Some people think that the rating agencies have allowed a kind of moral hazard to creep into their organization.

有些人认为,信用评级机构,已经让某种程度的道德风险,渗透到他们的机构中

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And then, suddenly I need to MacBook Air sell my MacBook Air on Craigslist and I can take the person's credit card instead of having them bring $1200 to me or whatever I'm selling it for.

之后突然我需要,在克雷格斯利斯特网站上卖我的,而且我可以让那个人拿信用卡过来,而不是,带着1200美元或是我需要的别的东西给我。

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They are borrowers that are thought, by the various models, to be likely to fail to pay on their mortgage and to have to be foreclosed; often low income, but also they're people with poor credit histories.

通过一些模型的计算,这些借款人,很有可能无法偿付贷款,抵押房产会被贷款人收回,借款人通常属于低收入人群,而且这些人没有很好的信用记录

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