Home Credit is headquartered in the Netherlands, but almost all of its business is in retail lending in emerging markets, including Russia, Vietnam, and China.

家庭信贷总部在荷兰，但是它的所有业务差不多都是在新兴市场的零售业借贷，包括俄罗斯，越南和中国。

youdao

Home Credit is the only purely foreign-owned player among the four.

捷信集团是四家中唯一一家全资外资控股公司。

youdao

Home Credit can draw on experience gained in Vietnam, where a two-year pilot scheme earned the company a full licence.

捷信集团能吸收在越南的经验，在那儿两年的试点计划获得了全部的公司许可。

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But the central bank chief warned that credit for home buying remains limited and dependent on government-supported programs.

VOA: special.2009.05.08

A second government program a tax credit for first-time home buyers has helped the housing market.

VOA: special.2009.11.06

Rich nations are expected to borrow heavily in world credit markets to finance spending at home.

VOA: special.2009.03.13

Other questions focused on domestic violence, the home credit market, and support payments to asylum seekers.

BBC: Peers: UK must not pay for Greece bail-out

Doorstep lending, or home credit as it is termed by the trade, is a counter-cyclical business: in a downturn, bad debts pile up, blackening credit histories.

ECONOMIST: New competition means doorstep lenders are in trouble

Provident Financial said it had a total of 1.8 million home credit customers, many of who, it said, found the loans "helpful to spread the cost of Christmas".

BBC: 'I often cry myself to sleep'