risk-free lending

Although the principles contained in this paper are most clearly applicable to the business of lending, they should be applied to all activities where credit risk is present.

虽然在本文件所载的原则是最清楚适用于贷款业务，应适用于所有活动，其中的信贷风险是存在。

Global regulators have taken a landmark step towards taming risk in a key segment of the shadow banking system, outlining tougher rules on collateral for short-term lending which will affect both banks and non-bank players.

全球监管机构向着遏制影子银行体系一个关键领域的风险迈出具有里程碑意义的一步，出台了针对短期放贷抵押品的更严厉规则，这些规则将影响银行和非银行实体。

Lending rate, the mostly ingredient in credit, has connection with time limit, fluidness, risk and manage cost.

通常，利率与贷款的期限、流动性、风险和管理成本有关系。

The higher the risk of lending money, the higher is the interest rate demanded by the lenders.

贷款的风险越高，贷方索要的利率就越高。

The higher the risk of lending money, the higher is the interest rate demanded by the lenders

贷款的风险越高，贷方索要的利率就越高。

The fall of Lehman, Bear Stearns and other banks around the world in 2008 was made possible because the financial risk that stemmed from the US subprime mortgage lending was being recycled around the market via shadow banking structures.

雷曼兄弟、贝尔斯登（bear stearns）以及全球其它银行在2008年破产的原因是，源自美国次贷的金融风险通过影子银行结构在市场上反复循环。