这种衰退不同于普通的周期性衰退，在普通的周期性衰退里，需求下滑是普遍的，而复苏也仅需重新雇佣原先被解雇的工人就可以了。 信贷泡沫破灭后的经济复苏，往往需要依靠劳动力的跨行业转移。
Unlike a normal cyclical recession, in which demand falls across the board and recovery requires merely rehiring laid-off workers to resume their old jobs, economic recovery following a lending bust typically requires workers to move across industries and to new locations.