上海市监管人员在2月4日表示，如果房地产价值下滑10%，上海的违约抵押贷款将增至原来的3倍。
A 10% fall in property values would triple the number of delinquent mortgages in Shanghai, regulators in the city said on Feb. 4.
你可能会说，美国房地产，是与市政债券保险公司完全不同，但是当房地产行业开始衰退，人们就开始对抵押贷款违约。
The housing sector in the United States, you might say, is completely different from municipal bond insurers; but when the housing sector starts going down, people start defaulting on their mortgages.
在斯托克顿城，失业率已经达到17%，在市郊一个叫作威斯顿牧场的社区，几乎三分之一房主的抵押贷款处于欠款违约中。
In the city of Stockton, unemployment has reached 17 percent, and in a neighborhood on the outskirts of town, called Weston Ranch, almost one-third of homeowners are in default on their mortgage.
但是这些工具的复杂性和数量使的银行很难知道谁将承担额外的自于美国次级抵押贷款的违约风险。
Yet the complexity and number of such instruments lie behind banks' difficulties in knowing who will bear the ultimate exposure to defaults on American subprime mortgages.
新破产法扩大了金融交易的范围和定义，添加了破产法以前没有涵盖的信用违约互换和抵押贷款回购协议。
The new code expanded the scope and definition of financial transactions not covered by bankruptcy rules to include credit default swaps and mortgage repurchase agreements.
眼前的这场危机肇始于房地产泡沫的破裂，继而引发了广泛的抵押贷款违约，给许多金融机构造成巨大的损失。
The current crisis started with a burst housing bubble, which led to widespread mortgage defaults, and hence to large losses at many financial institutions.
如果美国人不能使自己的财务好转(如果抵押贷款违约和信用卡不良行为继续走高)，银行会害怕放贷，萧条会逗留不去。
If Americans don't get their finances in better shape - if mortgage defaults keep rising and credit card delinquencies soar - Banks will remain afraid to lend, and the recession will linger.
在充满风险的次级抵押贷款市场上，已经显现出了令人沮丧的迹象：违约和赎回权取消现象大幅增加。
At the risky, subprime end of the mortgage market, there are already signs of distress: defaults and foreclosures have been soaring.
即使预期的违约风险很高，仍可以通过诸如有足够的贷款补偿损失的超额抵押技术，从而降低风险。
Even if those predicted default rates are high, the risk can be mitigated by techniques such as overcollateralisation, where there is an excess of loans to cover losses.
FHA担保的抵押贷款，8月份违约率已经从一年前的5.7%上升至8.1%。
The default rate on FHA-insured mortgages was already running at 8.1% in August, up from 5.7% a year ago.
另外，微型金融依靠的是竞相还贷的趋同心理，这也必定让主流银行家们眼红，因为他们要疲于应付日渐增多的抵押贷款违约(表现为日益上升的止赎率[注4]和越来越多的寄钥匙的包裹[注5])，而微型金融的违约率微乎其微。
And microfinance’s reliance on peer pressure for repayment must be the envy of any mainstream banker struggling with rising foreclosures and “jingle mail”; delinquency rates are microscopic.
迄今为止，观察过次级抵押贷款者还款规律的经济学家都指出，当房产价格达到顶峰并开始下滑时，并不是所有的次级借贷者都违约。
Yet economists who have looked at the pattern of payments on subprime mortgages point out that even when house prices topped out and then began to fall, not all subprime borrowers defaulted.
我有一套自己的计划，能够通过抵押贷款再融资计划稳定房屋价值并再次实现增值，这样你们的邻居就不必违约，也不会拖累你们自己的房子贬值。
I have a plan to protect the value of homes and get them rising again by refinancing mortgages so your neighbor won't default and further drag down the value of your house.
2007年，全国各地住房抵押贷款违约引发了高风险的次级房贷市场崩溃，造成了70年来最严重的经济衰退。
In 2007, mortgage defaults around the country sparked a crash in the high-risk sub-prime mortgage market, creating the worst recession in 70 years.
银行和其他债权方将会避免这样。二，欧洲央行（ECB）已经说明了充足的违约债务不能用于中央银行的抵押物，但是自愿性的新贷款可以作为央行的抵押物。
Second, the ECB has indicated that restructured debt that is the result of a default will not be eligible as collateral at the central bank while new loans that are voluntarily made will be.
这样会产生一个副作用：欧洲央行已明确表示，在它提供贷款时，不会接受违约债券作为抵押。
That has a side effect: The European Central Bank has made clear it wouldn't accept defaulted bonds as collateral for its lending operations.
但随着抵押贷款违约人数上升及失业率趋近7%，美国的消费者面临选择无几，不得不开始节俭储蓄。
But with mortgage delinquencies surging and the unemployment rate headed towards 7%, American consumers may have little choice but to start saving.
美国房屋抵押贷款违约率依旧在上升：第一季度的季节性调整利率仍然是所有类别中较高的。
Delinquencies on American mortgage loans are still rising: the seasonally adjusted rate in the first quarter was higher across all categories.
通过一级交易商信贷便利发放的贷款，都有抵押品担保，并且进行了贴现，这样一来，万一发生违约，而美联储不得不卖出抵押品时，美联储可以避免承担损失风险。
Loans made under the PDCF were secured by collateral and discounted to protect the Fed from risk of loss should it have had to sell collateral in the event of a default.
在总体债务水平下降最快的美国，家庭负债减少有很多是住房抵押贷款违约和价值减记的结果。
In America, where overall debt levels have fallen fastest, a lot of the reduction in household debt has been thanks to mortgage defaults and write-downs.
另外，很多州授予贷款机构不同程度的权限，让它们没收抵押贷款违约者的银行存款、汽车或其他资产。
In addition, many states give lenders varying degrees of scope to seize bank deposits, cars or other assets of people who default on mortgages.
而因信贷危机和房产迅速贬值所引发的贷款违约潮则使抵押贷款业务受到重创。
It has been battered by floods of loan defaults caused by the credit crunch and plummeting home values.
当美国对国内最大的两家房屋抵押贷款机构房利美和房地美实行救市计划时，其信用违约掉期的利差迅速扩大。
When America bailed out Fannie Mae and Freddie Mac, the country's two big mortgage agencies, its CDS spreads widened sharply.
商业抵押担保贷款违约率升高连同不良建筑业贷款一起，可能将造成美国银行在商业物业上损失两千到两千三百亿美元。
Together with bad construction loans, that could push the losses of American banks on commercial property to $200 billion-230 billion.
它最大的客户是一些欧洲银行和美国投资银行，这些大客户购买CDS以免遭各种债务头寸违约风险，这些债务头寸包括住房抵押贷款和企业贷款的汇集。
Its biggest customers, European Banks and United States investment Banks, bought the swaps to insure against defaults on a variety of debt holdings, including pools of mortgages and corporate loans.
它最大的客户是一些欧洲银行和美国投资银行，这些大客户购买CDS以免遭各种债务头寸违约风险，这些债务头寸包括住房抵押贷款和企业贷款的汇集。
Its biggest customers, European Banks and United States investment Banks, bought the swaps to insure against defaults on a variety of debt holdings, including pools of mortgages and corporate loans.
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