谁知道美国的重叠贷款是怎么回事？

贷款是银行或其他金融机构按一定利率和必须归还等条件出借货币资金的一种信用活动形式。广义的贷款指贷款、贴现 、透支等出贷资金的总称。银行通过贷款的方式将所集中的货币和货币资金投放出去，可以满足社会扩大再生产对补充资金的需要，促进经济的发展；同时，银行也可以由此取得贷款利息收入，增加银行自身的积累。 安全性、流动性、效益性，是商业银行贷款经营的根本原则。《中华人民共和国商业银行法》第4条规定：“商业银行以安全性、流动性、效益性为经营原则，实行自主经营、自担风险、自负盈亏、自我约束。”1、贷款安全是商业银行面临的首要问题；2、流动性是指能够按预定期限回收贷款，或在无损失状态下迅速变现的能力，满足客户随时提取存款的需要；3、效益性则是银行持续经营的基础。

重叠贷款 = wrap-around mortgage

"What is a wrap-around mortgage, and who is it good for?"

A wrap-around mortgage is a loan transaction in which the lender assumes responsibility for an existing mortgage. For example, S, who has a $70,000 mortgage on his home, sells his home to B for $100,000. B pays $5,000 down and borrows $95,000 on a new mortgage. This mortgage "wraps around" the existing $70,000 mortgage because the new lender will make the payments on the old mortgage.

A wrap-around is attractive to lenders because they can leverage a lower interest rate on the existing mortgage into a higher yield for