To be sure, this is a dangerous product, and it did cause many families to fall into an unsustainable debt trap. But such loans can be of great value to sophisticated firms and households that may have good reason to believe that their future earnings will be higher than their current earnings.
试想有一个“钓鱼”贷款，在起始期间利息非常低甚至为零，到后期却收取高额利息。这显然是一个危险的产品，也一定会令许多家庭陷入不可持续的债务陷阱当中。但对于那些有足够理由确信自己的未来收入将远高于当前收入的企业和家庭来说，这类贷款却是有益的，而这类经济实体将能产生其他方面所无法产生的投资。