Well, it boils down to riskiness.

好吧，这归结为风险。

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

它们是更高的债务将增加基础股权的风险和增长能力的方式。

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

根据银行的风险， 您的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，尽管贷方和监管机构努力收紧信贷标准，但贷款风险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，第二种要考虑的评估方法就是银行的风险加权资产等级，即通过资产负债表的规模标准推算贷方的风险。

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.

它有助于降低风险， 或者至少改善金融体系的整体风险，因为正如我所说， 我们有几个世纪以来银行业危机的可怕经历。