没有信用,我们所谈到的企业几乎无法生存
Without credit business as we know it would be almost impossible
银行不想把钱借给那些没有信用记录或者没有长期居住证明的人。
Banks were unwilling to lend money to people without credit histories or proof of permanent residence.
在西班牙,如果你比较贫穷而且没有信用评级,那么你得到抵押贷款会比租赁一套公寓容易。
In Spain, if you are poor and have no credit rating, it is easier for you to obtain a mortgage than to rent an apartment.
Well, it wouldn't have been automobile loans when these were created; I don't know, something loans, etc.
信用合作社成立之初大概还没有汽车贷款,反正诸如此类贷款吧
They are borrowers that are thought, by the various models, to be likely to fail to pay on their mortgage and to have to be foreclosed; often low income, but also they're people with poor credit histories.
通过一些模型的计算,这些借款人,很有可能无法偿付贷款,抵押房产会被贷款人收回,借款人通常属于低收入人群,而且这些人没有很好的信用记录
I don't have the latest data -this is from 1998 -but there were 11,000 credit unions -that's the number of credit unions in the United States in 1998 -and there were only 9,000 commercial banks; that's the number of banks.
我手上没有最新的数据,这个是1998年的,共有11000个信用合作社,这是1998年全美信用合作社的数量,与此同时,商业银行只有9000家,这是银行的数量
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