Personal housing loan business by its earnings, reliable guarantee high risk, etc, to control the favour of banking industry.

个人住房贷款业务以其担保可靠、收益较高、风险易控等特点，倍受银行业的青睐。

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By not raising rates quickly enough in a real estate bubble, Easy al helped let the money flow to every high-risk, no document loan applicant extant.

由于没有及时提高房地产泡沫中的利率水平，其放松银根政策使得金钱流向每一个高风险、无借贷记录的贷款申请者。

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These included the right to force Banks to build up extra reserves during boom times, increase risk-weights on high-risk lenders and impose loan-to-value ratios in the mortgage market.

银行可以在繁荣时期建立额外储备金，对高风险借款人增加风险筹码，和对抵押贷款市场规定贷款价值比率。

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For example, the Hustle eliminated underwriters from loan production, even for many high-risk loans, such as stated income loans.

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When debt is treated more like a utility, with the lender managing risk so there is a high probability the loan and the agreed-upon yield will be paid, such lending is more consistent with its economic purpose.

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This will leave the high-risk pool now has two options: turn to credit unions, or give up on getting a loan.

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