The terms used are not drawn from any particular legal system. Even when a particular term appears to be the same as that found in a particular national law, the meaning given the term may differ.
风险得以减轻，是因为贷款如以一个企业的财产作为担保，放款人就可以在借款人不还款时以获取该资产作为另一种偿付来源。