至少，这是市场的看法，这是根据如果借款人违约而需要支付的信用违约掉期的价格而得出的结论（见图表）。

That at any rate is the market view, according to the price of a credit-default swap which pays out if the borrower defaults (see chart).

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但报告结论指出，信用及贫困与社会问题的处理等几个关键领域仍需要进一步改进。

But it concludes that further improvements are needed in several key areas, including the treatment of fiduciary and poverty and social aspects.

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在论文的结论部分，提出企业信用管理研究是一个新课题，政策-流程-工具企业信用管理框架需要在企业的实践过程中得到修正和完善。

In the part of conclusion, Policy-Process-Tool credit management framework still needs to be continuously improved in the practice of corporate credit management.

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