Over the past 25 years, average reported charge-off rates are roughly 4.5%.
在过去的25年中，根据报道平均坏账率大约为4.5%。
The net relationship between these two variables has never been such that charge-off rates exceed interest rates, and, in a normalized environment, will range anywhere from 6% to 12%.
这两个变量的净差从来没有出现过坏账率超过利率的情况，而且在正常情况下，这一净差将一直在6%-12%的范围内。
From these graphs, a few things are apparent. First, overall charge-off rates have decreased sharply each year, with the 2013 vintage proving to be very low risk thus far in its tenure.
图标数据表明以下几个方面问题：首先，总体贷款冲销率每年都在大幅下降，2013年结果证明贷款期限内的风险已经降至极低；
And if borrowers are using their loans to pay off other loans that charge higher interest rates, "this is not necessarily a bad thing".quite.
而且即使借贷者是用贷款来偿还利率更高的贷款的话也未尝是件坏事。
The highest reported charge-off in a single quarter was 10.97% in Q2 of 2010 - a time when unemployment rates were also historically high (between 9-10% throughout 2010).
根据报道单季最高的坏账率在2010年第二季度达到10.97%，当时失业率也达到历史最高(2010年全年都在9%- 10%之间)。
There are rises in both the charge-off and delinquency rates, which measure the share of balances that are uncollectable or more than 30 days late respectively.
损耗率和逾期债款率都上升了，这两个数据分别代表收不回来的收支差额的份额和晚了30天的份额。
There are rises in both the charge-off and delinquency rates, which measure the share of balances that are uncollectable or more than 30 days late respectively.
损耗率和逾期债款率都上升了，这两个数据分别代表收不回来的收支差额的份额和晚了30天的份额。
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