它是从例如评估贷款申请的信用风险，阅读手写的邮政编码来分类邮件等开始的。
It started with things like assessing credit risk from loan applications, sorting the mail by reading handwritten zip codes.
有些酒店和汽车租赁公司只接受信用卡，因为它比支票卡更容易、更便宜，风险也更小。
Some hotels and rental car services only accept credit cards because it's easier, cheaper, and less of a risk to them than check cards.
公允价值选择权与实体自身的信用风险有关。
The fair value option is associated with an entity's own credit risk.
但是他们的贷款人表示，他们的信用风险不好。
银行必须公布有关资产负债以及信用和操作风险计算模型的详细情况。
Banks must publish details of their assets and liabilities and of the models they use to calculate credit and operational risk.
这些“中介交易”也让海外机构得以与少数大银行而不是与数十家风险较高的公司打交道，从而降低了信用风险。
These "intermediary trades" also allowed those overseas groups to minimise their credit risks by dealing with a small number of big Banks rather than dozens of more risky companies.
这些“中介交易”也让海外机构得以与少数大银行而不是与数十家风险较高的公司打交道，从而降低了信用风险。
These “intermediary trades” also allowed those overseas groups to minimise their credit risks by dealing with a small number of big banks rather than dozens of more risky companies.
新知识会使新信用大大扩大，而金融市场崩溃的风险却很小。
This new knowledge, they argued, permitted a vast expansion of new credit with little risk of financial collapse.
另一方面，信用风险的低成机激起了房价的增长。
On the other hand the low cost of credit risks fuelling a house-price boom.
这难道意味着市场认为银行的信用风险比国债小吗？
Does that really mean the market considers Banks a better credit risk than the Treasury?
而市场风险小组认为它们是信用工具，因为这些产品的基础资产是贷款。
Market-risk teams saw them as credit instruments, since the underlying assets were loans.
认为欧元区内国家几乎有着同等违约风险的投资者们现在都依赖于新兴市场柜面来分析他们所承担的信用风险。
Investors who had assumed an almost equal risk of default among euro-zone countries are now relying on emerging-markets desks to help them understand the credit risks they are taking.
我们认为自己提供的评级是对相对信用风险的评定，但绝对不是买进、持有或者卖出的建议。
We offer our ratings as a view of relative credit risk-not as a buy, hold or sell recommendation.
信用危机中，它的两大银行拥有大约占其风险加权资产1.5%的额外缓冲等价物。
Going into the credit crisis, its two big Banks had an extra buffer equivalent to about 1.5% of risk-weighted assets.
AIG经营者巨大的信用互换业务，因此在此次房屋次贷危机中面对巨大的风险。
AIG had a vast business in credit default swaps and therefore a huge exposure to a residential mortgage crisis.
第三个信用衍生品的特质是它们能以风险为基础分割企业债券。
The third quirk of credit derivatives is that they allow corporate bonds tobe sliced and diced on the basis of risk.
我们经常定期评估信用卡贷款的风险和成本。
We constantly evaluate the risks and costs of funding credit-card loans.
另一个观察信用风险的途径：比较伦敦同业拆借率较银行信用违约互换升水的情况，信用违约互换是衡量违约的工具。
Another way of looking at credit risk is by comparing the LIBOR spread with the premiums charged on Banks' credit-default swaps (CDSs), which measure the risk of default.
投资者意识到在做出市场投资决策时需要分析各层面的风险，而不仅仅是信用风险。
Investors now have a better understanding of the need to analyze all facets of risk - not just creditworthiness - in making investment decisions.
他们愿意储蓄更少并欢迎信用卡、抵押贷款、收割贷款等有效途径以便能抵御风险。
They would have saved less and welcomed credit CARDS, mortgages, and harvest loans as more effective ways to adjust to these risks.
本来应由私营部门承担的风险正在转嫁给公共部门，导致信用风险和主权风险之间的界限越来越模糊。
The distinction between credit and sovereign risk is blurring as losses that would otherwise be taken by the private sector are reallocated to the public sector.
信用风险在体系内发生转移并不能起到降低风险的作用，这意味着压力水平料将继续维持在高位。
Moving credit risk around the system is no replacement for reducing it, meaning stress levels are set to stay high.
在那之后，银行对于显露高负债和高风险水平更加敏感，担心自身股票和信用评级因此受损。
Since then, Banks have grown more sensitive about showing high levels of debt and risk, worried that their stocks and credit ratings could be punished.
比方说，美国国债的风险低于无担保信用卡贷款额度(我们希望如此)。
For instance, an investment in U.S. Treasuries carries lower risk (we hope) than an unsecured credit card line.
这可能引发严重的风险，三家信用评级机构都宣称可能爆发信贷危机，那这个风险就会传染到其他国家。
It could provoke the gravest risk, that all three rating agencies declare a credit event and then there are big contagion risks for other countries.
这可能引发严重的风险，三家信用评级机构都宣称可能爆发信贷危机，那这个风险就会传染到其他国家。
It could provoke the gravest risk, that all three rating agencies declare a credit event and then there are big contagion risks for other countries.
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