Well, it boils down to riskiness.

好吧，这归结为。

They are higher debts will increase the riskiness of the underlying equity and way on the capacity for growth.

它们是更高债务将增加基础股权和增长能式。

And depending on the riskiness of the bank, the value of your equity would go up or down.

根据银行， 您股权价值会上升或下降。

It is thus no surprise that the riskiness of loans has risen, despite efforts by lenders and regulators to tighten credit standards.

因此，尽管贷和监管机构努收紧信贷标准，但贷上升也就不足为奇了。

So a second measure to consider is its levels of risk-weighted assets (RWAs), in which the size of the balance-sheet is adjusted to reflect its riskiness.

如此一来，第二种要考虑评估法就是银行加权资产等级，即通过资产负债表规模标准推算贷。

What is evaluated by individual owners of money that is transferred through financial institutions is the riskiness and earnings prospects of the financial institutions themselves.

通过金融机构转移资金个人所有者评估是金融机构本身和盈利前景。

It has helped reduce risks or at least ameliorated the overall riskiness of the financial system because, like I said, we have centuries of horrible experiences of banking crises.

它有助于降低， 或者至少改善金融体系整体，因为正如我所说， 我们有几个世纪以来银行业危机可怕历。