此外，经济增长减速、审慎监管趋紧和负债升高大大增加了银行的风险厌恶度，促使它们大幅提高借款人风险溢价。 如今借款人不但要提供抵押品，还必须找到第三方为贷款提供担保。
Moreover, slowing economic growth, tighter prudential regulation, and increased liability have made banks much more risk-averse, driving them to demand a significantly higher risk premium from borrowers, who must now not only provide collateral, but also find third parties to guarantee the loans.