这些模型的考虑重点是借款公司的资产价值。
Such models focus on the capital value of the lending companies.
和其他管道问题一样,导致的后果可能很严重,因为当拆入资金成本提高时,银行会将成本转嫁给消费者和借款公司。
And like other plumbing problems, this could have severe consequences, because when Banks pay more to borrow they pass the cost on to consumers and companies.
其令人惊讶之处在于,还有哪家银行,哪家借款公司,哪位抵押人能够保持清偿债务的能力,而并不是有如此多的借款者拖欠债务。
The wonder is that any bank, any corporate borrower, any mortgagor could have remained solvent, not that so many defaulted.
Again, that is a problem that lenders have that the company that's borrowing the money has this unfortunate incentive, at least at certain times, to take excessive risks because the debtors will end up bearing the losses.
这便是贷方遇到的又一问题,即借款公司可能会,抱有此种不良动机,至少在特定情况下会过分地追求风险,这样最终蒙受损失的将是债务人
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