然而，可以更确定的是毕业生的债务负担和违约率居高不下。
More certain, however, is that the debt burden and default rates for graduates are particularly high.
另外，微型金融依靠的是竞相还贷的趋同心理，这也必定让主流银行家们眼红，因为他们要疲于应付日渐增多的抵押贷款违约(表现为日益上升的止赎率[注4]和越来越多的寄钥匙的包裹[注5])，而微型金融的违约率微乎其微。
And microfinance’s reliance on peer pressure for repayment must be the envy of any mainstream banker struggling with rising foreclosures and “jingle mail”; delinquency rates are microscopic.
可能性更大的是他们会因为担心而干脆卖掉美国公债，直到收益率升至足以抵偿更高的违约风险。
More likely, they could just back away from Treasury bonds until the yields rise enough to compensate them for the higher risk of default.
另一个观察信用风险的途径：比较伦敦同业拆借率较银行信用违约互换升水的情况，信用违约互换是衡量违约的工具。
Another way of looking at credit risk is by comparing the LIBOR spread with the premiums charged on Banks' credit-default swaps (CDSs), which measure the risk of default.
美国房屋抵押贷款违约率依旧在上升：第一季度的季节性调整利率仍然是所有类别中较高的。
Delinquencies on American mortgage loans are still rising: the seasonally adjusted rate in the first quarter was higher across all categories.
违约率是衡量公司有多“垃圾”的基准，而是不是“垃圾”，则看其能不能如期偿付债务，这个比率在2009年11月达到最高点。
The default rate, which measures the percentage of companies with "junk" credit ratings that failed to meet debt obligations, reached its peak in November 2009.
信贷泡沫是另一个担忧。巴西、俄罗斯、印度和中国等新兴市场大国的信贷规模都在迅速扩大。巴西的贷款违约率近来有所上升。
Credit bubbles are another concern. Credit is rising rapidly in the big emerging-market countries-Brazil, Russia, India and China. Lately, loan-default rates have ticked up in Brazil.
汽车贷款行业最近经历了不断升高的违约率，现在已经是50%了，百分之五十，想想！
The auto loan industry recently is experiencing an increasing default rate, which is almost 50%.
违约损失率(LGD)是巴塞尔新资本协议中ir B法中最重要的参数。
Loss Given Default (LGD) is one of the most important parameters within Internal Risk Based approach (IRB) in the New Basel Capital Accord.
从宏观角度分析这样的表现，我们可以推测出当前违约可能发生的地方以及违约率是如何随时间而改变的。
Taking a macro view of this performance, there are some projections we can make about where the default rate is today and how it has changed over time.
尽管很多人认为，今年住房贷款违约和止赎事件频发的主要原因是利率不断调整，但事实却并非如此。在推动违约率的次级抵押贷款中，很多第一年前后的状况就已经很糟糕了，此时距其利率调高时间尚远。
Many of the subprime mortgages that have driven up the default rate went bad in their first year or so, well before their interest rate had a chance to go higher.
尽管很多人认为，今年住房贷款违约和止赎事件频发的主要原因是利率不断调整，但事实却并非如此。在推动违约率的次级抵押贷款中，很多第一年前后的状况就已经很糟糕了，此时距其利率调高时间尚远。
Many of the subprime mortgages that have driven up the default rate went bad in their first year or so, well before their interest rate had a chance to go higher.
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