问题如下：
The dark side of retail credit risk is perpetuated by all of the following factors except:
选项： capital set aside to protect a bank
in the event of default.
process flaws resulting in high risk applicants receiving credit.
C.new products which do not have sufficient historical loss data.
D.a social acceptance of bankruptcy and borrowers -walking away- from their obligations.
解释：
A Capital must be set aside to protect banks in the event of default, but this is a response to the dark side of retail credit risk rather than a perpetuating factor. A process flaw which grants credit to high risk individuals, a new product which doesn't have historical loss data, and the social -acceptance- of failing to meet debt payments are all considered perpetuating factors of retail credit risk.
想问一下这句话是什么意思...
