次优贷款危机的延伸：银行的五个首要贷款问题

Beyond Subprime: Banks\' Top 5 Problem Loan Areas

Posted Jul 03, 2008 02:45pm EDT by Aaron Task in Investing, Recession, Banking

过去几个星期已经使得我们对嘴里反复念叨的经文，“信贷危机正在结束”，
进行反思。
The past few weeks have brought a serious rethinking of the credit crunch is ending mantra that was making the rounds on Wall Street in March and April.

不但没有结束，信贷危机的影响正在从次优按揭向其他领域延伸。
Rather than ending, the credit crunch is moving beyond its subprime mortgage origins. According to Richard Suttmeier, chief market strategist of RightSide.com, the top five problem loan sectors to watch now are:

目前的五个首要信贷问题：
Credit card debt （信用卡债务）
Home equity loans （购房贷款）
Commercial real estate loans （商用楼宇贷款）
Commercial and development loans （商业和开发贷款）
Derivatives generally ($182 trillion notional value) （衍生贷款）

Each of these potentially bad loan categories are rising among FDIC insured institutions, Suttmeier notes. Rather than pulling back, he says borrowers are tapping outstanding lines of credit while banks are using tricks (like making payments on behalf of debtors) in order to keep the loans in the current category. （注释：如果是真的，那就
是个人和银行都在胡来了）

This practice has got to stop, Suttmeier says.