求翻译：信用风险可以分为两种情况：一是借款人或债务人没有能力或者没有意愿履行还款义务而给债权人造成损失的可能性；另一个是指由于债务人信用等级或信贷资产 评级的下调、信贷利差的扩大导致资产的经济价值或者市值下降的可能性。前者主要着眼于贷款是否违约，成为违约风险；后者则强调信贷资产质量价值的潜在变化，所以通常称为信贷利差风险。是什么意思？

Credit risk can be divided into two situations: First, the borrower or debtor is unable or not willing to fulfill the repayment obligations and the possibility of losses to creditors; other is due to reduction in the debtor's credit rating or credit rating assets, credit and differential expansion o

Credit risk can be divided into two types: one is in borrower or debtor does not have the capacity or there is no will to carry out its obligations to creditors the possibility of damage; the other is the debtor's credit rating or credit rating of the assets, credit spreads in the expanding the econ

The credit risk may divide into two kind of situations: But one is the borrower or the debtor does not have ability or does not have the wish fulfillment also funds duty to cause the losses to the creditor the possibility; Another is refers because the debtor credit rank or the credit property ratin

Credit risks can be divided into two types: one is the borrower or debtor's inability or have no wish to meet repayment obligations and the possibility of loss to creditors; another is because the debtor's credit rating or credit rating downgrade, credit spreads widening economic value or the possib

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