The authors provide some interesting evidence in this context. They show, for example, that the misrepresentation is correlated with higher defaults down the line: delinquent payments on misreported loans are more than 60% higher than on loans that are otherwise similar.
在这种情况下，该论文的作者们提供了一些有趣的证据。比如，他们表明出错的数据与高违约贷款密切相关：报告出错的贷款违约率比那些在其他方面相似的贷款要高出60%。因此，这些错误似乎并不是随机的，而是蓄意人为的。