对它们来说，资不抵债的风险基本已由社会综揽。
For them, the risk of insolvency has been somewhat comprehensively socialised.
大约四分之一的借款人目前属于资不抵债的状态。
雷曼对于资不抵债的恐惧缓解了，而这是危险的。
方法之一是债务违约，这恐怕需要有人拿钱救助那些资不抵债的银行。
One way would be by a default, perhaps accompanied by a bailout of banks whose solvency is endangered by the default.
如果一个资不抵债的希腊将必须重组，这是不可避免的，那么它最好现在就重组。
If it is inevitable that an insolvent Greece is going to have to restructure, it would be better for Greece to do it now.
然而，一个健全的银行不会因这种攻击而出现流动性不足或资不抵债的问题。
However, a sound bank would not become illiquid or insolvent by such an attack.
它不会出现负值，对于亏损企业和资不抵债的企业，也可以计算出一个有意义的价值乘数；
No negative figure, which can be applied to loss making enterprises or enterprises unable to meet their debts;
资不抵债的污名如此强烈，尤其在家族企业中，所以企业主仅在太迟了的时候才承认他们有麻烦。
The stigma of insolvency is so strong, especially among family-owned firms, that owners may admit they are in trouble only when it is too late.
但是现实中很多企业出现资不抵债的情况，不得不走向破产的道路，因此破产法的适用日益广泛。
But in reality many companies appear unable to repay debt and insolvent circumstances, the road will have to go bankrupt, the insolvency law also increasingly widespread use.
她说，美国的投资银行做出了过度的贷款，制造了一个房地产泡沫，并且导致借贷者因为坏帐而出现资不抵债的现象。
She says American investment Banks have made excessive loans, which created a real estate bubble and made the lenders insolvent on bad debt.
既然几十年来充足的流动性能够一直支撑资不抵债的银行业，那么为什么不能支持股市泡沫的持续膨胀呢？
If abundant liquidity could keep insolvent Banks afloat for so many years, why can it not keep the bubbly stock market rising?
借款人只需要付出很少的资本来防范价格的下跌，因此泡沫破裂就造成了大量高风险借款人处于资不抵债的状况。
With very little equity in their homes to protect them from a drop in prices, lots of high-risk borrowers quickly became submerged when the bubble burst.
决策者可能担忧房地产问题对失业率的影响——资不抵债的屋主可能无法为工作而搬家——但更要命的影响还在别处。
Policymakers may worry about the effect of housing problems on unemployment-homeowners in negative equity may not be able to move in search of jobs-but the more important effect runs the other way.
所以说，美国的银行体系实际上已处于总体资不抵债的状态，而英国银行体系的大部分和欧洲大陆的很多银行看来也是一样。
So, the US banking system is effectively insolvent in the aggregate; most of the British banking system looks insolvent, too, as do many continental European Banks.
如果希望消费者有更多支出，解决资不抵债的按揭贷款或许有帮助，但降低涉及数以百万计的美国人支付的信用卡利率，或许会更管用。
If you want consumers to spend more, fixing the mortgages of those underwater may help. But lowering the interest rate millions more Americans pay on their credit CARDS would help much more.
现在不再有这么残酷的事了。但欧洲国家和美国相比，对资不抵债的公司的处理办法仍要严厉些。而且绝大多数这类公司都以破产清算结束。
Things are not quite so brutal these days, but European countries still deal with insolvent firms far more harshly than America does, and most such firms end up in liquidation.
两者的问题都是资不抵债，而不仅仅是流动性短缺。
In both cases the problem was insolvency, not just a shortage of liquidity.
当人们担心出现大量的资不抵债时，贷款机构不再放贷，债务人停止消费。
When people fear mass insolvency, lenders stop lending and the indebted stop spending.
尽管美联储的决定解决了华尔街流动性枯竭的燃眉之急，但危险远未过去——衰退可能带来巨大损失，足以使银行资不抵债。
Even if that solves Wall Street's immediate worries over liquidity, it still leaves the danger that recession will lead to such big losses that Banks are forced into insolvency.
金融监管者则倾向于认为，陷入困境的银行只是暂时的流动性不足，而非长期的资不抵债。
Financial supervisors want to believe that troubled Banks are temporarily illiquid, not permanently insolvent.
如借款人资不抵债，银行首先用其成员国缴纳的资金全力给予支持，然后要求其成员国再追加认购股金。
If the borrower defaulted, the Bank would first use up the money paid in by its member countries, then call on them to contribute more.
如果免去票面金额一半的债务依然资不抵债，那该怎么办呢？
If losing half the face value of a bond does not amount to a default, what does?
在没有破产制度的情况下，企业或者个人资不抵债时会怎么做呢？
What does a firm or an individual do when it is broke and there is no bankruptcy regime?
无论出于什么原因，变成资不抵债甚至被银行没收的房屋数量远远高于预期。
Whatever the reasons, the number of properties that have gone into negative equity and into foreclosure is much greater than expected.
叫人泄气的是，他的“要做”清单在一些最棘手的问题上却不尽人意，比如对资不抵债银行的国家接管，以及处理有毒资产和违约按揭等问题。
His to-do list was dispiritingly inadequate on some of the thorniest problems, such as nationalising insolvent banks, dealing with toxic assets and failing mortgages.
叫人泄气的是，他的“要做”清单在一些最棘手的问题上却不尽人意，比如对资不抵债银行的国家接管，以及处理有毒资产和违约按揭等问题。
His to-do list was dispiritingly inadequate on some of the thorniest problems, such as nationalising insolvent banks, dealing with toxic assets and failing mortgages.
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