这样不用过多久他们就可以利用公司资产做抵押来借更多的钱----就像买房时拿出住宅股权贷款做为首要抵押一样。
Then, not long after, they often borrowed even more money, using the company’s assets as collateral — just like home buyers who took out home equity loans on top of their first mortgages.
现代银行将贷款决策蜕变成冷冰冰无人情的、以信贷评分和资产价值为基础的公式， 是银行更偏向于均一同质的贷款，比如住宅按揭。
modern banks reduced loan decisions to arm’s-length algorithms based on credit scores and asset values, biasing them towards homogeneous loans such as residential mortgages.
但是这带来了其它的问题，由于没有达到私人抵押贷款最低最低限度，这就造成住宅20%资产不属于我们。
But this brings on added complications, not the least of which is private mortgage insurance, which is required if you don't have at least 20% equity in your home.
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