该银行称正在出售问题贷款。

The bank says it is selling problem loans.

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许多银行“在他们的账本上依然有大量的问题贷款，银行贷款标准依然紧张。”伯南克说。

Many Banks still have "a large volume of troubled loans on their books, and bank lending standards remain tight," Bernanke said.

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自动风险评估系统也在贷款服务中发挥了作用，它们可以在早期时即可更好地估计可能的问题贷款并提供解决办法。

Automated risk assessment systems also aid in the servicing of loans with their ability to predict better potential problems loans early and offer workout solutions.

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Part of--this is the--it's not loan-to-value ratio-- this is the ratio of mortgage debt to personal consumption expenditure.

这并非贷款价值比率的问题,一定程度上,是抵押率的问题,即负债对个人消费支出的比率

耶鲁公开课 - 金融市场课程节选

You see what the problem was: the mortgages were too short.

你看到问题了吧,抵押贷款期限太短了

耶鲁公开课 - 金融市场课程节选

s also the case the original problem went back to the mortgages.

是，这样提到了原始经济问题，Yes，，but，it’,关于贷款这项金融活动。

斯坦福公开课 - 经济学课程节选