信贷价值包括许多可变因素。其中包括还款习惯，当前拥有的无条件贷款信用额度，贷款收入比率以及信用历史。

Credit worthiness includes many variables, including repayment habits; the number of open credit facilities a person currently has, debt to income ratio and credit history.

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用来反映公司控制其可变成本的能力，指会计帐期内当期营运利润占当期销售总额的比率，通常以百分比表示。

The ratio which is used to indicate a company's ability to control its variable costs refers to the ratio of operating profit to turnover in a given accounting period. It is expressed as a percentage.

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