borrower characteristics
【Key words】 Residential Mortgage； Default Risk； Loan Characteristics； Borrower Characteristics； House Property Characteristics；
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次级按揭贷款是对合理的贷款标准的全盘放弃，具有不良信用特征的借款人获得了难以偿还的按揭贷款。
This lending was a wholesale abandonment of reasonable lending practices in which borrowers with poor credit characteristics got mortgages they were ill-equipped to handle.
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