支付更低的借款利率并非是拥有良好积分的唯一好处。
Paying lower interest rates on debt is not the only benefit of having good credit.
道德危机悄然而至，因为他们说：“我们可以高利率借款。”
The moral hazard crept in because they said, "We can borrow at a high rate."
如果银行必须为借款付出惩罚性利率持续一段时间的话，这毒素将会蔓延开来。
If Banks have to borrow at penal rates for some time, the poison will spread.
低利率鼓励家庭，特别美国家庭，向银行借款并铺张的消费。
Cheap money has encouraged households, especially American ones, to borrow and spend lavishly.
联邦资金利率是，银行之前的一夜的借款比率。
The Federal Funds Rate is an overnight lending rate between banks.
利率的下降对于借款者来说是一个非常好的消息。
确实，去除中间商后，消费者可以节省资金且以更优惠的利率借款。
Indeed, by cutting out the middleman, consumers can save money and secure better rates.
然而，尽管低利率是伟大的，为借款人，他们是糟糕的贷方。
However, while low rates are great for borrowers, they are lousy for lenders.
然而，尽管低利率是伟大的，为借款人，他们是糟糕的贷方。
However, while low rates are great for borrowers, they are lousy for lenders.
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