The Fed has only provided aggregate information on the amount of loans in each of its various lending programs, and general information on the terms of the loans and the types of collateral received.
美联储只提供一些累计综合的贷款信息,包括在它各项贷款计划下的贷款累计额、贷款条款的一般信息以及收到的担保资产类型。
In an asymmetric information credit market, interest rate and collateral requirements have adverse selection effect to different risk preference, and may cause moral hazard.
在信息不对称的信贷市场中,贷款利率和担保要求对于不同风险偏好的借款者会产生逆向选择效应,并且可能会引发道德风险。
However, as there is no guarantor or collateral while offering a credit loan, bank officers need to analyze the borrower's accounting information comprehensively to reduce the risk to the bottom.
但是在银行发放信用贷款的时候,由于银行没有获得相应的保证以及担保物,就势必需要对借款企业的会计信息进行全面分析,尽可能降低信贷风险。
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