Financial institutions rely heavily on those scores to make lending decisions.

金融机构在做贷款决策时极为依赖这些分数。

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Simply put, it's all about the customer. Since lending decisions are made locally, we can provide.

简单地说，这所有都是对客户的。由于借贷决定在本地，我们可以提供。

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They felt that Banks got into trouble because the penalties for bad lending decisions had not been severe enough.

他们认为银行陷入困难处境是因为高危贷款的惩罚还不够严厉。

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In their lending decisions, executives used a hybrid approach that combines hard-nosed cultural analysis with microlending techniques.

WSJ: Using Small Loans to Generate Big Profits

Paulson said investment banks borrowing from the Fed should give regulators enough information to allow sound lending decisions.

FORBES: Paulson Talks Tough

They felt that banks got into trouble because the penalties for bad lending decisions had not been severe enough.

ECONOMIST: Learning from the past