我们提到CA拥有最高的违约率。
总的违约率仅0.3%。
公立大学毕业生的违约率为6%，高于07年的5.9%。
And those graduating from public colleges defaulted at a rate of 6%, an increase from 5.9%.
最近3年的违约率非常低，这也是公司债券息差如此窄的原因。
That default rate has been very low over the past three years, a big reason why corporate-bond spreads have been so narrow.
这些模型都让使用者能通过估测数据推算小企业贷款的违约率。
Both of these models allow users to project default frequency for small business loans based on a validated data set.
虽然公立大学贷款的违约率更高，但是私立学校的违约率增速更快。
Although state borrowers default at a higher rate, the private school default rate is growing at a much faster pace.
虽然借款人的收入与背景相似，但后者的违约率仅为前者的四分之一。
The default rate for CAP borrowers was only a quarter what it was for subprime mortgage holders, even though the incomes and backgrounds of borrowers were similar.
它只借钱给那些信誉评分很高的人，这就使它能够保持很低的违约率。
It lends only to people with high credit scores, which allows it to maintain a low default rate.
不断上升的违约率对公司收益的负面影响可能要比人们预期的时间更长。
Rising defaults could weigh on earnings for longer than expected.
信贷危机期间，这一业务的违约率过高，借款人和贷款人都对其失去了兴趣。
The business was marred by high default rates that went stratospheric during the credit crisis, and borrowers lost interest - in both senses of the word.
P2P贷款相比垃圾债券，有更高的收益率，更低的违约率，和更短的存在时间。
Peer-to-peer lending has higher yields, lower defaults, and shorter duration than junk bonds.
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%.
据摩根大通，2009年第一季度一个月的违约就有15件，但是五、六月份的违约率将下降一半。
According to JPMorgan, there were 15 defaults a month in the first four months of 2009, but the rate fell by half in May and June.
根据评级机构标准普尔（标普），到10月底截至的过去一年中，美国垃圾债券的违约率只有2.9％。
Over the year to the end of October, only 2.9% of American junk bonds had defaulted, according to Standard &Poor’s (S&P), a rating agency.
Friedlander先生认为，最终市政债券的违约率相对类似评级的公司债券而言应该是比较低的。
As a result, municipal defaults should remain low relative to similarly rated corporate credit, argues Mr.
如果假设更为典型的违约债券回收率(1美元约回收40美分)，公司债券市场定价反应69%的违约率预期。
On a more typical recovery rate (around 40 cents on the dollar), the markets were pricing in a 69% default rate.
事实证明，这个世界上很多穷人的贷款违约率居然低于当初雷曼兄弟推销的优质资产的违约率，这真是一种讽刺。
Ironic, then, that many of the world's poor are better credit risks than the once-high-flyers at Lehman Brothers.
这种紧张气氛的迹象无处不在，9月教育部报道了2009年的违约率达8.8%，也就是说270内未能完成付款的比率。
Signs of strain are everywhere. In September the Department of Education reported that in 2009 the default rate, which is defined as non-payment for 270 days, had reached 8.8%.
每个CDO的销售均以其自身的推测为基础——而此处将用到一些对未来30年中利率以及反映偿付情况的违约率的中心假设。
Each CDO would be sold on the basis of its own scenario, using central assumptions about the future of interest rates and defaults to "demonstrate" the payouts over, say, the next 30 years.
远不像上世界30年代，现在的违约率还没有打破上世界90年代的最高纪录，而且仅仅比本世纪初衰退还非常微弱时的水平略高一点。
Far from resembling the 1930s, the default rate did not reach the heights recorded in the early 1990s, and was only a little above its level in the early 2000s, when the recession was very mild.
一份最近的评估报告预计高产债的违约率，从2007年的0.9%上升到今年4.8%，翻了4倍。若衰退持续，上述情况还算是乐观估计。
One recent estimate expects default rates on high-yield debt to quintuple from 0.9% in 2007 to 4.8% this year. If the downturn endures, even that could prove optimistic.
Friedlander先生认为，最终市政债券的违约率相对类似评级的公司债券而言应该是比较低的。但是投资者将不得不区分挥霍浪费的州和审慎的州。
As a result, municipal defaults should remain low relative to similarly rated corporate credit, argues Mr. But investors will have to work to separate the prudent from the profligate.
果真如此的话，那么CapitalOne等公司的收益预计将大幅上升，因为较低的违约率可以减轻信用卡贷款发放公司在提取贷款损失准备金方面的压力。
If so, firms like Capital One could look forward to sharply higher earnings as lower defaults would allow lenders to ease off on the expense of building their loan-loss reserves.
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.
随着非正规贷款公司违约率的提高，存款可能会回流至中资银行。
As the default rate for informal lending vehicles rises, deposits may return to the Banks.
上周汇丰承认他们在美国的高风险房贷业务违约率超过预期。
Last week HSBC admitted that its riskier American mortgage-holders were defaulting in unexpected Numbers.
近年极低的公司违约率肯定会上升。
Corporate default rates, stunningly low in recent years, are sure to rise.
但是信贷机构争辩说他们的评级只能衡量违约率的可能性，而并不对个别的证券提出买进的建议，也不能预测市场价格。
But the agencies argue that their ratings are designed to measure the probability of default, not to recommend the purchase of individual securities or to predict market prices.
但是信贷机构争辩说他们的评级只能衡量违约率的可能性，而并不对个别的证券提出买进的建议，也不能预测市场价格。
But the agencies argue that their ratings are designed to measure the probability of default, not to recommend the purchase of individual securities or to predict market prices.
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