他们当中的很大一部分是行业中所称的‘资浅贷款人’，他们只有短短几年的信用史。
A large portion of them are what the industry typically calls' thin file 'borrowers - people with just a few years of credit history.
如果一个人的信用史很长，而且信用记录非常良好，那么教育程度便不那么重要了，因为他已经证明了他的信用。
If you have a long and robust credit history, the educational variables tend to matter much less - you've proven you're a good risk.
如果一个人没有信用史或信用史很短，那么他的受教育程度就变得非常重要，因为我们可以通过教育程度评估借款人偿还贷款的可能性。
If you have little or no credit history, the educational variables matter a lot, because they help us understand your ability to repay the loan.
史诺德写过“靠信用卡和贷款度日是不会变成富翁的。”
"Living on credit CARDS and loans won't make you rich," writes Schroeder.
史密特先生，你一定知道，不可撤销的信用证给出口商增加了银行的担保。
Well, Mr Schmidt, you must be aware that an irrevocable letter of credit gives the exporter the additional protection of the banker's guarantee.
史密特先生，你一定知道，不可撤消的信用证给出口商增加了银行的担保。
Well, Mr Schmidt, you must be aware that an irrevocable letter of credit gives the exporter the additional protection of the banker's guarantee.
史诺德写过“靠信用卡和贷款度日是不会变成富翁的。”当然，用点儿小技巧是可以帮你买个房子、或者一辆新车，但是过多的借贷却会打破你的财政平衡。
"Living on credit CARDS loans won't make you rich," writes schroeder. sure, leverage can get you into a home a new car, but too much debt is one of the biggest drags on your financial well-being.
史诺德写过“靠信用卡和贷款度日是不会变成富翁的。”当然，用点儿小技巧是可以帮你买个房子、或者一辆新车，但是过多的借贷却会打破你的财政平衡。
"Living on credit CARDS loans won't make you rich," writes schroeder. sure, leverage can get you into a home a new car, but too much debt is one of the biggest drags on your financial well-being.
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