Even absent such a decline, lenders remain cautious, punishing those who never indulged during the boom.

即使没有这样的下降，贷款人仍要保持谨慎态度，来惩罚那些在繁盛时期从未恣意妄为的人。

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Then lenders also start believing that they will get back all the money they lend.

接着贷款人也开始相信他们会收回他们借出去的所有的钱。

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Lenders carry the scars of the housing crash.

借款者们承受起楼市崩盘的剧痛。

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And just last week the Treasury seized control of Fannie Mae and Freddie Mac, the giant government-sponsored mortgage lenders .

就在上周，财政部控制了政府支持的抵押贷款巨头房地美和房利美。

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Predictably, lenders saw through the announcements and understood the unfeasibility of the underlying fiscal cuts.

可预见的是，贷款者已经看透了这些声明，理解了基础财政缩减的不可能性。

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A default could trigger demands by lenders like money-market funds for more or different collateral.

赖账就可能导致一些基金会贷款者提高担保金数额或者要求改用别种形式的担保金。

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Historians blame America's central bankers for not doing more to protect smaller lenders .

历史学家指责美国中央银行的官员们没有尽力保护规模较小的银行。

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Interest is usually not part of the agreement. Some lenders said they did not even expect to be repaid.

利息通常不计。一些借款人表示，他们甚至不指望偿还。

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The other five failed banks are from Spain, where the bursting of a real-estate bubble has saddled lenders with swelling piles of bad loans.

另外5家未过关银行来自西班牙，西班牙的房地产泡沫导致银行坏账大幅增加。

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Money is paid directly to educational establishments, further reducing risk for lenders .

另外钱款直接汇到学校，这就进一步减少了贷款人的风险。

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Nobody wants to see a repeat of the devastating crash of the early 1980s, which drove hundreds of farms and lenders out of business.

没有人想看到20世纪80年代初毁灭性崩溃的那一幕重演，迫使数百农田和放贷者无法运行。

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Lenders that fail the trials will be made to raise additional capital.

没有通过测试银行将额外补充资本。

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Most American banks, and some nonbank lenders , participate. For information, click here.

美国多数银行及部分非银行贷款者都参与了7（a）贷款计划。

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In the latest sign of distress, Capmark, one of America's largest commercial-property lenders , filed for bankruptcy on Sunday.

美国最大的商业房贷商Capmark在星期天申请破产，成为小型银行仍处于痛苦时期的最新证据。

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The longer euro-zone governments dither, the more lenders doubt whether their promises to save Greece are worth anything.

欧元区政府拖得越久，怀疑其能否救得了希腊的声音就越多。

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There are too many potentially needy debtors and too few credible lenders .

欧洲已经不能自救了。潜在的债务人太多而可靠地贷款人太少。

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Other European lenders were also lower, with French banking stocks in particular coming under pressure.

其他欧洲银行也普遍走低，法国银行个股尤其面临下跌压力。

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Initially, many thought the financial crisis would be disastrous for subprime lenders , but that just hasn't panned out.

起初很多人认为金融危机对次级市场放款者来说是一场大灾难，但这最终只是“认为”。

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However, when buying commodities is for speculation, the lenders suffer high risk without benefiting the economy.

然而，当购买商品的目的是为了投机，放款者就要承受高风险，经济亦不能从中受惠。

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If borrowing costs are cut further in coming months as expected, lenders may soon have to cope with zero interest rates.

如果贷款费用在未来几个月中如期继续下跌的话，贷款者可能很快会面对零利率了。

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Last week two big financial companies announced that they had been unable to raise the cash demanded by their lenders .

上周，两家大型金融公司宣布他们无法筹集足够的现金以满足借款者的要求。

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When do lenders price additional risk to federal borrowing, leading to a damaging spike in interest rates?

什么时候针对联邦借款的贷方价格额外风险才会对利率造成破坏性打击？

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Hundreds of colleges have contracts with lenders .

数以百计的院校与银行这一贷方签有类似的合同。

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Incidentally, this will drive a lot of cash into the coffers of mortgage lenders , which will help with the subprime mess.

顺便提一句，这将导致大量现金流入抵押贷款提供者的账户，从而有助于缓解次贷危机。

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Interest charged by private lenders can be as high as 90 percent, inviting comparisons with dodgy investment schemes.

私人借贷者要求的利率可以高达90%，这几乎是任何高风险的投资计划都无法比拟的。

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Those fixed-rate loans are backed by the government, and lenders are more willing to give them out than private loans.

虽然放款人比较希望由政府提供的国定利率能够使贷款的提供高于私人贷款。

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All of this helps explain why lenders have lost faith in peripheral European economies.

所有这些都都成为债权人对周边的欧洲经济体失去信任的理由。

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He pushed federal agencies and private lenders to devise new ways of helping Americans buy homes.

他推动美国联邦机构和私人贷款公司设计新的产品，以帮助更多美国人购置房产。

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Deflation, in effect, takes real resources away from borrowers and redistributes them to lenders .

通缩于效果上是剥夺借款人的实际资源并将其再分配给放贷人。

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At that time, regulators also pressured lenders to cut dividends and shore up their finances as loan losses mounted.

同时，监管者还施加压力让借款方减少股息，在大量贷款损失的情况下支撑住他们的财务。

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