分类：教育/科学-外语学习-英语考试
问题：求助翻译Ascreditfromtraditionalsourc 
As credit from traditional sources becomes more difficult to get, peer-to-peer or social lending （p2p借贷和社交借贷）between family members, friends, or strangers, helped along by online facilitators（sth that makes progress easier）—is trying to fill the gap. Virgin Money US ( ), for As credit from traditional sources becomes more difficult to get, peer-to-peer or social lending （p2p借贷和社交借贷）between family members, friends, or strangers, helped along by online facilitators（sth that makes progress easier）—is trying to fill the gap. Virgin Money US ( ), for example, formalizes loans between family members and friends. "Working with us forces the parties to decide whether this is a loan or a gift," says CEO Asheesh Advani. "We have found it reduces the default rate and the emotional fallout." In other words, it helps to head off tension around the holiday dinner table.请问这段话中的Working with us forces the parties to decide whether this is a loan or a gift," 如何翻译？We have found it reduces the default rate and the emotional fallout.如何翻译？最后一句如下翻译如何？换句话说，它（Virgin Money US ）有助于防止假日餐桌上的紧张气氛。
回答：Working wh us forces the parties to decide whether this is a loan or a gift," 如何翻译？ 翻译：通过我们公司中介，促使当事人双方决定是贷款（带利息）还是借款（无息）。We have found it reduces the default rate and the emotional fallout.翻译：我们发现这不仅降低了倒债率，还缓和了感情问题。default rate我网上查了一下，“倒债率”---贷款之后赖帐不还的人数占贷款人数的比率。 In other words, it helps to head off tension around the holiday dinner table.翻译，换句话说，它帮助消除了节日餐桌上的紧张气氛。我理解的意思是，以前亲戚朋友间借钱都是讲感情，讲面子，不好要别人利息也不好找别人还。在还钱之前大家节日聚会就难免会尴尬。现在有了中介，之前所有东西都谈好了，有保障了，就不用再惦记再尴尬。