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.
总的违约率仅0.3%。
这会影响违约率吗？
违约率在上升。
这与20世纪30年代，五年最高违约率45%形成对照。
That compares with a peak five-year default rate of 45% during the 1930s.
而现在，信贷增长缓慢，而违约率则有抬头之势。
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.
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%.
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.
因此，违约率就变的很低，传统上，低违约率与低息差相联系。
Traditionally, low default rates have been associated with low spreads.
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.
因此，违约率就变的很低，传统上，低违约率与低息差相联系。
As a result, the default rate has been very low.Traditionally, low default rates have been associated with low spreads.
因此，违约率就变的很低，传统上，低违约率与低息差相联系。
As a result, the default rate has been very low. Traditionally, low default rates have been associated with low spreads.
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.
但是，有两个关键数据表明违约率在不断攀升，而不是快速下降。
But two key data points indicate defaults climbing higher, not falling fast.
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.
违约率逾50%并不少见-从表面看，这是一个惊人的数字。
Default rates of more than 50% are not uncommon-on the face of it, a shocking number.
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.
次级和简易型贷款的债务人不均的信用记录使得很难用模型精确算出违约率。
The patchy credit histories of subprime and low-documentation borrowers made it hard to model default rates accurately.
虽然违约率最近不稳定，但是过去几个月垃圾债券的价格急速上升。
Although they have wobbled a bit lately, junk-bond prices have recovered sharply in the past few months.
虽然有一些稳定的迹象，但是太多的房屋还在待售，同时违约率飞涨。
There are some signs of stability, but too many homes are for sale and defaults are rising fast.
帕帕·德莫斯说，欧洲央行的数据考虑到了这些差异，还有贷款违约率上的差异。
Papademos said the ECB's figures account for those differences, as well as for how euro-zone loan default rates differ from those in the U.S..
FHA担保的抵押贷款，8月份违约率已经从一年前的5.7%上升至8.1%。
The default rate on FHA-insured mortgages was already running at 8.1% in August, up from 5.7% a year ago.
将学生背景类似的赢利性大学与公立或者是非赢利性机构相比较，其违约率也大致相同。
Compare a for-profit college with a public or non-profit institution with similar student backgrounds, and the default rates are similar.
同时，两家公司还声称其客户违约率仍保持在稳定的水平，这更是难能可贵。
More impressively, they also said that customer arrears had remained stable.
另一份报告指出了同样的问题，赢利性大学的学生违约率远高于公立或者非赢利性大学。
Also troubling was another report that found for-profit college students defaulted on their loans at a far higher rate than students at public or non-profit colleges.
从程度方面来看，违约率在1933年为15.4％；90年代初经济衰退时为12％。
To give an idea of the scale, the default rate in 1933 was 15.4%; in the early 1990s recession, it reached 12%.
最近，《华尔街时报》的报道中写道：“违约率的增加，使受到打击的美国运通陷入了低谷。”
Recently The Wall Street Journal reported, "As defaults rise, bruised AmEx returns to its roots."
最近，《华尔街时报》的报道中写道：“违约率的增加，使受到打击的美国运通陷入了低谷。”
Recently The Wall Street Journal reported, "As defaults rise, bruised AmEx returns to its roots."
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