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Milton makes a covenant with the reader. It's as if he's signing a contract because he's asking for credit here.
他与读者签了契约，就好像,因为他要借款所以签了份合同一样。
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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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So if all of these is perfectly understandable from the standpoint of Congressman Barney Frank, So is his recent statements that he wants the Fannie and Freddie to lower the lending standards to condos now.
所以如果这一切都是可以理解的话,从巴尼，富兰克林的角度看，他最近的言论,他希望房利美和房地美,降低购买高级公寓的借款标准。
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For example, Microsoft has avoided borrowing any money and they don't believe in debt, so they are not leveraged.
比如微软从不借款,他们不愿负债,所以没有杠杆性
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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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It didn't-- if you needed more time to get some business done you'd have to borrow, but you'd only have to pay 1% a year.
如果你需要更多时间来完成业务,你需要借款,而只需付1%的年利息
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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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This is how they actually compute the payments because you can take, if you want--if someone is borrowing -let's bring it up to today- they're borrowing $200,000.
这就是计算贷款偿还额的方法,比如,如果某人要借款,我们用现实的例子,假设要借20万美元
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The Federal Funds Rate is an overnight lending rate between banks.
联邦资金利率是,银行之前的一夜的借款比率。
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A "Subprime borrower" Is somebody who has a poor credit history or some other indication that would suggest that they might not be able to repay the mortgage-- they might default.
次级借款人"指的是,那些信用记录较差的借款人,或在其他方面显示,他们很可能无力偿还贷款,也就是说他们很可能违约
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The adverse selection problem, when it comes to borrowers--people who are trying to borrow money -is that if you become a lender -let's say, if you -not talking about becoming a lender.
逆向选择的问题,对于借款方,即希望借到钱的人而言,假如你是贷款方,比方说,如果你...,还是换个说法吧
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Again, that is a problem that lenders have that the company that's borrowing the money has this unfortunate incentive, at least at certain times, to take excessive risks because the debtors will end up bearing the losses.
这便是贷方遇到的又一问题,即借款公司可能会,抱有此种不良动机,至少在特定情况下会过分地追求风险,这样最终蒙受损失的将是债务人
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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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The people who are in the know -know who's trustworthy as a borrower and who has a good prospect of paying it back -but if I go in there ignorantly, I'm going to get stuck with the worst stuff.
那些行家老手们,就知道哪些借款人是可信的,钱借给谁还款的把握比较大,但如果我懵然不知就把钱投进去了,就可能会落得个血本无归的结果
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In fact, the United Kingdom has been an international model for preventing bank runs because the Bank of England would always lend to a bank that was in trouble in order to keep them out of the problem.
事实上,英国一直是全球,预防银行挤兑的模范,因为英格兰银行总会借款,给陷入危机的银行以确保它们脱离险境
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But if most people who are good borrowers, who know what they're doing, want these, they want a conventional thirty-year mortgage because it will fix a mortgage payment for the rest of the thirty years and you have nothing to worry about.
但是如果大多数人是优质借款人,他们知道自己在做什么,他们会选择普通30年期抵押贷款,因为在剩余的30年时间里,抵押贷款的偿付是固定的,你不需要为它担心
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As saying in a television interview, this is Allen Greenspan while I was aware of a lot of these practices, these lending, were going on, I had no notion of how significant they had become until very late.
这是他接受采访时说的，艾伦，格林斯潘说,我之前i就知道有很多不规范行为，：，“,这些借款，但我不知道问题的严重性,直到很晚。
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It recognizes that the risks that a bank faces are very complex and that they are not summarized by just the classes of borrowers that were defined in Basel I.
它指出一个银行所面对的风险是非常复杂的,第一次巴塞尔协议定义的借款人风险等级,无法概括全部的风险
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Subprime refers to mortgages, which is not the subject of today's lecture, but a subprime mortgage is a mortgage issued to a borrower who is not considered prime--not a good risk.
次贷指的是次级抵押贷款,这不属于今天的讨论范围之内,次级抵押贷款是发放给特殊借款人的,他们不是优质客户,也就是说风险较大
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Troubled banks then who have this the problem banks have now is they have these securitized mortgages that they've bought and the homeowners are defaulting on the mortgages now.
于是出于困境中的银行,现在银行的问题在于,他们持有自己买的,证券化按揭贷款,而房屋持有者却,对抵押借款拖欠。
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