拜求一篇关于美国次贷危机的英文原文，最好是最近的，新一点，字数一定要在3000左右，最好最好跟中国房地产相关的。如果有中文翻译的话更好了，我绝对会追加分数的~谢谢啦
最好有中文啊~或者哪个强人给翻一下~~加分加分~
Subprime mortgage crisis
The subprime mortgage crisis is an ongoing real estate crisis and financial crisis triggered by a dramatic rise in mortgage delinquencies and foreclosures in the United States, with major adverse consequences for banks and financial markets around the globe. The crisis, which has its roots in the closing years of the 20th century, became apparent in 2007 and has exposed pervasive weaknesses in financial industry regulation and the global financial system.[1]
Approximately 80% of U.S. mortgages issued in recent years to subprime borrowers were adjustable-rate mortgages.[2] After U.S. house prices peaked in mid-2006 and began their steep decline thereafter, refinancing became more difficult. As adjustable-rate mortgages began to reset at higher rates, mortgage delinquencies soared. Securities backed with subprime mortgages, widely held by financial firms, lost most of their value. The result has been a large decline in the capital of many banks and U.S. government sponsored enterprises, tightening credit around the world.
受字数及审核限制，请您更多详见维基百科http://en.wikipedia.org/wiki/Subprime_mortgage_crisis
与中国房地产相关的内容http://www.robroad.com/data/guangzhou/index.php/housing-market-people-demand/
Five thousand Chinese applied to go on these junkets, but only 512 of them were able to prove they have the money and the desire to buy. The first group, which I met up with, consisted of only 21 tourists, but was originally supposed to have 40. Many couldn't get visas in time. Some have never even been to the United States before.
"Most of these visitors are at the top level of society in China," says Osman Wei, Executive Director of the California Chamber of Commerce Foundation. Wei's group is hosting the tourists during their first stop, Los Angeles. From here they will house hunt in Las Vegas, San Francisco, Boston and New York.
Why buy here? "Because the housing market in China is going crazy in the last five or six years," says Wei, who adds that while prices in Beijing and Shanghai are falling, they're not falling as much as they are here. "The payback would be a lot better (in the U.S.) than what they can do in China."
The tourists include Yin Guohua, a lawyer from Beijing who is looking for a place where he can stay when he visits with his son. "My budget is about a half million dollars," he said through a translator. As he looked over a home in the Los Angeles suburb of Corona, he commented that "the prices are pretty good, but if they go down, they'll be better." Most of the tourists are looking to spend between $300,000 and $800,000. Some are searching for the lowest prices—especially in foreclosures—while others are interested in finding homes near good schools. Many say they may want to send their one-child-per-family to the States to be educated, and they'll need to find that child a place to live. One woman who helped organize the trip, Ting Yang, says she's most interested in looking at homes in Boston. Boston, as in Harvard and MIT. I wonder how you say, "Location, location, location" in Chinese?
When I asked Osman Wei if the banks owning the foreclosed homes might be concerned about selling to foreigners, he replied, "Actually, it's just totally contrary." He says he went to China in January, and local banks went with him to aggressively market real estate. "The banks are eager to sell the foreclosure property to just get the money back."
But just because the Chinese are here doesn't mean they'll buy. As two women toured a condominium in Pasadena for sale in the high $400,000s, one commented to the other, "It's so small."
请您根据需要进行整理
The subprime mortgage crisis is an ongoing real estate crisis and financial crisis triggered by a dramatic rise in mortgage delinquencies and foreclosures in the United States, with major adverse consequences for banks and financial markets around the globe. The crisis, which has its roots in the closing years of the 20th century, became apparent in 2007 and has exposed pervasive weaknesses in financial industry regulation and the global financial system.[1]
Approximately 80% of U.S. mortgages issued in recent years to subprime borrowers were adjustable-rate mortgages.[2] After U.S. house prices peaked in mid-2006 and began their steep decline thereafter, refinancing became more difficult. As adjustable-rate mortgages began to reset at higher rates, mortgage delinquencies soared. Securities backed with subprime mortgages, widely held by financial firms, lost most of their value. The result has been a large decline in the capital of many banks and U.S. government sponsored enterprises, tightening credit around the world.
受字数及审核限制，请您更多详见维基百科http://en.wikipedia.org/wiki/Subprime_mortgage_crisis
与中国房地产相关的内容http://www.robroad.com/data/guangzhou/index.php/housing-market-people-demand/
Five thousand Chinese applied to go on these junkets, but only 512 of them were able to prove they have the money and the desire to buy. The first group, which I met up with, consisted of only 21 tourists, but was originally supposed to have 40. Many couldn't get visas in time. Some have never even been to the United States before.
"Most of these visitors are at the top level of society in China," says Osman Wei, Executive Director of the California Chamber of Commerce Foundation. Wei's group is hosting the tourists during their first stop, Los Angeles. From here they will house hunt in Las Vegas, San Francisco, Boston and New York.
Why buy here? "Because the housing market in China is going crazy in the last five or six years," says Wei, who adds that while prices in Beijing and Shanghai are falling, they're not falling as much as they are here. "The payback would be a lot better (in the U.S.) than what they can do in China."
The tourists include Yin Guohua, a lawyer from Beijing who is looking for a place where he can stay when he visits with his son. "My budget is about a half million dollars," he said through a translator. As he looked over a home in the Los Angeles suburb of Corona, he commented that "the prices are pretty good, but if they go down, they'll be better." Most of the tourists are looking to spend between $300,000 and $800,000. Some are searching for the lowest prices—especially in foreclosures—while others are interested in finding homes near good schools. Many say they may want to send their one-child-per-family to the States to be educated, and they'll need to find that child a place to live. One woman who helped organize the trip, Ting Yang, says she's most interested in looking at homes in Boston. Boston, as in Harvard and MIT. I wonder how you say, "Location, location, location" in Chinese?
When I asked Osman Wei if the banks owning the foreclosed homes might be concerned about selling to foreigners, he replied, "Actually, it's just totally contrary." He says he went to China in January, and local banks went with him to aggressively market real estate. "The banks are eager to sell the foreclosure property to just get the money back."
But just because the Chinese are here doesn't mean they'll buy. As two women toured a condominium in Pasadena for sale in the high $400,000s, one commented to the other, "It's so small."
请您根据需要进行整理
温馨提示：答案为网友推荐，仅供参考
第1个回答 2010-01-21
The subprime mortgage crisis is an ongoing financial crisis characterized by contracted liquidity in global credit markets and banking systems triggered by the failure of mortgage companies, investment firms and government sponsored enterprises which had invested heavily in subprime mortgages. The crisis, which has roots in the closing years of the 20th century but has become more apparent throughout 2007 and 2008, has passed through various stages exposing pervasive weaknesses in the global financial system and regulatory framework.
The crisis began with the bursting of the United States housing bubble and high default rates on "subprime" and adjustable rate mortgages (ARM), beginning in approximately 2005–2006. For a number of years prior to that, declining lending standards, an increase in loan incentives such as easy initial terms, and a long-term trend of rising housing prices had encouraged borrowers to assume difficult mortgages in the belief they would be able to quickly refinance at more favorable terms. However, once interest rates began to rise and housing prices started to drop moderately in 2006–2007 in many parts of the U.S., refinancing became more difficult. Defaults and foreclosure activity increased dramatically as easy initial terms expired, home prices failed to go up as anticipated, and ARM interest rates reset higher. Foreclosures accelerated in the United States in late 2006 and triggered a global financial crisis through 2007 and 2008. During 2007, nearly 1.3 million U.S. housing properties were subject to foreclosure activity, up 79% from 2006.
Major banks and other financial institutions around the world have reported losses of approximately US$435 billion as of 17 July 2008 The liquidity concerns drove central banks around the world to take action to provide funds to member banks to encourage lending to worthy borrowers and to restore faith in the commercial paper markets. The U.S. government also bailed out key financial institutions, assuming significant additional financial commitments.
中文意思：
这次的次贷危机其实是一场以全球的信贷市场和银行体系流通性全面收缩为特征的现行金融危机，究其原因，正是抵押公司，投资公司和那些在次贷业投入巨资的国有企业的失败操作所造成。
这次危机由美国房市泡沫的破裂开始，次贷业务和可调利率抵押贷款业务开始岌岌可危，其实在2005年到2006年就已经出现这些苗头了。在那之前很多年，一降再降的借贷标准，诸如零首付等贷款激励措施的增加，以及长期的房价上涨趋势大大的鼓励了人们去大量借贷，并且还使人们相信他们很快会从更优惠的措施上还贷。尽管如此，当2006到2007年美国的部分地区利率开始攀升，并且房价开始缓慢下降时，还贷开始变得困难。一旦那些优惠的首付条件到期，拖欠贷款和丧失抵押品赎回权的现象陡然增加，可调利率抵押贷款的利率重新高涨。丧失抵押品赎回权这一现象在2006年的美国开始愈演愈烈并最终于2007到2008年造成了一场全球性金融危机。在2007年，将近1300万处房产丧失抵押品赎回权，相比2006年增长了79%。
全球各大银行和金融机构已经报道，截至2008年7月17日，危机已经造成了4350亿美元的损失 对流通方面的忧虑促使世界各大中央银行给他们的子银行提供基金，用来鼓励那些有价值的借款人并且让人们在商业票据市场重塑信心。美国政府也为那些重要的金融机构作出担保，并做出了一些额外的重要的金融允诺。
The crisis began with the bursting of the United States housing bubble and high default rates on "subprime" and adjustable rate mortgages (ARM), beginning in approximately 2005–2006. For a number of years prior to that, declining lending standards, an increase in loan incentives such as easy initial terms, and a long-term trend of rising housing prices had encouraged borrowers to assume difficult mortgages in the belief they would be able to quickly refinance at more favorable terms. However, once interest rates began to rise and housing prices started to drop moderately in 2006–2007 in many parts of the U.S., refinancing became more difficult. Defaults and foreclosure activity increased dramatically as easy initial terms expired, home prices failed to go up as anticipated, and ARM interest rates reset higher. Foreclosures accelerated in the United States in late 2006 and triggered a global financial crisis through 2007 and 2008. During 2007, nearly 1.3 million U.S. housing properties were subject to foreclosure activity, up 79% from 2006.
Major banks and other financial institutions around the world have reported losses of approximately US$435 billion as of 17 July 2008 The liquidity concerns drove central banks around the world to take action to provide funds to member banks to encourage lending to worthy borrowers and to restore faith in the commercial paper markets. The U.S. government also bailed out key financial institutions, assuming significant additional financial commitments.
中文意思：
这次的次贷危机其实是一场以全球的信贷市场和银行体系流通性全面收缩为特征的现行金融危机，究其原因，正是抵押公司，投资公司和那些在次贷业投入巨资的国有企业的失败操作所造成。
这次危机由美国房市泡沫的破裂开始，次贷业务和可调利率抵押贷款业务开始岌岌可危，其实在2005年到2006年就已经出现这些苗头了。在那之前很多年，一降再降的借贷标准，诸如零首付等贷款激励措施的增加，以及长期的房价上涨趋势大大的鼓励了人们去大量借贷，并且还使人们相信他们很快会从更优惠的措施上还贷。尽管如此，当2006到2007年美国的部分地区利率开始攀升，并且房价开始缓慢下降时，还贷开始变得困难。一旦那些优惠的首付条件到期，拖欠贷款和丧失抵押品赎回权的现象陡然增加，可调利率抵押贷款的利率重新高涨。丧失抵押品赎回权这一现象在2006年的美国开始愈演愈烈并最终于2007到2008年造成了一场全球性金融危机。在2007年，将近1300万处房产丧失抵押品赎回权，相比2006年增长了79%。
全球各大银行和金融机构已经报道，截至2008年7月17日，危机已经造成了4350亿美元的损失 对流通方面的忧虑促使世界各大中央银行给他们的子银行提供基金，用来鼓励那些有价值的借款人并且让人们在商业票据市场重塑信心。美国政府也为那些重要的金融机构作出担保，并做出了一些额外的重要的金融允诺。
