But when the bank ran the numbers, they discovered that although about half of the people applying for low-end, high-interest-rate credit had a police record, this did not seem to reflect on payment outcomes. I suspect the reason was that the people with no police record were the middle 50%.
但在该银行处理数字时，他们发现，尽管大约一半申请低端高息信用者具有警方记录，但这似乎并不反映在偿还结果上。我怀疑原因在于没有警方记录者是居中的50%。最差的25%具有坏行为的警方记录。最好的25%具有卓越好行为的警方记录，比如拒绝贿赂、拒绝腐败等。