There are some risks in college finance like unbalance in the whole and excess loan.

应务存在总体失衡、过渡举债等风险。

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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.

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。

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We've had a few trust loan defaults that haven't caused a big stir yet, but there have been a couple of depositor bail outs that don't point to a determined attempt to curb the excess yet.

我们已经看到了一些信托贷款违约事件，但没有造成很大轰动，不过，已经有了两三件存款人救助的案例，但这些案例并还未显示出消除过分信贷的坚定努力。

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Similarly, if a property is sold at foreclosure or in a short sale and the underlying mortgage is recourse (meaning the borrower has personal responsibility for any excess loan deficiency remaining after the sale), then to the extent the remaining deficiency is forgiven, the borrower will again recognize COD income.

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Proceeds in excess of the bank's loan, less 5%, go to the borrower.

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However, as the economy regains steam and loan demand increases, those excess reserves will enter the marketplace and increase nominal spending and prices.

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