信贷记录

把钱借给信贷记录不良的人总是最危险的。

SERVING borrowers with patchy credit histories has never been more perilous .

这些人大多数没有信贷记录，其中许多人甚至从未开过银行账户。

Most of these people lack a credit history and many have never opened a bank account .

其网站称，他们为无固定职业、信贷记录不良和收入不稳定的人提供按揭贷款。

Its website states that it offers mortgages to people with irregular employment , poor credit history and variable income .

事实上，由于雅芳公司的大多数客户都没有正式的信贷记录或者收入，这使得该公司更容易通过信贷审查。

The company 's credit checks have been eased to allow for the fact that few customers have any formal credit history or income .

但是抵押的情况就不同了。首先，当银行向外部投资者出售一组抵押贷款时，他们几乎从不披露个别借款人的名称和信贷记录。

For one thing , when banks sold bundles of mortgage loans to outside investors , they almost never revealed the names and credit histories of the individual borrowers .

以美国为例，申请信用卡便先要有信贷记录，可供信贷机构广泛参考。

In the United states , for example , you need a credit history , which is widely shared among credit providers , before you can obtain a credit card .

这个问题的起源可以追溯到美国。在美国信贷记录都很差的人们都实行抵押贷款，可是他们又都无法还款。

The beginnings of this problem can be traced back to America , where people with a poor credit history were allowed to take out mortgages , which they were unable to repay .

美国银行系统危机主要是在向有不良信贷记录的购房者提供次级放贷后开始的，由于利率上涨，房地产价格下跌，其中很多购房者正在艰难地偿付他们所欠的债务。

The banking system crisis in the U.S. largely began after subprime mortgages were made to homebuyers with poor credit records . Many of them now are struggling to pay their debts because interest rates rose and property values fell .

70%的雇员会查阅求职者的信贷历史记录。

Seventy percent of employers look at the credit histories of job candidates .

第三，我们所有的非信贷业务记录我们的业绩作出积极贡献。

And third , all of our non-credit businesses recorded positive contributions to our results .

商业信贷资料服务机构可提供有关中小企的整体负债及信贷记录的可靠及可予查证资料，让银行可以更有效地进行信贷评估。

It can provide an auditable source of information about the overall indebtedness and credit history of SMEs to allow better credit assessment by banks .