First ingredient in the recipe: grow like crazy; second, by making or buying really crappy loans, but loans that are made at a very high interest rate or yield; three, while employing extreme leverage -- that just means a lot of debt -- compared to your equity; and four, while providing only trivial loss reserves against the inevitable losses.
这一套路不可缺少的“原料”：首先是疯狂地膨胀扩张。 其次是放出或者购买“垃圾贷款”， 不过这种贷款的利率或者收益 非常之高。 第三，大肆利用金融杠杆， 也就是相对于资产而言不成比例 的大量债务。 第四，为应对必然发生的坏账 提供少之又少的准备金。