银行开始拆开由住房和商业抵押贷款打包成的证券，然后重新打包成市场专家所谓的“迷你债权抵押证券”。

Banks are disassembling securities produced by bundling home and commercial mortgages and repackaging them into what market experts describe as mini-CDOs.

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但数年前，商业银行希望从中分一杯羹，并开始说服其年老客户买进这种迷你债券，而没有向他们解释其中的风险。

But several years ago, the Commercial bank hoped that divides cup of thick soup, and starts to convince its old customer to buy up this kind of miniature bond, but has not explained risk to them.

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