次级按揭贷款是对合理的贷款标准的全盘放弃，具有不良信用特征的借款人获得了难以偿还的按揭贷款。
This lending was a wholesale abandonment of reasonable lending practices in which borrowers with poor credit characteristics got mortgages they were ill-equipped to handle.
对单项金额不重大的金融资产，可以单独进行减值测试，或包括在具有类似信用风险特征的金融资产组合中进行减值测试。
No significant amount of individual financial assets, could pay separately for testing, or a similar credit risk characteristics included in the portfolio of financial assets for loss testing.
然后，分析了信用卡运作体系的网络外延性等特征以及三项主要原则。
Then it analyzes the network externalities of structure and its three principle rules.
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