去年，本国的家庭债务(loans backed by homes)已占所有消费品信用贷款(consumer credit)的近50%，很大程度上由于家庭房屋翻新(renovations)，这比1995年增加了11%。
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目前，他希望利用该计划资金来帮助激活基于消费品信用贷款的证券市场。
Now, he wants to use money from the program to help restart the market for securities based on consumer credit.
和对其它各类消费品信用贷款的宽松放贷标准一起，这导致了美国人消费行为的剧变。
Together with looser lending standards for other kinds of consumer credit, this led to a radical change in American behavior.
这些发现表明，对低收入家庭而言，对消费品信用贷款的风险和回报的理解有着细微差别。
The findings suggest a more nuanced understanding of the risks and rewards of consumer credit for low-income families.
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