Banks, as I say, are with us to stay; we just have to improve our regulation and disclosure requirements so that banks can be prevented from taking unnecessary risks.

如我所说,银行与我们同在,我们只需要完善对监管,和信息披露需求,这样银行就可以避免追求不必要的风险

耶鲁公开课 - 金融市场课程节选

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

耶鲁公开课 - 金融市场课程节选