由于信息不对称，银行可以收取大额的费用，并通过客户支付费用抬高他们自己的收益，而客户在完全不知情的情况下被诱导而承担风险——这是一种寻租形式。
Privy to superior information, banks can charge hefty fees and drive up their own profits at the expense of clients who are induced to take on risks they don’t fully understand—a form of rent seeking.
通常人们认为女人比男人不太愿意承担风险，因此，他推测银行能通过雇佣更多的女人来平衡冒险的男人。
Women are generally thought to be less willing to take risks than men, so he speculated that the banks could balance out risky men by employing more women.
银行还从事交投活动，以满足客户卸下或承担风险的愿望。
Banks also engage in active trading to meet their clients' wishes either to lay off risk or to take it on.
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