The bank will determine if a potential borrower is a good/bad credit risk. 银行将确定一个潜在的借贷人是否存在良好的/不良的信用风险。If you are already considered a credit risk by a bank, a secured loan might be your only alternative.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。The directors will have to assess our credit risk.董事们会评估我们的信用风险。