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  • Everything you thought you knew about the 2008 financial crisis is wrong.

    所有你對2008年金融危機認知都是錯的

  • If youre a reasonably well-informed American—a reader of the main stream mediayou probably

    如果你是大眾媒體的讀者

  • think that the 2008 financial crisis was caused by insufficient regulation of the financial

    你會覺得金融危機因為失效的金融系統

  • system and greed on Wall Street.

    和華爾街的貪婪所造成

  • Pelosi: “…the ramifications of the risk taking and the greed of these financial institutions.”

    Pelosi:"這些金融機構冒險和貪婪的後果"

  • In the second presidential debate in 2008, Obama said that the financial crisis was caused by deregulation.

    2008年第二次總統選舉辯論中,歐巴馬說金融危機缺乏管制造成的

  • Obama: “The biggest problem in this whole process was the deregulation of the financial system.”

    歐巴馬:“這事件中最大的問題是缺乏管制的金融體系”

  • And McCain blamed the government’s housing policy. Obama won the election, and his narrative

    麥坎責怪政府的房屋政策。歐巴馬贏得了選舉,他關於金融危機的敘述

  • about the crisis prevailed. There was never any serious debate, as the media immediately

    也得到認可。不再有激烈的辯論

  • accepted the idea that lack of regulation and greed on Wall Street were the reason for the financial crisis.

    媒體接受了金融危機肇因於缺乏管制和華爾街的貪婪這個說法

  • Chris Matthews: “What is going on in New York? Do they just not give a rat’s ***

    Chris Matthews:"紐約是怎麼回事?他們完全"

  • about what the American people think?”

    “不管美國人民怎麼想?”

  • The financial crisis was actually caused by the government’s housing policy, principally

    金融危機其實是政府的房屋政策造成的,因為

  • the adoption of the Affordable Housing Goals in 1992. These required Fannie Mae and Freddie

    1992年實行的“負擔得起房屋”政策。需要 Fannie Mae和Freddie Mac

  • Mac, two very large government-backed mortgage companies that dominated the mortgage market,

    兩家支配整個房貸市場的大型政府支持的房貸公司

  • to meet a quota when they bought mortgages from banks. At first, the quota was 30 percent.

    達成貸款目標。一開始,目標是向銀行借百分之三十的貸款

  • When Fannie and Freddie bought mortgages from banks, 30 percent of the mortgages had to

    當 Fannie和Freddie 向銀行借貸款,百分之三十的貸款

  • be made to borrowers below the median income where they lived. But the Department of Housing

    必須供給收入在平均以下的人。但是房屋

  • and Urban Development, HUD, was given the authority by Congress to raise the quota,

    和城市發展部門,HUD,因為國會造成的壓力而提升放貸目標

  • and in gradual increments HUD raised the quota to 50 percent by 2000 and to 56 percent in 2008.

    目標漸漸在2000年提升至百分之五十,在2008年提升至百分之五十六

  • In order to meet this quota, Fannie and Freddie had to reduce their underwriting

    為了達成目標,Fannie和Freddie只好降低承保標準

  • standards, because it was not possible to find enough prime mortgages among borrowers

    因為不可能在收入低於平均以下的人中找到足夠的優質房貸

  • below the median income. By 1995, Fannie and Freddie were accepting mortgages with 3 percent

    1995年時,申請房貸時須支付百分之三的頭期款

  • downpayments, and by 2000 mortgages with no downpayments at all. Because Fannie and Freddie

    到了2000年,完全不用支付頭期款了,因為Fannie和Freddie

  • were the dominant players in the housing finance, those reduced standards spread to the general

    在房地產佔有大量市場,因此市場上充滿了降低標準的房貸

  • By 2008, 56 percent of all mortgages outstanding in the United States were subprime or otherwise risky.

    到了2008年,在美國百分之五十六的房貸是次級房貸

  • And of these, 76 percent were on the books of government agencies, principally

    百分之七十六登記在政府機構的帳上,主要是

  • Fannie and Freddie. This shows, beyond question, that it was the government that created the

    Fannie和Freddie。顯示了是政府創造了對於這些房貸的需求

  • demand for these mortgages. If we don’t understand what caused the financial crisis,

    如果我們不了解什麼原因造成金融危機,

  • we will stumble into another one.

    我們將會跌倒在另一次金融危機

Everything you thought you knew about the 2008 financial crisis is wrong.

所有你對2008年金融危機認知都是錯的

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B1 中級 中文 美國腔 金融 房貸 危機 房屋 貸款 政府

你所不知道的2008年金融海嘯事實! (Why everything you know about the financial crisis is wrong)

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    James 發佈於 2015 年 06 月 14 日
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