The world of finance is a bit more complicated, but not much. How can a package of loans be worth more than the sum of their individual values? The amount borrowers pay is just the same even if you call the loans an asset-backed security or a collateralised debt obligation.
金融領域要復雜一些，但也不是很多。一個貸款包的價值怎么可能比單筆貸款價值的總和還要高？即便你把這些貸款稱作資產支持證券或抵押債務債券，借款人償還的金額還是一樣的。
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