a calculation of how likely it is that a person or company will not be able to pay back money they have borrowed from a bank or other organization

The system assesses the credit risk of new borrowers. 系统对新借款者的信贷风险进行评估。

corporate bonds with little credit risk/efforts to reduce credit risk 无法还贷风险低的公司债券/致力降低无法还贷风险的公司债券

If a person or an organization is a credit risk, it is likely that they may not be able to pay back money that they have borrowed from a bank or other organization.

Even if you are considered a bad credit risk, there are still a few options available to you for borrowing money. 即便你被认定无法还贷的风险较高，还是有几种借钱的方式可供你选择。