The fair value option is associated with an entity's own credit risk.

公允价值选择权与实体自身的信用风险有关。

But their lender said they were a bad credit risk.

但是他们的贷款人表示，他们的信用风险不好。

Another reason to look inward is rising credit risk.

另一个内部原因是信贷风险越来越大。

Does that really mean the market considers Banks a better credit risk than the Treasury?

这难道意味着市场认为银行的信用风险比国债小吗？

CDS contracts allow investors to take on credit risk without buying the underlying bonds.

CDS合同使投资人不用购买合同下的债券就能参与这类债券的风险。