他们发现，个人信用对GDP的比率在危机前十年处于中间值位置，38%左右，危机后十年再降回相同的数值。
They found that the ratio of private credit to GDP rises by a median of 38 percentage points in the decade prior to a crisis, and drops by an equal amount in the decade after.
信贷价值包括许多可变因素。其中包括还款习惯，当前拥有的无条件贷款信用额度，贷款收入比率以及信用历史。
Credit worthiness includes many variables, including repayment habits; the number of open credit facilities a person currently has, debt to income ratio and credit history.
大多数信用卡的利率是固定的，由基本放款利率加上一些特定比率-如基本放款利率加上11.9%。
Most credit CARDS have their rate fixed at the prime rate plus some specific percentage - prime plus 11.9%, for example.
来自抵押银行，信用卡银行，保险银行的竞争——如华盛顿相互银行(Washington Mutual)，CapitalOne,AllstateBank——也使得高比率的状况难以得到改善。
Competition from mortgage, credit-card and insurance Banks such as Washington Mutual, Capital One and Allstate bank, means rates are likely to remain high.
同期，信用评级公司Moody ' s推测中国的银行的存贷比率仅为68%。
Meanwhile Moody's, a ratings agency, reckons that the loan-to-deposit ratio for Chinese Banks is a modest 68%.
确定合适的质押存货贷款价值比率能够使银行有效地缓释存货质押融资业务的信用风险。
Determining appropriate loan-to-value ratios of commodity collateral can make Banks mitigate credit risk of inventory financing effectively.
上述比率上升，主要因为个人破产个案急升，令信用卡组合的质素恶化。
The worsening of these figures reflects a deterioration in the quality of credit card portfolios, relating in particular to the sharp rise in personal bankruptcies.
他们还可以显示减少还款能力来衡量的信用分数，债务对收入比率，或其他标准，可能包括借款人的信用记录不全。
They may also display reduced repayment capacity as measured by credit scores, debt-to-income ratios, or other criteria that may encompass borrowers with incomplete credit histories.
传统的信用评价模型有财务比率分析、多元判别分析等，但这些模型都不能有效、全面、完整地解决信用评价问题。
Thus, traditional credit assessment models, such as financial ratio analysis, multiple discriminate analysis and so on, cannot solve this problem effectively, completely and perfectly.
信用-你容许从比率站上下载的数量。
The more credits you have the more software you are allowed to download.
我国的信用风险评估技术仍处于传统的比率分析阶段，对上市公司信用风险的研究才刚刚起步。
However, credit risk evaluation techniques in our country are still within the passage of classic ratio analysis.
我国信用风险度量技术还基本停留在资产负债管理及财务比率分析的定性管理阶段。
In our country, the technology of credit risk measuring still keeps qualitative analysis stage, that is, the debt-to-asset management and financial ratio analysis.
我国信用风险度量技术还基本停留在资产负债管理及财务比率分析的定性管理阶段。
In our country, the technology of credit risk measuring still keeps qualitative analysis stage, that is, the debt-to-asset management and financial ratio analysis.
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