但据Fonkoze银行高级财务顾问詹姆斯·库尔兹所说，正因为在今年年初银行注销掉一些有风险的贷款，它的风险投资在近几个月来已经下降了5个百分点。

Because it was able to write off risky loans early this year, according to James Kurz, a senior Fonkoze financial adviser, its portfolio at risk has fallen to 5 percent in recent months.

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监管机构允许银行和互助储蓄银行自己从事有风险的抵押贷款，当监管机构介入指导时已经太晚了。

And regulators permitted Banks and thrifts themselves to engage in risky mortgage lending, stepping in with guidance only when it was too late.

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已经有迹象表明企业贷款需求下降很快，而商业银行则在犹豫应该贷款出去还是选择规避风险。

There is already evidence that corporate-loan demands have diminished sharply and that commercial Banks have hesitated to lend while choosing to firewall risks.

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The collateral could be a number of things including mortgages--securitized mortgages that are risky and dangerous assets.

抵押品可是很多种东西,包括抵押贷款-证券化按揭贷款,这种有风险的，危险的资产。

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