Recently, there is a bit of a scandal regarding these rating agencies because they gave AAA ratings to some subprime securities.
最近，出现了一点关于评级机构的丑闻，因为他们将一些次级证券评为AAA 级。
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.
“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。
This was not subprime lending.
这并不是次级贷款。
次贷是什么意思？
Are microfinance loans the new subprime mortgages?
小额信贷放款会否成为新的次级抵押贷款？
The crisis rooted in real estate and subprime lending.
这场危机根源于房地产和次级信贷。
Boarded-up houses are a reminder of the subprime crisis.
木板封着的房屋提示次贷危机并没有放过这里。
But federal regulators play a limited role in subprime markets.
但联邦监管机构在次优贷款市场的作用是有限的。
But faith in these scores has dwindled since the subprime crisis.
但是自从次贷危机以来，投资者对这些评分的信任大打折扣。
Confidence in subprime-related mortgage products continues to fall.
市场对次级抵押产品的信心继续下降。
We've seen lots of private debt crises, such as the U.S. subprime.
我们已经看到大量私人部门的债务危机，比如美国的次债危机。
Investors are shunning subprime and all mortgages that seem risky.
投资者正在避开次优抵押贷款以及所有其他看起来有风险的抵押贷款。
Moreover, other consumer-debt products are less complex than subprime.
此外，其他消费者债务产品比次贷更为简单。
I asked John Mack if he could see subprime-mortgage bonds making a comeback.
我问JohnMack他是否可以预见次级抵押债券卷土重来。
WHENthe American housing market turned, subprime borrowers started defaulting.
当美国房市转向，次贷借款人开始违约。
This was, in effect, a "no doc" or at least a "low doc" subprime mortgage loan.
实际上，这是一个“无文件”或至少是“低文件”次级抵押贷款。
By the summer of 2007, the first signs of the subprime crisis started to appear.
到2007年夏季，次贷危机的首批迹象开始显现。
We're going through a subprime crisis right now, which is a banking crisis as well.
我们现在正在经历一场次级债危机，它同时也是一场银行业危机。
And third, that the credit mess would be confined to areas related to subprime mortgages.
第三，信用危机将被限制在次级抵押贷款的范围内。
So far, hedge funds have managed to avoid the worst of the fallout from the subprime market.
到目前为止，对冲基金已避免了次贷市场所带来的最严重影响。
An updated version of the FICO model, to reflect the subprime crisis, was released last year.
去年，为了反映次贷危机，FICO模型发布了更新的版本。
When this began eating into lenders' profits, they reacted by pushing subprime rates back up.
当短期利率上升开始蚕食房贷公司的利润时，他们则重新提高次优房贷利率以应对。
Now finally, I want to talk about the current situation in what's called the subprime crisis.
我要讲一下目前的情形，也就是次贷危机。
The recent us housing bubble had a similar process of moving from prime to subprime mortgages.
近期的美国住宅市场泡沫也经历了一个类似过程，从优质抵押贷款蔓延至次贷。
The recent us housing bubble had a similar process of moving from prime to subprime mortgages.
近期的美国住宅市场泡沫也经历了一个类似过程，从优质抵押贷款蔓延至次贷。
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