Morgan Stanley is, by contrast, an also-ran in fixed income, a crucial area these days that includes credit, commodities and rates.
相较之下，在固定收益方面摩根斯坦利是一个失败者，目前这一关键领域包括信贷、商品及税率。
Rules governing the fixed income securities that banks and institutional investors can hold, and in what amounts, rely on credit ratings.
规定银行及机构投资者可持有以及持有多少固定收益证券的法规条例依赖于相应证券的信用评级。
Two-thirds of mortgage borrowers enjoy good credit and a fixed interest rate and can depend on the value of their houses remaining far higher than their borrowings.
三分之二的抵押贷款的借款人有良好的信用记录和固定的利率，他们拥有的房产价值远高于他们的借款。
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