根据世银最近的一份报告指出，私人信贷者赋予贷款人具备更灵活的贷款合同以及需要更少的第三方担保人。
According to a recent report by the World Bank, private lenders have granted borrowers more flexibility with loan covenants and demanded fewer third-party guarantees.
其二，美联储已经在交易低风险，低回报的国债和购买高收益的私人债券-例如银行贴现贷款，商业票据，和抵押担保证券。
Second, it has been trading in low-risk, low-return Treasury debt and buying higher-yielding private debt—discount loans to banks, commercial paper, and mortgage-backed securities, for example.
问题不仅在于数目超过了银行发放私人贷款的最高限额，而且既无担保，又无抵押。
Not only is the amount in excess of the maximum sum the bank can loan any individual legally, but it is absolutely without endorsement or security.
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