They take photos of a potential borrower at work to confirm employment status.

会为潜在借款者拍摄工作照，以确认其就业状况。

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Is the potential borrower the owner of the property that is offered as security for the loan?

这名未来借贷人是否担保物业的持有人？

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Credit risk is most simply defined as the potential that a bank borrower or counterparty will fail to meet its obligations in accordance with agreed terms.

最简单的信用风险的潜力被定义为一个银行借款人或对手无法履行义务按照约定。

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Not surprisingly, the banks, which have had no choice but to offer loans regardless of the financial background or earning potential of the borrower, are wriggling out of the scheme.

ECONOMIST: Students are struggling to cover their loans

McKinsey believes, however, that this increase in financial institutions' debt disguises a positive trend: much of the debt is now of a longer-term nature, so poses less of threat to the stability of the economy (it can't be called in at a moment's notice, to the potential ruin of the borrower).

BBC: UK's debts 'biggest in the world'

Company analysts are assigned to rate potential borrowers as "very favorable" or "highly questionable" after reviewing hundreds of scanned pages detailing the borrower's salary and credit history.

WSJ: Mortgage Jobs Sent to India by U.S. Banks