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.
Some people think that the rating agencies have allowed a kind of moral hazard to creep into their organization.
有些人认为,信用评级机构,已经让某种程度的道德风险,渗透到他们的机构中
The rating agencies weren't cutting the ratings as they should and these European banks were just kind of naively trusting and it just didn't get figured out.
信用评级机构并未按照实际评级,这些欧洲银行却很傻很天真地相信了,没有认识到潜在的风险
I wanted to mention in this context, because I'm emphasizing how banks help solve the adverse selection and moral hazard problem -I wanted to mention briefly here also the rating agencies, which fulfill some of these functions.
我早就想在这段内容里讲讲这事了,因为我一直强调,银行是如何帮助解决逆向选择,以及道德风险问题的...,我还一直想在这里简要的提下,本应履行这些职能的那些信用评级机构
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