Today, withthedevelopmentofInternet, manytraditionalwaysoflifehavebeenchanged, especiallythewaytopayforpurchase. Therecordofcreditoccupiesimportantroleforeverybody, andtheyneedgoodcredittogetloan, soastostarttheirbusinessorbuyahouse. Wehavecometotheageofcredit.
今天，随着互联网的发展，许多传统的生活方式发生了改变，特别是购买方式。信用记录对每个人都有着非常重要的作用，他们需要良好的信贷来获得贷款，从而开始他们的生意或者买房子。我们已经到了信用时代。
Thereisaveryclassicexampleabouttheimportanceofcredit. AChinesemantookthetraininEurope. Hefoundnoonecheckedtheticket, sohejustskippedtheticket. Hethoughthehadsavedthelittlemoney, butwhenhecametothebankandwantedtogettheloan, hegotrejected, becausehisrecordofcreditshowedhehadskippedtheticket, whichmadehimtheunreliableman.
关于信用的重要性有一个很经典的例子。一名中国男子在欧洲乘坐火车时，发现没有人检查车票，所以他就逃票。他以为自己攒下了那一笔钱，但当他来到银行想要贷款时，却被拒绝了，因为他的信用记录显示他曾经逃票，这使他成了一个信用不好的人。
Therecordofcreditisthemainbasiswhenpeopleaskedforloan. Thebanksconsidertheaccountofmoneytheywouldborrowaccordingtothecredit, orthedepartmentswillcheckaperson’scredittoseeiftheywanttohirehim. Theageofcreditasksforustobehaveourselveswell, orwewilllivethetoughlife.