他们找到了支持这个观点的两大负面因素：一是失业，二是很多借款人利用物业套现贷款来偿还高利率信用卡贷款的能力大大降低。
Two big negatives were identified: Job losses and, for many borrowers, a sharply reduced ability to use home-equity loans to pay off more expensive card balances.
这里“有效回收”指在规定期限内借款人有能力偿还的贷款都能回收上来。
Over here, effective recovery indicates that the loans could be recovered from the borrowers who have capabilities to repay the loan under regulated term.
但是，我们发现对于优质和超优质的借款人，FICO会让我们更准确地了解他们的偿还能力。
But we found that, for our prime and super prime borrowers, FICOwould give us a much more accurate picture of their ability to repay.
应用推荐