If you put a property up as collateral, then the lender knows that they can get the money back from you.

如果你以资产作抵押,贷方就知道债务偿还有了保障

耶鲁公开课 - 金融市场课程节选

The adverse selection problem, when it comes to borrowers--people who are trying to borrow money -is that if you become a lender -let's say, if you -not talking about becoming a lender.

逆向选择的问题,对于借款方,即希望借到钱的人而言,假如你是贷款方,比方说,如果你...,还是换个说法吧

耶鲁公开课 - 金融市场课程节选