因为银行没有任何关于你的商业贷款还款能力的历史依据可参考，也没有关于你个人是否有还款能力或还款意愿的私人记录可参考。

The bank has no business history to look at in order to evaluate your ability to repay the loan. It has no personal history about you to determine your ability or willingness to repay.

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有还款能力、又有人担保才能借到高利贷款。

Have reimbursement capacity, somebody assures ability lends usurious money.

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对于可调整利率贷款，市场利率提高可能导致借款人因月还款额增加、超出负担能力而被迫违约。

In terms of adjustable-rate loan, the rise of the market interest rate may force the debtor to default because the increment of monthly repayment exceeds the debtor's financial ability.

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