... unformulated 未用公式表示的 未系统地阐述的 unforthcoming 不愿响应的 unfortified 未设防的 ...
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ADJ not inclined to talk about something 不愿谈的
she was unforthcoming about her past
He was very unforthcoming about what had happened.
他对发生的事守口如瓶。
《牛津词典》
And when demand does pick up, there is a real risk that lenders will remain unforthcoming.
当需求增加时，贷方仍旧不配合的风险确实存在。
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