如果你销售复杂的产品，你可以用因为这个产品太复杂了所以前景不好为借口。
If you are selling complicated products, you can use the excuse that a prospect failed to see the value because the products are so complicated.
此外，每月要支付的账单是一目了然的，但将来有个更好职业前景所带来的利益却不好量化，而且也不确定。
What's more, monthly payments are precise, while the numbers attached to a better career in the future are vague and uncertain.
履行不佳的贷款，不良贷款：指一项未来收益前景不好、回报率低的贷款。
Badly performing loan: loan with poor prospects for future gains and a low rate of return.
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