穆迪所评估的消费者贷款包括个人贷款、汽车贷款和信用卡贷款。大多数个人贷款是未担保的、分期偿付的贷款。但用于为汽车购买融资的汽车贷款大多是有担保的。信用卡借款的特点是循环性、浮动利率和可变分期偿付。消费者贷款可能还包括对中小公司的融资租赁。租赁利率既可固定也可浮动,分期偿付模式固定,最后承租人按残值的期权价格买下设备。 Consumer loans assessed by Moody’s include personal loans, car loans and credit card loans. Most personal loans are unsecured loans on installments. But the car loans used to finance car purchases are mostly guaranteed. Credit card borrowings are characterized by cyclical, variable interest rates and variable installments. Consumer loans may also include financial leases to small and medium-sized companies. The leasing rate can be fixed or floating, the installment payment is fixed, and finally the tenant buys the equipment at the option value of the salvage value.