现金流分析则包括环境分析、违约率和回收率预测、信用提升水平估计和压力测试。
The cash flow analysis mainly includes environments observation, EDF, recovery rates forecast, the estimation of credit enhancement and stress tests.
尽管在1998年信用危机后其风险管理的水平已经得到提升，投资银行还是为他们现在的不透明性付出了代价。
Investment Banks are now paying for that opacity, even though their management of risk has improved since the last credit crisis in 1998.
一旦没有了贷款，你的信用记录很可能会提升。
Once your loans are gone, your credit score will likely improve.
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