他们发现，个人信用对GDP的比率在危机前十年处于中间值位置，38%左右，危机后十年再降回相同的数值。
They found that the ratio of private credit to GDP rises by a median of 38 percentage points in the decade prior to a crisis, and drops by an equal amount in the decade after.
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.
大多数信用卡的利率是固定的，由基本放款利率加上一些特定比率-如基本放款利率加上11.9%。
Most credit CARDS have their rate fixed at the prime rate plus some specific percentage - prime plus 11.9%, for example.
应用推荐