可调整利率贷款项目 Option ARMs 房地产泡沫 real estate bubble房地产泡沫The Housing Bubble房地产泡沫破灭 the housing bubble busting经济衰退 economic declining经济危机 economic crisis市场疲软 market weak信用危机 credit risk系统风险 Systemic Risk贬值 devaluation抵押债务 collateralized debt obligations(CDO)住房抵押贷款证券 mortgage-backed securities(MBS)贷款欺诈 fraudulent loans次贷危机 Subprime mortgage crisis