拉巴克说，没有高质量信贷机构提供详细的潜在客户的还款记录，大量的国际移民使欠债收集起来很困难。
Mr Labak says there is no high-quality credit bureau to provide details on repayment records of potential clients, and high levels of internal migration make arrears collection difficult.
它使这个资源丰富的国家成为欠债最多的国家。
It renders this resourceful nation the most indebted one in the world.
男性更易于“前脚欠债、后脚遗忘”，而女性则会有规律地向信用卡还钱，使债务不至于很高。
Women keep track of their spending and are less likely to build up debts through loans and credit cards, according to new research.
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