在有的国家（以美国为甚 ） ， 私人部门的信贷繁荣为低技能行业（如建筑业）带来了大量工作岗位，而居民则通过以价值高估的房地产作抵押，借钱来维持消费繁荣。
In some countries, most notably the US, a private-sector credit boom created jobs in low-skilled industries like construction, and precipitated a consumption boom as people borrowed against overvalued houses.