Interestingly, bankers frequently consider three factors in assessing how risky a loan might be: (1) the character of the person requesting the loan, (2) his ability to repay, and (3) the conditions prevailing in his line of business.
흥미롭게도, 은행가들은 대부 위험도를 평가할 때 흔히 세 가지 요소, 즉 (1) 대부 신청자의 특성, (2) 상환 능력, (3) 전반적인 사업 조건을 고려한다.jw2019 jw2019