不行，我们需要拿这些公司的资产作为担保，或者延长他们的贷款。
No, we need to take an equity assurance in these firms or we need to extend them loans.
根据世银最近的一份报告指出，私人信贷者赋予贷款人具备更灵活的贷款合同以及需要更少的第三方担保人。
According to a recent report by the World Bank, private lenders have granted borrowers more flexibility with loan covenants and demanded fewer third-party guarantees.
之后信贷再次放缓，因此放款人降低贷款价格至1％的贷款利率，而且不需要担保和首 付款。
Sales again slow, so lenders lower the price to 1% with no collateral and no money down.
能借贷担保无抵押贷款，你需要做的是证明您的就业状况。
To be able to borrow a guaranteed unsecured loan, all you need to do is prove your employment status.
商业贷款担保的一个重要特点是，借款人需要把反担保贷款。
An important feature of commercial secured loans is that the borrower needs to put a security against the loan.
我不能肯定，我是否还需要其他的证明或担保来获得这笔贷款呢？
I'm not sure if I need any other proof or guarantee to get this loan, do I?
如果是一份可行的商业计划，银行提供贷款就不需要担保。
When a viable business plan is presented, the Banks grant the loans without any guaranty.
作为贷款人，我们迅速做出决定，为您提供优惠利率的贷款，并且不需要公司董事和管理层的担保。
As a lender, we make quick decisions, provide you with advance rates higher then most lenders, and require no personal guarantees from officers and directors of public companies.
作为贷款人，我们快速做出决定，为您提供优惠利率的贷款，并且不需要公司董事和管理层的担保。
Bs a lender, we make quick decisions, provide you with advance rates higher then most lenders, and require no personal guarantees from officers and directors of public companies.
但是在银行发放信用贷款的时候，由于银行没有获得相应的保证以及担保物，就势必需要对借款企业的会计信息进行全面分析，尽可能降低信贷风险。
However, as there is no guarantor or collateral while offering a credit loan, bank officers need to analyze the borrower's accounting information comprehensively to reduce the risk to the bottom.
每一个新的投资者需要认识到，这些贷款不是一所房子或任何抵押品作担保的。
Every new investor needs to realize that these are loans are not secured by a house or any collateral.
但是 ，现有研究更多的是从不同角度来解释并不需要抵押或担保的团体贷款的还款率为何如此高 ，而忽视了团体贷款与个人贷款的效率的比较。
The present studies have paid attention to explain why its repayment rate is so high, yet have not compared the efficiency of group lending with other forms of credit.
但是 ，现有研究更多的是从不同角度来解释并不需要抵押或担保的团体贷款的还款率为何如此高 ，而忽视了团体贷款与个人贷款的效率的比较。
The present studies have paid attention to explain why its repayment rate is so high, yet have not compared the efficiency of group lending with other forms of credit.
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