A client pledges a portfolio of tech stocks as collateral to borrow $10 million from us. If the tech sector crashes by 30% tomorrow, walk me through how market risk and credit risk interact here.

一个客户把一批科技股投资组合抵押给我们，借走了1000万美元。如果明天科技板块暴跌30%，请告诉我这里市场风险和信用风险是如何相互作用的？