[轉載] The Credit Crunch 信用危機

這是一篇在網路上轉寄的一篇文章，他針對了最近信用危機 (Credit Crunch) 導致的次級房貸風波 (Subprime Crisis) 提出說明。淺顯易懂，可以讓大家參考一下。原文如下：


過去在美國，貸款是非常普遍的現象，從房子到汽車，從信用卡到電話帳單，貸款無處不在。當地人很少一次現金買房，通常都是長時間貸款。可是我們也知道，在美國失業和再就業是很常見的現象。這些收入並不穩定甚至根本沒有收入的人，他們怎麼買房子呢？因為信用等級達不到標準，他們就被定義為次級貸款者。

From the Day Lehman Fell Down to Work Philosophy

Although all of us have already known the financial industry is heading to an incredible crisis, no one has expected that day would come in a hasty and astonishing way.

It was a regular Sunday night to me. I poured the last of bottle of wine and randomly browsed TV channels from my comfortable cheap coach. Suddenly, the breaking news on CNN showed a shot at the front of Lehman Brother’s home office in Time Square and reported, "The employees of Lehman Brothers are packing their stuff on this Sunday night, since the company is already full of rumors of bankruptcy. You can see the people are coming in and out right now." The next second, I was dialing my friends who work for Lehman but no one answered. I was shocked!