Loan securitisation disperses risk through the financial system and reduces the chances of a banking collapse.

贷款证券化将风险并且分散到金融系统不同的环节，由此降低了银行破产的风险。

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However, the issues of bad loans and loan risk management that has been harassing ADBC for quite a long period present a "bottleneck" for the formation of modern bank system for ADBC.

但长期以来一直困扰农业发展银行的不良贷款以及贷款风险管理问题，在打造农业发展银行现代银行制度中形成“瓶颈”制约。

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But because of the shortage of personal credit system, it must have the risk countermeasure to grantee the loan.

但由于个人信用制度的短缺，我国助学贷款的顺利发放还需要有有效的风险防范机制。

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And the regulators invented the Basel system of risk-weighted capital ratios, which stipulates different leverage ratios for different categories of loan, in theory to take account of the riskiness of those loans.

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