Microfinance's reliance on peer pressure for repayment must be the envy of any mainstream banker struggling with rising foreclosures and "jingle mail".
小额贷款依赖于同行的压力来偿还贷款，这一定会让任何主流银行家羡慕不已，因为他们正在与越来越多的止赎和“叮当邮件”作斗争。
In the current housing slump many American homeowners have resorted to "jingle mail", dropping their keys through the lender's letterbox and walking away from their property.
在如今美国房产市场衰退的情况之下，许多房主采用一种非常简单的方式：将房屋的钥匙投入出借人的信箱之中，然后离开他们的房产。
And microfinance’s reliance on peer pressure for repayment must be the envy of any mainstream banker struggling with rising foreclosures and “jingle mail”; delinquency rates are microscopic.
另外，微型金融依靠的是竞相还贷的趋同心理，这也必定让主流银行家们眼红，因为他们要疲于应付日渐增多的抵押贷款违约(表现为日益上升的止赎率[注4]和越来越多的寄钥匙的包裹[注5])，而微型金融的违约率微乎其微。
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