论文分四个部分逐步深入递进的介绍消费者信用法。
The paper is made up by four parts which gradually and deep-going introduce consumer credit laws.
正如消费者信用报道一样，信用文件和商业评估报告也一样重要。
As with consumer credit reports, the depth of the credit file is equally important in evaluating the business reports.
美国的消费者信用贷款总额已经连续十个月下降，下跌时间和幅度都刷新了历史记录。
Consumer credit in America has fallen for ten consecutive months, the largest and longest drop on record.
仅在宏观层面上对金融机构的监管是不够的，微观上消费者信用和产品营销同时需要得到监管。
It is not enough to regulate financial institutions at a macro-level. Micro consumer credit has to be regulated as well, along with product marketing.
但是在大力发展消费者信用的同时，未认识到消费者信用制度的构建与完善才是促进消费者信用的关键。
But developing consumer credit energetically, we have not known how to build consumer credit system is important to promote consumer credit really.
通过对住房消费者信用指标的设置、各指标的权重和评分标准的确定，为商业银行决定住房抵押贷款提供决策依据。
Through setting up housing consumer credit norms, defining proportion and mark standard, provides decision basis for commercial bank decided housing mortgage loan.
美国最大的信用卡发行商美国运通(American Express)宣布其第二季度利润同比翻三倍，原因是消费者信用卡开支增加，借款人拖欠减少。
American Express co., the biggest credit-card issuer by purchases, said second-quarter profit tripled as consumers spent more and fewer borrowers defaulted.
公司贷款和部分消费者信贷，例如信用卡和汽车贷款，都不稳定。
Corporate lending and parts of consumer credit, such as credit cards and car loans, are wobbly.
货物组件将会在信用包中，该包导入CRM(消费者关系管理)来使用普通服务数据(消息)定义。
The Invoicer component will be in the credit package that imports the CRM (customer relationship management) package to use the common service data (message) definitions.
2008年第四季度，全球汽车销量大幅缩水。对于这一如此依赖信用和消费者信心的产业来说，前途将如何？
Car sales around the world dried up in the last quarter of 2008. What are the prospects for an industry so reliant on credit and consumer confidence?
消费者被信用缺乏所重击，部分原因是作为贷款抵押保证的房地产价格大幅下降了。
Consumers are hardest hit by the dearth of credit partly because the value of the homes used as security for loans has plummeted.
拥有这些资产的银行正在限制信用，让商家和消费者更难取得贷款。
Banks holding these assets are restricting credit, making it harder for businesses and consumers to get loans.
最初成本的计算可能被用来检验消费者有足够的信用或者仍然想要定购产品。
The initial price calculation may be used to verify that the customer has sufficient credit or still wants to purchase the products.
巴克莱的潘德尔说，劳动力市场疲软将使消费者和企业信用下降，并导致金融机构更加不愿放贷。
'a weak labor market makes consumers and businesses even less creditworthy and causes lenders to pull back even further,' says Barclay's Mr. Pandl.
消费者正在通过黑莓手机订阅了信用报告，而这会让这些重要的信息处于危险之中。“他称。”
"Consumers are ordering credit reports from their Blackberrys, which puts valuable information at risk," he said.
没有银行账户的消费者，也可以通过把信用额度转到预付卡中以便购物。
For people without bank accounts, the credit can be converted into pre-paid cards which can then be used to buy things.
据完全策略研究公司的咨询师ianHarnett说，对于消费者和公司而言，欧洲的信用额度正处于2003年以来的最低点。
According to Ian Harnett of Absolute Strategy Research, a consultancy, the availability of credit in Europe for both consumers and companies is now at its lowest level since 2003.
对于消费者顾客，验证信用卡。
当然，最重要的是该公司必须保证能对消费者的个人资料和信用卡号码保密。
Of course, it is essential that the firm can guarantee the security of personal information and credit card numbers.
超过三分之一的消费者选择一家信用卡而不是另一家是因为该发卡行有较低的入门利率。
More than a third of consumers pick one credit card over another based on which issuer has the lowest introductory interest rate.
首先是现金，然后信用卡，而现在，所有消费者需要的是一部智能手机。
First there was cash...... then credit...... and now, all consumers will need is a smart phone.
一个园艺所用树桩的生产商正在使用这种塑料，并且它可以用来制作信用卡或消费者装货物的容器。
A manufacturer of gardening stakes is using the plastic and it can be used for credit CARDS or containers of consumer products.
《消费者研究期刊》的一项研究发现，在杂货店用现金代替信用卡进行支付会使消费更加谨慎，有利于消费者做出更加健康的食物选择。
Paying with cash instead of plastic at the grocery store leads to more careful spending and healthier food choices, a study in the Journal of Consumer Research finds.
假设，美联储不管其利率，商业银行的首要贷款利率，在消费者贷款和固定信用卡上利用固定利率将保持在3.25%。
Assuming the Fed leaves rates alone, commercial Banks' prime lending rate, used to peg rates on certain credit CARDS and consumer loans, will stay about 3.25%.
一半的受访消费者能区分不同的信用卡公司。
Half of responding consumers differentiate between credit card companies.
信用等级不够的消费者借钱卖车越来越难，不管是新车还是二手的。
Buyers with below average credit ratings found it increasingly hard to borrow to buy cars, new or used.
就像一个拥有多张低利率信用卡、挥霍惯了的消费者，意大利习惯了一缺钱就要求提高信贷额度。
Like a profligate spending consumer with several low-interest credit CARDS, Italy just kept requesting larger and larger credit line increases when it needed quick cash.
净值的增长大部分源自于家庭债务的下降，原因是越来越多财务紧张的消费者在房贷或信用卡债务上违约。
A large chunk of the increase in net worth came from a drop in household debt, as an increasing number of financially stretched consumers defaulted on mortgage and credit-card debts.
净值的增长大部分源自于家庭债务的下降，原因是越来越多财务紧张的消费者在房贷或信用卡债务上违约。
A large chunk of the increase in net worth came from a drop in household debt, as an increasing number of financially stretched consumers defaulted on mortgage and credit-card debts.
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