是要人为地抬高其平均借款人信用评分吗？
To artificially inflate their average borrower's credit score?
文章考察了有关借款人信用信息的两种产生机制。
This paper surveyed two engendering mechanisms of borrowers' credit information.
这是评估借款人信用程度的主要信用评级机构之一。
A leading credit rating agency that assesses the creditworthiness of borrowers.
全国统一个人信用数据库的正式运行，大大推进了社会信用体系的建设。
The operation of unified credit database in China greatly pushes the social credit systems forward.
其他人认为金融市场紧张及风险的扩大抵消了放松借款人信用成本的政策作用。
Others noted that financial market strains and elevated risk spreads had offset much of the effects of policy easing on the cost of credit to borrowers.
诉讼时效的功能在于保障第三人对债务人信用的合理期待，这是诉讼时效的制度基础。
The function of limitation of action is to protect the third party's reasonable expectancy for debt trust, which is the constitutional foundation of limitation of action.
但由于在我国的传统体制中找不到合适的规则来规范这一新生事物，所以才会爆发职业经理人信用危机。
It is lack of suitable regulations to norm them that conduces to the crisis of professional manager's credit.
更一般地，信用风险还包括由于借款人信用评级的降低导致其债务市场价值的下降而引起的损失的可能性。
More generally, including credit risk as a borrower's credit rating to reduce its debt led to the decline in the market value of the losses arising from the possibility.
虽然有钱人可能为了方便而使用信用卡，他们从来不让利息费累积。
While they may use a credit card for convenience, affluent people never let interest charges accrue.
联邦储备银行想让各家银行继续贷款给信用良好的借款人。
The Fed wants banks to continue to lend to creditworthy borrowers.
然而合伙人的透支率取决于你的信用等级。
信用卡生意正在走下坡路，更多的借贷人不履行还贷责任。
The credit card business is down, and more borrowers are defaulting on loans.
由于他们还没有建立起自己的信用记录，可以肯定的是，这些年轻人会为由此产生的信用卡债务支付相对较高的利息。
Since they haven't built up their credit histories yet, it's a safe bet that these young adults are paying relatively high-interest rates on the resulting credit card debt.
由于他们还没有建立起自己的信用记录，可以肯定的是，这些年轻人会为由此产生的信用卡债务支付相对较高的利率。
Since they haven't built up their credit histories yet, it's a safe bet that these young adults are paying relatively high interest rates on the resulting credit card debt.
邓恩说，很多年轻人将永远无法摆脱他们的信用卡债务。
Dunn says a lot of these young people are never going to get out from under their credit card debt.
如果我们发现的这些情况一直持续下去，我们会看到老年人陷入财务危机，无法还清信用卡债务。
If our findings persist, we may be faced with a financial crisis among elderly people who can't pay off their credit cards.
“次级借款人”指的是，那些信用记录较差的借款人，或在其他方面显示，他们很可能无力偿还贷款。
A "subprime borrower" is somebody who has a poor credit history or some other indication that would suggest that they might not be able to repay the mortgage.
越来越多的证据表明，如今的年轻人也深陷信用卡债务的泥潭，他们中的许多人将把这些债务带进坟墓。
There's a growing body of evidence suggesting that today's young adults are also drowning in credit-card debt and that many of them will take this debt to their graves.
但越来越多的证据表明，如今的年轻人也深陷信用卡债务的泥潭，他们中的许多人将把这些债务带进坟墓。
But there's a growing body of evidence suggesting that today's young adults are also drowning in credit-card debt and that many of them will take this debt to their graves.
俄亥俄州立大学（Ohio State University）的一项新研究发现，年轻人累积信用卡债务的速度比其他年龄段的人更快，且他们偿还债务的速度也更慢。
A new study out of Ohio State University found that young adults are accumulating credit card debt at a more rapid rate than other age groups, and that they're slower at paying it off.
手机银行方案还包含小额贷款，扩展了信贷渠道，而且能够建立贷款人的信用记录。
M-banking schemes can be combined with microfinance loans, extending access to credit and enabling users to establish a credit history.
有些电脑程序会自动地增加利率或者删除信用额度，但是人的沟通可以纠正这个问题。
Some computer program automatically increase rates or remove credit lines, but human interaction may get it back.
在当前的经济衰退期，很多借款人，优先还信用卡和汽车的贷款，而不是房屋的贷款。
In the current recession some borrowers have given priority to their credit-card and car loans rather than their mortgages.
但是他们的贷款人表示，他们的信用风险不好。
次级借款人“指的是，那些信用记录较差的借款人，或在其他方面显示，他们很可能无力偿还贷款，也就是说他们很可能违约。”
A "Subprime borrower" is somebody who has a poor credit history or some other indication that would suggest that they might not be able to repay the mortgage — they might default.
彼时，由于实际利率的下降，贷款人必须提供额外的信用。
Lenders must then be induced to provide additional credit through reductions in the real interest rate.
货到付款(COD)在印尼(72%)和马来西亚(52%)很普遍，而新加坡人用信用卡付款的比例最高(46%)。
Cash on delivery (COD) was common in Indonesia (72%) and Malaysia (52%), while Singapore had the highest percentage of payments made by credit CARDS (46%).
货到付款(COD)在印尼(72%)和马来西亚(52%)很普遍，而新加坡人用信用卡付款的比例最高(46%)。
Cash on delivery (COD) was common in Indonesia (72%) and Malaysia (52%), while Singapore had the highest percentage of payments made by credit CARDS (46%).
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