虽然美林很快就有美国银行的巨额存款做靠山，但传统的商业银行仍然因为商业和消费者贷款违约和拖欠事件不断上升而遭受沉重打击。
While Merrill will now have quick access to Bank of America's deposits, traditional commercial banks are being pummeled by rising delinquencies and defaults in commercial and consumer loans.
违约和拖欠贷款会增加，对此我们是知道的：花旗和美国运通之类的公司已说过。
Defaults and delinquencies are known to be rising: companies like Citigroup and American Express have said so.
除了市场风险，高盛也评估业务相对方拖欠贷款或衍生合同违约所带来的信用风险，以及流动性风险。
Besides market risks, Goldman also assesses credit risks, based on whether a counterparty might default on a loan or fail to honour a derivative contract, and liquidity risk.
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