Most home buyers are considered prime or a high quality credit risk . yet lenders have taken the risk of sub prime loans , because those buyers pay higher interest rates 几乎所有的置业者都优先考虑第一手或高质量的风险贷款，但是贷方冒险提供二手贷款，因为这样做可收取置业者更高的利息。
By starting from the meaning and the characters of the credit risk , we can know our bank loan classification is different from foreign banks . correspondingly , the thesis points out that our work is mainly to reduce and control non - performing loan 文章从信贷风险的含义和特征入手，指出我国银行对风险贷款分类不同于国外银行风险贷款的分类，进而得出我国银行防范和化解银行信贷风险，主要是降低或控制不良贷款。
