联邦储备银行想让各家银行继续贷款给信用良好的借款人。
The Fed wants banks to continue to lend to creditworthy borrowers.
他积欠了数千元的信用卡借款。
“次级借款人”指的是，那些信用记录较差的借款人，或在其他方面显示，他们很可能无力偿还贷款。
A "subprime borrower" is somebody who has a poor credit history or some other indication that would suggest that they might not be able to repay the mortgage.
国家确实要比个人拥有大得多的信用额度，但是国家的借款能力还是有一个上限的。
Countries do have a much bigger credit limit than individuals but there is still a cap on their borrowing capacity.
最近的麻烦点在一个被称为信用违约互换的领域，这是让企业交易在借款是否会违约上面打赌的私人契约。
The latest trouble spot is an area called credit-default swaps, which are private contracts that let firms trade bets on whether a borrower is going to default.
人们更担心的是借款的信用条件变得严格。
CBA的发言人称信用等级降低意味着借款风险的上升，这样借贷利率提高也就顺理成章。
Fallingcredit is a sign of a riskier borrower, says a spokeswoman for the CBA, whichwarrants higher rates.
放贷成本增加使得房贷公司不堪重负，它们急切地挖掘新的收入来源，并且找到了两个：信用更差的借款人和风险更高的借贷产品。
Saddled with expensive lending platforms, mortgage-writers were desperate for a new source of revenues. They found two: riskier borrowers and riskier products.
房贷市场真正异常活跃的是次优房产抵押贷款（subprimelending），一种以高于普通利率贷给那些信用记录较差的借款人的房产抵押贷款。
What has set pulses racing is subprime lending—mortgages extended at higher than normal rates to those with weak credit histories.
假设美国前五大投资银行会支付不含隐性担保的信用借款的2%。
Assume that America's top five investment Banks would pay two percentage points more on unsecured borrowings without an implicit guarantee.
在当前的经济衰退期，很多借款人，优先还信用卡和汽车的贷款，而不是房屋的贷款。
In the current recession some borrowers have given priority to their credit-card and car loans rather than their mortgages.
次级借款人“指的是，那些信用记录较差的借款人，或在其他方面显示，他们很可能无力偿还贷款，也就是说他们很可能违约。”
A "Subprime borrower" is somebody who has a poor credit history or some other indication that would suggest that they might not be able to repay the mortgage — they might default.
只要那些危险的借款人能够轻易地获得信用，他们就没有破产之虞，从而看起来不那么危险。
When risky borrowers find it easy to get credit, they are less likely to go bust, which makes them appear less risky.
至少，这是市场的看法，这是根据如果借款人违约而需要支付的信用违约掉期的价格而得出的结论（见图表）。
That at any rate is the market view, according to the price of a credit-default swap which pays out if the borrower defaults (see chart).
三分之二的抵押贷款的借款人有良好的信用记录和固定的利率，他们拥有的房产价值远高于他们的借款。
Two-thirds of mortgage borrowers enjoy good credit and a fixed interest rate and can depend on the value of their houses remaining far higher than their borrowings.
在这个条例产生效果以前，许多人还贷顺序是抵押贷款第一，信用卡第二。现在，许多借款人已经调转了这个顺序。
Before this regulation took effect, many people's priorities would have been mortgage first, credit card second; now, many borrowers have reversed the order.
这一点在今年美国金融公司在按揭市场借款给信用记录差的借款人后变的很明显。
That became painfully evident this year after American finance companies lent to needy borrowers with poor credit records in the “subprime” mortgage market.
华尔街的金融炼金术已不再灵光，银行家们新近关注的是借款人的信用资质问题。
Wall Street's financial alchemy has broken down, and bankers are freshly concerned about the creditworthiness of their borrowers.
借款者这才认识到，信用就像氧气。
这个规则规定如果借款人的信用评分小于 200，贷款申请就会被拒绝。
The rule specifies that if the borrower's credit score is less than 200, the loan application is rejected.
然而可惜的是，所有的出借人都争着支持小型小额信贷机构去满足那些信用最高的借款人。
So it is a pity that all these lenders are competing to support the same, small group of microfinance institutions that cater to the most creditworthy borrowers.
是时候通过降低需求和收紧借款标准：未用的信用贷款之最高额度在第一季度剧跌了30%。
That's due both to lower demand and tighter lending standards: unused lines of credit fell by a dramatic 30% in the first quarter.
总而言之，许多美国人借了那么多他们根本无力偿还的债务，迅速上升的信用卡账单和依靠房屋价值的借款。
Through it all, a lot of ordinary Americans borrowed a lot more money then they could afford to pay back, running up enormous credit card bills and borrowing against the value of their homes.
与此相似的是，借款者在信用卡上的花费比他们意识到的更多。
Similarly, credit CARDS are costing borrowers more right now than they may realize.
其他人认为金融市场紧张及风险的扩大抵消了放松借款人信用成本的政策作用。
Others noted that financial market strains and elevated risk spreads had offset much of the effects of policy easing on the cost of credit to borrowers.
美联储将继续与银行合作，帮助符合信用借款人获得他们需要的资金。
The Federal Reserve will continue to work with Banks to improve the access of creditworthy borrowers to the credit they need.
这些借款人的平均FICO信用评分是775分，从而就确保了借款人的良好信誉。
The average FICO credit score is 775, which makes the borrowers beacons of creditworthiness.
福克斯先生解释说，“大量的人选择发薪日贷款，原因在于，很容易，而且借款人不做信用卡核查。”
“A lot of people opt for a payday loan because it’s easy and the lenders don’t run a credit check, ” explains Ms Fox.
福克斯先生解释说，“大量的人选择发薪日贷款，原因在于，很容易，而且借款人不做信用卡核查。”
“A lot of people opt for a payday loan because it’s easy and the lenders don’t run a credit check, ” explains Ms Fox.
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