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.

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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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英国希望保存它的大部分返还款，以作为欧盟保持农业补贴协议的条件。

Britain wants to keep the bulk of its rebate as compensation for the EU keeping the CAP.

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