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Some economists blame a lack of oversight of the subprime mortgage industry for fueling the global financial meltdown that followed.
VOA: standard.2010.04.19
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To some extent, the subprime crisis is a failure of Basel II, which is not even fully born yet.
从某种程度上讲,次贷危机就是新巴塞尔协议的一次失败,该协议甚至还没有正式生效
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I find this interesting because it calls to mind some of the problems we had with the subprime crisis.
我觉得这个挺有趣,因为它呼吁人们留心一些,我们在次贷危机中遇到的问题。
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Subprime" Refers to the mortgages that were made mostly over the last ten years or so to subprime borrowers.
次贷"指的是,大约在最近10年中,提供给次级借款人的,住房抵押贷款
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Then lastly, there are things like the Internet bubble, they're not usually called this, but--the lending bubble where--or the subprime mess.
其次，市场上还存在像互联网泡沫，不经常被提及的贷款泡沫,此外还有次贷危机。
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I think that, in a sense, the subprime crisis that we have is an example of the dangers of new technology.
我认为,在某种程度上,这次次贷危机就是新科技,可能会带来危险的典型例子
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Default rates are shooting up and valuation of securitized subprime mortgages have crashed and it's throwing turmoil all over the financial community.
违约率飞速上升,对于次级抵押贷款的估值也失效了,这还导致了整个金融系统的混乱
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The industry, subprime lending, has grown dramatically over the last ten years and, as you probably know, it's in big trouble now.
次级借贷行业,在近10年里迅猛发展,你们大概也知道,这个行业现在正处于巨大的困境中
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If you know the subprime crisis is coming, then there's always a way to profit from that and that's what he did.
如果你能预言次贷危机,那总有从中获利的方法,而他就是这样做的
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Well, they created special entities called SIVs and the SIVs would be borrowing money on the commercial paper market to buy subprime loans.
银行建立特殊实体结构投资公司,而结构投资公司,通过在纸货市场借贷,以购入次级债
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We've managed to package subprime loans that we thought -some people thought--were terrible and sell them off to unwitting foreigners who didn't know.
我们将次级贷款打包,将这些烫手山芋,甩卖给我们不认识的外国冤大头
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Another thing that I will be talking about is less important to this course but you have heard of this: the subprime crisis.
我要讲的另一个问题,在这门课里相对不是那么重要,你们听过这个词吗,"次贷危机"
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Then, the value of the subprime loans that the municipal bond insurers own starts to go down.
接着,市政债券保险公司,持有的次级贷款价值开始下跌
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They became almost worthless because they were investing in subprime debt and the value of the debt collapsed and so these collapsed as well.
它们变的分文不值,因为它们投资次级债务,而这些债券价格一落千丈,所以这些银行也跟着倒下
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A typical home--a conventional thirty-year-- this is what most people get today and that's--except for subprime.
一个典型的住宅,期限一般是30年,除了次级贷款之外,今天大部分抵押贷款期限都是30年
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The subprime crisis is an example: some people were treated badly in this recent financial crisis.
次贷危机就是一个例子,在最近这次金融危机中,有人沦为受害者
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Northern Rock was a British building society that was investing in subprime paper in the U.S.
北岩银行是英国的一家建房互助协会,它曾在美国投资次级债券
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They were in a very risky position because subprime loans were already recognized as being risky.
这给银行带来极大风险,因为次级债早已被认为具有高风险
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That's what has been happening a little bit -more than a little bit--in the subprime crises.
类似的事情在次贷危机中发生过几起,其实远不只几起
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Now finally, I want to talk about the current situation in what's called the subprime crisis.
我要讲一下目前的情形,也就是次贷危机
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The subprime crisis is happening today because home prices are falling and with falling home prices more subprime borrowers are failing to pay their mortgage.
次贷危机之所以会发生,时因为房屋的价格在下降,随着房屋价格的下降更多的次贷借款人,将会无法支付他们的贷款
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They'd borrow to buy them, so if the value of the subprime loans went down just a little bit the SIV would be in trouble.
结构投资公司还借钱购买次级债,所以只要次级债贬值一点点,他们就麻烦了
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We're going through a subprime crisis right now, which is a banking crisis as well.
我们现在正在经历一场次级债危机,它同时也是一场银行业危机
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I think the subprime crisis that is the current financial crisis highlights this very well.
我认为目前的次贷危机,很好的说明了这一点
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Subprime borrowers seem to be the ones who are being really hit with new ideas.
次级借款者是,金融创新的牺牲品
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The subprime mortgage market was bringing people into the mortgage market who in prior decades would not have been involved-- would not have had any mortgage.
次贷抵押信贷市场,把十多年前那些,不能获得抵押贷款的人,带进了抵押信贷市场
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The next lecture will be about real estate and that brings us into the subprime crisis and connects with interests that are central to my own thinking.
再下一节课我们会讲房地产,房地产带来了次贷危机,以及其与利息的联系,我认为这种联系是最核心的
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Some people want to go back, some people think there's a lot of anger about the subprime crisis and there's some anger expressed against the financial community.
有些人想退回到过去,有人认为,次贷危机,让很多人感到愤怒,有些人把怒气指向金融从业人员
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The division is what hampered regulators from dealing with the financial subprime crisis.
监管机构正是用来约束那些调控者,以防其与金融次贷有染的。
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but has spread over the world and this is called the subprime crisis.
但是已经传播到了全世界,它就是所谓的次贷危机
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