如果是因为过去的信用问题使得个人无法获得贷款，那对方对于债权人的义务又有几分认真？进一步来说，对你又有几分认真呢？
If past credit problems makes getting a loan on their own impossible, that may very well be a portent of how seriously (or not) they treat their responsibility to creditors and, by extension, you.
这些公司收集个人所有信贷使用记录，包括账单支付，抵押贷款和信用卡。
The companies collect a history of all credit use by an individual, including payment of bills, mortgages, and credit CARDS.
但是在最近几年里，数百万贫穷、有欠款危险或者信用值不够的个人得到了抵押贷款，现在，他们中的许多人已经或即将无法偿还贷款。
But recent years have seen mortgage loans made to millions of individuals with poor, risky, or insufficient credit - many of whom have either defaulted on the loans or are at risk of doing so.
个人就会在房屋按揭和信用卡上开始违约，倒闭的公司也不会再付贷款给银行。
Individuals started to default on their mortgage and other credit payments. Bankrupt companies stopped paying their loans to Banks.
另外，个人抵押贷款，商业地产贷款，信用卡贷款和个人资产贷款的重新计算都会导致大银行的倒闭。
In addition, resets of mortgage loans, commercial real estate loans, credit card loans, private equity loans etc are all problem areas that could bring major Banks down.
金融机构对申请贷款的个人进行信用检查，以确保此人有能力偿还贷款。
The financial institution performs a credit check on the individual requesting the loan as assurance that the individual has the financial capability to repay the loan.
不过，有兴趣的个人信用贷款，帮助按揭贷款。
However, there is credit and loan help for individuals interested in home mortgage loans.
在实现这个目标上，诸如信用卡或个人贷款等消费金融产品在欧洲十分成功。
Consumer finance products like credit CARDS or personal lending are very successful in Europe in achieving this objective.
我国在个人信用贷款方面的法律依然是空白，仅有的信贷法律适用对象都是生产型的企业，而不是个人信贷。
In our country, the law of personal credit loan is still blank, only the applicable object of credit law is the productive enterprise, not the personal credit.
个性化的贷款对于希望借到更多钱的个人来说也是一个不错的选择，但是候选人必须有良好的信用背景。
Personal loans are also an option for those who wish to borrow larger sums, but applicants must have a good credit history for these.
然后去掉付加信用卡的无担保的个人贷款。
Then remove the additional credit card to pay the unsecured personal loans.
个人住房消费信贷是银行等金融机构为满足居民购买住房的需求而提供的信用贷款服务。
Individual consumption loan is a credit loan service provided by Banks and other financial institutions in order to meet the needs of housing of the citizens.
最后，通过个人住房贷款信用风险评估体系的建立验证了这些方法的实用性。
Finally, through constructing credit risk evaluating system of individual housing loan, the practicality of these methods was proved.
目前国内对大学生助学贷款个人信用的研究定性分析居多，很少运用定量的方法建立分析预测模型。
At present, there are many domestic studies on credit analysis of student loans, but these studies are qualitative researches basically, seldom using quantitative methods to set up analysis models.
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.
但由于个人信用制度的短缺，我国助学贷款的顺利发放还需要有有效的风险防范机制。
But because of the shortage of personal credit system, it must have the risk countermeasure to grantee the loan.
信用卡和个人贷款的发放就如同发糖果一样。贷款方个个在争抢快速增长的消费贷款市场。
Credit CARDS and personal loans were handed out like confetti as lenders rushed to grab share of the fast-growing consumer credit market.
最后，论文就完善我国个人住房贷款信用风险评估模型的应用环境提出了相应的建议。
Finally, perfect thesis our country individual housing loans credit risks estimate that model application environment has submitted corresponding suggestion.
最后提出了改善商业银行个人住房贷款信用风险管理外部环境的对策。
Finally, some measures are suggested to improve the exterior environment of credit risk management of commercial Banks' individual housing loan.
第二部分——个人住房抵押贷款风险防范与个人信用征信制度。
Section two: the risks prevention system of individual housing loan and the individual credit reporting system.
降低助学贷款金融风险，可通过建立个人信用体系，提高违约成本，修改还款方式、延长还款期限，以及加大政策支持力度四个途径来实现。
The risk can be reduced through four ways, namely establishing personal credit system, increasing default cost, revising repayment methods and strengthening policy support.
去年，北美个人财富增长速度与2006年9月相比减缓至3.8%，这是去年贷款危机和信用紧缩的表现。
North American personal wealth growth slowed to 3.8 percent last year, compared with 9 percent in 2006, reflecting the mortgage crisis and the onset of the credit crunch last summer.
有运用个人债务合并贷款、房主的合并贷款或者坏信用贷款的选择根据借户的要求。
There is the use of personal debt consolidation loan, the owner of the combined bad loans or credit based on the choice by households.
债务免除（归零），免除所有的信用卡债务、汽车债务、个人债务、教育债务和按揭抵押贷款债务，作为多年来银行欺骗的补偿。
Debt-forgiveness (zero-out) on all Credit Card, Auto, Personal, Educational, and Mortgage Loan Debt as a remedy for years of Bank Frauds.
鉴于银行致力推广个人贷款方面的部分环节，年内信用卡贷款大幅增加。
Credit card advances increased significantly during the year as a result of Banks' promotion efforts on some personal segments.
鉴于银行致力推广个人贷款方面的部分环节，年内信用卡贷款大幅增加。
Credit card advances increased significantly during the year as a result of Banks' promotion efforts on some personal segments.
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