@prefix rdf: . @prefix dbpedia: . @prefix ns2: . dbpedia:Subprime_lending rdf:type ns2:InterestRates . @prefix owl: . dbpedia:Subprime_lending owl:sameAs . @prefix foaf: . @prefix ns5: . dbpedia:Subprime_lending foaf:page ns5:Subprime_lending . @prefix dbpprop: . dbpedia:Subprime_lending dbpprop:reference , , , , . @prefix rdfs: . dbpedia:Subprime_lending rdfs:label "Subprime lending"@en , "Cr\u00E8dit Subprime"@ca , "Kredyt subprime"@pl , "Cr\u00E9dito subprime"@es , "Subprimel\u00E5n"@sv , "Subprime-Markt"@de , "Subprime"@fr , "Subprime"@it , "\u30B5\u30D6\u30D7\u30E9\u30A4\u30E0\u30ED\u30FC\u30F3"@ja , "\u6B21\u7EA7\u8D37\u6B3E"@zh , "Subprime"@no , "Subprime"@pt ; dbpprop:abstract "I subprime, o \"B-Paper\", \"near-prime\" o \"second chance\" sono quei prestiti che vengono concessi ad un soggetto che non pu\u00F2 accedere ai tassi di interesse di mercato, in quanto ha avuto problemi pregressi nella sua storia di debitore. I prestiti subprime sono rischiosi sia per i creditori sia per i debitori, vista la pericolosa combinazione di alti tassi di interesse, cattiva storia creditizia e situazioni finanziarie poco chiare, associate a coloro che hanno accesso a questo tipo di credito. La tipologia subprime comprende un'ampia variet\u00E0 di strumenti di credito, quali i mutui subprime, i prestiti d'auto subprime, le carte di credito subprime. Un'attivit\u00E0 subprime si qualifica prevalentemente per lo stato della parte debitrice. Un mutuo subprime \u00E8, per definizione, un mutuo concesso ad un soggetto che non poteva avere accesso ad un tasso pi\u00F9 favorevole nel mercato del credito. I debitori subprime hanno tipicamente un basso punteggio di credito e storie creditizie fatte di inadempienze, pignoramenti fallimenti e ritardi. Poich\u00E9 i debitori subprime vengono considerati ad alto rischio di insolvenza, i prestiti subprime hanno tipicamente condizioni meno favorevoli delle altre tipologie di credito. Queste condizioni includono tassi di interesse, parcelle e premi pi\u00F9 elevati. Coloro che proponevano i mutui subprime negli Stati Uniti hanno sottolineato il ruolo che questa tipologia creditizia ha nell'estendere l'accesso al mercato del credito a consumatori che non l'avrebbero altrimenti. Eppure gli oppositori hanno criticato l'industria del credito subprime per aver messo in atto pratiche predatorie, come l'aver accettato clienti che non avevano chiaramente le risorse per soddisfare i termini dei contratti, o di aver portato le rate dei mutui a tasso variabile a un livello insostenibile per i redditi medi, senza consentire una rinegoziazione dei debiti o un allungamento della loro durata. Il credito subprime avrebbe garantito un diritto ad un accesso universale al credito, ma in modo non selettivo rispetto agli impieghi. Altre iniziative, come il microcredito alle imprese o prestiti d'onore agli studenti meno abbienti, consentono un accesso a queste categorie, ma privo di guadagni speculativi. Queste critiche sono aumentate esponenzialmente a partire dal 2006, in risposta alla crescente crisi dell'industria statunitense dei mutui ipotecari subprime: centinaia di migliaia di debitori sono stati costretti all'insolvenza e per molte compagnie prestatrici \u00E8 stata presentata istanza di bancarotta."@it , "Els cr\u00E8dits subprime (coneguts com B-paper, near-prime, non-prime, second chance lending) s\u00F3n aquells pr\u00E9stecs que tenen un tipus d'inter\u00E8s bancari major que el tipus d'inter\u00E8s preferencial. Aquests poden fer-se sobre hipoteca, pr\u00E9stecs automotors i targetes de cr\u00E8dit."@ca , "Subprime redirects here. For the 2007 house mortgage crisis, see Subprime mortgage crisis. Subprime lending (near-prime, non-prime, or second-chance lending) in finance means making loans that are in the riskiest category of consumer loans and are typically sold in a market from prime loans. The standards for determining risk categories refer to the size of the loan, \"traditional\" or \"nontraditional\" structure of the loan, borrower credit rating, ratio of borrower debt to income or assets, ratio of loan to value or collateral, documentation provided on those loans which do not meet Fannie Mae or Freddie Mac underwriting guidelines for prime mortgages (are \"non-conforming\"). Although there is no single, standard definition, in the United States subprime loans are usually classified as those where the borrower has a FICO score below 640. Subprime lending encompasses a variety of credit types, including mortgages, auto loans, and credit cards. The term was popularized by the media during the \"credit crunch\" of 2007. Subprime could also refer to a security for which a return above the \"prime\" rate is adhered, also known as C-paper. Subprime borrowers show data on their credit reports associated with higher default rates, including limited debt experience, excessive debt, a history of missed payments, failures to pay debts, and recorded bankruptcies. The Wall Street Journal reported in 2006 that 61% of all borrowers receiving subprime mortgages had credit scores high enough to qualify for prime conventional loans. Proponents of subprime lending maintain that the practice extends credit to people who would otherwise not have access to the credit market."@en , "Em sentido amplo, subprime (do ingl\u00EAs subprime loan ou subprime mortgage) \u00E9 um cr\u00E9dito de risco, concedido a um tomador que n\u00E3o oferece garantias suficientes para se beneficiar da taxa de juros mais vantajosa (prime rate). Em sentido mais restrito, o termo \u00E9 empregado para designar uma forma de cr\u00E9dito hipotec\u00E1rio (mortgage) para o setor imobili\u00E1rio, surgida nos Estados Unidos e destinada a tomadores de empr\u00E9stimos que representam maior risco. Esse cr\u00E9dito imobili\u00E1rio tem como garantia a resid\u00EAncia do tomador e muitas vezes era acoplado \u00E0 emiss\u00E3o de cart\u00F5es de cr\u00E9dito ou a aluguel de carros. O termo \u00E9 derivado de prime lending rate - a taxa de juros contratada com os tomadores mais confi\u00E1veis. Assim, prime lending designa o cr\u00E9dito concedido aos tomadores confi\u00E1veis e subprime lending se refere ao cr\u00E9dito dado \u00E0queles tomadores que t\u00EAm maior risco de inadimpl\u00EAncia. A diferen\u00E7a entre as duas taxas - subprime lending rate e prime lending rate - corresponde \u00E0 remunera\u00E7\u00E3o do risco adicional envolvido no empr\u00E9stimo dado a quem oferece garantias insuficientes. Por outro lado, numerosos cr\u00E9ditos s\u00E3o concedidos a taxas vari\u00E1veis. No caso dos cr\u00E9ditos subprime, a taxa inicial pode ser atraente (teaser rate), ou seja, inferior \u00E0 taxa fixa de um empr\u00E9stimo normal. Para os credores, os empr\u00E9stimos subprime eram considerados como individualmente arriscados - mas, coletivamente, seguros e rent\u00E1veis. A estimativa de rentabilidade baseava-se em uma hip\u00F3tese de alta regular do pre\u00E7o dos im\u00F3veis, o que vinha acontecendo nos Estados Unidos, desde 1945. Assim, se um devedor se tornasse inadimplente, era sempre poss\u00EDvel revender a propriedade com lucro."@pt , "Subprimel\u00E5n \u00E4r ett amerikanskt begrepp som i slutet av 2007 \u00E4ven b\u00F6rjade anv\u00E4ndas av svenska massmedia och svenska finansbranschen. Sj\u00E4lva begreppet syftar p\u00E5 den del av den l\u00E5nemarknaden i F\u00F6renta staterna som riktar sig till mindre kreditv\u00E4rdiga l\u00E5ntagare. Vid subprimel\u00E5n ges l\u00E5n i f\u00F6rh\u00E5llande till v\u00E4rdet p\u00E5 de tillg\u00E5ngar som bel\u00E5nas, men ingen bed\u00F6mning g\u00F6rs av l\u00E5ntagarens betalningsf\u00F6rm\u00E5ga. Tanken \u00E4r att tillg\u00E5ngen ska \u00F6ka i v\u00E4rde och att l\u00E5ntagaren d\u00E4rf\u00F6r ska ha m\u00F6jlighet att ta ytterligare l\u00E5n f\u00F6r att betala av de gamla skulderna. Under h\u00F6sten 2007 f\u00F6rs\u00E4mrades m\u00E5nga amerikanska l\u00E5ntagares m\u00F6jligheter att betala r\u00E4ntor och amorteringar p\u00E5 sina l\u00E5n, vilket gjorde att banker i flera l\u00E4nder fick g\u00F6ra stora avskrivningar av sina tillg\u00E5ngar. F\u00F6r att stimulera landets ekonomi s\u00E4nkte dess centralbank styrr\u00E4ntorna. Den 24 september 2008 h\u00F6ll president George W. Bush att tal d\u00E5 han presenterade f\u00F6rslaget om att regeringen skulle tillskjuta 700 miljarder dollar f\u00F6r att r\u00E4dda den amerikanska finanssektorn. I detta tal redogjorde han ocks\u00E5 f\u00F6r hur subprimekrisen skapades."@sv , "Un cr\u00E9dito subprime es una modalidad crediticia del mercado financiero de Estados Unidos que se caracteriza por tener un nivel de riesgo de impago superior a la media del resto de cr\u00E9ditos. Este tipo de operaciones, concedidas a particulares o empresas, tiene las siguientes caracter\u00EDsticas: La mayor parte de los cr\u00E9ditos subprime son de car\u00E1cter hipotecario. Las entidades financieras tienen un l\u00EDmite m\u00E1ximo fijado por la FED de cr\u00E9ditos de alto riesgo, si bien este l\u00EDmite puede ser superado por otras entidades intermediarias que pueden adquirir mediante una cesi\u00F3n de cr\u00E9dito los derechos al cobro de los cr\u00E9ditos subprime por parte de los bancos a terceros, a cambio de pagar a la entidad financiera un inter\u00E9s menor. El tipo de inter\u00E9s de un cr\u00E9dito subprime es superior a la media de los tipos de inter\u00E9s para pr\u00E9stamos de las mismas caracter\u00EDsticas dirigidos a usuarios solventes, variando entre 1,5 y 7 puntos m\u00E1s. El sistema de concesi\u00F3n de cr\u00E9ditos en Estados Unidos se basa en el establecimiento de una tasa de evaluaci\u00F3n del particular o la empresa que solicita el pr\u00E9stamo, de tal forma que aquellos que superan los 850 puntos en dicha evaluaci\u00F3n obtienen cr\u00E9ditos prime a un tipo de inter\u00E9s bajo y con amplias ventajas. Los que tienen una evaluaci\u00F3n entre 650 y 850 puntos se consideran solventes y los tipos de inter\u00E9s que se les aplican a las operaciones crediticias se encuentran dentro de la media nacional. Aquellos que tienen una puntuaci\u00F3n por debajo de 650 se consideran de alto riesgo, y son aquellos que pueden recibir los cr\u00E9ditos subprime, con tipos de inter\u00E9s m\u00E1s altos y m\u00E1s gastos en comisiones bancarias. En 2002 el volumen de cr\u00E9ditos subprime de las entidades financieras en Estados Unidos representaba el 7% del mercado hipotecario. En 2007 era del 12,5%. Los cr\u00E9ditos subprime, al igual que cualquier otro, pueden ser negociados por las entidades bancarias con otras empresas, de tal forma que se pueden ceder los mismos a cambio de obtener el pago de un inter\u00E9s menor. La ventaja de la entidad financiera al efectuar la cesi\u00F3n es poder garantizarse el cobro del cr\u00E9dito de manera r\u00E1pida. Las empresas que adquieren cr\u00E9ditos subprime tratan de obtener un beneficio por la diferencia entre lo pagado a la entidad financiera y lo que efectivamente tienen derecho a cobrar del particular deudor. Los problemas que puede generar el impago de los cr\u00E9ditos subprime dentro de la econom\u00EDa local y de la econom\u00EDa global est\u00E1 determinado por tres factores: El volumen total que representen los cr\u00E9ditos subprime sobre el total concedido. El n\u00FAmero de cr\u00E9ditos cedidos a terceros en operaciones de cesi\u00F3n de cr\u00E9ditos y las empresas titulares de los mismos. Cuando son los bancos los que soportan la mayor parte de la carga de los cr\u00E9ditos subprime, el riesgo afecta al sistema financiero; cuando son empresas de otro tipo, el riesgo afecta a distintos sectores econ\u00F3micos o bien a los m\u00E1s importantes. El impacto sobre la econom\u00EDa global, seg\u00FAn qu\u00E9 empresas, financieras o no de otros pa\u00EDses, hayan adquirido cr\u00E9ditos subprime."@es , "\u6B21\u7EA7\u8D37\u6B3E\u6216\u6B21\u7D1A\u6309\u63ED\uFF08\u82F1\u6587\uFF1Asubprime lending\uFF09\uFF0C\u662F\u4E3A\u4FE1\u7528\u8BC4\u7EA7\u8F83\u5DEE\u3001\u65E0\u6CD5\u4ECE\u6B63\u5E38\u6E20\u9053\u501F\u8D37\u7684\u4EBA\u6240\u63D0\u4F9B\u7684\u8D37\u6B3E\u3002\u6B21\u7EA7\u8D37\u6B3E\u7684\u5229\u7387\u4E00\u822C\u8F83\u6B63\u5E38\u8D37\u6B3E\u4E3A\u9AD8\uFF0C\u800C\u4E14\u5E38\u5E38\u662F\u53EF\u4EE5\u968F\u65F6\u95F4\u63A8\u79FB\u800C\u5927\u5E45\u4E0A\u8C03\u7684\u6D6E\u52A8\u5229\u7387\uFF0C\u56E0\u800C\u5BF9\u501F\u6B3E\u4EBA\u6709\u8F83\u5927\u98CE\u9669\u3002\u7531\u4E8E\u6B21\u7EA7\u8D37\u6B3E\u7684\u8FDD\u7EA6\u7387\u8F83\u9AD8\uFF0C\u5BF9\u4E8E\u8D37\u6B3E\u5546\u4E5F\u6709\u8F83\u6B63\u5E38\u8D37\u6B3E\u66F4\u9AD8\u7684\u4FE1\u7528\u98CE\u9669\u3002"@zh , "Subprime loan \u2013 kredyt bankowy, kt\u00F3rego oprocentowanie jest wy\u017Csze ni\u017C przy standardowym kredycie. Jego specyfika polega na tym, \u017Ce jest udzielany temu kredytobiorcy, kt\u00F3ry posiada z\u0142\u0105 \"histori\u0119 kredytu\" (np. niesp\u0142acanie na czas kredyt\u00F3w). Rozpowszechniony jest w szczeg\u00F3lno\u015Bci w Stanach Zjednoczonych. Kredyty subprime cechuj\u0105 si\u0119 du\u017Cym stopniem ryzyka zar\u00F3wno dla banku jak i dla kredytobiorcy. Do grona produkt\u00F3w subprime mog\u0105 by\u0107 zaliczane np. kredyty hipoteczne czy specjalne karty kredytowe."@pl , "Au sens le plus large, un \u00AB subprime \u00BB (subprime loan ou subprime mortgage en anglais) est un cr\u00E9dit \u00E0 risque, \u00E0 taux plus \u00E9lev\u00E9 pour l'emprunteur, et donc avec un rendement plus important pour le pr\u00EAteur afin de r\u00E9mun\u00E9rer le risque de non remboursement, cependant limit\u00E9 par la garantie hypoth\u00E9caire prise sur le logement. Pour que le cr\u00E9dit reste int\u00E9ressant pour l'emprunteur, des montages sophistiqu\u00E9s avec des taux variables et des produits financiers complexes pouvaient permettre de maintenir des taux bas en d\u00E9but de pr\u00EAt. Pour les cr\u00E9anciers, les pr\u00EAts subprime \u00E9taient consid\u00E9r\u00E9s comme individuellement risqu\u00E9s mais globalement s\u00FBrs et rentables. Cette perception reposait sur une hausse rapide du prix de l'immobilier. Si un emprunteur ne pouvait payer, le pr\u00EAteur r\u00E9cup\u00E9rerait son logement et le revendrait. En 2007, pr\u00E8s de trois millions de foyers am\u00E9ricains \u00E9taient en situation de d\u00E9faut de paiement."@fr , "Subprimel\u00E5n (ogs\u00E5 kjent som bare subprime) beskriver praksisen med \u00E5 gi l\u00E5n til l\u00E5ntagere som ikke kvalifiserer for de beste l\u00E5nerentene p\u00E5 grunn av deres d\u00E5rlige kreditthistorie. Subprimel\u00E5n er finansielt risikofylt for b\u00E5de l\u00E5ngivere og -tagere p\u00E5 grunn av kombinasjonen h\u00F8y l\u00E5nerente, d\u00E5rlig kreditthistorie og den ustabile finansielle situasjonen til subprime-l\u00E5ntagere. I norskspr\u00E5klig sammenheng ble ordet subprime brukt for f\u00F8rste gang i mediene den 26. februar 2007 av Dagens N\u00E6ringsliv. Ordet ble utpekt som \u00AB\u00E5rets finansord\u00BB av E24 i 2007. Det finnes ingen offisiell kredittprofil som definerer en subprime-l\u00E5ntager, men i USA har de fleste en kredittscore p\u00E5 under 620."@no , "Als Subprime-Markt wird ein Teil des privaten (also nicht f\u00FCr gewerbliche Zwecke dienenden) Hypothekendarlehenmarkts bezeichnet, der \u00FCberwiegend aus Kreditnehmern mit geringer Bonit\u00E4t besteht. \u00DCbersetzt bedeutet subprime \u201Ezweitklassig\u201C. Dieser Markt f\u00FCr private Baufinanzierungen, erst ab 1993 unter diesem Begriff in den USA, dann aber auch in anderen englisch-sprachigen Staaten entstanden, war zun\u00E4chst auf diese Regionen beschr\u00E4nkt. In die Messung der Bonit\u00E4t fallen neben pers\u00F6nlichen Aspekten auch immobilienbezogene Kriterien. Von entscheidender Bedeutung sind dabei das debt-to-income-ratio, also die Relation zwischen dem Brutto-Einkommen und dem gesamten Schuldendienst, der 45% des Brutto-Einkommens nicht \u00FCberschreiten soll. Die loan-to-value-ratio wiederum gibt Auskunft \u00FCber den Eigenkapitaleinsatz, der mindestens 10% betragen soll. Alle Faktoren werden schlie\u00DFlich zu einem Rating (oder credit score) zusammengefasst, das mindestens 620 Punkte erreichen muss auf einer Skala von 350 bis 850. Wird ein credit score von 620 hingegen nicht erreicht, liegt technisch ein subprime loan vor. Die extrem steigende Kreditgew\u00E4hrung solcher riskanter Immobilienfinanzierungen hat ab 2006 die US-amerikanischen Banken dazu bewogen, gro\u00DFe Teile dieser Kreditforderungen \u2013 teilweise kombiniert mit prime-loans \u2013 in wertpapier\u00E4hnliche, leicht \u00FCbertragbare sog. CDOs (collateralized debt obligations) oder \u00E4hnliche strukturierte Finanzierungsformen zu b\u00FCndeln und, mit einem attraktiven Rating von externen Ratingagenturen versehen, an europ\u00E4ische oder asiatische Banken zu verkaufen. Damit wurde ein eigentlich rein amerikanisches Risiko internationalisiert. Das Subprime-Risiko war jedenfalls solange vertretbar, wie die betroffenen Kreditnehmer ihre Hypothekendarlehen vertragsgem\u00E4\u00DF bedienten (Subprime-Kredite im engeren Sinne). Als jedoch die Kreditzinsen stiegen und sich auch andere kreditrelevante Faktoren verschlechterten (Einkommen), sank gleichzeitig die im Rating gemessene Bonit\u00E4t. Die Kreditnehmer gerieten schlie\u00DFlich in Zahlungsverzug, und die anschlie\u00DFende Zwangsversteigerung brachte den Banken Verluste ein, weil der Trend st\u00E4ndig steigender Immobilienpreise zum Erliegen kam. Meistens wird unter dem Begriff Subprime-Markt f\u00E4lschlicherweise auch der Ausdruck Non-conforming-(Hypotheken)-Markt verstanden. In den USA und Gro\u00DFbritannien werden diese beiden M\u00E4rkte allerdings deutlich unterschieden. Kreditnehmer mit geringer Bonit\u00E4t, die ihr Hypothekendarlehen vertragsgem\u00E4\u00DF bedienen, fallen in das Subprime-Segment. Hypothekendarlehen, welche nicht den markt\u00FCblichen Standards insbesondere im Bereich Beleihungsauslauf (loan-to-value-ratio), Laufzeit oder Darlehensbetrag gen\u00FCgen, fallen in das Non-conforming-Segment."@de , "\u30B5\u30D6\u30D7\u30E9\u30A4\u30E0\u30ED\u30FC\u30F3\uFF08\u7C73\uFF1Asubprime lending\uFF09\u3068\u306F\u3001\u4E3B\u306B\u30A2\u30E1\u30EA\u30AB\u5408\u8846\u56FD\u306B\u304A\u3044\u3066\u8CB8\u3057\u4ED8\u3051\u3089\u308C\u305F\u30ED\u30FC\u30F3\u306E\u3046\u3061\u3001\u30B5\u30D6\u30D7\u30E9\u30A4\u30E0\u5C64\uFF08\u512A\u826F\u9867\u5BA2\uFF08\u30D7\u30E9\u30A4\u30E0\u5C64\uFF09\u3067\u306F\u306A\u3044\u3002\u30AF\u30EC\u30B8\u30C3\u30C8\u30B9\u30B3\u30A2\u306B\u3088\u308A\u5224\u5B9A\uFF09\u5411\u3051\u3067\u306A\u3044\u3082\u306E\u3092\u3044\u3046\u3002 \u5831\u9053\u6A5F\u95A2\u3067\u306F\u3057\u3070\u3057\u3070\u4F4E\u6240\u5F97\u8005\u5411\u3051\u30ED\u30FC\u30F3\u3068\u306E\u8AAC\u660E\u304C\u3055\u308C\u3001\u4F4E\u6240\u5F97\u8005\u306B\u591A\u984D\u306E\u8CB8\u3057\u4ED8\u3051\u3092\u884C\u3063\u305F\u3068\u3044\u3046\u30CB\u30E5\u30A2\u30F3\u30B9\u3067\u53D6\u308A\u4E0A\u3052\u3089\u308C\u308B\u304C\u3001\u53B3\u5BC6\u306B\u306F\u901A\u5E38\u306E\u4F4F\u5B85\u30ED\u30FC\u30F3\u306E\u5BE9\u67FB\u306B\u306F\u901A\u3089\u306A\u3044\u3088\u3046\u306A\u4FE1\u7528\u5EA6\u306E\u4F4E\u3044\u4EBA\u5411\u3051\u306E\u30ED\u30FC\u30F3\u3067\u3042\u308B\u3002\u4FE1\u7528\u529B\u306E\u8A55\u4FA1\u57FA\u6E96\u306F\u6240\u5F97\u306E\u591A\u5BE1\u306E\u307F\u3067\u306F\u306A\u3044\u3002\u72ED\u7FA9\u306B\u306F\u3001\u4F4F\u5B85\u3092\u62C5\u4FDD\u3068\u3059\u308B\u4F4F\u5B85\u30ED\u30FC\u30F3\u306B\u9650\u5B9A\u3055\u308C\u3001\u5E83\u7FA9\u306B\u306F\u3001\u81EA\u52D5\u8ECA\u62C5\u4FDD\u306A\u3069\u4F4F\u5B85\u4EE5\u5916\u3092\u62C5\u4FDD\u3068\u3059\u308B\u3082\u306E\u3092\u542B\u3080\u3002\u4E00\u822C\u7684\u306B\u4ED6\u306E\u30ED\u30FC\u30F3\u3068\u6BD4\u3079\u3066\u50B5\u52D9\u5C65\u884C\u306E\u4FE1\u983C\u5EA6\u304C\u4F4E\u3044\u3002 \u3053\u306E\u30B5\u30D6\u30D7\u30E9\u30A4\u30E0\u30ED\u30FC\u30F3\u306B\u3064\u3044\u3066\u306F\u305D\u306E\u62C5\u4FDD\u4FE1\u7528\u4FDD\u8A3C\u304C\u4EE5\u524D\u304B\u3089\u554F\u984C\u306B\u306A\u3063\u3066\u3044\u305F\u304C\u3001\u7C73\u56FD\u306E\u683C\u4ED8\u3051\u4F01\u696D\u304C\u4E2D\u53E4\u4F4F\u5B85\u4FA1\u683C\u306E\u4E0A\u6607\u3092\u524D\u63D0\u306B\u9AD8\u3044\u4FDD\u8A3C\u3092\u4E0E\u3048\u3066\u5B89\u5FC3\u611F\u3092\u4E0E\u3048\u3066\u3044\u305F\u3002\u3057\u304B\u3057\u30012007\u5E74\u590F\u9803\u304B\u3089\u4E3B\u306B\u4F4F\u5B85\u30ED\u30FC\u30F3\uFF08\u72ED\u7FA9\u306E\u30B5\u30D6\u30D7\u30E9\u30A4\u30E0\u30ED\u30FC\u30F3\uFF09\u8FD4\u6E08\u306E\u5EF6\u6EDE\u7387\u304C\u4E0A\u6607\u3057\u306F\u3058\u3081\u3001\u3068\u3046\u3068\u3046\u4F4F\u5B85\u30D0\u30D6\u30EB\u304C\u306F\u3058\u3051\u305F\u3002 \u3053\u306E\u3053\u3068\u306B\u3088\u308A\u30012008\u5E74\u306B\u306F\u3053\u306E\u8A3C\u5238\u3092\u7D44\u307F\u5165\u308C\u3066\u4E16\u754C\u4E2D\u306B\u8CA9\u58F2\u3055\u308C\u305F\u91D1\u878D\u5546\u54C1\u306E\u4FE1\u7528\u4FDD\u8A3C\u307E\u3067\u3082\u5B8C\u5168\u306B\u52A3\u5316\u3057\u3066\u3057\u307E\u3044\u3001\u4E16\u754C\u4E2D\u306E\u91D1\u878D\u6A5F\u95A2\u3067\u4FE1\u7528\u53CE\u7E2E\u306E\u9023\u9396\u304C\u304A\u3053\u3063\u305F\u3002CDS\u3068\u4E26\u3073\u3001\u4E16\u754C\u91D1\u878D\u5371\u6A5F (2007\u5E74-)\u767A\u751F\u306E\u7A2E\u3092\u307E\u3044\u305F\u3002"@ja ; rdfs:comment "\u6B21\u7EA7\u8D37\u6B3E\u6216\u6B21\u7D1A\u6309\u63ED\uFF08\u82F1\u6587\uFF1Asubprime lending\uFF09\uFF0C\u662F\u4E3A\u4FE1\u7528\u8BC4\u7EA7\u8F83\u5DEE\u3001\u65E0\u6CD5\u4ECE\u6B63\u5E38\u6E20\u9053\u501F\u8D37\u7684\u4EBA\u6240\u63D0\u4F9B\u7684\u8D37\u6B3E\u3002\u6B21\u7EA7\u8D37\u6B3E\u7684\u5229\u7387\u4E00\u822C\u8F83\u6B63\u5E38\u8D37\u6B3E\u4E3A\u9AD8\uFF0C\u800C\u4E14\u5E38\u5E38\u662F\u53EF\u4EE5\u968F\u65F6\u95F4\u63A8\u79FB\u800C\u5927\u5E45\u4E0A\u8C03\u7684\u6D6E\u52A8\u5229\u7387\uFF0C\u56E0\u800C\u5BF9\u501F\u6B3E\u4EBA\u6709\u8F83\u5927\u98CE\u9669\u3002\u7531\u4E8E\u6B21\u7EA7\u8D37\u6B3E\u7684\u8FDD\u7EA6\u7387\u8F83\u9AD8\uFF0C\u5BF9\u4E8E\u8D37\u6B3E\u5546\u4E5F\u6709\u8F83\u6B63\u5E38\u8D37\u6B3E\u66F4\u9AD8\u7684\u4FE1\u7528\u98CE\u9669\u3002"@zh , "Als Subprime-Markt wird ein Teil des privaten (also nicht f\u00FCr gewerbliche Zwecke dienenden) Hypothekendarlehenmarkts bezeichnet, der \u00FCberwiegend aus Kreditnehmern mit geringer Bonit\u00E4t besteht. \u00DCbersetzt bedeutet subprime \u201Ezweitklassig\u201C. Dieser Markt f\u00FCr private Baufinanzierungen, erst ab 1993 unter diesem Begriff in den USA, dann aber auch in anderen englisch-sprachigen Staaten entstanden, war zun\u00E4chst auf diese Regionen beschr\u00E4nkt."@de , "Els cr\u00E8dits subprime (coneguts com B-paper, near-prime, non-prime, second chance lending) s\u00F3n aquells pr\u00E9stecs que tenen un tipus d'inter\u00E8s bancari major que el tipus d'inter\u00E8s preferencial. Aquests poden fer-se sobre hipoteca, pr\u00E9stecs automotors i targetes de cr\u00E8dit."@ca , "Subprime redirects here. For the 2007 house mortgage crisis, see Subprime mortgage crisis. Subprime lending (near-prime, non-prime, or second-chance lending) in finance means making loans that are in the riskiest category of consumer loans and are typically sold in a market from prime loans."@en , "I subprime, o \"B-Paper\", \"near-prime\" o \"second chance\" sono quei prestiti che vengono concessi ad un soggetto che non pu\u00F2 accedere ai tassi di interesse di mercato, in quanto ha avuto problemi pregressi nella sua storia di debitore. I prestiti subprime sono rischiosi sia per i creditori sia per i debitori, vista la pericolosa combinazione di alti tassi di interesse, cattiva storia creditizia e situazioni finanziarie poco chiare, associate a coloro che hanno accesso a questo tipo di credito."@it , ""@ja , "Em sentido amplo, subprime (do ingl\u00EAs subprime loan ou subprime mortgage) \u00E9 um cr\u00E9dito de risco, concedido a um tomador que n\u00E3o oferece garantias suficientes para se beneficiar da taxa de juros mais vantajosa (prime rate). Em sentido mais restrito, o termo \u00E9 empregado para designar uma forma de cr\u00E9dito hipotec\u00E1rio (mortgage) para o setor imobili\u00E1rio, surgida nos Estados Unidos e destinada a tomadores de empr\u00E9stimos que representam maior risco."@pt , "Subprime loan \u2013 kredyt bankowy, kt\u00F3rego oprocentowanie jest wy\u017Csze ni\u017C przy standardowym kredycie. Jego specyfika polega na tym, \u017Ce jest udzielany temu kredytobiorcy, kt\u00F3ry posiada z\u0142\u0105 \"histori\u0119 kredytu\" (np. niesp\u0142acanie na czas kredyt\u00F3w). Rozpowszechniony jest w szczeg\u00F3lno\u015Bci w Stanach Zjednoczonych. Kredyty subprime cechuj\u0105 si\u0119 du\u017Cym stopniem ryzyka zar\u00F3wno dla banku jak i dla kredytobiorcy. Do grona produkt\u00F3w subprime mog\u0105 by\u0107 zaliczane np."@pl , "Subprimel\u00E5n \u00E4r ett amerikanskt begrepp som i slutet av 2007 \u00E4ven b\u00F6rjade anv\u00E4ndas av svenska massmedia och svenska finansbranschen. Sj\u00E4lva begreppet syftar p\u00E5 den del av den l\u00E5nemarknaden i F\u00F6renta staterna som riktar sig till mindre kreditv\u00E4rdiga l\u00E5ntagare. Vid subprimel\u00E5n ges l\u00E5n i f\u00F6rh\u00E5llande till v\u00E4rdet p\u00E5 de tillg\u00E5ngar som bel\u00E5nas, men ingen bed\u00F6mning g\u00F6rs av l\u00E5ntagarens betalningsf\u00F6rm\u00E5ga."@sv , "Au sens le plus large, un \u00AB subprime \u00BB (subprime loan ou subprime mortgage en anglais) est un cr\u00E9dit \u00E0 risque, \u00E0 taux plus \u00E9lev\u00E9 pour l'emprunteur, et donc avec un rendement plus important pour le pr\u00EAteur afin de r\u00E9mun\u00E9rer le risque de non remboursement, cependant limit\u00E9 par la garantie hypoth\u00E9caire prise sur le logement."@fr , "Un cr\u00E9dito subprime es una modalidad crediticia del mercado financiero de Estados Unidos que se caracteriza por tener un nivel de riesgo de impago superior a la media del resto de cr\u00E9ditos. Este tipo de operaciones, concedidas a particulares o empresas, tiene las siguientes caracter\u00EDsticas: La mayor parte de los cr\u00E9ditos subprime son de car\u00E1cter hipotecario."@es , "Subprimel\u00E5n (ogs\u00E5 kjent som bare subprime) beskriver praksisen med \u00E5 gi l\u00E5n til l\u00E5ntagere som ikke kvalifiserer for de beste l\u00E5nerentene p\u00E5 grunn av deres d\u00E5rlige kreditthistorie. Subprimel\u00E5n er finansielt risikofylt for b\u00E5de l\u00E5ngivere og -tagere p\u00E5 grunn av kombinasjonen h\u00F8y l\u00E5nerente, d\u00E5rlig kreditthistorie og den ustabile finansielle situasjonen til subprime-l\u00E5ntagere. I norskspr\u00E5klig sammenheng ble ordet subprime brukt for f\u00F8rste gang i mediene den 26."@no . @prefix skos: . @prefix ns9: . dbpedia:Subprime_lending skos:subject ns9:Interest_rates , ns9:Personal_finance , ns9:Financial_economics , ns9:Mortgage , ns9:Terms_and_concepts_of_the_2000s_United_States_housing_bubble . @prefix ns10: . dbpedia:Subprime_lending dbpprop:wikiPageUsesTemplate ns10:rquote , ns10:article_issues ; dbpprop:rquoteProperty dbpedia:Junk , "right"@en , dbpedia:Andy_Serwer , ", TIME, September 18, 2008''"@en , dbpedia:Subprime , dbpedia:Euphemism , dbpedia:Wall_Street , dbpedia:Allan_Sloan ; dbpprop:refimprove "November 2007"@en ; dbpprop:globalize "January 2008"@en ; dbpprop:externalLinks "June 2008"@en ; dbpprop:article "November 2008"@en ; dbpprop:cleanup "May 2008"@en . @prefix ns11: . dbpedia:Subprime_lending dbpprop:hasPhotoCollection ns11:Subprime_lending . @prefix dbpedia-owl: . dbpedia:American_Freedom_Mortgage dbpedia-owl:industry dbpedia:Subprime_lending . @prefix ns13: . dbpedia:American_Freedom_Mortgage ns13:industry dbpedia:Subprime_lending ; dbpprop:industry dbpedia:Subprime_lending . dbpedia:Sub_prime dbpprop:redirect dbpedia:Subprime_lending . dbpprop:redirect dbpedia:Subprime_lending , dbpedia:Subprime_lending . dbpedia:Non-prime dbpprop:redirect dbpedia:Subprime_lending . dbpedia:Non-prime_loans dbpprop:redirect dbpedia:Subprime_lending . dbpedia:Sub-prime_lending dbpprop:redirect dbpedia:Subprime_lending . dbpedia:Subprime_Mortgage dbpprop:redirect dbpedia:Subprime_lending . dbpedia:Subprime_lender dbpprop:redirect dbpedia:Subprime_lending . dbpedia:Subprime_loan dbpprop:redirect dbpedia:Subprime_lending . dbpedia:Subprime_mortages dbpprop:redirect dbpedia:Subprime_lending . dbpedia:Subprime_mortgage dbpprop:redirect dbpedia:Subprime_lending . dbpedia:B-paper dbpprop:redirect dbpedia:Subprime_lending . dbpedia:Nonprime_mortgage dbpprop:redirect dbpedia:Subprime_lending . dbpedia:Subprime dbpprop:redirect dbpedia:Subprime_lending . dbpedia:Subprime_loans dbpprop:redirect dbpedia:Subprime_lending . dbpedia:Sub-prime_mortgage dbpprop:redirect dbpedia:Subprime_lending . dbpedia:Sub_prime_lending dbpprop:redirect dbpedia:Subprime_lending . dbpedia:Subprime_mortage dbpprop:redirect dbpedia:Subprime_lending . dbpedia:Sub-prime dbpprop:redirect dbpedia:Subprime_lending . dbpedia:Sub-prime_loans dbpprop:redirect dbpedia:Subprime_lending . @prefix yago: . yago:Subprime_lending owl:sameAs dbpedia:Subprime_lending .