美联储的信用报告覆盖信用卡借款，汽车贷款和其他不涉及担保的不动产贷款。
The Fed's credit report covers credit card debt, auto loans and other debt not secured by real estate.
也就是说着没有人能够套利因为没人能够无担保借贷，没有人具备担保资质，并且没人愿意放贷，因为套利涉及到借贷两个方面。
This must mean that no one can arbitrage because no one can borrow uncollateralised, no one has spare collateral, and no one is willing to lend –arbitrage involves both borrowing and lending.
越南曾经也迟疑地涉及过信贷担保基金，主要是各省提供担保，收效甚微。
Vietnam has hesitantly dabbled in credit-guarantee funds in the past, primarily at the provincial level, with scant success.
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