他们反映了Ratesetter严格的信用核查以及平台为防止借款者违约所设置的准备金。
They reflect Ratesetter's 'stringent credit checks' and the platform's Provision Fund, a pot of money available in case of borrower defaults.
福克斯先生解释说，“大量的人选择发薪日贷款，原因在于，很容易，而且借款人不做信用卡核查。”
“A lot of people opt for a payday loan because it’s easy and the lenders don’t run a credit check, ” explains Ms Fox.
2007年，华盛顿州引入了一项旨在让劳动力市场更公平的新法律：企业被禁止核查求职者的信用得分。
In 2007 the state of Washington introduced a new rule aimed at making the Labour market fairer: firms were banned from checking job applicants' credit scores.
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