[, ]how likely it is that sb/sth will be able to pay their debts 信用风险（指借款人是否具备偿债能力）◆The interest rate charged reflects the credit risk of the borrower. 所收取的利率反映借款人的信用风险。
[] a particular person or company who is likely not to be able to pay their debts 信贷风险（指不太可能偿还债务的人或公司）◆The company is not a serious credit risk. 这家公司没有严重的信贷风险。