它是受信人承诺事后按约定期限和其它条件还款而先行获取授信人商品和服务的一种经济关系。
It is an economic relation which credit receiver promises to return money afterwards according to certain conditions but gets goods and service first.
计算机技术使债权人可以使用标准化的信用评分方法；来自证券化的风险分摊，也使得向资信较差的借款人授信变得更安全。
Computers enabled lenders to use standardised credit scores, and the risk-spreading from securitisation made it safer to lend to less creditworthy borrowers.
接收人：在RDFI的帮助下，给发起人授信或授权其在交易账户中进行记入借方操作的个人、司或其他实体。
Receiver: an individual, corporation or other entity who has authorized an Originator to initiate a credit or debit entry to a transaction account held at an RDFI.
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