社会信贷环境不够理想；
社会地位低的人大量使用信贷，今天买，明天付钱。
People of a lower status use credit extensively to buy today and pay tomorrow.
低层社会的人大量使用信贷，今天购物，明日还钱。
People of a lower status employ credit extensively to buy now and pay later .
更为严重的是，商业银行信贷业务道德风险还会通过信贷业务对整个社会的利益产生负面作用。
What more serious is that, such moral risk will take negative effect to the interest of whole society.
银行业不良信贷资产是诱发社会金融风险的重要原因。
Banking bad credit assets are important reasons that bring out social financial risks.
银行业不良信贷资产是诱发社会金融风险的重要原因。
Banking bad credit assets are important reasons that bring out social financial risks.
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