个人消费贷款系列产品是建设银行向个人客户发放的用于指定消费用途的各类个人贷款的总称。
Personal consumption loans series products are a nomenclature of all personal loans which are granted by CCB to individuals for designated consumption use.
到目前为止，个人信用基础资料库已经有127家商业银行实现了全国联网。个人消费贷款的90%的信用记录已经录入资料库。
So far, a nationwide chain circuit link has been built with the participation of 127 commercial banks. 90% of the consumer credit has been recorded in the database.
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.
抵押贷款在20世纪50年代，只占个人消费支出的25%，现在却占到几乎100%。
You can see that in the early 1950s mortgage debt was only something like 25% of personal consumption expenditure, but now it's up to about 100%.
这并非贷款价值比率的问题，一定程度上，是抵押率的问题，即负债对个人消费支出的比率。
Part of — this is the — it's not loan-to-value ratio — this is the ratio of mortgage debt to personal consumption expenditure.
目前，个人消费信贷在我国产生不久，有关的管理办法和具体操作手段还不严密也不完善，作为一种特殊的个人消费信贷产品的国家助学贷款，其业务中的风险更是难以度量和控制。
And its management and procedure are still not consummate. State student loan is the special individual consumption credit, and the risk in its operation is more difficult to measure and control.
目前，个人消费信贷在我国产生不久，有关的管理办法和具体操作手段还不严密也不完善，作为一种特殊的个人消费信贷产品的国家助学贷款，其业务中的风险更是难以度量和控制。
And its management and procedure are still not consummate. State student loan is the special individual consumption credit, and the risk in its operation is more difficult to measure and control.
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