不行，我们需要拿这些公司的资产作为担保，或者延长他们的贷款。
No, we need to take an equity assurance in these firms or we need to extend them loans.
根据世银最近的一份报告指出，私人信贷者赋予贷款人具备更灵活的贷款合同以及需要更少的第三方担保人。
According to a recent report by the World Bank, private lenders have granted borrowers more flexibility with loan covenants and demanded fewer third-party guarantees.
之后信贷再次放缓，因此放款人降低贷款价格至1％的贷款利率，而且不需要担保和首 付款。
Sales again slow, so lenders lower the price to 1% with no collateral and no money down.
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