poor credit history 不良贷款历史
A "subprime borrower" is somebody who has a poor credit history or some other indication that would suggest that they might not be able to repay the mortgage.
“次级借款人”指的是，那些信用记录较差的借款人，或在其他方面显示，他们很可能无力偿还贷款。
That became painfully evident this year after American finance companies lent to needy borrowers with poor credit records in the “subprime” mortgage market.
这一点在今年美国金融公司在按揭市场借款给信用记录差的借款人后变的很明显。
A few years ago, Banks and other lenders seemed indifferent to risk, as they doled out loans to people with dubious incomes and poor credit records.
一些年前，银行和其他贷款者对风险漠不关心，他们掏钱给收入不稳定、信用记录差的人。
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