In the primitive banking days when your professor was an undergraduate business student, banks had to manage their portfolio of loans carefully so that seeking higher returns via riskier borrowers did not put their institutions in peril. With access to huge international money and capital markets which allow retail banks to collect servicing fees and discounts on loans they originate and sell off these loans into the secondary markets. What does this do for the return/risk to retail banks? For borrowers? The local, national, global economy? Is there a parallel to the food industry?

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