I’m no expert of financial markets (way too boring), BUT it seems to me that the current crisis was triggered by the bursting mortgage industry bubble.我不是专家，金融市场（太无聊） ，但在我看来，目前的危机是引发的爆破抵押贷款行业的泡沫。 I personally know several individuals who heavily invested in real estate a couple of years back, in the hope that “this market never goes down”.我个人几个人知道谁大量投资于房地产几年回来，希望“这个市场从来没有关闭” 。 Some of these people used “novel” financial instruments such as zero-down, adjustable-rate interest-only mortgages to finance their purchases.其中一些人用“小说”的金融工具，如零式，浮动利率利息抵押贷款，以资助其购买。 Other individuals repeatedly refinanced their existing property, increasing their debt load under more and more burdensome interest payments.其他个人多次再融资其现有财产，增加他们的债务负担下越来越多支付利息的负担。 Risky business.风险业务。

Best of all, our master problem solver, President Bush, has now decided to get involved.最重要的是，我们的主人解决问题，美国总统布什，现在已决定介入。 Everybody feels better already.每个人都觉得更好了。

In light my first hand experience it seems to me that the explanation given in this post for the current financial mess makes the most sense.根据我的亲身经历在我看来，给出的解释在这一职位目前的财务混乱使大多数意义。 Notice that the presumed experts on economic matters, Republican and Conservatives, get most of the blame for the current mess.请注意，推定经济事务专家，共和党和保守党，获得多数归咎于目前一团糟。

For an excellent summary and timeline of recent events there is this Freakonomics post .对于一个优秀的总结和时间表最近发生的事件是这个怪诞经济学职务。