放贷成本增加使得房贷公司不堪重负，它们急切地挖掘新的收入来源，并且找到了两个：信用更差的借款人和风险更高的借贷产品。
Saddled with expensive lending platforms, mortgage-writers were desperate for a new source of revenues. They found two: riskier borrowers and riskier products.
所有人都会赞同，增加放贷和扩大建设遇到了一个尴尬的事实，即当生产加快时，成本就会上升。
All can agree that increased lending and building ran into the awkward fact that costs increase when production is stepped up.
因耐克称，令人担心的问题是，由于筹集资金的成本较以前大大增加，因而银行对发放贷款消极了很多。
'the concern is that Banks are far less willing to lend now due to the far higher cost of funding,' M s. Ineke said.
部分原因是因为发放贷款成本太高，实际利率经常远低于传统的银行。
Partly because costs are so high, effective interest rates are often significantly steeper than those at traditional Banks.
然而，由于银行高昂的筹资成本已全面波及，放贷紧缩，利率上涨，欧元区内企业和房主也将很快受到冲击。
But businesses and householders at home will also soon be hurt by scarcer credit and rising interest rates, as the Banks' higher funding costs are passed on.
“现如今，很多银行的筹资成本高于企业，这使得银行很难再向企业放贷，”里斯表示。
"Nowadays, a lot of Banks have a higher cost of funding than corporates - that makes it very difficult to be a lender to corporates," says Mr Riese.
他们说，迫使银行提高资本金率将影响它们的放贷能力，或将提高放贷的成本；
They said that forcing banks to raise more capital would crimp their ability to advance loans, or raise the cost of doing so;
相反，经营成本高的银行在对信用等级低的债务人放贷时有价格优势。
On the contrary, those banks with high operation cost have the advantage as to debtors with low credit rating.
相反，经营成本高的银行在对信用等级低的债务人放贷时有价格优势。
On the contrary, those banks with high operation cost have the advantage as to debtors with low credit rating.
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