The adverse selection problem, when it comes to borrowers--people who are trying to borrow money -is that if you become a lender -let's say, if you -not talking about becoming a lender.

逆向选择的问题,对于借款方,即希望借到钱的人而言,假如你是贷款方,比方说,如果你...,还是换个说法吧

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