It is necessary for the commercial bank to take effective method to provide the risk of loans.

商业银行必须采取有效措施防范贷款风险。

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To assess the real value and risk of loans and reflect credit quality in a reliable, comprehensive and dynamic manner.

揭示贷款的实际价值和风险程度，真实、全面、动态地反映贷款的质量；

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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。

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Nicholas Lardy, an economist and senior fellow at the Washington-based Peterson Institute, says China's unwillingness to adopt derivative loans and other high-risk financial products helped to shield it from the impact of the world economic downturn.

VOA: standard.2009.11.10

Also, Barclays says that it has already taken fairly substantial charges to cover the risk of loans to Spanish companies going bad.

BBC: Barclays backs chancellor's spending cuts

The rationale is simple: If the federal government is already assuming the risk of loans, and no substantial data have been presented to show that the banks are truly making a difference with their loan counseling services, why not cut out the middle man, like Sallie Mae, and free up more money for students?

CNN: Students, rise up against education costs

"The proposal to lower down payments is of particular concern given the greater default risk of these loans and the difficulty of setting prices for new products whose risks may not be well understood, " the report said.

FORBES: Nothing Down