Your
creditworthiness is a crucial factor in determining your loan eligibility.
你的信用状况是决定你是否具备贷款资格的关键因素。
The bank assesses an individual's
creditworthiness before issuing a credit card.
银行在发行信用卡前会评估个人的信用资质。
Maintaining a good credit score is vital for establishing and preserving
creditworthiness.
保持良好的信用评分对于建立和维持信用资质至关重要。
A history of timely debt repayments significantly improves one's
creditworthiness.
按时偿还债务的历史记录能显著提高一个人的信用度。
Investors evaluate the
creditworthiness of bonds by reviewing their credit ratings from rating agencies like Moody's or Standard & Poor's.
投资者通过查阅穆迪或标准普尔等评级机构给出的债券信用评级来评估其信用资质。
Lenders rely on credit reports to gauge the
creditworthiness of potential borrowers.
借款人依赖信用报告来判断潜在借款人的信用资质。
A company's
creditworthiness can influence its ability to secure favorable terms on loans or lines of credit.
一个公司的信用资质会影响它获得有利贷款或信贷额度的能力。
The absence of a credit history may hinder a person's
creditworthiness assessment.
缺乏信用历史可能影响对一个人信用资质的评估。
In business,
creditworthiness is often evaluated based on financial statements, cash flow, and industry performance.
在商业领域，企业信用资质通常根据财务报表、现金流和行业表现进行评估。
Credit counseling can help individuals improve their
creditworthiness by providing guidance on managing debt and improving credit scores.
信用咨询可以帮助个人提供管理债务和提高信用评分方面的指导，从而提高他们的信用资质。
"Banks can assess big enterprises' creditworthiness and business performance using data such as information about their assets, but the case is different for small businesses," said Zhao.
Analysts believe the platform will help address the lack of records on personal online creditworthiness and improve the national credit-scoring system.
"We will make use of our alliances with other financial technology companies such as Zhima Credit, a unit of Alibaba subsidiary Ant Financial, to gauge the creditworthiness of our future tenants," said Xiong Lin, chief executive officer of Ziroom.
Such moves, though they can help mitigate risks triggered by the shrinking balance sheet of Russia's financial system, will add to expectations that Russian and Western credit systems will mutually damage each other's creditworthiness, and squeeze confidence of foreign investors in Russia in the next few years.
An unsecured loan does not require any collateral but is extended by lenders based on a borrower's creditworthiness.
"Companies should abide by the normal laws of enterprises development with a main purpose to improve product quality and offer better services, rather than doing things to undermine their creditworthiness.
He added that mobile apps have the technology to assess the creditworthiness of loan applicants within a few minutes and this has revolutionized the credit industry－especially for small entrepreneurs who had previously been locked out of formal financial channels.
Since the central government has the best creditworthiness, it can raise debt at the lowest interest rate.
To temper the pace at which the influence of the monetary system recedes, US economic and financial policies have showcased two pivotal orientations — maintaining its global technological supremacy and reducing external imbalances — in order to fortify the competitive edge and creditworthiness of the greenback worldwide.
In the future, the figure is still unlikely to witness significant and sustained shrinkage as the US will continue to increase fiscal deficits and utilize the exorbitant privilege to generate investment returns and mitigate the damage to the US dollar's creditworthiness caused by excessive trade deficits.
"As these (US agency) bonds have proved their creditworthiness time and time again and are considered close to risk-free, it pays to hold them for their higher yield," Hong said.
ICBC's branch in Ningde, Fujian province, has launched a fishery raft aquaculture loan product, using water area and intertidal aquaculture certificates, ocean usage leasing rights and fishery raft aquaculture facilities as collateral to enhance borrowers' creditworthiness.
Despite this, Moody's does not expect a significant deterioration in banks' creditworthiness because of substantial buffers that banks have built up in recent years, said the report.
China CITIC Bank Corp Ltd, a national joint-stock commercial lender, also launched a suite of digital loan products in accordance with the characteristics of MSEs, using big data analytics in supply chains to evaluate the performance and creditworthiness of small businesses, said Fang Heying, vice-chairman and president of the bank.
China CITIC Bank Corp, a national joint-stock commercial lender, also launched a suite of digital loan products in accordance with the characteristics of MSEs, using big data analytics in supply chains to evaluate the performance and creditworthiness of small businesses, said Fang Heying, vice-chairman and president of the bank.
Libor was widely blamed for the 2008 global financial crisis, as some banks manipulated the rate to misrepresent their creditworthiness by understating borrowing costs.
ABC also offered unsecured loans, which are issued and supported only by the borrowers' creditworthiness, to qualified rural households after verifying the list of sugarcane planters provided by the Yangpu Nanhua group.
Scandals related to Libor rose after the 2008 global financial crisis, as some banks manipulated the rate to misrepresent their creditworthiness by understating the borrowing costs.
"The stable outlook reflects our expectation that Hong Kong's strong economic and financial metrics will still allow the government's creditworthiness to withstand the fallout from prolonged social tensions and the COVID-19 pandemic over the next one to two years," it said.
Under the "one country, two systems" principle, Hong Kong enjoys autonomy in important institutional matters that affect the government's creditworthiness, including the ability to manage its own finances and set macroeconomic, financial and trade policies, it said.
Guo said that if the US Federal Reserve puts too much consideration on the "internal scenario" when making policies, it may hurt the global financial stability and lower the creditworthiness of the US dollar.
According to the ADB, recipients of ADB funds are divided into three groups according to their per capita income levels and creditworthiness.
The first is the creditworthiness of China as the world's second-largest economy; and the second is China's gold reserves.
Based on the creditworthiness of Zhejiang Rifa Textile Machinery Co, a manufacturer of spinning and weaving machines, CZBank granted lines of credit to Rifa's downstream small and medium clients to bridge the funding gap for their equipment purchases.
"It shows the level of creditworthiness of these smaller business owners.
Big data can also be used to evaluate individual citizens' creditworthiness, said Wan Cunzhi, director-general of the PBOC's Credit Information System Bureau.
Unlike previous issuances, the investors raised various questions about the bank's BRI related projects in terms of non-performing loan ratios, return on investment, geographical distribution and major directions of investment, rather than simply showing concern about the bank's creditworthiness and operating conditions.
Based on the creditworthiness of Zhejiang Rifa Textile Machinery, the bank granted lines of credit to downstream small and medium-sized clients of the textile manufacturer for spinning and weaving machines, bridging a funding gap for their equipment purchases.
Decisions on whether to grant these loans were based on companies' creditworthiness, and the cumulative loan volume exceeded 10 billion yuan.
"Overall, the rating incorporates the rating agency's assessment of AIIB's current and future creditworthiness as it continues to ramp up its operations over the next five to 10 years," Moody's said in the statement.
In response to this issue, Lexin has adopted a forward-looking approach by using a combination of big data and artificial intelligence to assess consumers' creditworthiness.
For Ant Financial, a risk management system called AlphaRisk monitors and assesses potential risks in real time, using data analytics to track creditworthiness evaluations, loan issuance and capital flow.
The sovereign creditworthiness in Asia-Pacific this year is expected to remain stable, Moody's Investors Service said on Thursday.
In Xinchang county in eastern Zhejiang, the majority of over 600 local private SMEs are considering intelligent transformations, but many have reservations about using unfamiliar intelligent manufacturing solutions provided by the local company Zhejiang Toman Intelligent Manufacturing Technology Co. At the same time, Toman has concerns about the creditworthiness of these small businesses, asking them to pay before providing its services.
The bank granted lines of credit to downstream SME clients of Zhejiang Rifa Textile Machinery Co, a spinning and weaving machinery manufacturer, based on Rifa's creditworthiness, to cover funding gaps on their equipment purchases.
Based on the creditworthiness of Zhejiang Rifa Textile Machinery Co, a textile manufacturer of spinning and weaving machines, CZBank granted lines of credit to downstream small and medium clients of Rifa to bridge the funding gap for their equipment purchases.
Zhima Credit is an opt-in feature in Alipay that analyzes a user's digital finance footprint and assess one's creditworthiness based on five gauges: identity, behavioral preferences, payback capabilities, social networks and credit history.
Using data generated by users via its related platforms, Zhima Credit ranks an individual's creditworthiness on a scale of 350 to 950.
"The creditworthiness of Chinese provincial governments should be even more closely tied with the sovereign's credit standing," said S&P Global Ratings' credit analyst Liu Xin.
Adopting the method of big data analytics, aiBank offers unsecured loans online to small business owners based on their creditworthiness without the use of property as collateral.
"Banks can assess big enterprises' creditworthiness and business performance using data such as information about their assets, but the case is different for small businesses," said Zhao Yanhui, president of fintech company Vzoom Credit.
"It is a creative business model, which is still under the supervision of the top financial regulator to make sure that potential financial risk from online financing could be controlled and it will help address the lack of records on personal online creditworthiness," said Zhou Hanhua, a researcher with the Institute of Law of the Chinese Academy of Social Sciences.
Analysts believe the platform will help address the lack of records on personal online creditworthiness and improve the country's credit-scoring system.
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