信贷价值包括许多可变因素。其中包括还款习惯，当前拥有的无条件贷款信用额度，贷款收入比率以及信用历史。

Credit worthiness includes many variables, including repayment habits; the number of open credit facilities a person currently has, debt to income ratio and credit history.

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存货抵押贷款中，信用风险主要来源于抵押物价格和流动性风险，信贷人确定适当的利率和贷款价值比能够有效缓释信用风险。

Determining certain interest rate and loan to value ratio (LTV) can make creditors mitigate credit risk, which comes from the price risk and liquidity risk of collateral in inventory pledge loan.

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