住房价格波动率和贷款房价比越大，住房贷款违约率越大；
The larger the house price fluctuation ratio and loan to house value ratio are, the higher of the default rate;
帕帕·德莫斯说，欧洲央行的数据考虑到了这些差异，还有贷款违约率上的差异。
Papademos said the ECB's figures account for those differences, as well as for how euro-zone loan default rates differ from those in the U.S..
当前，国家助学贷款违约率高以致银行风险大——银行惜贷严重已不容忽视。
High default rate of state-assisted loans for college students results in high risk of banks- "credit grudging" of banks is a hot topic discussed by international society now.
如果人们和企业预计到价格将要下跌，会停止消费，需求从而会下降，贷款违约率会上升。
If people and firms expect prices to fall, they stop spending, and as demand sinks, loan defaults rise.
美国房屋抵押贷款违约率依旧在上升：第一季度的季节性调整利率仍然是所有类别中较高的。
Delinquencies on American mortgage loans are still rising: the seasonally adjusted rate in the first quarter was higher across all categories.
事实证明，这个世界上很多穷人的贷款违约率居然低于当初雷曼兄弟推销的优质资产的违约率，这真是一种讽刺。
Ironic, then, that many of the world's poor are better credit risks than the once-high-flyers at Lehman Brothers.
这种贷款违约率的不断升高，首先表现为次债问题，之后便引发了一连串的连锁反应，其影响至今仍在不断扩散。
The rise in defaults on such loans, first on subprime mortgages, triggered a chain of reactions whose consequences are still unfolding now.
商业抵押担保贷款违约率升高连同不良建筑业贷款一起，可能将造成美国银行在商业物业上损失两千到两千三百亿美元。
Together with bad construction loans, that could push the losses of American banks on commercial property to $200 billion-230 billion.
信贷泡沫是另一个担忧。巴西、俄罗斯、印度和中国等新兴市场大国的信贷规模都在迅速扩大。巴西的贷款违约率近来有所上升。
Credit bubbles are another concern. Credit is rising rapidly in the big emerging-market countries-Brazil, Russia, India and China. Lately, loan-default rates have ticked up in Brazil.
贷款利息的增加、违约率的上升以及不良债务的进一步增多，会减少、甚至可能完全抵消通胀的有利影响。
The benefit would be reduced, or possibly eliminated, by higher interest rates payable on loans, higher default rates and a further increase in bad debts.
随着非正规贷款公司违约率的提高，存款可能会回流至中资银行。
As the default rate for informal lending vehicles rises, deposits may return to the Banks.
另外，微型金融依靠的是竞相还贷的趋同心理，这也必定让主流银行家们眼红，因为他们要疲于应付日渐增多的抵押贷款违约(表现为日益上升的止赎率[注4]和越来越多的寄钥匙的包裹[注5])，而微型金融的违约率微乎其微。
And microfinance’s reliance on peer pressure for repayment must be the envy of any mainstream banker struggling with rising foreclosures and “jingle mail”; delinquency rates are microscopic.
但随着抵押贷款违约人数上升及失业率趋近7%，美国的消费者面临选择无几，不得不开始节俭储蓄。
But with mortgage delinquencies surging and the unemployment rate headed towards 7%, American consumers may have little choice but to start saving.
次级和简易型贷款的债务人不均的信用记录使得很难用模型精确算出违约率。
The patchy credit histories of subprime and low-documentation borrowers made it hard to model default rates accurately.
在斯托克顿城，失业率已经达到17%，在市郊一个叫作威斯顿牧场的社区，几乎三分之一房主的抵押贷款处于欠款违约中。
In the city of Stockton, unemployment has reached 17 percent, and in a neighborhood on the outskirts of town, called Weston Ranch, almost one-third of homeowners are in default on their mortgage.
虽然公立大学贷款的违约率更高，但是私立学校的违约率增速更快。
Although state borrowers default at a higher rate, the private school default rate is growing at a much faster pace.
FHA担保的抵押贷款，8月份违约率已经从一年前的5.7%上升至8.1%。
The default rate on FHA-insured mortgages was already running at 8.1% in August, up from 5.7% a year ago.
果真如此的话，那么CapitalOne等公司的收益预计将大幅上升，因为较低的违约率可以减轻信用卡贷款发放公司在提取贷款损失准备金方面的压力。
If so, firms like Capital One could look forward to sharply higher earnings as lower defaults would allow lenders to ease off on the expense of building their loan-loss reserves.
实际贷款损失如果大大超过预计的违约损失率会导致银行的自有资本严重损耗。
Large actual loan loss exceeding the estimated LGD could lead to a serious depletion of bank's equity capital.
并且借款人文化程度越低，工作稳定性差，贷款金额越大，期限越长违约率也就越高。
Moreover, the lower the education level, the less stable employment, the more mortgage sum, the longer mortgage period, the higher violation rate.
汽车贷款行业最近经历了不断升高的违约率，现在已经是50%了，百分之五十，想想！
The auto loan industry recently is experiencing an increasing default rate, which is almost 50%.
信贷危机期间，这一业务的违约率过高，借款人和贷款人都对其失去了兴趣。
The business was marred by high default rates that went stratospheric during the credit crisis, and borrowers lost interest - in both senses of the word.
如果失业率继续上升，将出现更多贷款违约，给银行资产负债表造成沉重压力。
A further rise would lead to more loan defaults, adding to the substantial pressure on bank balance sheets.
违约率飞速上升，对于次级抵押贷款的估值也失效了，这还导致了整个金融系统的混乱。
Default rates are shooting up and valuation of securitized subprime mortgages have crashed and it's throwing turmoil all over the financial community.
这些模型都让使用者能通过估测数据推算小企业贷款的违约率。
Both of these models allow users to project default frequency for small business loans based on a validated data set.
Prosper全球机构销售主管Ron Suber说，在2007年，贷款的流程方式不同，从前导致高违约率的审批做法现在已经改善。
Prosper's head of global institutional sales, Ron Suber, says that in 2007, the loan process worked differently and that the vetting practices that led to high default rates have now been improved.
Prosper全球机构销售主管Ron Suber说，在2007年，贷款的流程方式不同，从前导致高违约率的审批做法现在已经改善。
Prosper's head of global institutional sales, Ron Suber, says that in 2007, the loan process worked differently and that the vetting practices that led to high default rates have now been improved.
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