Small town banks have to assess the relative riskiness of threir loans.

小城市的银行必须预估他们贷款相当的冒险.

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The markets and regulators use ratings to determine the riskiness of an asset.

市场与监管者都利用评级来确定一项资产的风险水平.

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As they do, the riskiness of the system steadily increases.

因此他们乐于更多地借贷.

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