次级住房抵押贷款(Subprime Mortgage Loans):借款人没有稳定可靠的收入来源、没有信用记录或信用级别低下、债务负担沉重、还款能力极低或缺失。
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Banks and financing companies began to offer subprime mortgage loans and induced low income families to purchase houses by waiving principal payments for the first few years.
银行和金融公司开始提供次级住房贷款,第一年零首付,使低收入家庭也能购买房子。
So investment banks took their enormous capital and at first packaged yield-enhanced, subprime mortgage loans into complex derivatives such as collateralized debt obligations (CDOs).
因此投资银行斥巨资提高了首次包装上市的水平,并把次级抵押贷款放到了诸如债务抵押债券(CDOs)等复杂金融衍生品上。
That fear ran down a few spines on February 7th, when HSBC, Europe's biggest bank, revealed that bad loans at its American subprime mortgage division were 20% higher than expected.
2月7日,欧洲第一大银行汇丰银行透露其美国次优房贷部门的不良贷款比预期多了20%,这加剧了人们的恐慌。
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