Ok, but I'm taking your skateboard as collateral.

好吧，我拿滑板鞋作为抵押。

The problem persists today, and we've seen it most recently in the foreclosure crisis.

这个问题今天依然存在，我们最近在丧失抵押赎回权危机中会常常看到这个问题。

But lenders' greatest risk is that the gold price falls, undermining collateral values.

但出借方最大风险是，黄金价格下跌，破坏抵押价值。

Ok, but I'm taking your skateboard as collateral.

好吧，我要拿滑板鞋作为抵押。

This is the collateral you give me.I give you the loan.

这是我抵押 我贷。

Other reforms enabled women to use their land as collateral to obtain loans.

还有一些其他改革允许女性用地作为抵押得贷。

'The firm does so when the security is good, ' I answered.

'如果抵押值钱，本行是办理这种业务。'我回答说。

That is because the investments provided as collateral have a very low risk of default.

这是因为作为抵押提供投资违约风险非常低。

That led to a wave of foreclosures.

这导致了一波取消抵押赎回权浪潮。

The banker doesn't know whether or not to foreclose which would be a disaster.

银行可能会扣下抵押，这是个隐患。

People who find themselves upside down in their mortgage often have no choice but to foreclose.

当人们发现自己负债与贷关系" 颠倒" 之后，他们通常不得不取消抵押赎回权。

The deep economic downturn is usually marked by events like mass job losses, bankruptcies, and foreclosures.

这种严重经济低迷通常伴随着大规模失业，企业破产潮以及丧失抵押赎回权等现象。

The wide-ranging legislation would also extend the eviction and foreclosure moratoriums until the end of September.

这项范围广泛立法还将把暂停驱逐和取消抵押赎回权期限延长到9月底。

And the number of homeowners filing for foreclosure has hit its lowest point in three years.

而申请丧失抵押赎回权房主数量达到了三年最低点。

Most collateral is now high-quality American Treasury bonds or bills. Even so, there are reasons to worry.

现在大多数抵押都是高质量美国国债或票据。即便如此，还是有理由担忧。

To provide a buffer, regulators had required that loans be less than 75% of the value of collateral.

为了提供缓冲，监管方要求贷低于抵押价值75%。

Under the central bank's new program, banks can offer certain investments as collateral to borrow for an emergency.

根据央行新计划，银行可以提供某些投资作为抵押，以备不时之需。

According to regulators, the extra insurance burden may have helped push already struggling families over the foreclosure cliff.

据监管机构表示，额外保险负担可能会使本就困难重重家庭面临丧失抵押赎回权处境。

It says its newest studies show a decrease in home sales related to foreclosure or other kinds of distress.

该公司最新一项研究表明，因丧失抵押赎回权或其它被迫类型而销售房屋数量在持续下降。

Regulators are hitting 10 mortgage-servicing companies with 8.5 billion dollars in penalties for widespread abuses involving mortgages and foreclosures.

10家抵押公司因滥用抵押贷和取消抵押赎回权而受到总共85亿美元处罚。