In a 2007 essay in the Armed Forces Journal, Lieutenant Colonel Paul Yingling offered a compelling explanation for this risk-averse tendency.

2007年，陆军中校保罗·英林在《武装力量杂志armed Forces Journal》发表了一篇文章，对规避风险倾向进行了引人注目的解说。

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Edward Yingling says it restricts the ability to price credit for risk -- in other words, to charge more for those more likely not to repay their debts.

VOA: special.2009.05.22

Mr. EDWARD YINGLING (President and CEO, American Bankers Association): It is a well-designed program.

NPR: Federal Plan To Invest In Banks Met With Caution

Yingling says the government twisted arms to get the banks to take money from the Treasury Department.

NPR: Federal Plan To Invest In Banks Met With Caution

The problem, Yingling says is that, right now, the market for a lot of these assets has become dysfunctional.

NPR: SEC Changes On The Table