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.
互联网巨头阿里巴巴、腾讯和百度正在研发以用户的线上交易和搜索历史记录为基础的信用评分系统。
The internet giants Alibaba, Tencent and Baidu are developing credit scoring systems based on users' online transactions and search histories.
如果信用卡没有通过风险评估或申请者金融历史记录被封，我们不能处理到下一步。
If the credit is not risk evaluated and its applier's financial history checked, we cannot proceed to the next step.
如果信用卡没有通过风险评估或申请者金融历史记录被封，我们不能处理到下一步。
If the credit is not risk evaluated and its applier's financial history checked, we cannot proceed to the next step.
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