Indeed, lenders are supposed to be experts on risk management and assessment, and in that sense, the onus should be on them. The risk of default or debt restructuring induces creditors to be more careful in their lending decisions.
在债务危机中，人们的指责通常会落到债务人身上。他们借得太多。但债权人的责任不亚于债务人——它们贷得太多，太不谨慎。事实上，贷款人理应是风险管理和评估专家，从这个角度讲，责任应该由他们承担。违约或债务重组风险应该让债权人在贷款决策中更谨慎。