Incentives for brokers and credit rating agencies have been even more perverse. In the United States, brokers were selling mortgages without checking whether the borrower had the means to repay.
对经纪人和信用评级机构进行的激励，问题更大。在美国，经纪人在没有调查借款人是否有能力偿还借款的情况下，就将抵押贷款销售出去了。在“销售”了之后，经纪人就和它们没有任何厉害关系了。