The key to mortgage regulation is the concept of “risk weight,” a measure that increases with the probability that a borrower will default. For example, a loan to AAA-rated Microsoft has a 0% risk weight, meaning that it is virtually risk-free.
按揭监管的关键是“风险权重”的概念。这一指标随借款人违约概率的增加而增加。比如，贷给AAA级的微软公司的贷款，风险权重为0%，这意味着它可视为无风险。贷给印度政府的贷款，风险权重为50%，风险更高的阿根廷贷款，风险权重将是150%。