The data seems to indicate that these lower-risk loans have a lower point of diversification (read this).

这些数据似乎表明，这些低风险的贷款，有一个较低的多样化点。

youdao

One lesson is that bundling home loans and reselling them without anyone being held responsible for the risk of those loans creates financial black holes.

其中一个教训就是，捆绑住房贷款并打包出售它们，那些贷款风险造成财务黑洞，而没有任何人可以对此负责。

youdao

Without hedge funds to buy the bonds or loans, the risk may end up back on the Banks' balance sheets.

没有对冲基金来购买这些债券和贷款，风险可能会回到银行的资产负债表中。

youdao

And so we want to make more loans. We have to find a way to qualify more people and not put ourselves at risk."

VOA: standard.2009.12.20

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

For example, the Hustle eliminated underwriters from loan production, even for many high-risk loans, such as stated income loans.

FORBES: Move up http://i.forbesimg.com t Move down

Opponents maintained that instead of cheaper loans, the payday and other high-risk loans will no longer be available and customers will have to turn to banks and pay higher fees, or end up bouncing checks.

FORBES: Montana voters approve interest-rate cap on small loans

David Olson, who runs the mortgage research firm Wholesale Access, says lenders were willing to make high-risk loans with the false confidence that if worse came to worse, the borrowers could always sell the house and get their money back.

NPR: Banks Pay the Price for Risky Mortgage Bets