去年，当贷方拒绝为支撑这些工具的短期票据再融资时，银行不得不把这些资产记入资产负债表，从而改变他们的资本比率。

When lenders last year refused to refinance the short-term paper that funded the vehicles, Banks had to take the assets onto their balance sheets, straining their capital ratios.

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而且，处理再融资的银行可能收取更多的费用，用以补偿贷款再次倒帐的风险。因为两房坚持要求回购抵押品。

In addition, the bank handling the refinancing may charge higher fees of its own to compensate for the risk that the loan soon defaults and Fannie or Freddie insists it be bought back.

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随着银行面临更多放弃权利和再融资的要求。

In the face of more requests for waivers and refinancings, Banks will react selectively.

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