But in these days of fierce competition, they can't help but change their tune -- no matter whether or not there is collateral, the applicant need only have the ability to repay and a good credit history to be a good client.
但現在在競爭壓力下不得不改弦易轍﹘﹘不管有沒有擔保，只要客戶有還款能力和良好信用，就是好客戶。