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    #1

    He's a bad credit risk

    Hi,

    What does the "s" mean? Has or Is?


    He's a bad credit risk.


    Thanks a lot

  1. Barb_D's Avatar
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    #2

    Re: He's a bad credit risk

    He is a bad credit risk. You are taking a risk if you extend credit to him.
    I'm not a teacher, but I write for a living. Please don't ask me about 2nd conditionals, but I'm a safe bet for what reads well in (American) English.

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    #3

    Re: He's a bad credit risk

    Quote Originally Posted by Barb_D View Post
    He is a bad credit risk. You are taking a risk if you extend credit to him.
    Could we just drop the adjective 'bad' and retain the same connotation?

  2. BobK's Avatar
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    #4

    Re: He's a bad credit risk

    You wouldn't be misunderstood, as the context (the word 'risk', if nothing else) makes the meaning clear; but the 'bad' is usual.

    It might be useful to compare these expressions:

    He's a bad credit risk. [=if you lend him money, you might lose it]
    He's a good credit risk. [=if you lend him money, you can be pretty sure of getting it back]

    On the other hand:

    Your Honour, the defence opposes bail, as the accused is a flight risk. [Note - not 'good' or 'bad' - he might run away.]

    b

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    #5

    Re: He's a bad credit risk

    So what does the "risk" mean here?

    Thanks a lot

  3. BobK's Avatar
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    #6

    Re: He's a bad credit risk

    Something might happen. (...)

    b

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    #7

    Re: He's a bad credit risk

    Every act of lending money carries some risk that the loan will not be repaid. Those with good credit histories are numerically a good risk, while those with no or poor history with repaying loans are a bad risk.

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