他们找到了支持这个观点的两大负面因素：一是失业，二是很多借款人利用物业套现贷款来偿还高利率信用卡贷款的能力大大降低。
Two big negatives were identified: Job losses and, for many borrowers, a sharply reduced ability to use home-equity loans to pay off more expensive card balances.
这里“有效回收”指在规定期限内借款人有能力偿还的贷款都能回收上来。
Over here, effective recovery indicates that the loans could be recovered from the borrowers who have capabilities to repay the loan under regulated term.
但是，我们发现对于优质和超优质的借款人，FICO会让我们更准确地了解他们的偿还能力。
But we found that, for our prime and super prime borrowers, FICOwould give us a much more accurate picture of their ability to repay.
雅各布说，现金流量分析给出了借款人的偿还能力超过了个人信用评分，银行通常依靠小美元的贷款，对更全面地了解。
Jacobs says the cash-flow analysis gives a more complete picture of the borrower's ability to repay than the personal credit scores that Banks typically rely on for small dollar-amount loans.
关注：尽管借款人目前有能力偿还贷款本息，但存在一些可能对偿还产生不利影响的因素。
Special-mention: borrowers are still able to service the loans currently, although the repayment of loans might be adversely affected by some factors.
如果借款者没有能力偿还贷款，格拉明银行也不会问他们索要保证书，或者用他们的财产或地产偿还。
The Grameen bank, however, does not ask for guarantees or repayment in land or other property if the borrower is not able to repay the loan.
如果借款者没有能力偿还贷款，格拉明银行也不会问他们索要保证书，或者用他们的财产或地产偿还。
The Grameen bank, however, does not ask for guarantees or repayment in land or other property if the borrower is not able to repay the loan.
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