来自《耶鲁大学开放课程：金融市场 第24集 第24集》

• 
  
  We still see inequality getting worse,
  不平等仍将愈演愈烈
• 
  
  so I think that is a challenge
  我认为这将是
• 
  
  toward improving risk management institutions.
  对于改善风险管理机构的挑战
• 
  
  The subprime crisis that we're in now is really substantially
  我们经历的次贷危机很大程度上
• 
  
  due to failures of our risk management institutions.
  是由于我们风险管理机构的失灵
• 
  
  Notably, we have had a failure to provide institutions
  很显然 我们没有提供专业机构
• 
  
  to help people to diversify their own household portfolios.
  帮助人们多样化其家庭投资组合
• 
  
  So, people who bought a house
  因此 对于买房子的人来说
• 
  
  would have been in a highly leveraged position and
  他们的投资杠杆水平太高
• 
  
  vulnerable to risks of changes in home prices and to other risks.
  极易受房价变动和其他风险的影响
• 
  
  We need to go a lot further.
  我们还需要更进一步看待这个问题
• 
  
  Now, part of this theme of democratization of finance is that
  现在 金融民主化的一部分主旨是