信用风险

If you are already considered a credit risk by a bank, a secured loan might be your only alternative.

如果银行已经认为你有信用风险，那么抵押贷款就是你唯一的选择了。

This risk may comprise both credit and liquidity risk.

这种风险可能包括信用风险和流动性风险。

Banks can minimise their credit risk by vetting borrowers carefully.

银行可以通过核查借贷者的状况来让信用风险最小化。

But the basics of credit - risk management have been reinforced rather than overturned.

但信用风险管理（credit-riskmanagement）的基础不仅未被颠覆，反而得到了加强。

But market risk and the credit risk influence is biggest.

而其中的市场风险和信用风险影响最大。