In China people do not use cheques but can get text-message confirmations when they have used their credit CARDS, reducing the risk of fraud.

中国人不用支票，但使用信用卡后会收到确认短信，降低了诈骗的风险。

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Moving credit risk around the system is no replacement for reducing it, meaning stress levels are set to stay high.

信用风险在体系内发生转移并不能起到降低风险的作用，这意味着压力水平料将继续维持在高位。

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Reducing risk: Sophisticated credit scoring systems have reduced the risks of default and foreclosure while enabling the expanded use of automated underwriting systems.

降低风险：复杂的信用评分体系已降低了违约风险和丧失赎取权的风险，而同时可扩大自动保险系统的使用。

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The ECB effectively addressed contracyclical vs pro-cyclical issues while reducing credit risk and aiding the banks in tightening their balance sheets.

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This should rein in the more careless lenders, reducing the risk of a credit bubble.

ECONOMIST: Russia's economy

Consider reducing your interest rate risk while increasing your credit risk.

FORBES: Fixed Income for Bears