信用卡的使用大大普及了，技术创新使得越来越多的消费者能够获得贷款，其中也包括次级借贷者。
Credit-card use expanded rapidly, and technological innovations gave more consumers access to credit, including subprime borrowers.
本文提出在我国高速公路建设领域应进一步推行代建制，并创新性地构建了高速公路建设市场的信用体系。
This paper contends the Agent System should be further implemented in China's highway construction area, and creatively builds a credit system of highway construction market.
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