One explanation put forward is that when the size of a loan taken by other group members rises beyond what individuals perceive they themselves can afford or repay, they become hesitant to guarantee such loans.
提出的一个解释是，当团体其他成员借款的数额超出个人认为自己能够承担或偿付的数额时，他们就会对担保这种借款感到犹豫。