美联储理事Lisa Cook表示，家庭借贷对金融体系的风险仍然“温和”，美国人的财务状况总体看起来稳健。

　　Cook为周五在纽约一场活动准备的关于金融稳定的讲话中表示：“大多数家庭都有能力偿还债务，过去五年来，家庭债务占GDP的比重有所下降。”

　　“虽然我们看到中低收入借款人和次级信用评分借款人面临一些压力，但整体的居民借贷带来的风险仍然温和”。

　　Cook表示，如果家庭拖欠贷款和违约率上升，足够大的收入冲击可能会导致贷款机构遭受更大损失。

　　Cook表示，她也在“密切”关注商业房地产市场，因为大量房地产贷款即将到期，需要再融资。

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