一边是在美国历史的大部分时间里定义了银行业的一个观点：银行必须能对风险作出判断，因此它们得贴近这些风险。
On the one hand, there is the idea - which defined banking for much of American history - that Banks should be close to the risks that they must judge.
罗杰斯：是这样的，但是对于市内的任何一个银行来说，这只需要花费隔夜的时间，而对于外地银行，也只需一、两天时间就可取回款项。
R:Yes,that's right .But it only takes overnight for any bank in the city and just a day or two for banks outside the city .
违约者面临的另一个风险是，银行可能会把追索权出售给催收机构和其他公司，这些公司有可能在止赎后最长20年的时间里向借款人讨债。
Another risk for defaulters is that Banks could sell the rights to pursue claims to collection agencies or other firms, which could then dun the borrowers for up to 20 years after a foreclosure.
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