The high rate of non-performing loans of the state-owned Banks has influenced their ability to support the economy seriously, and its potential risk can not get rid of either.

国有银行不良贷款比例过高，严重影响了国有银行对经济的支持能力，其潜在的风险也挥之不去。

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High default rate of state-assisted loans for college students results in high risk of banks- "credit grudging" of banks is a hot topic discussed by international society now.

当前，国家助学贷款违约率高以致银行风险大——银行惜贷严重已不容忽视。

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Homeowners who took the risk of subprime and adjustable-rate mortgages increasingly cannot make higher payments as their loans reset.

NPR: 'Marketplace' Report: Fed Chair Forecasts Economy

You could look to put some of that cash into loans, adding potential returns without taking incremental interest rate risk.

WSJ: A Secure High-Yield Alternative?