But banks can use internal mathematical models to calculate their own risk weights. This is akin to marking one’s own exam paper; unsurprisingly, banks’ risk scores are usually on the safe side.
至于按揭贷款，标准风险权重是35%（十年前是50%）。但银行可以用内部数学模型计算它们自身的风险权重。这就好比是自己给自己的考卷打分；好不奇怪，银行的风险评分往往落在安全区间。