Under the bank system , bank loan risk is controlled and supervised by the main bank ;

其次，在银行体系下，银行贷款风险由主办银行控制和监督；

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This is our country commercial bank perfecting personal housing loan risk management system to provide certain reference significance.

以此为我国商业银行完善个人住房贷款风险管理体系提供一定的参考意义。

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In addition, the bank handling the refinancing may charge higher fees of its own to compensate for the risk that the loan soon defaults and Fannie or Freddie insists it be bought back.

而且，处理再融资的银行可能收取更多的费用，用以补偿贷款再次倒帐的风险。因为两房坚持要求回购抵押品。

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"The borrower gets a low interest rate, commensurate with the interest of a conforming loan, and the bank mitigates its risk to some degree, " said Laurie Stewart, the bank's president and CEO.

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This is a form of heightened scrutiny, though informal and less severe than some other options, and looks at a bank's capital and risk management, loan quality and liquidity.

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Risk aversion also adds to interest rate costs on short term bank loans, and with Russia considered a risk investment, loan costs inevitably rise.

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