经济学看生活·英语30篇（2）

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为何非正规部门劳动者长期面临信贷排斥

Over half the world’s workers earn income outside formal payroll or tax records.
Banks reject their loan applications because they lack verifiable income statements or collateral.
Microfinance institutions fill part of this gap but charge higher interest due to monitoring costs.
Digital platforms now use alternative data—utility payments or mobile top-ups—to assess creditworthiness.
Yet algorithmic scoring still struggles with seasonal or fragmented earnings patterns.
Credit exclusion traps informal workers in low-productivity activities without expansion capital.
Some governments mandate credit bureau reporting for non-traditional income sources.
Legal barriers—like lack of business registration—further limit access to formal finance.
This exclusion distorts labor market incentives and slows structural economic transformation.
Addressing it requires redefining 'creditworthy' beyond conventional financial footprints.

听 → 读 → 学表达 → 懂 → 今天会说这一句 → 跟读录音 → 自己说一句。

Addressing it requires redefining 'creditworthy' beyond conventional financial footprints. 解决该问题需突破传统财务足迹，重新定义‘有信用资质’的标准。
Some governments mandate credit bureau reporting for non-traditional income sources. 一些政府强制要求征信机构将非传统收入来源纳入报告范围。
Yet algorithmic scoring still struggles with seasonal or fragmented earnings patterns. 然而，算法评分仍难以应对季节性或零散的收入模式。

这篇中文题目最接近哪一句？为何非正规部门劳动者长期面临信贷排斥一次学校运动会的通知一份超市购物清单

课文第一句的意思更接近？全球超过半数的劳动者收入未纳入正规工资或税务记录。今天学校放假了。请把窗户打开。

这一课主要在讲什么？（看英文标题） Why Informal Sector Workers Face Persistent Credit Exclusion How to cook noodles A maths worksheet

Addressing it requires redefining 'creditworthy' beyond conventional financial footprints.

Addressing it requires redefining 'creditworthy' beyond conventional financial footprints.

第一版：录下来、回听、再听标准音。系统打分以后再加。

用今天的表达，自己说一句。

例子：Addressing it requires redefining 'creditworthy' beyond conventional financial footprints.