how likely or unlikely it is that people or businesses will pay back money they borrow 信贷质量（指借款人的还款能力）◆The bank has seen a decline in consumer credit quality. 银行出现了消费信贷质量下降的情况。
how likely or unlikely it is that a company issuing (= selling) a bond will be able to make regular payments of interest and repay the value of the bond 信用品质（对债券能否付息还本的评价）◆stocks with good credit quality 信用品质好的股票