The author could also imply that we should be optimistic when taking a risk when it involves getting a loan.
According to the article's title, the article speaks in the context of the US banks giving out loans so in that context, it also perhaps refers to the 2008 financial crisis in the US caused by too many loans given out and people becoming bankrupt and not being able to pay back. So perhaps the focus is more on banks in the US being more cautious when giving out loans by checking the credit of each individual to ensure they are able to pay it back. So this involves stricter laws in order to avoid another economic crackdown.
Your question seems to be a bit vague but this is what I had in mind. Perhaps if you can elaborate a little more.