The data seems to indicate that these lower-risk loans have a lower point of diversification (read this).
这些数据似乎表明，这些低风险的贷款，有一个较低的多样化点。
For these reasons Banks should be encouraged to consider more seriously the liquidity of their loans as well as their default risk.
因为这些原因，因此它鼓励银行应该更慎重的考虑它们的贷款的流动性，以及违约风险。
Those who securitise loans will have to retain more of the risk.
那些提供贷款保险的机构将保留更多风险。
In the previous section, we discuss the explosion of objects that is caused by asking to each branch the average risk it is taking on its loans (see Figure 5).
在前一小节中，我们讨论了通过向每个支行查询贷款上所承担的平均风险度导致的对象爆炸(见图5)。
Yet, inexplicably, they do not contain the information about individual loans that is needed to detect default risk.
然而，让人无法理解的是，它们没有包括查明违约风险的个人贷款的信息。
To make matters worse, regulators wrongly believed that the use of derivatives, and the bundling of property loans into securities, had spread risk evenly throughout the system.
更甚者，管理者错误的相信金融衍生品的使用及资产借贷捆绑作为有价证券这两者已经将风险平摊到整个系统。
The problem has been worsened by the financial instruments that Banks and hedge funds and insurance companies have created to swap loans and risk with each other.
为了在彼此间交换贷款和风险，银行、对冲基金以及保险公司创造了许多金融工具，正是这些金融工具使问题变得更加严重。
But nearly 40% of outstanding small-business loans are held by Banks with the greatest exposure to commercial-property risk.
但仍有近40%的优秀小型企业贷款是由承担最多商业性地产风险的银行所持有的。
One lesson is that bundling home loans and reselling them without anyone being held responsible for the risk of those loans creates financial black holes.
其中一个教训就是，捆绑住房贷款并打包出售它们，那些贷款风险造成财务黑洞，而没有任何人可以对此负责。
Insolvent firms pose a risk to the financial system, but they could also conceivably slow recovery if their insolvency prevented them from making new loans.
破产企业为金融体系带来风险，但是如果其破产无法提供新的贷款可以想见他们会缓慢复苏的进程。
Banks are supposed to make money by skillfully managing the risk of transforming short-term debt into long-term loans; instead, they were undone by it.
本来，银行赚钱应该是经由移转短期债务的风险到长期贷款的巧妙管理，但是，他们却反其道而行。
Banks are supposed to make money by skilfully managing the risk of transforming short-term debt into long-term loans; instead, they were undone by it.
银行本来应靠巧妙地管理短期负债转为长期贷款的风险来挣钱；然而，他们却因此陷入困境。
Without hedge funds to buy the bonds or loans, the risk may end up back on the Banks' balance sheets.
没有对冲基金来购买这些债券和贷款，风险可能会回到银行的资产负债表中。
But critics say the agencies got complacent, and doubt the pooled loans were sufficiently diverse, or sliced up with sufficient art truly to have dispersed risk.
批评家们指责信用评级机构变得自以为是，并质疑贷款池品种单一，分割不够合理，以致不能分散风险。
Even if those predicted default rates are high, the risk can be mitigated by techniques such as overcollateralisation, where there is an excess of loans to cover losses.
即使预期的违约风险很高，仍可以通过诸如有足够的贷款补偿损失的超额抵押技术，从而降低风险。
But if the other side of the swap is taken by a hedge fund whose finances are dependent on loans from that same bank, has risk really been transferred?
但如果公司利用对冲基金交换，而对冲基金依靠的正是该银行的贷款，那最终承受风险的还是银行。
And with Banks still able to toy with the value of their assets, they may not be able to cover the risk of loans, just as in 2007.
银行仍旧可以玩弄他们的资产价值，他们可能依然无法弥补贷款的风险，就像2007年一样。
But recent years have seen mortgage loans made to millions of individuals with poor, risky, or insufficient credit - many of whom have either defaulted on the loans or are at risk of doing so.
但是在最近几年里，数百万贫穷、有欠款危险或者信用值不够的个人得到了抵押贷款，现在，他们中的许多人已经或即将无法偿还贷款。
Risk and return tend to be positively correlated, in finance because risky loans command higher interest rates and in underwater drilling because risk abatement is costly.
风险和收益似乎是成正比的，对于金融业来说，高风险的贷款要求高利率回报，而深水钻探领域中风险规避成本较大。
For example, all loans to companies were assigned a weighting of 100%, but loans to Banks in rich Western countries had a risk weighting of just 20%.
例如，协议规定所有贷给公司的贷款的风险权重均为100%，而贷给富裕的西方国家银行的贷款的风险权重仅为20%。
They also use requisitioned land as collateral for bank loans, adding to the potential woes of a banking system in which risk is poorly understood.
征收的土地被用于向银行贷款的担保，但是由于并没有完全理解风险的含义。
The problems for Banks associated with a sudden rush of lending-there has clearly not been enough time to conduct thorough risk assessments of many loans-are also drawing more attention.
银行显然没有足够的时间对众多贷款项目进行彻底的风险评估，这些仓促放贷的银行所面临的问题正受到更多关注。
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％。
Recent reviews have considered topics such as leveraged loans, enterprise-wide risk management, and liquidity practices.
近期检查的重点是杠杆利率、全企业风险管理和流动性操作。
Recent reviews have considered topics such as leveraged loans, enterprise-wide risk management, and liquidity practices.
近期检查的重点是杠杆利率、全企业风险管理和流动性操作。
应用推荐