However, the drop of default rate is the essential requirement, but not the adequate requirement.
尽管如此,违约率降低到一定程度仅是信贷行为出现的必要条件,而不是充分条件。
·2,447,543篇论文数据，部分数据来源于NoteExpress
The overall default rate is a mere 0.3%.
总的违约率仅0.3%。
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That compares with a peak five-year default rate of 45% during the 1930s.
这与20世纪30年代，五年最高违约率45%形成对照。
That translates into a default rate over the past 12 months of just 3.8%.
这意味着过去12个月拖欠债务的比率正好是3.8%。
Another follow-up question is: how does this default rate compare to the historical rate of default?
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Hong Kong now has the highest default rate on outstanding credit-card debt in the world.
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So we really are into triple digit interest rates just to cover the default rate alone.
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