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%。

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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。

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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；

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As the US economy gradually recovers from economic downturn, the industry is witnessing a decline in charge-off rates.

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Hence, the charge-off rates determine the overall profits for any credit card issuer.

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Charge-off rates, the value of loans removed from a company's books and charged against loss reserves, are not necessarily the best indication of lender performance.

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