yín / háng / huì / gēn / jù / kè / hù / de / xìn / yòng / fēng / xiǎn / jué / dìng / dài / kuǎn / lì / lǜ

银行会根据客户的信用风险决定贷款利率。

The bank sets the loan interest rate according to the customer's credit risk.