美国银行蹚浑水 白衣骑士收残局

英语自学网

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美国银行与房利美签订了一项高达上百亿美元的协议，终结了多年有关谁为付不起贷款的美国家庭负责的扯皮。
Hints:
Bank of America
Fannie Mae
Bill Brown
Duke University
Countrywide
Freddie Mac
主持&翻译：fuzinxia
校对&注释：13blue
答疑：betty0925
口语点评：lsy34
口语节目地址：http://bulo.hujiang.com/menu/2120/item/717891/Bank of America has reached a multi-billion-dollar settlement with the government-backed US mortgage lender known as Fannie Mae. It's a deal that ends years of legal wrangling between the two over who is liable for tens of thousands of loans which American homeowners failed to repay. Under the terms of the settlement, Bank of America is paying Fannie Mae several billion dollars and buying back 30,000 home loans. In total the deal will cost the bank some $11 billion. So how did Bank of America get itself into this mess in the first place? Over to Professor Bill Brown of Duke University in the US.
Fannie Mae and Freddie Mac obviously had been generating, originally they were set up to generate high-quality debt and ultimately they started investing themselves in subprime debt. Countrywide was one of the biggest originators of subprime debts. So in 08 when the fed came along and was trying to clean up the banking system, they knew that they needed to have someone take over Countrywide. And so Bank of America actually came in as somewhat of a white knight to take Countrywide off the country's hands and try to rehabilitate Countrywide and all the mess it had created.美国银行和政府赞助的美国抵押贷款协会房利美达成了一项数十亿美元的协议，以消弭多年来关于谁该为数万美国私房屋主还不起房贷负责的法律争端。根据协议条款，美国银行将付给房利美几十亿美元并买回3万户住房贷款。最终美国银行将花费合计约110亿美元。那么美国银行当初是怎么卷入这个泥潭的呢？现在交给美国杜克大学的比尔布朗教授（解说）
很明显房利美和房地美一直都在产生（此处应该是教授说到一半转换话头了），最初设立他们的本意是产生优质债，但最终他们却开始投资次级债。Countrywide是最大的次级债发行人之一。所以当08年联邦调查人员介入清理银行系统时，他们心知肚明需要有人接手Countrywide。这么着，美国银行就以某种白衣骑士之姿从国家手中接过了Countrywide，以助其收拾残局，起死回生。