pinheiro meaning in English

皮涅鲁
皮涅罗
皮涅伊罗

Pinheiro , a . c . , moura , a . segmentation and the use of information in brazilian credit markets . textos para discussao88 . in margaret miller ( ed . ) " credit reporting systems and the international economy " , mit press , 2002
说它们不是公共信用信息登记机构是因为它们不是靠法律法规的强制性要求成员输入信息,同时它们还是赢利性的组织;说它们不是征信局,是因为它们有一定的强制性,有相应的惩罚措施