The problem is that banks continue to offer big mortgages while having little of their own “skin in the game.” The IMF estimates that the average mortgage risk weight in Europe and Asia was 14% and 15%, respectively, with some banks using a risk weight as low as 6%.
问题在于，自己基本没有“牵涉其中”的银行继续放出大量按揭贷款。IMF估计，欧洲和亚洲的平均按揭风险权重分别为14%和15%，一些银行使用的风险权重低至6%。