消费者被信用缺乏所重击，部分原因是作为贷款抵押保证的房地产价格大幅下降了。
Consumers are hardest hit by the dearth of credit partly because the value of the homes used as security for loans has plummeted.
这两家公司办理抵押贷款时非常关注借贷者的信用得分以及核实作为保证的必要资金。
The duo focused on mortgages to borrowers with good credit scores and the wherewithal to put down a deposit.
大多数资产担保证券，都是通过抵押贷款、信用卡贷款和汽车贷款产生的收入获利的。
Most asset-backed securities are secured by income generated from mortgages, credit card loans and auto loans.
但是在银行发放信用贷款的时候，由于银行没有获得相应的保证以及担保物，就势必需要对借款企业的会计信息进行全面分析，尽可能降低信贷风险。
However, as there is no guarantor or collateral while offering a credit loan, bank officers need to analyze the borrower's accounting information comprehensively to reduce the risk to the bottom.
但是在银行发放信用贷款的时候，由于银行没有获得相应的保证以及担保物，就势必需要对借款企业的会计信息进行全面分析，尽可能降低信贷风险。
However, as there is no guarantor or collateral while offering a credit loan, bank officers need to analyze the borrower's accounting information comprehensively to reduce the risk to the bottom.
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