因为银行没有任何关于你的商业贷款还款能力的历史依据可参考，也没有关于你个人是否有还款能力或还款意愿的私人记录可参考。
The bank has no business history to look at in order to evaluate your ability to repay the loan. It has no personal history about you to determine your ability or willingness to repay.
因为银行没有任何关于你的商业贷款还款能力的历史依据可参考，也没有关于你个人是否有还款能力或还款意愿的私人记录可参考。
The bank has no business history to look at in order to evaluate your ability to repay the loan. It has no personal history about you to determine your ability or willingness to repay.
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