他们找到了支持这个观点的两大负面因素：一是失业，二是很多借款人利用物业套现贷款来偿还高利率信用卡贷款的能力大大降低。
Two big negatives were identified: Job losses and, for many borrowers, a sharply reduced ability to use home-equity loans to pay off more expensive card balances.
这些能成立的关键因素是：甚至在借款者违约的情况下，投资者都能得到款项偿还的保证——最终转嫁到纳税人身上的保证。
The key to that success is the guarantee that investors will be repaid even if borrowers default - a promise ultimately backed by taxpayers.
这两个因素使得银行更不愿意出借- - -甚至对于有信用的借款人也不愿意出借。
Both those factors are making Banks less willing to lend-even to worthy borrowers.
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