当起最终借款人的角色。
But when a recession or financial blow-up beckoned, it slashed rates and acted as a lender of last resort.
贷款对最终借款人而言通常是负债，在某一事先确定的期限结束前需要偿还，并且负有支付利息的责任。
Loans are often liabilities of ultimate borrowers, are usually repayable by the end of some predetermined period, and carry an obligation to pay interest.
可以说，最终储蓄者和最终借款人处于金融体系的最边缘，金融体系为他们的需求服务，他们是金融体系存在的最根本理由。
It is the ultimate savers and ultimate borrowers who are, as it were, on the periphery of the financial system, whose needs it serves and who provide the rationale for its existence.
再如美国取消回赎权诈骗，声称帮助负债业主，但不过是从借款人那里诈骗更多佣金，最终造成他们背井离“家”。
Or the American foreclosure scams which claim to help indebted homeowners but simply bilk the borrower for more fees and bring forward their eventual eviction.
借款人可能最终会在按揭合同中捆绑这类衍生品，作为住宅权益的一种保险。
Lenders could end up wrapping these derivatives into mortgage contracts as a form of home-equity insurance.
要知道，在诚信的借款人眼里，所有的贷款最终都是要偿还的，所有的信贷都是债务。
Now all loans, in the eyes of honest borrowers, must eventually be repaid. All credit is debt.
我认为把借款人描绘成最终的北京烤鸭是过于天真了。
I think it would be quite naive to portray the borrowers as the ultimate Peking ducks.
“如果借款人无法支付，最终是会得到抵债无论如何，”他说。
"If the borrower can't pay, eventually it will get foreclosed anyway," he said.
“如果借款人无法支付，最终是会得到抵债无论如何，”他说。
"If the borrower can't pay, eventually it will get foreclosed anyway," he said.
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