Consumers and lenders whose unwitting or reckless credit and borrowing decisions placed families under staggering debts and contributed to the instability of the financial system.

消费者和贷款人的不知情或草率的贷款和借款的决定使家庭处于令人难以置信的债务之下，并对金融体系的稳定造成影响。

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More likely, the increased sophistication of credit markets, particularly the ability to extract equity from housing, has made temporary income instability easier to cope with.

更加可能的是，借贷市场变得更加复杂，特别是可以用房屋抵押获取资产净值，已经使短期收入的不稳定变得更加容易应付。

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Of these, rapid credit growth is the most important leading indicator of financial instability, followed by an asset price bubble.

上述特征中，信贷快速增长是预示金融不稳定的最重要的首要指示器，其次是资产价格泡沫。

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