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正文
Beyond Subprime: Banks' Top 5 Problem Loan Areas
Posted Jul 03, 2008 02:45pm EDT by Aaron Task in Investing, Recession, Banking
過去幾個星期已經使得我們對嘴裏反複念叨的經文，“信貸危機正在結束”，
進行反思。
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.
不但沒有結束，信貸危機的影響正在從次優按揭向其他領域延伸。
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:
目前的五個首要信貸問題：
Credit card debt （信用卡債務）
Home equity loans （購房貸款）
Commercial real estate loans （商用樓宇貸款）
Commercial and development loans （商業和開發貸款）
Derivatives generally ($182 trillion notional value) （衍生貸款）
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. （注釋：如果是真的，那就
是個人和銀行都在胡來了）
This practice "has got to stop," Suttmeier says.
Posted Jul 03, 2008 02:45pm EDT by Aaron Task in Investing, Recession, Banking
過去幾個星期已經使得我們對嘴裏反複念叨的經文，“信貸危機正在結束”，
進行反思。
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.
不但沒有結束，信貸危機的影響正在從次優按揭向其他領域延伸。
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:
目前的五個首要信貸問題：
Credit card debt （信用卡債務）
Home equity loans （購房貸款）
Commercial real estate loans （商用樓宇貸款）
Commercial and development loans （商業和開發貸款）
Derivatives generally ($182 trillion notional value) （衍生貸款）
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. （注釋：如果是真的，那就
是個人和銀行都在胡來了）
This practice "has got to stop," Suttmeier says.
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