The banks made too many risky loans which now can't be repaid, and they speculated in property whose value has now dropped.
银行贷出了太多现在无法偿还的风险贷款，而且他们在房地产业做了投机买卖，其价值目前也已经下跌。
After the failure of Lehman Brothers, many of the world's largest banks feared the worst as the collapse of the housing bubble exposed investments in risky loans.
在雷曼兄弟破产后，许多全球最大的银行都曾担心出现最糟糕的情况，因为房地产泡沫的破裂暴露了它们在高风险贷款方面的投资。
These risky loans were known as sub-prime mortgages.
这种高风险贷款就称为次级抵押贷款。
More junk bonds are being issued than ever before, more risky loans are being offered.
垃圾债券和高风险贷款越来越多。
But the real casualties may be homeowners, who often took out risky loans they could barely afford or did not understand.
但真正可能受到伤害的是购房者。对于自己借入的高风险贷款，他们几乎无力负担，或者压根就没搞明白。
The more common remedy is to put limits on Banks' assets by forcing them to increase their capital if they make risky loans.
更常用的方法是迫使想要进行高风险贷款的银行增加其资本，以此给银行资产设置一个限制。
Already, the agency's reserves have been heavily eroded by risky loans it took on in 2008-09 to shore up the housing market.
这个机构的储备金早已被一些具有风险的贷款严重侵蚀，这些贷款是因2008-09年时为支持房地产市场而形成的。
Banks were able to exploit the first lot of so-called Basel rules, because they could hide risky loans off their balance sheets.
银行们能利用所谓的第一组巴塞尔协议[10]，因为它们可以在资产负债表里隐匿高风险贷款。
When investors began to turn their nose up at securities linked to souring subprime mortgages and other risky loans, Banks ended up financing them.
当投资者开始把注意力转移到与不合格的次级按揭以及其他的风险贷款挂钩的证券上时，银行便不再为投资者提供资金。
It later emerged that a whistleblower at Lehman, who raised concerns about the way it accounted for risky loans, lost his job shortly after speaking out.
当时雷曼内部出现了一名告密者，坦陈了雷曼对于风险贷款的记账方法，在那不久之后就被解雇了。
Risk and return tend to be positively correlated, in finance because risky loans command higher interest rates and in underwater drilling because risk abatement is costly.
风险和收益似乎是成正比的，对于金融业来说，高风险的贷款要求高利率回报，而深水钻探领域中风险规避成本较大。
Because it was able to write off risky loans early this year, according to James Kurz, a senior Fonkoze financial adviser, its portfolio at risk has fallen to 5 percent in recent months.
但据Fonkoze银行高级财务顾问詹姆斯·库尔兹所说，正因为在今年年初银行注销掉一些有风险的贷款，它的风险投资在近几个月来已经下降了5个百分点。
But recent years have seen mortgage loans made to millions of individuals with poor, risky, or insufficient credit - many of whom have either defaulted on the loans or are at risk of doing so.
但是在最近几年里，数百万贫穷、有欠款危险或者信用值不够的个人得到了抵押贷款，现在，他们中的许多人已经或即将无法偿还贷款。
Basel 2 is a big improvement on the outgoing Basel 1 framework, which simply imposes a flat 8% charge on loans and assets irrespective of how risky they may be.
巴塞尔协议2是对现行的巴塞尔协议1的巨大改进。巴塞尔协议1只是简单的提出了对所有的贷款和资产，不分风险度都计提8%。
Us and European financial institutions made risky housing-related loans that have gone bad, causing hundreds of billions of dollars of losses.
美国和欧洲的金融机构所作的冒险性的房屋贷款造成了不良的后果，导致数以千亿计的美元的损失。
When the economy is booming and asset prices are rising, loans seem less risky so Banks are allowed to hold less capital at exactly the moment when they should be showing restraint.
当经济繁荣，资产价格上涨时，借贷风险似乎更小，此时银行恰好需要抑制借贷，却被允许持有更少资本。
Nobody seemed to worry that Britain's Northern Rock, for example, depended heavily on wholesale borrowing while indulging in more risky mortgage loans.
似乎没人会为英国的北岩银行操心，哪怕它极度依赖大规模借贷同时又陷入更为凶险的抵押贷款之中。
Traditional distress funds have drifted reluctantly into risky, but still solvent, junk bonds and high-yield loans to keep business ticking along.
百般无奈之下，传统危机基金开始调整食谱，转向高风险但偿还能力尚可的垃圾债券和高收益的债务。
Risky, subprime loans, were combined with top rated, prime loans, andpackaged as Mortgaged Backed Securities (MBSs).
高风险的次级贷款结合了高评级的优质贷款 打包成了“住房抵押贷款债券”（MBS）。
But the recent crisis over securities based on risky home loans has brought them new attention.
但是，最近风险房贷类证券的危机使投资银行重新获得注目。
Weakened by huge losses on risky home loans, the banking industry is now on the shakiest ground since the early 1990s, when more than 800 federally insured institutions failed in a three-year period.
自从在90年代初，在三年内，超过800家联邦保险机构倒闭，银行业的基础已经不稳固了，现在在高风险家庭贷款上的巨大损失，更使银行业的大厦摇摇欲坠了。
During the last decade, they say, these Banks singled out blacks in Memphis to sell them risky high-cost mortgages and consumer loans.
在过去十年里，他们说，这些银行专向孟菲斯的黑人兜售高风险高成本的抵押贷款和消费贷款。
Banks put up millions of dollars in risky mortgage loans to home buyers who later found they could not keep up with the payments.
银行把数百万美元的风险房贷款发放给购房者，而这些人后来却发现他们根本就没有能力支付房贷。
Faced with strong foreign demand for AAA-rated securities, American Banks had a strong incentive to create supposedly safe ones from packages of risky home loans.
由于外国投资者对美国AAA级资产的强烈需求，美国的银行有强烈的动机去创造由房屋贷款构成看似安全的产品。
Canada never had the kind of bubble created by risky 'subprime' home loans that the U.S. had, thanks in part to conservative lending practices.
加拿大从来没有美国遭遇过的高风险次级房贷造成的泡沫，原因之一是加拿大实行保守放贷。
Do you know why small business loans are considered more risky than?
你知道吗？通常小企业类型的贷款比大企业型的贷款有更大的风险。
Newer loans approved under tighter lending standards in 2009 and 2010 are relatively less risky and more profitable.
根据更严格的放贷标准审核的2009年和2010年的贷款风险相对较低，盈利能力更好。
Risky subprime mortgages grew from 5% of all loans to 20% between 1994 and 2006, while average down payments on houses fell to only 2%.
在1994至2006年间，高风险的次级抵押贷款从所有贷款的5%增长到了20%，与此同时，平均房屋定金比率下滑到只有2%。
Risky subprime mortgages grew from 5% of all loans to 20% between 1994 and 2006, while average down payments on houses fell to only 2%.
在1994至2006年间，高风险的次级抵押贷款从所有贷款的5%增长到了20%，与此同时，平均房屋定金比率下滑到只有2%。
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