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.
这些能成立的关键因素是：甚至在借款者违约的情况下，投资者都能得到款项偿还的保证——最终转嫁到纳税人身上的保证。
The key to that success is the guarantee that investors will be repaid even if borrowers default - a promise ultimately backed by taxpayers.
这两个因素使得银行更不愿意出借- - -甚至对于有信用的借款人也不愿意出借。
Both those factors are making Banks less willing to lend-even to worthy borrowers.
一些这些因素的控制之下，借款人，有些是没有。
Some of these factors are under the control of the borrower and some are not.
但是，这些研究没有考虑产权、制度以及借款人素质等因素对信贷市场的影响和制约。
However, it does not take into consideration property rights, institution and the debtor's quality and other factors which influence and restrain the credit market.
这两个网站都关注潜在借款人的信用历史及其他因素，并对他们进行风险评分，再以此来决定贷款的利率。
Both sites look at potential borrowers' credit histories and other factors and assign them risk scores, which are then used to decide the interest rate of the loan.
结果表明，借款人的婚姻状况、职业稳定性、受教育程度以及年龄是深圳和哈尔滨消费信贷信用风险的共同重要影响因素；
The result shows that marriage, occupation, education and age are the common important impact factors of credit risk in Shenzhen and Harbin.
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.
单利的计算取决于所借款项或贷款的金额（本金），资金借用时间的长短及市场一般利率水平等因素。
The cost of borrowing, or the return on lending money. It is calculated on the amount borrowed or lent(the principal), the length of time the funds are borrowed for, …
《办法》要求贷款人严格进行贷后管理，确保掌握影响借款人偿债能力的风险因素。
The Measures require that lenders shall implement strict post-loan management and ensure to control the risky factors affecting lenders' repayment capability.
《办法》要求贷款人严格进行贷后管理，确保掌握影响借款人偿债能力的风险因素。
The Measures require that lenders shall implement strict post-loan management and ensure to control the risky factors affecting lenders' repayment capability.
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