Some ways banks transfer credit risk to investors can actually increase the risk of the bank going bankrupt. This happens when a bank sells the safer part of the risk but keeps a big portion of the risky part. It doesn't matter if the bank takes on more debt or new risks, but these can make things worse. Banks with lots of debt and focused business models are more at risk. This is important for people managing risks and making rules for banks. Usually, it's suggested that banks keep the riskiest part of the deal to themselves. But in some cases, this can make things worse for the financial system. So, we need to think more about how these deals are structured.