The average life of a loan has grown too, to more than five years.

平均贷周期也延长到超过五年。

C) They will over-borrow and live beyond their means.

C，他们会过度贷，入不敷出。

Who is going to supervise, regulate and operate as lender of last resort with the gigantic banks that are being created?

如果合并后如此巨大银行出现，谁来充当最贷者，发挥监督、规范运作作用呢？

The Department of Justice has asked two big car-loan companies, GM Financial, a unit of General Motors, and Santander Consumer, controlled by Spain's Santander Group, for details about their subprime underwriting and securitisation.

司法部要求两大汽车贷公司，通用旗下通用金融西班牙桑坦德集团控制下桑坦德消费银行提供其次级证券包销标准以及证券化细节。

And if you increase interest rates, what you do is you discourage people from borrowing, whether they are individuals or whether they are businesses - and of course the economy starts slowing down.

如果你提高利率，你所做就是阻止人们贷，无论他们是个人还是企业——当然，经济会开始放缓。

Young people also borrow more heavily than did older generations, and they spend a much greater proportion of their income on image goods and status possessions.

年轻人也比老一代人贷更多，他们把收入很大一部分花在形象商品财产上。

However, this move makes it too costly to borrow money and hurts economic growth.

然而，此举使贷成本过高，并损害了经济增长。

That means debt's taking on a bigger and bigger role in financing education.

这意味着贷在提供教育费用中发挥着越来越重要作用。

But the globalized world we inhabit — one of start-ups, the ability to move money and borrow cheaply, and companies operating across borders — owes a lot to the Austrian, Friedrich Hayek, and his light bulb moment.

但我们所处全球化世界——创业公司、资金得以流动以及可以低成本贷，还有跨国经营公司——很大程度都要归功于奥地利人弗里德里希·哈耶克他那灵光一现时刻。

Tax cuts were paid for by extra borrowing.

减税是通过额外贷来支付。

If inflation starts to sag, the Fed might reduce interest rates to encourage borrowing.

如果通货膨胀开始下降，美联储可能会降低利率以鼓励贷。

Millions of Americans take out these loans every year.

每年，有数百万美国人贷此类贷款。

Consumers are spending despite rising borrowing costs.

尽管贷成本在上升，消费者仍保持消费。

By 2006, half of all the loans called subprime were also liar's loans.

截至2006年，半数被称为次贷款，同时也是欺骗性贷。

The deficit was created by an economic slowdown, higher borrowing costs and energy support measures.

预算赤字是由经济放缓、贷成本上升能源支持措施造成。

As a result, borrowing money becomes more costly.

因此，贷成本变得更高。

It wouldn't be a loan or a gift.

这不是贷或礼物。

After a month of acrimonious negotiations between Greece and its credits, patience is wearing thin.

希腊贷方已经进行了一个月激烈协商，目前耐心已经所剩无几了。

This is a big setback, Rachel, for those borrowers and for the Biden administration's program.

蕾切尔，这对贷人拜登政府项目来说都是一个重大挫折。

Soon, student loan payments are starting back up for 40 million borrowers.

很快，4000万贷人助学贷款又要开始偿还了。