我借出的钱不能完全收回的风险越大，我所要求利率就越高，以补偿这风险。

The greater the risk that my loan will not be paid back in full, the larger is the interest rate I will demand to compensate me for that risk.

youdao

也许我不愿意承担这一风险，三年收回我的一百五十万美元太赔本了，这种决定也是对的。

Or maybe I'm not willing to live with that risk - perhaps 3 years is way too long to get my 1.5m back, and maybe it's about right.

youdao

这是一个经典的集体行为问题：每家银行各自通过收回贷款和倾销资产来降低风险，但是如果所有的人都这样做，那么每个人都会受害。

This was a classic collective-action problem: each bank's individual interest was to reduce exposure by calling in loans and dumping assets, but if all acted similarly, everybody would suffer.

youdao