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
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
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
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
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
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
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
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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