Juvenile delinquency is a serious social problem in this country.

少年犯罪上这个国家一个严重的社会问题。

Credit card delinquencies are rising, and household debt has swelled.

信用卡违约率正在上，家庭债务也在膨胀。

They are less likely to be involved in delinquency or crime. They are less likely to abuse alcohol.

他们更不大行为不良或犯罪，不大酗酒。

So they have to balance the risk of delinquencies with approving enough transactions to cover their costs.

因此，他们必须在违约风险与批准足够多的交易以支之间取得平衡。

Though delinquencies inched up in the fourth quarter, it also contained hope-in the form of a vaccine.

尽管违约率在第四季度小幅上，但也包含了希望——以疫苗的形式。

Another explanation could be based in youth's natural delinquency.

另一种解释于青少年的自然犯罪。

Some people associated it with gambling and crime and said it led to juvenile delinquency.

有些人将其与赌博和犯罪联系起来，并称其导致青少年犯罪。

You're already seeing lending going down and credit card delinquencies going up.

你已经看到贷款减少，信用卡逾期增多。

In America delinquency rates crept up in June for the first time since late 2021.

在美国，6 月份的拖欠率自 2021 年底以来首次攀。

It also says, as those debts become more expensive, delinquencies may be poised to increase.

文章还指出，随着这些债务的增加，拖欠债务的情况会趋于上。

As a result, credit card delinquency rates are higher across the board.

因此，信用卡逾期率全面上。

We see murders, delinquency happen on a daily basis.

我们目睹谋杀、犯罪每天都在发生。

So, delinquencies have risen, but not necessarily a systemic risk yet.

因此，虽然逾期还款现象有所增加，但尚不构系统性风险。

And so Jim, we've definitely seen some of that play out in the delinquency data.

因此，吉姆，我们在逾期数据中确实看到了这一现象的部分体现。

As far as regarding delinquencies, have you seen a lot of movement?

关于拖欠贷款的情况，你们是否观察到明显的变化？

Typically they have the next two, 15 and 16, they're juvenile delinquency.

通常情况下，他们会有接下来的两个特征，即15和16，表现为青少年犯罪。

The only outlets they find, all too often, are vandalism, delinquency, drugs, and recreational sex.

他们所找到的唯一出路，往往是破坏公物、逃学、毒品和娱乐性性行为。

America is finally waking up to the fact that comic books do not cause juvenile delinquency.

美国终于意识到漫画书不会导致青少年犯罪这一事实。

They studied boys who lived in an urban neighborhood known for its high rate of delinquency.

他们研究了生活在一座以高犯罪率着称的城市社区里的男孩。

Now it says delinquencies are up year over year.

现在显示逾期率同比上。