急!请英语高手帮忙翻译一下以下这段话 上课时要用 希望专业一些的翻译 不要用翻译软件

Question

次贷危机又称次级房贷危机，它是指一场发生在美国，因次级抵押贷款机构破产、投资基金被迫关闭、股市剧烈震荡引起的风暴。它致使全球主要金融市场隐约出现流动性不足危机。美国“次贷危机”是从2006年春季开始逐步显现的。2007年8月席卷美国、欧盟和日本等世界主要金融市场。引起美国次级抵押贷款市场风暴的直接原因是美国的利率上升和住房市场持续降温。次级抵押贷款是指一些贷款机构向信用程度较差和收入不高的借款人提供的贷款。
在美国，贷款是非常普遍的现象，从房子到汽车，从信用卡到电话账单，贷款无处不在。当地人很少全款买房，通常都是长时间贷款。可是我们也知道，在这里失业和再就业是很常见的现象。这些收入并不稳定甚至根本没有收入的人，他们怎么买房呢？因为信用等级达不到标准，他们就被定义为次级信用贷款者，简称次级贷款者。
由于之前的房价很高，银行认为尽管贷款给了次级信用贷款者，如果贷款者无法偿还贷款，则可以利用抵押的房屋来还，拍卖或者出售后收回银行贷款。但是由于房价突然走低，贷款者无力偿还时，银行把房屋出售，但却发现得到的资金不能弥补当时的贷款+利息，甚至都无法弥补贷款额本身，这样银行就会在这个贷款上出现亏损。
一个两个贷款者出现这样的问题还好，但由于分期付款的利息上升，加上这些贷款者本身就是次级信用贷款者，这样就导致了大量的无法还贷的贷款者。正如上面所说，银行收回房屋，却卖不到高价，大面积亏损，引发了次债危机。

次贷危机的影响：
首先，受到冲击的是众多收入不高的购房者。由于无力偿还贷款，他们将面临住房被银行收回的困难局面。
其次，今后会有更多的次级抵押贷款机构由于收不回贷款遭受严重损失，甚至被迫申请破产保护。
最后，由于美国和欧洲的许多投资基金买入了大量由次级抵押贷款衍生出来的证券投资产品，它们也将受到重创。

Answer 1

Times of crisis also known as the subprime mortgage loan crisis, which refers to a place in the United States, as a result of subprime lending institutions go bankrupt investment funds have been forced to close, the stock market turbulence caused by the violent storm. It resulted in major financial markets around looming lack of liquidity crisis. U.S. "sub-loan crisis" from the spring of 2006 to begin the show. August 2007 swept across the United States, the European Union and Japan, the world's major financial markets. The United States subprime mortgage market turmoil in the United States is the direct cause of the rise in interest rates and housing market continued to cool. Subprime mortgage lending refers to the number of bodies credibility to the extent of poor and low income borrowers of loans.
In the United States, the loan is a very common phenomenon, from house to the car, from credit card to the phone bill, credit everywhere. Few people buy the whole paragraph, the loans are usually for a long time. But we also know where unemployment and re-employment is a very common phenomenon. These income is not stable or even no income, how they buy it? Because the credit rating are not up to standard, they are defined as sub-credit loans, referred to as sub-borrowers.
Because of high prices before, that despite the bank to provide loans to the sub-credit loans, if the borrower can not repay the loan, it can be used also to the housing mortgage, sale or auction after the recovery of bank loans. However, due to lower prices of a sudden, are unable to repay loans, the Housing Bank to sell, but the funds can not be found to make up for that time of the loan + interest, and even can not make up for the loan itself, so that the bank will loan the losses incurred .
One of the two lenders in such a good, but because of rising interest rates, the installments, together with the loans themselves are sub-credit borrowers, thus leading to a large number of those who can not repay the loan. As mentioned above, the Housing Bank to recover, but can not sell at high prices, large losses, led to the debt crisis meeting.

Loan-to-time crisis:
First of all, the impact is one of the many high-income buyers. Due to inability to repay loans, they will face a housing bank was recovered a difficult situation.
Second, there will be more in the future of the subprime mortgage lending institutions because of Shoubu Hui suffered severe damage and even forced to file for bankruptcy protection.
Finally, the United States and Europe as a result of a number of investment funds by buying a large number of subprime mortgage securities derived from investment products, they will also be badly hit.
哎呀~~累死了！！！

Answer 2

次贷危机翻成SUBPRIME CRISIS就可以了楼上这位
LZ啊，作业要自己做。。
放那么大段东西上来，多半人家会机翻，即便给再多分数。。像LS这样的好人不多了。。尽管也是。。哎

Answer 3

lz，可以分成几段，多提问几次就好了。这样好长，一楼好人啊。