Question

请各位高手帮忙翻译下这篇英语作文，谢谢

What Caused The Financial Crisis？
I think we can sum up（总结，概括） the cause of our current economic crisis in one word — GREED（贪婪）.
Over the years， mortgage lenders were happy to lend money to people who couldn‘t afford their mortgages. But they did it anyway because there was nothing to lose. These lenders were able to charge higher interest rates and make more money on sub-prime loans. If the borrowers default，they simply seized the house and put it back on the market. On top of that， they were able to pass the risk off to mortgage insurer or package these mortgages as mortgage-backed securities. Easy money！and what went wrong with our financial system？
The whole thing was one big scheme. Everything was great when houses were selling like hot cakes and their values go up every month. Lenders made it easier to borrow money，and the higher demand drove up house values. Higher house values means that lenders could lend out even bigger mortgages， and it also gave lenders some protection against foreclosures. All of this translates into more money for the lenders， insurers， and investors. Unfortunately， many borrowers got slammed when their adjustable mortgage finally adjusted. When too many of them couldn‘t afford to make their payments， it causes these lenders to suffer from liquidity issue and to sit on more foreclosures than they could sell. Mortgage-backed securities became more risky and worth less causing investment firms like Lehman Brothers to suffer.
Moreover，insurers like AIG who insured these bad mortgages also got in trouble. The scheme （体系，结构）worked well， but it reverses course and is now coming back to hurt everyone with a vengeance

Answer 1

是什么引发的金融危机吗？

我觉得我们可以总结（总结，概括）的一句话引起我们目前的经济危机 - 贪婪（贪婪）。

多年来，按揭贷款人乐意借钱的人谁买不起他们的抵押贷款。但不管怎样，他们这样做，是因为没有什么可输的。这些贷款人可以收取较高的利率，并就次级贷款更多的钱。如果借款人违约，他们只是抓住了房子，投入市场回来。最重要的是，他们能够通过把风险抵押保险人或包装为按揭证券这些抵押贷款。轻松赚钱！和什么地方与我们的金融系统出现问题？

整个事情是一个大计划。一切都是伟大的，当房子像热蛋糕和他们的价值观，每月销售上升。贷款人可以更容易借到钱，具有较高的需求抬高了房价。房价意味着更高的贷款人可以借出更大的抵押贷款，同时也给了一些对贷款人丧失抵押品赎回权的保护。所有这一切都转化为更多的钱为贷款人，保险公司和投资者。不幸的是，很多借款人时，抨击了他们的可调整抵押贷款终于调整。当太多的负担不起，使他们的付款，这会导致这些贷款人遭受流动性问题，并坐在比他们更取消抵押品赎回权可以出售。抵押贷款支持证券的价值变得更加危险和减少物质，如雷曼兄弟投资公司受到损害。

而且，像美国国际集团投保谁这些也陷入困境不良抵押贷款保险公司。该计划（体系，结构）运作良好，但它扭转当然，现在回来伤害，每个人复仇

Answer 2

什么引发金融危机？
引起目前的经济危机的原因,我们可以总结为一个「贪」字。多年来，按揭贷款人乐意借钱给付不起贷款的人。因为他们明知这样做必赚的。这些贷款人可以收取较高的利率，从高利息贷款赚更多的钱。如果借款人违约，他们就扣押了房子卖掉它。最重要的是，他们把风险转移给贷款保险人,或将这些抵押贷款包装为按揭证券。轻松赚钱！金融系统什么地方出现问题？

整个事件是一个大阴谋。当房子热销,价值每月上升时,一切都那麼美好,。贷款人变得更容易贷款。因为较高需求抬高了房价。房价上升意味着贷款人可以借出更大的抵押贷款，同时也给了贷款人更多人抵押权。所有这一切都转化为贷款人、保险公司和投资者更多的利润。不幸的是，很多借款人终于面临调整「可调整抵押贷款」。当太多人负担不起他们的付款，就导致贷款人流动资金出现问题，并手上拥有过多的抵押品要出售。按揭证券变得更加危险和价值下降,以至像雷曼兄弟投资公司一样,受到重创。

而且，像美国国际集团就为投保这些不良抵押贷款也受连累陷入困境。本来这个结构运作良好，但它改变路线,反转过来向每个人报复。