存货抵押贷款中，信用风险主要来源于抵押物价格和流动性风险，信贷人确定适当的利率和贷款价值比能够有效缓释信用风险。
Determining certain interest rate and loan to value ratio (LTV) can make creditors mitigate credit risk, which comes from the price risk and liquidity risk of collateral in inventory pledge loan.
受抵押市场不景气和住房存货膨胀的综合影响，房产价格可能进一步的下跌。
Further price declines seem likely given the toxic mix of blighted mortgage markets and swollen inventory.
你有没有签订任何卖据，将你的存货、家具或其它个人财产抵押给别人？
Have you executed any bill of sale of your stockin-trade furniture or other personal effects ?
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