最明显的失效是住房抵押贷款市场。
The breakdown has been most apparent in the securitization of home mortgages.
第一部分住房抵押贷款证券化简介。
The first part is the brief of Mortgage Backed Securitization.
大部分美国人通过私人银行来获得住房抵押贷款。
第一部分是对住房抵押贷款保险的概述。
The first part is a summary of housing mortgage loan insurance.
美国是实行住房抵押贷款证券化最成功的国家。
America is the most successful country to carry out securitization of house mortgage loan.
用于商用物业的贷款增长84%，住房抵押贷款增长32%。
Lending on commercial property is up by 84% and home mortgages by 32%.
住房抵押贷款保险可分为政策性保险和商业性保险。
Housing loan insurances include policy insurance and commercial insurance.
化解这一风险的有效途径就是实行住房抵押贷款证券化。
An effective method to solve the risk is Mortgage-Backed Securities.
另一方面，这样一来住房抵押贷款的门槛对很多美国人来说就变高了。
On the other hand, this option would make mortgages more expensive for many Americans.
住房抵押贷款担保证券依据不同投资者的风险承受程度向许多投资者发行。
These were sold to a wide range of investors, depending on their tolerance for risk.
最后介绍了住房反向抵押贷款在国外的实践情况。
Finally, introduce the present situation of the housing reverse mortgage application abroad.
最后分析了在我国实行住房反向抵押贷款所面临的特殊障碍。
Finally, explain that the housing reverse mortgages face special obstacles in our country.
最后分析了在我国实行住房反向抵押贷款所面临的特殊障碍。
Finally, explain that the housing reverse mortgages face special obstacles in our country.
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