金融經濟危機 Financial and economic crisis
寫一篇以金融危機為主題的英語作文。
參考詞匯：
金融危機：Financial Crisis
參考答案：
I think we can sum up(總結，概括) the cause of our current economic crisis in one word — GREED(貪婪).
Over the years， mortgage lenders were happy to lend money to people who couldn‘t afford their mortgages. But they did it anyway because there was nothing to lose. These lenders were able to charge higher interest rates and make more money on sub-prime loans. If the borrowers default，they simply seized the house and put it back on the market. On top of that， they were able to pass the risk off to mortgage insurer or package these mortgages as mortgage-backed securities. Easy money!and what went wrong with our financial system?
在過去的幾年里，抵押貸款銀行很樂意借錢給那些付不起抵押貸款的人。但他們做到了，因為沒有什么可以失去。這些貸款人可以收取較高的利率和賺更多的錢的次級貸款。如果借款人違約，他們就干脆把房子沒收，把它放回市場。在這一方面，他們可以通過風險的抵押貸款保險公司或包裝這些抵押貸款抵押貸款證券。易錢！我們的金融系統出了什么問題？
The whole thing was one big scheme. Everything was great when houses were selling like hot cakes and their values go up every month. Lenders made it easier to borrow money，and the higher demand drove up house values. Higher house values means that lenders could lend out even bigger mortgages， and it also gave lenders some protection against foreclosures. All of this translates into more money for the lenders， insurers， and investors. Unfortunately， many borrowers got slammed when their adjustable mortgage finally adjusted. When too many of them couldn‘t afford to make their payments， it causes these lenders to suffer from liquidity issue and to sit on more foreclosures than they could sell. Mortgage-backed securities became more risky and worth less causing investment firms like Lehman Brothers to suffer.
整件事是一個大計劃。房子賣的很好，每一個月的價值都會漲起來，每樣東西都很好。貸款使它更容易借錢，而更高的需求推動了房子的價值。高房價意味著貸款人可以提供了更大的抵押貸款，它也給一些銀行對抵押品贖回權的保護。所有這些都意味著更多的錢給了銀行、保險公司和投資者。不幸的是，許多借款人在可調整的抵押貸款最終調整后被關上了。當太多的人不能使他們的付款，這會導致這些貸款人遭受流動性問題，在更多的贖回比他們可以出售。抵押貸款支持的證券變得更高風險，值得投資的公司像雷曼兄弟一樣遭受痛苦。
Moreover，insurers like AIG who insured these bad mortgages also got in trouble. The scheme (體系，結構)worked well， but it reverses course and is now coming back to hurt everyone with a vengeance.
此外，像美國國際集團保險公司投保誰這些不良貸款也陷入麻煩。方案（體系，結構）運作良好，但它推翻當然，現在回來傷害人的報復。
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