银行把数百万美元的风险房贷款发放给购房者，而这些人后来却发现他们根本就没有能力支付房贷。
Banks put up millions of dollars in risky mortgage loans to home buyers who later found they could not keep up with the payments.
纳税人没有兴趣看到他们的金钱被用于其他国家的金融活动中：他们希望这些资金用于国内贷款。
Taxpayers have little interest in seeing their money used to finance activities in other countries: they want it used for lending at home.
不太可能说贷款利息或者信贷政策在没有他们参加的情况下突然改变。
It is unlikely that lending rates or credit policies could be shifted without their input.
同时许多其他的非国企陷入了困境，因为他们没有途径获得贷款，享受不到课税扣除，以及许多的沿海的私企不得不倒闭。
At the same time, many non-state enterprises are in worse shape because they have no access to government loans and tax credits, and many private enterprises in coastal areas have shut down.
现在银行不贷款，是因为他们知道他们的资产负债表上承载着未来要发生的损失，所以没有足够的资本。
The banks are not lending because they know their balance sheets are loaded with future losses and they don’t have enough capital.
银行不肯贷款，是因为他们还没有清理他们的资产负债表。
Banks aren't lending because they still haven't cleaned up their balance sheets.
他补充道，银行知道我们的未来商业计划会保证他们能收回贷款。同样，球队没有破产因为我们仍然有收入。
"The Banks know that we have a business plan that will allow them to recover the money. The club is not bankrupt because it generates income," he added.
他们没有嗅到卡特琳娜过境之后新奥尔良州九号选区中腐泥的味道，也不曾闻到次级贷款渗入财政系统中那些毒素的恶臭。
They could not smell the putrid mud that covered the ninth ward of New Orleans after Hurricane Katrina passed, or the stink of subprime mortgages leaching their poison into the financial system.
如今这种模式已经扭曲成了滑稽的自我模仿：很多银行资产都没有销路，正如他们每天都必须回到市场上央求贷款者帮助他们存活下去。
Today, that model has warped into self-parody: many of the Banks' assets are unsellable even as they have to return to the market each day to ask for lenders to vote on their survival.
显而易见，他们在4月6号并没有寻求资金上的帮助：苏格拉底也许希望从布鲁塞尔得到过桥贷款，绕过国际货币基金组织的干预或其他有可能发生的情况。
Tellingly, they did not ask the fund for help on April 6th: Mr Sócrates may be hoping for a bridge loan from Brussels without IMF involvement or many conditions.
因为部落成员不单独拥有保留土地，他们没有资格获得抵押贷款或建设贷款。
Because members do not individually own the land on the reservation, they are not eligible for mortgages or building loans.
例如，农村和微小企业借款人通常没有公司化，所以他们贷款大多存在个人风险。
For example, rural, micro and small business borrowers mostly borrow at their personal risk as they are typically not incorporated.
尽管没有原有的抵押贷款，他们通过非法的止赎程序剥夺了我们的住所。
They have taken our houses through an illegal foreclosure process, despite not having the original mortgage.
原则上说，买房子的人和给他们提供抵押贷款的银行与股票市场的投资者、商品投机商或者商店业主并没有什么不同。
People who buy homes and the Banks who give them mortgages are no different, in principle, than investors in the stock market, commodity speculators or shop owners.
他们吸收存款远没有放出去贷款快，所以用短期借贷(通常从其他金融机构)来堵上这个漏洞。
As they made loans faster than they gathered customer deposits, Banks plugged the gap by short-term borrowing, often from other financial firms.
可能他们认为严格的条款没有必要，首先他们可以在二级市场上交易贷款，这在20年前是不可能的。
Some may reckon that covenants are no longer necessary. First, they can now sell loans in the secondary market, an option that did not exist 20 years ago.
不过就算穷人会丢失工作，无力贷款，他们并不会为崩溃的资产价值所苦，因为他们根本没有资产。
But although they may lose their jobs and default on their loans, they will not be troubled by collapsing asset prices because they do not own assets.
他们还会建立地方办公室,以便处理后续事宜,告知人们,他们的贷款余额,如果没有按时还款,就给他们打电话,以及类似的事情
Then they deal with the households by having a local office and telling people what their balance is and calling them up if they're not paying and that sort of thing.
贷款人并没有采取联邦利率贷款给客户，而在正常情况下，他们是会这样做的。
Lenders have not passed recent Fed rate cuts through to customers the way they would in normal times.
而监管者们则弄错了方向：他们在担心对冲基金，却没有关注真正的祸因——次级抵押贷款。
Regulators, meanwhile, looked the wrong way: they were far more worried by hedge funds than subprime mortgages. That tends to be typical.
而且没有固定的到期日：几时能收回钱是不知道的，因为人们支付他们的抵押贷款时间是不可预测的，这个时间举例来说，当他们决定出售他们的房子的时候。
There's certainly no fixed maturity date: Money shows up in irregular chunks as people pay down their mortgages at unpredictable times-for instance, when they decide to sell their house.
事实上，储蓄也并不完美：他们太容易突然消散(这可以问北岩银行)，并且他们与长期资产如抵押贷款确实没有关联。
In fact, deposits are not perfect either: they too can suddenly evaporate (just ask Northern Rock) and they suffer from a maturity mismatch with long-term assets such as mortgages.
但是，在经历了房市崩溃及其导致的抵押贷款危机之后，很显然，风险并没有减少，更谈不上被隐藏。太多太多的投资者不知道他们是如何暴露的。
But in the aftermath of the housing bust and the resulting mortgage crisis, it seems apparent that risk wasn't so much reduced as hidden: all too many investors had no idea how exposed they were.
银行与不太愿意借贷——银行已提高了他们的贷款发放标准，背后则是监管者的敦促。监管者们对于当初经济繁荣的时候没有更加谨慎的对待境外抵押贷款和实行宽松的借贷政策后悔不已。
Banks are also less willing to lend: they have tightened loan standards, with a push from regulators who now wish they had taken a dimmer view of exotic mortgages and lax lending during the boom.
法国人或许没有欠下巨额抵押贷款或高额信用卡账单，但是他们还是实实在在地感受到了全球经济衰退带来的冲击。
People may not have hefty mortgages or huge unpaid credit-card bills. But the impact of the global downturn is still being keenly felt.
还有那些期望能通过修改贷款的形式获得一些缓解、一些帮助的人，他们没有像期望的那样获得帮助。
And you have the homeowners who have expected some sort of relief, some sort of help in the form of a mortgage modification not being helped as much as was expected.
半数的借贷者表示他们的贷款对结婚、买房或退休储蓄等生活决策有很少或没有影响。
Of those who took out loans, about half said their loans had little to no impact on life decisions like getting married, buying a home or saving for retirement.
半数的借贷者表示他们的贷款对结婚、买房或退休储蓄等生活决策有很少或没有影响。
Of those who took out loans, about half said their loans had little to no impact on life decisions like getting married, buying a home or saving for retirement.
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