信用风险

píng gū xìn yòng fēng xiǎn

评估信用风险

assess the credit risk

rú guǒ yín háng yǐ jīng rèn wéi nǐ yǒu xìn yòng fēng xiǎn nà me dǐ yā dài kuǎn jiù shì nǐ wéi yī de xuǎn zé le

如果银行已经认为你有信用风险，那么抵押贷款就是你唯一的选择了。

If you are already considered a credit risk by a bank, a secured loan might be your only alternative.