这一想法是放款机构在放款时更负责任，即(审视)放款机构是否无法将这些具有风险的抵押出售给投资人。

The idea is that lenders will be more responsible in making loans if they might not be able to pass off risky mortgages to investors.

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规定信贷资料服务机构，收到由借款人的放款人发出的拒绝服务通知时，删除信贷资料库内有关的已结束帐户的资料。

Require the credit reference agency , on receipt of an " opt - out " request notified by the borrowers lender , to delete the terminated account information from its credit database.

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对轻率的放款机构与投资人纾困，会不会引发道德风险？

Did it cause moral hazard as reckless lenders and investors were effectively bailed out?

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