这些公司收集个人所有信贷使用记录，包括账单支付，抵押贷款和信用卡。
The companies collect a history of all credit use by an individual, including payment of bills, mortgages, and credit CARDS.
国际个人金融(IPF)的职员习惯以低于本公司自动信贷系统限定额度的数额放贷。
IPF's employees habitually offer less money to borrowers than the firm's automated credit system says they can.
麦凯恩还危言耸听地说，如果不这样，银行信贷将崩溃，国内房产销售、个人存款及公司员工薪水都将受到不利影响。
If not, McCain said ominously that credit will dry up, jeopardizing home sales, individual savings and company payrolls.
难以获得信贷对小公司的打击尤其沉重，这类公司更可能至少部分由业主的个人资产和信用支撑。
Difficulty accessing credit takes a toll on small companies in particular, which are more likely to be at least partly supported by the owner's personal assets and credit.
业界最后仅存的支柱力量也出现了裂缝，很明显，个人消费者和公司信贷场和住房抵押市场将会迎来更大的亏损。
And cracks have appeared in the industry's last remaining pillars of strength as it becomes clear that big losses are coming in consumer and corporate credit as well as mortgages.
根据美联储信贷官员2月4日公布的季度调查报告，银行应该对个人消费信贷以及公司贷款收提高审批条件。
The Federal Reserve's quarterly survey of loan officers, released on February 4th, showed banks demanding tighter lending conditions from consumers and firms alike.
分析师加德纳(richard Gardner)写道，信贷缺乏、公司利润率不断下滑、失业率上升以及美元走强，这些因素都对公司和消费者个人电脑销售增长产生了负面影响。
Analyst Richard Gardner wrote that 'lack of credit, declining corporate profit margins, rising unemployment and a stronger dollar are all negatively affecting corporate and consumer PC growth.'
麦肯锡公司预测，未来几年后，中国的信用卡产业所带来的利润，到2013年就可能达到130亿元左右，信用卡将成为仅次于个人住房贷款的第二大零售信贷产品。
McKinsey Co. predicted that in the next few years, the profits of credit card industry in 2013 would reach 130 billion, and the credit CARDS will become the second-largest retail credit product.
波士顿咨询公司(BCG)预测，中国个人消费信贷将从现有的7万亿元人民币增长到2015年的21万亿元。
The Boston Consulting Group (BCG) forecasts that China's personal consumption credit will increase from present 7 trillion yuan to 21 trillion yuan in 2015.
分析师加德纳(richard Gardner)写道，信贷缺乏、公司利润率不断下滑、失业率上升以及美元走强，这些因素都对公司和消费者个人电脑销售增长产生了负面影响。
'Analyst Richard Gardner wrote that' lack of credit, declining corporate profit margins, rising unemployment and a stronger dollar are all negatively affecting corporate and consumer PC growth.
分析师加德纳(richard Gardner)写道，信贷缺乏、公司利润率不断下滑、失业率上升以及美元走强，这些因素都对公司和消费者个人电脑销售增长产生了负面影响。
'Analyst Richard Gardner wrote that' lack of credit, declining corporate profit margins, rising unemployment and a stronger dollar are all negatively affecting corporate and consumer PC growth.
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