Greater emphasis on the quality of borrowers will mean that risk should become more predictable.
银行越来越重视借款者的素质，这就意味着风险将会变得可以预测。
For example, rural, micro and small business borrowers mostly borrow at their personal risk as they are typically not incorporated.
例如，农村和微小企业借款人通常没有公司化，所以他们贷款大多存在个人风险。
That means they must prudently assess a customer's risk from the outset-or face huge losses when borrowers run into trouble.
这意味着它们必须从一开始就谨慎地评估客户风险——不然，当借款人有麻烦时，背包袱的就是自己。
Rather than lending directly to borrowers, all the trades are cleared through a central platform, which reduces counterparty risk.
所有的交易都是通过中央平台进行清算，而不是直接借给借款者，这就减少了对手风险。
And a third was to cut the risk of borrowers defaulting, using CDSs with insurers like American International Group.
第三种是将借款人违约风险切除，即通过如美国国际集团之类的保险公司担保CDS。
The improved risk profile of banks’ borrowers also means they will have better data to work with.
改善借贷者的风险概况分析意味着银行也能得到更好的数据。
The two sources of risk are linked, since the greater the uncertainty about the creditworthiness of borrowers, the harder it is to sell on their loans to a third party.
这两种来源的风险是相互关联的，因为借贷者的信用不稳定性越大，就越难让第三方接受他们的贷款。
Of course, conventional lenders sift through information about borrowers to decide whether someone is a good risk. But the start-ups are different.
当然，传统的贷款人通过对借款人的信息进行筛选来判断他是否具有良好的信用度。
Others noted that financial market strains and elevated risk spreads had offset much of the effects of policy easing on the cost of credit to borrowers.
其他人认为金融市场紧张及风险的扩大抵消了放松借款人信用成本的政策作用。
The portfolio at risk (percentage of borrowers 30 days delinquent on their loans) for the top 150 institutions has edged up from 1.2 percent pre-crisis to 2-3 percent now.
全球前150家金融机构处于风险中的贷款业务（还款拖欠30天的借款人所占比重）已从1.2％增加到目前的2-3％。
That has undoubted appeal for policymakers in countries where floating-rate mortgages expose borrowers to the risk of payment shocks as rates rise.
对于那些采取浮动利率抵押贷款，利率增加时贷款人面临支付成本上升的国家的政策制定者来说，这无疑具有吸引力。
And there is also a risk of excluding creditworthy borrowers, particularly first-time buyers and the self-employed.
但是这也很可能让信誉良好的借贷者尤其是首次买房者和个体经营者不能受益。
Computers enabled lenders to use standardised credit scores, and the risk-spreading from securitisation made it safer to lend to less creditworthy borrowers.
计算机技术使债权人可以使用标准化的信用评分方法；来自证券化的风险分摊，也使得向资信较差的借款人授信变得更安全。
Yet that risk is easy to overstate, says Brian Coulton at Fitch, because there is little competition for funds from private borrowers.
Fitch的BrianCoulton表示，这种风险容易被人夸大，因为私人借贷者不会带来很多竞争。
Yunus believed that if given the opportunity, poor borrowers would use the money wisely and would repay loans, even without collateral at risk.
尤努斯相信，如果有机会，贫穷的借款人将精明地使用这笔钱并将偿还贷款，即使冒没有抵押的风险。
Of course, conventional lenders sift through information about borrowers to decide whether someone is a good risk.
当然，传统贷款人也会筛选借款人的信息，以确定贷款给他们的风险。
Another risk for defaulters is that Banks could sell the rights to pursue claims to collection agencies or other firms, which could then dun the borrowers for up to 20 years after a foreclosure.
违约者面临的另一个风险是，银行可能会把追索权出售给催收机构和其他公司，这些公司有可能在止赎后最长20年的时间里向借款人讨债。
As mortgage interest rate falls, it decreases the bankruptcy risk of the borrowers and, hence, decreases distressed sales.
随着按揭利率下降，债务人破产的风险减少了，因而缓和了房产销售不景气。
As the circle of lenders and borrowers grew, financial transactions were able to muster larger sums and to spread risk, even as promises became harder to enforce.
随着借贷方范围的扩大，一方面金融交易能够聚敛起更大额的资金和散播风险，另一方面承诺变得更加难以兑现。
With very little equity in their homes to protect them from a drop in prices, lots of high-risk borrowers quickly became submerged when the bubble burst.
借款人只需要付出很少的资本来防范价格的下跌，因此泡沫破裂就造成了大量高风险借款人处于资不抵债的状况。
Financial markets are concerned that many Spanish borrowers will not be able to refinance their debts this year at a time when investors are nervous about taking on any European risk.
金融市场则担心，如果投资者对承担欧洲风险持谨慎态度的话，那么众多西班牙的借钱者今年将无法偿还债务。
There is a risk that, just when borrowers get into difficulty, hedge-fund clients may demand their money back.
这就存在风险，如果借款者步入困境，对冲基金的客户可能会将资金索回。
When risk aversion mounts-as it surely will again at some point-emerging-market borrowers are usually quick to feel the effects.
当风险厌恶氛围抬头——并且在一定水平上必然提升，新兴市场的发债者通常会迅速感受其影响。
It will stream towards more creditworthy borrowers. It will follow a more defined course, constrained by embankments of capital, funding and risk management.
在未来，信贷将如河流般，流向更有信誉的借款人，其路线也因有了资金、债券和风险管理的堤岸的管束而更加明确，它更多的会流向国内，而不是全球。
American International Group lodged a lawsuit against Bank of America, claiming BofA sold it low-risk securities backed by "defective" mortgages given to low-income borrowers.
美国国际集团指控美国银行向其兜售低风险不良抵押贷款证券，不良抵押贷款即次级抵押贷款【不知理解的对否】是指向信用程度较差和收入不高的借款人提供的贷款。
Risk scores could pave the way for greater clarity in the lend-to-save sector for investors and borrowers.
风险评分能为投资者和借款者更加清晰的了解借存领域铺好了道路。
Diversification was just an illusion - unfortunately it is hard to diversify rampant fraud risk linked to loan originators and borrowers.
资产多元化只是个假象，不幸的是，要把贷款发起人和借款人带来的违约风险分散是很难的。
To avoid the risk of having to buy back a defaulted loan, Mr Miller says the banks routinely demand tougher standards from borrowers than even the GSEs require.
为了避免被迫买回拖欠债款的风险，MrMiller表示银行将会对借债人使用比两房更为严苛的借贷条款。
To avoid the risk of having to buy back a defaulted loan, Mr Miller says the banks routinely demand tougher standards from borrowers than even the GSEs require.
为了避免被迫买回拖欠债款的风险，MrMiller表示银行将会对借债人使用比两房更为严苛的借贷条款。
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