Edward Yingling says it restricts the ability to price credit for risk -- in other words, to charge more for those more likely not to repay their debts.

VOA: special.2009.05.22

They define four credit risk categories and they define a formula involving the amount of assets in each of the categories.

他们定义了四个风险等级,然后根据每个风险等级下的资产额,定义了一个资产总额的计算公式

耶鲁公开课 - 金融市场课程节选

International ratings agencies say Thailand's credit rating is at risk unless long term political divisions are resolved.

VOA: standard.2010.05.21

"Concern about systemic risk has diminished, and overall credit conditions have started to improve."

VOA: standard.2009.05.20